BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in and around XXXX or XXXX i was suppose attend school at XXXX  in Indiana so i was looking for an apartment. At the time i was XXXX XXXX XXXX not truly knowing how this apartment stuff work so i was applying at different apartments before i was approved for financial aid but i didnt get approved. One of the apartments was XXXX apartments in XXXX XXXX. I explain my situation to them and they told me that was fine and just sign some papers to hold the apartment just in case i got approved well i didnt so i never moved in the apartment. Years later i find out i have a debt to them for {$6400.00} for an apartment i never moved in which is causing me to be homeless now because its stopping me from getting my own place in my name as an true adult. I tried to reach out to them but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please find attached the cease and desist letter from XXXX regarding myself XXXX XXXX. I am illegally being billed for services, my provider XXXX has requested for XXXX XXXX to bill them directly and they still have not. Per this letter, XXXX XXXX is in violation of Act Knox Keene which states, they are prohibited from attempting to collect funds other than co payments and deductibles. The collection agency Credit Bureau association claimed that they had n't received the cease and desist letter from XXXX XXXX so I myself have E-mailed the collection agency and mailed them a letter and still have not received a response. There is also another letter to XXXX attached which states that XXXX has contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and requested that they bill the correct party yet, the collection agency still has not received any documentation from XXXX to cease. The next step is legal action as this has affected my credit report, I need this removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had my federally protected consumer rights violated by EXPERIAN on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. EXPERIAN has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included 3 notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification XXXX XXXX XXXXXXXX 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 2017-05-22
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My Initial complaint no. is   XXXX   ( CLOSED ). This serves as a second complaint agains t CitiMortgage  regarding the lengthy time to satisfy our request for a short sale. In   XX/XX/XXXX ,  I requested hardship assistance, and my account has since been reassigned to multiple agents, and as of today  (    XX/XX/XXXX   )  CITI ha ve yet to respond. In   XX/XX/XXXX , o ur authorized third party ; provided all requested documentation t o Citi, an d our file was then submitted to the  Citi Underwriting D epartment for review, and it was noted that all documents requested were consistent with underwriting guidelines. In   XX/XX/XXXX ,  our file was again reassigned, but in     XX/XX/XXXX ,     the Short Sale department stated that additional documents were needed to proceed with the short sale. We again went through several requests for documentation, and on   XX/XX/XXXX   we were advised that the requested documents were received and our file was submitted for review by a Short Sal e Negotiator.    According to the last communication from  Citi o n   XX/XX/XXXX ,  they were to advise response to request in 15 days which I presumed business days which gave them until Monday the   XX/XX/XXXX . O ur request for resolution has been met with negative results.   Your assistance with providing us relief on this matter is greatly appreciated.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CCF Intermediate Holdings LLC
State: CT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am being threatened by this company saying I will be arrested, seize my assets, and contact employer. This company is a debt collector saying I owe money that I do not owe. This company is also using dates that from 4 years ago which make no sense. I was not even able to acquire any loans 4 years ago. I am getting repeated emails that are threatening and harassing. I believe this is a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Subject : XXXX Soft Inquiries Made on Credit File Description : On XX/XX/2019 two soft inquiries were made through an API from XXXX XXXX to XXXX  XXXX  and XXXX  through XXXX, both lending companies. I did not authorize these companies to access my credit file under any circumstances. ( Because I have been the victim of 3 data breeches, I am reviewing my credit files very closely ) The reasons I am aware of these inquiries is I received email notifications from both companies in response to the inquiry. I have deactivated my XXXX XXXX file and I would like these soft inquiries removed from my file by XXXX XXXX - I did not authorize them to be made. 

I contacted XXXX XXXX on XX/XX/2019, the day I received the email and XXXX XXXX   onXX/XX/2019. A rep at XXXX XXXX said, " I wasn't approved so don't worry about it '' and, XXXX XXXX responded via email with an ambiguous response. I do not have contact information for XXXX through 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 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/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 explanation
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Our law firm leased XXXX safe deposit boxes, going back, according to bank records, to 1997. The bank has mismanaged our account records, so that now they do not recognize any of the partners as authorized for safe deposit box access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for a home equity loan and the credit check showed that i owed XXXX to a company called portfolio recovery. I called the company and they told me the charges came from a XXXX XXXX XXXX. I told them i never applied for or owed such a card. I informed them that the account was associated with an address that i rented back in XXXX for XXXX  months. The purchases were made from a XXXX XXXX XXXX  store back in XXXX my only child was XXXX XXXX XXXX at that point i had no reason to buy toys and games from XXXX XXXX XXXX. I did received calls possibly from them regarding this issue but none of what they said seemed valid or sense to me. I thought the calls were a scam or spam. I told them to send information regarding this .i filled it out and mailed it back to them. I heard nothing from or about XXXX XXXX until i applied for the loan in XX/XX/XXXX. I also contacted XXXX credit and XXXX back that sold the account to Portfolio recovery. I informed XXXX back that i never had any credit cards associated with them and they confirmed that. There representative told me they would take care of this matter but apparently never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: CT
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:
I have been filing properly with Equifax to have XXXX XXXX XXXX removed from my credit report. I have filed numerous disputes and they continue to leave on my credit report, and it should have been removed, should be removed where the 7-year statutory reporting period has long since past from the first time it was reported to them as late. 

I have a document that I will send to you dated : XX/XX/XXXX, that supports XXXX reported the account late on XX/XX/XXXX for  the first time, and this is nearly ten years later and it is still on my report, the vehicle was voluntarily surrendered in XX/XX/XXXX when both my parents became terminally ill and I could no longer afford. 

I need your assistance, I have tried and tried. 

The seven-year statutory period has long since past and it should have been removed, it is causing me severe hardships when applying for my student XXXX Plus loans I continue to get denied due to this and have to explain and appeal each year. This is something that should have been taken care of years ago. 



Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to SLS in XXXX 2016 and our monthly mortgage is paid bi-weekly on an ongoing basis. In XXXX 2016 we were notified that our mortgage is past due, even through we were making regular partial payments that exceed the minimum monthly payment. We spoke to representatives at SLS in XXXX, XXXX, and multiple times in XXXX to resolve how payments were applied. Research done by a representative XXXX and determined that our partial payments were not held in suspense and applied to our monthly payment as was our understanding. It was determined that we had a total of XXXX monthly payments made in excess. Every representative that we spoke to, in excess of 7 times, opened a new ticket to get our XXXX surplus payments ( XXXX partial payments ) applied appropriately towards our excess payments. After every ticket is opened, SLS offers no call back for resolution and we have to call back in 3-5 business days to confirm. Every time we call back, a new ticket is opened for the file. We escalate the calls to management with no resolution, get transferred to Executive Services, all with no 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 2020-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I made a purchase for services online that were misrepresented by XXXX XXXX ( cooking methods to improve health ). The company misrepresented what the program was and I could not use due to health constraints. I first reached out to the company to cancel in XX/XX/2020 as soon as I realized I could not use the services due to health constraints. XXXX  XXXX refused to cancel and refund. 

I reached out to Capital One to block merchant or Cancel the card due to recurring charges I did not authorize. I was told to contact XXXX XXXX   again and report their response prior to Capital One taking actions to assist me. I did so without resolve. I called Capital One to cancel my card and was told to just change the card number by closing the existing card and allowing them to send a new card and number. They assured me that XXXX XXXX could not chg the account again or commit fraud since it was a new number. I was not happy at losing the initial {$87.00} but accepted Capital One 's promise that XXXX  XXXX  could not chg the card because it was closed. XXXX  XXXX  placed a four month hold on the subscription then submitted the {$87.00} chg again without authorization. I called Capital One and was told not to worry, it is pending and won't go thru due to my actions in XXXX. I was told if it did go thru, it was fraud and they would get my money back and prosecute. The charge went thru and now Capital One has changed their story again and says XXXX XXXX  is the only one who can stop the charge and I need to try them again. I inquired about Capital One 's position changing and why they had not done as I requested in XXXX and closed my card to prevent further charges from happening. They apologized for misinformation in XXXX but not to worry, they are issuing a temporary credit I can not use to allow XXXX  XXXX   90 days to stop charging the card. There are still two more opportunities for them to take {$87.00} against the card during the 90 days. None of these charges are authorized. I've followed all protocols to resolve this dispute. I've paid my entire bill monthly to build credit. I had to close my card today because of both XXXX XXXX and Capital One 's fraudulent practices. I need help resolving these issues and finding a reputable card that gives me recourse against unethical companies and business tactics. 

Please help Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Medical Data Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i got a random bill for a service i never received for almost {$400.00}. all that happened was i asked how long the wait was and got told 6 hours so i went elsewhere because i had an accidental overdue due to misprescription from a doctor. i never got seen, i never got a service yet they insist i owe them

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 2020-08-05
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/2020 a non-profit in NC provided my family with XXXX to help with rent/ mortgage from the rental relief fund during Covid-19. They processed the payment electronically to the account with NewRez. I have contacted NewRez multiple times via phone where I am told they can not locate the payment but once they find it they will apply it and not charge late fees. It will be a month this Friday that the payment is sitting with the service center and has not been applied. The non-profit that made the electronic payment sent me the confirmation they could provide however I received a letter from NewRez that  they cant find the payment, it is late, I will be charged fees and if I would like send them acceptable proof of the payment I can with a written request to look for it again I can. 

NewRez Reference # XXXX ( this is the actual account # ) Acct ****XXXX  Payment Reference # from Non-Profit not involved in the complaint XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: SC
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:
I have sent several request for Equifax to validate several inaccurate accounts on my credit report and they have yet to respond back to my request within 30 days which is a direct violation of the FCRA. These items need to be removed from my credit report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank closed my account without letting me know until I received a letter in the mail on   X/XX/17  t  ha t my accounts were closed back on   X/XX/17   with documentation to prove it. Clearly stated on the letter it says, accounts were closed   X/XX/17   and your funds will be mailed to you withi n 10  business days. After contacting the bank, they would not refund me in cash and said that they could do nothing, and I needed to wait for the check in the mail. A check arrive s  X/XX/17  b ut missing {$120.00}. I ask for a statement print out, which says {$120.00} check charge along with the remaining {$2600.00} check charge. When returning to the branch to find my {$120.00}, they just told me it 's in the mail and their system is down. After letting her know that I was not leaving without my money, she called the police. I just do n't understand how a bank can withhold my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received undated Annual PMI Mortgage Notice to Mortgagor ( copy enclosed ) from my mortgage company Select Portfolio Servicing Inc. and called them whether my PMI can be cancelled. After my call, the company sent letter dated XX/XX/2019 ( copy enclosed ) that my LTOV dropped down to 64.60 %. 

As per annual PMI Notice my PMI should have been cancelled automatically when my loan reached 78 %. The company did not cancell till I submitted complain to CFPB on XX/XX/2019. 

At the same complain I wanted to refund the PMI I paid from the month loan reached 78 % as the PMI was not cancelled automatically. 

The company only cancelled the PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
When using the website free annual credit report - XXXX and Experian I was unable get a copy of my credit report - XXXX I was. I got an error and an XXXX number. Upon calling the number - they wanted to sell me a copy of the report. it was fully automated and no way to chose any other option or to talk to someone live. We need the free option to download this free from the internet - I think the company has conveniently has this broken so they can sell this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I make a payment and the balance of the credit card Never goes Down it stays practically in what I owe I have complained and they lowered it to XXXX then after 2 months it jumped up again to XXXX this is unacceptable they gave no help with Coronavirus! Another XXXX thing they did is while having a High balance on the card they lowered the credit limit leaving me over the credit limit and damaging 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 monetary relief
Consumer complaint received 2017-10-13
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In or around 2007 I received student loans which were eventually serviced by XXXX XXXX XXXX. Due to delinquency I sought legal assistance and settled my balance for the loans which was paid in the amount of {$13000.00}. I recently learned of XXXX XXXX XXXX improper collection practices and as such, I would like my account reviewed and to receive a refund of all settlement monies paid should it be found the the company did not have the right to collect this money. Thank you for your time and assistance.

Company response to consumer: Closed with explanation