BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Well, basically my mortgage company wa s Countrywide Financial &amp; because  they &amp; many others were deemed guilty of securities fraud by  XXXX   XXXX , I have also deemed the financial terrorists because of their criminal actions leading up to the   XXXX   mortgage crisis, I have pretty much lost everything. My home, my marriage, my career. I used to earn on average  XXXX  per year. However because of the criminal acts of securities fraud by Countrywide and other financials, rating agencies, etc., etc ... My career as a broker of Federal Funds between banks, was directly pretty much wiped out &amp; I do have proof of this. So, why is it that my life was destroyed &amp; the criminals are allowed to still send me a  XXXX  &amp; or try to collect on the debt they turned toxic &amp; used to destroy millions of lives, families &amp; careers for decades to come ... Why is this ... In addition to them trying to collect on this toxic debt via debt collectors ... How can a criminal be allowed to sell this debt to a collector ... This debt should be deemed uncollectable &amp; the criminal bank or lender should have no recourse in collecting this debt &amp; or writing it off, as why should I receive a  XXXX  &amp; also owe taxes on the very debt that was used to destroy my life &amp; career. That is adding insult to injury ... Forget about the Mortgage Debt Forgiveness Act, as that my not be available to me when the toxic dust settles for me ... What I need is a full financial pardon from all my toxic debt that was rendered a weapon of mass destruction by these financial terrorists. That means from also not having to pay taxes on this toxic debt that was used to destroy everything ... Why should I have to pay taxes on this debt, when this debt already destroyed my life &amp; career on the first pass ... Please let me know what you may be able to do for me.

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 2017-03-23
Company: Pendrick Capital Partners Holding, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my XXXX in XXXX 2012 and received the XXXX bill shortly after. I paid the bill. I never heard anything again until last week ( XXXX XXXX week ) when i received a letter from a collection agency. I work out of state and I can not pinpoint the exact date the letter came. I opened it XXXX XXXX and called them XXXX XXXX. They said I was invoiced 3 times and never paid according to their records. I know I paid the bill but to go back to research it the bank charges more that the bill was for the copy of the cancelled check. The bill is for XXXX. I know for a fact that it is paid and i think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: SYNCHRONY FINANCIAL
State: FL
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:
XX/XX/2022 SYNCB/Amazon -Not Authorized XX/XX/2022 XXXX XXXX XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX- Not Authorized XX/XX/2022 XXXX XXXX XXXX  -Not Authorized XX/XX/2022 XXXX XXXX XXXX - Not Authorized XX/XX/2022 XXXX XXXX XXXX Not Authorized

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 2016-09-27
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX XXXX TX. XXXX I opened a Target store card in 2015 at the register after first refusing but the cashier pushed and I finally caved and it has been the worst nightmare since. I have several credit accounts, standard accounts and store accounts. I pay on time with payments that cover all or on occasion most of the current balance. I made a one-time purchase at Target using their temporary card for a little over {$100.00} purchase of toys for my grandchildren. I never received the card or the bill and it being XXXX I did n't think about it. I did n't know my account number then or now. 
A few weeks later, I got a bill with a {$35.00} dollar late charge. I called and explained to a rep and it was removed ; however I did not receive a later bill. I called and asked for the balance stating I was tired of the extra charges and wanted to pay it off. I was given an amount of {$94.00} and I paid it with an online check. Apparently the routing number was n't correct and if so it had to be the clerk on their side because I know my number by heart without reading it off. I was n't notified and thought my next bill was a mistake since I knew I paid it off. I called and was told it was the wrong routing number so I gave it again. I still got bills and called again. This time I was told that I had n't made the full payment of {$100.00} and was billed late charges again on top of the difference. I explained that I asked for the total and paid what I was told. I offered to pay the difference and one late charge which I did, but would n't pay the extra late charges. To date I keep getting bills for late charges and I do n't feel I should. 
I called them numerous times during all of this and asked to speak to supervisors a few times. I informed them I was a teacher and could n't pick up until XXXX daily. I did n't know the number that would call and it never said Target, but in any case they were before XXXX when I ca n't answer. When I did n't get a call I went to Target to talk to them in person. It was then that I found there is no one physically in any store to handle credit problems. The person I finally talked to called on a Saturday and was not a supervisor as requested and was very rude. He is one I paid the difference to and one late charge. Needless to say this situation is still continuing and although the store admits that they made mistakes they are not willing to drop the late charges or comp. I closed the account I never received a card for and am hoping that it is noticed that I am not behind on any other bill and had excellent credit until this. I do n't think that the consumer should foot the bill for a company that uses these type of tactics. XXXX is a website I wish I had seen earlier showing how many people received the same type of treatment as I did. I am hoping you will attach this as an explanation for this black mark on my credit report. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: TENET HEALTHCARE CORPORATION
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First off, I was 100 % unaware of owing medical bills. Given that I have XXXX which pays all of my costs, I do n't understand how this is possible. The only reason I am even aware of being sent to collections is because it showed up on my credit report on XXXX XXXX which I monitor weekly. There was no written validation of debt, no phone calls, nothing. Just all of a sudden, I 'm sent into collections and it was reported to XXXX. The company is Syndicated Office Systems. Due to them not contacting me, I am can not be sure this is even a real company or if my debt is real.

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 2022-10-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account number with Chase Bank was XXXX. 

On XX/XX/2022 I deposited a bonus check from my employer in the amount of {$25000.00}. Check number XXXX. The check cleared my employers account the following day. 

Several days later, Chase Bank said they needed to speak with my employer to verify that they had written me the bonus check. I gave them the phone number ( XXXX ) XXXX of XXXX XXXX XXXX XXXX. The bank employee entered the phone number into his computer and said he couldn't use that number to verify the check because it was not a " landline '' phone number. I explained that that was the ONLY phone number used by the company. 

XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, Florida XXXX. It is about 40 stories and the ENTIRE building does not use " landline '' phone numbers. The ENTIRE building is set up with VoIP as are most modern office buildings. 

I called Chase Bank several more times to explain this situation to them. All fell on deaf ears. They could care less. The bottom line was, if I could not provide them with a landline telephone number to call and speak with my boss then they were keeping my {$25000.00} and not releasing it to me. 

I explained all of this to my boss. He called Chase Bank and was told the same thing and that he could have his bank place a stop payment on the check to get his money bank. He called his bank where the check was drawn on and they told him that they could NOT place a stop payment on the check because it had already CLEARED their bank. 

I called Chase Bank again explaining all that to them. They told me my account was being closed and that the only way I could get my balance in the account was to provide a landline phone number which does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: FL
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 theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XX/XX/XXXX INQUIRIES XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Above information is being reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was acquired by Green Tree from XXXX, XXXX. I have made my payments during my 20 year, fixed-rate mortgage. Now that my mortgage is paid in full, after paying my regular monthly payments as provided for in my statements, Green Tree has sent me a statement indicating there is an additional {$11000.00} due. I believe their records are incorrect and dispute this amount. 

I have tried to get information from my account representative multiple times during the XXXX week of XXXX. However, she has not given me the information I have requested. I even faxed copies of my records to her, and she has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have disputed several transactions on my card- some were credited others have not been credited. I last reported a charge for XXXX over the phone, I never received a letter stating that it was being investigated and Wells Fargo won't allow me to check older transactions that may still be fraud. I have paid my account in full to avoid the interest charges for charges that are not mine. I have never allowed my account to be delinquent, but Wells Fargo has not done their absolute best to protect me and I'm not sure how many other fraudulent charges I've paid by mistake.

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 2022-03-27
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Convergent has re-aged an account that was held in collections with XXXX by having it listed as being originally opened in XXXX XXXX instead of XXXX XXXX. This was intentionally done to negatively impact my credit and according to the FCRA is illegal. I have submitted both credit reports as proof.

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 2020-03-18
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
comenity bank. I have an account through XXXX XXXX   and I was told my minimum payments would be XXXX dollars per month now I got a statement for XXXX and my new minimum payments are XXXX I called Comenity bank on XX/XX/XXXX to rectify the situation and I was told that that is what my new payments would be but I havent received anything in writing about this increase. I was also told that XXXX dollars of the XXXX would be for interest and only XXXX would go to my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: CA
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Navient Solutions, LLC.
State: PR
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender Salie Mae to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX XXXX, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX XXXX due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness doctrine practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX XXXX, XXXX - I proactively reached out to MSB ( Municiple Sevices Bureau ). I was given their information from the XXXX XXXX XXXX XXXX through which I had an outstanding fine. After calling MSB, I spoke to someone name " XXXX '' and explained my intention of paying my fine. After looking into her system and asking questions for personal information, she claimed she found my account. She then gave me a total amount of {$630.00}. I initially was taken aback because my fine balance was {$500.00}. I asked why the difference and she proceeded to give me confusing and contradicting information. She stated that they ( MSB ) received my debt back in XXXX and that the courts could have added additional fees. She later clarified that they received it on XXXX XXXX, XXXX. My confusion is because that 's when I was arrested and court fines and fees were later decided in the later part of XXXX. She also gave a date of XXXX XXXX, XXXX - which would make more sense. This led to additional questions from myself trying to understand what she was telling me. She asked if I wanted to dispute the amount and based on what she was telling me. I answered yes. This is when her tone changed and she became argumentative and abusive. She threatened to terminate the call because as she said " She do n't have time for this!! '' - this was said multiple times as she spoke over me. When I asked for her to not terminate the call and that I have additional questions - she continued with the statement of not having time for that. She then said that she gave me the phone # to dispute the claim and was n't going to answer any additional question. She was willing to let me talk to her supervisor and put me on hold - and of course I sat on hold waiting for an additional 45 minutes at which point, I decided to hang up. I feel that this agent had no right to use the disrespectful tone and threats that she used. I had every right to question the misinformation she gave me and I did it in a polite and professional manner. I 'm requesting a formal apology from this specific agent ( preferably via phone call ) and I also would like a copy of the voice recording of our conversation. I 've reached out to XXXX XXXX XXXX XXXX to request that they reclaim my fine and I will pay it directly to the court. I absolutely will not pay this fine through MSB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Your school falsely certified your elgibility to recieve the loan based on your ability to benifit from its training, and you did not meet the ability to benefit student eligibility requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates ( PRA ) operates illegally. Portfolio Recovery Associates , LLC Representing, XXXX XXXX XXXX. This company continues to harass me for an un-collectable debt. Portfolio Recovery Associates ( PRA ) may also sometimes make harassing calls. Harassment and abusive calls are prohibited by debt collection companies. Calling at " unreasonable times '' such as before XXXX or after XXXX. They use profane or obscene language during calls. I have numerous witnesses that have heard the conversations on speaker phone. This is illegal according to and under the Fair Debt Collection Practices Act ( FDCPA ), debt collection companies such as Portfolio Recovery Associates can not do the following mentioned above while trying to collect a debt. 
PRA is in violation of the Telephone Consumer Protection Act ( " TCPA '' ), using an automatic telephone dialing system ( " Autodialer '' ), for allegedly calling me on my cellphone without their prior consent. 
Portfolio Recovery Associates claims they have purchased the XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX credit card account ending in XXXX from XXXX ( " XXXX XXXX '' ) on or about XXXX XXXX, 2012. I have court records of an order to " dismiss with prejudice '' on this exact account ending XXXX and same amount from another debt collector. This order is valid and I will use it in the court of law against PRA if they continue to report to the XXXX credit bureaus that the account is open and they own the account. 
They have illegally purchased an old debt from original creditors who has already written off the debt and received a tax deduction for it. I have proved in court that this debt was not mine and it was dismissed with prejudice. 
According to my most recent credit report, Portfolio Recovery Associates is currently reporting to the XXXX credit bureaus. PRA needs to remove the inquiry from the XXXX main credit bureaus, XXXX, XXXX and XXXX. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. PRA needs to remove themselves from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
we randomly received a bill from XXXX for duties and taxes or something like that. we never ordered anything and we are very confused. XXXX then sent it to debt collectors and now we are being harassed for debt that is not ours

Company response to consumer: Closed with explanation