BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector called me on XX/XX/XXXX @ XXXX XXXX  to try to collect a debt that my wife owed. I am not on the account and did not apply for the credit card. My wife applied for the card when we were legally separated. I told the agency this and gave them my wife 's cell phone number to call direct. They confirmed they already had it. I asked them not to call me again because the matter had nothing to do with me. They agreed that this debt was not mine so they would follow up with my wife. I received another call on XX/XX/XXXX @ XXXX XXXX with the same gentlemen asking the same questions. I ask him again to call my wife and take my number off their " list ''. He started to ask harassing questions about whether I followed up with my wife, if I told her to call them, etc. I again asked them not to call my number and confirmed my wife 's number again, then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My fathers location is where my tax form was sent, i wasnt on the property at that time and told him to keep it safe. A tenant living on the property confiscated it. I move back file my taxes and everything seems good, not being very aware of the issue at hand wasnt very careful with personal info and was tricked into releasing certain information. I am new to this please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: DC
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 opened a XXXX XXXX store card in XXXX of XXXX. I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. XXXX XXXX account team did not help me as they kept me reverting back to some collections agencyXXXX XXXX posted many months of late fees on top of the ~ {$110.00}. the late fees added by XXXX, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. XXXX XXXX horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with XXXX XXXX customer service then XXXX XXXX  ( XXXX uses for their store Card ) and spent hundred of hours trying to resolve. XXXX XXXX customer service has been giving me different numbers each time I call. I filed a fraud claim with XXXX XXXX explaining that my card was stolen but no support came in from XXXX XXXX at all. It's XX/XX/XXXX and I still do not have any support. XXXX XXXX customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX XXXX XXXX gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

XXXX has harassed my mentally and physically with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as XXXX XXXX have constantly failed me and I and begging for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a bed from XXXX XXXX & it was finances with XXXX XXXX. The bed did not work out & was returned on XX/XX/2018, and I was told that the loan would be cancelled and my money returned. I called the bank on XX/XX/2018 and was informed a check would be sent out in 5 to7 days. The check did not show up in that time frame, so I called the bank again on XX/XX/2018 and was told that I should receive my check by XX/XX/2018. As of XX/XX/2018 no check. I called the bank on XX/XX/2018 & was told they had record of my previous call but no record of me requesting a refund check. Again I was told they would expedite my check & I should see it in 7 to 10 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 2021-06-09
Company: EQUIFAX, INC.
State: ND
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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: TX
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:
Several disputes have been submitted regarding these accounts since XX/XX/2020. You can not validate a debt without following the proper validation laws. According to FCRA 15 USC 1692g, a debt must be validated within 30 days. Validation of a debt is an assess of action and the debt is not mine and it is not true. Also, according to 15 USC 1681 a ( e ) to validate a debt is to interview family, neighbors and associates of this debt who may have knowledge of this account but specific factual information does can not be mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I ordered a couch and a dining table from Macy 's in XX/XX/2020. I was told it would take 2 months to come in. At the end of XXXX, I called to inquire about an estimated delivery date. I was told that the table had been cancelled. Due to not being notified of this, Macy 's offered me a credit towards the price of the couch. 

When the couch was delivered in XXXX, it arrived in the wrong fabric and color. After >8 phone calls to Macy 's to set up a return on this couch and to get the correct fabric/color ordered on the new couch, I had cumulatively spent over 12 hours on hold. I was told several times that someone would call me back to get the new couch ordered, but on each occasion I never received a call. I finally got a manager who  apologized and offered a discount on the couch for the inconvenience. 

When I received my credit card statement, I was being asked to overpay for the couch and that I would receive a credit in the amount of {$290.00} once the current couch is picked up and the new couch is delivered. The email states : " Thank you for your recent inquiry concerning the merchandise you purchased on sales check number XXXX. This email confirms that we requested an adjustment in the amount of {$290.00} due to the concerns that we discussed. This adjustment will be processed once your merchandise has been delivered and charged to the credit account that you provided. '' However, the sales check which is referenced is for {$1100.00} plus {$100.00} totaling XXXX. However, I was told that the {$290.00} refund would be applied to the current amount owed to Macy 's, which is actually XXXX on my bill. The representative ( XXXX ) told me that I would receive a {$290.00} credit on the XXXX, NOT a {$290.00} credit on the sales check which is for XXXX ( there is a discrepancy between the bill and the sales check because I received a credit on the sales check for the inconvenience of a cancelled table order ). 

This issue needs to be resolved and Macy 's has been unable to correctly resolve this after a cumulative 13 phone calls regarding the billing issue.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX XXXX XXXX 
Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXX  XXXX Account XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions

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 2016-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$490.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX cards, XX/XX/XXXX, XXXX  XXXX  XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file

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 2018-09-11
Company: Veros Credit, LLC
State: FL
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:
XX/XX/XXXX, the vehicle was repossessed. XXXX, I noticed wages being garnished from my check. I, then filed a Head of Household exemption form. In XX/XX/XXXX I received notice to appear before a judge. I appeared in court the Judge granted wages to stop being garnished and return all monies that was taken. And that was final. Also, the are in breach of contract by violating the Arbitation clause. As previously requested they removed account from all credit bureau 's immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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 is missing that should be on the report

Complaint:
I recently applied for a credit card and notice that my XXXX XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.

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 2020-07-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
See attatched # XXXX XX/XX/XXXX Experian Credit Report Dispute RESULTS. Kindly Note The Account Number You Provided DOES NOT MATCH ( ** UNFAIR CREDIT REPORTING BY XXXX should be illegal ) Kindly Note XXXX XXXX XXXX  ( *Partial Acct # XXXX **DATE OPENED XXXX XXXX Listed is Part Of See Attatched VISA/MSTR DEBT XXXX 1099-C CANCELATION OF DEBT XX/XX/XXXX. XXXX CHANGED NUMBERS. 5 years later ALL XXXX MSTR CARDS WERE AUTOMATICALLY TURNED INTO VISA ' s XXXX WITHOUT MY KNOWLEDGE Kindly Note Account CONFIRMS VISA/MSTR DEBT. This debt cancelled XX/XX/XXXX XXXX Five years later I AM HELD LIABLE FOR A VISA end XXXX I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY CREDITCARD WITH XXXX OTHER THAN THE XX/XX/XXXX CANCELED DEBT??? Is This even LEGAL??? Clearly, It is Not Fair.

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 2021-10-08
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the worst time of COVID I paid my mortgage. Recently in XXXX of XXXX I started to fall behind, I finally broke down and requested a forbearance. PHH said 3 months, but gave it for 6 months. Under the CARES ACT I am able to extend for another 6 months if needed and if done by XX/XX/XXXX. I reached out to the mortgage company for help and was denied and extension, I was told the investors havent been paid for 2 years and need to be paid and that is the reason I cant get an extension. I am in the XXXX industry, the industry that was hit the hardest. I work at a XXXX and in a XXXX, I have job security. I am just waiting on the XXXX to open more and add more shifts ; but that can only be done by the department of business regulations , health department, and OSHA. The whole time I could of taken the forbearance like others and went 18 months without paying, but I didnt, I used my unemployment money to pay my mortgage. I finally realized 6 months ago that I needed help, and broke down and used the forbearance, I should not be penalized because I didnt take advantage of the system. Their communication to help me with this process is horrendous! They may have called me from XXXX numbers but I dont answer them because most of the time it is spammers. They never once left me a voicemail asking to help me. The person I spoke to said they cant leave a voicemail unless it says my name or number. When you call my phone, my voicemails says Hi you have reached XXXX. They could of left me a voicemail to get me in touch with the right people to help me. They sent me emails that went to my spam because they used 7 different emails. Customer Care, No Reply, Relationship manager email all these were in reference to my forbearance and it all went to spam. They made sure to send PHH Mortgage mail for my insurance renewal, PHH mortgage for flooding, discounts, feedback. The email I made a VIP so I stay on top of it XXXX XXXX XXXX XXXX they would send me my monthly statement which was last sent XX/XX/XXXX. I have received a few letters which state the forbearance, how much I owe, and if I need more help. I reach out for more help and I get denied. I never took advantage of the situation and didnt use it till I needed it, and now they are taking advantage of me when I need help the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is a rip off. I had nothing but plumbing problems. The thermostat heater went out for 2 days in the middle of the winter period the people that live there are scum bags. The charges that XXXX XXXX is charging everybody is over the limit that there supposed to charge. The maintenance on the property was extremely poor. In I'm not gon na pay this bill to the collection agency because I do not know 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 explanation
Consumer complaint received 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a Capital One credit card for nearly twelve years. From XXXX until last year. I already paid the card off on time or made the minimum monthly payments. Everything was fine, up until XXXX, when my card was hacked and used with fraudulent purposes. This is when you need the most support from a company. I called them up and asked for fraud protection to cover this scam hacking attempt on my card. Instead of helping me, they would not honor their word and protect me. Instead they claimed the fraud was liable on my part, which is absolutely ridiculous. 

Not to mention a complete and total lack of loyalty after being a customer in good standing for well over a decade. Subsequently, they started to accumulate debt on top of the fraudulent debt, they raised the monthly minimum payment to an astronomical amount I could not longer afford. 

Upon calling them for assistance, they consistently were not helpful and did nothing to help me, especially during the worst pandemic in modern history no less. 

In XXXX of last year, they closed down my account errantly and discharged the debt. I then received lawsuit court papers in XXXX of this year out of the blue from a collections agency, posing as a law firm, which you will see right on their letterhead, which in and of itself is fraudulent to pose as a law firm, when in fact you are nothing more than a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
To Whom It May Concern : My family and I travelled to XXXX and made several credit card charges which now appear on our current credit card statement. Prior to our trip, we were advised that Amex does not charge foreign transaction fees. Upon review of our foreign charges, I noticed multiple inconsistencies throughout the statement regarding the way XXXX to USD conversions were processed. My concerns are the lack of consistency when applying the foreign exchange rates. 

On several of the charges, the exchange rates used are higher than published rates I found through various online resources. 

Example 1 : Hotel charge on XX/XX/2018 for XXXX EUR was converted to {$2100.00} using an exchange rate of XXXX. However, published rate online for XX/XX/2018 was XXXX. 

Example 2 : In addition, I made several transactions on XX/XX/2018 and a different conversion rate was applied to 3 of the 4 transactions. The exchange rate published online for XX/XX/2018 was XXXX. However, Amex used conversion rates of : XXXX XXXX XXXX I contacted Amex and was advised that the conversions are made by an Amex subsidiary. I asked if I could file a complaint and have the charges/corresponding exchange rates reviewed. I was advised that there is no process to formally file a complaint or request a review. They could only document and internal note on my account that I called to question the charges and a description of the information I was provided. But again, its not a review just an internal note and no additional action would be taken. I spoke with both a customer service representative as well as a supervisor who essentially said there is no way to dispute the charges as they are what they are.

Company response to consumer: Closed with explanation