BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-27
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2016 by Certified mail Southwest Credit Systems, LP ( hereinafter SCS ) was notified that I am disputing that I owe them {$100.00}. As I 'm sure you know they are required by law to validate this alleged debt. They were also noticed that SCS is required by law to mark it disputed within 30 days from delivery of that notice. SCS did not respond to this letter nor did they mark my Credit Reports as " disputed '' within the 30 time period. 

On XXXX/XXXX/2016 by Certified Mail SCS received a second good faith attempt to correct their Administrative blunder advising them that they had failed to validate and failed to mark the alleged debt " disputed '' with the Reporting Agencies. 

On or about XXXX/XXXX/2016 I received a letter from SCS with what appears to be some type of accounting and or statements. Statements or accounting reports DO NOT meet law requirements to validate. Validation, by law, is something with my signature where I would be under some legal or contractual obligation to pay SCS. 

On XXXX/XXXX/2016 I responded to SCS via Certified Mail advising them that they " FAILED '' to validate, SCS also FAILED to mark my Credit Report as disputed and gave notification that because I have exhausted my administrative remedy in this matter that I would be filing a Law Suit against SCS. 

I have kept impeccable records ; I currently have admissible evidence to both ; Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) violations. 
I currently have over {$3000.00} in violations. 

I will be filing a case in Small Claims Court against SCS on or about XX/XX/XXXX and have retained a local Attorney to argue my case. 

Keep in mind this alleged debt is {$100.00} and I have already invested over {$1100.00} to resolve it. 

I did find comfort in my Legal Council advising me that if he did n't WIN I did not have to pay him, he claims it is a slam-dunk AND after checking on other similar cases he will be suing for {$10000.00} which is what Small Claims Courts in XXXX Carolina allow. 

SCS was also advised that once the case has been filed I will no longer communicate or negotiate with them. 

I am reporting this to the Bureau of Consumer Financial Protection as I believe I am duty bound to notify. 

THANK YOU!! 

Respectively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions Inc.
State: TN
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:
The year XXXX of this year where my information was stolen from different sources that uses XXXX and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.

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 2017-10-08
Company: EQUIFAX, INC.
State: TN
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:
The year XXXX of this year where my information was stolen from different sources that uses equifax and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Corpra Care, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, a robo caller voicemail message stating the following : Hello this is an important message for XXXX XXXX not XXXX. This is not a sales or marketing or sales call. Please call us toll free at XXXX when you call, please quote your reference number XXXX Thank you have a nice day. No mention of the collection agency name! 
The collection XXXX is XXXX XXXX XXXX. XXXX is : XXXX XXXX XXXX waited XXXX  years or XXXX XXXX did not send it for collection until XXXX  years later. I did not receive any statements. 
On XX/XX/XXXX, After returning from XXXX XXXX XXXX, I started returning any voicemails I have. I called and got the same lady before stating another statement for payment but did not acknowledging the payment arrangements. 
On XX/XX/XXXX, I receive a call and spoke to the Office Manger ( not sure but think her name is XXXX in the conversation I was told a statement was mailed in XXXX. If I'd received the statement, I would have quickly made arrangement to pay the bill or pay in full. So, she sent one via email then I called to tell them what amount of the payment I could make. She tried to bully me and threaten me with Collection efforts so I told her those tactics would not work. Later we were able to discuss payment arrangement ( she agreed to ) and told me she would notate the account. I am receiving XXXX XXXX which is a fixed income and will not commit to payments I can not pay. well, I had an appointment with XXXX XXXX for my XXXX XXXX XXXX and decided to call first. I spoke with the Front Desk Person, so I explained payment arrangement were made with the Office Manager. She said let me ask the doctor and I was placed on hold over XXXX mins. I felt the long hold was for me to hang up and she knew my appointment was in an hour. In addition, she knew I would not have time to get to the appointment. She says XXXX XXXX said he would not see me without paying {$50.00} that {$10.00} as agree was sent to them. 
I will request XXXX to send that statement to me. However, if there is a charge for the XXXX archive statement, XXXX XXXX 's office will need to pay 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 explanation
Consumer complaint received 2022-01-26
Company: NCB Management Services Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Netspend Corporation
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I received a prepaid small business Master Card debit card in the mail that was unsolicited from NetSpend. I 've never heard of this company and have not applied for a debit/credit card. This company is sending debit cards to people where their identity can be stolen in the future. The card indicated that I needed to activate the debit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2015 I went into a chase branch to open an account. My partner ( a male ) also has chase. We XXXX wanted to have the same banks to allow for easier management. When I tried to open a checking and savings account I was told there was an account already opened up under my name. The rep told me if the account was not mine, which is was not I would have to file through their fraud claims process. Here we are now 7 months later, after chase has put me through hundreds of phone calls to them, endless paper work and documents etc. Chase made this process nothing but easy, all the reps that I would work with at their executive office would never call me back. I would have to call daily and follow up on the account. Finally I got confirmation from Chase bank telling me that they approved my fraud claim and was not liable for anything and non of this would effect me. I was last speaking with a man by the name of XXXX and a woman XXXX XXXX. XXXX XXXX knew my situation and told me once the fraud case was approved in my favor I would be able to open an account. Why would I go threw 7 months of phone calls with Chase and letter and constantly following up with them for no outcome? XXXX XXXX told me once the fraud claim was approved that she would reach out to the chase branch and inform them that it was ok for me to open the account. This was about a month ago. Finally after leaving XXXX about a dozen voicemails I never got a call back. So I went to Chase.com and opened the account online. A few days later chase canceled my account. When I called in to Chase executive offices to find out why after they promised they would open they gave me a whole different story. I called to the main number and spoke with a man named XXXX he told me that XXXX was on leave. He told me that I was a risk to the bank and that the bank did not want to do business with me. I said how is this possible? I said Chase put me threw a difficult fraud claim process over 7 months, Chase told me the account was not mine and confirmed it was opened fraudulently. XXXX could not really answer my question, other than to say that It was Chase 's compliance department that would not let me open the account because I am a risk because someone opened up an account under my name. This makes no sense to me! I have been more than pacitent. It is not apparent to me that my initial concerns of Chase trying to discriminate against me as a XXXX male trying to bank at the same bank as my partner are true. How can I be responsible for an account that someone else opened up under my name. Chase is clearly discriminating against me as a XXXX male. Please see attached paper work for the approval letters.If Chase does n't comply with what they promised I have no choice but to turn to social media and let the world know how Chase treats their XXXX customers. I will reach the TV stations, media XXXX etc.

Company response to consumer: Closed
Consumer complaint received 2017-01-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I purchased a set of luggage from an XXXX vendor. I only received one bag instead of the set I ordered. The luggage company says their policy is pay for return shipping when they make a mistake. However they responded saying I had to pay for the return shipping along with an additional fee. I had used my debit card to make the purchase so I began the process of reversing the charges. I explained the entire situation to my Huntington Bank representative and in the end they denied my claim. Now I own single piece of luggage that sells for {$99.00} for which I have a paid {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated from XXXX College XXXX XX/XX/2004 I had Private Student loans through XXXX, now Navient. Since graduation, I have had BEYOND numerous problems with them. They have withdrawn monies from our bank account without authorization, changed scheduled payment dates/amounts without notice, failed to properly distrubute payments on account to correct loans, and have called us to collect payments earlier than scheduled to get a double payment for that month, then refused to return additional payments. They call my parents who are co-signors on my loans, up to 5 times a day trying to get additional payments, even when there is a automatic scheduled payment pending. I have made payment to account, only to find out 6 months later that they erroneously entered information and thus did not get payment from the bank, then charged me late fees for their error. They REFUSE to let you speak with any kind of supervisor above a manager and they do not return calls when promised. Any arrangements made with XXXX operator, will not be known by other operators from a different call center. It has gotten to a point when any dealings with them are completely unreliable!! My issue is all of the ones listed below on " Dealing with my lender or serivcer!! We have been told there is a penalty and or reported negatively to credit bureaus if loan is paid off early. We have been hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have had my federal student loans in a forebearance status due to financial difficulties. I have explained this to Navient on multiple occasions and asked that my private student loans be offered a forbearance or similar waiver to coincide with my federal loans. I was not offered any assistance or alternatives, but instead told I had to repay my loans despite the hardships I was experiencing. Due to me not being able to pay, my private student loan went into collections, which has made it difficult for me to obtain credit. I am currently in good standing with my federal loans with an approved forbearance status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Mark A. Kirkorsky, PC
State: AZ
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 contacted at least three times by phone by the Law Offices XXXX. Each time I have told the caller that I do not owe this debt. I have never lived in XXXX, AZ and I have never owned a business. In XX/XX/2016, I sent the office a certified letter stating that I do not owe this debt ; requested that they mail me documents about this debt ; disputed the debt ; and to stop all communication with me. This harassment began in XX/XX/2016 and has continued to XX/XX/2016. The caller is XXXX XXXX and his tone is threatening and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am filing a complaint against Citi Mortgage regarding my review for a XXXX loan modification under the HAMP program. I successfully submitted a workout packet to the servicer. I was told repeatedly that I was quote " in review '' and that the file was being reviewed for home retention under the Government program. I am currently in a toxic interest only loan that is going to reset and my mortgage payment is going to skyrocket, making it impossible to keep my home. I finally received a decision and spoke with my single point of contact XXXX XXXX who stated. " Because you are not late XXXX XXXX you been denied a loan modification. I was provided the net present value findings, some of which were not even properly reviewed. They were left blank. I have opened up a dispute with Citi Mortgage and am soliciting an official complaint with the Consumer Federal Protection Bureau. Citi Mortgage is in violation of a Treasury Guideline under the Making Homes Affordable Program. Citi Mortgage egregious behavior is without questions unlawful. I am asking for a proper review and subsequent approval of my loan modification, which will enable me to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Since I have got loans with navient. i have acumilated XXXX in intrest. I have had job the hole time I have been out of college. I did not start making a ok salary till 8 years after being in college. When I was makin XXXX dollars a hour first out of college there was no Income base repayment plan, if I had to pay rent I some times missed a payment. Now I have acumilated so much interest affecting me from being able buy a house navient / XXXX XXXX has made my life difficult for a very hard for me a working citizen When I got the loan for college I was told that college loans are the easiest to repay that is the farthest from the truth. When I was half way done with school I had to take a private loan to finish school or else I would have been kicked out of college.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing statement

Complaint:
I am writing to file a complaint regarding the Bloomingdales American Express credit card, which is issued by Department Stores National Bank and/or Citi N.A. On or about XXXX 2015, Bloomingdales transferred the administrative responsibilities for their American Express product to Citi NA. Since that time, I have been unable to access the website to pay this account in a timely manner. Furthermore, since I no longer receive a paper bill it makes it nearly impossible to pay the bill for this account unless I actually call the Department Stores national Bank customer service line. Bloomingdales has publicly noted that their payment website has been having issues since XXXX 2015 ( see attached email from XXXX XXXX, 2015 ), but has not done anything to remedy the problem in the intervening period ( see attached screenshot from XXXX XXXX, 2015, blocking access to the Department Stores National Bank/Citi website ). It is obvious at this point that the problem goes beyond mere technical problems, and may be an effort by Department Stores National Bank/Citi to increase late fees and other charges by denying consumers timely access to the credit card accounts and statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I opened a best buy citibank credit card recently and before I received the card, I moved. I called them to change my address and even after giving them my ssn and all the information they asked for, they would n't verify my account. 

I gave them the same information that I used to open the account. They made me send a code to a number that belongs to my father to access my account. After changing my address they told me they would send out a new card. I received an email from them today about returned mail. I called them to see if it was returned from the old address or the new. They told me my account was being investigated for fraud and they could n't give me any other information, not even if interest and late fees would be accruing during this time or how long this investigation would take. 

This is unacceptable. This is my account and I have all the information that is legally required to prove my identity. I am worried they will hurt my credit as I can not access my account to make a payment. They would n't allow me to speak to a supervisor, though I asked on XXXX separate calls. Please advise.

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 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is against Bank of America , N.A . as successor by merger to Bank of America , Home Loan Servicing, LP, as successor in interest to Countrywide Home Loans Servicing, LP ( " Bank of America '' ) for numerous violations of 15 USC 1692. Bank of America has violated the Fair Debt Collections Practices Act ( " FDCPA '' ) by among other things, its unlawful collection of debt when it had no contractual authority to do so while falsely purporting itself as " Servicer '' of the Mortgage loan ending in XXXX. Additionally, at least as early as XX/XX/XXXX, the Note and Mortgage the subject of this complaint were rescinded by the Mortgagor pursuant to 12 CFR 1026.23 ( d ). Despite the void status of the Note and Mortgage, Bank of America continued its unlawful collection actions and fraudulently attempted to transfer " servicing rights '' to the Void Mortgage to another company on XX/XX/XXXX 

Although Bank of America will likely attempt to respond to this Complaint by misleadingly stating it is no longer the servicer of the Mortgage the subject of this complaint, this complaint is based on the fact that Bank of America was NEVER the legal servicer of the Mortgage and can provide no evidence to the contrary. 

A CFPB investigation will confirm that Bank of America had no legal contractual right to service the mortgage loan the subject of this Complaint and has concealed this fact for years, now falsely claiming to have transferred said " rights '' it never legally held to another company. In the process, Bank of America made numerous false statements with regard to my Note and Mortgage in the attempt to collect a debt, and attempted to collect an amount not expressly authorized by the agreement creating the debt and permitted by law in violation of the Fair Debt Collections Practices Act, a federal consumer financial protection law. 

Many of the false statements and misrepresentations are outlined in the full Complaint with supporting documents attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation