BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: ARC Management Group, LLC
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX ARC Management Group {$2200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt  caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARC Management Group {$2200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX** This is not mine.

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 2021-07-01
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Non stop repeated phone calls. no messages, calling family members phone numbers, not sure how they got the numbers. calling form unknown numbers. text messages to family members. calling on sunday mornings. called on easter sunday morning. weekends. all times.

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 2019-05-01
Company: EQUIFAX, INC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Equifax could not find my name on their bureau. XXXX and XXXX has no problem getting a great score for me. Over 750 for both. We did this about a month ago and our mortgage associate at the bank told me to contact Equifax directly. I sent in everything they requested my license, social, etc. They sent us a letter back three weeks later and said that I dont have credit and to contact the other bureaus. Please help me find a solution for this :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: SC
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:
Dear CFPB, Months ago I received notification that two collection accounts had been added to my Equifax Credit Report. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$220.00} ) Since that time I have submitted dispute letters to Equifax requesting that they send me copies of the information they have in their file used to validate that this is my debt. 

On XX/XX/XXXX and XX/XX/XXXX I received two documents from XXXX that was typed by their office stating I owe the debt. They did not provide proper documentation. Also, prior to these collections showing up on my credit report I had never received any information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My last dispute was filed in XXXX ; to date my concern ( s ) have not be adequately addressed. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX / Equifax remove these items from my credit report. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
cap XXXX reassigned servicing of loan to another company. Letter dated 2 weeks from date of transfer XX/XX/XXXX was sent, letter of course was not delivered to me until XX/XX/XXXX. I have not received any notification from the new loan servicer. attempts to contact the new servicer were unsuccessful and have no info on new account number to send with my payment I was not given two week minimum notification as required In prior correspondence cap 1 stated that several thousands of my money that was being held XXXX by cap 1, could be applied to XX/XX/XXXX payment knowing full well that were transferring servicing of my account ; when i called to request return of my money they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Kraken account has been '' temporarily disabled for more than 3 weeks as of XX/XX/18 i have filed 5 customer service requests and have not received an automated response with a ticket number for  escalation. I have joined XXXX and created 3 messages to Kraken at the krakensupport page under myuser name XXXX. I have received a reply from " XXXX " at kraken support but no follow up. I would like access to my account restored.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Chase advertised a {$500.00} rebate if I sign up for their mortgage, so I did. They never paid me the {$500.00}. They said I didn't meet all their conditions, but their conditions were misleading and not clear. 

Mortgage closed on XX/XX/XXXX. At the closing, I signed a paperwork with escrow and my Chase mortgage bankers, saying I will use my chase checking account to direct pay my mortgage, and I asked Chase mortgage bankers whether that will be all, for me to quality for the {$500.00}. They said yes. 

I then went overseas to XXXX for a month for work, when I came back in XXXX, I didn't get the XXXX, so I patiently waited another month. In XXXX, I emailed my Chase mortgage banker, inquiring where the XXXX is. He got me in touch with their complaint department. Chase complaint department told me I didn't sign up for paperless billing so I did immediately but they said it's too late, over two months now. 

BUT, 1 ) Chase mortgage banker told me at closing that it's all good and I don't need to do anything else to qualify for the incentive ; 2 ) I  went overseas ; 3 ) I was only less than a month late to sign up for paperless ; 4 ) all my other chase accounts were already paperless so I had no idea the mortgage payment wasn't set up by default to do paperless ; 5 ) I never received any paper mortgage statement until XXXX. 

This is deceptive marketing : Chase put the {$500.00} rebate in big bold letters then somewhere using very small font to hide the conditions to quality for it. They set up a trap for me to not qualify - while all my other Chase accounts were already paperless, they set my mortgage payment to paper payment, and they never sent any paper statement until after 2 months when it's too late! How could someone with busy work schedule remember all their fine prints? I tried to reason with them : their 2-3 paper statements don't worth {$500.00} but they still denied my claim. I have an XXXX degree but I still overlooked this small fine print, imagine how many other people will miss this. 

Chase should credit what they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I had a {$900.00} credit limit with XXXX XXXX  store care and they are denying they did it on their own but at the behest of Transunion my credit limit was reduced to {$270.00} almost as soon as i made a {$600.00} payment. I haf a couple late payments due to contracting Covid-19 twice, and I made payments and brought my account current and paid the bill off and they did this to me. My credit score was impacted negatively by over 200 points and I believe they are practicing race motivated discrimination. I did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction. That is not a valid reason. They refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using credit.

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 2019-05-01
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of First National Bank - Omaha. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for FNB. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in  XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.

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 2020-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a credit card with capital one that advertised a 0 % apr for a number of months. Every month, I diligently watched my statement, as my intention was to pay off the balance in full when the 0 % rate expired. Imagine my suprise when my bill came due and I notice an interest charge for my outstanding balance. I called capital one to complain and they explained that the promotional rate had expired mid-month, and they refunded half the interest charged.

In my opinion, this is deceptive. Nowhere on my last 'fully 0 % ' APR statement was a notice 'oh by the way, your balance expires mid-month next month, so if you wait for a statement to pay it, we're gon na charge you interest! In fact, no notice about the teaser rate 's expiry was provided at all. 

Apparently Capital One used to provide this type of notice. The person I spoke to even said to me " I don't know why they stopped notifying people on their statements that [ the expiry of their promotion rate ] is  about to happen! '' To me, it's extremely obvious why Capital One stopped notifying its members of the rate expiry : to extract profit. This is an incredibly underhanded practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box.

The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it.

From my online account, I was able to see that someone signed on the back of the check and encashed it.

My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX.

I got the affidavit signed by myself and also from the Manager of XXXX XXXX.

I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does.

I don't have any options.

I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check.

Both the banks are leaving me optionless and CFPB is my last resort. Pls help me

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 2019-05-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I want BBVA Compass to stop sending me credit card offers in the mail. BBVA Compass is a company with poor standards and practices that markets itself as a real bank. BBVA Compass sends me a ridiculous amount of fake offers in the mail and I don't want to receive anything from BBVA Compass regarding anything they have to offer. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, CA XXXX. I want BBVA Compass to remove me from any mailing list or consumer database they have or use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please help me resolve the nonstop, inaccurate billing sent to me since XXXX by Paypal Credit through Synchrony Bank. I used Paypal Credit for convenience in ordering home-delivered items from Walmart since I am a XXXX, homebound senior citizen.Things were ok at the start, but after I disputed some charges the situation quickly deteriorated.I called multiple times, was transferred from dept to dept & put on hold for as long as 3 hours, then often after the long wait, was disconnected. I put up with this no resolution no cooperation nonsense since XXXX. Today XX/XX/XXXX, I escalated the complaint to CFPB ( Consumer Finance Protection Bureau ) which previously " instantly '' resolved my 2 yr loan modification battle w/ XXXX  XXXX XXXX in an impressive1 week..after being denied without reason by XXXX XXXX XXXX for 2 years ... All it took was escalating the complaint to CFPB. 

I spoke again today to Paypal Credit ( Synchrony Bank ) about their latest letter dated XX/XX/XXXX, useless communication like before with unexplained interest and finance charges and no details despite my repeated requests since XXXX. In XX/XX/XXXX I instantly paid off about {$270.00} in valid Walmart purchases after these were finally itemized to me by phone, and I ended with a credit balance of {$25.00}. I was told to ignore the unexplained penalty charges since these were caused by Paypal Credit 's refusal to give details of the bill which made payment impossible. Yet after getting this credit balance I again was unexplainably billed over {$300.00} in penalty fees, with no detailed explanation. After wasting time with many representatives and getting nowhere since XXXX, I decided today that I would escalate the complaint to CFPB to get results.

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