BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that Jefferson Capital Systems will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against JCS for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. 4. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from JCS 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by XXXX XXXX XXXX, XXXX. He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or JCS verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with XXXX XXXX XXXX, XXXX. 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) On XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, JCS had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that JCS believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account manager, to discuss a resolution that would be satisfactory to both parties. 

To date, JCS has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, JCS is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the XXXX was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!

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 2016-11-04
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX/XXXX/2016 I was pre approved for a home mortgage ( FHA ) by Sunbelt Lending Services after presenting all requested documentation. So I move throgh with my broker for home inspection, we needed to fix couple things on the desired house as well after inspection and I had to pay for the appraisal. Everything went well, house was fixed, appraisal approved, tittle company with my deposit in approved also the house. So far everything was ok till I received a phone call by the lender saying that his investor was not confortable and he needed at least 25 % or 30 % as down payment. Pre approved loan down payment was 5 %. 
It was told since the begining for the lender that maximum down payment would be 5 % and my biggest concern is that he let me go up to the end, paying off the fixing, inspections and appraisal. It really feels like bait and switch. 
After that I and my broker asked him to send a denial letter accordingly and he would not pick up the phone or reply our emails for 3 days. After that I could get him on the phone and he emailed the denial letter, but only saying that I have not sufficient funds! Which is not true. It occured because he changed his propose after everything. 
So far I expent over {$1900.00} ( inspection, appraisal, fixing, accountinh services ) and still fighting to get my deposit back from the title company. 
Lender said that he would give me what I expent as a credit for an upcoming application. But honestly I will never do it again with this lender and would never recommend their services for anyone. XXXX XXXX XXXX was the loan senior officer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20
Company: DISCOVER BANK
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a Discover credit card holder since 2007. During my entire membership with Discover, I was never late with payments, and always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a month ago, without any notice in advance, Discover closed my account and thereby wiped out my existing cashback rewards of {$300.00}. I contacted the company and demanded for an explanation. However, the only reason I got is " we are no longer able to meet your servicing needs '', and I was told the rewards will be mailed to me in a check. Now, after 6 weeks, I still have n't received any check from Discover regarding my rewards. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX, my husband lost his job and I had to file bankruptcy chapter XXXX. Within that first year, I voluntarily vacated the bankruptcy and made settlements with all my creditors. On XXXX/XXXX/XXXX I received a settlement letter from SST, signed by XXXX XXXX, stating if I paid {$1600.00} by XXXX/XXXX/XXXX, my accounts status would reflect Closed-Settled. 

Since then, neither XXXX, XXXX or XXXX reports, " Closed-Settled. '' I filed several disputes over the years and made numerous calls to correct this error. Just here recently, on XXXX/XXXX/XXXX, I spoke with SST 's operator XXXX and she stated, she was not changing the status and it was going to remain there for the next XXXX years. I called SST back on XXXX/XXXX/XXXX after I located my letter ; again I spoke with XXXX and she refused to even listen to or acknowledge my letter, until I offered to fax it to her. At that point she finally admitted to locating the letter in her system. After several more minutes of speaking with XXXX, I began to feel she was taking this issue personally and was n't going to be of any help. 
Finally, I asked to spoke with a supervisor and XXXX stated, I 'm not connecting you to my supervisor, but I 'll connect you to a supervisor ( unnecessary comment ). Within a few moments, XXXX came to the phone. At first, XXXX was upholding XXXX position until she read the letter for herself. She then informed me, she was going to have XXXX add notes to the account to reflect closed-settled. I informed XXXX, the letter does n't mention " notes '', and this was unacceptable. She read the letter again and agreed to have XXXX update the status of my account with all XXXX agencies by the end of the day. Well, today is XXXX/XXXX/XXXX and the status was updated with XXXX to reflect that I was in Chapter XXXX Bankruptcy-Dismissed, something I never filed. To add insult to injury, comments were posted, " Account paid in full or less than full balance ''. Moreover, my XXXX has n't been updated at all, it still reflects Charge-Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: DISCOVER BANK
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover Card will not close my zero balance accounts. 
Als I am receiving credit card offers at my house, sent to my XXXX XXXX XXXX son. 
I have called many times to stop the mailings but to no fix. 
I even moved, ( my son does n't live with me he is in the armed forces 13 years now ) They followed to my new address when I did. Change of address, just in my name. 
Called son and he says he is also having exact same XXXX. Problems They wo n't close accounts and constantly send credit card offers which he does no want. 
The time period of this is over the last 13 years. I declared bankruptcy during that time and they still send offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like few days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores. I 've spoken to them over the phone and has asked to put my payment on auto withdraw and they assured me that they will fix it but to this date I am getting a pay by mail ( bill ) sent to me. I speak XXXX as my main language. please have them call me with a XXXX speaking representative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America is reporting, or rather holding to what Countrywide previously reported, that I was XXXX days late on paying my mortgage on XXXX different occasions. I have disputed them with the XXXX different credit reporting agencies but BofA, I feel does n't do a proper investigation into the matter and will not take the negative claims off of my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
EXPERIAN HAS NOT UPDATED MY FIRST PREMIER ACCOUNT TO THE STATUS OF PAID COLLECTION OR PAID CHARGE OFF. I AM WORKING HARD TO RESTORE MY CREDIT AND NEED THIS INFORMATION UPDATED IMMEDIATELY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a loan from XXXX Savings from XX/XX/XXXX until XX/XX/XXXX and when I paid it off it was removed from my credit report. I had a long credit history and now it only shows credit for 3 years instead of 13 year. I have contacted XXXX Savings and they have given me a letter that shows it should be on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian 's XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XX/XX/2016 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the 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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2016-03-12
Company: Qualey Law Group, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX hired debt collector to file a law suit against me regarding my credit card debt. The debt Collector got a judgement against me to collect property, wages, bank accounts etc. i became aware of this because my bank funds were gone today XXXX/XXXX/16 The attorney general in XXXX states and XXXX filed a case against XXXX for these unfair practices and won the case last year. The debt collector XXXX hired has n't stopped their unfair collection practices eventhough case against XXXX has been won and XXXX is not abiding by the settlement agreement/order against them as they havent stopped this debt collector. I called the attorney that seized my bank account and they claim to be unaware of the case against XXXX nor to desist collection for XXXX. I told them i was filing a claim at the attorney general because of the lawsuit against XXXX snd the attorneys secretary said to go ahead. 
i have been harrassed by them in numerous ways in the past with phone calls and people waiting for me outside my house during the time i was getting XXXX and had to be XXXX at home. 
The amount claimed due to XXXX was never properly verified by XXXX nor rid XXXX notified me that the debt was being sold. 
I got into a situation of not being able pay XXXX due to their predatory interest increase. I was dealing with battling XXXX, then unemployment and divorce. My home is being foreclosed on too. At some point i remember informing XXXX i was going to file bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into XXXX procedure of removing satisfied judgments. You can see the Plaintiff asked for XXXX Please pay close attention to the document you can clearly see that I only owe {$420.00} that was awarded by the judge to XXXX XXXX Used Cars. Then below you can see my counter payments I made to the bill that was awarded.

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 2016-07-05
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I believe they have someone else info on my acct but there is no way you can TALK to anyone to discuss Their phone system runs you in a 1-2 loop with no other option for discovery of fact.

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 2020-08-18
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: KEYCORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
First Niagara Bank was bought out by Key Bank. 
During the transition some accounts disappeared and such. 
For Me I was locked out of my account for over 40 days and could do nothing about it. 
I visited a branch and was told they would fix it, but did nothing. 
I have been in communication with the executive office and keep getting the run around and now several months later, issue is still yet to be resolved. 
I continue to have my credit damaged because of their failure to correct this error. 
They have waived late fees, but not any interest or doing anything to compensate for the issues arising out of the situation. 
The executive office refers me to the auto loan collections department who on 3 separate occasions have refused to update information that was advised by the executive office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I did not receive a XXXX form for a savings account from Key Bank. I contacted the banks website and received a reply telling me that they had sent XXXX for one of my accounts ( true, I have that ) but had NOT sent the XXXX for my other account. They advised me to go to my local bank to request a duplicate. I went to my local branch XX/XX/2017 to request a duplicate. The bank manager stated that he could not give me a duplicate because Key Bank was behind schedule had not yet made XXXX forms for many accounts including mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
i tried to refinance my mortgage due to separation .i am single and my husband moved away with his girlfriend and not paying a penny toward the mortgage or child support to my XXXX son so i decide to refinance. 
I went to bank and found that he had XXXX other loan with my forge signs and without my knowledge, i want to know how bank did this?

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