BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid 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:
On XX/XX/XXXX, I received a text messaging from USPS but it turned out to be a fraud. It said that I have a mail in USPS and they needed to resend the mail. I was waiting for a mail from my company so I didn't specious that was actually a scam. I clicked on the URL in the texting, and entered a USPS-like website to enter my address and credit card information. I didn't know that was a fraud because the web page looked like the same website as the real USPS one. 
On XX/XX/XXXX, I received a text from Discover, which is my credit card company, saying that I had 2 transactions made from XXXX by the fraud. At that moment, I realized that the text I received on XXXX was a fraud. So I called Discover right away to report this fraud and ask them to stop my credit card. Meanwhile, I asked Discover to dispute these 2 fraudulent transactions. 
On XX/XX/XXXX, there were another 2 transactions made from XXXX by the fraud, but I didn't notice because I didn't receive any text notifications from Discover. 
On XX/XX/XXXX, there was another 1 transaction made from XXXX by the fraud, and I called Discover to ask why this was still happening after I made the first call on XX/XX/XXXX. But they mentioned their system was down, so they can't access my account to do any actions. 
On XX/XX/XXXX, I called Discover again, but it was too late to prevent another 2 fraud transactions from happening ( so there were 7 fraud transactions in total ). On this call, they just realized that they didn't cease online payment ( those frauds were done by XXXXXXXX XXXX which wasn't from my device. I only have XXXXXXXX XXXX  ). Due to Discover 's mistake, I lost $ XXXX. 
On XX/XX/XXXX, after 2-month of communication with Discover on those 7 fraud transaction disputes, Discover still considered those fraud transactions valid. However, Discover made really wrong decisions and terrible investigations. First, those fraudulent transactions were made in XXXX, but I had my XXXX traveling document to prove that during those transactions were happening, I was in the USA. Second, the signatures on the receipts that the XXXX merchandise provided were obviously not my signatures. Third, those fraudulent transactions were made by XXXXXXXX XXXX  which wasn't my device ; I always use XXXX XXXX Discover found a specious device but didn't ask me for verification. In sum, those fraudulent transactions were obviously not done by me. I have called Discover lots of times to talk about those disputes and provided my document that was authorized by the US Customs and Border Protection that I was in the US from XX/XX/XXXX to XX/XX/XXXX. 
Because of the disappointing investigation results by Discover and their mistakes, I have to report my case to CFPB to protect my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Colony Brands, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
colonybrands or Swiss Colony Subsidary coXXXX Montgomery Wards I have been charged late fees on payments that were made to the merchant 4 time between XX/XX/2020.XX/XX/2020. 

the merchant and the financial institution were experience errors errors that was causing the payment to decline, However, the merchant was issuing payment confirmations/validating funds. However the error that was being given was an issue for the Merchant and the bank to resolve ( XXXX XXXX  ) After I realized that the payment had not gone through I reissued the payment, after the second failure I contacted the merchant, only to get bounced around for days, I reissued it again and finally, I was given information that led me to understand the error, I have asked the merchant 4 times to contact the bank and requested a refund of the fee. only to be ignored. I have requested a letter detailing the problem, only to be ignored. the error given was XXXX '' However the both addresses are Identical. This is merchant and bank matter. I need THEM to resolve there system issues and clear my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Veros Credit, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt is not mine.

This company has been harassing and reporting negatively on my credit report.

I did not give this company permission to use my social security number or to give it to other third parties.

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 Balance : {$13000.00} ; Medical XXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.

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 2022-04-01
Company: Choice Recovery, Inc.
State: MO
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 was charged a doctors visit from a doctor named XXXX XXXX XXXX. I have mever been to or rendered service from this doctor. That charge was sent to a collections agency named Choice Recovery. Which in turn negatively impacted my credit score. The doctors office stated today XX/XX/22 at XXXX that they have told the collection agency choice recovery that I am not a patient and to remove my information from their collection activities. I have made several disputes online with all three credit reporting bureaus. Choice Recovery is failing to remove the collection account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: MOHELA
State: NE
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:
Applied for SAVE and updated my PSLF payments as instructed in XXXX or XXXX. 

On XX/XX/2023 I received a statement dated XX/XX/2023 with a due date of XX/XX/2023 for {$110.00}. The date of this email violated the 21 day rule as admitted by MOHELA themselves on XX/XX/2023. Nothing in the statement indicated this was under SAVE. 

I have been preparing as much as I can for payments to resume still knowing that I had no idea how much I would be paying come XXXX, so when I received the statement I immediately looked at my XXXX budget to schedule payment. 

However, on XX/XX/2023, I received an email that my account had been placed in administrative forbearance. No reason is given and I have not been able to determine whether that administrative forbearance will count towards PSLF. It absolutely should count since this is MOHELAs mismanagement. 

Finally, when I submitted updated PSLF paperwork it was not to request forgiveness as I dont have 120 payments yet. However, the form should have been processed so as to update the number of qualifying payments I have made. With XXXX, I recertified the number of payments annually. Instead of that number being updated, I received a letter rejecting forgiveness because I hadnt made 120 qualifying payments. How am I supposed to know where I stand and apply for PSLF at the appropriate time if they wont update the numbers when I re-certify my employer? 

MOHELA has had years to prepare for this. YEARS. This is asinine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a NOTICE OF INTENT TO FILE A PETITION FOR XXXX to the XXXX XXXX XXXX XXXX XXXX today, XX/XX/2022 in XXXX regarding this issue for complete failure of corporate controls and complete absence of trustworthy financial information. The people who committed this unthinkable horror should be held responsible as I am careening toward disaster. The failure to give proper notice has put me through XXXX and put me at the risk of harm, destitution and death. This is a file full of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the process by which financial institutions extend their power and ruin people 's lives. I am a XXXX  woman walking. This complaint raises awareness of tactics abusers use against their victims. All I can think of is rage and XXXX  hot anger.I do not feel safe.

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 2021-10-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MD
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:
There is information on my reports which are causing financial harm to me and my family. I have sent disputes to each of the three Credit Bureaus in an attempt to update the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
the company XXXX XXXX and XXXX called me twice before this year around XXXX, i did not get the person name as they asked for woman, however that don't apply to me and told them to remove my number from their list they said they would. today i had a missed call from XXXX when I called back I spoke to XXXX the receptionist as I did not know who called, advise they need to remove number she i cant i am just the receptionist told she works for them take it off. she then transferred and I spoke to a XXXX XXXX and immediately informed to remove my number and have before she we are looking for XXXX is the last i recalled told i have told yall before stop calling here and to remove my number she stated first of all you called me and you need to tone it down, i told her she was rude and i would placing a complaint with attorney general she said ok and then proceeded to hang up, when I hung I saw voicemail ( i don't have personal greeting ) with same number XXXX, hello we have an important message from XXXX XXXX and associates please call XXXX at XXXX extension XXXX thank you ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid 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:
XXXX charged my credit card {$2600.00} on XX/XX/18 for something I DID NOT purchase. When I contacted American Express to dispute the matter they said they would contact XXXX to dispute the charge. American Express is now saying they contacted the merchant who CAN NOT provide ANY proof that it's a legitimate charge and they are going to go ahead and re-post the charge on my account despite it NOT being legitimate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear Sir/Madam, I am writing to express my concerns regarding my experience with Synchrony Bank and Care Credit. Recently, I required a root canal that was not covered by my insurance and I had insufficient funds to pay for it myself. A Care Credit representative assisted me with online signup and I proceeded with the root canal. 

During the sign-up process, the representative informed me that the first 18-24 months would be interest-free, with interest applied afterward. However, I was not informed that accumulated back interest would be applied if the amount was not settled within the interest-free period. When the interest-free period ended, I was left with a balance of approximately {$530.00} on my card. To my surprise, when I checked my balance for the next payment, it had increased to over {$1600.00}. This put me under financial stress and significantly lowered my credit score from the XXXX to the low XXXX. 

I have made several attempts to contact Synchrony Bank to discuss this issue, but I have been met with unhelpful and uncooperative attitudes from both customer care representatives and supervisors. Despite requesting the account 's closure, I continue to receive robocalls and daily emails from Synchrony Bank. 

Had I known about the back interest during the interest-free period, I would not have agreed to the card. I feel that this is a deceptive marketing tactic and poor business handling. I would appreciate any assistance you can provide in resolving this matter. I am willing to continue paying down the balance of the card before they apply all of the back credit. 

Thank you for your attention to this matter.

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 2022-11-18
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company in question ( ncb management incorporated ) has no right to furnish information and isnt legally allowed to do collections in the state of Pennsylvania ; which is a violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: KEYCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is a follow on to XXXX. This matter was closed before resolution was final. You received a response from KeyBank, however, they acknowledge that they owe me a small sum of {$42.00}. However, sense XXXX XXXX I have not recieved the final balance or the copies of my monthly statements which had been requested 5 times. 
The representative from Keybank XXXX XXXX provided her direct contact number if I had any questions. I called XXXX XXXX at XXXX on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time leaving a brief message and requested follow up. 
XXXX XXXX has not responded by phone, email or mail. I have not received all of my funds on my account. Nor have I gotten my statements- which would allow me my right to review all transactions on my account and to assure myself that all stolen funds have been returned. 
The balance of {$42.00} is due to a purchase returned to the XXXX XXXX XXXX. It should not take 2 months to respond to my calls or to release a check- which she acknowledges is due to me. 
The receptionist I spoke with each time express understanding at my frunstration but could only send an email to XXXX XXXX XXXX to no avail. She is never available to take my call and refuses to respond to them. I asked for another representative to speak to and was told I could not. 
Please intervene once again on my behalf to bring this matter to a FINAL resolution. 

I amconfident that had I not involved the CFPB I would not have gotten a response from Keybank at all. Please assist once again to bring this to a final close. 
I am due {$42.00}, monthly statements from XXXX XXXX thru XXXX or what ever month becomes the final closeout month. Because of refunds I do not know if there are anyother transaction amounts due me. I need to see my statements and should not be denied access to my financial records. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: MOHELA
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX  XXXX, XXXX XXXX  XXXX, and MOHELA/XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
I have a charged off account on my credit report from capital one for {$540.00}. I have filed a claim with all 3 credit bureas XXXX, XXXX and XXXX. Stating this account is not mine and that it was fraudelent account. All 3 credit reporting have completely different information on all bureas.Some no payment history. XXXX has different opening date. SO i called capital one and ospoke to a representative and they hung up in my face after being on hold 1 hour. Then i called back to asked for verification of account such as whats the email address on file, what address it went too, what account the payments was made from etc. They did not provide me wiith this information. This company has clearly violated my FCRA rights. This is slander my representation as a human

Company response to consumer: Closed with explanation