BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please do what is right! What is correct and honest! If I have to pay something I will do it. ( This is not a valid bill ). But this is a fraud! I'm very honest person, serving at XXXX XXXX. Please help me! This company : XXXX XXXX trying to get money from people. 2 years ago I had a serious problem with this fraudulent company. And I didn't report them. Now I have to! They reported a false collection to XXXX. Why false? Because they don't have enough proof. They don't have details, or an explanation showing step by step where the bill came from ... Here 's the information : Original Creditor Name : XXXX XXXX ; AMOUNT {$150.00}. I had no idea! I didn't know anything about that. I contacted them, they sent me a fake bill that anyone could make it very easily using XXXX or any XXXX App.. I also had to contact XXXX and you know what? They didn't have any details of where that {$150.00} came from ... After fighting with CONVERGENT and talking with many people they removed that false collection from my Credit Report. ( On XX/XX/XXXX ). On ( XX/XX/XXXX ). I saw on my credit report the same collection again that it was removed from my Credit Report 2 years ago! How was possible? If the collection was removed 2 years ago? I felt so bad ... Do I have to call the police or what can I do? I don't know if it's a joke or what? ( IF THE COLLECTION WAS VALID, IT MUST BE ON MY CREDIT REPORT FROM XX/XX/XXXX ... BUT IF THEY RECOGNIZED AS AN INVALID COLLECTION AND IT WAS REMOVED FROM MY CREDIT REPORT IS BECAUSE IT WAS AND INVALID, FALSE COLLECTION CONSIDERED AS A FRAUD BY XXXX ). And I also asked to this fraudulent company ( XXXX XXXX ) today XX/XX/XXXX Why they are not doing what the law required? They must send me a letter, notice and give me 30 or 60 days to respond to your letter, but they DIDN'T SEND ME ANYTHING ... I also request them a bill, but not a fake bill created by them, but a real bill with details, and they refused. They didn't have an answer when I asked them why they are against t 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 explanation
Consumer complaint received 2020-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened : XX/XX/2017 Balance {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
credit acceptance used vehicle loan open in XXXX went in to chapter XXXX XXXX credit acceptance tagged my XXXX  report with 24 late payments when they knew the trustee was paying under my plan they knew these late pays were false when they entered them they need to be made to remove them immediately entries were made during XXXX and my chapter XXXX XXXX just discharged XX/XX/XXXX they legally could not report anything negative then the bankruptcy

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 2020-05-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a MasterCard with Citi that I have held since XX/XX/2014. I have never had an issue paying the account, have not gone delinquent. I have used the card and paid as agreed for over 5 years. During XXXX, I was distracted caring for a sick family member and forgot to make the payment for early XXXX. When I logged in and saw that I was past due I immediately made the payment. They charged a late fee. Also, within the same week, they sent me a notification that my credit line was decreased. The reason the noted in the communication was that " they show I have high utilization of other credit accounts. '' I take offense to this tactic of taking adverse action on a long time customer who is in good standing. During a crisis where all institutions, including Citi, say they are here to help and this is how I am treated. My credit utilization has been the same for the recent 2-3 years and I am current on all of my credit accounts, mortgage and car loans. Nothing is past due. To impact my credit line, charge a late fee during a global pandemic is unacceptable. Also, on this account, I have not used it recently - which should be viewed as me being responsible and paying down this debt and other debts. My high utilization will be further impacted by Citi reducing my credit line, which in turn will show me at a higher credit utilization for this account and my overall credit profile in general. I think it is an unfair practice. I am requesting that Citi reverse this decision, restore my account, which is in good standing and paid current, never past due. I'd like the initial credit line to be restored and the late fee reversed.

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 2019-08-17
Company: EQUIFAX, INC.
State: VA
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:
After my last dispute with Equifax, my XXXX score is showing my most recent missed payment is from 2 months. I haven't had a missed payment in more than 2 years, by error of the bank, and I'm still disputing.This need to be corrected as soon as possible, as the report is not showing any missed payment, in Equifax or other bureau.See attached score showing the error.Equifax is now reporting 2 of the three missing accounts they weren't before the dispute, but they still are not reporting a loan from XXXX XXXX. XXXX XXXX assured to me they are reporting to the three bureaus. I'd like this account reported in Equifax as soon as possible.Attached information for the company about the loan.I have tried several times entry in equifax to check the status of my dispute and the system always reject my entry. It is the only bureau is giving problems when I answer the verification question. I'd like they review and verify all the information they are reporting match with their own system.I have submit a claim form to request free access to my credit report offered by Equifax after the date breach. I'd like to know when I will have access to my data.Attached claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I called Midland Funding, LLC that is the collection agency handling my XXXX Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called Midland Funding 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called midland 's  main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in XXXX and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in XXXX   then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX XXXXXXXX that was currently in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: VANDYK MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2021 : After recieving a tax bill from the City of XXXX and confirming with the city that my property taxes have not been paid, I email XXXX XXXX at XXXX XXXX asking about it. 
XX/XX/2021 : XXXX XXXX at XXXX XXXX says she is working on it. Escrow analysis shows that I have a {$900.00} surplus. 
XX/XX/2021 : XXXX XXXX XXXX to ask for status update on escrow account. 
XX/XX/2021 : XXXX XXXX XXXX because taxes are still unpaid and escrow analysis has not been updated. 
XX/XX/2021 : Recieved this email from XXXX 's secondary XXXX explaining the issue. " First and foremost, this is being taken care of today. It will take us a day or two to get all the dust to settle, but the taxes are being paid ( again XXXX. The background - when we closed, the tax bills were not issued yet. Because of that, we set aside funds that were an estimate ( {$1200.00} XXXX which remained at title to disburse when the tax bill came out. Unfortunately, the amount we actually were taxed for and what we set aside at closing to pay the upcoming bill ended up being different, which led to a shortage. The second issue is that when we attempted to pay the taxes again in XXXX XXXX we use a third party ), that amount came back higher than what was actually billed by the city. Those funds were returned from the city and we have payment going out today on it at the correct amount.Any penalties incurred will not be charged to the borrower in any way, those we will cover. We also are going to be running a new escrow analysis for this borrower, that does take at least 48 hours to run and become effective. With those two in hand, this should be resolved moving forward. Let me know if you have any further questions and apologies for the delayed response times. '' XX/XX/2021 : XXXX XXXX emails me to say that my new escrow analysis should be in the mail fairly soon. 
XX/XX/2021 : XXXX XXXX XXXX to let him know that I have not recieved a new analysis. No new analysis on " other documents '' page where other ones are located. 
XX/XX/2021 : XXXX XXXX emails that he is checking on it and will get back with me. 
XX/XX/2021 : Still have not recieved new analysis and XXXX XXXX has not provided an update. I have also not recieved the {$900.00} surplus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My request to increase the credit line for my XXXX XXXX XXXX XXXX account was denied because of high credit available on other accounts. This is available credit that I have not used because of the high interest rate associated with the available credit line. XXXX XXXX XXXX XXXX is offering 0 % interest for 12 months, so I requested a credit line increase for debt consolidation purposes. 

XXXX has a longstanding history of explicit discriminatory business practices. It is a standard and customary for XXXX to denied credit card applications, credit line requests, and other loans solely based on the ethnicity of the customers name and/or the racial demographics of the areas the applicants reside. 

I do not expect XXXX to admit to any wrongdoing. With that said, I am requesting the U.S. Justice Department and the Consumer Financial Protection Bureau to investigate the banks business practices.

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 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America still hasnt credited my account in full for my missing credit and has been giving me problems pertaining to my other dispute for over XXXX as well as sending me letters that are fraudulent pertaining to what I have said. I never said I was only missing XXXX and they have been working on several disputes for almost a year now They have refused to add notes so when Ive called they have told me no notes were left etc. Someone from their bank is purposely screwing up my account and keeping my money as far as im concerned and now i cant access my account. As far as im concerned they are stealing money from my account. I want my money back and i want them investigated now.

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 2018-07-14
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2013, we contacted our then current cellular provider ( XXXX ) to advise them of our desire to change carriers and confirm that our account status was paid and up to date. We were advised that in order to change carriers, we had to have a {$0.00} balance with our old carrier prior to changing to a new one ( XXXX ). We spoke to a XXXX representative at the store literally 100 ' down the mall from the XXXX store who informed us that our account balance was {$0.00} and we were free to change carriers. We also confirmed this with XXXX, who had to do a check on our account in order to import our current cellular numbers over to XXXX. We were informed that this could be done and we could initiate a new account at XXXX and did so. We received several invoices from XXXX many months after terminating our account with them and disputed the amount over the phone with customer service reps. Years later, we received notice that the debt had been transferred to XXXX XXXX, who was listed as the new creditor. When we inquired with Convergent, we were never sent any supporting documentation of the actual amount or how that amount was reached, only that they said we had a balance of approximately {$1200.00} that was from our termination of our account. We have disputed the matter using XXXX XXXX and Convergent still lists the account as valid. We would like to have the matter removed from our credit report, as we do not believe the debt to be valid.

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 2018-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
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:
This USAA FSB account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. USAA has been asked to correct this  inaccuracy. XXXX  and XXXX  have also been notified to correct the false information but have not.

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 2020-05-15
Company: EQUIFAX, INC.
State: AZ
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 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. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX my employer XXXX XXXX XXXX authorized a payroll deposit to my checking account with Bank of America to provide sufficient funds for automated ACH deductions that occur monthly. Unfortunately the Federal Bank Holiday that occurred on XX/XX/XXXX delayed the deposit until XX/XX/XXXX. Bank of America allowed three automated ACH transactions to occur on XX/XX/XXXX causing three overdraft charges of {$35.00} each totaling up to {$100.00} in bank fees to be deducted from my employer 's bank deposit. This caused a severe financial hardship and I inquired with the bank through their automated XXXX customer messaging system about seeking waiving of these fees as I did not have control that the ACH deposits would still occur prior to the employer deposit on a bank holiday. I was not provided relief of these charges and am seeking the assistance from the CFPB to convince the bank of waiving these overdraft fees in good nature of the issues caused by this bank holiday and allowing of charges to occur prior to my employer 's bank deposit. Thank you.

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 2018-02-27
Company: SYNCHRONY FINANCIAL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a call from XXXX with a case number. The lady threaten to serve me and burn my house down. She threaten to abuse me at my employer. She told me information about someone that is other than myself she was trying to collect for. She did not verify any information. She started to scream and threaten profanities, threaten my life, my home, said there are items in the court record they are trying to serve me papers on. There is nothing. I dont have a credit card with XXXX XXXX. Nor have I ever. The debt if at all in question was deemed fraudulent.

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 2021-04-27
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been trying to get my money from my coinbase account for almost two years. I sent them countless amounts of tickets and they have closed every single one of them. It was only today that I received an email from them saying that they decided to close my account and that my funds needs to be withdrawn. My account is now in the process of closing but I can not withdraw my funds. When I try to do that it says this : You are currently unable to send Bitcoin. Please contact support.

I sent in another ticket about that message and not being able to withdraw my money from my account. They have never even replied to ANY of my support tickets so I don't know how I'm going to contact support over this withdrawing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XX/XX/2020, Experian did not delete as requested and just updated the accounts for XXXX XXXX XXXX. As relevant proof I disputed these XXXX XXXX XXXX accounts with XXXX, since XXXX  had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous XXXX XXXX XXXX accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX 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 2020-12-08
Company: EQUIFAX, INC.
State: CA
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:
I am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, XXXX, and Equifax. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation