BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
At end of XXXX I ordered a XXXX XXXX gift for my wife online from XXXX XXXX XXXX XXXX. The order was supposed to arrive before XXXX XXXX. Well the order never came I even sent a email to the company telling them I never received a confirmation order number and that I have not recieved my package. Well my Bank whitch is CHIME I had made a dispute to get my money back well Chime Bank gave me the run around told me itll take 30 days well they waited until that last day then told me my dispute was closed! And that there investigation team decided to close it out..I still have not gotten my money back so then i did a rebuttal on the dispute because there decision is wrong Ive never recieved my item and they basically took my money!! I even sent screenshots and emails to CHIME BANK from the XXXX XXXX XXXXXXXX XXXX  Where they had told me my order was cancelled and that my money was being refunded back to my account.. I sent all that info to Chime they recieved it and still did not want to give me my money they told me itll take up to 90 days for my rebuttal well they closed out my rebuttal and are trying not to give me my money thats rightfully mine CHIME BANK told me that I need to email the company and get my money back myself! I told them thats not how this goes..that Chime is my bank and I made a transaction off my chime card through there financial institution so there for its there responsibility to have my back Help me and take care of me there who I Bank with! CHIME BANK refuses and keeps giving the run around about everything and will not return my money back to me. Chime Bank has treated me very horrible and UNFAIR. I need my money back from CHIME BANK FOR {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
At XXXX on XX/XX/2021 I received a text message from XXXX ( XXXX ) XXXX purporting that they represent State Collection Service , Inc. ( aka : SCSI ) and are attempting to collect a debt. 
A link was provided, which I did not access, and the option to opt out of these notifications was provided. I responded yes to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against Equifax XXXX XXXX XXXX XXXX XXXX. I am a victim of identity theft the personnel department XXXX has blocked access to my credit report, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: National Credit Systems,Inc.
State: TX
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 checked my Credit Report on XX/XX/21. I noticed National Credit Systems Inc was reporting a claimed debt and reported as of XX/XX/21. 

I mailed a Debt Validation letter requesting them to verify the debt and I have not heard from them since. It is now XX/XX/21. 

They have been reporting this invalidated information to all 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. 

This debt has not been verified to be mine yet they are continuing to report it as such and it is doing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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: Account status incorrect

Complaint:
According to all credit reporting agencies have my student loan debt reporting 1 90 day late and nothing else my account was in Different this reported date was on or around XX/XX/2015 I need this 90 day removed from my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My cable was turned off due to hurricane XXXX XXXX. XXXX was paid through auto pay. Due to hurricane the apartment wasn't livable. We were evicted, I returned the cable equipment back to XXXX like I was told. I was told that they owed me a credit because they kept taking the auto payment out. Then when I found a new apartment they came an connected it on XXXX. Then I had the cable turned off due to death in the home, they told me to bring the equipment so I did. I started receiving letters from the collection offices XXXX different collections. I have been talking to suddenlink on different occasions concerning this you never speak to the same ones and they all tell you something different. I have credit that I have yet to receive of XXXX. I spoke to someone from there asking why I was receiveing a collections bill I was told they didn '' t see that in their notes cause the bill was paid in full. But I'm continuing to receive them. I have called them and they say the eqipment wasn't turned in them when I ask them if I have equipment why would they send someone to put in the New cable. Then they tell me they're sorry they did receive the equipment and owe me an equipment charge of XXXX. So how do I keep getting a collections letter.

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 2017-07-31
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection notice from Collection Information Bureau , Inc. from creditor by the name of XXXX XXXX , XXXX. I paid the amount they claimed I owed, exactly {$81.00} because I do not like to be send to the credit bureau, etc. When I called this morning to ask for the explanation of benefits or at least to know which number should I call to obtain the information and why was I charged for that amount ( I have XXXX and also a supplemental XXXX XXXX XXXX XXXX XXXX. ), the man who answered the phone was very nasty and did not want to give me any information. I asked him how was possible that the company does not have contact information for their client XXXX XXXX , XXXX he said they do not have that inf, The only inf he gave me was the one on the collection notice and that services were provided at XXXX XXXX. XXXX XXXX was not the party claiming I owe the money. I think if you are collecting a bill from another agency the consumer, in this case me, have the right to know why they are charging me that amount and the details. Please let me know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX switched to a new website on the weekend of XXXX XXXX. 

The first problem I had with this transition was that XXXX set a temporary password on my account for the new website. This temporary password was the last XXXX of my XXXX. Not an acceptable level of security. 

The second problem I had with this transition was that I receievd notification of the transition too late to log in to the old website and get the statements I had not yet downloaded. I figured this would not be a problem because I could download them from the new website. This is not the case. They did not move statements to the new system. 

I sent an email on the new website to request the statements, but never received a response. I then called on XXXX/XXXX/XXXX at XXXX. I spoke to a woman but did not get her name. She said that I would need to pay XXXX per statement because they had all been archived. She also said she would not be able to help me with this. 

I later called again at XXXX on the same day. I spoke with a XXXX. He said that I needed to send an email on the website to get my statements. I explained to him that I had already done this. I sent a second request after the call. 

The third issue I had with the transition is that there is no option for closing the account. I mentioned this to XXXX when I was on the phone with him. He mentioned that if I send and email that I want to close the account and withdraw all the money I will not be charged any fees. There is no verification of this that I can find, so I am concerned that they will charge me a fee.

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 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 applied for a job which pays via credit card and my information was stolen and is now being used in other area for credit use. 

The job was listed on XXXX for mystery shopping for consumer research as it was listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The CMI Group d.b.a Credit Management , LP is reporting incorrect and unvalidated information on my consumer report. This debt is not mine and Credit Management can not provide any proof that I entered any legal contract with them to even attempt to collect an alleged debt. I've sent letters letting Credit Management know under FDCPA 15 USC 1692g that I am requesting proper validation of this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: FIRST NATIONAL BANK OF OMAHA
State: WA
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:
Hello I opened a XXXX XXXX credit card offered by first national bank of omaha and the credit card was approved and I had online access to the account, however after couple of weeks the bank has blocked by account access without notice and says it says it needs to to verify my account and says that I need to provide notarized documents of my identity, pay slip, address proof and W2 I don't think this is the process a bank should follow in terms of providing access to a credit to a customer and also asking for documents to this extent which is a breach of privacy

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 2017-10-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Medical Data Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021 I noticed on my credit report that a collection agency was reporting a medical debt I had never seen. I had never received notification from the hospital it was originally attributed to which occurred during the pandemic prior to me being XXXX in the military XXXX. They claimed they had sent the bill to an address I had not lived in multiple years, I confirmed with them today that this should have been removed on the grounds, I paid the debt with the knowledge they said they would delete it because I never got notification of the debt prior to collections reporting and two because it was a debt that shouldn't have been sent to collections without properly verifying my address. 

I am asking them and the CFPB to remove this paid hospital bill off my credit report as the injury during the pandemic was to no fault of my own and not my decision and I never received any correspondence before finding it on my credit report, shockingly. 

Thank you 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 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, Transunion, and XXXX and it remains on my credit file.

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 2020-04-25
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I receive a letter from Midland Credit Management in regards to a XXXX 's XXXX XXXX  account that I did not open. The letter dated XX/XX/XXXX stated that I owed {$1200.00} that had not been paid. I have never in all of my XXXX + years, shopped at XXXX XXXX XXXX. This is the SECOND time that I have had to DISPUTE charges from XXXX XXXX and XXXX XXXX XXXX. The last time was just in XXXX I filed a police report then too. When I call ( MCM ) to inquire about the debt, they always ask for the last 4 digits of my social security number and I don't even feel comfortable giving it to them, considering my history with them. I did reluctantly provide the information to Midland Credit Management and they finally indicated that the date of birth of the person that opened the account was in XXXX, XXXX. That is not my date of birth. The social security number, and address all match, but I did not open this account. I am retired and on a limited income and do not need this fraud to continue. I have spent my entire life paying my bills on time and I have excellent credit. I have worked hard with little income, to be a responsible bill-paying citizen. I do not, nor have I ever, shopped at XXXX XXXX XXXX. I am filing a police report and I have also filed an Identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Novad Management Consulting LLC
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My mother had a XXXX loan on her property, and passed away on XX/XX/XXXX. Novad was notified XX/XX/XXXX, and a HUD appraisal was ordered. We were advised that we had 6 months to settle the note, with 2 extensions of 3 months each afterwards. HUD appraised the house on XX/XX/XXXX for {$290000.00}, and according to Novads paperwork, we only needed to pay 95 % of HUDs appraised value : {$270000.00}. We decided to pay off the loan by taking out our own XXXX  on the property which I inherited. I was forced to retire early to care for Mom, and wanted to preserve our capital. We were approved for the loan in XX/XX/XXXX and I requested a payoff statement. We are still waiting for a correct payoff. We received 3, listing the total loan amount, not the 95 % HUD figure, and a payoff for someone else. I have tried phoning, texting and email. Appraisals are only valid for 4 months : each time they expire we need to start over with our XXXX, costing {$700.00} a pop and repeating the HUD appraisal for the house value. HUD Appraisal done on XX/XX/XXXX, a full year after Moms passing, came in at {$360000.00}. This is substantially more than we planned on, and now have to sell our former house to cover the inflated price. 
During the summer HUD designated Novad to handle all its XXXX loans, and all the Novad phone lines were disconnected, and the HUD Answer Line became the only way to reach a Novad customer rep, who was really a HUD rep with a written script. They were very polite, but could do nothing to help. My case was escalated thrice, sent to a supervisor twice, and when I wanted to file a complaint I was transferred to the HUD Answer Line, for another 2 hour wait. The last contact of any kind by Novad was an email request for a years worth of property taxes paid, which I did. No further contact. My last request for a correct payoff was made on XXXXNo response. 
I feel that this delay/inaction is intolerable. I am very aware of the Covid interruptions, but we were expected to timely file and report despite the fact that XXXX XXXX and its Courthouse was closed for months. I feel that we should not be punished for Novads lack of communication and administrative problems. The XXXX loan was to be paid at 95 % of HUDs appraisal, {$290000.00}. This is what the house was worth at around the time of her death, and should have been paid off by XX/XX/XXXX, if Novad had supplied a correct payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I always make my Mortgage Payments using Bill Pay from My XXXX  XXXX XXXX to wells Fargo Mortgage, On XXXX they claimed they never received my payment an charged a late fee ... .. had to call them everyday with long hold and wait, customer service wasn't helpful at all .. i had to do all the work and get them XXXX XXXX XXXX on the phone and had them send all the paperwork to wells Fargo, yet wells Fargo never returned my calls with a resolution i had to call back again. Then they informed that they have to take the payment to my credit card, because it was applied there!!!! 
it's very confusing and hard to track. 
I pay my credit card in full all the time now i dont know about charging it to pay my mortgage that i already paid!!!!

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Today I called and spoke with Transunion. The representative I spoke with was XXXX work ID # XXXX. There were fraudulent inquiries placed on my report. The representative denied my right to seek remedy in removing inaccurate information from my consumer report. As a consumer who understands federal law, this is a direct infringement on my rights to truth on my credit profile. This is not right and I am seeking remedy.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has called me repeatedly via telephone even after I placed my contact number on the do not disturb list

Company response to consumer: Closed with non-monetary relief