BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I purchased a myfico XXXX report and on it I discovered that Target Credit Card has been placing negative information on my report. I no longer have a Target Credit Card and they have reported negative information to XXXX 25 times since XX/XX/XXXX, and XXXX has reported negative information 16 times since XXXX. I have called the credit agencies who told me to call Target as they could not help me, called Target and was told to call the credit reporting agencies as they could not help me. I want this false information to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Prince Parker & Associates
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX has provided more than XXXX phones free over 12 years as a customer. I negotiated XXXX phones at XXXX for free and as a gesture agreed to add a XXXX line which was not needed. XXXX XXXX XXXX pushed a Free Tablet which I agreed to as well. When XXXX XXXX came with Tablet [ both free ] XXXX XXXX XXXX made error and sent XXXX of each. Being honest I sent both back and said never mind I do n't need tablet or XXXX line because they were reneging on free phones. Then they said we 'll give the free phones and issued credits to get me to stay. Long story short, CS Reps verified I was promised XXXX free phones but when {$40.00} of charges for the XXXX line and tablet went on my bill and XXXX XXXX XXXX would not credit me, I said I would take them to Small Claims Court and get triple damages. It was illegal since I never accepted the products. After that someone from executive offices said I was never going to be credited for the charges ... I had already been given enough credits. But they were all deserved for other reasons! It was CRAZY! Anyway, the only way to teach them a lesson was to discontinue the XXXX XXXX XXXX service and so they placed XXXX of the phones costs on my bill and I was forced to pay it or I would not have been able to leave with my special phone numbers. So I did pay and then disputed the charge with my bank, because of how they took my credit card. The XXXX banks agreed that I had been defrauded and charged XXXX XXXX XXXX back. Now they are using an un-reputable firm calling with harassing calls to collect for a phone that is not owed monies for. I have contemporaneous and copious notes backing up what I claim and multiple XXXX people on chat logs telling me I was getting XXXX free phones. I hope you will be able to stop this madness in light of XXXX XXXX XXXX trying to get bigger by acquiring XXXX XXXX which should never be allowed. They want {$760.00} from me to help defray the cost of the {$85.00} XXXX! Thank you ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Target Red credit card charged me return fee ( {$27.00} ) for payment return as the checking a/c was closed. I contacted them and explained that it was not the case that I do not have funds but the a/c was closed. They said that they will not reverse. From the website, I found following- '' RETURNED PAYMENT FEE -- You will pay {$27.00} each time any check or other payment order ( including an electronic payment ) is not honored by a depository institution. In any event, the Returned Payment Fee will not be greater than the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us. '' It was a return not related to funds but a/c closure so these charges should have not been levied but a chance or atleast notification should have been sent to customer. Since I check my XXXX account every day so I notice that payment has been rejected by bank so I made the manual payment on my own without notification by target XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been receiving collection letters since mid XXXX XXXX from National Credit Audit Corporation XXXX XXXX XXXX XXXX TX XXXX XXXX Permit # XXXX about a debt that is too old. This debt was incurred in XXXX XXXX in XXXX, Florida ( original creditor XXXX XXXX XXXX XXXX ). I have sent a certified letter explaining that I am protected by Florida statutes since they failed to contact me within XXXX years of the XXXX payment XXXX XXXX XXXX XXXX. I am currently receiving the debt collection letters and phone calls. I have disputed the account to XXXX but the account is open with status details that the account is scheduled to continue on record until XXXX XXXX. The same account was reported to XXXX or XXXX under XXXX for the same amount. Please advise the steps I need to take to protect myself so they do not try to collect a debt in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is harrassing me over a debt that belongs to my deceased Uncle. They call me at work even though I explicity told them multiple times to not call me at work. I also asked for them to stop calling my cell ( XXXX ) these people have not sent anything to me regarding debt and are harrassing me on a daily basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Regional Management Corporation
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I bought a vehicle in XXXX and have been paying on it since XXXX XXXX. The finance company has charged me a one year forced insurance policy TWICE, and refuses to send me any thing in writing telling me what I am paying, such as totals, premiums, cost. They have raised my car payment from the original amount of $ XXXX month to $ XXXX month. I was paying {$670.00} since XXXX XXXX for supposed forced insurance. I was never given anything in writing and have no idea what the total amount I am supposed to be is, or what it is for exactly. When I asked them for proof of the insurance they are forcing me to pay, they said do n't have to give it to me because it is just to insure the vehicle. I have spoken to a home office person, a branch person and neither will send me a statement of pay off, or anything breaking down how much I owe. They will only give me a total payoff of the vehicle over the phone. The vehicle has now been repossessed because I refused to pay the higher payment. I even offered to pay XXXX of the original payments and they refused saying that payment " is gone now ''. The pay off amount they do tell me is several thousands of dollars higher than what my original contract amount was. ( 2.5 years ago )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
The credit cards are not processing the charges in a timely manner. It is impossible in a volatile currency situation to obtain the exchange rate on the day the item purchased is actually charged. Credit card companies may be holding charges to obtain the best possible currency exchange rate especially in volatile markets. The rates charged should be on the date the item is purchased and not the day the item is processed to avoid currency game playing. 

All credit card companies should be required to post the exchange rates they are using so consumers can determine which card to use. Currency conversions should be transparent. Credit card companies are claiming they are not assessing foreign transaction fees but they may be building in the fee into the exchange rate. Transparency will provide a clear indication of what rate is being used so consumers can determine which card to use. 

See : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: JPMORGAN CHASE & CO.
State: ND
Product: Credit card
Issue: Billing statement

Complaint:
see attachment This is a complaint for assistance. Slate Chase improper posting payments. lnstructions were provided to post the XXXX for the XXXX due date. Now there appears on the statement a minimum payment due of XXXX which is incorrect ' Slate Chase have failed to response to email request and original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Equitable Acceptance Corp
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Hello my name is XXXX XXXX, I can be reached at XXXX. I would like to file a complaint with this agency regarding my experience with the XXXX XXXX program. I was told my student loans will be paid off in full and was charged a fee of {$1300.00} to their third party vender Equitable Acceptance. After contacting and speaking with representative from Ombudsman group through the FAFSA program I was informed that my loans were in fact not paid off and my loans were only consolidated and the services can be completed for no charge, has they believed I was scammed by the XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Genesis Lending
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I paid off my Genesis loan I obtained through the XXXX schools then they were sued. I would like a refund for the fact that my attendance dates fall within the dates the schools were sued.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from Weltman , Weinberg & Reis taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with WW & R they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I opened a sole proprietorship, XXXX XXXX XXXX XXXX, in XXXX. In XXXX, I formed a corporation, XXXX XXXX XXXX XXXX, and my sole proprietorship expired and so I closed my XXXX checking account at Union Bank and got a new one under the corporation name. 
About XXXX, I had some late payment to XXXX XXXX and XXXX company, our local utility, so they wanted me to get a CD so I could guarantee payment, which I did thru Union Bank. 
The years passed by and on XXXX XXXX, XXXX, I retired, closed my business and filed for dissolution of my corporation. By this time I had closed my checking account at Union Bank and had switched to a different bank. I kept that new bank account open to conclude any final business transactions and deposit the check for the {$820.00} CD from Union Bank. 
But when I went to Union Bank to collect my money I was told I would have to open a new checking account under the name XXXX XXXX XXXX XXXX because the CD was in that name. They did not seem to understand that that name had not been used in 20 years but they were not going to do anything unless I did what they said. I was gong to do it until, luckily, I decided to first call my local District Attorney 's consumer fraud office and they directed me to call the CFPB. Hopefully, you will able to help me. 
I have attached two documents, first, a letter from the utility, XXXX, dated XXXX XXXX, XXXX, stating that the CD # XXXX was cancelled XXXX XXXX, XXXX and second, a letter from Union Bank, updating the current status of my CD. I believe all the account numbers, addresses and contact information is on the two documents. 
Please call or email me for any additional information or clarification you may need. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, I notified you of my mortgage company, Caliber Home Loans, for not not crediting my account properly throughout my bankruptcy. Thanks to your company, Caliber credited over XXXX to my mortgage account. Thank you! 
This request is to follow on the other complaints, which was the fact that they continuously reported me late to all XXXX credit bureaus for over 1 year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber Home Loans has not specifically responded to 24 C.F.R. 1024.35 subsections ( XXXX ) Any other error relating to the servicing of a borrower 's mortgage loan and ( XXXX ) Response to notice of error and the ( XXXX ) Investigation and response requirements. 
The Assignment of Mortgage filed in the Office of the City Register of the City of XXXX on XXXX XXXX, XXXX, is without legal authority. 
On XXXX XXXX, XXXX XXXX was [ XXXX ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) whom can be reached for this verification at ( XXXX ) XXXX ( Monday through Friday, XXXX to XXXX ). 
XXXX and XXXX XXXX Mortgage, LTD did [ XXXX ] ot exist on XXXX XXXX, XXXX and XXXX XXXX was [ XXXX ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc ( MERS ) on that date. MERS is a XXXX with no employees. 
XXXX XXXX was also showing to be an employee ( Assistant Vice President ) of XXXX XXXX XXXX on the same exact date of XXXX XXXX, XXXX. 
XXXX Mortgage, XXXX publicly went out of business as per its Chapter XXXX liquidation filing under its bankruptcy. XXXX, XXXX also went out of business in the year XXXX. 
Additionally, XXXX XXXX also signed Assignment of Mortgages as an ( Assistant Secretary ) for XXXX XXXX XXXX XXXX Mortgage Corporation on XXXX XXXX, XXXX despite the fact XXXX XXXX XXXX XXXX publicly went out of business in the year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instructions. 

XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  XXXX Acct XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount Balance : {$7500.00} Assigned to National Credit Systems , Inc . 

After moving out of the XXXX XXXX  XXXX XXXX XXXX  I provided a forwarding address for any amounts that may due or other correspondences. I contacted the complex within XXXX days after moving since I never received a final bill that I was told would be mailed to my forwarding address, they would only verbally give a bill amount which was outrageous. I requested and I never received the mailed breakdown of why the charges were so high and what they were for. Waited about another month for a bill after again providing my address and received nothing. Called again for a copy of charges and was told to contact the agency it was assigned to, called the agency and was told to call the complex. Emailed the corporate office XXXX XXXX link via the company website requesting a copy of the charges to find out why they were so high and received no response. Charges then appeared on credit as a collection. I have disputed several times and have asked numerous times for proof of charges along with any pictures to show where and why they were so high. The last dispute was sent on XX/XX/XXXX and I have yet to receive a reply although it remains on my credit. All disputes end with a debt being validated with the collection agency showing proof they were assigned a debt although after numerous attempts I still have no idea what all the charges are for and have never been able to receive a copy of charges and only a never ending circle from the complex, to corporate, to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account not reporting correctly. Account is reporting past the terms allow. Account is updated with new information & dates to justify longer terms. Reporting inaccuracies and not making correction instead it states verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 


DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've disputed several inaccuracies on my credit report due to identity theft and they were not investigated properly. I 've given copies of my police reports in the past and I am not sure they are seeing or using them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief