BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Closed VA refinance on XX/XX/XXXX and still have n't received my escrow refund. Spoken with Title Company six times and emailed them once ; each time they have advised me that it was issued XX/XX/XXXX, and that I should continue waiting for the check. It is going on three weeks since the check was supposedly issued. They have also informed me that if I want them to send me the check, there will be a 30-day hold period on my funds so they can confirm someone else does n't cash the check during said time. Simply stated, I want the money they owe me and not another 30-45 days waiting on something they were ill-equipped to perform. XXXX XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Customer Service : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
{$50000.00} in limbo and no one can provide answersShame on Chase! 

I made two external transfers {$25000.00} each from Chase on XX/XX/23 to an online savings bank. 
Usually these transfers show up at the receiving bank in one day. I have made many of these transfers. 
When it did not show up at the receiving bank by XX/XX/23 I called Chase. After over an hour on the phone the rep finally learned from her supervisor that I was in the wrong department. I needed to be in the fraud department. I was transferred to fraud and after a lengthy explanation a complaint ticket was issued, I was told that the transaction could be reversed if I wanted. However, the agent suggested we wait another day and we agreed to call back if the transfer was not completed by XXXX. The agent said the complaint ticket number would get us directly thru to his fraud department. 
The next day the transfers were completed and received into the online bank. All good until today Today XX/XX/23 I got an email from Chase saying that one of the transactions was being reversed. Why? I never asked for it to be reversed. I called and was again on the phone for 36 minutes and several supervisors. I wanted to know why they were attempting to reverse the transaction when I had not authorized that. I also wanted to know what, if anything, was happening to the second transaction that was done of the XXXX. 
This supervisor was not able to answer any of the questions but wrote up another complaint requesting to escalate to a higher official. She would not transfer me up the line. She said someone would phone me within 48 hoursthat was her only option. 
I told her very clearly that I was not satisfied with that response. Well see if that happens! 
{$50000.00} in limbo since XX/XX/23 ( 7 days ) and no one can provide any details other than that someone will get back to me within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Central Portfolio Control Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving repeated phone calls from the company Central Portfolio Control Inc . I received a phone XX/XX/XXXX stating that I owed a debt on a XXXX XXXX and needed to make payment or setup a payment plan right away. If I did not do so then I would be sued or my wages garnished. I however refused a payment as I am still unaware of the collection in question. I was never sent any information regarding the said debt from the original debtor or from CPC. My spouse is now receiving phone calls to his place of business with the same threat : If I do not pay the debt they will garnish my wages. Latest phone call was -XX/XX/XXXX at XXXX XXXX. I am aware that the debt in question is well out of the statue of limitations. The threats and harassing phone calls made to my spouse 's place of employment are unlawful. The threats and phone calls made to my personal cell phone number are unlawful. The CPC has not provided any hard copy proof of the said debt in collection : I have no judgement or collection on my recent credit report - printed XX/XX/XXXX : nor have I ever received any information or contact from the original debtor.

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 2015-04-16
Company: EOS Holdings, Inc.
State: MD
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:
they say that i owe a cell phone bill from att and the last time i had att account was 2006 i called att and they cant find account that belongs to me and this company insists on collecting this debt and also reporting on credit file as a new debt .. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: FirstPoint Collection Resources
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: Account status incorrect

Complaint:
On XXXX XXXX, XXXX, I wrote to this company notifying them that their claim was disputed and in that same letter, I requested that this company validate the debt. 
I requested that it provide me with competent evidence that I have any legal obligation to pay them. I asked that they provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Instead, the company sent me a letter dated XXXX XXXX, XXXX from a debt collection company. In that letter, the dollar amount of which they say I owed was changed. This company did not provide me with competent evidence that I have any legal obligation to pay them. It did not show how it calculated what they said I owe ; it did not provide me with any papers that show I agreed to pay what they say I owe ; it did not provide verification or copy of any judgment ; it did not identify the original creditor ; It did not prove the Statute of Limitations had not expired ; it did not show me that they are licensed to collect in my state ; and it did not provide me with its license numbers and registered agent. 

Rather, this company has to this day ; knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Submitted a timely dispute on or about XXXX/XXXX/XXXX for a purchase in the amount of {$180.00} for merchant XXXX. On or about this date, a provisional credit was applied to the account XXXX. PNC Bank sent a dispute questionnaire dated XXXX/XXXX/XXXX with reference number XXXX. The questionnaire was completed and faxed to XXXX on XXXX/XXXX/XXXX at XXXX XXXX and XXXX/XXXX/XXXX at XXXX XXXX. On, XXXX/XXXX/XXXX the same questionnaire was sent by PNC Bank claiming they never received my questionnaire. Obviously, the bank either lost my 2 separate fax documents or this is a way to easily close debit card disputes initiated by consumers at this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: OH
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 requested the reporting information be verified and validated with original agreement, account history or contract with my signature and date. Equifax refuses to send proper documentation, instead sends a copy of what has been inaccurately reporting to my credit report for years now. The duplicate information sent to me did not include any account transaction history, no payment history, no payment amount history or method. 

The duplicate information is not an original contract and therefore I am requesting this fraudulent reporting is completely removed and permanently deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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: Account status incorrect

Complaint:
Disputed incorrect information through three credit reporting agencies and creditor, XXXX continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. XXXX is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX XXXX keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get XXXX to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.

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 2017-10-09
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
OnXX/XX/XXXX I started a refinance application with Quicken Loans. All paperwork was done online and submitted online. I had a home loan and a home equity loan. The home loan was with XXXX XXXX XXXX and the equity loan was with XXXX. All i wanted to do was to combine the two loans back into one. So, that is refinance loan. I got a call from Quicken Loans, ( do n't remember the date ) telling me that in order to make the numbers work that they would have to include one of the credit card amounts in the loan. I said okay, but was not aware that this was going to make my loan a home equity loan and this was not explained to be by the Quicken Loans Representative. I really did n't realize that it was a home equity loan until a week ago. I applied for a home equity loan and the bank called me to tell me that i already had one home equity product and that in the state of Texas a person is only allowed to have one home equity product at a time. I was confused about that and so i went to look at the loan documents i had received from Quicken Loans and sure there it was. I never really looked at the documents that i received in the mail from Quicken Loans. If i was told at the time that this was going to be a home equity loan, then i could have research it and make a decision. So, I still thought it was a refinance. Part of my complaint is Quicken Loans did not disclose to me at the time that adding the credit card would make my loan a home equity loan and the other part of my complaint is the way in which the closing was done. 

Quicken Loans did not follow the law for the closing of home equity loans in the state of Texas. The law states that all closing of home equity loans are to be done in person and at a physical address and if is not, then the person would have to sign a power of attorney to have someone sign for them. If a power of attorney is assigned then all paperwork would be signed " person name by person name ". In my case none of that happen. I did not attended closing. I did not give permission or sign any power of attorney and all documents i received from XXXX XXXX, XXXX only have my name typed on the line and no initials, no notary seals on any paperwork. I did ask Quicken Loans several times where would be closing be done and they said at a office near me. Then i got a call that the closing was going to be done and I would not have to attend. All this was done in a matter of 24 days from start to finish. I applied on theXX/XX/XXXX and documents state closing wasXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: TX
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2017-10-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I  called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. 

From my understanding if a debt has been charged off it is not collectable by a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Firstsource Business Process Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with XXXX who attempted to collect a debt owed, he said on a recorded line that I owed an amount plus interest and fees and he would be able to settle for less ... from my knowledge and written proof as well as verbal confirmation from a supervisor .. only XXXX amount is subject to collect, XXXX XXXX made it seem as if he was giving me a deal by asking for less .. which is false information tactics in order to collect a debt I would like the collection agency to stop and the original debt to be removed from my credit reporting agencys at once.

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 2021-09-16
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX has been adding debt to my credit for a long time and never disputes it correctly I have been a victim of identity theft for a long time and nothing is helping

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I notified XXXX XXXX concerning a medical bill which was Deleted by Transunion in XXXX/2017. In which they were unable to provide a Valid reason for collecting a medical bill with XXXX XXXX XXXX. I had No knowledge of as of today I have not received any response from this company with information concerning this Medical bill. Ive spoken with the Supervisor XXXX in special handling department this morning with Trans Union in which he was very rude to me about it I informed him that I have all my paper work and he said I will have to continue to contact 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 explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: NY
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:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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 2017-08-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity were stolen. I have n't been in United States since XX/XX/XXXX. I came back just XX/XX/XXXX and found out that someone used my intel for more than 7 years, opened credit cards. Now I am trying to dispute all inaccurate accounts and debts because I did n't. I filed reports to FTC and police. Also, I tried to contact XXXX XXXX XXXX XXXX, the collection, which bought one of the debts. I wanted to explain my problem and expected understanding and cooperation as I have rights to dispute not my accounts and debts. I called to this company XX/XX/XXXX. Firstly, one of the employees asked my data to find a case then transferred me to the administrator as she said. This administrator just said I had a court. When I tried to explain to her that my identity was stolen and I have never been in California in my life, she just made fun of me and my not perfect English language, then said " buy XX/XX/XXXX! '' and hang up on me. I tried to call again more times, but this company blocked my number. I sent them a letter with request to close this fraudulent account, but there is no response. They violated my rights, in accordance with the Fair Debt Collection Practices Act, to stop collection proceedings against.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received my degree as a non-traditional student because I thought it would help me find a better job. When I received my first repayment information, I still had not secured employment that would allow me to repay the loans. I put the loans in forebearance, I believe this was through XXXX. At some point the loans were transferred to FedLoan Servicing. I later found out that if I made 120 payments, adjusted based on income, and applied. My loans qualified and I started this program. Then, about six months ago, I was told by a customer service person that it would be better to consolidate the loans, so I did just that. I received a letter dated XXXX XXXX, 2017, showing that I had a payment due. It also showed that I had no PSLF qualifying payments. I called to find out why my payment was so high and why the letter stated I had no qualifying payments, even though I had three years of qualifying payments. I was told that I lost all previous qualifying payments because the loans were consolidated! I am trying to get qualified again, but I dont know where else to go because FedLoan Servicing has mishandled my student loans. It is not right that they would talk me into consolidating my loans without mentioning that I would lose the three years of qualifying payments.

Company response to consumer: Closed with explanation