BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is regarding XXXX XXXX and Arvest Bank bank.This CONSUMER at the has been frauded in her bank account there was money deposit somehow in her account the bank teller told her guardian XXXX XXXX who's her son to that it was okay to take the money but they said before to make sure it cleared first and it cleared and he took the money out of the account they said the money that was deposit fraudulently from someone else or somewhere else that it needs to be returned but the money was already spent and you as a trustee we know that their books are not set right that they charged her account again her social security check was eating up now she had nothing to pay our bills leaving her abandoned financially I've contacted them fill out forms the bank decided to discard the product forms I contact the bank verbally my name is XXXX XXXX I'm the daughter in law we have guardianship over her they've done this twice they've gotten the money they won't fix the account Arvest is on XXXX and XXXX I've talked to the managerXXXX talk to the manager and I've talked to the billing or accounting department and they're not willing to do anything and here she is without electric gas water and insurance and car note car payment to pay for anything please

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 2019-07-02
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX we received notice from court for DiTech structuring. Notice says we make our loan payments to the same place as before on the same schedule. No issues in XXXX. XX/XX/2019 auto payment of {$1800.00}, see bank confirmation of payment. XX/XX/2019 statement says behind in payments and asks for 2 payments {$3600.00}, Also changed PO box for payment delivery. Called DiTech XXXX. Many long messages about restructuring. Dial 0 for a person and no one answers. Message says " Call back during normal business hours '' no matter when you call. Many calls and we push buttons to request more information and a person answers that is part of the restructuring of DITech, but can not help. Just plays a message which says DiTech is in business and make your payments as you always have. Where did our money go?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: Kingston Data & Credit International Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 a validation letter was delivered with certified mail to Kingston Data and credit at this day I dont receive anything to validate that debt I want them cease collection activity I dont want contact by this company anymore. I dont want them reporting such invalidated information to major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
I called the Chase Sapphire credit card number before I applied. I asked if the annual fee would be waived and whether I could submit the salary of the job I will be starting in XX/XX/XXXX. They read me a statement about the information you can include for salary and it specified that you can include income you expect to receive. Then they transferred me to someone who said the annual fee was waived the first year. 

I signed up later that day for a credit card and got approved. Today, they charged me the annual fee. When I called, they said they had no way of looking up who I spoke to on the phone, said that the waiver of the annual fee was a promotion that ended in XX/XX/XXXX and refused to waive the annual fee the first year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Specialized Loan Servicing Holdings LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to refinance my current mortgage. In order to do so, I have been told that I will need to provide a payment history for the last 12 months. On XX/XX/XXXX, I contacted my loan servicer and asked them to provide me with a payment history. I was told that my request has been submitted and that I should see the requested document in 7-10 business days. It is now XX/XX/02 and during that time I have made 7 additional phone calls and I still have not received the requested document. I have verified my mailing address multiple times. I have requested the document be faxed to me 3 different times to 2 different numbers. I have been told these requests have been completed but have been given no proof that they actually have been completed. I have tried to talk repeatedly to a supervisor and have been told first that that isn't an option. Then on another call was told a supervisor could call me back in 1-2 business days.

In summary, I have over the course of almost 3 months made 8 different phone calls to obtain a simple document and have not been provided with the document or proof that the document has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I purchased a movie subscription that did not inform the buyer there would be additional charges. I tried to cancel and they would not let me. I disputed the charge and the bank was able to resolve this but the day after the dispute the movie company put through an additional unauthorized charge and I disputed that. The bank issued a temporary refund, then a permanent one but then reversed the permanent one saying they couldn't work anything out with the company. I am hoping you can reach out to either Citibank or the  movie company XXXX and find out why unauthorized charges are allowed to go through and not returned when disputed. 

Date of charge XXXX/2018 amount XXXX Multiple letters, emails and phone contacts have been made.

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 2018-01-26
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Requested validation / disputed the debt XX/XX/XXXX - Received notification of pause while they validate XX/XX/XXXX - Received notification of continuation of attempts to collect this debt, but they did not provide validation that is the standard and required according to the Fair Credit Reporting Act. A front bill page with my name on it does not validate that this is my account, nor that I agreed to such an account. According to the FCRA they must provide me with a hand signed contract to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax makes it impossible to get your annual, free credit report online. It doesnt matter how many times or how accurate the verification questions, Equifax always make you request your report by mail. This is against the spirit of the law and undermines the intent of the law. Equifax needs to be found in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Convergent Resources, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( XXXX ) called me on my cell phone asking for my wife, although with a slightly wrong version of her name. They would not tell me why until I provided last four of my wife 's social and gave them information about me and her. They said they were debt collectors representing XXXX, but neither myself or my wife does business with XXXX. I refused to give them any new information and hung up. 

I am not sure if they were phishing or otherwise just trying to gain access to us or our information, but it was an unsolicited call on a number on the do not call registry.

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 2021-02-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report several months ago and noticed Resurgent Capital Services PYOD LLC Reference ID XXXX ( Account XXXX ) is reporting on my all 3 major credit bureaus that I owe {$570.00}. I do not recall doing any business with this company so I sent a letter demanding a copy of a contract with my signature that I agreed to pay you {$570.00}. I received a letter with a account summary from you. I sent another letter stating that you failed to verify that I agreed to pay you the amount above. This last letter I received XX/XX/2021 on a type letter from your company titled account summary report with historical account information from a company I did agree nor authorize to open an account with. This is against the law to report face information on my credit reports. You are required to verify that I owe any monies to you. Verification is PROOF that I owe you. which includes my personal information, including SSN etc and a copy of a contract that I agreed to pay you the amount. Failure ti provide this information is a violation against my rights. I authorize CFPB to do a formal investigate this matter and receive related information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I called Avant Customer Service spoke with XXXX XXXX she stated that she worked for a 3rd party company on behalf of Avant ) to report fraudulent charges and request that my account be closed. I stated " I do not want new card ''. 

Emails sent to Avant customer service XX/XX/XXXX at XXXX, XXXX, XXXX and XXXX all requesting that fraud charges be looked into. I had also called several times throughout the day and hold times are ridiculous. 

I logged into my account on XX/XX/XXXX, on my dashboard it stated that I had applied for a credit card on XXXX and XXXX. I called customer service and spoke to XXXX. He would not provide an ID # or anything else except his first name. I was very clear in the fact that I DID NOT apply for any credit cards with Avant. he stated that I must have clicked on something on the website! Are you kidding me??!! I did not and was clear that someone was doing this with my information. My account was not closed as requested on XX/XX/XXXX. i requested the account be closed due to fraud. XXXX would NOT close my account. 
This account was paid in full months ago and I do not use this card. The dashboard also states that i should activate my new card. I have never received a new and do not want one. 

Avant is egregious in its business practices, does not provide the consumer with mandatory information ( no letter or any type of communication was received that a fraud investigation was completed on my account ) and refuses to close accounts upon consumer request. As well, I have requested XXXX be removed from my account as my balance was XXXX months ago when I paid it off. 

This company is disgusting at best! I want my account closed, the XXXX removed off the balance and they need to be investigated. Complaints have been filed with several bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: CITIBANK, N.A.
State: CA
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:
In XX/XX/2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} ). 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.

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 2020-02-09
Company: Slovin & Associates Co., LPA
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received notification of the debt at the end of XX/XX/XXXX. I emailed the attorneys as the notification demanded on XX/XX/XXXX requesting the explanation of the charges with documentation supporting the claim. I never received a response. The lawfirm sent another bill with claim codes blacked out. 
XX/XX/XXXX, I emailed again requesting the information for the bill and supporting documentation. I also called the law firm. I communicated in the email, I wished to settle the matter, but the charges did not add up and I needed the documentation. 
NO RESPONSE I emailed again on XX/XX/XXXX, requested the explanation of the charges. NO RESPONSE On XX/XX/XXXX, I received a motion for default judgement with the statement I have never contacted the lawfirm, even though I have the electronic proof. 
I called the office to have them explain. They stated they would send the required information to me. 
XX/XX/XXXX Motion for default judgement filed anyway, despite reporting complete lies.

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 2020-08-01
Company: EQUIFAX, INC.
State: DC
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:
Thsi must be the 4th or 5th time I've disputed an item from XXXX. XXXX XXXX XXXX XXXX XXXX corrected and deleted data off of my report and XXXX lazily will not do so. 

I include letters to XXXX and the most recent dispute item from XXXX today XX/XX/XXXX after I notified them of the erro for the 5th time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX, XXXX XXXX took me to court and quickly got a default judgment order on me because they never sent me any notice of being sued. 

When I found out in late XXXX, I got the order reversed and counter-sued them. This went on for about a year and a half. 

XXXX XXXX has never sent me any documents nor anything to prove I owed the debt. During the settlement conference in late XX/XX/XXXX, the judge and two lawyers threatened me that if I did not accept the terms, I will owe more because I can not win in court to the tune of {$65000.00}. The debt was never mine. XXXX XXXX used fake documents and checks to say it was mine. They owned my home loan and of course they had copied of checks I sent them. I was promised copies of every document before I made one payment plus a signature from a some high authority from XXXX XXXX of documents. Nothing was sent to me except a threat. The signatory was a legal analyst from their office. Hardly anyone of authority. Why didn't the lawyer present sign that document? This was a scam from the beginning. They knew they were going to get the FULL amount from the start by offering to reduce the amount. They scammed me and scared me. I was on medication at the time of the settlement. I was emotional and could not think straight. I would have agreed to anything that day. 

$ XXXX was agreed upon, Now, it is the full amount of {$32000.00} and growing. This is so unfair. I want to go back to court and sue them for fraud. I believe XXXX XXXX sold the debt to XXXX and XXXX. They own the debt, not XXXX XXXX. If that is true, that is fraud in itself. 

Worst of all, they are using the pandemic to file documents against knowing that the courts are closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attempted to contact the credit agencies to inform them to lift the freeze and fraud alert on my credit file because I am trying to get a car finance and they are unable to access my credit report. Please remove any blocks or holds on my XXXX, XXXX, and XXXX reports. 

Please add my contact telephone number to my credit report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I Express mailed Qualified Written Request '' QWR '' to XXXX XXXX XXXX, XXXX. as the lender and Trustee and to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX another Trustee. 
I only heard back from XXXX XXXX bank stating they would forward the QWR to the servicer. I never heard another word from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I have various credit cards with Capital One and they are an excellent company! I truly love them but they have not fixed the late payments that show on my credit report and I am trying to remove those late payments from my credit report since I am trying to buy a house and they are affecting my credit score. 
Late payment dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have various cards with capital one but it is the account that ends in XXXX that was opened in XX/XX/XXXX with the credit limit of XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: AL
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:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS AND ONE ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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