BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, natural person and consumer have been the victim of identity theft. LVNV Funding obtained my information illegally from XXXX XXXX XXXX. There is no contract with my written signature on it that says I am obligated to pay LVNV Funding LLC. Under 15 USC 1692g ( FDCPA ), I have the right to request validation of the debt. Cease and desist and debt validation letters were mailed to LVNV Funding LLC on XX/XX/2021, by way of green return receipt. LVNV Funding LLC has failed to provide debt validation as of today, XX/XX/2021. LNVN Funding LLC is still reporting unverified information to the credit bureaus which constitutes fraud. LVNV Funding LLC has also violated the following codes shown in attached documents : 15 USC 1692b 15 USC 1692c ( b ) 15 USC 1692e ( 3 ) 15 USC 1692e ( 2 ) ( A ) 15 USC 1692b ( 5 ) 15 USC 1692e ( 14 ) 15 USC 1692e ( 11 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2019 I opened an account with the store XXXX XXXX XXXX with the belief I would receive 12 month promotional financing for the purchase of cabinets which was advertised on the stores website. After the purchase of {$1500.00} I found out on the bank website, Synchrony bank who did the financing, I received 6 months financing. The last payment I made was on XX/XX/2019 however the payment was made electronically and was not posted until 4 days after the promotion expired. Now I am being charged {$170.00} in interest fees. This is undoubtedly false advertising and the store is at fault.

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 2019-11-03
Company: ARVEST BANK GROUP, INC.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Will not rehash on earlier complaint they didnt fully address, only wish Arvest Central Mortgage to admit that once they were notified that our home was condemned that we had no other option, per our contract, but to pay off the loan with the insurance funds.For Arvest to continually refer to a conversation before this date is irrelevant as they didnt have the funds, or all the information to say what we could or could not do with those funds, before we notified them of these findings

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the best buy store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is best buy and deb collector are call XXXX XXXX XXXX XXXX there account CITIBANK , N.A . / BEST BUY account the amount balanced $ {$2500.00}

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 2017-12-29
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX2017- So I am wanting to take my virtual currency and transfer it to my wallet on my computer and save it there to where it is safe and when I do this it says I do n't have enough to transfer cause they wan na charge a network fee here is a screenshot of the transaction that I want done ... 




I have attached a pic of me trying to get my currency to be transferred to my Bitcoin wallet on my computer.. 



I put in {$20.00} with my bank and they say I wo n't get that for 5 to 7 days.. 

I also put in {$20.00} with my debit card I lost {$4.00} since I have had my currency in the market.. I want to now take what I have left and to put into my bitcoin wallet on my computer and this is the result they are robbing people ... If I had {$33.00} as you can see is {$18.00} for just a network fee.. This is absurd I want to take my money out!! So I now I will have no choice but to try to get my money back into my bank account which they will charge another {$1.00} fee so basically when it is all said and done they have robbed me and I just wan na get what I have left I am done with doing business with this company! But from what my friend says this is the only way to get my money into currency to trade with all the other cryptocurrencies there has to be other companies that wo n't XXXX us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.

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 2022-03-02
Company: ERC
State: OR
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:
This is the third time in the past two years that a collection agency has taken this same tactic to collect {$1800.00}. I am assuming it is again a subsidiary of XXXX XXXX XXXX that has falsely claimed that I used their services and owe them debt. I have disputed and cleared the previous two errors ( or so I thought based on meaningless follow-up communications ). I would try again to work with this new debt collector, but this problem is too pervasive. How can XXXX XXXX XXXX and XXXX ( which was just sold this past week ) create erroneous billing records and then knowingly sell the unverified debt? 

I called Enhanced Recovery Co L at ( XXXX ) XXXX. I could not get past the virtual operator, who kept demanding account numbers ( that I do not have for this erroneous claim ) as well as my complete social security number ( not just the last XXXX ). I would never trust these people with my social security number. 

The debt collection agencies change in name, but use the same abusive tactics of submitting minimal, unactionable details only to the credit reporting agencies to damage credit scores in the hope of forcing some type of payment even though nothing is owed ( legitimate or verified ). 

I have never received any tangible, actionable details in writing or via a call from Enhanced Recovery. 

How long is this ridiculous practice going to go on? Why don't they have to provide actionable details before they inflict meaningful damage to credit scores with erroneous information? Will I ever be able to make XXXX XXXX XXXX to clean my details out of its system. By the way, I have not used any any XXXX XXXX XXXX  service in more than 20 years and I never will again either. I realize that XXXX was sold this past week, but any past billing matter would have been under XXXX XXXX XXXX 's ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need a background check to be ran by a prospective employer. I've created an account. I'm trying to download my information on the site. It's not accepting my dispute or any of my information. They are asking me to fax my info but now I'm very particular about doing so because I don't trust them especially after hearing about a security breech. All I can say it's costing me a job and now I'm at risk of being unemployed all because I can't update my address to my current one on their website!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX is reporting a fraudulent account on my credit report. I have contacted them multiple times and I also contact TransUnion to remove it but they have keep this account that is preventing me from obtaining necessary financing.

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 2018-01-25
Company: Pinnacle Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was from XXXX XXXX. When I first moved into house I 'm in now I wanted to put XXXX in house and I was told by XXXX I could n't until I paid the XXXX XXXX account, so I made a payment agreement and they put XXXX in the house and I paid two XXXX bills at the same time monthly. After 6 months the XXXX XXXX account was paid in full. I do n't owe this account anymore.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-15
Company: EAST WEST BANK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, I transferred money from XXXX XXXX XXXX to a friend account of East West Bank, which was XXXX USD, but because my friend gave the wrong account, that account has been deleted, causing the remittance to fail, but the XXXX account money has been deducted. 
So XXXX implemented a transfer recall operation, but until today it has not successfully returned a refund. People from XXXX 's transfer department said that East West Bank sent them more than 10 telegrams without refund. 

The following is the transfer information : From Account : XXXX ( XXXX ) To Account : XXXX ( XXXX ) To Name : XXXX XXXX Information from XXXX Transfer Department : XXXX no. ( U.S. wire transfer number ) : XXXX The number of the wire transfer provided by XXXX ( intermediary bank ) to the beneficiary bank : 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 explanation
Consumer complaint received 2017-12-29
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had fraud occur in my account =to XXXX. I researched with the places where the fraud occurred and they informed me that a female made the purchase age being from about XXXX years old. Stated she purchased an XXXX XXXX x repeatedly. All in all I contacted the debit card company and they refuse to refund the charges back to my account. They say I need to work with the merchant. A case was filled and then closed not in my favor. Dates of dispute was XX/XX/2017 case opened case closed XX/XX/2017. Under regulation e Im not responsible for unauthorized use of my account except 50 .

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 2017-11-14
Company: CITIBANK, N.A.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A modification was requested in XX/XX/XXXX on this loan and was n't approved until XX/XX/XXXX. I made the trial payments and then nothing happened with my  modification packet. I never got anything to finish the process and I was told by Citi Mortgage that I needed to wait for the packet they were way behind ... To this day I have never received that original packet. In XX/XX/XXXX Citi tried to Foreclose on my property at the same time I tried to sell my home.. The foreclosure attorney found an unreleased deed of trust on my property that Citi failed to have released when they refinanced my home.. 
This stopped the foreclosure and it stopped me from being able to sell the home. 
I have tried from that point until today to get them to work with me.. The title is still not clear so I cant sell the property and they have a foreclosure sale date set for XX/XX/XXXX. I tried to work with them in hopes to do a short sale once I hire someone to clear the tile since they are not willing to clear it and they will not stop the sale. I have a XXXX husband and a XXXX XXXX old grandson that I need to relocate very fast if I cant get this sell stopped.

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 2022-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked them to stop calling me and send a letter. The man told me he could continue calling me as much as they want ( about 8 times a day ) and would bring me to court and sue me. Now they've reopened the old account on my credit report and it dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I recently made a XXXX cashout due to separation of my previous job, I received a check issued from Bank Of America a little bit over {$30000.00} and was going to use that for my sons medical expenses he has XXXX. On XXXX I went to Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and asked to cash this check issued from them. They were rude and did not allow me to cash the check which was issued by their own institution and told me since I was not a Bank of AMerica customer they could not cash it. So now my sons medical procedures and expenses are on hold due to this. I spoke to a XXXX XXXX who was rude and told him I would be making a complaint, he continued to be rude and said go right ahead! This is the worst customer service I have received ever and they refuse to cash my check which was issued by them! 

Sincerely, 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 explanation
Consumer complaint received 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right

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 2017-11-15
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter in the mail requesting collection of debt XX/XX/XXXX for a Citibank card. The letter I received says I allegedly owe {$1400.00}. I contacted Citibank to verify what information was in their system to validate the legitimacy of the letter, at which point I was informed that the debt was being managed by a separate collection agency/law office. I found this odd because the debt was not on my credit report and in XX/XX/XXXX, I received a letter stating my inactive account was being credited for an identity or credit protection service I had during the time my account had been active. Also in XX/XX/XXXX, I received in the mail a pre-approval letter for the Citibank Diamond Preferred card, which further confused me. Yesterday, XX/XX/XXXX, I received another Citibank card offer for a ThankYou Preferred card. If I had outstanding debt with Citi, why would I be eligible for their top cards?
The 3rd party organization also sent a letter claiming to file a foreign judgment with the current state I 'm living in, which I do n't even understand what that means. 

This matter has resulted in further research and I uncovered that Citibank broke the law by providing inaccurate and inflated interest rate information for about 130,000 credit card accounts it sold to debt buyers. The bank also was accused of failing to promptly forward about 14,000 payments from customers, totaling about {$1.00} XXXX, to the debt buyers. When I reached out to the 3rd party company that sent the letter, I was told that only {$200.00} worth of payments to Citibank was recorded associated with the inactive card account, which again makes no sense. 

I also learned that from at least XX/XX/XXXX to XX/XX/XXXX, Citi used misleading statements to get people to sign up for debt protection services, and charged for credit monitoring services it sometimes did n't provide, the consumer protection bureau said. XXXX also charged a {$14.00} fee for same-day payment on delinquent accounts, a service that most users did n't need, according to the agency. Which I had clearly been a victim of due to the refund letter received.

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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX credit card company reported my payment 30 days late they also stated that i did not make a payment in XXXX which is incorrect i submitted my bank statement along with a disrupt letter to the company

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 2019-09-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THERE ARE MANY ON ALL THREE CREDIT REPORTING COMPANIES THAT ARE INCORRECT OR INQUIRIES THAT I MYSELF NEVER DID AND ALSO DIFFERENT CARDS STATING NOT PAID THAT I PAY OFF EVVVERY MONTH!!!!!

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 2019-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 balance transfer

Complaint:
XX/XX/2019-I did a Payment on my credit card account of {$180000.00} XX/XX/2019-Bank of America took {$180000.00} from my credit card account in concept of Refund. 

After few days I called the bank asking about my money and why they did that without any previous information.. The Bank said they sent me a Check of this amount at my home. 

XX/XX/2019 : I received the check, but It was damaged ( USPS broke the check and they gave me a regret for the situation ) I contacted the Bank and explained them the issue. The attendant told me that they can cancel the check and reimburse me the money at my checking account ... It never happened I called many times for the next weeks, explained over and over again to who was behind the phone.. All of them promise me the same.. 

XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened It's been almost two months since Bank Of America took my money and they didn't give any solution.

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 2018-01-25
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Express Recovery is trying to collect ( 8 ) charges from the XXXX XXXX XXXX XXXX- this was an Auto Accident, it has been paid -- I called them and told them ( there were only 2 charges on my cbr at that moment ) -- they added 6 more -- I have statements from the XXXX XXXX XXXX showing 0 owed, email from the attorney with the negotiations, copy of the check sent to the XXXX XXXX XXXX and their 1st collection agency .. Express Recovery is about the 3rd one All of my bills have been paid in full and should be removed from my cbr

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation