BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX. The company sent corresponds as to what they believe is proper validation of the account, however by doing this it was found that XXXX XXXX XXXX XXXX XXXX failed to include their NC license permit number ( XXXX ) on the stationery/correspondent form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence.

All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency.

The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) XXXX XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance State Laws & failing to abide by the Fair Credit Reporting Act.

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The account in debt collection assigned to this company must be deleted as the company collecting on the debt ( XXXX XXXX XXXX, XXXX ) violated not only federal laws, but also state laws mandated by the North Carolina Department of Insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On paper work it says There are funds being held in suspense, a holding account for unapplied payments. The supervisor said the money of XXXX was applied on XXXX XXXX. This is false I payed my Monthly payment of XXXX This is the confirmation XXXX. I am being lyed to and i want the money sent to me by check or applied to Escrow

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 2021-07-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with 12 XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING LLC plus they did not provide me with the original application like I asked. 

Account XXXX Amount Disputed : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: IL
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 trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, Experian and XXXX  and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.

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 2020-06-29
Company: EQUIFAX, INC.
State: IL
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 trying to resolve a disputed error on my credit report with XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX, MN for more than a year and to no avail have they responded to the error made on my credit report. To date, it continues to show a late payment entry of 60 days back in XX/XX/XXXX as that is impossible since the account was closed and transferred to another lender with the same account number and that one showed no late payments and paid-in-full. It appears that I have a double entry for two of the same accounts. After being assured that all would be resolved, all ( 3 ) credit bureaus still show inaccurate payment information. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus Equifax, XXXX  and XXXX  and creditor directly. On XX/XX/XXXX, I submitted this directly to CFPB Agency and they have confirmed and received documented information re ; this dispute from XXXX XXXX  XXXX XXXX Iowa and XXXX XXXX XXXX XXXX, MN that they were not able to verify any late payments and the inaccuracy reporting on my account should be removed by all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Thrash and Thrash, PLLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A few of years ago in XXXX or XXXX I took a {$300.00} payday loan online. I then fell on hard times and couldn't pay it back. My payday loan was then turned over to collections and picked up by Thrash and Thrash PLLC. I have been paying them {$85.00} a month for the past year totaling over {$1000.00}. Even during the pandemic when I lost my job, I still tried my best to make a payment and I called and spoke with personally if I couldn't. Then on XX/XX/XXXX I get a letter from them offering me a " settlement. '' Again, the initial debt was from a third party and was {$300.00} in entirety. Thrash and thrash sent me a letter offering to settle my account for {$2600.00}. They claim the full amount is {$3300.00}. If I don't pay this amount they will continue to compound the interest again and again preventing my from ever been able to pay it off. Also, if I stop paying, they will threaten to garnish my wages and add derogatory remarks on my credit even though I've already paid them over {$1000.00} when my initial debt was on $ XXXX.I need help. My car didn't even cost {$2600.00}. I can't afford to continue paying them all of this money when the debt should have been settled at this point. This business is literally robbing American people. It is also a gross misuse of power and disgusting to ask someone to pay so much for a {$300.00} debt during a pandemic or at all. Everyone is struggling but they literally do not care and must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: AL
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 been trying to unlock my credit report file with Equifax through their website called my Equifax. I kept getting the notification to call the company, so I did, I was able to verify all of my information to unlock my credit report, but they could not reslove the problem, so they asked me to fax my information ( license, social security card, proof of residence ). I did so on XX/XX/2020, I waited some time and called to verify it was received, they told me that they didnt receive any information so I sent it in again on XX/XX/2020. I called in today again to verify that they received my information and was still denied. I have a copy of my transmission retrieval fax confirmation for both times I sent them in. I also have the correct fax numbers used, verified by equifax. The were not able to give me any answers to why they haven't received my info and also asked me to send it in for the 3rd time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have been trying to reset my password to access my account for 2 weeks now. I am unable to reach American Express Bluebird on the phone. When I call it says my social security number is not found then the call ends. 
I have tried to request a password reset email numerous times and have not received it. 
I am not given an option to speak with a customer service representative. When I select " 0 '' the call ends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Companies involved : Chase corporate headquarters and XXXX XXXX. 

Complaint : XXXX XXXX reported a fraud to chase bank and the police department. This fraud eligibly started with a breach in an email correspondence between a vendor and us. The buyer received the products that were ordered from the vendor and we used the same email we have been corresponding with the vendor and requested bank information. A hacker intercepted the email preventing the true business/vendor from receiving the email asking for bank information. Thus, the hacker provided, what we did not know was personal bank details. An ACH payment of {$7500.00} was made on XX/XX/XXXX and addressed to a business name, XXXX, with the bank account information provided from the email. However, the account number was to a XXXX personal account, not the business we addressed it to. The ACH should not have gone through as the name did not match the name on the receiving ends account. For an ACH payment to go through, all information must match and in this case the information did not match. 
After speaking with several associates form JP Morgan Chase, no one was willing to assist us with this matter. We were told we should contact the bank the money was sent to. So, we contacted XXXX, informed of the situation, and that we have a police report regarding this issue. XXXX told us that this matter must be settled between the banks and they are not permitted to assist us because we do not have an account with them. We then contacted chase corporate office who informed us they would do their best to assist. We never received a follow-up call, as we were told we would. When we called to request an update on this issue, we were transferred five times and were on the phone for 1.5hrs. Finally, we were transferred to the correct department and the woman gave us the same answer as all the other people we spoke with, I will speak to the claims department and will get back with you. We have yet to be informed of a solution. This has been an on-going process for over a month and we still have yet to have the funds returned. 

XX/XX/XXXX I tried calling XXXX from corporate for an update, but only got her voice mail. I then called Chase branch on XXXX XXXX XXXX and spoke to XXXX who said he would speak with his branch manager XXXX, to see if there is anything he could do. 

On XX/XX/XXXX XXXX spoke to XXXX from Chase corporate who informed me that she could not locate a reference number on this case, but she would create one ( XXXX ) and escalate this case to claims/fraud. 

XX/XX/XXXX XXXX XXXX transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who then transferred me to XXXX . All this within an hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On friday XX/XX/XXXX, I registered on the webpage of the citibank and I contacted them to update my telephone information. 
Monday XX/XX/XXXX in the morning, I made an international online transference from the citibank to the a foreign country ( XXXX ) of XXXX dlars. Then on tuesday I recieved an e-mail that said that I had to call the bank to verify the information I gave online, if not they would cancell the transaction. So I called them around XXXX o'clock, and gave them all the information they asked for. At XXXX o'clock I recieved an e-mail message saying that I didn't contact them so they cancelled the transaction and I also found out that they have blocked my debit card. On wednesday XX/XX/XXXX I called to ask what happened, they told me that the number I had updated could not be in use because it is a foreign number. I am currently living in XXXX and I don't have another number in the United states. They told me they can't solve me the problem and that I have to wait for them to contact me so that they can unblock me my card. I told them I need the money urgently. But they didn't offer me other solution. Aditionally, when I updated my contact information they didn't say anything about if there was going to be a problem if it was an international number.

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 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called to capital one on XX/XX/2020 to settlement for deletion of the account.I send them the payment via money order and it was 2 checks for {$600.00} a pay check of a total of {$1200.00} for the deletion of the account and they failed to delete the account Im going to attach pictures from what I did. I want this account deleted from my three credit bureaus ( XXXX, XXXX, XXXX ) immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hello, good morning. i applied for XXXX XXXX one year ago after providing all documents that SBA required and i have been approved the XXXX XXXX and get fund to my bank account the XXXX XXXX. The XXXX XXXX, i went to the Capital one Bank to make the transfert of a part of this amount to my saving account to the XXXX  XXXX XXXX. The teller told me that she can not do that because i have a personal account with them and they can not do that .And i said ok i want to withdraw my money so i will put it in my saving account to another bank.She said she need to call first the upper management i said ok .after 25 minutes waiting i got the upper manager who told me that i am on ivestigation i said ok why? she did not really told me why. she said i am in still in investigation i asked how long it can take because i want to invest in my business .She said, she did not know. after a month and one week i called again capital one bank and i told with upper manager why they are still holding my sba fundind since one month i told then that i am XXXX years old. i am financially responsable for the loan i got. so i do not know why my fund it still holding. that is the raison why decided to file this claim so this situation will be resolve. the amound that the SBA loan fund me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had an account with BBVA, and on XX/XX/XXXX I opened a dispute for non authorize transactions with my debit card. on XX/XX/XXXX my account was closed without any warning, letter, contact or anything telling me this bank desition. 
until now I dont know why my account was closed and they 10 days that they have by law to answer or give a provisional credit. 
I called many times to customer service and they dont have an answer. 
I need the credit disputed mailed by check to my address on my profile with the bank. 
Claim number XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from Capital One, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice from collection agency Calvary Portfolio Services dated XX/XX/18 about a debt they say I owe. I have sent Calvary Portfolio Services letters requesting validation of this debt under the Fair Debt Collection Practices Act, 15 USC 1692g Section 809. I mailed the first letter by certified mail on XX/XX/18 asking them to provide me with competent evidence that I have any legal obligation to pay them along with several items. Calvary Portfolio Services responded to my letters but did not provide any of the answers I had asked or properly validate the debt they say I owe. They only provided me with t of bills of alleged charges they claim I owe, which does not meet Federal Trade Commissions guidelines of what constitutes proper debt validation is. I responded with a second letter mailing it on XX/XX/18 requesting them to validate the debt and informing them of their violation of the FCPDA. I have included the letters that I sent to them requesting this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Good morning, RE : Planet Home Lending We have been trying to get a payoff for a customer, on a VA refinance, since XX/XX/XXXX. Since then we have sent over many requests and spent hours on hold and on the phone with representatives. The customer has called as well and still no payoff. I have spoken to XXXX, XXXX and XXXX and they all say they can not get a supervisor on the phone. My customer is going to have to extend the lock. They now say that we need to send over a CD in order to get a payoff. I have been in the business for over 25 years and never complained about anyone but this is blatant denial to send over a payoff. I don't know what else I can do. I would be grateful if you good give them a call. So frustrating. 
We still have no payoff. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Client Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Beginning on XX/XX/2021, I started receiving calls from an unknown company named Client Services , Inc., a company I learned through XXXX to be a collection agency. They placed incoming calls from the number XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX of which I answered, but the call was automatically cut off. I also attempted to call back on XX/XX/XXXX but the line would not connect. Finally, on XX/XX/XXXX, I received a call from an alternate number, XXXX, and an actual agent was on the line. When I heatedly informed her that I was aware of the nature of her business but not my business with her and demanded to know why they were making these harassing calls, she became quite belligerent and, after checking her papers, told me she was calling about my {$3000.00} credit account with XXXX XXXX. 

Although they have lovely furniture, I have done business with XXXX in my life and own none of their pieces. When I informed the agent of that, she told me to hold on ( shuffling papers, whispers... voice returns to line ) - Oh yeah, I had the wrong information here. I told her, " That's right, you do, '' and ended the call. I am confused by the mix-up, but I'm furious about the harassing tactics that they used. This mix-up could have been much easier resolved if they simply spoke to me on their first call like an actual professional company - or if somebody even answered the callback number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation