BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint, is against Chase Bank. On XX/XX/2018 @ XXXX, I deposited {$70.00} into my checking account. However, my monies ( {$70.00} ) for my check # XXXX  in the amount of {$69.00} was " unlawfully '' transferred to another account ( documented as : # XXXX-XXXX XXXX XXXX ) that belongs to another individual ( XXXX ). I was unlawfully assessed, a NSF {$35.00} ( which have caused my account to in the negative ). I have requested, that Chase Bank return my monies to my account and CEASE AND DESIST their illegal withdrawals and transfers of my monies from my account ( to another individual 's account ). My name, is the " only '' name on my checks ( from the day that I opened my account ). As a " qualified individual with XXXX '', I have requested that Chase Bank Representative 's, Managers, Supervisor 's in the collections department and banking return my funds to my account, expeditiously ; however, they have REFUSED! As of today, they are continuing to practice discrimination ( based on continued harassment and retaliation ) @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Diversified consultant is attempting to collect on a debt that was disputed and closed with another company. I 've already filed a claim against this company. The company agreed to delete the collection from all three collections agencies. The company deleted account BUT ADDED it back a few days later for a higher amount.. I do dnt owe Diversified consultant anything the accounts that they are trying to get money on was DISPUTED AND CLOSED.. Diversified consultant and NOT SHOW ME VALIDATIONS OF THE ACCOUNTS.. Diversified consultant bought this old disputed and closed account.
I have not signed anything with this collection company. Diversified h
ave 2 accounts with amounts of {$200.00} and {$290.00}.
Diversified also stated in the claim and letter that they will delete the account from all 3 credit bureaus .. 
I will file a complaint with the BBB asap..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to apparent errors and miscommunication between TD bank departments regarding my mortgage account, the foreclosure on my home was placed on hold XXXX/XXXX/XXXX. I have not heard back from anyone regarding what process was being undertaken or what the plan was going forward with regard to my mortgage. On XXXX/XXXX/XXXX, my wife witnessed an individual taking pictures and investigating my property. When my wife inquired as to what this individual was doing, he apologized and drove away. I contacted TD bank that day and attempted to reach XXXX XXXX and left a message at approximately XXXX XXXX I also called TD bank 's loss mitigation department and was told that as far as they ( the representative ) could see, the foreclosure was still on hold. The representative " instant messaged '' whomever was in charge of my account and I never heard anything back. Photos of the individual and licence plate are available upon written request. My latest bank statement showed some type of legal fee for {$1500.00}. I called TD loss Mitigation on XXXX/XXXX/XXXX. The representative read over a note on the system but could not explain what it meant. An instant message was left for a XXXX XXXX who is now taking over my account. I asked to be transferred to XXXX XXXX and was placed on hold until disconnect at approximately XXXX XXXX. I received a message from XXXX XXXX on XXXX/XXXX/XXXX and called back on XXXX/XXXX/XXXX at approximately XXXX XXXX I was on the phone for approximately 45 minutes DURING MY WORK BREAK and was disconnected. I am fearful that I am re-entering the same disorganized miscommunication/ lack of communication from TD Bank that has led me here in the first place. I work full time and my wife works XXXX full time in order to bounce back from our hardships. We do not have time to go down this same road. I am communicating through CFPB in order to ensure smooth communication and accountability on the part of TD bank. Furthermore, I am concerned that TD Bank has been possibly undertaking duel tracking by placing my foreclosure on hold but still moving forward as possibly evidenced by someone inspecting my property and now engaging legal fees. I would like an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX  ) Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up a bank account on or about XX/XX/XXXX of XXXX shortly after i deposited 2 employment check one in the amount of {$3000.00} and my bf current employment check in the amount of {$490.00}, i had a usps  money order i had purched so i also deposited that in the amount of {$990.00}. i with drew only {$100.00}, and within a day or so i went to the store and my bank card didnt work, so i called down to the bank since the customer service would not speak with me reguarding my own account. I took off work and went into the parlier ca # XXXX office to speak with the mamnager, he told me all my fund were no good and they were bad, i told him impossible because my bf emoyler i just got off the phone, and they are good plus my money order i purchese from the post office myself. He refuse to give me any print out or even the copy of the checks. later on that day i imeditaly started recieving notifacation that my acciunt was fundswere getting withdrew, i tried calling but customer service wouldnt talk to me about my account, yet i keep getting a statement showing funds being removed. how is that if my accountwas locked.. and if my checks were bad then why dont i owe the whole ammont but just {$1200.00}? I know this bank is doing something fraudly and took my hard earned money please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX. There are several inquiries as well that are not mine 1 XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, ,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  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 2017-06-12
Company: Santander Consumer USA Holdings Inc.
State: GA
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 XXXX there was a vehicle loan taken out through Santander USA that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since XXXX when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from Santander USA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that XXXX sent clearing my account.

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 2021-04-08
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I check my credit today at XX/XX/2021 and my credit dropped 80 points. Enhanced recovery company destroyed my credit. I called the company and explain to them that I did not live at the address that they said that the person that had the account. I did not open this account therefore I should not be responsible and my credit should not be destroyed because of somebody else. The person that use my Social Security number needs to be in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Two issues : 1 ) Harrassment after being told to never call my number and add my number to their company do not call list. They've been calling daily or weekly for months. 

2 ) I recived a debt collection notice that included NO debt collection required information, purportedly from " XXXX '', but it appears likely that this is in fact from Portfolio Recovery and not actually related to XXXX at all. Especially since it includes " sale of this account to a third party '' and " do not send payments or correspondence to the above address ''. 

The problem when it happened : I ordered new SIMs for new cell phones online. The system would not allow me to order one for one of the devices, so I called in to add that device. The company could not find the order I had placed online and said it didn't exist. So they opened a new order and added all the devices ( including the one the online system couldn't handle '' ). 

When the order arrived, both sets of sims arrived. I called to activate and discussed the double order, they said to just keep them since they are free anyway and I could otherwise ignore them unless I some day needed extra sims. The SIMs I ordered on the phone worked fine, I used the account for over two years, no problems. But ... 

Then I got a collection notice several weeks later for the unused SIMs. No " invoice ''. No " overdue notice ''. Just straight to collections. I called in and XXXX cancelled the account ( this took OVER two hours! Recorded! ).  Unfortunately, the account rep on the phone didn't XXXX the balance before terminating the account due to a technicality related to a non-existent PIN number ( since there was no account ... no PIN ). I have a recording of this conversation from XX/XX/17, it lasted two hours and involved many bounces, people, and apologies. At the end of the two hour call, he said he'd fix the problem and call me back. But never did. It was never fixed. And I don't have another two hours to invest in NOT getting it fixed again. 

Now it's in collections and Portfolio Recovery refuses to stop calling me. They have called me dozens of times, often with fake caller IDs. They often hang up without talking on fake caller IDs and then call back from a new 800 # ( because I've blocked the previous one ) later and again ignore my " never call this number again, remove me from your calling lists, add me to your do not call list or I will sue you '' statement and just call back either later that day or in a few days from yet another fake number followed by another 800 #. 

Unfortunately I can not upload the audio recording since it's 258M.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collection account from XXXX XXXX on behalf of XXXX appearing on my XXXX and Experian credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.

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 2017-06-12
Company: Consumer Portfolio Services, Inc.
State: MO
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 recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been XXXX  full time in a XXXX  XXXX  for 19 years. I decided to earn my XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX certification. My original loan and XXXX XXXX was with XXXX College, SC. 
I submitted my first PSLF request that got denied based on wrong types of loans about 5 years ago. I had called my loan servicer XXXX XXXX XXXX   multiple times when the PSLF was announced being told by mulitple loan reps that I was on track for the forgiveness and had the correct loan. I was told to keep paying my minimum payment and at the end of 10 years the balance would be forgiven. So I was blatantly lied to. 
Then at the 10 year mark, I submitted the form only to be denied for the wrong loan types. I was then advised to move my loans to FedLoans service. They charged me about {$500.00} to consolidate my loans as well. I paid the consolidation fees and moved my loans. I have now paid on my loans for about 14 years. In the last couple months I found out about the Temporary Forgiveness Program so I was told to resubmit for PSLF and if it was denied I could then apply for the Temporary. The PSLF was denied yet again in XX/XX/2019. When I called to apply for the Temporary I was told yet again that I had the wrong loan types and couldn't even apply for the Temporary Forgiveness Program. 
Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CITIBANK, N.A.
State: MA
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:
I am a victim of identity theft. My mother was the perpetrator of the crime and opened a credit card under my name and built a debt of {$12000.00} with out my consent or knowledge. I have provided substantial evidence to prove that I was not the person t hat engaged in the contract with Citibank. I included a policereport, and FTC report and copies of the credit card application, and IRS tax form, and a letter clearing me of a second credit card (  XXXX  ) that was opened as a result of Identity Theft that has the same information used to open the Citibank credit card. The evidence I includeded proved the fraudulent address, income, and phone number used in the application. Citibank has refused to recognize this case as identity theft. Citibank has yet to clear me of the debt, continues to hold me accountable for the charges that were made as a result of identity theft, has failed to abide by the Fair Credit Reporting Act, and has multiple times sent letters contrary to the statements made by the lead investigator. The investigator told me she 'believed my story, '' yet is still strying to collect.

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 2017-06-11
Company: CITIBANK, N.A.
State: LA
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:
Citi Bank received my formal dispute on  XXXX / XXXX / 17 . I requested validation of this account, as they have a Best Buy credit card reporting as " written off/past due '' under my social security number. CitiBank only responded with a letter stating the account is delinquent {$470.00}, with no other information. Citi Bank also failed to mark my credit report as disputed within thei r 30 allowable days. I then mailed them another letter asking for validation and how they verified the account. I hav e still not gotten a reply from them nor have I received any additional correspondence associated with this account they claim to be mine.

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 2021-11-12
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved into a property and renting a room in XXXX. I signed a release to do a background check on you look for landlord. I moved out in XX/XX/XXXX. The guy that I was renting the room from stayed until XX/XX/XXXX. I get a bill from the landlord stating I owe {$4700.00} for damages and cleaning he sent it to collections and I notify collections that I was not on the lease and I was not responsible for the bill especially not the entire bill. Collections placed it on my credit report with the erroneous information and the entire amount. I want the information my credit report removed and replaced on the correct person credit report

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 2020-04-22
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called, Credit Management.LP at XXXX XXXX XXXX, XXXX XXXX in XXXX Tx, XXXX. Phone number XXXX. I requested my information using my last name and last 4 but they were unable to find me in their system. However, when I provided my full name and full social security they were able to find me but my name was spelled wrong. I told them, they had the wrong person because of the name they listed. They said, the social matches so it has to be you. I told them I never received my dispute letter and the lady said, we already sent it. But how can that be, you do not have the right name. I told them I want to dispute the debt by phone and she said, we dont do that here. I told the lady according to the FCRA you are suppose to dispute the debt, if the consumer said it is error. She told me to go to the website. The FCRA says I can dispute immediately by phone. When I asked about my letter for dispute again, she ignored the question. I reported them to the XXXX XXXX XXXX and they admit in their comments they didnt send me my dispute letter and that it was on its way, after about 120 days latter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief