BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been getting XXXX calls and voicemails per day from a debt collection company. I have told them that I am not the associated party and do n't know the associated party and to not contact me again. The calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Back in XXXX, I received a letter that says that I owe XXXX {$3600.00}. The problem is that I never started an account with XXXX, nor had the knowledge of it being in my name. Recently, the false debt has been reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A third party debt collections agency called UCB not on contacted my employer but a family member as well. Judging from what I have researched this is n't technically illegal but contacting an employer could potentially cause me harm at my place of business and contacting family members is a shady way of doing business.

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 2016-04-13
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I keep getting calls at my office desk phone from this company. They are attempting to contact someone else and hang up every time I provide my name. I 've asked multiple times for them to take the number off their dialer as I do not know who they are looking for but I still get calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
In the beginning of XXXX a company by the name of XXXX XXXX  called my mother. My mother told me and I called them back. They wouldnt tell my mom who exactly they were so I called them back to figure out who they were. Just in case they were a doctor or a job. Who knowns. He tell me about some debt that he thinks I owe. I realized what he was trying to do. So I blocked the number. Yet he keeps calling. If he calls again it will be a XXXX dollar fine. The credit companies allowed this people to report false information on my credit report. According to the Fair debt collection / 15 USC 1692 ( D ) consumer law. This is illegal and he has called me over 15 times this is illegal and needs to be removed from my report. Their number is XXXX ( XXXX ) XXXX. I have attached the screenshot evidence below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Rauch-Milliken International, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Our company, XXXX XXXX XXXX XXXX, acquired the assets, but not the liabilities, of XXXX XXXX on XXXX XXXX, XXXX. Early this year, a collection agency, XXXX & XXXX, began aggressively contacting our company regarding a debt from an advertising contract between XXXX XXXX and XXXX XXXX XXXX an advertising company based out of Utah XXXX. On XXXX XXXX, XXXX, we received a letter from XXXX XXXX of XXXX XXXX XXXX demanding that we pay the debt or they would pursue legal action against our company. We informed XXXX XXXX in a letter on XXXX XXXX, XXXX that the contract preceded our acquisition of XXXX XXXX, and since we did not acquire the liabilities of XXXX XXXX, we do not owe any money. However, the harassment continued. 
On XXXX XXXX, XXXX, we received a letter from XXXX Rauch Milliken International , Inc., stating that the account had been referred to them in order to facilitate the appropriate litigation procedures. We responded to XXXX XXXX in a letter on XXXX XXXX, XXXX informing her of the reasons we did not owe the money. We also informed her that if our company continued to be harassed about the debt we would file a complaint with the relevant government agencies for violation of unfair business practice laws. XXXX XXXX responded by sending a letter on XXXX XXXX, XXXX in which she threatened to file suit if the debt was not paid within five days. 
Being that neither collection agency would address the facts of the situation and that they refused to stop harassing our company, we sent a letter to XXXX XXXX in the hope that they would instruct the debt collectors to cease contact. We have yet to receive a response from XXXX XXXX, and the contact has continued. Our company has continually been harassed by these collection agencies despite having no factual basis to do so. None of the companies have addressed our contentions or have been willing to speak with us regarding the factual history of the debt. We have no other option but to solicit your help in resolving this matter and ensuring that these business practices do not continue in the future.

Company response to consumer: Closed
Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited {$1200.00} ( {$1000.00} check and XXXX in cash ) at a JP Morgan Chase ATM on XXXX XXXX in XXXX, OH on XXXX XXXX 2017. The ATM malfunctioned during the deposit and took the cash and check, but was unable to process the transaction. I called Chase on the next business day to try and resolve the situation, they credited me for the transaction and said they would look into it. On XXXX XXXX, they removed the credit without any explanation. I called and was told there was no sign of the cash and check and now they are saying they can not do anything about it. They essentially stole money that I entrusted with them from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX is reporting a dispute that I had already resolved and had taken off of my account in XX/XX/XXXX with Home Depot. 
I do n't know why this is appearing. I am in the process of applying for a mortgage and this needs to be removed as I can not have any open disputes with y mortgage application. 
This Home Depot card has been paid in full and has not been disputed. I do n't know why it has shown up on my report. Please help. thank you.

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 2015-12-03
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I WAS OFFERED ALOAN MODIFICATION BUT IT JUST STATED A PAYMENT .I REQUESTED SPECIFICS SUCH AS AGGRAGATE BALANC EFINANCED, INTREST RATE, BREAKDOWN OF THE PAYMY AS IT RELATES TO ESCROWS AND PRINCIPLE AN INTREST IN WRITING NOTHING HAS BEEN RECEIVED AS A REPLY TO DATE XXXX XXXX AT CITIMORTGE REFUSES IN HIS OBSTNATE WAY TO PROVIDE INFORMATION ON SPECIFICS .HOW CAN CITI EXPECT A BORROWER TO SIGN ON BLINDLY AND MAKE PAYMENT WITHOUT KNOWING SPECIFICS.XXXX XXXX NEEDS TO BE REMOVED FORM XXXX AND SOMEONE WHO OS SERIOUS ABOUT HOMEOWNER PRESERVATION .HE STATED THEIR WAS NO LETTER OF AUTHORIZATION ON FILE WHEN THERE WAS AS IT RELATES TO MY SPUSE SPEAKING ON ACCOUNT .CITIMORTGE IS HINDERING THIS MODIFICATION AND HASTENING FORECLOSURE LIKE THEY ALWAYS WANTED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Informed Citibank that the amount owed on a mortgage second that I did not owe the money stated I owed. Spoke with my mortgage company XXXX last month and informed me Citi had written off my second mortgage per my credit report. Received a letter again from after loan was written off as a bad debit by Citi per my XXXX XXXX. Citi is not using abusive collection practices sharing my information with other collection agencies and I am getting letters of collection for this debit that was written off per my XXXX XXXX. This is unfair collection practice and trickery me and ruining my credit. I have no idea what is going on with my social security number. Citi is sharing my personal information without my permission and trying to defraud me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a hardship with my mortgage and my mortgage is with Citifinancial. They have dragged this process out for 10 months which is unacceptable. I reached out to a housing counseling agency in XXXX. My housing counselor has been working with me from XXXX to present. We are currently in mediation with this lender and just recent they denied for any home retention options. I have been wanting to reconcile my mortgage for months. I have good faith payment of XXXX to help get the mortgage back on track. We have even sent them a proposal but no response from lender. Just recent I got a call from the lender and the rep 's name was XXXX XXXX employ ID # XXXX XXXX OR XXXX. He told me they would accept an offer and to fax proposal to him. I called my housing counselor we faxed the proposal to XXXX and we have not heard from him in weeks and now we cant even locate him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
For nearly 8 years, I worked for Branch Banking and Trust Company, who held the XXXX Mortgage, and a XXXX lien ( Equity Line of Credit ) on my primary residence home. I quit my job with BB & T in XXXX XXXX, and became unable to afford making further payments on the loans. I was divorced from my ex-spouse in XXXX XXXX, and my ex-spouse did not offer any assistance in repaying the loans or settling the outstanding debts. I requested as part of our divorce proceeding that my ex-spouse agree to allow me to market and sell the home ( she moved out in XXXX XXXX ), but she refused to authorize the listing of the home with a Realtor, and she never signed a Separation Agreement. I became delinquent. and then defaulted on the XXXX Mortgage, and the Line of Credit. 
I agreed to deed the house back to BB & T in a Deed in Lieu of Foreclosure transaction, and the deed in lieu was completed in XXXX XXXX. The bank purchased the house for {$430000.00}, and applied the proceeds toward satisfaction of the XXXX Mortgage, which had a balance of {$380000.00}. BB & T sold the home about two months later for {$450000.00}. I believe that BB & T converted the surplus proceeds from the Deed in Lieu to its own use. Nothing I signed contained a waiver of surplus proceeds, and I never agreed to release any claims on the surplus -- I was assured by an Officer of BB & T that the Line of Credit had been charged off due to " lack of equity and accounting standards '' in XXXX XXXX, and the bank officer assured me that the Deed in Lieu of Foreclosure did not need to reference the Line of Credit to insure that the proceeds from the house would satisfy all my accounts at the bank, including the XXXX Mortgage, and the Line of Credit. 
On XXXX XXXX, XXXX, I was served with a lawsuit brought by BB & T on the Line of Credit loan stating that the full amount {$92000.00} was in default and due. But with the credits that should have been applied to my account from the Deed in Lieu of foreclosure, the actual outstanding amount is no more than {$32000.00}, and if the profit from the sale of my home ( an additional {$15000.00}! ) been applied to my account, I would owe no more than {$18000.00}. 
I believe that I was defrauded by BB & T and its officers in the conduct of the Deed in Lieu of Foreclosure transaction, and that I have been damaged by BB & T 's conduct. I do not owe BB & T {$92000.00}, yet they are seeking the full amount from me. I used to work as an attorney for BB & T, and I believe that BB & T is discriminating against me, as compared to similarly situated debtors.

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 2015-05-04
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card
Issue: APR or interest rate

Complaint:
My JCPenney card has a deferred interest balance for window coverings I purchased a few months ago and requires {$25.00} minimum monthly payments. In the previous billing cycle I charged {$9.00} on my JCPenney card and by the due date I paid {$34.00} ( {$9.00} in charges plus $ XXXX monthly payment ) by the due date. My current bill shows a {$2.00} interest charge! It took a XXXX minute phone call to JCPenney to possibly correct this. XXXX representatives, XXXX & XXXX, said I was the problem, that I had not paid enough! Finally, I discerned that all payments go towards the deferred interest charge ( except for XXXX pennies in my case ) and almost nothing was credited to the current charges. This appears to be a scam, a way to charge interest on current charges even when they are paid in full. I was told by XXXX that the only way to be able to pay current charges and not be charged interest is to call every month when I make my payment. Now, considering that it took XXXX minutes to digest all of this, I believe many are being overcharged interest by this devious scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for a AMEX Card on XX/XX/2016, I was notified on XX/XX/XXXX that my application was cancelled reason given- The reason for our decision is that you have reached the maximum number and type of Cards that we will approve within the period of a few months. Please know that your prior application ( s ) has been approved and your Card has been sent to you. 
I never applied before XX/XX/XXXX, I called AMEX and was told they only have XXXX application and it was cancelled. They also informed me that I do not have an AMEX Card. They are not able to tell me why they have stated the above in the letter they sent. They suggested I permit them to " Re-Underwrite '' the cancelled application. I do not understand this approach, as this would negatively impact my Credit Score ( XXXX inquires from AMEX within a week ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a single mother of XXXX boys. I work hard everyday and live paycheck to paycheck and for years, BBT has been charging me with overdraft fees when a deposit or direct deposit has been made. I have been told that all debits come out first before credits and have tried numerous time to have my fees refunded. I have started taking screen shots with my phone to keep check on my account and have taken my phone to show these screen shots of my account to be told that debit comes out first before credits. I have talked to numerous people that bank with BBT as well as comments left online from other people that bank with BBT that they are gouging people with fees. I am at my wits ends and feel so used by my bank institution. Just so sad and disappointing that these banks feel that they can charge fees left and right from working class people who struggle to make ends meet and some of those are single parents.

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 2016-12-05
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
credit collection agency Advance Bureau of Collection has caused a collection to appear on my credit report for no reason, i did not receive any correspondence, letters or calls from this company before this happened. i was notified of this collection on my report by a ID theft monitoring company XXXX which monitors changes to my credit report. The company that submitted this collection action on my report is Advance Bureau of Collection XXXX XXXX XXXX XXXX GA XXXX. I asked the my telephone call to remove it immediately but they said it would not be done at this time and not for 3 months or more. This company stated that a computer error caused the collection to be placed on my XXXX report in error. I talked to XXXX XXXX and a lady named XXXX XXXX to get assistance and they were not willing to write me a letter statement of error or provide me any other paperwork stating it was their error. this company should not be allowed to tarnish my credit score which was XXXX to XXXX before this company took action against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I first was made aware of a debt i owed to AWA collections out of XXXX XXXX California when trying to obtain a home loan in XXXX of 2014. This was originally a XXXX automobile club collection which i have never had XXXX. I disputed it through Experian XXXX XXXX in XXXX of 2014 and again in XXXX of 2014. I first sent a verification and Validation letter certified mail with return receipt in XXXX 2014 and again in XXXX of 2014 with no response to either. I had called XXXX and they have no records of me ever having XXXX and when calling AWA collections they could not confirm i owed the debt but wanted payment from me immediately. I requested original contracts and proof i owed this debt but was given nothing. After several calls and getting no where i am finally formally making a complaint and will go all the way to the attorney general if need be. I am frustrated not only because this is not my debt but because also it affected my rate purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: Green Trust Cash, LLC
State: GA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
i borrowed $ XXXX.which i was thankful forbut wasnt expect the ernomeous feesannual percentage is 668.17 % finance charge is $ XXXX-amount financed is $ XXXXtotal payments is $ XXXXwhich each pay period i 'm only paying $ XXXXto amount financedif i keep going like this i will be put out of my house/ and lose mycar due to the fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We received a correspondence dated XXXX XXXX, 2015 from a XXXX XXXX, stating that she did a thorough review of the alleged " account ''. and it did not show any Loss Mitigation Activity. We immediately responded with a request asking what protocol CitiMortage use to determine Loss Mitigation? Was is in reference to the XXXX XXXX attested documents, or the trust filed with the sec.gov. ( already been satisfied ) Citi is well aware this is being disputed under the FDCPA. They have not answered our questions regarding their determination for Loss Mitigation? 
We will be pursuing remedy in a Court of Law for violations of the FDCPA and Maryland Consumer Protection Act, and criminal conduct. However, Citi should still have to answer our question regarding XXXX XXXX attested documents, or the Trust? 
CitiMortgage legal Counsel, who is also aware this is being disputed, again sent another letter stating that Foreclosure Proceedings were going to start. Even though this is alleged debt is being disputed under the FDCPA. The cat and mouse game is getting really old. 
The psa can be found at www.sec.gov, cik # XXXX, XXXX Series.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have asked Trans union to remove this account for numerous reasons. Number XXXX, my social security is the account number. Number XXXX this same account is listed XXXX times on this credit agency and since XX/XX/XXXX. It needs to be removed. Please help me with this. 

XXXX # XXXX IXXXX XXXX, WI XXXX ( XXXX ) XXXXXXXXDate Opened : XXXX/XXXX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : STUDENT LOANBalance : $ XXXXDate Updated : XXXX/XXXX/XXXXPayment Received : $ XXXXHigh Balance : $ XXXXXXXXPay Status : Current ; Paid or Paying as AgreedTerms : {$140.00} per month, paid MonthlyDate Closed : XXXX/XXXX/XXXX & gt ; Maximum Delinquency of 120 days in XXXX for {$980.00} and in XXXX for {$1000.00} & lt ; Remarks : TRANSFERRED TO ANOTHER OFFICEXXXX have asked for method of verification and never recieved. I will relieve this complaint if they remove this inaccurate entry. They have been very helpful in the past. Please ask them to help with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I would like the words " Account in Dispute '' removed from all accounts on my credit reports from the XXXX credit bureaus where it 's listed. I am not disputing any accounts listed on my credit reports as of this writing.

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