BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates claims to have spoken with me on XX/XX/2019. This is FALSE. They have collections on my credit profiles in the amounts of {$1100.00}, {$1100.00}, {$1600.00}, {$1100.00}, {$660.00}, and {$1300.00}. They claim that I owe these amounts to XXXX XXXX XXXX. I've asked them to provide signatures as proof. They haven't because they can't. I have never been to that medical facility in my life as I've not been to a doctor in a few years. I don't owe anything and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I turned XXXX on XX/XX/2018 and was enticed by Citibank 's promotion to open new checking and savings account. I went with my grandfather and opened the account at Citibank XXXX, FL branch. Promotion was for {$200.00} and the personal banker guided me for the same. I made a note to maintain the balance of $ 25k+ for 60 days as mentioned to me, which I did. Citibank denied the promotion on false pretenses and requirements, which were never clarified or mentioned during account opening. When I went to branch they told me to call the toll free number. I was on a long hold with my dad to get the issue resolved ( over 1 hr ) and to no avail. They could not even find any promotion listed on my account.

Citi is doing deceptive practices and I am annoyed by their customer service.

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 2021-09-08
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has threatened to ruin my credit e en though that is against the law to make threats. They also have been told that Ive never owned an animal to have a anima hospital bill in my name. Im allergic to cats and dogs so its impossible for this debt to be mine! I want this deleted from my credit report immediately.

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 2020-08-03
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
these companies are allowing you to skip payments due to Covid-19 however they are still charging high interest rates. They are financially benefiting from a Pandemic and that should be against the law. There needs to be more protection/help for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I initiated a {$3000.00} withdrawal ( bitcoin to USD ) from Coinbase to my XXXX XXXX account. This was marked " COMPLETED '' on XXXX XXXX, XXXX at XXXX. The estimated arrival time to my XXXX account was XXXX XXXX. 

Reference code : XXXX After XXXX XXXX, I checked my account every day and I have been in contact with XXXX who says no funds have been sent. 

On XXXX XXXX, I filed a Support Ticket with Coinbase ; it is Case ID : XXXX. I received an automated response explaining why my ACH withdrawal may be in " Pending '' status - however, my withdrawal was marked " COMPLETED '' since XXXX XXXX. I followed up with two e-mails and tried to get a hold of their support group - nothing. 

It is now XXXX XXXX ( 2 weeks ) and there is no trace of my money ( it has been gone from Coinbase since XXXX and never arrived to XXXX ) nor any communication from Coinbase 's support group. 

I would consider this complaint resolved the moment Coinbase actually executes my {$3000.00} withdrawal ( after fees ) and sends it to XXXX. 

Any help is much appreciated - thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Santander Consumer USA Holdings Inc.
State: MA
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/XXXX I wrote a letter to Santander disputing my DOFD. I have been disputing inaccurate information such as DOFD, Balance, amount due, and the age of this tradeline being over 7 years old from DOFD, as well as no investigation or attempt to correct data it is STILL reporting to the CRA 's. I received a letter from Santander on the XXXX of XX/XX/XXXX, stating the information was accurate and verified. I have also disuputed the information with the CRA 's directly, neither XXXX XXXX or XXXX have removed the inaccurate information and are STILL currently reporting inaccurate data which is blatant and inconsistent. I have filed a complaint with MA AGO on XX/XX/XXXX. 

My letter to Santander stated : Dear Santander Consumer USA, I am writing to dispute the following information that appears on my XXXX consumer report : Date of First Delinquency : XX/XX/XXXX. The XXXX credit report dated XX/XX/XXXX, and the Credit file dated XX/XX/XXXX are both reporting Date of First Delinquency as XX/XX/XXXX, this is inaccurate information. The Correct Date of XXXX XXXX is XX/XX/XXXX. On XX/XX/XXXX I became 31 days past due on my Retail Installment Sale Contract, this marks my Date of First Delinquency. My retail installment Sale Contract signed XX/XX/XXXX notes my first payment due of {$410.00} beginning XX/XX/XXXX and recurring monthly. I was delinquent on my first payment, not issuing payment on the agreed upon XX/XX/XXXX date, first payment was made XX/XX/XXXX. On XX/XX/XXXX I was issued a late payment fee of {$5.00}. I have enclosed my Transaction history, retail contract, and bank statement to verify that my Date of First Delinquency is XX/XX/XXXX. 
Also, I have confirmed my date of First Delinquency with XXXX, Employee ID XXXX in Loss & Recovery via a phone conversation on XX/XX/XXXX at XXXX ( duration of phone call 27 minutes ). XXXX Confirmed that on XX/XX/XXXX, my account was 31 days past due. 
I have attached a copy of my XXXX Credit file and credit summary, that contain the inaccurate information. 
I am requesting Santander Consumer USA report the true and accurate Date of First Delinquency of XX/XX/XXXX to XXXX XXXX, and XXXX 

... .. '' I was advised by a counselor at XXXX XXXX XXXX to choose one specific violation i.e. DOFD that was easily proven incorrect. 

I have tried to dispute this at the community level, and state level to no avail and I am hoping the CFPB will aide me in amy efforts to be free of this actively on-going harm I am caused by Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After years of using XXXX, I received a letter from XXXX on XX/XX/XXXX that stated : " During a recent review of customer accounts, we discovered you were using a significant amount of data while roaming off the XXXX XXXX XXXX. 

While we appreciate you choosing XXXX, after XX/XX/XXXX, we will no longer offer service for the numbers listed above since your primary place of use is outside the XXXX service area. 

We encourage you to evaluate your wireless provider options and switch your service on these lines to another provider before XX/XX/XXXX. After your XXXX is discontinued on XX/XX/XXXX, you will no longer be able to transfer your phone number to a different provider. '' I switched providers on XX/XX/XXXX. Having to start over was very costly as the new provider did not support any of the devices we were using with XXXX. The letter also go on to state that outstanding balances will be waived no later than XX/XX/XXXX. 

I called XXXX when I first recieved this letter to clarify that, yes, they were indeed disconnecting our service, despite the facts that we were long term customers and current on our accounts with them. 

I received another bill from them after I switched to a new provider. I called them again and clarified that balances would be waived. I believed my accounts with them had been settled and closed. 

I reviewed my credit report and I now have an account in collections from XXXX opened on XX/XX/XXXX for the amount of {$240.00}. I do not believe that this is valid. I have already disputed it with the collection agency, Jefferson Capital System. This was their response, " Account information disputed by consumer, meets FCRA requirements. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a business checking account with Bank of America in XXXX of 2017. I do not recall ever being asked to opt-in to overdraft protection, in accordance with the overdraft protection law. I was given the option to opt-in to something the bank called " overdraft protection, '' which I declined. Family health issues caused me to step back from my business for several months and I incurred more than {$1000.00} in overdraft fees. During the course of trying to address this with the bank, I learned that what they call " overdraft protection '' is really just the option to link some other form of payment to my account. I spoke with several customer service rep 's before talking with a supervisor named " XXXX '' in XXXX. He told me that the default setting on all business checking accounts is for them to cover overdrafts, at their discretion, and then charge a {$35.00} fee for each transaction. This, he said, is why they had charged me more than {$1000.00}. I told him that this seemed to be in conflict with the Overdraft Protection Law and that their word-choices seemed a clear-cut example of deceptive marketing. He refused to explain to me why the law, seemingly, was not applied in this case, how I could keep from incurring fees ( other than by telling me to change my notification settings ) or why their definition of " overdraft protection '' was different than the layman 's version ( and that contemplated in the law ).

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 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, Experian, XXXX and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on Experian it also shows me being late in XXXX on XXXX and XXXX on Experian. The only reason I cant show you that XXXX also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I don't believe I had a credit card that they are claiming I had, it was XXXX XXXX from XX/XX/XXXX so they say. They keep calling repeatly threatening me that they are coming to my home, using abusive language and swear words. They will not stop calling, they use different numbers, some with my area code which leads me to believe that someone local is calling me. I am on disabliltiy. A small check to barely get by on. I am a nervous wreck. The last lady show called from XXXX said I was a XXXX and some other very gross things I cant repeat. 
Below you will find they numbers they call from. 
XXXX unknown XXXX XXXX they call on both my home and cell phone they are very threatening. 

My phone numbers are 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 2021-02-18
Company: Premium Credit Bureau
State: NY
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:
PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have not applied for any loans from your company on XXXX XXXX please provide proof on how this was done over phone in person? Please provide address and all additional information as possible someone is using my information for a loan or a line of credit and its on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In addition to my previous complaint filed XX/XX/XXXX. I have received response simply untrue. 

I had this account since XXXX, there was never an auto pay feature, even if its added recently to the website, this should not be an excuse of what happened prior. This was confirmed by multiple agents of yours over the phone, please check those call records. 

I logged in the account today and also realized all my secure messages were deleted. I have had multiple communication regarding payment issues and uploaded proof of payment scheduled by my bank. Why are they deleted? I saved a few and will upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Capio Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote a letter to a company Capio Partners Dept to let them know that I believe they were in error of a {$60.00} debt that they are claiming I owe them. I also demanded to see verifiable proof for the account # XXXX and to provide the description of the procedure used to determine the accuracy and completness of the information is hereby requested as well to be provided within 15 days of the completion of a reinvestigation and it was not done .I was not requesting Verification, but rather I am requesting Validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On a recorded conversation, both on there end and mine, Midland Funding agreed if I paid this debt they would remove from my credit report. This card was obtained fraudulently but I went ahead and paid the account as I am trying to clean up my credit report and was assured they would agree to remove this account. Like I said was a recorded conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a private student loan with navient and I sent them to checks last month in XXXX from two separate checking accounts and they seem to have lost both checks. Neither one has posted to my student loan however both have cleared through my checking accounts. For both accounts when I look online it looks to be paid to Sallie Mae, not to navient. I have called navient multiple times and no one can answer my question as to where my money is. I also called Sallie Mae although I do not and have not ever had a loan through them to have them look as well. The first check I wrote is from XXXX XXXX, check number XXXX for {$450.00}. The second check was from XXXX XXXX XXXX, check number XXXX for {$480.00}. My account number with navient is XXXX. Since getting my student loan I have gotten married in my name is changed from XXXX XXXX to XXXX XXXX but navient still has my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: DISCOVER BANK
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
On Sunday, XX/XX/XXXX I noticed a charge on my Discover card account that I did not recognize : XX/XX/XXXX XXXX  for {$170.00} I immediately started a dispute, and a temporary credit was issued. 
I received a very poor quality copy of what looked like a shipping label and was told this was proof of a legitimate charge. I wrote a letter on XX/XX/XXXX to both Discover and to XXXX requesting information about the purchase. 
How was the order placed, online or by phone? Did the expiration date and CVV code match? 
I then received an email on XX/XX/XXXX from Discover that stated : We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. If you have documentation you have not yet shared with us, please send it within 15 days of receiving this letter and we'll continue working on your dispute. 
So I wrote another letter on XX/XX/XXXX, stating : I find it interesting that Discover is asking me for information that I can not possibly have, since I did not make the charge. I have never purchased anything from XXXX. This is a fraudulent charge. 
And the charge was put back on my account. So I wrote another letter on XX/XX/XXXX, asking the same questions. I was not given the courtesy of a response. 
So I wrote again on XX/XX/XXXX, and I also did an online chat. I was told that I needed to call Discover to continue the dispute. Discover requires written notification of any fraudulent charge. And I am requesting the same. I have written, and I have no response. Did anyone ask XXXX who placed the order, how was it placed? Can it be traced? I know they have not responded to my request for information. Is someone looking into the unauthorized use of my credit card? 
The entire balance on my account is this unauthorized charge plus interest. And I now have an email stating that my account is past due. Since I have not charged anything, I have a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX repeatedly abuses their power. 
On multiple occasions, they have provided no bill what so ever, yet have then threatened taking the bill to collection and affect my credit. This latest time, we traded our car in ( end of lease ). The dealership agreed to pay all remaining payment. XXXX XXXX XXXX sent a bill for damages to the car to an address that we have n't lived in for 4 years. 
When threatened with collections, we alerted them that the dealership would be paying, and just asked for some more time, since they were threatening collection in a week 's time. 
They admitted their mistake, but refused to push the deadline for payment. When I ask to dispute the claim against me, I was told I could not and there was no process to dispute. I did fax a dispute of the claims over to them ; however, I have not heard anything. According to XXXX ( customer service ), he has heard this story from costumers 100s of times in the year he has worked there. They do n't care, and they wo n't do anything to help despite admitting they are wrong. 
Additionally, under the Fair Debt Collection Practices Act, are n't I entitled to dispute the claim? Additionally, as part of the same act, are n't they required to cease collection of the debt until resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Turning Point Solutions LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2019 and XX/XX/2019, I stated to the company I was willing to pay what I was paying the other debt collector, XXXX, who went out of business, which is {$100.00} a month. However they wanted me to agree to their terms of payment. So I asked if I could have until the end of the month to budget, the supervisor got on the phone and said you know how much you make, you have 2 hours to agree to our terms or we are going to garnish your wages and I have your employers contact information. I said I will agree now on the {$100.00} a month but he told me to keep my little money for my lawyer. Then I said I have one and I pay every month, he said whats the number about 5 times before I hung up. I also got a message that I refused to pay which I never refused to pay.

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