BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Commonwealth Financial Systems is stating that these accounts opened XX/XX/XXXX on my credit report. And that I owe money to XXXX XXXX XXXX. There is no way I can contact the hospital because they are no longer in business. XXXX XXXX bill that was supposed to be written off due to low income. I sent verification of my income and was told they would take care of balance. 

Original dates were not on my credit report, Collection agency is showing dates XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX {$1200.00} Acct # XXXX XX/XX/XXXX {$990.00} Acct # XXXX XX/XX/XXXX Credit report date XX/XX/XXXX amt- {$63.00} Acct # XXXX XX/XX/XXXX Credit report date XX/XX/XXXX {$1100.00} Acct # XXXX XX/XX/XXXX ***Credit report date XX/XX/XXXX Amount {$63.00} Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent the fraud packet that was sent over to me by a collection agency with all fo the information the company was collect and asking me for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: Duvera Billing Services, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for help with car repairs. You have 90 days to pay off with no interest on the loan. The loan company left out that if payment is return all the interest roll back on your account. My bank return a payment to them. But with in week the company put back though my account. It was payed. So check my balance. because this month. I was paying off. I only owed {$300.00} dollars. Because the return check they throw out the deal charge me all that interest and fee. They told me it was void out. I told no body told me that. She said its in my paper work. I didnt know that. Thats how they make there money. Thats not fair. I will never deal with this company again. I have been on time with my payed. This was the first time. This company sucks dont care about there customers. This company suppose help you not harm you. Now am owing {$420.00}. This is not fair. They should be shut down just paid loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: MD
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, Company Inquiries : 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 2021-06-02
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was scheduled to close on XX/XX/29. We called and emailed many times to ensure everything was ready to go. On XX/XX/XXXX I was told to stop worrying and paperwork would be ready the following Monday. I was continually given excuses and told to keep waiting. I eventually called and demanded a manager look in to the situation as I was then just a few days away from closing with no final loan documents or wire transfer amount. I was later called by my title company and was told I needed to bring more cash to close to meet my minimum investment requirement. No one could tell me what this meant, including loan officer, processor or title company. Eventually the manager explained that the sellers credit for house repairs had to be used to buy down the rate. We did not want to buy down the rate but were forced to or be faced with losing our {$10000.00} earnest money which the seller could keep due to a missed closing date. Bottom line Amerisave kept final disclosures from me until a day before closing. They then changed the terms on me to force me to pay an exorbitant amount for a lower rate which we did not want. They did this at the last minute when we either had to accept their unfair and deceptive terms or be faced with losing $ XXXX in earnest money. They could not explain the delays in telling me this which eliminated my chance to switch loan companies back to XXXX who I was already approved with. They also couldnt explain what this minimum investment requirement even was as we were putting nearly 50 % down on the house.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have objected to their evidence. My proper reason for objecting to material evidence include : Lack of foundation : the evidence lacks testimony as to its authenticity or source. 
Best evidence rule or hearsay evidence : requires that the original source of evidence is required, if available

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX is reporting incorrectly to XXXX  ; Experian and XXXX a collection in the amount of {$900.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and should be reporting a {$0.00} balance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus  to remove this item however, I have not been successful.

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 2021-06-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I checked my credit report and noticed Caine & Weiner reported a balance in collection of {$320.00}. On XX/XX/2021 I sent a certified letter which was signed on XX/XX/2021 with tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 I received a letter with no verification just amount due and case #. I sent a 2nd certified letter which was signed on XX/XX/2021 with tracking # XXXX. Have not received a resolution or an answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is the wrong information disputed on my credit report. Accounts are reporting in errors

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 2018-02-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
Ive made a basic dispute by calling Chases 800 number. A few days later I received a letter to be filled out and sent back. They offer three options to return it and I selected to fax it back to them. A few weeks later I received another letter, stating that They have not received my response. I faxed it over again, but decided to check and found a confirmation that fax was delivered. I called disputes department again and was told not only that there is no fax to be found, but that the charge was validated already. I asked how was it possible for them not to receive it, and was told that I have not faxed it over. Moreover, to reopen a dispute I have to fax them a letter asking them to do so.

I asked to speak to a supervisor, and got basically the same information repeated back to me. When I asked if they received the second fax I sent in, I was told that it make up to 30 days for it to hit the desk. Immediate follow up from me was, if it does take that long, is it possible that my original fax didnt hit the desk yet, and why would the dispute be closed if it takes them that long to process faxes. I herd back a robotic response that nothing can be done now and I have to fax a letter to reopen the case. I asked for a phone number to the executive office and was offered a mailing address instead, as I wanted clarification, supervisor XXXX XXXX cordially informed me that JP Morgan Chase executive office does not have a phone number ( I guess company is saving money buy not having to buy phones for that office building ).

I said that my next step would be getting in touch with CFPB and miraculously he told me that my fax was located. Somehow, it was not attached to a dispute, and the full credit card number on the letter and name of the merchant made it impossible to find it earlier. I asked for a quick resolution, after Chases XXXX up, but instead was told to wait 30 days. 
I have XXXX confidence in Chase, their Credit card division has let me down numerous times in the last 6 month, and I dont want to pay for the useless product that I had to throw out and just waisted my time on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: CITIBANK, N.A.
State: NY
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:
I applied for a balance transfer from my Citi bank credit card to my XXXX XXXX  account. The Citi bank already changed me {$1000.00} but, the amount did not reach in my XXXX XXXX account. I already contacted Citi bank and XXXX XXXX  several times regarding the issue. When I called Citi bank, they said every time that, XXXX XXXX already cash out the check of {$1000.00}. When I called XXXX XXXX, they said, they did not receive any check from Citi bank. I called several times to both banks and they said the same thing over and over again. Now I am feeling hopeless regarding this issue.

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 2018-02-23
Company: Worldwide Processing Group, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving harrassing phone calls at work, home, and on my personal cell phone from a companyh FMR ( Forward Movement Recovery ). Every time they called it was a recording stating my name & they were looking for my whereabouts. AT the end of the recording it says to press 0 to speak to a representative. At that point you're placed on hold & then you are hung up on. Today I called the number back ans spoke to XXXX. AT first he was very friendly & stated that I took out a payday loan from a company called XXXX XXXX XXXX back in 2014 & I never repaid it. He knew my place of employment, my bank account iformation, and my home address. I asked that something be sent to me in writing and he said that he would once he verified my personal information. He stated that this company has attempted contact me via email and regular mail for years & I have not responded. This is FALSE. I have never taken out a pay day loan. When I told XXXX that this was a scam & that I would be reporting this he became very aggressive and rude. Telling me that I was threatening him & he was no longer willing to send me any documentation about this matter. He said that he has my voice recorded saying that I was refusing to pay & that I was reporting them. I just want this to stop. I have never applied for any such loans nor have I ever received any funds. The person I spoke to was XXXX at FMR  XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Transworld Systems Inc, on behalf of XXXX started garnishing wages from my account for a XXXX XXXX on XX/XX/XXXX for the amount of {$260.00}. After the garnishments started, I paid the balance off in full with a one time payment on XX/XX/XXXX. In the process of them processing my loan payment, they deducted an additional {$270.00}. I contacted Transworld and an refund was issued for {$270.00} on XX/XX/XXXX. I deposited the check last week ( XX/XX/XXXX ) with XXXX XXXX, and I was informed on XX/XX/XXXX that the check did NOT clear. I repeat, Transworld sent me a refund check that bounced. I contacted them 5 times over a three day period -- from Tuesday evening XX/XX/XXXX ) to Midday Thursday ( XX/XX/XXXX ) -- and I get the same answer from every customer service rep ... email the supervisors. I have emailed the supervisors with a copy of the check and left a few voicemail messages and I have yet to receive any response. So as it stands they basically took me for {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a paypal credit account in XX/XX/XXXX. The purchases were deferred for interest. The minimum amount due was always paid on time. For several months, I did not receive a bill. I spoke with Paypal ( XXXX ) in XX/XX/XXXX to inquire about my statement. She promised to mail me my statements. I never received them and later found out from paypal that she did not mail them as promised. I spoke with XXXX, Agent ID XXXX on XX/XX/XXXX. She explained how to view statements online. She transferred me to XXXX, Agent ID XXXX who then settled the account for {$1600.00}. He said he would waive the interest accrued and late fees since I did not receive my statements. I agreed to this and gave him bank information to take a payment. They debited my bank account on XX/XX/XXXX for {$1600.00}. On XX/XX/XXXX, I noticed online a balance for {$350.00}. Paypal is now saying they did not agree to waive the late fees and incorrect interest accrued and that they don't have any notes from the representatives that I spoke to. They also said they do not have any records on the representative who took my payment of {$1600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-01
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Refusing to cease and desist all communication except by us mail. They are saying state law allows them. They are violating federal law. Contacted on XX/XX/2020, XX/XX/2020, XX/XX/2020 multiple times after they responded to my first complaint denying they quit and werent doing it. Please see screen shots of the emails we have exchanged. Im going to sue them for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've tried on more that one occasion to do a service cancellable loan and each time that i'vover XXXX e applied I have been told that i don't qualify. I've been XXXX  more that 20 years and i would like to retire one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I've been trying to get a personal loan to fix my XXXX  ramp. On XX/XX/2020 I received a message from XXXX XXXX and Sun Trust Bank saying the loan was approved. I contacted XXXX XXXX and he told me in order for them to fund my loan I would need to purchase PPI. My credit score is nearly nonexistent because I don't have a credit history. I've never had credit cards or revolving loans or such things. I transferred the {$75.00} fee to XXXX XXXX as instructed by him. When I asked when the money would be deposited into my checking account he informed me I would need insurance to pay the loan in case something happened to me and I didn't pay the loan. He sent me a message saying it wouldn't require any more money from me. When I got home I got in touch with XXXX XXXX and was told I would need another {$120.00}.. I objected asking about the {$75.00} he now called it a processing fee. I asked him to return the {$75.00} to me and to date I have had nothing processed nor do I have the loan money. I realize I was foolish but I learned a valuable lesson. I would like my {$75.00} refunded from Sun Trust Bank and / or its representative 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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-10-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and while remedying the effects, I have ordered my Chex Systems report. On this report there is an account with XXXX XXXX  that was not opened by me. This account was opened fraudulently. I have submitted documentation to Chex Systems and the fraudulent account is still reporting on my Chex systems 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 2019-01-16
Company: PlusFour, Inc
State: NV
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 recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from PLUSFOUR INC reporting from XX/XX/2015 As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud

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 2018-02-02
Company: SYNCHRONY FINANCIAL
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:
There's a hard inquiry on my credit report I'm terrified of Airplanes I'm for certain I didn't apply for a credit card to receive discounts to fly the compay is XXXX XXXX and also I have closed student loans on my account that should be removed or i would like for them to be removed 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