BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX on or about XX/XX/XXXX. They offered me a " reduced balance opportunity '' for a XXXX  debt. However I contacted XXXX and I do not nor have I have ever had a debt owed to them. I called the number listed on the letter and it just disconnects after being placed on hold. <P/>The date of the letter is XXXX17 The sender is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, WA 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 2017-06-01
Company: Immediate Credit Recovery
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit agency representing United States  XXXX   XXXX   XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Immediate Credit Recovery  Inc  does not have any documentation, they need to remove this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: DHI Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I are interested in buying a newly built home. The builde r is    XXXX   XXXX  .   XXXX   XXXX   will give you a {$5000.00} discount in closing costs, but only if you us e DHI Mortga ge even though they have A BUILDERS INCENTIVE AND CONCESSION ADDENDUM that states you can use any other settlement services provider . DHI Mortg age 's Interest rate is .50 % HIGHER than what I can get from a competing lender.   XXXX   XXXX   will not honor the {$5000.00} discount if we use another lender. The lower interest rate offered by the other lender will save us over {$31000.00} over the life of the loan.   This appears to be a " steering '' practice by the builder. I thought steering was  Illegal?  Now we stand to loose the {$5000.00} discount offered by the builder. Builders should not be allowed to penalize the consumer by simply choosing another lender that is not affiliate d with    XXXX   XXXX  . Why is builders sales rep allowed to stiff arm, steer, and guilt us into using their own lender. This must be stopped!! Any feedback would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX, 15 U.S.SC 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 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 2021-06-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt. 
also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date :XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date : XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX amount :XX/XX/XXXX& {$100.00} date :XX/XX/XXXX & XX/XX/XXXX6.Midland credit every account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX  ) on XX/XX/2017 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I joined a school called XXXX XXXX XXXX and I took a private loan out for the amount of $ XXXX. Before I could finish the program XXXX XXXX XXXX went bankrupt. XXXX XXXX XXXX ( my loan provider and the preferred choice loan for XXXX XXXX XXXX ) went to court in Nevada. The Nevada courts decided that neither one of those two companies were at fault for their fraudulent actions and did n't protect us little people by protecting us against XXXX XXXX XXXX. So basically since I did n't complete the program that was suppose to give me a career, I did n't pay back the loan. I could n't afford to pay {$1400.00} a month on a loan for a certificates I never was able to get and for a job I was never able to get. I should n't be held down by these companies who for some reason have no heart for we the small folks. I did n't pay on these loans and never will ... XXXX XXXX XXXX XXXX dropped off my credit back in XX/XX/XXXX. I lived with bad credit for many years. I have since repaired my credit and had it in the low to mid XXXX 's. On XX/XX/XXXX this year a company called XXXX XXXX XXXX picked up or bought my old out of date student loans and turned it over to a collection agency called Professional Bureau of Collections. PBC has put these old private student loan debts back on my credit by saying it is new and they are also saying I paid on the loan in XX/XX/XXXX which is a lie. I called PBC and told them what they are doing is illegal by saying my old debt is new and the debt had a payment in XX/XX/XXXX. I called XXXX XXXX XXXX but they will not return my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called to get m y Citi Aadvantage card changed to another Citi card. It was very hard to get a human being on the phone so I asked for the cancellation line.  Representative was very unhelpful and rude so I hung up with the intention to call back and speak to someone else. She then closed my account without confirming with me that is what I wanted or reading any disclosures to me. I asked to have account reopened and was told no.

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 2021-11-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Grain Technology, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I withdrew {$1000.00} in XXXX from my Grain credit card. I set my payments up on autopay so I wouldn't have to worry about them because I'm very busy! Well, Grain has a problem with their platform they use to connect their customers bank accounts for autopay. It keeps disconnecting the bank account which caused 3 missed payments. When I checked my bank account and saw that Grain had not been deducting my autopay payments, that's when I reached out to them to find out what was going on. I've tried to call them with no success. I've sent emails and they respond back when they feel like it. They have reported my payments late on my credit report and have messed up my perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Halsted Financial Services, LLC ( T : XXXX ) has been calling me for approximately one month while claiming that I owe them funds on an account, however, as I have explained to them, I was was the victim of the XXXX XXXX XXXX XXXX Data Breach and this account was not mine. To wit, they have not respected this fact even though I have explained it to them. I heretofore request th
at Halsted Financial Services, LLC to CEASE and DESIST all collections activities ( phone calls ) forevermore. Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that 3 Credit Bureaus is lack proper record keeping. The Bureaus are required to verify for themselves but I will go ahead and remind you that this accounts were paid, closed, and no longer active. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove these accounts immediately. 

AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$9100.00} ; AMERICAN EXPRESS XXXX XXXX XXXX, XXXX {$1600.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA mortgage is currently held by BSI Financial Services. We made our payments in XXXX and XXXX but, there was a shortage due too escrow under payment. Instead of making payments and trying work with us, they held the payments, did not apply them in XXXX or XXXX, reported us as late to the credit bureaus and continued to charge late fees and are as of today, XXXX, they are still holding funds, unapplied, to XXXX. We caught up the escrow payment 5-6 days ago, that amount is still unapplied as well!! Need assistance as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of m y Credit repor ts. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B.  Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible

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 2017-06-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a contract on my property since XXXX XXXX 2017 and the bank has yet to consider the offer. They began by telling me that I have to go through the waterfall process and I understood that, I sent them over an opt out letter stating that I do not want to be considered for a loan modification, as I am XXXX XXXX and I do not know where I will be sent to next. Now they continue to harass me for bank statements that I have already provided and I am about to loose my buyer. Please help me to be able to get the short sale on my property done, as I do not know what is going to happen from day to day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  XXXX   XXXX ,    2017 I received a letter ( c opy enclosed ) advising me that m y Sears  Credit Card account had been closed effective  XXXX   XXXX ,    2017. According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned the m who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me  in 3 to 5  business days.     I FEAR THAT TH IS MAY  BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      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 2022-04-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good day sir/madam, My name is XXXX, my Chase Checking Account was hacked on Friday, XX/XX/2022. I received an automated Chase Fraud Alert, and I Declined the transaction. That morning not sure how they did it, but the Hackers took {$1400.00} from my checking account without my Authorization. I've been disputing and fighting this for over 2 months, and Chase is declining my request. I had provided XXXX Gas Receipt, Police Report, and Bank Statements. I can not be in 2 Places at once, I had told them, I was gassing up at XXXX XXXX, NJ ( XXXX ) and the ( 2 ) transactions took place in Chase Branch XXXX XXXX XXXX XXXX NJ ( XXXX or XXXX ), it's a XXXX drive depending on traffic. Supposedly, according to Chase Representative, the transactions were done using Phone Tap feature. I DO NOT have that feature on my phone, I use a physical card, as I mentioned to Chase Claims/Fraud Department . Please review and advise if you can help me out. 
thank you in advance, Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-13
Company: The Bureaus, Inc.
State: IL
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:
This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt.

also violates 15 USC1692 ( e ) 11 Name -The Bureaus amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX  amount : {$220.00} date : XX/XX/XXXX 4XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX  amount :XX/XX/XXXX& {$100.00} date : XX/XX/XXXX & XX/XX/XXXX6.XXXX XXXX  every account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To who it may concern, I was in the citizens bank on XX/XX/2022 approx XXXX in XXXX XXXX  by the rotary. I went to make a deposit to my Non Profit account and also to open another business account under the same non profit. 

This was a simple request that ended up being a complete waste of my time and quite frankly I do believe had I been a XXXX XXXX in a suit this would not have happened. I presented my ID which matched the card with my name and the business name. The staff stated they could not open the account without the correct documentation. The original account was already opened. They had everything they needed. 

They went on to say that they needed something with my actual name on it but what was in the documents didnt include my name. The paperwork may not have included my name on it as it only requires the board members not the executive director in non profit public documentation. The man then proceeded to call the original bank in XXXX, XXXX where I opened the account. That still wasnt good enough. 

At that point, highly frustrated, I then provided XXXX letters documenting that I was in fact the executive director of the non profit that had my name on it. He continued to state that he had to call to get verification. At that point he was on hold for over XXXX min. I was in that bank for over an hour. 

I left, extremely frustrated as none of it made any sense. I was trying to open a second bank account for my business. I have banked with Citizens bank for over XXXX  years. I trusted my Non Profit with them. The only thing that I can conclude here is that because I was a person of XXXX, a XXXX and not in XXXX XXXX, there was some assumption that I was not the executive director. I do a lot for the XXXX XXXX community and it is extremely unfortunate that this incident happened. I will not bank with them anymore and will let my other professional colleagues and friends not to either. 

I will be filing a formal complaint with the department of descrimination and many other sources in regards to this incident. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding LLC, XXXX XXXX XXXX XXXX SC XXXX Has been sending collections notices in the amount of {$540.00} .the collection has been reported as due balance. I don't know this company .this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is continuation of complaints XXXX. 

Received letter from Selene Financial with wrong information of agreement with XXXX XXXX Mortgage Loan of forbearance approved thru month of XX/XX/2021. 

Please see letter to Selene, explaining their errors

Company response to consumer: Closed with explanation