BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: Credit Karma, LLC
State: PA
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:
My credit report dispute request was submitted to XXXX  VIA Credit Karma on XX/XX/2018. 
XXXX file number : XXXX. 
I got an update from Credit Karma to inform me the dispute request is currently being processed by XXXX. They expect to complete their investigation within 30 days. 
As of XX/XX/2018, I have not received an update from neither XXXX  or Credit Karma. 
According to the FCRA, If CRAs dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. 
FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in the United States XXXX and I was stationed in XXXX, XXXX from XXXX to XXXX. When I was given XXXX orders ( XXXX XXXX XXXX XXXX ), I brought a copy of my orders to XXXX and paid my last phone bill before closing my account ( around XX/XX/XXXX ). I got to my new unit in late XX/XX/XXXX, in XXXX XXXX. On XX/XX/XXXX, I checked my credit report and saw a collection agency had a debt listed for the XXXX bill. I called the agency and paid it again, just incase maybe there was anything else due that I missed. The agency wrote me an email as proof that I paid so I wouldn't have to deal with the collection ever again. Since then, XXXX has been spamming my credit report with collection agencies to get an additional {$220.00} from me, in XX/XX/XXXX, and also now ( XX/XX/XXXX ). I refuse to pay a debt I don't owe. I don't exactly know what to do but I am beyond angry with them for continually trying to use my credit report like a hostage to get money from me, especially since I always pay my bills on time, in full ( and, for example with my car, I pay way more than the minimum due ; I'm 3 months ahead on my car loan. )

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 2018-11-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX XXXX to Bayview Servicing last year after my mortgage process was screwed up. I contacted the new mortgage company Bayview Loan Servicing in XX/XX/XXXX because my XXXX school taxes had not been paid to the XXXX XXXX XXXX XXXX. The rep on the phone confirmed that the bill had not been paid. She said, I am marking the bill paid and will send an inquiry to the escrow department so they can trace your payment. She assured me that they would research the account and pay any outstanding bills. I received another notice this month stating that if I did not pay the delinquent amount by XX/XX/XXXX that my home would be sold. I contacted them again and was assured it was indeed paid, but they could not provide me with a check number to provide the county. They gave me a tracking number for a XXXX  XXXX   shipment and the dates did not match up to what the agent XXXX said my payment was sent/processed. The county confirms that they don't have my payment. I do not want my home sold out from under me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get calls everyday and sometimes several times a day and when i spoke to them that i wanted to see what we spoke and agreed on over the phone in writing she said i would get an email and it would state that. I also wanted it to say that it would be removed from the credit report and she insisted i would get this email. Then she wanted to take my payment over the phone while i was driving and i told her i couldnt and that i still wanted to see this email and she insisted i pay and look at the email she never sent and i explained i wasnt going to put my life in danger just to read an email and i would read it when i got to my destination and she got upset and told me the deal was off and that it would go back to the original debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: California Business Bureau, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I heard from this company one time. They called me and told me about a debt that was not mine. I have been a victim of stolen identity since XXXX. My purse was stolen by a room mate of mines and every since this happened I had random things pop up that do not belong to me. This company California Bureau contacted me telling me about a hospital debt saying my New York insurance did not cover it. I was unaware about what this place was speaking of especially since the spoke of a debt from XXXX and I recently just got the phone number they were calling me from. 
Next she just started telling me I had 30 days to give them the money and that they know where I live and if they have to put this on my credit it's going to ruin it. 
I then went on to explain that I was not the person who was there, she kept saying oh well you have 30 days and I'm sending a statement to a address that I no longer reside at. 
She then warned me that this is going to damage my credit if she had to report it and she does not get the money. Next thing I notice in XXXX someone illegally ran my credit report and the notes said I applied for a loan. ( same company ) I did not give them permission to run my credit nor did I apply for a loan. A couple weeks later They placed a collection on my credit. I assume the person that stole my identity has been using my medical insurance and was not able to use it with these people and then they tracked me down due to searching my credit profile with the unauthorized inquiry. This is not my debt and I don't want to continue being responsible for an Identity thief.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/XXXX, when I managed a charity online utilizing several online seller platforms such as XXXX and XXXX for a non-profit company, XXXX XXXX XXXX XXXX XXXX ( XXXX ), we created an XXXX seller account using my personal credit card. During the active online selling, XXXX unilaterally remove our selling privileges on XX/XX/XXXX and blocked us to log onto our account. While we were asking for the reason for their decision to block our account, as my last day of work XXXX XX/XX/XXXX XXXX for the XXXX was approaching, from XX/XX/XXXX XXXX and my colleague sent daily email to XXXX to remove my personal credit card on file and call us to update the financial data as XXXX did not allow us to log on and update the information. We sent daily reminder emails to XXXX, but did not receive any response until I left XXXX on XX/XX/XXXX ( see the attached email chain ). When I saw $ XXXX pending charge on my credit card on XX/XX/XXXX, I knew that XXXX failed to remove my personal credit card information, so I contacted XXXX  if they received any response from XXXX and reason for the charge, and my former colleague forwarded the enclosed email chain explaining that they still had not yet received any responses from XXXX. They couldn't even check the balance, couldn't even know the reason for the account block. So I contacted immediately Chase about this $ XXXX unauthorized charge on my credit card on XX/XX/XXXX, and customer service told me to wait until the charge was posted to dispute the charge. So on XX/XX/XXXX, I saw the pending $ XXXX charge eventually posted on my credit card, so I contacted Chase customer claim department to explain the situation and asked to send all supporting document _ So I faxed the enclosed signed letter with the email chain, but Chase resolved the issue indicating that they closed the dispute because I had received the service ( please see enclosed letter from Chase as well ). My main reason for dispute was the unauthorized charge because of my many attempts to remove my personal credit card on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank checking account ..I was hospitalized for 9 months ..i have police report and document of all 7 doctors and staff of my condition ... meanwhile someone decided to take my identity and use it ..his name is XXXX XXXX ..It opened up credit cards and took trips shopped used all my money while i was hospitalized ..when i got better i start to open my mail i notice that i was missing XXXX and a abundance of credit card in my name ..I disputed them with Citibank XXXX.I got 1/3 of the money i got back but all the credit cards that where opened in my name and paid from my account where not reimbursed to me ..I get calls every day I have so many debt collectors and had XXXX inquiry on credit report .citibank closed that account and opened a new account for me ..but while the investigation was still going they sent me a letter saying that they have decide to stop our banking relationship with me so they went and closed even my new account ..as of today they still our investigating but didn't want to do business with any longer so now i have no bank account ..i was the victim but they screwed me like XXXX ..I still recovering from my illness ..what a kick in XXXX Citibank is ..also their was a XXXX paymet made to a credit card that they cant find where it went 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 2018-06-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my credit report and noticed that XXXX XXXX was reporting a negative trade line on my credit report ... Open collection without a balance nor who are they collecting for..account number # XXXX. On XX/XX/XXXX I mailed them a certified debt validation letter. On XX/XX/XXXX I sent them via certified mail a failure to validate letter. They received the first letter on XX/XX/XXXX... as of right now they have not responded to both of my letters. I also disputed this account with the XXXX XXXX twice and they CLAIM that the account was verified and it will remain on my credit report. I do not understand how is that so because XXXX XXXX has not responded to my claim. On XX/XX/XXXX I contacted XXXX XXXX   and I spoke with XXXX and she advised me that they received my debt validation request on XX/XX/18 and they have submitted the dispute to the original creditor. As of today I have not received any correspondence from XXXX XXXX nor the original creditor. XXXX XXXX has violated the Fair Debt Collection Practices Act and Defamation of Character. XXXX XXXX claim is frivolous as they are unable to verify this debt within time frame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal limited my account for selling my personal items and keeping my money. I did contact requesting a reason and was told they do not have to say. 
On XXXX and XXXX I made a sale of some of my sports items With two different people. I am an Avid sports collector and have multiple items. I decided to sell for financial reasons with the craziness of last year. On XXXX I received a notification via email from PayPal stating I can no longer use services. On XXXX the first buyer received his stuff. On XX/XX/XXXX the second buyer received his stuff. I have proof of delivery along with all tracking info as well as pictures of items sent. Both parties states items received. These items were new unopened boxes. I reached out to pay pal via phone on XX/XX/XXXX as well as messenger on XX/XX/XXXX. Another call was placed on XX/XX/XXXX. I requested several times for a reason regarding my limitation as well as a reason for holding my money. They refuse to tell me. Their response to me on messenger was " they can not share the exact details behind the decision '' but I should trust that they have made the decision after careful review. It also stated they need to hold my funds for 180 days in case of any chargebacks. Really? When speaking to XXXX a PayPal representative on the phone on XX/XX/XXXX I was told a different department handles the limitations. I asked if I could please contact that department and was told no they do not take phone calls and no way to reach them. She told me there was nothing more I can do except wait 180 days and all she could do was note my account. I have read through the terms and agreement as well as the acceptable use policy I have violated NOTHING!! I have read others complaints that say PayPal often never releases their money and charges them over damages of their policy. From a company that so many trust yet should not. I expected more. I feel that if someone is holding my funds I at least deserve a legitimate reason as to why as well as being able to contact the ones who are responsible for this. This company is a scam at its best as well as poor customer service. I do not wish to ever do any business with PayPal again but I do want my money that is rightfully mine. I do have every intention of sharing my story with as many as possible in hopes that they are not the next PayPal chargebacks fraud victim so they can steal peoples money. 
Account ID : XXXX ****I have called twice now only to be told the departure that is making the decision regarding my own money has no contact information. I am told I just have to wait and see. I have sent messages via messenger and was told they can not tell me why they chose to limit my account. Attached is a screen shot of that response from the company. 
I have also reached out to the XXXX in hopes for some contact with nothing. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: CORELOGIC INC
State: IL
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 XXXX XXXX MN XXXX ( XXXX ) XXXX It 's rediculous that this company ran my credit without my authority. I Have 3 Hard Inquiries in my XXXX Credit Report XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX this has to be removed it 's affecting my credit report. National Credit Cards / Airlines. Credco XXXX XXXX California XXXX XXXX This company ran my credit without my authority. I have 3 Hard Inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This is affecting my credit report it has to be removed from the XXXX Credit Report. XX/XX/XXXX / XXXX XXXX XXXX Illinois XXXX Credit was run twice without my authority. XX/XX/XXXX - XX/XX/XXXX It 's been affecting my credit report from XXXX Has to be removed XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 2 Hard Inquiries XX/XX/XXXX - XX/XX/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 2018-11-15
Company: Mid-Atlantic Finance Co., 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:
XXXX has been non-compliant with removing the unverified account MID-ATLANTIC FINANCE which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that MID-ATLANTIC FINANCE was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: New Era Asset Management, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX at New Era Asset Management calls me with back to back calls while I am at work. He is aware I work in a XXXX XXXX for a XXXX XXXX XXXX XXXX. He continues to call and does so without leaving any gap. He also called the main call line and informed a coworker they needed to speak with me. That is strictly against the rules and is common knowledge that you can not take personal calls in a XXXX XXXX. I was approached by management for the infraction and advised I can not let it happen again. This is unacceptable behavior that needs to end. I have been forced to turn my phone to silent and lock it away so if I have an emergency I will not know until I have a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a letter for a debt collector saying i owed XXXX on XX/XX/2017 they threaten me told me that i would go jail ..wait an watch your day are coming ..it said it was laywer from XXXX cty court that i didnt have insurance ..so i tried to get my driver license renew and i couldnt cause they said i owed XXXX to XXXX cty court ..I never received a bill ..i only got calls but nevr any explanations ..so now i have bill of XXXX and i cant renew my license

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
All of my student loans were originated from XXXX. I have repaid the principal balance and interest. The balances are reflective of junk fees, late fee 's attorney fee 's ect that have been accruing interest for over 23 years. I am not able to make any payments on these loans and can not return to school to finish my degree, impacting my credit rating. 

The loans are eligible for cancellation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I used my XXXX XXXX XXXX debit card at the bank of Oklahoma outside ATM between the hours of XXXX and XXXX XXXX. The branch address is XXXX XXXX XXXX XXXX XXXX, OK XXXX. 

I attempted to withdraw {$400.00} and there was a {$3.00} service fee since I do my banking at XXXX  XXXX XXXX. After putting in my pin number and typing in how much money I wanted to withdraw the ATM completely turned off. I waited a few minutes and the machine did not come back on. I pulled around to the front of the building and went inside to talk to the teller. She said Oh man ... It turned off again? She assured me that the {$400.00} withdraw would show up as processing on my bank statement for a few days and then it would completely fall off since the money was never dispensed. I withdrew {$100.00} from inside the branch and left. 

About a week later I noticed that the {$400.00} ATM withdrawal that I never received was debited from my account. My husband and I have contacted Bank of Oklahoma several times and have even filed complaints through XXXX XXXX XXXX or assistance with this issue. Bank of Oklahoma says that the money was dispensed. If that is the case, we have been asking that they view the security footage from the ATM because the money was not received by me. My only guess is that the ATM came back on eventually and dispensed the money to someone else. After multiple claims have been opened, we have not reached the proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX 2016 our Citibank credit card number was stolen while vacationing in California. On XXXX XXXX, during online bill payment I discovered approximately {$2000.00} in fraudulent charges on my credit card account. That day I contacted Citibank and had them issue a new card number and reported all the fraudulent charges verbally by the date and location as the appeared on my statement. I was told XXXX to ten days and the charges would be removed. Since the initial contact with Citibank on XXXX XXXX, I have now called and spoken with representatives seven times - each time being asked to state all the fraudulent charges. As of late, today on XXXX XXXX I have called them the seventh time and went through the same drill. I 'm beginning to think they are telling me what I want to hear and ultimately these charges will not be removed, which of course will force me into legal action against Citibank. Anything you can do in this matter would be greatly appreciated. I should mention that XXXX of XXXX of the fraudulent charges were credited to my account due to my own initiative. My statement contained the vendors phone number which I was able to call in order to have my account credited.

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