BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report over the end of this past summer I noticed a listing saying I owed {$1500.00}. This amount was supposedly " opened '' originally with a XXXX XXXX XXXX XXXX XXXX XXXX  company on XXXX XXXX, 2014. It is now in the hands of XXXX XXXX. I disputed this debt through XXXX by way of XXXX XXXX and when the dispute was finalized I got notification of it being removed from my report. But right after ... .I noticed that it was listed again as a debt owed to this company. Not only did I not incur this debt myself, but I was in horrible car accident ( that left me XXXX ) the month prior and was still hospitalized when this debt was supposedly opened/started.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank began returning checks on the account after 2 separate deposits were made one on XX/XX/2019 and XXXX XX/XX/2019. The account has been open for 36 mos with no previous derogatory activity. The bank rep explained that there was a hold on both deposits and all future deposits would have a hold placed on them. The advised that they would charge an overdraft fee for all checks an transactions presented for payment. They advised that they would place a hold on cash deposits as well. The also advised that there would be no notice sent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
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:
Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was XXXX. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX XXXX XXXX XXXX , DPT ED/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.

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 2019-09-24
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive multiple phone calls from Navient regarding a student loan that I do not have, I have sent certified letters with tracking requesting validation of the debt or to be removed from all contact lists and they have ignored my letters and continue to call me, I have also called them using one of the phone numbers they call me from ( XXXX ) and they are not able to validate any loan with either my name or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card number in question is XXXX with US Bank. 
I recently received notification that they overcharged me to the tune of several XXXX dollars and they have yet to return the money that they stole from me several years ago. 
I demand they return the monies owed per their own admission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Towards end of XX/XX/2019, was a couple of days late on my BofA, I have kept making payments but they kept adding fees upon fees so my payment was never enough. I talked with several people on the phone and they would not help. So I paid off the account and closed it. However, Bank of America is reporting late payments each month after XX/XX/2019 and still show a balance of {$670.00}. I have no way of accessing this bill and no one will help me. They need to reverse all fees since I paid this off and closed it. Please help, this is very frustrating especially since I paid each month and paid off. 

The only information I have is the bank of america late payment report from XXXX  - attached. Bank of America does not mail paper statements and they do not provide online access to this account because I closed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a PayPal account which I have used without problem for several years.

I recently received an email saying I could like my PayPal credit account with my normal PayPal account. I never authorized PayPal to create a credit account, nor do I want a credit account.

I called PayPal to cancel the account ( they never gave me a number or information about the account ). I hung up after they advertised my wait time would be 1 hour 5 min.

I emailed them through their website. Over the course of 4 emails and replies, at first they acted like they did not know about it. I told them that was unacceptable, they were the ones telling me they created an account and wanted to link my normal account to their credit account. By the third email they admitted they had created an account in my name with a credit limit of {$13000.00}. They offered to close it. I emailed back to close it. They responded it was closed. So the " problem credit account '' is now presumably closed if I am to believe them. 

My concern is this is like XXXX XXXX. PayPal is creating accounts for their customers without their knowledge. They need to be stopped. This is wrong.

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 2020-05-02
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a small personal loan through Opp Loans online, and the process was questionable. They required the log in information for my bank, and after the loan was " approved '' and I changed my password, they required additional information, which included access to my bank accounts again. 

After making about 10 payments or so, I had some financial difficulty around XX/XX/2020, as many others. I emailed and called, spoke to " XXXX '' and she said she would waive interest and any fees, and push my next payment out to XX/XX/2020 with their " Borrower Assistance Program ''. 

On XX/XX/2020, I used online bill pay through my bank to send a check to Opp Loans for {$300.00}, more than 2x the amount of my previously scheduled payments. I did this early so they would receive it before XX/XX/XXXX. They never posted the payment to my account. It was received by them ( and stamped ) on XX/XX/2020, and cashed/cleared my account XX/XX/2020. I have emailed many times, and called, and they insist that I never paid. In addition, they charged interest an additional fees to my account, going against the arrangements made under their " Borrower Assistance Program ''. 

Today is XX/XX/2020. When I called Opp Loans and spoke to one of their reps, he claimed that he did not receive my email which had 2 screenshots showing the {$300.00} was taken from my account, and claimed that the payment was never received. When I told him I would go to the police department to file a report for fraud, he got angry, kept cutting me off while I spoke, and yelled that he could transfer me to the payments department. Someone at Opp Loans has my payment. They already ripped me off with a 160 % APR, so I am repaying almost double the loan amount. Even when I provided the reference # and check # from the bank, they ignored my emails. Two hours after mentioning that I would file a police report, Opp Loans reported false information to XXXX  about my current balance in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I pocket purchased crypto on my account and called coinbase support and they locked my account to make sure it wasn't fraud. I've since told them, that my account is cleared and secured, and need access to the {$10000.00} thats in there. It's been over a month now since I opened the ticket ( XX/XX/2019 XXXX and I have'nt received one email reply from them, despite writing to the about the issue daily My case number with their support branch is Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter stating i owned this company money, First time hearing from this company and about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: NV
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've been on the phone with Equifax so much throughout XXXX and XXXX and at this point I just need someone to step in and help me! 

I've mailed countless copies of the same documents ( they say they never get them ) I then upload through my.equifax.com.. I just want to cry at this point! They are useless! 

My ENTIRE credit report keeps vanishing completely. Right now, it says I have no accounts on my credit report at all, with 4 unknown inquiries that I've never partook in. In addition, my birthday keeps being changed from the corrected one XX/XX/1993 - to XX/XX/1993! 

I sent them my court ordered name change - and they've changed my name about 5 times in XXXX alone! NEVER ONCE to the appropriate name. Mind you, every representative who makes the change, someone changes it back on their own, or to another variation of my previous name! 

I logged into credit karma again and XXXX today, EQUIFAX REPORT GONE. I'm so tired of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage keeps calling other people regarding the matters of My Home Mortgage. I filed the complaint on Wells Fargo Mortgage. It appears there not trying to resolve the issue by calling other people that has nothing to do with the issue. Wells Fargo Home Mortgage calls on a daily base other people in fact as I have for a witness. Wells Fargo Knows my phone number as well as mailing address regarding the 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 2019-09-24
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting that I owe a utility bill and I wasnt even living there ... I had moved out XX/XX/XXXX and contacted XXXX that I was moving out ... this item shouldnt be reporting to my credit report ... this item should be remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I AM A XXXX YEAR OLD SENIOR WHO HAVE BEEN CALLING DIRECT EXPRESS SOCAL SECURITY CARD HOLDER AND HAVE MADE SEVERAL ATTEMPTS AT LEAST 20, TO CLEAR UP XXXX DOLLARS IN CHARGES MADE IN XXXX XXXX AND I LIVE IN XXXX  XXXX, NY I HAVE TRIED CALLING DIRECT EXPRESS NUMEROUS TIMES AND WHEN I DO GET THROUGH THEY KEEP ME ON HOLD FOR WELL OVER 2 HOURS AND THEN HANG UP ON ME. I NEED THEM TO PUT BACK MY MONEY IN MY ACCT BECAUSE I AM SENIOR AND I NEED TO PAY MY BILLS BECAUSE OF ME BEING ON A FIXED INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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:
On XXXX XXXX, XXXX I submitted a dispute via ChexSystems about an account I previously had with XXXX XXXX. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from ChexSystems I noticed I had been reported for an account abuse closure by XXXX XXXX While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from ChexSystems one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the XXXX XXXX collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for XXXX XXXX when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to ChexSystems because XXXX knew that for that particular agency abuse could mean anything and would n't be questioned.

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 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX ON XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: Experian Information Solutions 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 was in the process of refinancing my mortgage when I had my credit report done and it was at that time that I noticed things on my credit that looked unfamiliar. I discovered that there are things on my credit that don't belong to me and I'd like them removed as quickly as possible. XXXX 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 2018-03-27
Company: Experian Information Solutions Inc.
State: TX
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:
Experian Illigally opened Credit Disputes that I didnt authorize.

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 2017-11-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from the law firm of XXXX, XXXX, and XXXX, XXXX today XXXX/XXXX/XXXX. 
I called them and told them I would love to repay the citizens bank student loan and was doing so to another law firm XXXX made small monthly payments until I pass my board exam and able to have a job and pay the entire amount ) but what has happened is my phone broke and I missed a payment because I couldnt locate the loan info for the previous law firm and my account got transferred from the previous law firm to them. I told XXXX, XXXX, and XXXX that I can not pay the entire {$14000.00} because I am a still a XXXX a full time mom to XXXX XXXX now, I just had a XXXX XXXX XXXX XXXX I told them I needed assistance in repayment where the paralegal speaking to me didnt want to hear anything I had say instead was very rude and mentioned over and over that he is citizens banks lawyers not mine and hes not concerned with my difficulties and I had no options for repayment except to pay the entire amount. I was baffled and confused by the rude tone and arrogance of this person, he kept saying we are moving forward in court to intimadate me and I called my lawyer where I was made aware than that kind of communication coming from the law firm of XXXX, XXXX, and XXXX was absolutely unacceptable. Also the information about my loan was inaccurate and when I asked about my loan balance it was also incorrect and it seems like they are charging me extra. Not only was this law firms representative extremely unknowledgeable about the loan, but rude and arrogant and proceeded with harassing me by threatening to move forward and get my co signer involved and more. I request that this law firm company no longer contacts me and takes courses on communication, customer service, and stops giving out inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am unable to call and speak with any of the three Credit Reporting Companies also known as Trans Union, XXXX  and XXXX. 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on my Credit Report. 

I want the phone numbers to Trans Union, XXXX  and XXXX so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Kimball, Tirey & St. John LLP
State: CA
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:
This account was opened XX/XX/2014. It was supposed to be handled through the V.A help advocates that helps prevent veterans from becoming homeless. But they did not get the payments in on time causing me to be evicted, becoming homeless and get stuck paying this bill. And it is now on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted proper affidavit documents and statements and other important FCRA documents to XXXX under FCRA guidelines Section 605B blocking items that are fraudulent. These items were supposed to be dealt with within 5 business days, but it has been since XX/XX/XXXX and then again I submitted in XX/XX/XXXX. I have contacted XXXX, but a foreign representative is the only person I can work with and they just direct my call to another department. I believe they are just trying to exhaust me so I will give up on my fraud report.

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