BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-05
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been continuously getting the run around from  XXXX   XXXX   XXXX   XXXX  and LJ Ross Associates regarding my medical bills- patient responsibility amounts. I called  XXXX   XXXX   XXXX   XXXX  in  XX/XX/XXXX  to make a payment arrangement on ALL outstanding bills as the statement I received in the mail stated. It stated that if I was unable to pay that I could call and setup a payment arrangement. I called  XXXX   XXXX   XXXX   XXXX  and was setup on a payment arrangement and paid the balance in full  XX/XX/XXXX   . Then the very next day  I g ot a letter from LJ Ross Associates which is a debt collection agency for a balance I thought I just paid through the payment arrangement.  XXXX   XXXX   XXXX  uses, LJ Ross Associates as a debt collector and the few bills that I was under the impression I was paying off were not included in the payment arrangement only facility fees. I called  XXXX   XXXX   XXXX  after talking to a representative a t LJ  Ross and the  XXXX   XXXX   XXXX  billing representative "  XXXX  '' told me that, that bill was not included in the payment arrangement. I do not understand how they could have been left them out when I asked for " ALL '' outstanding bills to be setup on a payment arrangement bills. I am in the process of obtaining a mortgage and this is hurting  my credit score. This  is super frustrating and this is not the first time  XXXX   XXXX   XXXX  has billed me incorrectly. In the past they have not billed my insurance timely and then when they finally do bill my insurance and my insurance pays their portion I get sent my co-pay or patient responsibility to a debt collector instead of giving me the opportunity to pay first.  XXXX   XXXX   XXXX  facility has gone through various changes through the past 10 years and I really think that they have cut corners to clear accounts before new owners have taken over. Fortunately, I have gotten those past issue off my credit report by disputes through the  XXXX  credit bureaus, but this is getting very frustrating and I need this to stop. I 'm sure I am not the only that this issue has happen too.  XXXX   XXXX   XXXX  billing practices ne ed to be investigated. And currently the bills I have been responsible for that were sent to LJ Ross for  collection were paid an d LJ Ross list ed them as a charge off on my credit report when that is not accurate. I understand that may be a separate issue but both companies practices should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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  XXXX   XXXX  believe in the credit reporting system, but there are several issues that need to be addressed by the Federal Trade Commis sion ( FTC ) and the C onsumer Financial Protection Bureau ( CFPB ) to correct the debt collection process, and the abuses that can harm a persons credit ratings without legal standing. A debt collection agency known a s Portfolio Recovery Associates, LLC ( PR  A )  has posted several items of collection against me personally that can no longer be enforced by lawsuit within the state of New York. The creditors themselves deleted the original items from my credit reports since their existence became obsolete based upon the Fair Credit Reporting Act ( FCRA ) 7-year rule applying to outdated deb ts. Portfolio Recovery Associates ( PRA ) has  no standing to attempt to collect on debts that are no longer enforceable within my state of residence, not reportable on credit by FCRA guidelines.   PRA has posted and continues to post on my credit bureaus collections for the following outdated accounts :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( ORIGINAL HOLDERS OF   XXXX    XXXX  BANK ACCOUNTS ) This means th at PRA is posting the same accounts twice Attachments of all of these collections are attached. PRA showed  no physical proof of attachment that they were in possession of purchasing these debts, or approval from  XXXX   XXXX  that they had permission to collect on said debts. PRA collection the information on these accounts through a debt-pooling arrangement that should be deemed illegal at some point by the FTC.  <P/> PRA has no other recourse but to delete all references on all collections with each credit reporting agency, and to send a letter on each case that the information has been purged. I will submit an additional complaint with the Office of Attorney General, state of New York to investigate illegal collection practices such as those procured by PRA against New York residents.  <P/> THESE ITEMS MUST BE DELETED IMMEDIATELY & PERMANENTLY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
a seller " XXXX XXXX XXXX XXXX XXXX '' sold me a defective product XXXX XXXX that has a fan with a noisy bearing and possible fire risk. Capital One Visa was the merchant service provider. Capital one refuses to charge back merchant for defective product. Merchant in writing provided 1 year warranty and merchant says " the MFR will handle the warranty '' MFR states " The mechant knows they must handle the warranty and then we deal with them after they care for you. '' Capital One Visa account is only remaining avenue to force merchant to handle their fraudulently advertised warranty ( FTC violation ) and Capital One Visa allowed merchant to commit this fraud using their system. I believe Capital One is responsible for allowing the fraud to take place on their platform. Additionally Capital One offers me an " extended warranty card benefits of 1 year '' and refuses. 
" XXXX # XXXX '' states the chargeback was made too late and he can not charge back, I know this is not true as I am also a merchant account system user. Capital One " XXXX '' also refused to entertain coverage under the terms of their extended warranty benefit advertised to me to have me sign up to their account. 

Resolution requested : Charge back merchant or negotiate a refund to cover the cost of the repair of the defective 1 year warranty advertised product sold to me. The estimate cost to repair is {$120.00}, or charge back the product price. Copies of all the advertising, receipts, and other information was sent to Capital One. 

XXXX XXXX claims he has no useful supervisor and there is no person higher at Capital One or a person in the Capital One legal department who can review my claim, otherwise I would not have bothered the CFPB. Side note XXXX XXXX never argues with me about these issues and simply negotiates a settlement with the merchant or charges merchant back and if merchant wants to resolve the issue they do so outside of the credit card system, perhaps Capital One is having problems that should be evaluated for risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: CORELOGIC INC
State: OK
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:
On  XX/XX/XXXX , I purchased a new vehicle from  XXXX   XXXX   XXXX  in  XXXX , Oklahoma. I had secured financing through my own bank for the transaction. I told the dealership that my bank had ran my credit for my approval and they should NOT run my credit. They said, no problem.  <P/> On  XX/XX/XXXX , I was contacted by the dealer requesting I complete a credit authorization form. The dealer stated my credit union required the form to be signed in order to complete the file. The dealer then sent the form to me on  XX/XX/XXXX  for my signature. Once again stating that the form had to be signed in order to fund my loan through my bank. I have a voicemail and emails to confirm this.  <P/> I noticed the evening of  XX/XX/XXXX , a credit pull showed up on my credit report from CredCo. I called CredCo to confirm that in fact the dealer had pulled my credit report.  <P/> Based on my research : Under the Fair Credit Reporting Act, a car dealer may pull your credit -- if you consent by filling out and signing a loan application. However, when paying with cash or prearranged financing, a dealer has no right to coerce you to agree to a credit check by invoking t he USA Patriot Act, the  XX/XX/XXXX  federal  anti-terrorism law.

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 2017-06-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Accounts were opened fraudulently. The following accounts still remain on Experian &  XXXX .   XXXX   XXXX   XXXX  , opened XX/XX/XXXX  &   XXXX   XXXX   XXXX   {$590.00}, opened XX/XX/XXXX . The exact same accounts was on   XXXX   however  XXXX  was able to remove the accounts. All  XXXX  bureaus were sent the exact same information to fix the dispute.

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 2017-06-05
Company: SANTANDER BANCORP
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in Italy with my American military husband. I 'm not working because of this situation. The situation that I have is that in  XXXX  I communicate with the Santander Santander for a lost mitigation why I was left without the income of unemployment to complete the payment of my mortgage. I had the apartment rented. They proposed a shortsales for my tenants. But they did not accept. The difference in the payment of my mortgage with the rent was more than 300 . Plus the condo was asking for a spill for {$1400.00} upgrades. Then the bank proposed to me voluntarily. He asked my husband and mine for statements. Forms, evidence of non-payment student loan and my capitulations to process the grant. I fulfilled all your demands. Then they made me break contract with the tenant. And make them evict the apartment. After the process was completed, I was required to pay attorney fees for the grant. I reminded them that I have no income and that I have capitulations with my husband. Then I demanded original capitulations what I could not send because then I could not recover them. The lawyer who made them no longer lives in PR and can not do anything for me. The bank was harassed because it saw my husband 's income on the statement. I asked them to stop harassing and they closed the case for voluntary giving after I fulfilled all their requirements. They demand the original capitulations. They did not accept their certification or the affidavit that the Italian lawyer offered them. They only want to damage credit.
The tenants moved. The apartment was empty since I do not have the income of them. I have a chapter   XXXX   bankruptcy in  XX/XX/XXXX . The bank hurt my person when what I asked for was help to lower the payment. The keys were sent to the bank by mail in a certified manner   XXXX   XXXX    XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account number  XXXX  Santander Loss Mitigation Specialist Santander Puerto Rico Ave.   XXXX   XXXX     XXXX   XXXX   XXXX  , Puerto Rico  XXXX  Tel :   XXXX   XXXX   XXXX   XXXX   Ext.  XXXX  Fax :   XXXX   XXXX   XXXX   XXXX   e-mail  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 2021-11-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have advised the agency that this debt is in litigation and belongs to the primary XXXX XXXX. I have sent out a letter that I will attach asking that this debt be VALIDATED per letter instructions not VERIFIED. I also made them aware that the primary has documentation from XXXX XXXX that states that can not verify residency during the times that are being reported by NATIONAL CREDIT SYSTEMS which I will also attach. I am demanding that this false reporting stop immediately and be permanently removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: National Credit Systems,Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I'm a regular user of the Amex Rewards program. I have approx XXXX points and had reserved flights with the XXXX XXXX XXXX XXXX for a family vacation. When I attempted to transfer XXXX of my points like I usually do, the action was blocked by Amex. They said that it appeared I was trying to sell my points in violation of the rewards program, despite the fact that I have NEVER transferred my points to anyone but in my name or my wife 's name ( co-account holder ). 

That happened on the XXXX. I have been calling 2x a day or more and finally, after a cumulative 5 hours on the phone ( today is the XXXX ) I was told my account is " under review '' and there is no further appeal nor any other action I can take to prove I wasn't selling my points. Additionally, there was no timeline given for how long this review would take but it was the agent 's guess that it would take 6 weeks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Tuesday  XX/XX/XXXX at  XXXX  two transactions in the amount of {$2600.00} were attempted to be used at a convenience store in New jersey . Citibank contacted me after the second transaction and that was declined due to the report. They then called me to verify if I had the card in my possession I stated no, and they shut down that card. I asked for a provisional credit which they processed and filed my report with them. They also asked me if I was willing to file a police report if needed. I agreed.
<P/>
On  XX/XX/XXXX  I was informed that they found that the transaction was in my normal shopping behavior ( it was not ) and therefore they denied the claim. I requested to reopen the case by ways of an appeal, they said they would reopen the case but they would not credit my account.
<P/>
I then got the following items a police report and a letter from my employer and submitted it to them on  XX/XX/XXXX  stating that this was a fraud transaction and also that I was in another state at the time of the alleged purchase. I was informed on XX/XX/XXXX  that they have not yet reopened the case.
<P/>
Citibank has since sent me 4 letters electronically that they have resolved my problem but nothing has yet been resolved.
I also provided Citibank with the detectives phone number, case number and informed them that they have CCTV footage from the theft that proves it is not me.

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 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over XXXX now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and TransUnion found in my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self

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 2017-06-05
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have been trying to short sale our rental property ( XXXX XXXX XXXX XXXX, CA XXXX ), but XXXX XXXX XXXX will not give us an answer for either approval or denial. We 've have a buyer in place since XX/XX/XXXX and they have already signed 1 extension.
<P/>
We 've submitted all the documents that XXXX XXXX has requested, but they refuse to give us an answer and see to be delaying this transaction for as long as possible. We are at risk of losing our buyer and have the house foreclosed due to their inactivity.
<P/> XXXX XXXX XXXX is the 2nd lender on the house ( HELOC ) and they 've been patient, but time is running out for them, as well.
<P/>
Also, my wife ( XXXX ) and I are going through divorce proceedings and we need this resolved so we can move forward with our lives.
<P/>
I 've attached the relevant documents. My realtor is XXXX XXXX and XXXX XXXX is assisting him. They can be reached at - XXXX - XXXX  XXXX XXXX - 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 2019-12-10
Company: Todd, Bremer & Lawson, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I enrolled for a XXXX XXXX  class at XXXX University to advance my career. My employer at the time had agreed to pay for this course but along the line, before the commencement of the classes, they decided that the class did not align with the company 's need at the time. Unfortunately for my family, at this same time, my sister was going through a rough divorce decided to move in with me to escape domestic violence. In order to ensure she wasn't relying on government handouts/assistance, I had to realign my personal costs and needs to accommodate my sister and her newly born child. 

My experience from attending Ohio XXXX University is that one has to pay for their classes by the first week of class otherwise such person will be automatically dropped from the course. I thought the same applicable to this University. At least so I thought, I believed everything was fine until I received an email from an advisor stating the professor of the course noticed I had not been in class for the first 3 weeks. I sent a reply to the advisor informing her that I could no longer attend the class because I could not afford the cost. The advisor then told me to withdrawal from the class and send an appeal application to the office of registrar for tuition reimbursement. 

I honestly wondered why I needed to appeal for tuition refund for a course I never attended nor paid for. But because the advisor said it was the process with them, I had to follow it and do it. 

I submitted my Withdrawal reimbursement application to XXXX University and never received a response from them. I called several times and sent email but did not receive a response about my appeal. 

One year later, I received a letter from a debt collector called XXXX XXXX  stating I owe XXXX University a sum of about {$2000.00}. I sent all my evidence and communications with XXXX University to XXXX XXXX and they stopped contacting me. 
Now two year later, I received a letter from another collector Todd, Bremer & Lawson , Inc dated XX/XX/XXXX that I owe a total amount of {$4000.00} to XXXX University Tuition & Fee. I believe XXXX University is trying to extort me and I can not allow that to happen. I never attended any class and do not owe any amount to XXXX University. They are trying to switch collectors in an  attempt to scare me into paying what I do not owe to them. The university registrar has never responded to any appeal or emails for the last 3 years. 

This claim with Todd, Bremer & Lawson is under the Account XXXX XXXX. The letter states to notify Todd, Bremer & Lawson , Inc 's office within 30 days of receiving this notice in  order to dispute this debt. I have written and sent a certified mail to Todd, Bremer & Lawson , Inc. informing them that I do not owe any of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was previously deleted from my credit report from two other collection agencies as there was an error and they continue to report it. I do not owe {$350.00} and they are reporting this account was opened on   XXXX   XXXX     which is not true. I have been fighting this for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation