BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: Credit Card Receivables Fund Incorporated
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This is debt that I have never owned. I was and have been a person with identity theft. This debt collector has placed a public record on my credit report and has placed a lein on my property located at XXXX XXXX XXXX XXXX. Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$4000.00} Classification -- Type legalitems

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My  Dr. Office   XXXX   XXXX   XXXX , sent a bill in  XXXX  to my old address. I never received the bill.  Credit Collections USA  then tried collecting this debt from me. I immediately contacted my  Dr. Office and  paid my bill. My  Dr. Office  said they would contact  Credit Collections USA to have them remove the deb t from my credit bureaus.  Credit Collections USA is n ow refusing to remove it because they are saying I did not pay them directly. I have attached proof that   XXXX   as forced them off my credit report but now they are reporting to  XXXX . This debt has a {$0.00} balance and is no longer mine. I have also attached the receipt/letter from my  Dr. Office proving my debt is  paid.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-24
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband got a VA loan with GMFS Lending. My husband is self employed and had a big decline in his income. We contacted GMFS immediately and they sent us a packet to be completed and sent back with documents that they requested. We did exactly what we were told. Within 30 days we received a letter stating that we were missing documents that we had proof was faxed. So we resend the missing documents and called to see if they have received them. We were told that it takes 2 days for the information to be uploaded into the system. When we would call back in 2 days were told that all documents were received and was headed to the underwriter putting foreclosure on hold. Later we received a letter denial stating that my husband did not have enough money to afford the home. Evidently we did not fill out the packet correctly so we had to start the process all over again. We have been play this game since XX/XX/XXXX and finally we were served foreclosure papers and a sale date of XX/XX/XXXX We were shocked because we were under the impression that our paper work was under review. On XX/XX/XXXX I called GMFS and spoke to XXXX ID # XXXX to inquire about what was going on. At that time XXXX informed us that he did not see a sale date or any papers for foreclosure. but he will send an email to loss mitigation inquiring about our modification. When we did not hear anything from GMFS we called again. Again we were told that they did not see a sale date. I explained to them that I was holding the papers in my hands, we were served. We were told to disregard that because their computer does not show that any papers were served or a sale date. We have been calling GMFS every 2 days or so to check the status and was told that our paperwork was received but they did not know why it has not been sent to the underwriter. We were told to call back in 2 days. We called back and was told the same thing and that they were going to escalate to management. We called back in 2 more days and was told the same thing. Today is XX/XX/XXXX my husband called GMFS and was told that the paper work was not sent to the underwriter and did not know why but they were going to escalate it to another manager to call back in 2 days. We have been playing this game too long. We are not looking to live here for free we want this resolved so we can sleep at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: National Credit Adjusters, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
calling continually at place of employment threatening action against me if I do not pay. They have been told not to contact me at place of employment and have said they had been provided permission to do so which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts remain un-verified and or innacurate ....

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 2017-05-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX   XXXX   XXXX    sold my account to  Midland Funding. Midland funding is still reporting my  information as a collection account this account was paid and it should show  XXXX  balance and removed from the  CURRENT COLLECTION Spot. It should be closed n ot current!!! This account was updated on my report 2 days ago, and dropped my score  XXXX  points because of the negative remarks. I have tried to dispute this matter a thousand times.  XXXX   XXXX  is still reporting on my account. This account is paid!!!! again dropping my score another  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have recently gone through a XXXX XXXX that was and still is a XXXX problem. I have limited health insurance. I have recently discovered that a local law firm that operates as a debt collector has posted multiple collections against me with every pertinent credit reporting agency. 
In 2015 a new directive was administered by the Consumer Financial Protection Bureau relating to the placement of medical collections. I have submitted a copy of this mandate where all XXXX credit bureaus have agreed to abide by the directive. At no time was I ever given notice by either the medical providers or by the collection agency/law firm that I would be posted with negative collections on credit. The directive calls for the following : A XXXX notice statement to pay the invoice directly or have medical insurance make the necessary arrangements for payment. 

A notice if such an invoice is not resolved that a negative posting on credit can happen after 180 days from notice. 

This is a federal mandate whereas I believe the firm of Overton Russell will want to avoid sanctions by this very powerful federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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: Credit inquiries on your report that you don't recognize

Complaint:
After sending Certified Mail, Return Receipt Requested complaints to XXXX XXXX and the Small Business Administration that there were unauthorized credit inquiries made by their organizations on my TransUnion, XXXX, and XXXX  credit files, I received form letter responses and no action was taken. 

I then contacted TransUnion, XXXX, and XXXX  regarding unauthorized Credit Inquiries made by XXXX XXXX and the Small Business Association, and requested these unauthorized inquiries be removed. Again, I received form letter responses with no action taken or no response at all. 

I informed all the above parties that I wanted to see my written authorization granting them the right to make a credit inquiries, and no corrective action was taken.

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 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Consumer Finacial Proteccion Bureau XXXX XX/XX/XXXX Reference : Case No XXXX The day XX/XX/XXXX I received the documentation from Bank of America regarding my case No XXXX concerning the bank fraud and identity theft over my Money Market No XXXX XXXX XXXX where the sum of XXXX XXXX was reimbursed to me. The additional sum of XXXX {$11.00} was not credited to the account and in consequence was not reimbursed to me. 
After checking the information given by the bank I discover certain aspects that were not taking into consideration : The claim of XX/XX/XXXX was over the total of transactions that took place in XXXX and not since XX/XX/XXXX as the bank affirms. The identity theft took place on XXXX. The bank is not taking into account the withdrawals for that period that are XXXX {$1800.00}. 
There is no explanation of why the bank did not credit the withdrawals of the following periods if they correspond at the same bank fraud and identity theft : XX/XX/XXXX to XXXX XXXX {$38000.00} XX/XX/XXXX to XX/XX/XXXX {$20000.00} XX/XX/XXXX to XX/XX/XXXX {$6.00} XX/XX/XXXX to XX/XX/XXXX {$920.00} XX/XX/XXXX to XX/XX/XXXX. {$2.00} Regarding this situation, I ask your intervention on my claim that was caused by Bank of America. The Bank issued debit cards to people that stole my identity and send those cards to addresses that were not registered by me. I had this account for over 30 years with the same address and never has asked for a debit card under my name of other names. 
XXXX XXXX XXXX. 

Attached is a copy of the detailed debits that have not being credit by Bank of America.

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 monetary relief
Consumer complaint received 2016-08-18
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We deposited a check into our business account. The check was rejected due to an internal issue with the issuing bank. That issue was explained to the receiving bank, Suntrust Bank. The funds were also released by the issuing bank to the receiving bank, Suntrust Bank. They refuse to release the funds and no one seems to know why. The rep that closed the deal the funds came from was not paid and has been evicted from her apartment. Suntrust bank continues to give us the run around and we 've done everything to verify the validity of the transaction. The issuing bank has also verified the validity of the transaction, yet our funds are still being held by Suntrust Bank.

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 2017-02-26
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX separate occasions with fedloan I was granted a retro forebearance however they have continued to report late payments to all XXXX credit companies which is destroying my credit and making it impossible for me to gain access to lines of credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XXXX / XXXX /  XXXX   I deposited a {$250.00} typed bank check from  XXXX   XXXX    XXXX   into my Bank of America checking account. The funds were immediately electronically withdrawn from  XXXX   XXXX  & deposited into my account. On  XXXX / XXXX /  XXXX  ,  four  days after the transaction was completed, Bank of America seized the {$250.00} from my account. As reviewing my account transactions on  XXXX / XXXX /  XXXX  , I observed that  BOA  had seized my deposit. I immediately began calling BOA customer service centers to resolve the problem. I was told on  3  separate calls to  BOA  customer service centers that the money was seized because the original check could not be verified. BOA claims the bank check could not be read well enough to be verified, yet their online banking center provides me a crystal clear image of the check in question. BOA read the check well enough to withdraw the funds from the correct  XXXX   XXXX  account, yet could n't read it well enough to keep the funds where deposited? I contacted the   XXXX   XXXX    XXXX   customer to discuss the issue & see if their funds were returned. The   XXXX   XXXX   XXXX    customer immediately began investigating the fund withdrawal through a  XXXX   XXXX  telephone representative. The investigation with  XXXX   XXXX  found that t BOA  did not try to return the seized funds to the   XXXX   XXXX   XXXX   or the  XXXX   XXXX  customer. BOA did not make any effort to notify me that they were actively withdrawing money from my account for any reason. My calls to  BOA  resulted in rhetorical circle explanations stating there was nothing I could do whatsoever to resolve the problem. In the manner in wh ich BOA  dismissed this issue, offering no resolve or assistance ; I do not believe this is an isolated incident. I firmly believe that BOA is performing these types of scenarios to people ( especially since the amounts are low enough to not afford a lawyer to take to court ). I truly believe  BOA  is running a scam, in small amounts to avoid massive public push back. They target random people, hoping to prey upon the elderly or individuals who speak  XXXX  as a second language who do n't know how to push back against an enormous corporation. The fact that the seized funds of {$250.00} makes me all the more suspect. Who, in their right mind, would hire an expensive lawyer to fight for {$250.00}? No one. Which means,  BOA  can conveniently make these types of monetary  seizures to  millions of bank customers and probably get away with it. This is an enormous illegal money making scheme that someone needs to investigate. I bet this scheme is netting millions from innocent customers.

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 2017-04-03
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Much like XXXX, it appears as if FedLoan Servicing systematically cheats student debtors by taking shortcuts to minimize its own costs. Upon information and belief, FedLoan Servicing unlawfully steers struggling borrowers facing long-term hardship into payment plans that temporarily postpone bills rather than helping them enroll in plans that cap payments relative to their earnings. The latter option promises debtors the possibility of debt forgiveness after years of steady payment. The former raises the possibility of a financial time-bomb.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 I noticed on my capital one auto finance app that {$4800.00} was paid towards the loan But my loan amount on my car never went down. It just stayed at {$18000.00} which now even when I paid another {$870.00} towards the loan because I fell behind which that never was put into the total amount towards my loan either. Paid that in increments on XXXX, XXXX, and XX/XX/2019. When I looked online it said all my payments went towards the interest and principal which I never signed for. I went through my contract it doesnt state that I have to pay the principal and interest off first and then the rest of the loan. Even after I paid to get caught up they turned around and said Im still 130 days late how does that work?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Metropolitan Home Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX NMLS # XXXX charged our credit card {$450.00} without our knowledge or authorization. The re-finance was never completed, we were denied, and now just lost the {$450.00} they charged us plus loss of time and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following agency is not bonded in the state of Texas and can not legally collect debt.   Account Resolution Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , FL  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 explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity and this credit reporting agency hasn't removed the fraudulent items from my credit profile. They are violating FCRA 605B which states these accounts must be removed within four business days. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX I contacted the XXXX XXXX XXXX  and filed complaint # XXXX, I filed a complaint with the Georgia Attorney General office and XXXX XXXX has removed it from my consumer report I also sent a notarized copy of these things to them via certified mail. 

Please remove these items as soon as possible : XXXX XXXX  BANKRUPTCY Reference Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXXXXXX XXXX XXXX, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

FYI This is me disputing this information NOT a third-party agency. Please find my driver 's license attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on an IDR which did not require me to make payments, however I continued to make payments towards the  XXXX  stafford loans to lower the balance. As I am reapplying for the IDR, it has come to my attention that even though my checks which notate the accounts for which it is to be applied, half of my payments were applied to Loans I did not authorize to be applied.     For over 1 year I sent checks, through my bank, which notated each of the  XXXX  accounts. Navient states they are unable to help as the money has been processed and thus, unable to reverse. Over {$600.00} in payments have been mis-applied, which is horrific considering the difficulties to make the payments. I requested payments to be made on  XXXX  and  XXXX  loans, but were applied to  Student Signature Loans   XXXX ,  XXXX ,  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had impeccable payment history for the fir st 2 years of the Lease.   I bought a home and moved  and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.

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 2017-05-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom i t may concer ns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Experian because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (   XXXX   XXXX   NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  RENTAL HISTORY REPORTS ON SITE MANAGER  XXXX   XXXX   XXXX   XXXX   XXXX  Thank you

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