BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted LVNV or Resurgent Capital Services. Whenever I believe I am contacting LVNV who sent me the mailings I am linked to Resurgent Capital Services. 

Today XX/XX/XXXX - I called Resurgent Capital services to try and discuss and settle my accounts. 
1. I was informed that the accounts were now with a servicer - XXXX. 
2. I was provided the number to contact XXXX and also provided with a reference number. 
3. I contacted XXXX verified my identity and then provided the reference number. 
4. I was told by the representative with XXXX that my account was listed with a sub-servicer. 
5. The sub-servicer was XXXX XXXX XXXX and I needed to contact them to discuss the accounts, any payments and possible settlement. 
6. I received just the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and after providing all of my information I was told that they did not have my account. 
7. XXXX XXXX XXXX stated that I must contact XXXX XXXX because they MAY have my account. They provided the number to XXXX XXXX. 
8. I contacted XXXX XXXX, verified my information and was told I did not have an account with them. 
9. XXXX XXXX stated that I needed to contact XXXX again in order to find out who was the sub-servicer on the account. 
10. I called XXXX back, verified my information and provided the reference number. I explained to the representative that I contacted both XXXX XXXX and XXXX XXXX and that both sub servicers stated that they did not have my account. 
11. XXXX then told me that they did not have any further information and would have to email someone within their company in order to find out where my account was located. 
12. I called Resurgent Capital Services back and informed them of what happened. The representative stated that he could not assist. Although Resurgent Capital services OWNS the account, and I have not received any paperwork from any servicers at all that I still owed the debt even though I could not technically pay on it???? 
13. These companies do not appear to have a system in place that allowes me to discuss or even pay my debt. It feels unfair that not only could my accounts not be located but that I couldn't even pay them BUT they are reporting to the credit bureaus. 
14. If I can not pay the accounts because the servicers and sub servicers can not locate the accounts then why are they still reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: LA
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:
I recently received a copy of my ( XXXX, Equifax, XXXX ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numberXXXX SOC SEC ADMIN OFFICE XXXX Account XXXX U S DEPT OF ED/XXXX/XXXX  Account XXXX DEPT OF ED/XXXX/XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX-CP Inquired on Mar 5, 2021 The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened up a bank account a checking account with Citibank. I received a debit card and all is going well. Even set up direct deposit I had over {$2000.00} in my account now Im down to {$300.00} after I receive the direct deposit from my work And their direct deposit went through. My account was closed without my authorization or knowledge and was told that I had to wait XXXX to XXXX business days to receive my funds now every time that I tried to contact them to transfer my phones into a new account or get an update. I am either hung up on Transferred ignored and lied to Since this occurrence, I am not able to open up in a bank account with any other bank because of this I have no money to eat provide my father with rent because of this I have no money for gas to get to work because of this Also, I am not able to log onto my account via app desktop because I dont have my account number. I was never given checks I am unable to see my account number only the last four numbers from 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 monetary relief
Consumer complaint received 2018-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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: Investigation took more than 30 days

Complaint:
I sent a request for debt validation to the creditor, portfolio Recovery on XX/XX/XXXX. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. Portfolio Recovery has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, XXXX and XXXX Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: American International Finance, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX after finishing work I was on my way home, two people stopped me crossing the road and captured my car. 

Tomorrow I will update the dealership on this flight. 

After two days I went to the dealership to collect my car, he refused to give me the car and then sent me my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB. Thank you so much for your help. I'd like to file a complain American Express dispute team. I've filed dispute this summer. Then shockingly merchant responded with complete forgery of consent form with my fake signature that says " I agreed to non-refund policy '' OMG. Hello? anyone can win dispute if card issuer allows merchant to submit 100 % fake document. or American Express do not know what forgery means as a crime?! I submit rebuttal follow up how it's a forged document, provided a " clear '' evidence and my real signature what it should look like from public ID... However dispute team isn't carefully patiently go through and read my submission and responded to me I'm lost over a FAKE document that I didn't even signed for. This is insane. I'm shocked to know American Express is up to support evil criminal! Where is Justice? XXXX I'm with amex 23 years. They don't even keep a record of my real signature to XXXX to match. I had much more expectation to AMEX. so what I'm going to do is to hire. a lawyer and battle at court?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
See document attached

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 2023-11-02
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XXXX I was trying to purchase cryptocurrency on the venmo application. Well trying to purchase some cryptocurrency from Venmo through the Vemo, app I was denied my transaction twice. And after the second time they suspended my account. They said that it was due to suspicious activity initially. I contacted the customer service department and spoke to a representative and tried to figure out what activity was so suspicious that was happening on my account. They could not or would not tell me. I did what they asked me to do in the email which was to send a copy, front and back, of my driver 's license as verification. I have done this every day since then and still nobody has been in contact with me. I talked to a supervisor who couldn't tell me anything except for one of their account specialists had to handle the situation and unsuspend my account. This has caused me great grief because that is my money that I worked hard for. I've had to go hungry for 2 days. And I am highly distraught and upset at this situation. Furthermore, I feel that venmo 's license should be pulled and they should not be able to do any type of business in the state of Ohio let alone in the United States at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: MA
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX, XXXX written permission to furnish these accounts : Accounts : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have been paying citi bank for XXXX or XXXX platinum select card for over XXXX year. when i tried to use some of the benefits today all they did was argue with me a refuse to help. I had called them regarding the citi prefered concerts which is the only reason i pay there crazy yearly fee 's and i was getting an oops error message when i tried to check out. there rep refused to assist me wasted over XXXX minutes of my time and then transfered me to dead air.

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 2019-04-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In the beginning vehicle was leased directly from the dealer in the end of lease it was bought and loan was financed by " Chase Auto finance " XXXX XXXX TX on XXXX XXXX and paid off in XXXX with XXXX balance. My wife was driving this vehicle after paying off this vehicle she bought the new vehicle with the idea to sell the used one. My wife told me she will sell the car because she need some money for to pay off her some personal debt. We have two car garage this used vehicle parked on the drive way ready to sell it but " Chase auto finance '' never sent the title back I called them several time. Few months ago I called the Finance company why didn't they send the Title their answer was we owe them {$580.00}. that's why. " I told them we cleared the balance '' and monthly payment was {$360.00} how it became {$580.00} do you any proof of the written notice for that balance? the agent didn't give proper answer .Car is on the driveway more 5year battery was dead. one day I called the mechanic he started the car and tried put the gear car was not catching the race. He checked that the Transmission it was dead because there was no activity in the engine from such a long time. Car value was XXXX dollar at that time now some body is not paying even $ XXXX XXXX even we can't sell it without Title

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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 have reached out to XXXX  and Equifax asking them to remove an inaccurate account that is not my account. I have also contacted the creditor whereas they have no knowledge of me. I asked both credit bureaus XXXX  and Equifax to provide me proof of verifying and asking where and how did they verify this account and they haven't sent me anything.Its been 120 days now still nothing. Whereas XXXX  removed the account and stated they could not verify. The account listed below is not my account, it needs to be removed off my report. 
OFFICE OF THE ATTY GEN Account Number : XXXX XXXX  and Equifax failed to go by the frca laws and they are demaging my report by reporting false information. I have given then 120 days and they still have yet to obey by the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Had a hard credit check out on my XXXX XXXX account. Someone has applied for a new chase credit card using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2023 at approximately XXXX pm I tried to withdrawal {$200.00} from the atm at Delaware XXXX XXXX from my cashapp card. Cash app completed the transaction and deducted {$200.00} + XXXX fee + XXXX atm fee from my account ; however I received no money from the atm. I immediately contacted the Casino manager who reviewed the ATM and transactions and printed me a transaction sheet to show me that my withdrawal was denied on the Casino ATM 's end. He gave me the sheet for proof and told me to file a regulation E withdrawal error as he's seen this happen before. I immediately contacted cashapp and filed a dispute. They denied my dispute stating that I did not contact them within 3 days after filing the dispute as the reason. This is NOT true. I contacted them every day twice a day. They in turn made me file another dispute canceled that and then made me file another. They basically are cancelling my disputes to keep my {$200.00} plus fees. It is not fair. I just want my {$200.00} plus fees back, as the ATM did not dispense the money and the Casino ATM owner has the transaction as denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
" I have paid off a debt collection account, but it is still being reported on my credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paramount Recovery ( XXXX  ) is attempting to collect a debt from me. They claim that I owe {$1100.00} for an emergency room visit. Originally I agreed to a one time payment of {$210.00} - using my XXXX Credit card, because I believed they were the company that was appearing on my XXXX   credit statement. I reached out to XXXX to confirm, and they could not verify that Paramount Recovery was responsible for any debt belonging to me.

Paramount Recovery is attempting to collect a debt of {$1100.00}, from an emergency room visit to XXXX XXXX XXXX XXXX ( XXXX XXXX ) from XXXX of XXXX. However, I was not seen during that time. I was seen in XXXX of XXXX, and I have paid my debt to XXXX XXXX - verified by Equifax that I owed the debt to XXXX XXXX. 

Once I discovered I did not owe to Paramount Recovery ( XXXX ), I reached out to them and asked for verification letters. I never received them. 

When I did not receive verification, I contacted them again and requested a claim dispute, and a reimbursement of the payment I had made. They said they would reimburse my account and send a dispute claim letter. I have not received a dispute claim letter or a reimbursement. 

On Monday XX/XX/XXXX, Paramount Recovery charged my credit card AGAIN for the amount of {$210.00} - without my consent. When I made my first payment, I gave explicit instructions to contact me prior to any new charges, and I told them I would not be making any more payments without receiving verification of debt letters. 

At this point, they have charged me {$420.00} XXXX only {$210.00} that I consented to - and I have repeatedly asked for a reimbursement on the original charge of {$210.00} - since they have not provided me with a validation of debt owed ). 

I am very worried they will continue to charge my account. The last charge of {$210.00}, which they made XX/XX/XXXX, was made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
- Loan sold to this " collection agency '' ( not mtg holder, collection agency ( - website does not provide this info - requested info on XX/XX/XXXX - info came from unidentified system, to spam filter on XX/XX/XXXX - link expired on XX/XX/XXXX with no portal to retrieve - requested again on XX/XX/XXXX ( told to use website, which is unresponsive, does not work )- have not received info - unable to pay XXXX XXXX through same means as before : site does not load pmt page

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: CA
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:
XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$57.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX  XXXX Balance Owed : {$2300.00} -The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email on XX/XX/2018, inviting me to upgrade from my no-fee Citi Thank You Preferred card to the Citi Thank You Premier Card. The Premier card has a {$95.00} annual fee, but the email stated multiple times that the annual fee would be waived for the first year.

I took advantage of the upgrade offer via Citi 's website. 

On XX/XX/XXXX, I received a letter with the terms & conditions of the Premier card. It stated that I would be billed a {$95.00} annual fee " on the next statement issued after XX/XX/2018 ''. 

I called Customer Service to explain the problem. They told me that the annual fee can not be waived. I explained the email that I received but it did not change their decision. 

I then asked them to switch me back to the no-fee card I had before. They began that process and started reading the terms & conditions. They got to a term that stated that I was required to keep the no-fee Preferred card " in good standing '' for 1 year, and if I did not, that I would be switched back to the $ XXXX/yr Premier card and billed the annual fee. 

I refused to agree to that term, for obvious reasons. They said that if I can't agree to all terms, then they can not switch me back and I will be billed $ XXXX/yr for the Premier card. 

That was the end of the phone call.

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