BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I submitted a certified letter to the company on XX/XX/XXXX which was received on XX/XX/XXXX requesting validation of debt which they did not response tracking # XXXX it has now been over 30 days with no response However I did receive a letter that they were updating my address which has nothing to do with my request I did submit a second request on XX/XX/XXXX tracking # XXXX received XXXX for a follow up letter for refusal of validation and this needs to be deleted from all XXXX  credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 non-monetary relief
Consumer complaint received 2020-02-29
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2020 XXXX  report a " hard pull '' from Citibank Na. This  was not initiated by me. I submitted a dispute with XXXX. 

I wrote to Citibank informing them I had not applied for a credit card. No acknowledgement of my letter has been received. 

Today I received notice from XXXX  that a credit card had been opened in my name.

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 2016-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my mortgage. I was told at the closing that the mortgage payment would be higher because my insurance was being escrowed in. I informed the bank that I already have insurance which covers the property which has been prepaid and will last for the next 2 years. They said they would adjust this but have n't and whenever I call them I get an enormous run around. I 'm being charged at least $ 700 monthly for insurance that I already have. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
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:
After reviewing my XXXX  Credit Report my account status displays as closed with an error in number sequencing with late payments the account is satisfied the company stated once paid the tradeline will be removed the update status is XX/XX/2020, according to the FDRA the tradeline is compromising my payment history is reporting illegally compromising my credit score affecting my creditworthiness which interferes with obtaining and establishing ongoing credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: ACS Education Services
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Consumer complaint narrative I received a letter from the XXXX XXXX on XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/ which The company was ACS. Plus ACS did not show up in court in XXXX  for the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. 

Now, 5 years later I get letter from these XXXX XXXX and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them XXXX ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and XXXX isnt named on court papers so they are threatening me and my company. 

What XXXX sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was told I had an inheratance of XXXX XXXX dollars I am the only living relative to XXXX XXXX XXXX XXXX XXXX and I opened these two accounts ... XXXX XXXX XXXX I originally had the XXXX send me XXXX XXXX dollars in account oh non of that yet I tried for 6 months to get the money with calls and XXXX  and also my house being bulldozed I was never gon na be able to get the money I changed my name to XXXX XXXX and since my I'd wasn't valid I couldn't use either name due to social security and so when I finally got the social security numbers figured out I had no clue which social or identity was on the account and so I finally had a phone and a number and time to actually try and was told the XXXX XXXX  actually owns the money if you haven't used it in six months so I started ordering online only to have the XXXX XXXX  stop payments. I went to the original bank but because the person who stole rhe money had the name changed on the account I was unable to receive the moneys I don't have a clue on how to get my money from the XXXX XXXX not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
RE ; Experian Credit Report I have had several Unauthorized Credit inquiries and have contacted Experian and The Creditors Via Phone and US Mail To No Avail they have not corrected the situation and I'm reaching out to get help with this matter. 

Unauthorized Credit Inquiries List Below : XXXX XXXX XXXXl XX/XX/2019 XXXX XXXX/XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX I would Like a Copy of My Authorized OK to Pull my credit. 

Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
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:
After reviewing my XXXX  Credit Report my account status displays as closed with an error in number sequencing with late payments the account is satisfied the company stated once paid the tradeline will be removed the update status is XX/XX/2020, according to the FDRA the tradeline is compromising my payment history is reporting illegally compromising my credit score affecting my creditworthiness which interferes with obtaining and establishing ongoing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It started in mid XX/XX/2021. I man I had been talking to sent me a check. I deposited that check and then he asked me to wire some of the funds to his CPA 's bank. I did. Then the bank took XXXX dollars out of my kids 's accounts to cover that check. They said it was bad. I had no idea. Meanwhile he sends me another check and that one was bad too. I didn't find this out until the money is taken out of my account. I called Huntington bank, they said it was my responsibility to check there account to see if they have the funds. I'm out almost XXXX from this man sending me a couple of checks. I had NO IDEA the checks were bad. I would have never done it. I have the 3rd check in my possession. I am still texting him, hoping to get my kids ' money back. all of our accounts are at same bank and they took the money out of their accounts to cover the check. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Third party debt collector calling my employer repeatedly, has been told not to call again, but continues to call. Also made idle threats to sue me over a small amount that would only go to small claims, directly to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I submitted a XX/XX/XXXX senior citizen exemption application with the XXXX County Assessor. I received a letter from the Assessor dated XX/XX/XXXX indicating that after review, a Certificate of Error was issued and a refund of {$760.00} was to be refunded to XXXX XXXX via the XXXX County Treasurer 's Office. Unfortunately, because our real estate taxes are paid directly  by XXXX XXXX XXXX ( escrowed through our monthly mortgage payments ), the Treasurer 's Office mistakenly sent the refund check to Ocwen, which was received and placed in our escrow account as a " tax credit '' on XX/XX/XXXX. On XX/XX/XXXX, I contact Ocwen and explained to them that the refund was supposed to be sent directly to our address. I was then asked to fax the XX/XX/XXXX letter to Ocwen 's Tax Dept. I sent the fax and requested that the refund be sent to us. On XX/XX/XXXX, I again contacted Ocwen regarding the status of the refund check and was told that the matter " was still under review ''. Agent No. XXXX ( XXXX ) confirmed receipt of the XX/XX/XXXX fax and that our account status had been updated as of XX/XX/XXXX. She asked me to call back in a week for an update. On XX/XX/XXXX, I again contacted Ocwen for an update and spoke with " XXXX '' who indicated that the Escrow Dept. would have to review. I objected and he transferred me to the Escalation Manager ( XXXX ) who indicated that she would " escalate '' the matter and get back to me within 2 days. On XX/XX/XXXX, XXXX called me and informed me that our refund request had been submitted both the Escrow Dept. and the Office of the Ombudsman, and that there was no update as of yet but that she was monitoring the status on a daily basis and would request a update that day. Today, XX/XX/XXXX, I received a call from XXXX ( Escalation Manager ) informing me that an " Escrow Analysis '' had been order and that after consultation between the Escrow Dept., the Tax Dept. and the Office of the Ombudsman, it was determined that beginning with our XX/XX/XXXX, our monthly mortgage payment would be " reduced '' by @ {$64.00} a month for 12 months to " account '' for the {$760.00} tax credit that Ocwen erroneously received. I explicitly stated to her that I was refusing said resolution and again requested a refund of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Western Union is a horrible. This was done via website. I was declined twice for a small amount of about XXXX money transfer united states to vietnam. 1 ) declined using credit card cash advance method. I verify that my cc issuer did not decline this. It was declined after they called me and asked a few personal questions which i answered. 2 ) declined using WU pay. i paid upfront through bill pay service of my bank. After the funds cleared they decide to call me and basically ask the same personal questions. after a 20minute conversation, they decide to decline my transaction. no reason given on both occasions. i will never use western union again and they will always get negative reviews to anyone who will ask my opinion. 1 ) no money could have exchanged hands if these questions were asked during the creation process of this money transfer. 2 ) refund of wu pay takes 7-10 business days and i never received notification of this transaction being declined by phone.. i had to call back and ask. I still have not received notification of transaction being declined. now there is {$300.00} pending 7-10 business days for a transaction that took me 1 business day to clear. I asked why? they mentioned international transaction, which i think is a load of XXXX. the money should not have went so far, only to the bill pay address of a XXXX XXXX XXXX ohio ... and this is an electronic transaction.. bottom line, all of this is a waste of time leaving me the consumer having funds witheld due to westerns union 's erroneous policies. First of all, i did not even know there was an approval process to send my own money to a person i know. Secondly, what was the purpose of asking question and then declining on my behalf??? ridiculous..Now that i know this, i realize how stupid there transfer process is. All of this could have been prevented if the approval process was plainly stated before creating the transfer. In other words, the questions that they asked me, why could n't they ask me before i handed over my credit card and paid via bank bill pay? this is load of XXXX and a huge waste of time. i will find services elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Please reference complaint numbers XXXX and XXXX from XX/XX/2020. 

As of XX/XX/2020, per my local court clerks, this file has not been withdrawn and no " hardship hold '' has been placed on my account. This company stated to CFPB on XX/XX/2020 that a 60-day " hardship hold '' was placed upon my account. There is no hold, they are pursuing legal action, during a national emergency. Scott and Associates have lied to the CFPB, a government agency, and should be held liable. XXXX XXXX XXXX, ( who has not yet even responded to the XX/XX/2020 complaint ), should also be held liable for the actions of their representative party. 

If the CFPB desires me to furnish the recorded telephone call where the Scott and Associates agent says to me that I do not have to respond to the summons of the lawsuit, I will gladly do so. It has already been given to the Attorney General of Texas and the State Bar of Texas. 

I will also begin to visit XXXX XXXXXXXX XXXX social media pages and demand to know why they would decide to file a lawsuit against a person who has continually attempted to get on a hardship payment plan, especially during a national emergency. I will also demand to know why, ( as Scott and Associates stated in the attached letter response ), they would NOT take the file back into their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: States Recovery Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
States Recovery is continuing to charge interest on a debt that was charged off by XXXX XXXX. To this date, I have paid {$1000.00} on a {$3600.00} debt and still owes according to them as of XXXX 2016, {$3200.00}. When I asked for a statement, I was told they do not send any statements and are not required to. States Recovery claims, XXXX XXXX ( Original Creditor ) are the ones who has this information but when I contacted XXXX XXXX, I was told the debt was sold to States Recovery. States Recovery claims collection efforts were instructions from XXXX XXXX and they did not buy the debt. These are deceptive practices, States Recovery are unable to provide me with any kind of information regarding a debt. They are not suppose to impose interest charges on a debt especially if they are unable to provide statements. I have tried to settle this debt but they refused to work with me. They continued to harass me at work, call different branches to find the exact branch I work, even after I told them to stop calling me at work and I have given them my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CITIBANK, N.A.
State: VA
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:
My husband died  in XX/XX/2019 after an XXXX XXXX. He was XXXX years old and a XXXX veteran. 
I called the 800 phone number on his credit card to close the account. I requested that the reward points on the account be awarded to me. I was told that only if I paid the balance on the card would I receive the points. I requested copies of the recent bills to confirm the pending charges. The balance was paid in full. 
I made numerous phone calls over several months to learn the correct process and mailing address to make a claim for the reward points. I received incorrect and conflicting information. One letter was returned undeliverable. 
A few weeks ago, I finally received a form letter indicating that I was never eligible to receive his reward points.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
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:
Under the Fair Credit Reporting Act, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1 and 15 U.S. Code 1681n. I am demanding you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal. 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( Debt Buyer ) -Accounts numbers are not consistent across credit reporting agencies. 
-Willful Noncompliance. 

Disputed Items : 1. XXXX XXXX XXXX XXXX Experian Account XXXX : # XXXX 2. XXXX XXXX  XXXX XXXX XXXX Account XXXX : XXXX 3. Credit Reporting Resource Guidelines Page 10-1 Violation : Accounts that should be removed.

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 2017-11-08
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive returned the owes equipment on XX/XX/17. IC systems keeps calling me to return already returned equipment. I gave them the return receipt info and they still keep calling. Ive also asked them to stop cease and decease contact with me and they co tinie to call. Per my FCRA rights, this is punishable up to XXXX ... any other contact, I will enforce my right up to the entire XXXX $ per contact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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:
THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS WHICH NEED TO BE REMOVED IMMEDIATELY

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