BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-02
Company: M&T BANK CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
M & T Bank recently acquired my mortgage. I was notified by my previous lender. I did not receive any information from M & T bank until XX/XX/2017 by mail via a letter dated XX/XX/2017. Their payment system was non-functional until XX/XX/2017, 10 days after my payment was due for XX/XX/2017. I made a payment but had to do so between website outages which were explained to me as daily " maintenance '' outages. I have never encountered any banking website or payment website that has such frequent outages. 

On XX/XX/2017, I attempted to make my XX/XX/XXXX payment and again found their payment system non-functional. Although it allowed me to view my loan, attempting to make a payment redirected me to another site which redirected me back to my loan information page, providing no mechanism to pay. 

This will again force me to make a payment late due to the bank 's inability to accept my payment.

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 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While travelling I purchased some food at an airport XXXX  prior to boarding my plane. This purchase was on XX/XX/2021 for {$15.00}. Time was tight so I had to rush to the plane and did not check what was in the food bag until the plane was already taxiing on the runway. At that time, I discovered that I was missing ~1/2 of the food that I ordered. 

I called Capital One in early XXXX ( unsure of exact date ) to file a dispute. The person I spoke with said they would be sending out some paperwork that I would need to fill out to complete the dispute. I never received this paperwork ( and I have USPS informed delivery so was able to confirm by looking at images of all the mail that came by way ). 

A few days ago ( XX/XX/XXXX ), the original charge was reposted so I called back to see what the problem was. The person I spoke with told me to write up something in XXXX that details the situation and upload to the online system. I promptly typed it up and loaded into the online system. 

Today, I received online correspondence that they were declining my claim for not providing the requested information ( I provided exactly what was asked when I spoke to the service agent a couple days ago ). I called in again today to see what the problem was and how to resolve it. They sent me a link to an additional information document that I've now filled out and uploaded again. 

So now, it's ~1 month since the disputed charge. I've spoken to 3 different people and uploaded 5 different documents. I feel this is an extremely unreasonable amount of effort and hassle for a charge that was < {$20.00}. I've had far easier dispute processes with literally every other bank that I've worked with and those included amounts that were significantly larger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20
Company: First Data Corporation
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company has been notified that my father was a victim of identity theft. He had checks stolen from a third party known to him and used in various businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has been continually calling my house and I do not owe any money to them. Someone will call now and just breathe or not say anything on the phone. I told them two years ago to stop calling. I had a XXXX and my medical bills were paid through insurance, so I want the daily calls to stop. They have called everyday for two years. The company 's name is receivable solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: Information belongs to someone else

Complaint:
It has come to my attention that you are not restricting files provided with an FTC fraud report. Because it is required by FCRA law 605b, I am sending this letter certified mail to assist establish legal remedies. If you do not ban the items mentioned below that are reporting incorrectly due to identity theft, I will turn over my paperwork to my attorney to initiate legal action. It is my aim not to take legal action, therefore please follow the law. Please delete the following products, which are fraudulent and were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX If you say that these goods are 100 % true and verifiable, I require copies of any paperwork linked with this item that has my signature, as I am aware that none exists. In the absence of such documents carrying my signature, I formally request that this information be removed from the credit file you keep under my Social Security number immediately.

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 2015-07-08
Company: Global Credit & Collection Corporation
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX from Global Credit and Collection Corp. continually calls my employer, even after being told he can not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: First Data Corporation
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} ; XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
Company: NCB Management Services Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
date various from XX/XX/2022 to XX/XX/2022 XXXX from NCB MANAGMENT SERVICES a third party company, the account was closed by XXXX XXXX and this third party NCB MANAGMENT refuses to close account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: MI
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:
On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me 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 2016-01-12
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have submitted requests for this account in the past and have not had it removed previous complaints has stated that a universal data form would be sent to my email at XXXXXXXXXXXX i have not recieved it and it is still reflected on my XXXX credit report can you please look into this and email me or comuncate with XXXX to finally get this fraudulent account removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request CMI that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from MRS Associates stating that I owe XXXX the sum of {$1600.00} dollars for a debt I have no knowledge of. I called that company and asked how was that possible when I have never purchased any goods from XXXX nor I had received any letters saying I was in debt with the latter. 

an MRS representative then explained that I had to call XXXX to a number no one answers. 

I was then directed to a XXXX website where is asking for me to file a police report. I don't have any details to provide to the police as I don't know what is the debt for.

MRS Case number : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
All of the above. 
Upon finally leaving XXXX as a XXXX on XXXX i hired a local cleaning crew give our base housing another final clean. The management told us not waste our money due to the fact that our residence was the last house remaining with carpet. We were told they would tear it all out and lay hard wood like all of our neighbors. I thought it was finished. I was wrong. 
To check out of base housing por house was inspected. We passed. 
With My papers signed we left XXXX military life headed to Idaho. 6 months later my wife started getting phone calls throughout the day ... Every day. All day. Some minutes apart. Some hours apart. 
She nearly answered them all. Diligent to find out who was harassing her she maintained her routine. I would n't have. But they did n't call me ... The XXXX, who 's credit it 's on. Who 's name was the housing. 
When called base to figure out the details XXXX military housing said did n't owe anything and agreed with the previous statement that the floor covering removed and a wooden laminate was put in place. 
However the so- called dent is still reflecting on my credit. 
I want the whole thing And all derogatory remarks removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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:
I refinanced my personal residence late last year. I own a rental property with a mortgage loan as well. The closing agent XXXX XXXX XXXX, a XXXX XXXX XXXX erroneously paid the mortgage loan off that was on the rental property, though all loan documents contained the correct property address. The payoff occured on XXXX  In XXXX XXXX, I received a late payment notice on the mortgage secured by my personal residence. This notice came from XXXX XXXX XXXX in Virginia. In speaking with them, the originating lender & XXXX  by phone, I was made aware of the error In XXXX of XXXX I was also made aware by credit monitoring services that a 30 day late payment was recorded for XX/XX/. This resulted in a 40 point credit score drop across all 3 reporting agencies.

Since then, I have been in telephone contact with XXXX  disputing the entry with them twice with documentation from XXXX assuming responsibility for the error. I have also disputed the entry with XXXX XXXX & XXXX, all to no avail, as I have received confirmation from all that the error & resulting damage to my credit is uncorrectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been in the process of obtaining explanations for questionable activity on my account. Obtaining a valid explanation has proven to be a daunting process until I filled my last complaint through the CFPB. Now that a line of communications has opened up and Shellpoint Mortgage Servicing company is willing to start addressing the customer service errors, I have drafted a list of the banking transactions and personal customer service errors the account has experienced. 

Please find a RESPA Qualified Written Response letter laying out the concerns over the accounts servicing errors.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: M&T BANK CORPORATION
State: NJ
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:
I am requesting that M & T XXXX. remove XXXX XXXX XXXX  day late dated XX/XX/2020 from XXXX, XXXX, XXXX. This payment " late '' due to XXXX extenuating circumstances beyond my control & directly attributable to M & T & XXXX actions. As usual, I attempted to hand deliver my XXXXto the XXXX M & T branch on - however, M & T would not allow clients to enter the branch & would not accept my payment thru the locked door. I tried another branch the next day & had the same result. M & T XXXX XXXX XXXX refused payment slide under door. 
I then attempted several times to send XXXX XXXX via electronic funds transfer. XXXX, the bank that I write checks from, ( formerly XXXX ) was in the process of being taken over by XXXX SB. Unknown to myself ( or any customers of XXXX ), XXXX had started to transition/change routing # 's. My electronic funds transfer attempted XXXX was rejected several times due to XXXX not accepting the existing XXXX routing # which I had for XXXX years. I went to the XXXX branch, explained the issue & was provided with an incorrect new routing #. The eft failed again. ( XXXX employees were unaware that XXXX had started the change over ). I finally obtained a correct XXXX routing # & the payt. was processed. 
These circumstances are beyond my control. I should not be held responsible for M & T refusing an on time XXXX XXXX & bank acquisition changing of routing #. ( Note : XXXX said they would have honored the mtg.payt.check with the old routing # if M & T had accepted my check with the XXXX routing #. ) I have provided attached evidence of my contact with M & T ( no response ), letter from XXXX admitting XXXX did not recognize their own routing #, and I that I had sufficient funds. There is an error ( of course ) in the XXXX letter. The routing # change began in XXXX XXXX, it was completed in XX/XX/2020 as stated in the XXXX letter ( they are a mess ). I have provided documentation of XXXX takeover of XXXX, proof of multiple attempted XXXX XXXX.s prior to the due date. 
Please feel free to contact me re : questions, comments or additional documentation. 
Thank you for your assistance with this matter.

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 2015-10-20
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( first XXXX in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: JH Portfolio Debt Equities, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was originally incurred in XX/XX/XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XX/XX/XXXX at which time the debt would have been over XXXX. Statute of limitations has expired. I do not owe this debt to XXXX 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 explanation
Consumer complaint received 2022-11-14
Company: JPMORGAN CHASE & CO.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
JPMorgan Chase Bank I have a checking account/ savings account & a couple of credit cards with Chase bank XXXX On my XXXX card XX/XX/XXXX to XX/XX/XXXX, XXXXPayment XXXX {$20.00} made on XX/XX/XXXX. I had instructed the bank to STOP this charge to XXXX XXXX & from this notice, they have NOT stopped the monthly donation charge. The full credit card # XXXX XXXX XXXX XXXX See message I sent again to Bank. 
I had notified the bank to STOP the monthly donation of {$20.00} to XXXX XXXX. " I looked @ my statement & on XX/XX/XXXX my card ending in XXXX was again charged the {$20.00} donation to XXXX ministries. YOU did NOT honor my request to STOP this monthly {$20.00} donation to XXXX ministries. I want this to cease immediately!!! I am making a report to Consumer Federal protection bureau since you did NOT honor my request to STOP this charge on my credit card!!! STOP itt IMMEDIATELY! '' PLEASE can you follow up on this as again I requested that this charge be stopped & yet the bank again charged me. I did notify the XXXX XXXX I was stopping the monthly donation. So they are aware of the stop payment!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} ; XXXX XXXXXXXX Balance {$370.00}

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