BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
2 Months ago, I checked my credit and found that someone at   XXXX   XXXX   XXXX  ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,   XXXX   XXXX   and SS # to apply for a   XXXX   XXXX   credit card. I immediatly, contacted   XXXX   XXXX   and denied the application was mine and requested a freeze on the fraudulent application. my  credit score wa s effected.

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 2019-12-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was taken over by Carrington Mortgage approximately XX/XX/XXXX. I have had consistent issues regarding payments with this company especially since they do not accept electronic payments like 95 % of all other companies. In XX/XX/XXXX, I processed two payments via my bank 's bill payment system. Since Carrington does not accept electronic payments, they processed checks to be delivered XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, these checks had not cleared my bank account and were not posted to my mortgage account. At that point, I had to get these two mortgage payments process before the end of the month or I would have been 90 days past due. I ended up processing my payment over the phone which included an additional fee by the company. The very next day, both checks cleared my bank although I have a copy the recorded conversation on XX/XX/XXXX in which the agent confirmed that neither check had posted to my account. I was fortunate that my bank worked with me to reverse the fees and insure that I would not be penalized for this but CMS never made any attempt to rectify this situation. I then attempted to have my mortgage payment deducted from my account bi-weekly but CMS set the payment withdrawls on a bi-monthly schedule that rarely coincided with a bi-weekly payment schedule. It has been a real effort in terms of additional fees in order to may my mortgage each month ( I utilize XXXX XXXX ). 

The reason for this complaint is that on XX/XX/XXXX, I signed for two certified letters from CMS dated XX/XX/XXXX titled Notice of Intent to Foreclose. At this point, my XX/XX/XXXX was past due ( but payment was made by XXXX this same day ) but my XX/XX/XXXX payment was still within the grace period. 

I believe that CSM makes it harder to make your payments by not accepting electronic payments similar to payments received by other credit institutions such as credit card and auto finance companies unless you either allow them access to your bank account or pay extra fees to process payments over the phone which again allows the company to charge the consumer extra fees. On a 20-30 year mortgage, those fees are astronomical. 

I also believe that CSM violated federal law by send me two certified Notice to Foreclose letters with the attempt to deceive and intimidate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is in regards remaining account balance for accounts XXXX XXXX XXXX XXXX For total of {$670000.00} The accounts were closed on XX/XX/XXXX and a cashier check ( s ) suppose to be mailed in the next business day with First Class U.S Mail according to the letter from bank of the west. 
I waited until XX/XX/XXXX and still not received any mail from bank of the west, then I called the number XXXX from a previous bank correspondence in order to get an update According to Branch Manager XXXX XXXX, the mail was send with XXXX - tracking number XXXX with four checks total for the above accounts. She mentioned it was sent on XX/XX/XXXX and arrived on XX/XX/XXXX. XXXX But according to security camera installed at my house XXXX driver never made the delivery for that tracking I requested a stop payment to be place on the checks since the mail was lost/stolen. 
I was advised I will get a call back on XX/XX/XXXX but I never did received one. 

I started an investigation request with XXXX  and requesting the driver who suppose " made '' the deliver to assit with locating the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: STERLING JEWELERS, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I walked into a Kay Jewelers to purchase a gift for my daughter. Upon making my selection the representative was trying to sell me on their credit card, given I had a great credit history with them this would only be a " soft pull '' and would not impact my  cre  dit score i n any negative way. I informed him I 'm in the process of purchasing a home and any negative inquiries would reflect bad. The representative talked to the store manager and both assured me its a soft pull. I proceeded with the transaction and within a couple hours I received an email from  XXXX  notifying me of the hard pull. I was furious and complained immediately, and the representatives apologized as they misinformed me and offered me a {$50.00} voucher upon making a {$150.00} purchase to serve as compensation. This clearly did not help. I escalated this further to their customer service management in their call center and they offered me a {$50.00} gift card, which I declined as I 'm not looking for monetary compensation, I 'm looking for this hard inquiry to be removed. Everyone agreed the store is at fault, however they are not willing to correct the error. This is a UDAAP violation at best and potential FCRA violations as they conducted an unfair, deceptive and and misleading practice, which impacted me  ( monetary ) as I  'm trying to purchase a home and now my score has decreased!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX ( XXXX XXXX XXXX ) & Bonniville Collections XX/XX/2018-XX/XX/2018 I am being charged for something my XXXX & my self has paid for in which I did not get the full complete service. It was sent to collections and is gaining interest each month & has ruined my credit. I have put in Multiple Disputes to XXXX as well as XXXX and have been denied even though I show proof and claims from my insurance and bank statements. I have reached out to both XXXX XXXX and bonniville but they still will not give me a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
We applied for home equity loan with  Key Bank  in  XXXX  WA with branch  manager   XXXX   XXXX . Closed on loan on   XXXX   XXXX   with manager. We were offer {$110000.00} but choose to only use {$75000.00} of our equity. The next day   XXXX   XXXX   we received letter from  Key  Bank adding the condition they were going to close our credit cards. I went to the bank and spoke with Mr.  XXXX , stating we like these credit cards with   XXXX   XXXX   XXXX   and had had them since     XXXX   and we were not closing them. He said that was a condition of the loan so we followed the steps layout in documents ( see copy of cancellation and mail receipt ). Adding conditions to a contract after it was signed must be illegal.  Yesterday   XXXX   XXXX  my wife noticed a large payment on her credit card account. When I checked mine there was a {$19000.00} payment and   XXXX   XXXX   XXXX   had closed my credit card. When I went to   XXXX   XXXX   XXXX   they said I could not reopen my credit card because that product was not available anymore. Which is why we refused to close our cards. Some how my old card needs to be reinstated and remove payments to mine and my wife 's card  (  her 's was not closed ). Key bank definitely owes me sometime for wasting all this time from a customer of 30 years. Most documents are not signed as Key bank kept signed copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTION BUREAU OF Fort Walton Beach is attempting to collect a debt that was already paid. The company they are trying to collect the debt from has went out of business and the debt collectors are demanding proof of payment. How can I obtain proof of payment if the company does not exist anymore?

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 2022-04-08
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act Chapter XXXX Bankruptcy Reference # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Had a loan with  Bank of America  for years always on time or late a few days but fell on hardship times they would not take parsial payments or works with us we fell  XXXX  months behind and went to a goverment program to help with payments property unlimited for 3 months now 6 months behind an d bank of america d id not want to work with goverment program after approved for it bank of america said no then loan was sold to another lender who taught us about hardship papers and loan modifications to help us  bank of america never offered us this. then after loan sold still had home equity with bank of america d id not hear from them at all tell foreclosure time i forgot  about home equity thought new mortage company had it but they did not then bank of america could not find info on pay off and loan denided they had it tell cosing date for sell er then they found the loan number but would not release pay off to attorneys or myself or even there own attornies been a night mere so unhelpful and decietful and fustrating.

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 2017-04-20
Company: Southern Auto Finance Co
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
from  XXXX  I have been asking  SAFO for  VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I am constantly being bothered and harassed by a company called  XXXX   XXXX !!!! The guy named  XXXX  called me at work about a debt I know nothing about requesting credit card information. I advised him I could not talk he called my job.     After that I have received calls on my cell phone and I receive at least two emails from them a day. They are being very aggressive and threatening to sue me if I do n't resolve the matter before  XXXX   XXXX .     I have received  36  emails from the following individuals below just in the month of  XXXX  and today is only the  XXXX !!!     I have received emails from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  They also said they are c alled LVNV Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans Union has reported information/ obtained information from companies other than myself without my written consent. No consent is identity theft! 
I did not give Trans Union my written consent to do so. Trans Union is in violation of the USC LAWS listed below. 


Attached are pictures of the items that has been reported without my consent Trans Union please send me a copy of my letter that I handwritten and gave you my permission.

15 U.S. code 1681b 15 U.S. code 1611 18 U.S. code 1028 ( a ) 7.

18 U.S. code 1028 ( a )

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 2021-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I attempted to use my ATM card associated with my savings account at a casino. The transaction was declined. When I got a customer service rep on the phone at Chase, I was told there was a " fraud hold '' on my profile and no one was available in that department to assist. I then went to a local branch and was allowed to withdraw {$300.00} from my checking account. I attempted to call the fraud department the next day.i was on hold for XXXX hours and no one picked up the line. I checked my account activity the next day. My transactions included a {$260.00} non Chase ATM withdrawal. I suspect this is the casino withdrawal I attempted but was denied. So did the ATM state I received money when in actuality I did not? I tried calling again, to dispute the transaction and to see if this has to do with the fraud hold. Again, I was on hold for XXXX hours and no one assisted me. 
I can not file a claim for this transaction. Every CSR I speak with states only a specific department can assist, since it's a fraud hold. But no one answers the phone when I call the department. How are customers supposed to reconcile these issues when there is absolutely no assistance? Why does Chase hold money XXXX but refuse the right to speak with someone about these issues? I want to file a claim regarding the {$260.00} withdrawal and I want the fraud hold gone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21
Company: Rossman & Co & PCB
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a phone call for a collection of a medical bill form 4 years ago. I had never received any communication from the doctor or any collection agency. PCB/Rossman and Company contacted me and I agreed to pay the bill, but I wanted a letter stating that it will not be reported to credit. I also wanted the letter to include the amount and creditor, since I had never received any communication. They agreed to send a letter with the information regarding the bill.  After 2 wee ks, I contacted PCB again. I still had not received the letter. I asked for a supervisor and was put into a voicemail. I never received a call back. I called  2 mo re times requesting a supervisor and was put into  XXXX   XXXX  's voicemail each time. I called again and spoke with someone that spoke with a supervisor named  XXXX . He said he would provide a letter that stated what I requested. Six days later I received a letter that simply stated a  XXXX  % discount, but nothing about not reporting to credit. In the meantime, I have continued to receive calls from them, but never the calls back from a supervisor. One gentleman told me he could n't give me a letter because it was a HIPPAA violation. I have had my mother helping me with this issue and a lady named  XXXX  finally called her back today and said they will not provide a letter stating that it wo n't report to credit ... ..we just need to trust them. My mother works in  XXXX  and explained to her that the credit bureau will not " trust '' me to get something removed from my report. They said that they will remove it ... should something be reported. However, they will not put anything in writing stating that they will remove or not report something. Since my mother works in  XXXX , she knows that they will not just remove something based on a conversation with a collection agent. I need something in writing. We have called and called. We always tell them that we will pay the bill, but we need something in regarding reporting to credit. I am at my wit 's end. I am planning to buy a house in the n ext 6-8  months. I want to resolve this, but I need assurance that this will not hurt me later. I  hope  that you can help navigate through this situation with the collection company. I have never had such a hard time trying to give someone money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/XXXX they issued a provisional credit as I stated and I guess this bank as usual doesnt read things right that in a dispute they sold fake cases I learned that so I didnt open the package I REFUSED the package on XX/XX/XXXX of XXXX. See the tracking number!!! When you refuse through the XXXX they take it back and return back to sender. I am not responsible after refusing the package ( as its not in my position its the XXXX sending it back to the original sender ) if the XXXX delivered it. Upon calling them today they said they did. So I suggest the bank and the merchant deal with that because I returned it!! Its says refused which means I dont even have it in my possession the XXXX sends back to sender when you refuse! The XXXX man said they would only do this if I refused it and did not open it. So I refused it as I will provide the screenshot from the actual XXXX website and it was on its way back. Thus when you refuse a package its returned to sender. If the merchant is that ignorant they should probably call the XXXX and speak with them. I am providing the actual tracking, Barclays response that the merchant is right which is laughable since I never had opened said package it was refused!!, and the mailman scanned it refused so I didnt touch the package. 

I suggest the merchant and Barclays give me the XXXX back as I have the proof attached it was refused by me and back to their state. If I dont see the XXXX youll be hearing from my law firm. You know the one you say you call but you never leave a message but nice try saying you contact people when you clearly dont leave messages for them. 

Last warning Barclay you see it refused and you are blatantly refusing to credit me you instead charged it back on Me. Thats fraud.

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 2021-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Chase Bank is reporting on my Personal Credit Report a Card that is a business account. I am the CEO/Owner of the company yet it is not a personal credit card. I have tried to dispute and reached out yet they have not removed the negative mark of my personal credit allowing it to reflect on the Business Credit. This is Illegal. 

I have know legal binding personal relation to the XXXX XXXX XXXX credit Account. The card that they are reporting on is a Chase closed business account credit card account ending in XXXX Chase XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2019-12-14
Company: Concord Servicing Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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