BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Prince Parker & Associates
State: KS
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 received this response from PPA regarding my previous complaint : Thank you for your correspondence. We have reviewed the information. PPA apologizes for any unprofessional behavior. The collection rep should have offered to file the dispute on the customers behalf or advised that the customers disputed information would be best to be put in writing and submitted to PPA via email or fax so we may file your dispute on your behalf with our client. Putting the dispute in writing allows you to specify why you feel the balance is not justified and to include any documentation you have to substantiate your claim. PPA has placed the account on hold at this time pending the receipt of Ms. XXXX 's disputed information. She will receive no further contact from PPA pending the receipt and resolution of the dispute. Please submit the dispute to XXXX or by fax at XXXX attention XXXX XXXX. We will submit the dispute to our client upon its arrival. Typical turnaround for disputed information is 30-90 days. 

However today at XXXX XXXX they called me again from phone number XXXX. I have still received no written notification or validation of this debt. They are harassaing me and I even told them on the prior phone call to no longer contact me and even after they stated they wouldn't they still called me again on my cellphone while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, In XX/XX/XXXX, I opened a 12 months CD with Marcus  by Goldman Sachs. Unfortunately, due to an unexpected circumstance, I will need to break the CD before its maturity date on XX/XX/XXXX. 

I called to find out what is the penalty that I will need to pay. Surprisingly I found that the penalty amount I need to pay will be higher than the total interest paid to me so far. 
This is an unfair practice as GS earned interest already on the money I deposited. However, as a penalty, they are charging me also for future interests they could have earned. 

The bottom line is that I am going to get less than the actual principal amount I deposited. 

I would appreciate any help to ask GS to reconsider the penalty amount to be more responsible and fair. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I've contacted XXXX 's on several different occasions attempting to resolve an issue regarding a payment they are reporting as " LATE '' on my credit report! I have also sent certified letters demanding they delete the late payment or provide me with proof/verification that my payment was late in the past. They failed to do so, and they have been very unhelpful in this whole process.

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 2019-03-08
Company: CHECK INTO CASH INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Check into Cash has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
XXXX XXXX XXXX is the current debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A Garnishment was added to my pay from my job without any knowledge or notification ... .I was told that they took me to court and I do not reside in new York XXXX So there is no way I went to court or was seen there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I inquired on a Puppy for sale on an online Pet website XXXX XXXX XXXX and was advised the total cost was {$500.00}. The seller requested a {$300.00} XXXX payment deposit. He then advised {$200.00} was ok and {$300.00} upon arrival of the puppy. Which we paid {$200.00}. He then texted and advised he needed all the money which did not make sense to me. The he said it was the seller XXXX 's brother XXXX. He said we needed to pay more to ship the puppy off and the Delivery Company was requesting protection insurance. I told him that was not the original agreement and he said he would try and fix the problem. I offered to pick up my puppy and pay the balance and he refused and said why would I waste my time and drive so far ( XXXX, CA ) when he could do everything. He then responded and said the puppy can be delivered " Today '' which was already XXXX. I texted him a few times and never heard back from him again. I called and texted and no response. 

PLEASE HELP! THIS IS A SCAMMER COLLECTING MONEY FROM INNOCENT PEOPLE. 

His email provided to send the XXXX Payment was XXXX. I immediately called the Bank Chase to advise I was being scammed and they said it was to late to stop the direct payment. I could not cancel the payment. 

Thank you kindly, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.

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 2019-10-22
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
IN XXXX, XXXX. I WENT OUT OF WORK FOR XXXX XXXX IN XXXX, VA WITH XXXX AFTER GETTING TO THE POINT OF NOT BEING ABLE TO GET OUT OF BED AND DO ORDINARY DAY TO DAY ROUTINE THINGS LIKE CLEANING MY HOME. IN XXXX I FILED FOR XXXX ON MY DOCTORS ADVICE AND IT TOOK, TO THE BEST OF MY BAD MEMORY, ALMOST 2 YEARS TO GET MY XXXX AND COST ME XXXX DOLLARS FOR SOCIAL SECURITY AND FOR MY XXXX FROM FEDERAL GOVERNMENT TO KEEP MY INSURANCE BECAUSE OF PRIOR HEALTH PROBLEMS. I HIRED A COMPANY IN CALIFORNIA TO HELP ME RESOLVE MY CREDIT DEBT. I WAS A SINGLE MOM WITH XXXX SONS TO RAISE AND NOT A LOT OF HELP FROM THEIR DAD. I HAD SETTLED A COUPLE AND THEN WAS SERVED WITH WARRANT OF DEBT FROM 2 BANK COMPANIES. I COULD NOT PAY WHAT THEY WANTED BECAUSE I HAD LOST OVER 10 THOUSAND DOLLARS IN SALARY AND WAS JUST TRYING TO KEEP MY SONS IN THEIR HOME WITHOUT UPSETTING THEM MORE. SINCE THEN THE CREDIT COMPANY LVNV Funding , LLC HAS BOUGHT THE DEBT WHICH IS PAST THE STATUE OF LIMITS FOR COLLECTIONS AND HAS SERVED ME NUMEROUS TIME AND THE LATEST WAS LAST XXXX WITH ANOTHER WARRANT OF DEBT. THE COURTHOUSE IN XXXX County SENT OUT A LETTER TO OBTAIN AS TO WHY THIS COMPANY COULD NOT GARNISH MY BANKING FOR WHICH MY XXXX CHECKS WERE BEING DEPOSITED INTO AND I FILLED IT OUT AND SENT IT BACK WITH COPIES OF MY XXXX STATEMENTS. LVNV Funding, LLC SENT OUT A NOTICE EXACTLY LIKE THIS ASKING IF I WAS ON XXXX AND I FILLED IT OUT STATING I WAS AND RETURNED THIS. THIS WAS XXXX, AGAIN, OF XXXX. I HAVE BEEN TRYING TO RE FINANCE MY HOME SO TO LOWER PAYMENTS AND TRY TO GET IT PAID OFF EARLIER AND NOT BE JUST MAKING IT EVERY MONTH. EVERY TIME I TRY TO RE FINANCE MY HOME THIS JUDGEMENT SHOWS UP WHICH AGAIN IS OVER 10 YEARS OLD. IT WAS TAKEN OUT AGAINST ME IN XXXX OR XXXX. THEY KEEP TRYING TO COLLECT ON IT AND THE CREDIT CARD WAS ORIGINALLY WITH XXXX XXXX XXXX  AS FAR AS I WAS AWARE AND I DO NOT KNOW HOW XXXX XXXX  GOT INTO THIS WHOLE THING BUT I ACTUALLY HAVE A CREDIT CARD FROM XXXX XXXX. HOW DO I GET THEM TO LEAVE ME ALONE REGARDING THE TIME LIMIT FOR EXPIRATION OF THIS CREDIT CARD ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: NY
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:
as I have notified you before, I am a victim of identity

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 2022-08-06
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient has been charging interest on my XXXX XXXX loans for the last 3 years even though I have been certified part-time student status since XXXX. I have been either certified XXXX student or XXXX student from XXXX and then again as of XXXX. Both loans were charge XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Navient deceptive practices and blatant disregard for federal programs laws is disgusting. This is proof that Navient has used their position as my student loan servicer to break federal laws for their own financial gain at the expense of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a formal request for an investigation of this account. There is a possibility that this information may be inaccurate.

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 2018-07-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX my daughter attempted to buy concert tickets. Without my permission, she made a payment via my chase account and XXXX for {$200.00} to a scammer XXXX XXXX XXXX who never sent her the tickets. When I found out what happened I contacted my bank and made a fraud claim, chase and XXXX refuse to help, they dont even care this is a scam and a legitimate issue this person has been doing for years. So much so you can see here : XXXX XXXX XXXX XXXX XXXX A website dedicated to years of people Being scammed by this person. 
This needs to stop and I need my {$200.00} back, please help. 

They did tell my daughter they used XXXX XXXX XXXX XXXX if that helps too, who I have also reached out to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}

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 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
After reporting fraud and suspicious activity since XX/XX/XXXX to boa at XXXX   XXXX XXXX XXXX XXXX va XXXX manager thru present on my accounts XXXX XXXX did a intense research into all my accounts after me making a complaint with the cfpb.I STILL DO NOT HAVE THE ORIGINAL XXXX bank of America  ACCOUNT SIGNATURE CARD WHEN OPENED XX/XX/XXXX as per XXXXAND I was also  promised by XXXXAn  ORIGINAL XXXX ACCOUNT SIGNATURE CARD OF XX/XX/XXXX.As per XXXX. I ordered a duplicate copy of my full complaint on bank of America to see if she had sent the promised crucial signature cards to the CFPB as she stated she did. I opened the cfpb package today XX/XX/XXXX after waiting all this time AND NEITHER ENCLOSURE IS IN BOA XXXX info sent to the CFPB as stated in her letter of XX/XX/XXXX to me and the Cfpb.I am requesting production of these documents be sent to me asap as promised by bank of America regulatory XXXX XXXX  .XXXX ncSend them certified so I have to sign for them XXXX XXXX  XXXX  XXXX nc XXXXXXXXAND FAX ME A COPY OF EACH OF THE ORIGINAL XXXX AND XXXX   SIGNATURE CARDS ON OPENING DATE OF THESE ACCOUNTS as promised since XXXX.My fax plus NUMBER IS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}

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 2020-11-19
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
I am unable to refinance because there is a freeze on my account with Equifax which I would like to lift. Unfortunately, I am unable to access my Equifax account to lift the freeze. The login and password I have used in the past does not work anymore and every time I request a new password, I get an error message stating " The information you provided does not match our records. '' I spent more than two hours on the phone today with customer service to try and get this fixed. Unfortunately, the gentleman I spoke with did not know how to fix this issue. I asked to speak with a supervisor and he said none were available. I said I would wait and he disconnected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: LA
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:
I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX XXXX XXXX XXXX REPORTED ON CONSUMER FINANCE.GOV THAT XXXX XXXX XXXX BORN XX/XX/XXXX MEVER RETURNED MONEY STOLLEN FROM MY BANK ACCOUNT AT CITIBANK IN XXXX XXXX CALIFORNIA THEY FORCED ME TO CLOSE MY BANK ACCOUNT WITH NO FUNDES RETURNED CITIBANK WITED XXXX XXXX XXXX FUNDS TO XXXX XXXX XXXX XXXX AS A TESULT PF THIS XXXX XXXX XXXX NEVER GOT HER XXXX XXXX DOLLARS RETURNED XXXX XXXX XXXX DIED IN THE RESULT OF FRAUDING MY CITIBANK IN XXXX XXXX CA XXXX OFF XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2020 I opened a new business account under the name : XXXX XXXX XXXX XXXX XXXX An XXXX Corporation I created. On XX/XX/2020 at XXXX I deposited a check made payable to XXXX XXXX XXXX XXXX for {$13000.00}. Check Number XXXX. On XX/XX/2020 I was issued a letter from Chase saying my account has been blocked and my funds have been frozen ever since. Please be aware the check for {$13000.00} were cashed and funds were available by XX/XX/2020 yet they have not been released to me or made accessible to me. I have contacted my personal banker, XXXX XXXX, Branch Manager XXXX XXXX, and the compliance office. The compliance office stated that because the address on the check made payable to XXXX XXXX XXXX does not match the address on file, of XXXX XXXX XXXX CA XXXX and instead has my address of XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. They can not release funds to me. I explained to them that the XXXX XXXX XXXX address is my work address and I even gave them a copy of my XXXX  XXXX employment contract showing that XXXX XXXX XXXX XXXX is my work address. It's been over 12 days since this happened and I have no choice but to file a complaint and escalate this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit card ( XXXX ) had unauthorized transactions via XXXX XX/XX/2017. Two charges of {$370.00} from someone who had shipped something using my card number. XXXX immediately sent a new credit card and voided the charges. I received invoices from XXXX  for a remaining balance of {$110.00} and {$370.00} and called them to inform them of the fraud. They voided the charges as well so now there is a balance of {$0.00} on their end. I called Transworld Systems Inc. ( Collections ) telling them what had happened. They are saying that I owe two balances of {$120.00} and also {$420.00}. They told me they are waiting on XXXX to give them the information, but case has been closed since everything was resolved in XXXX and there is a {$0.00} balance. I am concerned about my credit score since they are trying to collect money from me that I do not owe. I filed a police report and also obtained case numbers from fedex today. XXXX said they can not reopen the case due to the date and there not being a balance. This sounds like something that should be resolved between XXXX and their collections agency, but if neither party are in contact with each other, I'm assuming my credit will take the hit if no actions are taken. I currently do not have a way to scan all of the documents into the attachments, but I am happy to provide whatever is needed via fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Regarding AmEx accounts that they shut down against my wishes, they have been harrassing many people who are not my spouse, and even non-blood relatives. The most recent call was on XX/XX/19 at about XXXX. As I understand the debt collection laws and regulations, other outside parties may be contacted only once in an effort to secure contact information in a credit.debt dispute. Despite being told by these outside parties that cant provide such info, an AmEx rep at XXXX has repeatedly called alternate numbers for the same outside parties in succession. They must be stopped and punished for harrassing outside parties in a matter that is entirely between me and them.

Company response to consumer: Closed with explanation