BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-31
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been receiving multiple phone calls from Central Credit Services LLC regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked Central Credit Services multiple times for them to stop calling my employer and they still continue.

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 2018-01-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I enrolled my American Express card into this promotional offer ( see attached for email confirmation ) : use your enrolled Card to spend {$350.00} in one or more transactions in-store at XXXX XXXX or XXXX XXXX or online at XXXX or XXXX by XX/XX/XXXX. Earn XXXX additional Membership Rewards points, one time. 

On XX/XX/XXXX, after the enrollment I made on purchase for {$350.00} on XXXX and received American Express email confirmation that I will receive XXXX within XXXX days. Please see attached. 

On XX/XX/XXXX, after many calls following up with American Express, they refuse to honor the promotion. A disappointing scam as I would not have made the purchase on XXXX if it was n't for this promotion. I 've been with American Express for so many years and this is the first time I 've been so ready to discontinue my relationship with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Kriya Capital, LLC
State: GA
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:
With XXXX I have issued a letter of receipt for Credence acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With XXXX XXXX XXXX I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. XXXX confirmation # XXXX & credence # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked and {$32000.00} was withdrawn from my equity account without my permission. The bank does not believe that it was not my fault. Then they sold my debt to a debt collector that is forcing me to pay back the amount plus interest.

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 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have asked trans union to investigate a Bankruptcy that is being reported on my credit report and as of XX/XX/2018 they have refused. I have personally called the bankruptcy courts and they tell me that no information is ever released to trans union or any other credit reporting agency. I demand that Trans union provide me proof that a bankruptcy belongs on my report, I demand they provide information from the courts with my personal information. I also demand that trans union does not write any information on my credit reports.

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 2022-08-26
Company: Earnest Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
On Thursday, XX/XX/2022 at XXXX XXXX, after President Biden announced debt relief for borrows of federal student loans, student-loan refinance company Earnest sent an e-mail with a headline that wrongly suggested that the relief had already been applied to accounts. 

The headline read, " [ My name ], up to $ XXXX in fed loans is gone but what about the rest? '' At issue, someone seeing this headline may inadvertently refinance their student loan before their debt relief is applied. 

Also, the body of the e-mail says that " the Fed [ is ] raising their interest rates, '' which may make potential borrowers wrongly think that the rates on their federal loans are being raised. 

The e-mail is attached. To be fair, a disclaimer is at the bottom, but the whole of the e-mail can be misleading. 

Furthermore, the disclaimer on Earnest 's website does not reflect the payment suspension through the end of the year, let alone through the most recent actions towards forgiveness. The screenshot is attached. Go to www.earnest.com -> Student Debt Refinance -> Check my rate, or, equivalently, www.earnest.com/_/slr-ui/rate-check/get-started I do not hold federal student loans, but the issue is serious enough for the CFPB to investigate and prevent harm to potential borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I keep getting phone calls about a Chase card & I do not own a Chase card. The man had an XXXX accent & is harassing me verbally with XXXX inappropriate things. He calls from different numbers to speak about his XXXX & trying to have XXXX with me. Ive asked to speak to his manager but its a SCAM call. How in the XXXX do you stop this? This is so disgusting & disrespectful. Invasive even because he has my XXXX number. 

These are the two numbers he has called me from : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX, {$25.00} service fee XX/XX/XXXX, {$25.00} service fee The customer service representative also mentioned to me that there are service fee charges for XX/XX/XXXX. When I opened this account, no one from PNC told me that I had to maintain a statement balance over {$5000.00}, and otherwise, I would be charged for a service fee. When I called PNC today to dispute the service fee charges, it was the first time that they informed me about the benefits associated with this account and the balance requirement. I have never used any of those benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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: Account information incorrect

Complaint:
Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XX/XX/2019, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/19 I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XX/XX/2019, which was received on XX/XX/2019. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/19 and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.

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 2022-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX we submitted a dispute to all three credit bureaus XXXX Bank of America acct # XXXX we also sent XXXX certified letters directly to Bank of America on XXXX XXXX and XX/XX/XXXX tracking numbers XXXX and XXXX This account is currently appearing on our credit reports as profit and loss write off / charged off with a balance owing in the amount of {$72000.00}. This account was for an RV loan that we voluntarily surrendered back in XXXX. We have been making monthly payments on a balance that has not been verified. Bank of America has failed to respond to our multiple requests for documentation. We believe this vehicle was sold and the proceeds were not applied to the account thus any deficiency amount is questionable. Our credit reports do not reflect the proper status or that monthly payments have been applied. Bank of America has not been forthcoming with information and we need resolution as we continue to incur damages.

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 2022-01-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank Mortgage calls multiple times daily between the 5th and 15th of every month at my office reminding me the mortgage is due. It is never paid late. They are not only harassing me, they are harassing my staff. I want this stopped or Im suing them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts in question : XXXX XXXX XXXX I reported these accounts as fraud ( attached police report ). The accounts were removed as requested by me however no investigation was done by the credit bureaus or XXXX XXXX. Shortly after the account was placed back on my credit report without my notice or consent. I asked for the accounts to investigate and removed due to fraud. XXXX XXXX refused to investigate and provide me with original documents and statements to prove their claims. My requests were ignored which is a violation of my consumer rights. 
I sent a repeat FTC report and cfpb complaint regarding the fraud account and the accounts continued to be reported on my credit report. This is another violation of my consumer rights. 
Furthermore, I have informed XXXX XXXXl to cease communication on these fraud accounts. However, my requests have been ignored and I am still harassed several times a day for years by a robocaller phones number leading by to XXXX XXXX once answered. To my knowledge, this is also a violation of my consumer rights.

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 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am hoping that your firm can help me with the issue addressed below. 

Issue : At the beginning of XXXX of XXXX Capital One Bank restricted my checking account because of XXXX or XXXX money order deposits, amounting to {$10000.00}, made by an anonymous person. Capital One Bank will not allow me access to such funds.

Furthermore, Capital One Bank will not close my account, after several requests to do so. 

Capital One Bank refuses to tell me when this issue will be resolved. They tell me that the matter is under an internal investigation, without providing me with a timeline for the end of such investigation. 

So far, I have spoken on the phone with the security team at Capital One Bank about four times. The last time I spoke to one of the security team staff was today, Tuesday, XX/XX/XXXX. 

I do not know the identity of the person who made the mentioned deposits ( at the beginning of XXXX of XXXX ), which amount to {$10000.00}. I suspect its one of a few relatives who owes me money from a loan I extended to him several years ago.

I also suspect that one of such relatives returned the money to me anonymously because they do not wish to be associated with me in any way, due to some very damaging, but false, press reports about me several years ago. 

I wish to gain access to my money ASAP, and to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2019 I requested my free annual credit report from transunion. I gave my complete name, address, social security number. I have lived at the same address for the last 32 yrs, my name, address and social security number has not changed in 32 years.

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 2017-09-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My loan XXXX, his processor and myself have made multiple request for a payoff of my current principle mortgage balance from my current mortgage lender " Bayview Mortgage ''. and they refuse to send me, my loan XXXX or his loan processor a copy of the payoff letter. They have delayed my refinance for a month now causing me financial loss! 
Please intervene asap so I can refinance my mortgage and save money!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA. XXXX. XXXX. Uses XXXX and XXXX to call my number XXXX twice a day in search of XXXX or XXXX XXXX with regard to a XXXX XXXX XXXX XXXX Debt or Utilities Debt. I do not know nor ever have known any person by the name of XXXX, XXXX or XXXX. My publicly listed phone number was assigned to my by XXXX about 3 years ago. Convergent refuses to verify my number and or search else ware for their debtors. The persistent and unwanted calls have continued for 2 years no matter how many complaints I file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Client Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I settled a XXXX XXXX debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have XXXX XXXX update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report. 

I just received notification today on XX/XX/2019 that the balance went down and XXXX XXXX is listing me as delinquent on my account. This has made my credit score go down. 

Client Services Inc. did not say that this would occur. They only said that it would go from a charge off to a settlement in full. 

XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days. 

This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Professional Debt Mediation, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PROFESSIONAL DEBT MEDIAT XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I have paid the original debt in full twice. First payment was to the original source of the debt. The second time was to this collection agency who has refused to acknowledge the payment and continues to harass me. Please investigate this predatory company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: VA
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:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi, so my friend XXXX XXXX posted story saying make XXXX out of $ XXXXmy friend is my high school friend, who i know dince year XXXX so I chatted him & he confirmed the whole thing was legit.We dont talk much except casual conversation on instagram.his profile was also compromised & i had no clue until Monday XX/XX/XXXX. I keep saying i have bad feeling & chatting my friend ( compromised account ) but he is like no its legit. 

So the scammer goes by XXXX XXXX, full name XXXX XXXX asked for {$500.00}. We had our conversation through XXXX.send her money through XXXX, then she asked for {$1000.00} for pin. Then {$700.00}, then {$800.00} & then {$1600.00} XX/XX/XXXX. It started Friday evening. 

I even contacted another person who confirmed that XXXX XXXX was legit.They all blocked me but I have all the screenshots, XXXX XXXXas much information i can get.so on monday XX/XX/XXXX evening once I figured it out it was fake i start demanding money & at last the scammer agreed that im getting nothing.Called me XXXX, XXXX etc. deleted last couple massages so i cant report the account to XXXX. 

Then I reached out to Chase ( my bank ) and they just emailed me this morning that they wont be able to do anything.Reported with XXXX and they said they wont be able to do anything besides reaching out to the other party 's bank. 

Think this account as an example in XXXX. maybe created by my scammer XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Experian Information Solutions Inc.
State: NC
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:
I literally have Credit inquires and have no idea where they came from.

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