BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do have credit cards. 
I do have credit cards with Comenity bank. 
i recently changed phones/phone carriers which made all my blocked numbers go away. 
Suddenly I am receiving multiple phone calls from this number for a XXXX. 

I am not XXXX. However when I call in they use it as a way to get to me. When I say my name is XXXX, they say ... oh well we have to read you this stuff ... Well how can we know its XXXX XXXX unless we record you and you verify? 

I never said I was XXXX XXXX. 

It was the bait and switch tactic. I am tired of companies doing stuff like this. Its unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A woman approached me on XXXX on XX/XX/XXXX under the name of XXXX XXXX. She offered me money in exchange to be her friend and talk to her. She promised XXXX a week, but said she was going to send XXXX and that I should send the rest to a charity of her choosing. I go the XXXX deposited in my account and sent the XXXX before I was warned of the fraud possibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request

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 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is in reference to my original complaint regarding our Capital One credit card that was closed in error by Capital One. Please refer to our original complaint cfpb XXXX dated XX/XX/XXXX. 

We first contacted Capital One about their error on XX/XX/XXXX. On XX/XX/XXXX, we received a letter requesting a street address for my wife. We contacted Capital One on XX/XX/XXXX, and provided the street address. On XX/XX/XXXX, Captial One provided two new credit cards as promised with a XX/XX/XXXX expiration date. On XX/XX/XXXX, we were notified that our credit card account had been closed because we did n't provide the information that was requested ( we did by phone on XX/XX/XXXX ). 

After dealing with an estimated 19 to 25 representatives from XX/XX/XXXX, to XX/XX/XXXX, nothing has been accomplished with one exception. We got a call from XXXX ( employee #  XXXX ) at Capital One 's corporate office on XX/XX/XXXX, and he acknowledged to us on the phone that Capital One had made an error which was responsible for the cancelling of our account. I asked XXXX for a letter from Capital One to confirm that their error was responsible for the cancellation of our credit card account ( open since XX/XX/XXXX ). On XX/XX/XXXX, XXXX said he would see if a letter could be sent to us acknowledging their mistake. He also said we could reapply for an account. We said we did n't want to reapply for an account, just have the old account reopened. XXXX said that they do n't send out letters regarding mistakes until the account has been reopened. It we reapply for the account, and for whatever reason the account is not reopened, they do n't send out a letter acknowledging their mistake. It 's now been 3 weeks since we last heard from XXXX at the Capital One Executive Offices. 

In a nutshell, we 're done. We will not conduct business with an organization that has sloppy record keeping, poorly trained customer service reps, dishonest customer service reps, offer unprofessional treatment to long term customers and have absolutely no sense of urgency. Fortunately, we have other long term credit card accounts and we will remain faithful to those companies. As for Capital One, we 're done playing this endless, fruitless game of nonsense. We are no longer interested in doing business with this unprofessional banking organization. 

I would suggest that people who are thinking about doing business with Capital One, think twice. We 'll never go back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX confirmed a {$11000.00} overdue balance ( >120days ) from a Bank of America card fraudulently in my name. This has massive affected my credit and inability to open a new XXXX premier international credit card. I have NEVER done any business with Bank of America. Never visited any BOA branch, opened a BOA credit card, BOA debit card, or BOA bank account. I received a letter several months ago from BOA about an outstanding account. I called them to refute, spoke to a verified representative who said I did NOT have an account with them and to disregard the letter. This is Fraud, clearly. This is extremely distressing. The only banks I have used in the past few years are XXXX, XXXX, XXXX online, and recently XXXX. I do a lot online so assume someone stole my identity. I have no outstanding debts, no loans, no mortgages, and all credit cards on auto debit. I would not have defaulted on any payments. I know nothing about Bank of America and need this wiped from my credit immediately. I have also reported this to my brother, who is a business lawyer. XXXX said the last four digits of the account # is : XXXX. I have no other information since I never dealt with Bank of America.

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 2017-07-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On   XXXX   XXXX  ,2017 I called the customer line of   XXXX   XXXX   to pay-off my balance ( {$160.00} ) and close the account. The payment went through and I then proceeded to close out my account that had a {$0.00} balance.
I later received a bill with a late fee and charges after the balance was {$0.00}.
I called   XXXX   XXXX   and they said I had accumulated a late fee 2 days prior to me calling in. At no time did the representative tell me there may be additional charges on a {$0.00} balance.
My appeal is based on inaccurate information given over the phone by the   XXXX   XXXX   representative. If I ca n't call in to get accurate information on my account then who do you call? If you listen to the taped conversation you will hear there is no reference to addtional charges in the future ...
Thank you for your help ... .  .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: ACIMA CREDIT, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Acima credit XXXX  XXXX  on XX/XX/XXXX reported {$1600.00} balance on my credit report, dispute was filed yr XXXX on XX/XX/XXXX updates balance {$1500.00} and pass due amount {$1100.00} - Im requesting this debt collector to validate by original contract, signature and dollar amount change including personal information. Dispute with credit bureaus or by mail have not validated debt with documents of my signature or specifics of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Exeter Finance Corp.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Credit soon have been poor because Accounts have been opening up in my name that I have never opened addresses that I have never lived at right now i can't do nothing because of identity theft in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, Capital One, XXXX XXXX, XXXX, Kohl 's Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Details Last Reported XX/XX/XXXX Collection Agency PRO COLLECT Original Creditor XXXX XXXX AT XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2800.00} High Balance {$2800.00} Remarks Account information disputed by consumer Creditor Contact Details PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had severe and pervasive Identity Theft in XXXX-XXXX and it took a valiant multiple year effort to resolve it. Finally in XXXX it was all cleared up. 

Someone got all of my information through a burglery, and rented an apartment in my name, opened utility accounts, tons of payday loans, opened lines of credit, and ultimately got evicted which all landed on my credit, which was not apparent to me to me until approx XXXX when I applied for a morgtage and discovered the extent of the damage. 

XXXX of the items was Sequioa Financial regarding XXXX XXXX XXXX  XXXX. This was resolved by sending notarized FTC affadavits, police reports, many letters, info from the City Attorneys office. This item was removed in XXXX from my credit reports as a result of proving the ID Theft to the creditors and credit reporting agencies. 

Fast forward to XX/XX/XXXX - I am ready to close escrow on Friday, XX/XX/XXXX on a 3 month long eescrow to refinance my home due to difficulty through covid and a death in the family - and Sequoia Financial put this debt back on my credit out of the blue, with no warning whatsoever no contact, no nothing. 

Tomorrow, the XXXX, I am supposed to go in the bank and sign documents, but before that they will run my credit again- which was spotless and impeccible until this fraudulent account reappeared. This is unfair and this was fraud and it might make me lose the loan that my family is counting on. Please ask them to look in their records and remove it. I sent the FTC Affadavit to Sequoia Financial yesterday and called them today, and they said they cant do anything til tomorrow which will be too late. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a collection statement for an XXXX visit, dated XX/XX/XXXX. The first {$50.00} payment was made online on XX/XX/XXXX, and every month after that. Once the first payment was made, I never received an updated statement from the collection agency ; only confirmation that my payment was accepted. Each monthly payment since XXXX of XX/XX/XXXXhas cleared my bank account. When I looked at my credit score this week, I noticed that it had dropped significantly, and that Healthcare Receivable Group had charged off the {$1500.00} that was still due on my bill as of XX/XX/XXXX. The most recent payment was made on XX/XX/XXXX of {$50.00} ( online ) and cleared my bank account as of XX/XX/XXXX. I have yet to receive any notification or correspondence from this company, informing me of the balance, the charge off or of any type of judgement. I believe the balance left on this account is {$1400.00}. I can not look at this account online ; I am only able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from American Express, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A number that appears as " XXXX '' on my caller ID calls my office from XXXX to XXXX every day, 6-8 times daily. XXXX says its Synchrony Bank. This number claims to be needing to discuss a personal matter with me. After repeatedly telling them to not contact me on a business line, if its a legitimate issue, they still continue to call repeatedly. 

Attached are a couple of screenshots of calls in the last day.

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 2022-03-29
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A XXXX lady called XXXX XXXX with phone number XXXX and a man called XXXX with phone number XXXX were teaching me how to trade on a cryptocurrency platform called XXXX with phone number XXXX. 
I traveled to XXXX on XX/XX/XXXX where I lost my phone which had the chase bank and XXXX app on it. 5 unauthorized transactions were done within a week from XX/XX/XXXX to XXXX from my chase checking account to my XXXX cryptocurrency account which turned out to be a scam account. 
I contacted XXXX  XXXX  XXXX  XXXX customer service and asked them to return my money, they said that they are just a cryptocurrency exchange platform and the money has been transferred to XXXX. XXXX customer service refused to release my money and said that I have to pay taxes with the amount of {$53000.00} in order to release my money and threatened me that they will expose my photo at my workplace and make me pay a fine of 5 % for every day that I dont pay my taxes to them. 
I have filed a police report with XXXX Police department with XXXX XXXX, report # XXXX dated XX/XX/2022. He said he will also reach out to the FBI as the amount of funds lost is more than {$50.00} XXXX. 
The total amount of funds sent from my chase checking account ( including {$38000.00} advanced cash payment from XXXX credit cards ) to XXXX through XXXX XXXX XXXX XXXX is {$66000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: AXOS FINANCIAL, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I transfer my monthly mortgage payment manually every month with an extra principle payment on time ( document attached ). XX/XX/XXXX, 3 mortgage payments were automatically transferred along with 3 additional principle payments. Only 1 mortgage and 1 principle payment was authorized by me. The two additional mortgage and principle payments were withdrawn without consent by Axos bank. This large debit pushed my checking account into an overdrawn status. 

Multiple failed attempts to get their customer service on their provided number of XXXX have been unsuccessful. I have been put on hold for> 40 minutes at a time with an automatic disconnection terminating the call. This has been going on since XX/XX/XXXX. The only viable form of communication is through their internal messaging center with questions and solutions not being offered. ( copy of messages attached ). 

I filed a dispute with XXXX which they reimbursed the unauthorized funds to my account. One partial payment was automatically applied of {$2100.00} by Axos into a suspense balance which I have requested a refund for. To date I have not received it. This would bring my next payment due on XX/XX/XXXX. 

Today XX/XX/XXXX I got a past due notice form Axos. XXXX states this is a resolved case and I can not get any one from Axos on he phone to explain, correct, or to answer my internal message. 

I still have not gotten an answer why this happened or how to avoid it from happening again. I now have a past due status on my account that I have paid three months in advance. 

This is time consuming and frustrating. I do not want this to result in delinquency status on my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have worked in the public sector for almost my entire career. I consolidated my student loans in XX/XX/XXXX ( all Unsubsidized and Subsidized Stafford Loans ), that I accrued while attending XXXX XXXX at XXXX, as well as XXXX XXXX at XXXX, from XXXX. I have been making payments on those loans since XX/XX/XXXX, with a few deferments here and there because life happened. In XX/XX/XXXX, I asked my loans to be transferred to MYFEDLOAN from XXXX, my prior servicer. I also have record of all of my years of payments to XXXX, but the most recent few years of payments to MYFEDLOAN accompany this complaint. I changed loan servicers to MYFEDLOAN to begin the PSLF process, as I had worked for the 10 years the PSLF program required. MYFEDLOAN stated, after review of my application, that I had been placed on the " level '' repayment plan, vs. the " income based '' automatically, years ago, and therefore NONE of the payments I have made since XX/XX/XXXXhave counted towards PSLF. I was never told of this change. In addition, since I have transferred my loans to MYFEDLOAN in XX/XX/XXXX, NONE of those payments have been counted toward forgiveness, despite repeated phone calls to MYFEDLOAN. The record of those payments accompanies this complaint, and I have all documents covering payments made to XXXX as well. I would like my loans forgiven, as promised. I also want my last few years of payments to be counted toward forgiveness, because I am enrolled in the right repayment plan, and MYFEDLOAN still refuses to count those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a loan modification package to SN Servicing Corporation on XX/XX/XXXX. On XX/XX/XXXX I received a letter of missing documents. On XX/XX/XXXX, I sent the servicer the documents they were requesting. They should have had a complete loan modification package by XX/XX/XXXX. On XX/XX/XXXX I received the letter of denial, how is it possible they that review my file in a short period of time? On XX/XX/XXXX I received a letter of sale. I feel like the servicer is more concerned about taking my home rather than giving me a fair chance to keep it. In the matter of about three business days they decided to deny my loan modification, how is that giving me a fair chance/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A person sent me {$850.00} using Venmo on XX/XX/XXXX, Venmo allowed me to transfer the money to my bank on XX/XX/XXXX. When the transfer didn't happen as scheduled I called Venmo on a recorded line to ask why is there a delay. They informed me that the FTC ( federal trade commission ) is reviewing my transactions and it will take up to three business days for that review to conclude. They did not advise me of a review prior to my inquiry nor would they tell what the review was for. I asked for my call to be escalated but they refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX pulled my Equifax report on XX/XX/XXXX. XXXX XXXX issued a letter on XX/XX/XXXX saying they would remove the inquiry. Equifax was provided a copy of the letter after 30 days went by and the inquiry not being removed. Equifax stated XXXX XXXX XXXX did not file the removal correctly and they can't remove with a copy of the paper letter so I am filing a complaint against both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection account which is unknown and I do not owe this company {$410.00} requesting removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX17 I initiated a sell of digital currency with Coinbase.com in the amount of {$3300.00}. It has been almost a month and I have yet to receive the money from the sale. I have sent numerous emails and have yet to receive a reply.

Company response to consumer: Closed with explanation