BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had received numerous robocall from Aldous & associates P.L.L.C. After calling back on XX/XX/18, the representative named XXXX XXXX told me I owe money from gym membership. When I wanted proof of this claim in the form of singed contract / agreement, the company told me that they already mailed a letter to me which I had never received. When I requested them to send me again, they told me that they are not sending me the proof and didn't explain the breakdown of the amount. Yet the representative threatened me to report to the credit bureaus. The representatives remarks were threatening and unreasonable. These threats without providing proof of the claims and without explaining the amount of the claims, has caused emotional distressed in me. This emotional distress has hampered my personal and professional life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: NY
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:
In XX/XX/2018 I discovered a XXXX  XXXX XXXX XXXX XXXX ( XXXX  ) credit card on my credit report. I called the bank and they said I opened this account some two years earlier. I reviewed my records and I believe that this account is not mine and I contacted XXXX  and told them this account was not mine and that they should close it asap. 

The account has a XXXX balance and they refuse to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
US Bank has notified me that i have a escrow storage of {$3000.00}. I called the escrow people on XX/XX/XXXX and was told by the agent that when I filed for Bankruptcy in XX/XX/XXXX, USBank bankruptcy people took {$2400.00} from my escrow account and never returned it. That never told me about this. It may be more than that. 

The bankruptcy was discharged XX/XX/XXXX and i kept my house as i was current on the payments. They withdrew money from my escrow account for some other purpose than covering taxes and insurance. AND they never told me. And never returned it. 

They also did this in XX/XX/XXXXwhen they mistakenly paid for two homeowner insurance policies. I had that fixed and repeatedly asked if my current payment of {$960.00} was the right amount and have letters saying that was correct. 

XXXX XXXX in the bankruptcy was supposed to call me but to date has not. 

I need a full review of payments and withdrawals from XX/XX/XXXX to present. 

No matter what the outcome, USBank must be required to stop withdrawing money from escrow without telling me immediately! And not use escrow for other purposes then taxes and insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30
Company: PNC Bank N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/ 2017 I received a call at home from the fraud unit of PNC Bank stating there were 2 fraudulent charges on my credit card. Someone managed to get a copy of my card and purchased 2 XXXX XXXX  for a total amount f {$2000.00}. It would be physically impossible for me to do that. I was at work or on my way home from work in XXXX, NJ and the phones were purchased in XXXX, NJ. No one else that I know of had possession of the card. Someone has clearly cloned the card. 

The investigation dragged for months with the person from the fraud unit barely contacting me. 2 months later I was told to file a police report but with no clear direction where it needs to be filed and being I had destroyed the card in question, I wouldn't be able to provide that to the officers. I would lose at least 2 days of work having to do this. When I would try to call the fraud investigator, I couldn't even call her directly via her extension on the papers she sent over. She had the wrong number. 

When I was finally sent a copy of the receipts, the signature is clearly not mine. I do understand that it's one of those signature pads but that is not how I sign my name on those pads.

Last week, I manage to escalate this to a manager in the retail escalation unit and she leaves me a message it was " resolved ''. Resolved meant that I was charged back for those phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Fay Servicing, LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2016 I paid income tax on XXXX discharged debt evidenced by a XXXX cancellation of debt ; however Fay servicing, a third party, continues to list it as an interest deferred principal I want this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: CBC Companies, Inc.
State: MO
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:
Factual Data has now run a hard inquiry on my credit 2 times in the month of XXXX without my consent. 

Filed a complaint with the CFPB after they didn't fix it the first time and they got the inquiry removed. 
When I saw the second one come through on XX/XX/2021, I requested they remove it, which they agreed to do, but its now XX/XX/XXXX and the inquiry has not been removed. 

The company needs to stop running my credit, without a reason to, and request my consent if they do need to run it. 

I was shopping for a home loan this month, and was very frustrated to see the inquiry had dinged my credit score. I have been guarding my score very closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 was alerted Through XXXX that a new credit card inquiry was placed on my credit report. Upon further research, I discovered a new credit line was opened in my name under Capital One. I did not open this account nor did I acknowledge this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
Company: Convergent Resources, 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: Account information incorrect

Complaint:
Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 ) Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors  ... ... 

After checking my credit reports, I noticed a collection from XXXX XXXX. 

1. On XX/XX/XXXX, I sent XXXX XXXX two Debt validation letters ( attached ), certified mail ( return receipt attached ), pursuant to FDCPA 809 stating that i dispute their claims in their entirety. 

2. On XX/XX/XXXX, I received a letter from Convergent ( attached ) stating the debt and account were verified and they attached a bill from XXXX that had another person 's name on it. 

3. Therefore, on or about XX/XX/XXXX, I sent another letter ( attached ) to Convergent with my Drivers license, certified mail ( return receipt attached ) stating that the name on the bill was not mine and they were in violation of FCRA 623 ( a ).

4. On XX/XX/XXXX, I received another letter ( attached ) from XXXX XXXX. This time they sent a longer bill but the bill still had another person 's name on it. 

5. I disputed the information with XXXX, XXXX, and XXXX  ( certified mail ) and XXXX   and XXXX came back that the information was accurate and verified ( credit reports attached ).

Convergent is knowingly and by their own admission reporting false and inaccurate information to the credit reporting bureaus. The name on the bill is not my name.

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 2018-01-30
Company: Student Loan Care, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX. email to company XXXX XXXX XXXX XXXX XXXX Hi , I called to get my account canceled in XX/XX/XXXX. I was under the impression your company was working for the government helping me pay off my student loans. I was scammed. Now I'm upset because it hit my credit score. However, I had no idea I was taking a loan out from your company. I need this off my credit and I need to speak to someone in higher management to reconcile this out. 
Please let me know what actions needs to be done to get this cleared up. 

Thanks. 

XXXX Texted me XX/XX/XXXX Telling me I have 72 hours to respond or they are going to a third party for collections. 

Emailed me yesterday XX/XX/XXXX You have Defaulted on your Student Loan Care/XXXX XXXX payment agreement. You have 72 hours to respond to this correspondence. We have attempted to reach you and receive approval for the XXXX XXXX loan forgiveness program offered in XX/XX/XXXX for past due XXXX clients that have a hardship, but since no response or attempt to postpone your payment has been given, your original contractual agreement will become effective immediately, and all past due, fees, payments, and interest will be solely your responsibility. XXXX XXXX and Student Loan Care reserve the right per agreement to utilize 3rd party collections which are included but not limited to legal, credit, and stage 4 collections. 

XXXX XXXX XXXX Student Loan Care LLC. 
Consumer Services Advocate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX P XXXX F XXXX E XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CORELOGIC INC
State: MN
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:
On or around XX/XX/XXXX i applied for a mortgage, i received 2 credit inquiries on my credit report instead of one. One was on XX/XX/XXXX and the second was on XX/XX/XXXX under the creditor name CREDCO. I want one of the 2 inquiries removed so it does not drag my credit score down even more

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 2021-11-08
Company: Rauch-Milliken International, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I own a XXXX XXXX  in XXXX XXXX, NC called XXXX XXXX. The collection firm Rauch-Milliken International Inc. , located at XXXX XXXX XXXX XXXX XXXX, LA XXXX and with a phone number of XXXX, contacted me repeatedly and was abusive each time. The caller was Mr. XXXX. He was sarcastic, demeaning and made untrue claims. 

I told him that the debt with XXXX XXXX was in dispute, that the company making the claim had withdrawn thousands of dollars from my business checking account which were not owed to them and we had made repeated efforts over the phone and in email to resolve discrepancies and double billing. When they were recruiting me as a client, they made numerous misrepresentations on billing and pricing. We even received a personal phone call and written letter of apology from the Corporate President of XXXX XXXX for illegally debiting my account for over {$10000.00} for debts not owed and without my permission. They claimed this was a " glitch '' and it took a long time for them to refund my money on payday and during the holiday season. Then it happened again. 

Despite this, Mr. XXXX has continued to send us threatening letters and take us to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. XXXX  sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.

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 2021-03-25
Company: Google Compare Credit Cards Inc.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
For the past 15 months XXXX XXXX has been aiding and abetting Google in the theft of my money. 

Every month I receive a {$1.00} charge, but no one will tell me what it is for. I have contacted Google and they will not stop charging me. They refuse to provide a receipt or even tell me what the charge is for. 

XXXX XXXX will not stop the merchant from charging my card. I have gone as far as getting a new card with a new number, but XXXX is giving this information to Google and the charges have somehow continued on the new card number. 

So far I have contacted : XXXX XXXX City Police XXXX Google XXXX Bank Congressman XXXX XXXX ... and others and yet no one has helped me. 

I will give credit to XXXX XXXX ' office, as that person said they reached out to Google, but Google is not responding to them. 

I have spoken to over 20 different reps at Google and no one will help me. I have contacted Citi and they told me there is nothing they can do and that I need to resolve it with the merchant. 

I feel completely helpless and taken advantage of as this has gone on for over a year and I do not know what else I can do. 

PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for XXXX on XX/XX/2021, at the XXXX XXXX XXXX XXXX, sc XXXX. On XX/XX/2021, the check was returned unpaid. The bank said it was fraudulent check, they cleared the check so I thought it was a good check. It came to me in a priority mail. I have a message saying it was a covid relief check grant. Know the bank is saying I'm responible for the deposit and they was going to cancel my account if i do not pay this in 60 days. They deposited the check into the wrong account. That account belong to my daughter. Her account has been connected to my since she was in college.

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 2021-11-08
Company: Experian Information Solutions Inc.
State: NC
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 has conducted a hard inquiry against my credit and it is on my XXXX XXXX XXXX credit reports. I have no accounts with them have never applied for anything through them and they agree upon discussion with them. But they can not provide any details or do anything about the inquiry. In short, there may be a credit card out there which I have not applied for being used by someone not me. I have worked hard to have perfect credit. And this unauthorized inquiry is now on my report, and maybe worse in ongoing. It is boggling to me that they can just say sorry we have no record of this when it is clearly in their systems and there is a hard record of their inquiry. They even called me with a potential fraud alert ( no idea how they got my cell phone number ). That is the only reason I knew it was ongoing. 

Inquiry details : XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX DE, 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 2018-01-30
Company: BlueChip Financial
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX first called me representing XXXX XXXX XXXX. XXXX aXXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX The address didn't exist in XXXX XXXX, XXXX, or XXXX XXXX. It's a vacant lot and building on XXXX XXXX. So he threatened me with court and jail. The more questions I asked about the company the angrier he got. So eventually he said XXXX was the original debt but not to call them, to handle it through them. I refused. I then called XXXX they sent the debt to XXXX XXXX XXXX XXXX. U called them. They sold debt to XXXX XXXX XXXX. I called them at XXXX and talked to XXXX. I set up payment. I then forgot about it and see when the went to withdraw funds it wasn't there ( Friday XX/XX/18. So today XX/XX/18 XXXX XXXX calls from XXXX. He says he is from XXXX XXXX XXXX. XXXX XXXX XXXX, Ga. He again threatened me with court and jail. So I said why aren't you calling from an XXXX number. He got angry again. Said to call back XXXX. So I did. Company at that number is supposed to be XXXX XXXX and spoke with a XXXX again. Who had no physical address to give me. She says she sent an email. I haven't received yet. I feel all companies involved are scams. Not had supervisors. And no company let 's you talk to the same people when you call an XXXX number. So as far it seems this person XXXX is directly working with XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, my PayPal account was permanently locked with {$38.00} in pending funds. I called PayPal customer service, and they could not provide a reason for the lockout or any support in remedying the issue. To my knowledge, there is no behavior on my account that should have caused this. My PayPal account reads, " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They want to make payments on a monthly basis, they do not give me the option of submitting the payments in a more comfortable way for me. I explained that due to economic situations that I am slowly solving, I can submit the corresponding payments. 

They even asked me if the IRS submitted a payment and that way I paid them the money, I explained that in the case of Puerto Rico it is different and they also asked me in a harassment way if I was married and that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
He venido haciendo seguimiento a mi score los ltimos meses, y he notado un balance incrementado cada vez que se actualiza mi nuevo score de $17 y $1, lo que estn haciendo esta afectando mi crdito gravsimamente, no pueden reportar un balance incrementado sobre todo si ya cerraron la cuenta as que les pido que no lo sigan haciendo antes que tome otras acciones.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2019, {$14000.00}, XXXX XXXX XXXXXXXX XXXX - States that I have been paying on this account sence XXXX till this present date and the amount has not ajusted. The account also state that I have been late for 90 days in ONE month, the of XX/XX/2019. The monthly payment is inacurrate also. I have attach copies for proof.

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