BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Claimed debt is owed but never heard of the company and never had an account with them. Tried to solve with the company and no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Radius Global Solutions LLC
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  CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX Radius Global Solutions Radius reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX  and XXXX. Thank you

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 2019-07-13
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I signed up for a Citibank Priority account with an advertised bonus of XXXX AAdvantage miles for 1 ) spending {$750.00} with the Priority debit card and 2 ) making two consecutive bill payments within 60 days of opening the account. On XX/XX/XXXX, with 6 days left to spare for me to complete my requirements, I chatted with a Citibank representative who specifically confirmed that I had completed all the necessary requirements and that the miles would be deposited to my associated AAdvantage account by XX/XX/XXXX. After the miles were not deposited by today, XX/XX/XXXX, I spoke with a gentleman over the phone who said that while I met the {$750.00} minimum spend, my bill payments for XX/XX/XXXX did not qualify as the correct type of bill payment needed to satisfy the bonus requirement. 

Had the representative I spoke with on XX/XX/XXXX given me the correct information, I would have still had 6 days left to complete " the right kind '' of bill payment that the gentleman today was referring to. Instead, Citi confirmed that I had met all the requirements and that no further action was needed, only to change their position today. 

I have attached screenshots of the entire chat from XX/XX/XXXX below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a XXXX XXXX credit card with a credit limit in XX/XX/2011 with a limit of {$1500.00}. Now a collection agency by the name of midland funding llc is trying to extort {$3500.00} as of today and it is no longer a credit card account but account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: JPMORGAN CHASE & CO.
State: WA
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:
Chase Sapphire Reserve Credit card fraud detected on card in XX/XX/XXXX for various charges, including one for 'XXXX ' of {$19.00}. Credit card was closed and new card was issued. Fraud charges in XXXX were confirmed fraudulent, no issues. A few months later fraud charges start again on the new card for 'XXXX ' and XXXXXXXXXXXX  ', and appear to be a reoccurring charge by those websites. I have never had an account or purchased any goods or services from either site, however, those charges at the end of XXXX, and into early XXXX continued without my knowledge or consent. I have now learned that Chase will allow charges to a closed account if it falls within a certain timeframe for reoccurring charges, and is communicating the new card info to the service making the charge ( perpetuating charges from a fraudulent service ). This is marketed as a feature to help ease transition to a new card, but in fact it enables fraudsters to take advantage of this 'feature ', now at my expense. Several charges from XXXX hit in the month of XX/XX/XXXX, which then caught my eye when reviewing the account, and I reported the fraud, including the backdated fraud charges. Card was cancelled, new card was issued in XX/XX/XXXX, and fraud charges were removed from my account. The chase fraud department sent a letter in XX/XX/XXXX that I received a benefit from all of these transactions, that I was liable for them because of that, and all charges were readded to my account. Several attempts to contact Chase Fraud dept. have failed, no response, and customer service reps are unable to action anything as the Fraud dept owns this. Chase is falsely advertising the CSR card benefit of 'Zero Liability Protection '.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I recently opened an account with PayPal. After having it open for 3 days they flagged the account and had me turn in proof of my business. After sending in proof they alluded to my business being something totally different then what it is and with out verifying that info was factual they closed my account and now are with holding {$4800.00} of my money for the next 180 days. They say its for charge back protection purposes but wont let me refund the customer their money so I can process it through my previous merchant nor will they release it to me. I see no purpose in them holding my funds. If they dont want to do business with me for whatever reason they have that right but they dont have a right to with hold my or my customers funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I FILED A COMPLETED LOAN MODIFICATION PACKAGE PRIOR TO THE SALE DATE IT WAS TIMELY DELIVERED TO XXXX XXXX XXXX AND XXXX XXXX  XXXX XXXX ON XX/XX/2017 THE REASON FOR THE LOAN MODIFICATION WAS TO SAVE MY HOME THE PRINCIPAL BALANCE WAS XXXX ITS WHAT THE CONTRACT SAID THEN XXXX XXXX CHANGED THE BALANCE A DISPUTE EVOLVED BETWEEN MYSELF AND THE COMPANIES. I WROTE NUMEROUS LETTERS TO RESOLVE THE SITUATION I HAD XXXX XXXX XXXX XXXX ON BOARD TO HELP MY SITUATION BUT I KEPT GETTING THE RUN AROUND MY FILE WAS RUDELY MOVED TO PURETO  RICO AND THATS WHEN ALL CONFUSION AND XXXX BROKE LOOSE " PUERTO RICO '' OF ALL PLACES THEN I WAS TOLD WAIT ON THE REVIEW AT THIS POIN I LOST TRUST IN THEM SO I FILED A BK TO PROTECT MY RESIDENCE ON XX/XX/2017 I WAS AT A SCHEDULED BK  COURT DATE THE MORTGAGE COMPANY MENTIONED AND THE TRUSTEE ALONG WITH MYSELF WERE ALL TO BE THERE AT THAT COURT DATE I WAS TOLD BY THE JUDGE TO CONSULT AN ATTORNEY TO MY SURPRISE AND SHOCK I FOUND OUT ON THAT SAME DATE XX/XX/2017 A TDUS WAS BEING RECORDED AND I KNOW LONGER OWNED MY HOME WHILE MY LOAN MODIFICATION WAS STILL BEING PROCESSED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe XXXX XXXX XXXX Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.

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 2019-07-13
Company: Eagle Accounts Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a problem with multiple collections held and reported by Child Support Enforcement, even though I have provided proof of dismissal by a judge. 
The documents have been sent by myself to the top 3 CRA 's and I have petitioned XXXX numerous times beyond measure to update their database on me. All queries have gone unanswered and unverified. This is to the point of harassment as it affects my life in a financial nature. 

I am current on all payments and the amounts reported by XXXX that are inaccurate must be removed from my file and updated.

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 2020-06-26
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX    XXXX, XXXX with a balance of {$150.00} -This is not my account.

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 2018-10-15
Company: Capital Accounts, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Portfolio Recovery is contacting my work at least 3 times weekly even after I have asked them not to. I dont have any money owed to anyone. I pay my bills. However this company continues to contact my employer, harassing me and embarrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XX/XX/XXXX payment was 2 days late but the minimum payment was made, the next month they increased my minimum payment requirement, my pre-scheduled XX/XX/XXXX payment was early, I thought, but not for the whole minimum payment amount since I had pre-scheduled it and not realized they had increased it, so the remainder of the minimum payment, {$9.00}, was 3 days late in XX/XX/XXXX, now my XX/XX/XXXX minimum payment has increased again. 

Can they really charge me late fees, increase my interest and increase my minimum payments, even though my account is current? Where can I find a rule to tell them they can not keep increasing it? 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have spent a large amount of time over the past five days trying to get the security freezes temporarily lifted at XXXX, XXXX, and Experian. Working with Experian has been nearly impossible. I have accounts with all three, but only Experian 's website goes conspicuously out of it's way to both provide no information on freezing/unfreezing when logged into their site -- instead shepherding users toward a paid locking service. Likewise, Experian 's external freeze/unfreeze website was the only site that refused to accept my log in information. The same was true when I called Experian. Ironically, one of the items that might of tripped up Experian was their own wrong information regarding my father being alive and owning property in California -- he passed a decade ago and has no property.

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 2020-10-10
Company: RSI Enterprises, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was not owed bc they said it was paid the co- pay and Im insured through them. Its not mine and I demand it off collection immediately. If its not off I will sue them and be in the tv. Exposing them and during them to the fullest. I demand it off my credit. I want it off with XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Chase Bank of XXXX XXXX, I then a few years later moved to XXXX   and was working part time with my mom during the pandemic. I virtually deposited two checks from my moms company into my Chase account. Chase then accused my checks as fraud and closed my account without even attempting to confirm the checks with the company or even reaching out to me with the concern. After almost two months of phone calls to the branch and customer service I am being taken round for round on what is really happening to my money. I was told I would receive a check in the mail with my remaining balance on it. I waited a month and nothing came so I called again. They told me to be more patient. So I did. I waited another month and now Im being told by one person my check was sent on the XXXX of XXXX but another person is telling me they still need to confirm with the company that the checks can be cleared. Im fresh out of college and the amount of money may seem small to some but to me it means a lot. Im in a tough spot and really need my money but everyone I talk to continues to tell me they cant help me, they transfer me to someone else, and the cycle repeats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Last XX/XX/XXXX I made a balance transfer from Synchrony ( Sams Club ) Bank to XXXX XXXX in the amount of {$4000.00} dollars .... XXXX XXXX started charging me for the balance transfer as agreed ... Synchrony Bank never adjusted my balance for {$4000.00}, today they are charging me interest on money that they have stolen, and they have messed up my credit score for nearly 100 pts. despite the bill having been paid on time at 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 2021-04-08
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Mr. Cooper took over the servicing on my mortgage. In XX/XX/XXXX, I learned that the XXXX real estate taxes were not paid from the escrow account on time. In late XX/XX/XXXX, Mr. Cooper finally paid the penalty and interest charges assessed by XXXX XXXX XXXX for the late payment of real estate taxes. However, the failure to pay the real estate taxes before XX/XX/XXXX resulted in the loss of a tax deduction on my XXXX income tax return. As a result, I am out of pocket {$520.00} due to their negligence. 

Since the additional income tax was directly attributable to Mr. Cooper 's failure to pay my real estate taxes on time, I am seeking damages equal to the additional tax that I incurred XXXX {$520.00} XXXX. Although I have countless hours invested in getting this situation cleared up, I am not asking for any additional compensation for my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My positive XXXX credit card payment history is not being reported by experian

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 2022-08-10
Company: EQUIFAX, INC.
State: OK
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:
When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) but they are failed to respond in my complaint. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021. I received a call from US Bank Cardmember ServXXXX asking me if I had a card number ending in XXXX. I was confused because I do not have any card ending in XXXX. Later I learnt that this card ending in XXXX was the replacement card for the XXXX XXXX XXXX, but I have never received the card. The representative said there were suspicious transactions and believed there were fraud activities going on. I made sure that I do not own the card and I did not make any transaction using the card. She assured me that everything is taken care of and closed the account immediately. The total amount of {$4000.00} were made on XX/XX/XXXX and XX/XX/2021. I don't even know the whole 16 digit card number as I've never received or seen this card. 

3 weeks later I received letter from US Bank Cardmember Service claiming that after their investigation, they will make me liable for these charges. The reason is the card was activated from a phone number that is shown on my account. US Bank also called that phone number to verify. This is ridiculous because I never have that phone number. I tried to work with their agents and all I learnt that all they did is keeping calling that fraud phone number to verify, which is totally illogical. 

The issue is obvious. Someone hacked into US Bank Cardmember Service system and added a phone number to my account. With this phone number added, they may have changed my address so I never received the card. They activated the card using that phone number without being confirmed of the identity. US bank does not do any identity check but just use that phone number as identification. Whoever owns that phone number is the apparent criminal of this case. 

US Bank Cardmember Service should do the real investigation to chase the criminal who hacked into their system, but they did not. Instead, they simply blaming it on me stating that since the phone number is on the account, they are making me liable for these fraud transactions. This is totally unacceptable.

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