BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted over the app XXXX XXXX, and was fooled into sending my XXXX XXXX XXXX brand new like a almost {$950.00} phone to this gentlemen. I was led to believe that money was deposited into my paypal and on hold. Appears it was all a scam. Ive lost out on my {$950.00} phone and was fooled into paying out my own pocket almost {$75.00} in shipping because I had believed that the payment was in my account please help me i can not afford for this to happen to me. Im XXXX XXXX and this has driven me to the verge of actual XXXX. Please help me get the money I'm owed being I know my phone is gone most likely forever. His email address is XXXX Please and thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CONRAD CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX. Conrad Credit Corporation does not stop calling me. I have asked them in writing to stop yet they call me anyways. Its to my understanding that when you ask a debt collector to stop calling and to communicate in writing only that they are supposed to stopthey havent. I am very upset because they called me at work and I told them I cant take calls at work and I got into trouble by my employer whom I am up for review on a promotionthat does not look like its happening anymore thanks to the unwanted calls at work that got me into trouble. 

I have asked them to also provide information about the alleged debt yet they still call and they still are reporting negative information on my Credit Report. I understand they can not continue to attempt to collect ( or call ) yet they do this anyways. 

I dont know why I must spend so many countless hours trying to resolve this matter its causing me a lot of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The cashier at Kohls signed me up for the card. I never got anything in the mail or E-mail after. No card, no offers, no nothing. I assumed that it fell through, but now that it is on my XXXX I feel scammed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Im convinced my identity has been compromised because : I received a credit card from HSBC Bank USA, N.A. which I did not request. A scan of that card and letter are attached ( XXXX XXXX HSBC Card.pdf ). Note the Reference Number : XXXX. 

I contacted HSBC and they had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem. 

A scan of the card and accompanying letter has been uploaded. The file name is " XXXX XXXX - HSCBC Card.pdf ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had 2 bank accounts with Bank of America. I had my single account for more than 20 yrs. The 2nd one was opened jointly with and for my son in XX/XX/XXXX. In XX/XX/XXXX, my son 's bank card was lost and someone deposited checks into his account in a different state. I am now in XXXX/XXXX  for fraud. However, I did nothing fraudulent and never have with my bank account.

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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These inquiries do not belong to me & I did not request anything from these companies.

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 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I joined XXXXXXXX XXXX XXXX in XX/XX/XXXX on XX/XX/XXXX. When my contract expired, one year later, I contacted management of my intention to cancel my membership. I was told that I needed to follow their cancellation policy stated on my contract. 

Their membership policy requires Certified Mail, receipt requested notification. I sent them a certified letter of my intent to cancel my membership immediately on XX/XX/XXXX. I have signed proof that they received my request, dated XX/XX/XXXX Phone calls and E Mails that I have made netted no results, their billing continues. 

XXXX XXXX XXXX continues to charge my credit card a bi monthly charge of {$20.00}. I've disputed this charge with my bank. I cancelled my credit card as well. Somehow, XXXXXXXX XXXX XXXX has been able to charge my newly issued credit card for the bi monthly dues. I have not authorized them to make any charges to my account. Nor, do I receive or use their facilities. 

I hope you can help resolve this issue. 

Thanking you in advance. 

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 monetary relief
Consumer complaint received 2019-08-30
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a Walmart credit card that was charged off in 2013. The payment information in wrong on the account.

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 2017-12-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX, XXXX has purchased a XXXX XXXX debt, which was listed as closed and charged off on all three credit reports. However, as per the FCRA regulations, LVNV failed to notify me in writing of placing this collection back on all three credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. The following items were cause by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 148 % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX XXXX XX/XX/2019 96 % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 89 % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 52 % Balance : {$510.00} / {$1000.00}

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 2022-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I am unsure of this company but Ive never given permission to be contacted by them. They are harassing me with early morning and late evening calls. Constantly daily multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 were multiple hard inquiries from different companies pulled that I did not authorize. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I wrote a check from my Chase Bank account to a XXXX customer. The check was deposited into XXXX checking account ; it was cleared and the image was posted on my Chase account. However, the payee reported that the check in her XXXX account was reversed with a fee, after it had been credited. Who has the money? The money was already drawn from my Chase account by XXXX. How can I trace this money?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: JPMORGAN CHASE & CO.
State: CA
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:
I called JPMCB about fraud that was done on my account. Back in XX/XX/XXXX. They have it documented as fraud but never removed it from my account. They then wrote it off as bad debt and sent it to collections. I just got back from over seas travel in XXXX to see that the fraud was never taken care of. I contacted them on XX/XX/XXXX and subsequently contacted them XXXX and they still have not removed this account from my credit reports. It is still on file at XXXX and XXXX   reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Sentry Credit, Inc.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The alleged debt is well over 12 years old or more. We believe the debt was discharged in a bankruptcy but if not, was most definitely written off at least that long ago. We had not heard from XXXX : XXXX XXXX or the alleged current creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over 11 years and suddenly in XX/XX/XXXX we got a notice from a collection company about the alleged debt seeking a settlement offer. At the bottom of this notice it said " because of the age of your debt you can not be sued for it and it can not be reported to credit reporting agency. '' When we talked to a paralegal friend we were told that if we submit any kind of response whatsoever, it will permit them to reinstate the claim on our credit record and have another 6 years to try to collect it. Therefore, we did not respond despite getting a new notice every few months. In XX/XX/XXXX we got a notice from a new collection company for the same alleged debt seeking to collect this alleged debt. On their statement was included the same information stating that due to the age of our debt we can not be sued and it can not be reported against us. And that making a partial payment will allow them to report back to our credit and reopen the account. Again we did not respond. Now today, XX/XX/XXXX we got a letter from yet another collection agency on this alleged debt threatening to sue and accusing of being is severe default on the account. No where on this new letter does it say we can not be sued due to the age of this debt. We have reason to believe that XXXX XXXX XXXX has reported this against our credit now and has illegally invoked collection practices on an account that was written off or filed in a bankruptcy over 12 years ago. The law states if we submit a claim denying we owe the account or anything that will cause the collection company to have to verify the company can then start the 6 years over and sue us for the debt. So we do not know how to resolve this without having this debt reinstated.

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 2020-07-28
Company: Experian Information Solutions Inc.
State: IN
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:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2017-01-27
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
While I was in school, I believe my student loan servicer, NelNet, recommended that I put my account into forbearance. I contacted NelNet to provide the dates when my student loans were in forbearance but I received communication stating they could not provide this information. I need assistance to obtain this information, as I think I was wrongly told to put my account into forbearance when I was in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Village Capital & Investment LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was furloughed due to the pandemic, i have been trying to reach my mortgage company. I was hoping that they would work with me. I have emailed, called ( XXXX XXXX ) the 800 number and any numbrs on their website many times left messages and They do not respond in any way! Very frustrated as time to make my mortgage payment nears. This has always been the case with this comp should never have refinanced with them! Was extremely happy with Rocket mortgage.Its very hard to get a hold of anyone if i have questions or concerns. Yet they are quick to remind me of my approaching payment by text! Anyone reading this please do not trust Village Capital with your mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: NCB Management Services Inc.
State: IL
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:
On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, XXXX  and XXXX ) to validate an account on my report. That account was from NCB for account # ending in XXXX. NCB did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same XXXX party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a credit alert via e-mail at XXXX pm CST via my XXXX Protect My ID program. I logged in and saw that BMO was reporting my account delinquent. I called XXXX at XXXX XXXX XXXX  to inquire about it, but that phone kept asking for my phone number and PIN but never led to an actual person. I then called XXXX and ended up talking to XXXX. 

He explained the XX/XX/XXXX payment was not received. Told him I sent it. He said because it was not a full payment, it was not applied. Paul admitted BMO has my mortgage payment, but BMO is refusing to apply it. During the conversation I learned my monthly payment had increased and that BMO never notified me of this. XXXX said BMO mailed me 2 notices, but when I asked him to give me the dates of the notices, he said he didn't have access to that. We went back and forth about the notices, he claiming I had received them but never producing any actual proof I had. I asked him to tell me what address BMO had sent the notices to, but he was unable to tell me either.

We were not getting anywhere, so I asked to speak to his supervisor. He put me on hold and told me his manager, XXXX, was on the phone with someone else and to give him a number XXXX could call me at. 

After my phone call with XXXX ended, I started looking at the statements online, my preferences and my paper files to try to better understand what was going on. The last paper statement I have from BMO was the one dated XX/XX/XXXX. The last escrow analysis I received from them via mail was dated XX/XX/XXXX for changes effective XX/XX/XXXX. Every year, once I receive that, I make changes to my monthly payment. However, I did not receive any escrow analysis in the mail for changes effective XX/XX/XXXX. 

I then turned my electronic version of my account with BMO. I went to the paperless statement setting to see if I could find any answers, but BMO tells me that I " don't have eligible accounts for paperless statements. '' I then checked the settings for security alerts and notifications and alerts, BMO has my current e-mail and phone numbers but never sent me an e-mail or a text about the change if payment and the so-called delinquency. I don't even get notices from BMO that a monthly statement is available. 

I then tracked down the electronic statements to see what answers I could find. It turns out that the mailing address on those documents is " XXXX XXXX XXXX XXXX, Return Mail, IL. '' Even the escrow analysis for changes effective XX/XX/XXXX doesn't even have my address!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is a fraud hold on my checking account due to a claim against me. I called and explain the situation on XX/XX/2018. They need 10 business days to resolve it. But I need access to pay my bill and rent for living. This is a financial hardship I am experiencing.

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 2021-08-10
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello! 
I've already file a complaint with this company on XX/XX/2021, the complaint number is ( XXXX ). However, I'm still seeking some some assistance in pay my mortgage payment and becoming current on my house note. I really appreciate your time and assisting. I can be reach @ ( XXXX ) XXXX. 

Thank you! 
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 2018-07-19
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: Information belongs to someone else

Complaint:
Received response to my CFPB complaint against XXXX XXXX XXXX about account reported on credit files. XXXX investigated and determined the account is not mine and is fraudulent. 

Follow up to Complaint against Equifax CFPB # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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