BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: DISCOVER BANK
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover card is reporting the wrong amount owed. 
The credit limit was {$500.00}, the balance showing is {$1000.00}. 
I called Discover, they stated no bill statements is in their system, I was referred to an collection agency. Spoke to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, OK XXXX, ( XXXX ). 
Collector stated, I owe {$1000.00}. I explained to him, my credit card limit was {$500.00}, I stated to him, my card became delinquent after XXXX XXXX, I lost my job during my recovery. I made 2 payments, then declined, I didn't realize that I had no direct deposit because I was terminated while recovering from XXXX. 

He stated, he have no records, he just have my file stating, I owe {$1000.00}. I explained to him, that was incorrect. He stated, all he could do is collect XXXX or set up monthly payments or settle for XXXX. I declined because, I don't owe that amount and I don't have an income. He told me there is nothing he could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Someone fraudulently took {$700.00} dollars from my unemployment debit card without my knowledge on XX/XX/2018. I contacted the bank on which the debit card was issued and they told me to get a police report and that they were going to mail me a fraud statement report to fill out and return with the police report. On XX/XX/XXXX I received a letter from the bank saying that they were denying and closing my claim. The first person I spoke to at the bank told me that I had no proof that it was fraud and that there was nothing further that I could do to recoup my money. When I called back and talked to a second person they said that they only way I could get the fraud paid was if I could get a video of the person taking money out of the ATM where it happened. I am now trying to work with the police on this, but it is slow going. And in the meantime, I don't understand why the bank institute isn't doing more to help me recover my money and why they closed my claim without any effort on their part. They simply canceled my debit card and issued me a new one.

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 2019-03-27
Company: GREAT LAKES
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Im applying for XXXX XXXX XXXX XXXX Loan forgiveness and need a pdf of my payment history. Id requested the payment history and submitted it in a word document format, but then was informed it needed to be submitted as a pdf by XX/XX/XXXX. I called my loan servicer on XX/XX/XXXX to request this. I was instructed to try saving the website as a pdf, but that didnt work. I called again and was told it could be done but would take longer to process, that it could be ready XX/XX/XXXX. I repeated this to confirm since it was the same as my due date. Today is XX/XX/XXXX and by the time I finished work, I still hadnt received the pdf so I called again. I was told that getting it as a pdf is never possible and thatwhile they could see both phone calls from XX/XX/XXXX, no action was taken after the second XX/XX/XXXX call. Furthermore the most they will do for me is review the calls and provide further training to anyone who misinformed me, they will not do anything to compensate me for {$20000.00} in loan repayment if this means my application can not be accepted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has called and harassed me for years. They are calling my family members including my XXXX year old grandmother and harassing her and scaring her to death. They are abusive to her on the phone as well as my elderly parents. I want them to stop contacting any family members of mine immediately. I have repeatedly asked them to stop and they continue to do so. My family members have asked them to do so as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase bank would not accept payment by credit or debit card for an overdrafted checking account, and refused to close the account until money was either sent or transferred. Meanwhile, negative debt was accruing due to fees, so the amount of money transferred was never enough due to accrueing debt from vendors mistakenly trying to debit the account despite being told not not, and chases own penalties for negative accounts. I have been trying to close this account for a month. Chase told me to go to a branch ( I have moved to a state with no chase branches ), or to transfer extra money which they will refund later. Neither is acceptable. I have credit and debit cards and money and wish to close my account but they refuse to accept payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off my credit report because the fair credit reporting act states they must supply me with an agreement between i and creditor and they have failed to do so and i do not owe the bill.

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 2019-03-27
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX ARE REPORTING AN UNPAID ATT XXXX XXXX XXXX FOR AN UN RETURNED CABLE BOX. THIS IS NOT CORRECT THE BOX WAS RETURNED AND THE ACCOUNT WAS PAID TO XXXX. MY CONFIRMATION NUMBER IS XXXX. I SPOKE WITH EMPLOYEE XXXX AT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This card was open XXXX or XXXX the name is capital one / Walmart I never open a credit card before they use my identity and kept using it until they did not pay it anymore. I did not know about this card until I received a statement. I demand this card get off my credit its not mine, if its not taken off I will sue to the fullest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed the company reporting on my report late this summer. I called the company several times and ask them to provide me any documentation that the account was actually mine. This is a account with XXXX that I had ten years ago I switch my service for XXXX to XXXX I had to pay my bill in full. XXXX never sent me any other bill and all of sudden last year XXXX XXXX a collection agency started reporting on all three of my reports. I sent letters and letters and finally early this year the account was removed from my reports. Then late this summer it was right back on my report. I was given no documentation or letters from the credit bureaus that the account was mine and would go back on my report. So lately I been calling the collection company and XXXX and asking them to send me any documentation and I still received nothing. XXXX ca n't find anything when I give them my information to look up. Still today it is still showing on my credit report. I am in the Military and this can hurt my Security Clearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: United Revenue Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted United Revenue Corp regarding {$290.00} debt that they state is owed for XXXX XXXX XXXX XXXXXXXX for XX/XX/2013. XXXX XXXX XXXX XXXXXXXX state that they did not have any accounts in 2013. XXXX XXXX XXXX is unable to send proper documentation regarding their stated debt. There are no signed contracts. United Revenue Corp is  incorrectly reporting to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: Netspend Corporation
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I've completely the steps to permanently remove myself from the prepaid and pre-approved credit card offers and other scam mail. NetSpend sent me a pre-paid debit card on XX/XX/19 in violation of the do not mail registry.

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 2019-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello I purchased a used vehicle XX/XX/2013 ... total amount of loan {$15000.00}. Ive already paid {$20000.00}. Still owing {$3500.00}. There seems to have been an error either on Capital one or with XXXX XXXX XXXX. I just recently noticed my loan term of 72 months which is {$8400.00} more than my original loan amount. Capital One is unable to explain this therefore my only option is to report them. 

Respectfully XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX Credit Card debt in XX/XX/XXXX, by mail. I called to negotiate payment. We agreed upon a one-time pay off of {$1300.00}, which would come out of my bank account via debt card. They wanted my account #, but I would not give it. 
The debit was to occur on XX/XX/XXXX. Unfortunately my bank blocked the initial debit thinking it was fraud. I received a text notifying me of this. I responded to the text and confirmed it was not fraud. The bank responded via text saying it would honor the debit and to try again. 
I called the direct agent ( extension number ) of whom I'd made the previous arrangement and left a message to run the debit again. They did not. I called back today ( XX/XX/XXXX ) and now they want {$1600.00} to clear the debt, stating the original agreement was void and I had not tried to contact them. 
I'm willing to pay the original {$1300.00} agreed upon, but can not afford the {$1600.00}. They threatened lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company by the name of Phoenix Financial Services is trying to re-age a debt of mine, for {$1000.00}, initially under the XXXX XXXX collections. The original date for the account was XX/XX/XXXX. Phoenix Financial Services is reporting that the debt is from XXXX. Attempts to get them to correct it have gone unnoticed. My husband had the same thing happen with a medical debt from a different year, also originally with XXXX XXXX, and they're attempting to re-age that as well. His is from XXXX, in the amount of {$120.00}, which we are aware would still be reflected on his credit, however they're listing the debt as from XXXX like mine on his reports, which would extend it yet another 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: BARCLAYS BANK DELAWARE
State: FL
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:
XXXX Hard Inquires XXXX XXXX XXXX , XXXX XXXX Fraud No action has been taken request removal I did not Authorize Brclysbankde  Hard Inquires XXXX XXXX , XXXX    XXXX XXXX Fraud No action has been taken request removal I did not Authorize XXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX Fraud No action has been taken request removal I did not 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 2017-11-29
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XXXX/XXXX/XXXX Midwest Recovery Systems, XXXX placed a collection item on my XXXX credit report and then on XXXX/XXXX/XXXX they contacted me by phone about an installment/payday loan (? ) from XXXX XXXX XXXX. At that time I indicated that I had no knowledge of this debt and requested that they send me something in writing so I could investigate. They only thing they wanted to reference ( verbally ) was an IP address which means nothing to me.

It 's now XXXX/XXXX/XXXX and I still have n't received anything in writing from them. It 's my understanding that they must send me something in writing within 5 business days of initial collection action/contact. 
Ironically, on my credit report there 's already a notation that this is disputed and I did n't file this. I 'm assuming that it was done by XXXX, but I do n't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am unable to speak to a live person concerning an issue with my account. 
Avant -XXXX This is preventing me from resolving the issue. The company sends same form letter over n over and will NOT let me speak to person to discuss/so they can understand to resolve. Runaround to defraud/run up charges. 

NO MORE GENERIC FORM LETTERS. CONTACT ME BY PHONE TO DISCUSS. so I can explain it to you so you can UNDERSTAND.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company SYNCBXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
After numerous attempts to correct the incorrect reporting of an inaccurate account, this has damaged my credit and is not accurate.

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 2018-09-14
Company: LTD Financial Services, L.P.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX, I returned to work from a meeting and the front office receptionist said I had a missed a call from a woman who would not leave a message with her OR on my voicemail. She gave me a phone number : XXXX. I was on my way to another meeting so I couldnt get the full report of what was said, but the woman on the line refused to say where she was calling from and my receptionist implied that it was a debt collector which is embarrassing. Further, I don't owe any debts, so it must be inaccurate. My ID was stolen earlier in the year, and although I was able to recoup my losses from my bank, there are residual effects of my ID being available for all kinds of scams ; I assume this is from that. 

However, later today the woman called again to my direct line at work. She asked me to verify personal information and I refused because she would not tell me where she was calling from or why. She got increasingly aggressive. Ultimately, I told her that this was a business and if there is a personal or financial issue with me she can not reach me on a business line. About 10 minutes later she called again. 

It is extremely unprofessional for me to be placed in a situation where I could have a debt collector call my office multiple times a day. It is also not allowed after they have been told by an employer that employees can not receive these kinds of calls at work. Further, since she would not identify herself, it is unclear if this is a real claim of any kind or a scam. 

I looked up the number online, and it seems to belong to LTD Financial Services which has been sued before for bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 have performed transaction to transfer money from my ( Sender ) bank to receipent Bank in XXXX for {$320.00}. They told me money will be available for receipent by XX/XX/2021. The have taken out money from my Bank XXXX XX/XX/XXXX or XXXX but didn't submitt to Receipent. On XX/XX/XXXX calling Wester Union they issue me Ref # XXXX .I m trying calling them to give me status or report .They Put me on hold for long time .Can someone please look in this matter and Today is XX/XX/XXXX don't know where my money is. For further inquiry or questions I can be reached at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX applied a late payment to my credit in XX/XX/XXXX. It is now XX/XX/XXXX and the late payment was supposed to be removed. That was the ONLY late payment on this account. The card is still active & in good standing but they wo n't remove the late payment.

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 2019-03-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX/XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX 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 2019-03-27
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX Last reported : XX/XX/2019 {$13000.00} THIS ACCOUNT WAS PAID IN FULL TO A XXXX BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # CAPITAL XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX IXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.

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