BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-01
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX, I had a substantial amount of XXXX work scheduled to be done and the XXXX  office offered the option of using XXXX XXXX credit card from XXXX Bank, that offered a no interest payment plan for two years. The first minimum payment was due on XX/XX/XXXX, and the final payment due in two years. I was encouraged by the bank at that time to sign up for paperless billing, which I did. I began making payments well above the minimum to be sure it was paid off before the two year deadline. The initial charge was for {$7400.00} on XX/XX/XXXX and we were told by the XXXX office that it would be 24 months, no interest. As the XXXX work progressed there were three additional charges : {$1800.00} in XX/XX/XXXX, {$1300.00} in XX/XX/XXXX and {$780.00} in XX/XX/XXXX ( dates may be a little off ). Each time before we charged these amounts to the card, we first asked the XXXX office if it was the same 24 months, no interest. We were told it was. Based on the information that we were given, each of these charges would have been paid in full within the appropriate time frame with the monthly {$500.00} payments I made. I never missed, or was late on a payment. 
After making the XX/XX/XXXX payment, my balance was {$380.00}. On XX/XX/XXXX, I received an email alert that my XX/XX/XXXX statement was available. We were in the middle of moving, and I didnt want to forget the payment, so I made it early ( so I thought ) on XX/XX/XXXX. I noticed that the email showed a statement balance of {$2500.00}, so I checked the account and saw {$2100.00} entered twice, once as an adjustment. I thought that this was a charge and a credit, which would XXXX out. On XX/XX/XXXX, when I saw that there was still a balance of {$2100.00}, I immediately called to find out why. I was told by XXXX, that the promotion ended XX/XX/XXXX, and I was charged the full interest. After reviewing the situation, I called customer service, again, and spoke to supervisor XXXX. He explained that the additional charges were for different time frames, not 24 months, and the bank applied the payments first to the later charges, because they were due sooner, and then finally to the original charge. I was told by the XXXX office that each amount we charged was payable in 24 months, no interest. That would mean that the payments would be applied to the initial charge first and all payments would have been made within the time frame. XXXX advised me to contact the bank via fax to XXXX to explain the situation and request the interest charge be waived. I faxed the letter on XX/XX/XXXX, with a follow up on XX/XX/XXXX, after I had remembered additional information. To date, I have not heard back from the bank. 
For these reasons, I am disputing the interest charge and requested that the bank reverse the charge so that I have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Duncan Solutions, lnc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have worked with the XXXX XXXX XXXX  Call Center since lateXX/XX/2017 to resolve the technical error whereby the XXXX XXXX XXXX was not at first recognized by the XXXX XXXX.

Bottomline, after submitting proof that I was covered by an XXXX Account well before the alleged violation on XX/XX/2017 XXXX provided proof that all debts were paid through the XXXX account and by a separate payment of {$27.00}. This final resolution was under Confirmation number XXXX.

Despite this, someone representing the State of Illinois referred the matter to the debt collection firm : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WI XXXX  XXXX  alleges I owe over {$700.00}. Note that I have yet to have an actual State Employee pick up or return my call.

Looking on-line, it appears that the Call Center Contractor and XXXX are quite active fleecing the taxpayers of multiple states while the taxing authorities turn a blind-eye to this revenue-enhancing illegal debt practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2016 I atttemoted to rent an apartment from XXXX XXXX in XXXX AZ. I walked in the apartment and it did n't seem like anything was wrong. I signed the lease. After this I inspected the apartment while moving in. The apartment was not livable or move in ready. The bathroom tub was not cleaned or restored, the outlets didnot work, the dishwasher was disgusting, the refrigerator did n't work, there was bees, bugs and cocaroaches infested in the apartment. During the first week I called the police 3 times due to the u safe environment. I have XXXX small children who were scared to stay in the apartment. There were people and men outside my window at all hours of the night. During that week maintenance men were in and out of my apartment attempting to fix all the wrongs. I spoke to managment serval times and ask for different apartment and location. They denied me and said they had none avaible. I gave notice I would leave this apartment within the week, which I did. These people placed a debt on my credit report for this lease in the amount of {$3400.00} dollars. I am unable to lease a home due to this. I have disputed this debt in hopes it will be resolved if not I will sue this apartment complex and will be contacting fair housing act and the better business 's bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Eastern Revenue, Inc.
State: DC
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:
XXXX-I filed a compliant with your bureau against Eastern Revenue Inc. as they are reporting an inaccurate debt on my credit report with XXXX, XXXX & XXXX. In my complaint I have ask for a debt validation from company showing proof that I owe them directly {$700.00} for XXXX XXXX XXXX XXXX XXXX in which they reported as the original creditor. After waiting 30 days since they responded to this complaint, Eastern Revenue still had not sent any proof of debt to me even after me contacting them and speaking with XXXX XXXX on XX/XX/XXXX and verifying my mailing address with him. 

XXXX Since I was not able to resolve this issue directly with Eastern Revenue directly. I was able to get to the bottom of this since I was a former employee of XXXX and know the collections team pretty well there. Collections Representative ( Ms. XXXX ) informed me via by phone and email that I had an overdraft from XX/XX/XXXX that was not covered on an old checking account in the amount of {$530.00} ( please see attachments ). She informed me that I can pay this balance at one XXXX local branches and the account will be settled. 

XXXX I sent XXXX a certified check in the amount of {$530.00} and a request to close all existing open accounts. In my request I informed XXXX that if they accept and cash my certified check they will close and have the collection account removed with their third party ( Eastern Revenue ) who is reporting on my XXXX, XXXX & XXXX. As their third party is reporting an inaccurate account, and I have settled the debt directly with them ( XXXX ). XXXX agreed and cashed the check on XX/XX/XXXX and closed all requested accounts as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
robo calling and asking for XXXX XXXX however keep me on hold then hang up. 

I have not business relations with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was at signing a close loan and at time did not receive XXXX concern process including mortgage loan have received loan assignment number fix loan movement up as log with City as XXXX is it supposed to be movement just received in {$1400.00} 's Freedom mortgage documents missing from ca tx residency

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 2020-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Bank of America mailed me a Bank of America rewards card application. The Bank of American specifically stated that after having spent a certain amount of money in a certain amount of time I would received cash rewards of {$200.00}. I went to the Bank of American branch office in XXXX, New Jersey this money to claim my {$200.00}. I was told that I would have to wait 5 business days for the Bank American to transfer the {$200.00} from the credit card account to my Bank of America checking account. I objected to the long delay. The Bank of American employee said that is the policy. But there can be no excuse for any delay at all let alone 5 business days. It is the same bank for both the credit card and for the checking account. I demand immediate credit to my check account of {$200.00} plus interest.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-02-13
Company: R & B Corporation of Virginia
State: RI
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Credit Protection Association, L.P.
State: RI
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 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 2020-02-13
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I got the car a few years ago. I paid the company for repair service contract per month. Which meant I should be able to get the car fixed anywhere and not have to pay anything over 100. I kept having problems with the car that I was having problems to get fixed because no mechanics accepted it. I tried taking the car to the dealership to fix it, the would not. I explained to them that I was newly divorced mother of XXXX   and could not afford to pay the expensive car note per moth as well as the payments for the extensive repairs. I now have a repo on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used the Amex Serve prepaid debit card ending in XXXX to bill pay a credit card online for which Amex Serve sends out a physical check against the funds on the account to be delivered to a merchant. ( In this case, a credit card at XXXX ending in XXXX for {$940.00} on XXXX ) After a period of no activity on the XXXX account, I called Amex Serve on XX/XX/XXXX ( they said the check is usually delivered in 2-4 business days ) to notify them of non payment to XXXX and asked to dispute the charge. I was charged the {$940.00} on the Amex serve card but never received the bill pay credit on my XXXX card. <P/>After a long wait, Amex Serve came back and said that the check was delivered and cashed by XXXX and that the dispute was closed. I then called Amex Serve again to notify them that I never received the bill pay credit with XXXX. After receiving no help from a CSR, I spoke to a manager who seemed to understand the problem. <P/>She took extensive notes detailing what happened and said that the dispute would be opened again and that the Amex Serve dispute team may possibly contact me in 2-4 business days asking for proof from XXXX of non-payment ( screenshot of the XXXX card account showing no credit given ). This was on XX/XX/XXXX. <P/>I received a notice from Amex Serve on XX/XX/XXXX directing me to look at a secure message. I could not open it and got this error message when opening the link : Bad Message XXXXreason : Request Entity Too Large. I called into Serve and was again told by a CSR that the dispute was closed as they had proof the check was delivered and it was cashed by the merchant. <P/>Once again, I explained that XXXX never credited me for the payment and that this was my third call and dispute. I spoke to a manager again who said he 'd open the dispute again and gave me the same speel about being contacted in 2-4 business days for possible proof of non-credit by XXXX. <P/>It seems like Amex Serve 's dispute process is hung up on whether the check was delivered to the bill pay recipient and/or cashed. Whether the customer actually had the bill pay credited, they do not seem to care. They as the payments company have the power and responsibility to talk to the merchant to verify bill pay credit and whether it was paid properly. They seem to be unable to resolve this case and I would greatly appreciate the CFPB 's help in getting proper credit on the XXXX credit card I used Amex Serve to bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold Bitcoin through Coinbase and their system claimed to have completed the wire deposit to my bank account on the same day, XX/XX/XXXX. The amount total is {$2900.00} after fees. As of submitting this complaint, it is XX/XX/XXXX. I have reached out to them several times trying to get an estimated date of the arrival of my withdrawal. At first I received an automated response telling me that wires would be delayed up to 10 days, which is clearly not true. After the 10 days passed, I reached out to them again and did not even get a reply. They have provided no transparency as to why I can not get my funds from that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Resurgent Capital Services L.P.
State: RI
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 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 2019-05-24
Company: JPMORGAN CHASE & CO.
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A plumber did repair work to a leaking pipe. The plumber damaged other pipes during the repair, but did not pay for the damages. I disputed the charge with Discover credit card. The card initially gave credit, then it reverse the credit without any communication to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing various accounts with your bureau and to this day I have not received answers on why or how these accounts remain on my credit report. Your agency has continued to allow reporting on invalidated information. I have continued to dispute these claims multiple times and all I have seen is the accounts being updated or verified. How are these accounts being verified? Who is verifying this information? What documents do you have to support these claims? I have yet to receive an original contract with my signature from any of these accounts so how is this being tied to me? How are they verifying this information as accurate with you? This has been detrimental to my credit report and I am seeking legal counsel. Please prove to me how you are validating the below accounts. If you are unable to prove that these accounts belong to me then I ask that you remove the accounts from my credit report. Please provide me proof that you have the contracts proving these are mine. If not, please remove it. 

- XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX/XXXX XXXX - XXXX/XXXX XXXX - XXXX/XXXX - XXXX 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 explanation
Consumer complaint received 2021-09-20
Company: CITIBANK, N.A.
State: CT
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:
Dear Sir / Madame : I had contacted my credit card company, Citibank, to help reverse an {$80.00} charge from XXXX. The amount was from my XX/XX/2021 car rental. The first part of the amount was the Fuel Purchase Option, {$45.00}. And the other part was for XXXX XXXX, {$34.00}. 

I would've reviewed the agreement before leaving the airport after pickup. However, the attendant said the " system was down '' when I was checking the car out. So there was no rental agreement to preview. The only agreement I had was the one I used from my company 's travel agency. Which was for ~ {$190.00} for the week. 

As a matter of fact, I returned the car with a full tank. So, again, the FPO is not something I signed up for. 

I reached out to Citibank and it gave me a temporary credit which they now have reversed. Meanwhile, XXXX just sent me a letter saying I actually owe them {$80.00} when in fact I've already paid Citibank that amount and am waiting for the permanent credit. 

Appreciate your help in reversing {$80.00} from XXXX XXXX Citibank VISA. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-02-13
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After viewing my credit file, I noticed I had a collection account. XX/XX/2019 I sent the collection agency a validation letter asking for proof. Under the FDCPA, if the collection agency doesnt validate then they no longer can collect payment and is required to removed the debt. Being as though I never received any letters or notices from this collection agency prior to this collection on my file is weird to me. Also, the CA did not satisfy proof of this alleged debt, therefore I am making a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
All of my Student loans have been charged off and updated as paid to a balance of XXXX. But it is still on my credit

Company response to consumer: Closed with non-monetary relief