BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: Sunset Solutions Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sunset Solutions is repeatedly calling a friend 's number XXXX ( third-party ) regarding an alleged debt. Once he answers the phone there is a recoded message that plays stating I owe an alleged debt and if I do not call back I will be sued. On Tuesday XX/XX/21 I called the number back to find out what the calls were about I spoke with a Mrs. XXXX with the company and advised her I was recording the call as well. When Mrs XXXX asked for my social security number I asked why would I give that when I have no clue why they are calling and proceeded to advise her that the company was in violation of several FAIR DEBT COLLECTION PRACTICE ACT laws, she hung up on me twice after stating that they were not a debt collection agency even after the pre-recorded message states that THIS IS AN ATTEMPT TO COLLECT A DEBT. Initially I was told that the company name was XXXX XXXX XXXX, today XX/XX/21 I was told the company name is Sunset Solutions by a representative named XXXX. XXXX stated that there was a judgement sent to my county by their company on behalf of a company named XXXX XXXX. I have never done business with a company by that name. I have attached photos of calls made to the number listed above. As I am typing my friend called stating they just called again after I called them and asked for them to not call him again. They have never tried to contact me directly. Sunset Solutions is in violation of the following : 15 USC 1692d ( 1 ) 15 USC 1692b ( 1 ), ( 2 ), ( 3 ) 15 USC 1592c

Company response to consumer: Untimely response
Consumer complaint received 2021-10-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Io, Inc.
State: FL
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:
XX/XX/2020 I went to XXXX XXXX. I paid via insurance and supposedly still had a copay although my deductible was reached for the year, my insurance paid all costs. It was sent to collections and I never received any emails, letters or phone calls regarding this collection. When I tried contacting Receivable Management Systems, they did not answer. Their website is a scam, reviews state this is a food restaurant. I have tried disputing this a few times. I would like this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank was offering a promotion of {$300.00} cash to customers who opened a new bank account with a deposit of {$100000.00} for 60 days. I took them up on the offer, and after 60 days, I asked them where is my {$300.00}. A Citibank representative replied that I had to give them 90 days for the cash to appear in my account. On XX/XX/2021 which was 90 days later, I still did not receive the cash that was promised so I called again, and a representative said that she looked into it and would put in a request to expedite my payment. The next day still nothing happened, so I called in again, and a representative said I would get my {$300.00} no later than the following Monday XX/XX/XXXX. Well the following Monday came and went and still no payment. I called again Monday evening but couldnt reach anyone. Then I called again Tuesday, and a representative put me on hold, but then the call was dropped. I had to call back again three more times on Tuesday before I could get someone on the line to investigate my case. Finally a representative said that the funds would be released. I was furious that I had to call and waste so much time and effort to get money that should have been automatically paid to me. I told her that she should offer me compensation for my trouble. She asked me what would I want. I said I wanted the equivalent of a free airline ticket which I thought would be letting them get off lightly since many other banks have offered as much as {$3500.00} in their promotions to get new private client customers. She called me back and said she could offer me {$30.00}. I was absolutely furious when I heard that. She then transferred the call to her boss who was resistant to offering anything at all. I have never been so insulted and XXXX off in my whole life dealing with customer service. The next day they left me a message saying they put {$100.00} in my account as an apology. I still dont think {$100.00} does justice to this wrong. This whole episode proves to me that Citibank lies to its customers. They promise one thing, but unless one is willing to chase down the funds promised, they will renege on the promise. I have no doubt that if I didnt call persistently, I would have never received the {$300.00} owed me for parking my funds there.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : Bankruptcy XXXX XXXX Bankruptcy 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 2023-02-25
Company: RentDebt Automated Collections, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collectora called RENT DEBT AUTOMATED COLLECTIONS contacted me via phone arguing that I owe XXXX from.a debt in XX/XX/2018 because I left the rental unit in XXXX Tennessee before the contract was due. I left because the bathroom did not work. And I have XXXX children that were using the yard to XXXX and XXXX. I wrote letters to the leasing office, but they never responded me back. 
They are damaging my credit score because of that. So, I agreed to pay it in parts. But it is too high. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Genesis FS Card Services, Inc.
State: CO
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:
My wife and I have received numerous phone calls from GenesisFS Card Services over the past XXXX weeks. We blocked them as scam calls. On XXXX XXXX we received a letter dated XXXX XXXX stating that {$780.00} on a Milestone Mastercard Account ending XXXX was outstanding and demanding payment of that amount. Neither my wife nor I have had an account with Milestone Mastercard. WE only have XXXX XXXX issued in early XXXX by Bank XXXX XXXX. 

On checking my credit rating in XXXX XXXX, I find that my excellent XXXX  rating ( last time I looked ) has dropped on XXXX XXXX XXXX and XXXX with XXXX XXXX This unknown-to-us credit card account, which supposedly had a {$300.00} credit limit and a reported balance of {$780.00}, was apparently closed by XXXX XXXX  XXXX on XX/XX/XXXX XXXX for being 30 days late, owing {$89.00}. But the description on XXXX shows payments were supposedly made in XXXX and XXXX. So none of this makes sense, which is hardly surprising since this is a fraudulent attempt to get money from us ; the letter offers many ways to pay by phone or online. That I can ignore. However, it has impacted my credit rating and that is against the law. 

We have searched GenesisFS and see that there are a number of people who have been similarly scammed, but they don't mention credit ratings being impacted. 

I am XXXX XXXX XXXX, XXXX and not well. My wife is dealing with this on our behalf. We hope you can help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A new debt appeared on my credit report by a company Consumer Adjustment Co. I have never engage/approved any account type with this entity. I would like written/documented proof that I approved of this account with wet signature showing I own this account and need original documentation with wet signature showing this entity is the original owner of this debt. 
If proof can not be provided this debt must be removed from my credit report along with any negative entries stemming from this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-07-07
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a call today, purportedly by someone from the XXXX XXXX XXXX  - a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), asking to confirm a purchase of a XXXX XXXX  and XXXX to be sent to an address that I don't have on file. The employee gave me his name and badge number. He claims that I apparently have XXXX XXXX accounts to my name. I confirmed that I didn't make said purchase and that I only have XXXX XXXX account. 

The XXXX employee forwarded the call to the FTC, where I spoke to an XXXX XXXX XXXX, with the Crime and Investigating Department. She gave me her Badge number XXXX XXXX, XXXX XXXX ), her phone number ( XXXX ), a Case ID ( XXXX ) and a File # ( XXXX ). She verified my identity by asking to confirm an old address, the last 4 of my SSN and then gave me a list of banks, to confirm whether or not I had ever had an account with any of them. 

According to XXXX XXXX, the department of the Treasury has at least 10 banks accounts that are attributed to me, totalling a combined amount of {$800000.00} in credit. Since this case involves multiple entities, she forwarded the call onto the DEA for possible investigation into foreign money laundering. 

The DEA person- XXXX XXXX- wanted me to set up a virtual account and liquid any funds over {$1000.00} in each of my bank accounts. Supposedly once I did that and my SSN was unblocked within 24-48 hours, I could get that money back. When I asked for an email confirming all this information, or a website I could go to to review the steps, he got combative with me and told me I didn't have to cooperate with him, but if I didn't, he would have a warrant made out for my arrest and I could expect a sheriff 's deputy and IRS agent at my door within 30 minutes to arrest me, and that I needed to get a good criminal lawyer. 

I bought what the FTC agent said, because there was so much detail and believable language ( case #, badge #, etc. ) But when the DEA " agent '' wanted me to liquidate funds and wouldn't give me any confirming details, then I told him I wouldn't cooperate and he ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Dovenmuehle Mortgage, Inc.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dovenmuehle and XXXX XXXX XXXX XXXX XXXX are engaging in fraud and a scam on me and the VA. I have been trying for close to one year to have them review my documentation for a loss mitigation option. The VA has options available, but every step of the way they obstruct, lie, misplace information and repeatedly request information that has already been sent. I have been submitting my paperwork via email so there is a digital trail to back up my claims ( attached ). I call in to see what documents are needed for review and they tell me and I send them. They gave me a list in mid XXXX, claiming they never received my signed tax returns ( i sent them in XXXX ) so I sent them again. They also wanted the 2023 VA award letter and a one year profit and loss and the XXXX bank statement. All were sent. I have called in three different times to check on the status of my file. Each time the agent has told me that they can see the documents in the system -- -but each time they tell me that the underwriter is still saying the file is incomplete and asking for the same paperwork again. I have sent the same paperwork multiple times to them in this situation, but nothing changes. When I ask to speak to a supervisor there is never one available. The agent verifies that the paperwork was received and they can see it, but nothing changes. I called in today to follow up on the paperwork that I sent late XXXX. I was told last week there were no notes when I called and that the file was dormant even though all documents were received. When I called today I was told there were notes from XX/XX/XXXX stating that I was still missing the documents that I sent on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. These same documents were again verified to be present by the agent I spoke with. 
I believe that Dovenmuehle and XXXX XXXX XXXX XXXX XXXX are intentionally putting up road blocks to obstruct veterans from access to programs they are required to provide. This is fraud and I am working with my Congressman and the VA to launch an investigation into this company. I have the resources to make my mortgage payment, I just need a path forward to deal with the missed payments during the pandemic. they are required to work with me and provide a path forward but this has gone on for close to a year. it is NOT a coincidence. Dovenmuehle is not qualified to service government loans and your office needs to investigate their business and servicing practices. I served my country proudly and when my career dried up due to Covid I started my own XXXX  and now am back on my feet. It is horrifying that this company would treat me like this and I am now suffering health complications as I fall further and further behind because of their lies, fraud and incompence. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a personal check on XX/XX/2023 inside a Chase Bank branch ATM, several business days ago for $ XXXX. 
I have deposited similarly large amounts prior into my account over the years, and have never defaulted nor overdrafted, nor given Chase any reason to suspect the legitimacy or credibility of my account or its transactions. 
A hold has been placed on the funds until ( Chase estimates ) XX/XX/XXXX, even though the check issuer bank ( XXXX ) has already posted and released the funds. 
None of the funds have been made available so far, in direct violation of the fund scheduling per Regulation CC ( 12 CFR 229 ) the Expedited Funds Availability Act. Not even the cursory {$200.00} that is required within 1-2 business days. 
The bank is unable to specifically state what type of hold is on the deposit, nor do they have a compliance officer available for fund deposit concerns. 
The bank claims I waived my rights from the Expedited Funds Availability Act when I opened my checking account. 
The bank wants me to do their job and setup a conference call between Chase and XXXX to address the issue. I do not work for Chase bank. I should not have to do their job to access my money that they are holding hostage, illegally. I should not have to take unpaid time off work to fight to access my money that they are holding interest-free.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses on my credit report that are nonmailable addresses. There should be only one correct addresses as listed below to be listed in credit report. Also where did Experian Agency get the information reported because this would be a violation of The Privacy Act of 1974, ( as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. )

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 2023-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
In XXXX someone opened up a credit card from kohls in my name without my consent. I saw it on my report later that month and tried to dispute it but at first I couldnt bc they also created an XXXX and XXXX account in my name until I was able to call and change the password. I finally was able to dispute but the dispute was completed and its still on my account and they spent {$770.00} on that card. Please remove it from my credit report I have nothing to do with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am complaining about Equifax 's refusal to provide information about why my credit score dropped and how I can restore my old, higher score. I spoke to Equifax on XXXX XXXX, XXXX  as soon as I was notified by XXXX  about the drop in my credit score. 
Both the agent and supervisor I spoke to at Equifax refused to inform me what factor caused my credit score to drop and what actions I might take to restore my credit score to the old higher score. The supervisor told me that only XXXX XXXX  has that information. Only when I asked for contact information for XXXX XXXX, did the supervisor reveal that XXXX XXXX is not a separate company ; it is the model that Equifax uses to calculate credit scores. I feel that the supervisor was being cagey by not telling me originally that XXXX XXXX  is Equifax 's own internal secret model, and that, therefore, the supervisor has no way of telling me, the consumer, how to reverse the drop in my credit score. The supervisor said it could be that my opening a new credit card caused my score to drop and I might be able to figure that out when I get a copy of my credit report. When I asked if it turned out it was the new credit card that caused the drop in my score, could I improve my credit score by closing the new credit card account, the supervisor said he had no way of knowing. In fact, he said, closing the new credit card might cause my credit score to drop further rather than improve. This refusal to give specific information about what made your credit score drop and how ro repair your score is abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: MOHELA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 I applied to the REPAYE payment plan but I still have not heard from MOHELA regarding the status of my application. I have contacted MOHELA requesting information regarding the status of my application but they never responded to my inquiries. Please request MOHELA respond to my inquiries regarding the repayment plan application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation