BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been a loyal customer of Bank of America for almost 10 years. Bank of America closed my business  checking account on XX/XX/2020. The reason given was for a business decision. I had roughly {$84000.00} in that account. Bank of America is illegally holding my money and stated that it will not be returned in a letter I received on XX/XX/2020. 

The funds that they are holding were dispersed to me from the Small Business Administration ( SBA ). I received a loan from the SBA that I must repay. By Bank of America not returning my funds to me, I can not run my XXXX. I have no cash flow. If I can not run my XXXX, I will not have money to repay my loan. I am extremely concerned why Bank of America closed my account, but I am more concerned that they are refusing to return my funds to me. This seems illegal and I request that these funds be returned to me immediately. I will gladly find another institution to bank with, but Bank of America has stolen my money and they need to return it.

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 2015-05-28
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan with Speedy Cash for {$750.00} in XXXX 2014. The total balance for the loan including interest was for a total of {$920.00}. While I took out a pay day loan, the lanuage on the contract and especially the payment screen on the website made it seem as though I could make montly payments of {$210.00} for 5 months without any repercussions. For the first three months the balance on my loan decreased, reflecting the payments I had made for a total of {$630.00}. However, after making over {$810.00} in payments I found out that I still owed the full balance of the loan because the payments of {$210.00} per month were meant to pay only the interest on the loan and keep it open. Speedy Cash is now charging me {$1000.00}, which is a higher amount than what was originally agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: VW Credit
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I XXXX XXXX hereby disputes the fact that VW Credit Inc still maintains a negative reporting item on my credit report, respectively on XXXX XXXX, XXXX and XXXX collectively. I originally closed on this vehicle loan on XXXX XXXX, XXXX. I was at least 30-days late on XXXX ( XXXX ) different occasions in XXXX. VW Credit Inc. has cut off at least 30 months of my payment history to give the indication that my first late payment was XXXX XXXX. However, the payment history for even that date has been successfully cut off. This process of extending the late payment history is known by the Federal Trade Commission and the Consumer Financial Protection Bureau as re-aging of debt. The account should have become obsolete based upon the 7-year rule of maintaining negative account information back in XXXX. VW Credit Inc. is in strict violation of my Fair Credit Reporting Act rights as well as all FTC and CFPB mandates upholding the 7-year rule. Accordingly, I demand either a complete payment history of the attached account, including copies of all payments, or the deletion of the account completely. I did protest this account with all credit bureaus, and I attach the most recent XXXX XXXX credit report to confirm that the account is still posted with at least 30-months of payment history cut off purposely. I demand this account to be removed immediately and permanently!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am a single mother of 3 and currently XXXX. This mis information on my credit report is greatly hindering me from being able to rent an apartment or buy a house. The below items are fraudulent. In this current economy i am afraid i am going to end up XXXX  if it is not taken care of. I have disputed all the below items already with the credit bureaus. Please help me in getting them takin off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Patient Accounting Service Center
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving ongoing bills from XXXX XXXX Hospital since the beginning of 2019 and most recently I received a notification of collection from ARStrat company. 

I visited this hospital in XXXX of 2019. They were unable to provide me the treatment and while I was in physical distress charged me {$1000.00} for the visit on the spot without billing my insurance company and are sending me additional bill for {$740.00}. I do not owe them anything and if anything they owe me {$1000.00} they wrongfully charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: FC HoldCo LLC
State: NV
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 bought a car in XXXX XXXX. I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX XXXX I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a 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 2015-06-05
Company: California Business Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dispute the validity of this entire debt. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. The XXXX is not bonded in Texas and is acting illegally. They will not send me proof of not being bonded in Texas so I can not send proof to the credit bureaus to remove these charges that I am not liable for. They also will not send me any proof that they have any sort of contract with the hospital that they say I had procedures at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a notification stating my balances has decreased but new collections added. I know that I should not have any new collections so I viewed my Equifax report and noticed that accounts that were dele ted 2  to 3 years ago has reappeared on my credit report. According to the law I suppose to be notified within 5 days of a collection item being placed back on my credit report. I was not and the following accounts were added without prior notification which is agent FCRA. I spoke to  XXXX  at equifax and he refused to help me and I advised him that according to the law that I am sure he is aware of that I suppose to be notified in writing. The following accounts were added without notice and I need them to be removed IMMEDIATELY. I also spoke to  XXXX  which stated she was a supervisor.Spoke with the supervisor and she was not willing to help in anyway and basically told me I was lying about the accounts being removed. She grilled me as to how I received the information and I explained to her I had the information in my files and she stated that they dont have it so how do i.    1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded back and was removed  XXXX   XXXX ,  XXXX  2.  XXXX   XXXX   XXXX    XXXX  was readded back and was deleted   XXXX   XXXX     3  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readed back and was deleted  XXXX   XXXX ,  XXXX  4.  XXXX   XXXX   XXXX    XXXX   XXXX  was readded back and was deleted  XXXX   XXXX ,  XXXX   5.   XXXX   XXXX     XXXX   XXXX  was readded back and was deleted  XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded and was deleted  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of Today, Experian supplied a false creditreport to XXXX XXXX  and XXXX 's falsely claiming I allegedly have many not paid as agreed accounts, severe delinquencies, and accounts I haven't had for decades or which a bank deleted settling a civil complaint of fraud in XXXX XXXX filed by my attorney seven+ years ago. Yet when my report is examined, I have all accounts paisd as agreed, never late on my retail telecom, auto, utility and other accounts. I was only ever able.to see good credit listings. I've written and requested all info on file about me with them, as well as to XXXX and XXXX XXXX, but no additional info or any of a deleterious nature is supplied me. As a result I have been denied {$620000.00} in loans and mortgages.

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 2020-03-20
Company: USCB, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a membership with XXXX  and receive alerts as changes occur on my credit report. I recently received alert that company uscb American had submitted a collection from XXXX XXXX. The collection dated to XX/XX/2018. I moved to Texas  in XX/XX/2018 and did not receive any correspondence that i owed a bill now more than a year later here is a collection appearing on my report that will remain for 7 years, I tried to communicate ith company to see if we could settle on an amount since this is an old bill and i was not aware. I am retired and on a fixed income and cant afford to have an extra expense and the company was unwilling to work with me for a reasonable solution. with the recent outbreak of the corona virus everyone is concerned about their finances. I have worked hard to bring my credit score and remain credit worthy and i am hurt and appalled that this company has submitted this report twice thus causing my score to drop by 54 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against Portfolio Recovery Associates , LLC and XXXX XXXX for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as XXXX XXXX has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. I've never given Portfolio Recovery Associates , LLC my identifying information or XXXX XXXX the permission to share my identifying information. Being that Portfolio Recovery Associates , LLC has my personal information that is in fact Identity theft. Portfolio Recovery Associates stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( XXXX XXXX XXXX and the assigned ( Portfolio Recovery Associates , LLC ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: JPMORGAN CHASE & CO.
State: CA
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 customer service

Complaint:
I received a warning from my credit watch service that Chase has reported me to credit bureaus as being late for payment. When I checked with the credit card company Chase, I was told that I was late making payments and I was 2 months late and they closed my account and reported me. 
I do not use this card and my existing card has expired on XX/XX/2019. I have not received a new card and I haven't used this card long time. I was told by XXXX from Chase Credit Bureau Specialist that the balance is left over balance transfer fee and interest. 
I am a XXXX veteran and during these times it is unbelievable and very selfish for them to report me to agencies for approximately {$100.00}. 
Once again I haven't received a new card when my old one was expired. I haven't received a call or text to tell me I owed money to them and I haven't received anything in writing. They bypassed any means to communicate and resolve the issue but reported me. 
Wouldn't it be reasonable to ask why they did not try to reach me? 
I understand they send statements in emails but I have not received any emails with regards to this situation from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX XXXX XXXX ) credit report . My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am writing this letter to begin the process of filing a formal complaint against Ocwen Mortgage Company contact # XXXX. 
Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX WWW.OCWEN.COM We have been communicating with Ocwen for over 3 years trying to close a short sale which they continue to sabotage. 
XXXX XXXX, XXXX was the scheduled closing date for the short sale and XXXX did not remove the XXXX lien from the title to close the loan. 
XXXX XXXX, XXXX we were scheduled to close and Ocwen again did not remove the XXXX mortgage from the title. Then on XXXX XXXX, XXXX I spoke agent ID XXXX XXXX and he explained that there was an " issue with the title '' and the information that is needed to clarify this will be emailed to me and the broker within 24 to 48 hours. XXXX agent ID XXXX then called again on Thursday XXXX XXXX, XXXX and said the request to send the email was not done ... .then on XXXX XXXX, XXXX spoke to XXXX again and he said he would need to transfer me to XXXX in the research department who then stated that she would need to place on several holds and then came back with the same information that there is " an issue with the title '' and the legal department is now handling this and they will be emailing us instructions within 24 to 48 hours. I am trying to paint a picture of the level of sabotage that is going on to try and prevent the short sale from taking place over the past 3 years. Phone calls and emails similar if not worst to this one has been occurring between myself and Ocwen, Ocwen and the broker and Ocwen and the buyer. We are all ready to close this short sale and they continue to do everything they can to transfer and delay the closing and in the meantime continues to file paperwork to foreclose the home. As the seller of the property I am asking for further assistance in dealing with Ocwen as someone has to be in charge of regulating them so they can not continue to sabotage a short sale by not providing the necessary documentation to close the sale. Ocwen has repeatedly not provided the necessary documents to move forward with the sale. Everyone including the attorney, buyer, broker, agent and myself have always been ready prepared to close this short sale and Ocwen conveniently finds a reason to not provide the documentation which in this case is to remove the XXXX mortgage from the title to close. I was informed by your customer service department to file a separate complaint for each mortgage the second mortgage I am referring to in this complaint will be filed separately. The second mortgage is a HELOC-Home equity line of credit.

Company response to consumer: Closed with explanation