BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a call from an american debt collection agency for a credit card debt I owe in XXXX, which I am paying back quite regularly, according to my financial possibilities. This company wanted to get personal information from me over the phone, like the amounts owed. 
Somehow they were able to pull off some of the credit from XXXX, but I never received any official communication from XXXX that they would transfer the debt in XXXX to this company in USA. I then received so far three letters asking me to repay in one solution a sum that is more than XXXX USD higher than my entire original debt, and it has been more than a year that I have been paying the debt back. As I said, I am currently paying the debt in XXXX and I can prove the transactions made to the creditor company in XXXX. This self-proclaimed debt collecting company, RMS, seems to be a scam because of the grossly wrong amount they are asking me, because I never received any official written communication from XXXX about them taking charge of my debt, because they appear to be unaware of my personal information, except my phone number and home address and some old credit card statements, because their physical address is a P.O. box, and the website they report in the letters they send me did never work at all, showing a blank page with a 404 error and it seems nonexistent. Additionally, googling for their name it comes out that they appear to be a scam organization, and some other consumers reported a companys physical address being in XXXX, while the address in my letters is XXXX, OH. They seem, act and feel like scammers. What can I do to let them stop?

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 2020-05-05
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a friend sent me {$450.00} to send to a bank in California for a collateral payment on a loan she was trying to get for a car. The person said it could only be sent through zelle. My friend sent me the money in XXXX XXXX, I transferred it to my bank account, and sent the money through zelle to XXXX in the total of {$450.00}. On XX/XX/XXXX the person asked for another {$1000.00} to pay for some type of insurance, my friend told the person she was no longer interested in the loan and asked her for her money back. The woman hung up the phone on her and blocked her. I called my bank ( XXXX XXXX XXXX ) they were not able to do anything, and my friend filed a report. I have emailed the person and sent a request through zelle for {$450.00} to get the money back and heard no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Nationwide Credit Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In mid XX/XX/2020 I began a refinance of a property I own in XXXX with Loan Depot The agent who has an office only 4 doors down on the Peninsula of XXXX XXXX was helpful to get the re-finance started. 

Not long after that problems started as they constantly asked the same questions. 

Since then it has been a descending nightmare I know they are busy and " everyone is refinancing '' however it has now been 9 months and this still has not gone through. I have tried to work up to higher management positions, however I am still getting the same run around. Its back and forth with the same documentation and its always " Close to approval ''. 

Now over 9 months of my time wasted with over 400 emails back and forth. 

I can appreciate things are busy, but no one is getting back to me. 

The service is abysmal and they are holding me hostage because of all of the time I've already invested in this process. 

This re-finance is for only XXXX and the property is worth a XXXX. 

It should be a very easy discussion and decision. 

I am desperate for someone to take an hour out of their day and pick up the phone and coordinate this between me and an underwriter. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX could not find the time to pick up the issue and run with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is a complaint on Bank of America 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens.

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different. 

Bank of America must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what their constitutional rights are.

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 2018-03-21
Company: Riverwalk Financial Corporation
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company is claming i owe XXXX dollars for a school loan not paid. 
All the debts were paid to them and dept of edu when money was taken from my tax return. Ive tried several times to fix this with the company, its ruining my credit. 
I never recivied any mail, calls or info about this debt until it appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX had been performing a series of unfair practices strictly regulated by your agency. The most recent one was a NOT authorized hard credit pull on my Equifax on XX/XX/2019. I disputed with Equifax XXXX this info to ask them to show my written authorization which they failed to do so since I DID NOT authorize in any form to XXXX to request a hard copy of my report to Equifax XXXX or XXXX never did that since XXXX also lowered my max amount allowed on credit card ending in # XXXX making to drop my score from the 600 to low 500. XXXX has continually arbitrary practicing this unilateral practices and this one most recent on XX/XX/XXXX pulling credit making to appear a hard inquire instead a soft when they have the authority to do XXXX took the wrong path and with no written or verbal authorization did this inquire that will be -for non sense- in my report for 2 years affecting credit for my future. With the hope XXXX may follow regulations by Consumer Financial Bureau I'm reaching out to you. Looking to solve this issue soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: NPAS, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received call from NPAS from XXXX ( XXXX XXXX XXXX claiming they represent XXXX XXXX   Hospital to collect a medical debt. I ask for verification and validation and attendant became very abusive and interrupting, belligerent behahavior

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 2020-05-12
Company: CITIBANK, N.A.
State: NY
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:
These companies were supposed to do a soft inquiry on my credit and ended up doing a hard inquiry instead.

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 2019-04-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First Federal Credit XXXX XXXX XXXX. # XXXX XXXX, Ohio XXXX These people are debt collectors. I disputed a bill from a XXXX for charges they allege were not included in the payment they received from my insurance company.

I was refused treatment by this provider and they made an insurance claim anyway which was paid and are seeking additional money from me.

The debt collector reported to the credit rating agencies a " debt in collection '' which reduced my credit score by 31 points.

I called the debt collection woman and she said she could do this even if the debt was disputed. That's not my understanding. 

I just kow tow downed to their questionable legal blackmail and paid the {$110.00} to reinstate my good credit rating. 
The creditor they are stating who they are doing the collection process is not the doctor that I saw these people here are not even in the state. They got me confused with someone else and they damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Fairway Capital Recovery, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello : Over 30 days ago I disputed the charge of XXXX placed on my credit report by this agency. They falsified reporting of my debt. They re-aged my debt which is illegal. They reported it to my credit report as if it was a new debt. The original date of delinquency is over 7 years old. Please remove this debt from my report as you have reported this incorrectly and also have not responded to my dispute request in 30 days. 
As you can imagine I will have no choice but to obtain a lawyer who can sort this out if this is not resolved. thanks very much for your time. 

FAIRWAY CAPITAL RECOVERY # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My issue is with TransUnion dropping my score 28 points without proper explanation. I received an updated score today XX/XX/19 and my TransUnion score dropped 28points whereas my XXXX report increased 29 points and my XXXX score also increased. When I asked TransUnion to give me an explanation of the large score discrepancies, they claim it is because I opened a new account and had 1 late payment. The same information is on all 3 reports, yet TransUnion is the only company reporting a low score. Their score 82 points lower than my highest score! It is beyond frustration and unfair that these companies can get away with ruining our lives without explanation or a standard calculation system. I have the right to have a detailed explanation, including specific numbers and how each item on my report is scored. This blind reporting has got to stop.

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 2020-08-25
Company: EQUIFAX, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX -DP OF EDUC Equifax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 am writing to file an official complaint against American Express. On ( XX/XX/XXXX ) at XXXX pm, I received a call from XXXX XXXX of American Express ( XXXX ). In that conversation, I was informed that my personal and business lines of credit were suspended. I have been placed under financial review. 

This call was the first indication that I was under review, and I asked on XXXX separate occasions during the recorded conversation why. On each occasion, I was told unequivocally that information would not be shared with me because it was proprietary information. 

I highlighted that both accounts are in good standing, having a XXXX balance on both accounts. I also pointed out that I have not requested any loans, changes in credit status, or changed anything that should trigger such review action. Furthermore, I have had a stellar relationship with American Express over the last six-plus years. 

I asked " Why haven't I received this in writing and when will written documentation of everything that transpired be provided? XXXX replied the documents have been mailed as well as an email have been sent. I asked her when the letter and email were sent. XXXX replied today XX/XX/XXXX. I asked about the legality of this unwarranted financial review and account suspension without notice. She replied by promising to forward an email copy of the request for documents that she requires that I submit to save my accounts. These include the last XXXX months ' bank statements from the accounts used to pay my credit cards, XXXX months ' payment stubs from my work and she wanted me to declare whether I rent or own my current home. I must note here, none of these documents was mentioned in the request that I just received via email ( see attached ). 

This entire event feels heavily retaliatory based on the complaint currently being reviewed with the Office of the Comptroller of the Currency ( OCC ) about American Express and the company XXXX XXXX XXXX XXXX of which I am the managing XXXX. In that complaint ( Case # XXXX ), American Express has already attempted to mix/cloud my personal information with that of the business. Now again, they are taking unjust actions on my person because they were caught in wrongdoing with my business. 

Please help me understand what law allows them to take such an accusation stance with a long-standing customer, with no warning or communicated justification for their actions. They have already attempted to malign my professional reputation with their shady actions relating to my business, now that I am taking them to task for that, they are attempting the same on a personal level. 

I ask for your intervention in this malicious and vindictive action by this corporate entity against a hardworking minority business owner and upstanding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
This is a complaint on Citibank 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens. 

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different.

Citibank must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what XXXX owners, purchases, sellers and manufactures constitutional rights are.

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 2018-03-24
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this old cable bill was settled with XXXX XXXX before it became XXXX was removed from credit report to reappear 1 year later

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I upgraded to 1st class on an XXXX XXXX flight by taking out a credit card thru Citi Bank. It had two rewards : 1st XXXX $ per ticket XXXX $ in my case since there were two tickets, 2nd if you spend XXXX $ during the first three months and additional XXXX of miles on your American Advantage account I spend the XXXX. I got neither because I had the card before and closed the account within the last 24 months. Citi Bank denied both rewards ... I paid my balance minus the XXXX $ and will not pay because they owe the reward to me. I did not know about their policy, nor was it on any page on the internet. I called them and they informed me that I did not qualify because I had an account previously.

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 2019-03-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/2018 i mailed a check # XXXX in the amount of {$14000.00} to santander consumer usa to satisfy an auto loan. i discovered later that the loan had been satisfied last XXXX. instead of returning my check, it was deposited to XXXX XXXX santander on XX/XX/2018. repeated attempts to get our money returned have been futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Experian Information Solutions Inc.
State: MO
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 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.

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 2018-04-28
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from PENN CREDIT CORPORATION VIA CITY OF XXXX XXXX FOR UTILITY BILL FROM PERIODS OF XX/XX/XXXX - XX/XX/XXXX. TO SUMMARIZE THIS I WAS NO LONGER LIVING AT THIS LOCATION REQUESTED DISCONNECTION BEFORE MOVING AND SIGNED A NEW LEASE ON XX/XX/XXXX. THIS HAS REALLY HURT MY CREDIT AS WELL POSTED A NEGATIVE PUBLIC RECORD ON MY CONSUMER PROFILE. MY IDENTITY HAS BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO WHOM I HAVE NEVER HAD A CONTRACT WITH AND DIDNT AUTHORIZED THEM TO HAVE MY PERSONAL INFORMATION OR TO REPORT ANY FALSE INACCURACIES AGAINST ME. AS A CONSUMER MY RIGHTS HAVE BEEN VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ENCLOSED MY LEASE DATING BACK TO XX/XX/XXXX WHICH PROVES THIS BILL IS NOT MINE. I AM BEING DENIED CREDIT

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