BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, someone accessed my checking account at Chase by using ATM card then withdrew cash of {$500.00} & {$560.00} from the ATM machines at the branches of Chase in XXXX. I claimed Chase that I didnt withdraw cash on the day because I was in XXXX and had the ATM card in my possession. They investigated and said that I authorized or share my pin # with someone. I told them that I didnt share my pin # with anyone. I asked them to prove to me or show me who or how that person could have my pin #, they refused to do so. Instead, they told me it will take time to investigate. I also explained to them that my mails had been stolen from me, because my mailbox was broken by someone, and I have also noticed that I had not received my tax statements from institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid this bill back on XX/XX/2018 I took a screenshot of the bill paid directly to XXXX at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was making payments until XX/XX/XXXX when I lost my job due to covid I have since found a job as of XXXX XX/XX/XXXX select portfolios serving has put a sale date on my home I've been trying to work with them however all I'm getting is they want to sell my house they sent me paperwork with an rma in there then I send it in and they return paper saying there is no rma fir this loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

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 2022-02-27
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Rubin & Rothman have engaged in numerous unethical tactics and behavior that violates all State And Federal Collection practices. 

I recently had an identify theft breach in XXXX and was sent a FREE copy of my credit bureaus. I see that R & R have been running my credit on a monthly basis without my permission and in violation of my rights. 

They appear to have obtained a Judgment without ever serving me with any legal papers and without ever properly putting me on notice of the underlying lawsuit. They obtained a fraudulent default judgment on a debt I am certain I do not owe and now they are looking to collect it knowing that my time to open the default has ended. 

Now that I have discovered the issue I have learned that They have used tactics which violate my privacy by contacting friends and family members on their cell and house phones even after repeatedly being told that the number they were calling does not belong to me. Just last week they called XXXX XXXX ( name to be provided ) on a cell phone that is not mine and and inquired about my employment and said they were looking to collect a debt. She informed them that this was not my number. 

Other family members have alleged the same tactics. They have gathered and used improperly private information about me and about my friends and family members. Family members will attest to feeling harassed by these tactics. 

They have also disclosed to a third party that is not my employer that they have obtained a Judgment against me hurting any opportunity I have to do business with that company. They have also informed my neighbors about my debt completely causing me shame in my community.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: QC HOLDINGS INC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
On Monday XXXX XXXX, 2015 around XXXX, someone called my sister n law 's phone looking for me and she told them that they have the wrong number. I called them back and spoke to a man who said that I was being accused of fraud for writing multiple bad checks and that I owed around {$5400.00} in fees. He said that I probably just made a mistake and that could settle this for about {$1000.00}. I told him that I needed him to send me something in writing to verify this and he told me that he did not have to because it was past the point of collections. I told him that the conversation would be over if he could not provide this information to me and he began yelling at me and hung up on me. When I came home i also received a voicemail from this same number just stating that there was a claim in their office and I needed to contact them back. On Tuesday, XXXX XXXX, 2015 at XXXX, I received another call from this number. I called this number back and spoke to a woman who identified this company as XXXX XXXX and stated that she was not a debt collection agency, but a mediation agency. She stated that I was being accused of fraud for writing bad checks as well and I explained to her that I would need something in writing stating what I was being accused of and how much I owed. She said that if I did n't resolve this issue that I would be referred to the county for fraud. She told me that they had me on camera walking into a loan store and writing a bad check and that is considered fraud. I then told her that I did have a payday that I took out in the past that defaulted and that I tried to make a payment arrangement with that company and the company did not want to accept my arrangement. She told me that I could settle this for about {$1000.00} and I told her that I needed to see what I was being accused of in writing first. She kept insisting that I make a arrangements with her and I kept insisting she give me something in writing. After going back and forth she said that she was just going to send this in and that I needed to get an attorney and that I would be liable for about {$4000.00} and hung up on me. I have this conversation recorded on my phone and can email it to any party that needs this or I can replay it. I tried XXXX this company and found no results. This woman did have some information about this debt but was not accurate. I believe that this company has violated The Fair Debt Collection Act for accusing me of a crime for owing a debt and accusing me of writing multiple bad checks because I took out a payday loan that defaulted. They also are not representing themselves as debt collectors which is also fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: Dynamic Recovery Solutions, LLC
State: NE
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:
I cancelled a cell phone agreement after the contract was up, and was charged a cancellation fee. I cancelled the phone in 2004, and was willing to find the collection companies because I knew my contract was up. I have a file with all the demands from XXXX, as well as all of my response letters. I have written in response to at least XXXX different collection companies and have never received a response or verification of a contract or any debt owed. 
I have been getting these demand letters for the past ten years. Enough is enough. this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: UT
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:
Loans were taken out in my name fraudulently by XXXX / XXXX between XX/XX/XXXX - XX/XX/XXXX. These include federal, private and military loans. I have tried to combat that, and the issue is n't moving. My loans were listed XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX+ loans in my name, Many with no signature, I ca n't get approved for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This complaint has been submitted several times I've complained about being a victim of identity theft. Transunion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX 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 2020-04-21
Company: TekCollect Inc.
State: IL
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:
XX/XX/2020 XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


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 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Family Member obta ined loans fraudulently, has subsequently been prosecuted and is serving a  XXXX  term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

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 2022-02-27
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection account on my credit reports for a medical debt that was paid by my insurance and I have disputed the his with credit bureau and the debt collector who has refused to respond to my letters for proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a targeted promotion in XXXX, 2016. The offer code is XXXX, which is earn XXXX AAdvantage bonus miles if I open a Citigold account and with in 60 days complete : 1. XXXX qualifying bill payment for XXXX consecutive months 2. spend {$1000.00} in purchases using the Debit card I signed up for the account at the end of XXXX, but I did n't receive the debit card and pin until early XXXX. 
I had less that 30 days left to complete the XXXX requirements and it was impossible for me since XXXX of them ask for XXXX consecutive months. 
I chatted with the Citi online representative in late XXXX and was given until the end of XXXX to complete all the requirements. I did complete all the requirements in XXXX and I did the online chatting again, the representative confirmed about the extension and that I completed all the requirements in time and I will be rewarded automatically. 
Over 3 months have passed, there is still no bonus miles posted as promised. Citi wo n't acknowledge the extension I was given and insist I did n't complete all the requirements in XXXX. 
If Citi do n't correct this dishonest mistake upon this complaint : 1. I will pull all my money from Citi, which is over XXXX USD. 
2. I will write to the Citi Executive office. 
3. I will publish the story and all the evidences I saved to public media. 
4. I will write to the State senators ' offices. 
Please check the online chat log on XXXX XXXX. It will prove that I was given the extension until the end of XXXX to complete all requirements.

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 2020-03-03
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in early XX/XX/XXXX we became aware that PHH Mortgage Company was not paying our property taxes on one of our parcels. We have contacted PHH by  phone just about every week since XX/XX/XXXX. We continue up to today XX/XX/XXXX to no assistance from PHH. The taxes our included in the mortgage payment, but PHH refuses to follow instructions from the county clerk 's office, sends the wrong amount ( that are marked " Insufficient Funds '', includes the wrong parcel numbers and incorrect address. XXXX ID XXXX a manager at PHH and our main contact has refused to return our phone calls or communicate to us in any way. The parcel stated has been sold for delinquent taxes due to PHH mishandling. The original amount was {$1500.00}, but since it has not been paid by PHH it is now up to {$1700.00} and will increase again in XX/XX/XXXX for additional fines and penalties. Back on XX/XX/XXXX PHH sent two checks in the amount {$750.00} each. PHH has been given by us and the clerk 's office specific instructions on how to send and what to send. The two checks were returned to PHH on XX/XX/XXXX for wrong PIN number, ISF, incorrect check type and this has happened three times now. We have until the year XXXX to redeem the back taxes to keep our property. PHH has stopped all communications to us and has sent threatening letters stating they will start charging us a {$50.00} for some unknown reason and a {$17.00} fee for processing, processing what?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My checking account with Capital One Bank was compromised in XX/XX/XXXX. I discovered there were fraudulent checks deposited through my mobile banking and then withdrawn. I contacted Capital One, filed a police report, signed an affidavit and my case was assigned to a fraud XXXX for Capital One. I spoke with her on a few occasions, sent all of the documentation to her. In following up, I was told that she could not contact or get any cooperation from the XXXX Dept and basically that because they took a loss, that I would have to take a loss for the money that I had in my account prior to the breach. Subsequently, I received XXXX calls from their collections department claiming that I owe them money for overdraft fees associated with my account. I explained to the agents both times that I had a fraud case, did not owe them any money and wanted to know who to get my money back. Each time they said, we will call you back and nothing. I then received a cancellation of debt XXXX for {$960.00} for XX/XX/XXXX. I have attempted several times to call the fraud XXXX and it goes straight to voicemail. I was treated as if I was the criminal and not the victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I make multiple payments towards my monthly mortgage balance. The payments are not applied to my mortgage at the time of payment but are held in a ledger account until the entire minimum is received. I believe this practice is wrong and does n't benefit me the mortgage holder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: CT
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:
Contacted Experian credit reporting about and issue with 4 outstanding credit notes on my report, all were disputed and claimed investigation pending? Both XXXX, and XXXX   were contacted several weeks later and were questioned on the status? And how could my score drop when court documents and XXXX  XXXX  were filed as Well? The answer I got was we don't investigate anything all we do is put the information from the credit card company in for information? So my next question was so you don't confirm anything they answered no. The managers name was XXXX and wouldn't give the last name but was in the fraud unit? He went onto state that Fico does the scores and not them? I then contacted Fico and questioned them on how does a dispute get handled? The manager stated that he doesn't do any investigation for fraud and he does is take what the credit companies submit but does not verify anything? So here all three company 's charge consumers for fraud protection but none do any investigations and only rely on what the credit card company submits? Nothing is confirmed at all through the courts or anything, but yet you are charged every step of the way.

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