BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I mailed off a " Request for Validation, Not Verification '' letter to " Collection Bureau Hudson Valley '' ( CBHV ). The company received my letter on XX/XX/2020 and someone from the company signed for it. With my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. Within the 30 days I did receive a response from CBHV but it was just a billing statement, nothing that I asked for in my first letter to them. I responded back with another letter asking them again to validate my debt under the Fair Debt Collection Practices Act. They did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. The documentation CBHV provided in no way provides sufficient verification of the debt. I was expecting to hear back from CBHV to have this account removed from my credit report but I haven't heard anything back. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This complaint is regarding Credit Acceptance. I became one month behind ( I have been paying consistently since XX/XX/2016 ), and they have used this as an opportunity to continually raise my payments ( which I have not missed ). They call me constantly at work and on my cell phone. If you are off by a day or two, they state that you broke your agreement, and raise your payments and threaten to repossess the car. I bought a XXXX XXXX XXXX which has a XXXX XXXX XXXX value of approx. {$5000.00}. They reported on my credit report that I am financed for {$10000.00} but I actually am financed for {$19000.00}. This company takes advantage of borrowers that have lower credit scores, and they feel they have the right to rip them off. I am paying 4 times the actual value of the vehicle. I can't imagine what these people do when customers are really behind on their payments. One lady stated to me, " don't be a day late or a dollar short, or we'll reposess the 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 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My capital one credit card account ending in XXXX has my registered closing statement date on the XX/XX/XXXX of every month. For the month of XXXX i made a payment that took several days to process from my external bank account. The payment was received and approved by Capital One on XX/XX/2020. And even though the account was paid in full before the statement date Capital One in violation of its cardholder agreement proceeded to charge me interest further attempting to collect on additional interests and fees. I have included pictures, and statements as evidence that Capital One is clearly abusing their cardholder agreement. I have reached out to Capital One and the representatives refused to adjust this and amend their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against two XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX  XXXX, and XXXX XXXX XXXX., d/b/a XXXX  XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0. 

To learn more, read Buying & Owning A Car.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.

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 2022-02-02
Company: CITIBANK, N.A.
State: NY
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:
I previously submitted a complaint regarding my citibank XXXX  charge. I was contesting a charge in the amount of {$360.00}. 

Citibank refuses to issue a determination based upon the facts submitted. 

I received a letter indicating that initially I disputed the charge as " not as described ''. Citibank requested additional information, which I provided. However, Citibank claims that the additional information I provided indicated that the charge was " unauthorized '' versus " not as described ''. 

So, as a result, Citibank refused to make a determination based upon the merits of my dispute, but rather denied my claim because, essentially, I " checked the wrong box ''. 

I am attaching my response to Citibank 's letter. 

I am also attaching a listing of dispute categories provided by Citibank 's online dispute center ; please note that the choices are preceded by the statement " Pick the one that fits best ''. 

Therefore, Citibank itself is acknowledging that their dispute categories may not exactly correspond, yet I am being penalized and not being given a decision because I picked the wrong category.

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 2020-02-27
Company: EQUIFAX, INC.
State: NV
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:
There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX/XXXX  XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX XXXX I Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I deposited a check of amount {$100000.00} to my saving account in a branch office of Chase Bank on XX/XX/2020. Chase Bank held this deposit until XX/XX/2020. I sent a secure message on Chase online bank to inquire about this, the customer service reply me they did not reply my question through the secure message, I must call a phone no. if I want to know the reason. I do not want if this is a special way to treat their customer 's concerns. But I think they hold my deposit without any reason is unacceptable thing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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:
I have contacted Experian about inaccurate information on my credit report due to fraud and identity theft on numerous occasions on XXXX, XXXX, and on XXXX to remove inaccurate information from my credit report because it is a result of identity theft. Experian try told me that the information is fractured.

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 2018-01-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase is misleading in the withdraw process. Easily accepts funds, yet has insane need for username and passwords to access my accounts. I have {$590.00} in my US wallet. The 2 options to withdraw have completely unreasonable personal info requirements. 
I would like some help in resolving this issue. Username and password into my account accesses several accounts. Never going to do that. 
A more reasonable bank account number and routing number is more acceptable. Some way to target one account. 
Thank you for the help. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, XXXX of XXXX and XXXX of XXXX, i sent the check to pay my account in full and they never recieved the payment ... now i have 3 late payments that is not supposed be in my credit report ... i letter them to ask if they can remove it because it's not even my fault ... and i never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: FIRSTBANK PUERTO RICO
State: PR
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:
I noticed in my credit reports that even when this credit card account with First Bank was included in my chapter XXXX bankruptcy, was showing a balance of {$1000.00}, even thou says closed. I worked with XXXX XXXX and XXXX, but they give you up to 3 times to try, then I was told to contact the company directly. On the last try the company made it worst and reported a balance of {$12.00}! When the limit was {$1000.00} and should show {$0.00} because of Chapter XXXX. I wrote to First bank on XX/XX/XXXX telling them about the erroneous reporting includeing copies of the reporting agencies and my chapter XXXX discherge on XX/XX/XXXX. On XX/XX/XXXX they answered that it does not proceed because the balance is XXXX and it was paid off, but never addressed the error about the balance of {$12000.00} and that it appears as past due of {$1200.00}. This wrong information is damaging my score and all this was included in my XX/XX/XXXX letter, and they are not complying with the bankruptcy court order and discharge.

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 2020-06-06
Company: AmeriCash Holding LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a letter from an attorney that credit box has placed a collection with them for {$7800.00} for a loan amount of {$1500.00} that's XXXX in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello OnXX/XX/XXXX I initiated a wire transfer to Coinbase.com to from my XXXX bank account. 

The amount of the wire transfer was {$7000.00} to be deposited into my coinbase account within 2 days. On XX/XX/XXXXI received an email saying : " You recently sent a wire to fund your Coinbase or GDAX account for {$7000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us XXXX business days for processing. '' I was very frustrated as the owner names on both accounts are the same and Coinbase prefilled the information I needed to give my financial institution. 

I waited 7 days for this to process and finally contacted them on XX/XX/XXXX as no money was received. They instructed me to go to a certain form which led me right back to where I was in the first place to fill out information ... 

I gave them ALL reference numbers, bank wire numbers, FED reference numbers and they have gone silent. 
This money is very important to me and something I need to rely on. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX : Hilton Honors American Express Card ( HHAEC ) applied for and approved in the amount of {$11000.00} via XXXX XXXX XXXX XXXX ( XXXX ) Update Session*. 

HHAEC closing statement date : XX/XX/XXXX. New Balance : {$10000.00}. Minimum Payment Due XX/XX/XXXX : {$260.00} XX/XX/XXXX : emailed XXXX ( XXXX ), apprised XXXX our bank denied our {$11000.00} loan application, therefore we requested assistance in cancelling our recent XXXX, FL XXXXXXXX timeshare purchase. 

XX/XX/XXXX : XXXX responded our option is to resell this unit at the current resale value of {$3500.00} to {$4000.00}, latter amount was not reasonable. 

1XX/XX/XXXX : Ms. XXXX XXXX, of the Legal Office at XXXX XXXX XXXX XXXX XXXX located on XXXX, HI. Ms XXXX contacted HHAEC  on our behalf to erase our credit card balance because of the fraudulent manner my wife and I obtained the HHAEC and more importantly we are retired and are living on a fixed monthly income. In response, HHAEC reduced our 29.99 %   interest rate down to 18.74 % and also for the month of XX/XX/XXXX gave us Credit Adjustments for Purchase Finance Charges for {$750.00}. 

*XX/XX/XXXX : XXXX Update Session began at XXXX XXXX, ended at XXXX XXXX. It was 5 hour long brutally hard sales pitch by multiple XXXX individuals to my wife and I towards purchasing this XXXX XXXX timeshare. The main salesman, XXXX XXXX XXXX / RS # XXXX / effective : XX/XX/XXXX, Expires : XX/XX/XXXX. We informed Mr. XXXX that we were not in a good financial position to make this purchase at that time and we would need to apply for a loan from our bank. Following 5 hours, Mr. XXXX came up with a proposal that would help us make the down payment for this XXXX. Mr XXXX told us to fill out a HHAEC application, if it comes back approved, we'll have the down payment via the HHAEC. At this point my wife and I just wanted the exit session, our brains were exhausted from the constant sales barrage, so we gave in and agreed to purchase the XXXX timeshare. 

We feel we should be excused from all future payments to HHAEC   because we coerced into applying for this HHAEC by Mr XXXX XXXX   self serving and fraudulent behavior. 

XX/XX/XXXX : Our XXXX XXXX timeshare was recorded foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX XXXX 2017, I applied for the citibusiness aadvantage credit card based on an advertisement from citibank that I would receive XXXX XXXX XXXX miles once I spent {$3000.00} on the card within 90 days. I was approved for the card but upon calling to activate the card I was informed that I did not qualify for the promotion because I had the same card product within the last two years. This is not true ( I have not had the card in the last 2 years ) and this fact was confirmed by the representative on the line who looked at my card history with Citibank. I was told that a request would be submitted to the promotions department but since then, after five separate calls ( speaking with, among others, XXXX, XXXX, and XXXX ( XXXX ) Citi has not been able to provide me with any evidence that I have ever had a card with Citi in the last two years that would disqualify me from this promotion. I believe that Citibank should honor this promotion and extend the qualification period so that I have the full 90 days to spend the required {$3000.00} on the card.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 non-monetary relief
Consumer complaint received 2019-05-22
Company: Commonwealth Financial Systems, 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: Personal information incorrect

Complaint:
Commonwealth financial Systems debt amount is XXXX account # XXXX opened on XX/XX/XXXX and XXXX XXXXy amount XXXX the account number # XXXX this was opened in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, 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:
They refuse to correct information after being provided proof of inaccuracy On XX/XX/2020 I submitted another request to delete inaccurate information on my credit report. On XX/XX/2020 the company responds and stated that the address was deleted. However, it is still on my report. I have send 4 complaints and they say that it will be deleted but they do nothing to fix this issue.

Company response to consumer: Closed with explanation