BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
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 received a notification on my credit report saying i owe national credit systems for a debt to XXXX XXXX XXXX I called about it and spoke to someone named XXXX and she said they sent out notification on XXXX XXXX that I owe {$930.00} for rent and other fees for my apartment I am on housing and my rent is paid thru them and the time the apartment was still in my name and mine until XX/XX/2018 I called and talked to the manager of XXXX XXXX XXXX her name is XXXX she looked at her ledger while I was on the phone and confirmed I owed no debt to them I filed a dispute on line with national credit systems and checked back weekly only for her to keep saying call back next week repeatedly called XXXX XXXX XXXX left messages with the secretary XXXX and voicemails asking to be called back and i never received a call I been trying to get this straight since XXXX and now I'm at risk for losing my housing because of a debt that I never had notification of and all my mail was forwarded to my new address

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am refiling complaint # : XXXX, originally filed on XX/XX/2020, as my complaint was not addressed or resolved by the response provided by US Bank Reliacard. 

My desired outcome : US Bank Reliacard communicates to me an exact date that I can withdraw the balance of my account. I am fully aware that US Bank Reliacard has daily withdrawal limits. I want to receive 3 EXACT dates that I can go to the bank to complete the maximum daily withdrawal to bring the account to a XXXX balance. 

As noted in prior complaint # XXXX, I have made many attempts with US Bank Reliacard to resolve/withdraw the balance of my account. 

As you can see in prior complaint # XXXX, US Bank Reliacard has given me dates to withdraw the account balance several times, and when I get to the bank, the transaction does not go through as promised by US Bank Reliacard.

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 2019-09-09
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 i took out a loan with speedy cash for XXXX . My first payment of {$100.00} for the loan was extended out to XX/XX/2019. I was led to believe that this was a true and actual repayment plan, but " secretly '' it appears to be another date which forces me to accrue unwanted interest. Every pay period since the loan has been out someone at the store location changes the due date of the loan. If no fraud is being committed why would it show on their internet website for my account information, as well as phone call reminders a few days before that my loan payment is due on one date, but secretly someone at the store has it appear as if i called to change my payment date. When i call customer service to complain they can only tell me dates to which a request to change the due date was made. I have " NOT '' spoken to anyone at the store location since XX/XX/2019 when i was there taking out the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have filed a complaint before about the fraudulent addresses on my credit report. I do not live at these address and I need them removed they are not accurate : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. 
I requested some form a contract we verification on this 3rd party collection account that I have never done business with XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$1200.00} I was informed federal law requires that credit bureaus provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law. I don't know how many times I have to keep asking for the proper paperwork I have not received anything and its been longer than 30 days!!

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: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX from Portfolio recovery associates in XXXX, Virginia, United States contacted me from phone number XXXX on XX/XX/XXXX at XXXX <See Attached> After asking XXXX what my address was on file, she confirmed " XXXX XXXX '' ( XXXX ). I have already provided my updated address and asked the company to stop calling me at inconvenient hours on XX/XX/2020 <See Attached>. They agreed that it was a bad time to call me. I asked to speak to a manager and spoke to Mr. XXXX. Mr. XXXX agreed that my address reflected my time zone and that XXXX phone calls are unnecessary. I advised Mr. XXXX would like to move forward to submitting a formal complaint, but he did not offer me any assistance other than they would not call during this time in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today I tried to book a reservation on XXXX with my Capitol One credit card. Even though I have the available credit on my Capitol One card to make the purchase of XXXX dollars capital one will not process the transaction without a copy of my drivers license or passport. Given Capital One 's massive data breach I do NOT trust them to act in any consumers best interest especially considering their desire to obtain even more person information about clients life photo 's of federal id 's

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 I was expecting money to be deposited in my bank account My email address XXXX from Zelle informed the money will be deposited to a XXXX XXXX account which I DID not have a XXXX XXXX account. The senders sent the money through Zelle. I received an email from Zelle that XX/XX/2019 XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) sent money will be deposited in XXXX XXXX account. The problem is I do not have a XXXX XXXX account. I have an online XXXX XXXX account. I contacted Zelle and someone informed me that XXXX XXXX has a link to my email. I informed Zelle that I do not have a XXXX XXXX. The money that was sent from the two individuals was sent to a XXXX XXXX account that I do not have. My email address XXXX XXXX XXXX is being used by someone name XXXX with the last account number XXXX from XXXX XXXX who I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: EQUIFAX, INC.
State: MO
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:
Called XXXX  and Equifax for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer of TD bank for almost a year now. I have been withholding my comments for some time now. However, it seems that their overdraft practices border on predatory. I used to work in the banking industry and I recall how most banks handle their deposits. Usually, the bank processes the deposits first before processing the debits, no matter what time the transaction occurred, as long as it was the same day. This is not the case with TD Bank. They process the transactions at the time they occurred and let 's say I were to make a deposit after I noticed a charge was over drafting my account, they process it last so they can charge me an overdraft fee. I am very disappointed and I think with a little digging you will find that their overdraft policy violates some consumer protection laws. This weekend I received 4 overdraft fees, two of which were for transactions under {$1.00}. The amount was in my savings and I had earlier signed up for overdraft protection. Not only did they not take the money from my savings, they stated that I never had it. At the time of the trasanctions I had the funds, however, they charged me a {$15.00} " service '' charge and dated it for the 11th. The charge showed up this morning. That charge caused 3 overdrafts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I traveled to Procollect, Inc. at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX and attempted to pay a {$99.00} debt to ProCollect , Inc that was acquired from a overdue balance left with XXXX 's XXXX XXXX. ProCollect , Inc refused to accept my payment unless I also paid another outstanding account that they purchased that is over 10 years old. While there at ProCollect , Inc I spoke with 3 employees including 2 managers and they still would NOT take my {$99.00} payment for the XXXX 's XXXX XXXX account. Since I could NOT get any cooperation from ProCollect , Inc, I decided to go and visit the original debtor which is XXXX 's XXXX XXXX in which the management took my payment and gave me a receipt that I promptly tried to return to ProCollect, Inc. ProCollect , Inc would NOT take the receipt from XXXX XXXX XXXX XXXX ProCollect , Inc said that I would either have to mail it in or fax it to them. I did both, and after a couple of weeks I realized that the debt was still listed on 1 of the 3 bureaus. Coincidentally ProCollect , Inc called me this same day. ProCollect , Inc informed me that they would NOT remove the {$99.00} debt from credit file with XXXX   until I paid the other 10 year old debt that they had on their books. After threatening to contact your office I was very harshly informed of their lack of concern about me contacting your office. Furthermore, I also mailed and faxed a copy of the XXXX 's XXXX XXXX receipt to XXXX XXXX dispute department. XXXX   informed me that the debt could NOT be removed even though I sent them a receipt of payment, unless ProCollect , Inc says that it is ok to remove it. Your help in this matter is greatly appreciated. Thank You & God Bless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: AES/PHEAA
State: OR
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:
My student loans have been in deferment, but the company continues to report my payments as late. Attached is the letter from XXXX XXXX XXXX showing the loans in deferment from XX/XX/2018 through XX/XX/2018. 
Today I applied for a mortgage and all three loans are reporting negative with 90 day late payments during the deferment period. 
The credit report is also reflecting a higher balance and payment on each of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2019 I paid the full outstanding balance of {$6400.00} still showing to all the reporting Credit Bureau Balance!

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 2020-08-20
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20, Barclay contacted me stating that I owe a debt to them. I am currently enrolled in a debt settlement program with XXXX XXXX and my settlement was paid in full to resolve this account. All payments were made to Barclay as agreed. Barclay refuses to acknowledge the settlement that was agreed on and continues to harass me for a balance that is no longer due to their company. I spoke with a manager named XXXX XXXX who was extremely unhelpful. They refused to verify to contact XXXX XXXX for verification of this debt settlement agreement. He refused to provide me with his supervisor 's contact information several times before he finally provided me with the name of his supervisor in which he stated was XXXX XXXX. I requested a fax number or email to make a formal complaint to his supervisor and he refused to provide this information as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a judgement on me from XX/XX/XXXX via Chase Bank. Who is now XXXX XXXX. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 XXXX XXXX is not the original debt.. it was chase. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XXXX of XXXX on my reports. 

The credit card is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making payments on time.

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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting inaccurate information on my 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 2018-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had an unsecured personal loan with Citizens Bank that I had gotten when I was in their employ. A few years went by and I no longer worked for them and the loan was paid off. 

I thought everything was great and I still had a decent image of the company, so my fiance and I decided to open a joint checking account there. Then a few months after having the account, my debit card stops working on a Friday afternoon, which was odd because I had gotten paid that day and there was ( should have been ) a few hundred dollars in the account. 

I log into my online banking to see that {$280.00} or {$380.00} ( it's been a few months ) debited from my account and all it says is " dda memo ''. I know from working for them for over 5 years that this means that the bank itself has taken money for something you owe ( an account sent to collections ). Which I'm not aware of anything that I may owe, because I had paid off the previous loan and had received no correspondence in the last 2 years since I had banked with them that anything was outstanding. Also, nothing had been reported to a credit bureau. 

Best part is, they did this right before closing on a Friday night, so I'm frantically making calls to find out what's going on, only to be told that all the departments I need to talk to are closed and don't reopen until Monday morning. I spend all weekend with no money and not being able to pay the bills that money was to go to. 

Monday morning I finally get to talk to someone after being transferred a handful of times to find out that apparently my loan had been paid off, but for some " glitch '' the system never recognized the payment and the system decided I owed that money and just pulled it from the deposit account that I had with them. Basically an " oops, sorry, the computer messed up ''. They offered to fix the issue, however the refund of my money could take up to 48 hours to be refunded to my account. So, they can take money instantaneously but make you wait to put it back. 

I ended up getting my refund, but then about a month later I got a letter in the mail showing the amount and letting me know that the loan, which I thought had been paid off years before and had been reported to the credit bureaus as closed, was now paid and closed. 

All in all, just a ridiculous situation with some shady bank practices and I closed my accounts and will never bank with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07
Company: EQUIFAX, 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2020 I went to go pull some money off my pre paid card witch my unemployment benefits was getting direct deposited too and it said my account is locked so then went online to check and see what is going on and again it wouldn't let me even check anything with my online account because it was locked so I call them and they say they are sorry but my account was locked and to release my money they would need copys of my id, social security card and a piece of mail proving my address so I sent all that multiple times and they still keep playing games saying its not enough or its not up to date. ive sent mail thats in the last 30 days and they still denied me my money. Its around XXXX XXXX and XXXX XXXX dollars. I have a family so I rely on my unemployment i need my money please help me ... ..

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