BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Investigation took more than 30 days

Complaint:
I have been disputing this account since XX/XX/2021 and each time this credit bureau has said this account is 'verified '. I then disputed directly with the company and they were not able to provide me with any documentation for the account listed on my credit reports. If they can not verify this account with me, there is no way they could have verified this with the credit bureau. I'm convinced no true investigation occurred and demand a deletion ASAP. 

Please DO NOT mark this complaint as a dispute. IT'S NOT. It is a complaint with a demand for deletion based on an account not being able to be verified as 100 % accurate, complete, and timely.

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 2021-06-20
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Jefferson Capital Systems refuses to investigate my dispute. I have opened 3 separate disputes and the company has not provided any proof that the debt was incurred by me. They continue to send collection letters by mail. There website gives no option for dispute and my call was disconnected when to attempted to call. They continue to ignore the dispute process and attempt to collect on an account that was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After a hospital stay on XXXX my hospital bill was sent to my insurance and the remaining copay was sent to my address by XXXX XXXX, upon receiving this bill I payed my copay. On XX/XX/XXXX I received a call from a debt collector ( CMRE ) stating that I did not pay a medical bill from XXXX XXXX. After contacting XXXX blue cross they stated that XXXX failed to properly bill my health insurance and also failed to correctly write down my address so I did not receive any bills in the mail or correspondence regarding this bill. 

I have contacted XXXX XXXX and asked for the bill and they refused to email me the bill and refused to help me in any way. They stated I must deal with the debt collector. I contacted the debt collector and they refused to acknowledge that I have full medical insurance through my employer. My health insurance has paid this medical and I am still receiving calls from the debt collection agency and this will adversely affect my credit and my ability to obtain a XXXX I am currently in the process of obtaining. 

I would like XXXX to immediately contact CMRE the debt collection agency to desist and remove any and all debt collections that may appear on my credit in regards to this medical bill. My Insurance has paid this claim and I should not be getting harassed by a debt collection agency because of mistakes made by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter got this account in my name and i only found out about it this year after being denied for senior housing that it went to collections in 2007. I disputed it with XXXX after viewing my credit report and they closed the case and it stated it would be removed in XXXX. My daughter called and told them it was hers and they refuse to remove it and it has been over 7 years. I am XXXX years old and do not feel i should be held accountable for this debt and i was told it should have been removed after 7 years. I am currently disputed it with XXXX after being denied again for housing and it has not been removed like it stated on my credit report. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
this was resolved with the hospital on XXXX/XXXX/XXXX. they retracted their letter to the collection agency and as of XXXX/XXXX/XXXX the collection agency contacted the credit bureau without approval from the hospital. the hospital said the collection agency had to wait 60 days & send notification to me before contacting the credit bureau. My XXXX score took a nose dive due to the aggressiveness of optimum outcomes inc out of XXXX il

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: JPMORGAN CHASE & CO.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Open an account on the Chase Bank at XXXX RI XXXX XXXX branch. Deposit XXXX, receive my ATM card 7 days after opening but when I tried to use it on ATM stations it gives me a Restricted funds message. I received a SS number verification form that was submitted through a Bank official on XXXX XXXX of XXXX however the funds have not been unrestricted. I don't have access to buy, retire money from my account in an ATM machine or make withdrawals in the Bank branch. I have not been able to solve this situation either by phone or in person at the bank. It has been 12 days now since I made my deposit and funds are still not available

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: DC
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: Investigation took more than 30 days

Complaint:
XX/XX/2021, i sent my first dispute to Equifax asking them to furnish all information that could tie me to the debt they claimed I was liable for. They failed to do so and closed my dispute stating the information was " VERIFIED '' but failed to state how or show me any original documentation. On XX/XX/XXXX i sent my second dispute to Equifax again asking them to furnish all documentation such as original contracts, signatures or an agreement I agreed to involve this debt as well as to complete an independent investigation and not a computer response. According to the USPS, they received the letter on XX/XX/XXXX but It been over 30 days and I have not received any documentation or status regarding my second dispute. I checked my credit report to see if there was a credit dispute update on my file and there was none which leaves me to believe they did not even do an investigation this time. Lastly, on XX/XX/2021 I sent a 30-day nonresponse letter to Equifax with a copy of the letter I sent them on XX/XX/XXXX showing proof of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I filed a dispute with credit reporting companies and have been well over 30 days since i heard anything and receieved any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Bendett & McHugh, P.C.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
We have notify XXXX XXXX in behalf of XXXX XXXX XXXX President and Managing Partner of this Fraudulent claim in the public newspaper. We spoke on XX/XX/21 and I inform her of their liability and the damage that they have directly caused with this Fraudulent claim of an debt being owe. This firm is Malicious engaged in Unauthorized practices of law which has cause myself and kinfolk unmeasureable distress which The CFPB has prima facie evidence of. XXXX XXXX XXXX President and Managing Partner is a foreign agent who has no authority over An Free America we have no contract with this criminal organization or his associates. Criminal charges will follow this claim for damages since these individuals are Knowingly and willingly committed Felony crimes against our unalienable rights of freedom and liberties. These individuals must cease and desist all nonconsensual communication regarding our privacy property and information. XXXX XXXX XXXX is engaged in treasonous behavior towards An American national which We the people are the true creditors of this state and this Fraudulent claim of an debt owe is Absurd. This property is clear from any cloud on said title. We have provided the discharge information and estate information in good faith to these tresspasser of law. 

LAWFUL NOTICE : DISCHARGE OF ALLEGED MORTGAGE BK : 60920 PG 369 LAWFUL NOTICE OF PURE TRUST CERTIFICATE : BK 65256 PG 108 NOTICE OF LIABILITY FOR ALL PARTIES INVOLVED DIRECTLY OR INDIRECTLY. ANY TRESPASS UPON XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX COUNTY, ALL TRESPPASER WILL BE ARRESTED AND CHARGE CRIMINAL. THIS ATTEMPTED OF UNLAWFUL CONVERSION IS TREASON AND MUST CEASE AND DESIST IMMEDIATELY AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Student Assist Plus LLC
State: MS
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 spoke with XXXX XXXX at XXXX Loan Consolidation on XXXX XXXX, 2015. He assured me that once I went through the process and paid {$590.00} to consolidate my loans, they would pay my loans off. I would pay $ XXXX/month. I have been paying since XXXX 2015 and contacted XXXX to discuss my total loan amount that I saw on their website. It was {$2000.00} more than my initial amount and they told me that my loans had not been paid since XXXX 2015.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Other

Complaint:
I received a XXXX from Synchrony Bank for a PayPal credit card. The XXXX stated the identifiable code for the cancellation of debt was " G '', which is " Decision or policy to discontinue collection. '' Due to this, I submitted a request to XXXX to remove this account from my credit report, they did not. I am requesting that this account is removed from all of my credit reports due to the fact that Synchrony Bank is discontinuing collection, issued me a XXXX and I am now liable for the amount of debt discharged on my taxes. The continued reporting of this account on any of my credit reports is not accurate.

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 2021-06-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.

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 2017-01-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been receiving bills for care credit. I received a letter from a collection agency stating that I have a balance of {$4800.00}. I contacted the company directly when I received the first bill and wanted to know why and what I was being billed. They told me that the dental office I was going to applied for the card. I advised them that I never received a card nor did I apply for a card. I asked them to cancel it as I never applied for it. They stated they would look into it. that was back in XXXX. I am still receiving bills. I contacted them again today and was advised they would have someone else contact me. I have been trying to get this issue resolved from the first bill but still to no avail. Someone else 's name along with mine is also on the letter and the bills that I 've received from care credit and the collection agency.

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 2016-12-10
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
The bank gives out bad financial advice. Recommended that I put money into an IRA account. Because of this advice I pay more in taxes, .. a lot more! The bank is unable to give me details of my account. Can not tell me if I 'm making money or losing money on investments. Can not tell me how much money I put into a investment account. Can not tell me the rate of return or how much the gains are of the account. I can only assume the bank is stealing money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/XXXX/15 I started an International Wire Transfer to XXXX at a Union Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Since the transfer was going to be sent to XXXX US Dollars were converted to XXXX XXXX After 72 hours that transfer was started I went back to the branch and I was told that the Wire transfer was not completed because of incorrect beneficiary information. I was told that if I decided to cancel the Wire Transfer I would be receiving less money because of the difference in exchange rate. I was never told that if I did not decided to cancel the wire transfer I would have gotten all of my money back into my account. Because the currency was changed back from XXXX XXXX to US Dollars, by cancelling the wire transfer I ended losing {$930.00} US Dollars

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I filed a dispute with credit reporting companies and have been well over 30 days since i heard anything and receieved any investigation results.

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 2017-03-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I paid {$420.00} for a retreat, but immediately attempted to cancel it ( within the hour ), through PayPal. The reason for the cancellation was because certain details about the event made it difficult for me to attend. These details were revealed only *after* payment was made. I spoke to Paypal who suggested that I speak with the merchant about getting a refund. Through email correspondence, the Merchant agreed to a full refund. I provided Paypal proof of the email conservations I had with the merchant, granting full refund of {$420.00} but to this day, PP has refused to honor the refund. In addition, the purchase should have been eligible according to PP Buyer Protection refund policy. Also, the immediacy of my dispute was way in advance of the event and should not have posed an issue with PayPal or the merchant to reolve the issue. If anything, the transaction could have easily been written off as an incomplete. As clearly shown in email correspondance, the Merchant recognized that leaving out certain event scheduling details, could mislead customers and therefore, in my case, became an unusable product. I used PayPal for such transactions as a way to provide me with protection and resolve any disputes. I expect this amount to be refunded and retrieved from the vendor or PayPal in a timely manner. Thanks in advance for CFPB 's assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Hello, I established a refi on my mortgage with Caliber Home Loan in XXXX 2016, with 15 years refi rate lock of 2.75 % which expires on XXXX/XXXX/2016. I received my first loan disclosure on XXXX/XXXX/2016, which indicates a lender credit of {$2100.00} to close this refi before XXXX/XXXX/2016. 
With anticipated refi closing date on XXXX/XXXX/2016, I have supplied all the documents in XXXX and follow-up documents in XXXX 2016. However, Caliber Home Loan 's underwriting process just keep delaying the loan closing date. Aftermath, they did n't schedule a notary to sign the closing documents until XXXX/XXXX/2016. Then they removed the lender credit of {$2100.00} at last minute! Before the final closing date, I still see the {$2100.00} lender credit on loan disclosure dated XXXX XXXX, 2016. Caliber Home Loan have removed this {$2100.00} lender credit on the date I signed my closing documents dated XXXX XXXX, 2016. This is outrageous that Caliber Home Loan removed this lender credit on the date I scheduled to sign the closing documents. Unfortunately, I have to sign amid they keep dragging and delaying the promised closing date. 
My Caliber loan consultant is XXXX XXXX - XXXX, he is awared of this lender credit and delaying underwriting process. 

Please help me. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After pulling my credit report and noticing Midland credit management is trying to collect a debt from me, I sent them a certified letter asking for debt validation on XXXX, 2021. 

It is now XX/XX/2021and I have still not received any correspondence. I want this account deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have been clearing out my Credit Bureau report with XXXX, Equifax and XXXX. XXXX  has updated the paid balances, but Equifax and XXXX  have not updated. The Creditors continue to try to collect the paid balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Prospect Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
As a XXXX XXXX combat veteran ( XXXX ), I am informed by VA that the terms of my VA mortgage entitle me to a refund of the funding fee the mortgage provider received when I took out the loan. Prospect Mortgage was that provider, even though without my knowledge they sold my mortgage to XXXX XXXX six months after I signed it, resulting in other issues with XXXX XXXX Home Mortgage. Now, Prospect Mortgage, despite numerous phone calls and requests for update, as well as an in-person meeting and referrals to VA contacts, has not returned this funding fee to me. This issue is separate from my issue with XXXX XXXX Home Mortgage, about which I have also complained to CFPB as a final resort. I need help with these XXXX companies, which are in my view taking money from veterans in order to further their own gains.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: VW Credit
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am the primary contract holder on an account with VolksWagon Finance Company. The secondary signer filed bankruptcy. This account was not included in the bankruptcy case. VW Finance blocked my access to online payments and stopped sending my monthly statements, eventhough this account is not included in the bankruptcy case and I have not filed for bankruptcy. I have called several times to get a print out of my account. The rep states that account is current, but they are unable to email or mail me a statement. I am referred to a Debt Collection Company. I keep trying to explain that the account is not being paid by a collection company. I have not received any statements of my account from the company. When I call the number that is given for the company, the rep says they will email a statement to the lawyer who handled the case and he will forward it to the client who filed bankruptcy. She has not received anything. When she contacted the lawyer, he stated he would mail it or forward it in an email when he received it, but he never did. I do not understand why I can not get a statement of my payments and balance as a contract holder when I am making payments every month and have never been late.

Company response to consumer: Closed with explanation