BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-28
Company: Nelson Cruz & Associates LLC
State: NC
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:
I sent a letter to Nelson Cruz and associates requesting validation of alleged debt via certified mail USPS. On XXXX XXXX, 2020. First Request. Tracking number XXXX. Letter was received via USPS receipt XXXX XXXX, 2020. I received no response back from the company. Second letter request for validation of alleged debt sent USPS certified mail on XXXX XXXX, 2020. Letter received XX/XX/2020 via USPS receipt. Tracking number XXXX. I received no response back from the company for my request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase reported to the IRS in XXXX that I had received a refund for a house that I sold to my ex husband in XXXX. The IRS in return sent me a bill on XXXX XXXX in regards to the matter. I went to the Chase branch to inquire about this bill that Chase reported to the IRS and was told I needed to contact the mortgage department at Chase. I called the mortgage department at Chase and explained to them I never received the monies they reported to the IRS. I then requested a copy of the cashed check, they emailed me the front of the check with both of our names that was sent to my ex husband address on XXXX XXXX and was advised I had to wait 7 business days to receive the copy of the endorsed check. After 7days they provided the endorsed check that was sent on XXXX XXXX without my name just his. I then had to take a day off from work to call the IRS to inquire what I needed to do to have this corrected. I explained to the IRS what happened with Chase because during all my conversations with Chase I was telling Chase what needed to be done to correct this issue. Chase should of told me what needed to be done to have this corrected about this error they created! Chase wanted me to just tell the IRS about the error instead of them knowing what needed to be done to get this corrected with the IRS. I had to request a copy of my corrected XXXX to be able to have this corrected properly with the IRS and even then they were going to send a copy of the corrected XXXX to my ex-husband home address. I am infuriated that I had to take the day off from work to correct an error that Chase made with the IRS creating an unnecessary bill and furthermore causing me emotional stress in having to deal with my ex husband in regards to this matter! The representative I spoke to is XXXX XXXX most of the time about this case, the multiple conversations were recorded for reference. To-date I have to wait 7-10 business days to receive my corrected XXXX to send to the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent an email and letter to Capital One : " Earlier this year, I made a settlement payment to pay a total of {$1700.00}. I paid that off in XX/XX/XXXX. I sent a letter months later asking to have the account removed from my credit report but was denied. 

I would like for you to understand that I have been going through a very hard time dealing with XXXX, XXXX XXXX, and family death, however, I managed to pay the settlement in full. 

I'm planning on buying my first home and since the account hasn't been removed, that has stopped all proceeds with my lender until this old, closed account is removed. I know it's scheduled to be removed in XX/XX/XXXX, but I would like to know if it can be removed now since it is paid. Please consider removing the account as it is negatively affecting my current chances of purchasing a home. '' I recvd a call from Capital One and they still refused to remove since it was paid. They tried to tell me that they don't remove accounts until the 7 years are up, however, I have testimonials that they do remove especially if the account was paid. They didn't give me any other reason as to why it couldn't be removed. I have sent numerous letters since I paid the account in full and they resend letters without description of why and no verification as to why it should stay on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use my XXXX platinum card issued by Synchrony Bank this afternoon at XXXX. Declined. I logged into my account online and it was closed. I contacted Synchrony and they told me a letter was on the way because a credit service had notified them of a change in my status that made me a higher risk. No more info. 

This account had never been over limit, always paid on time. This was embarrassing to be declined at the merchant without knowledge of the card being closed. I've had issues with Synchrony before and have always followed the rules regarding their cards.

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 2018-02-07
Company: G. Reynolds Sims & Associates, P. C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now XXXX XXXX. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX,  through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting another person on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below arent mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am due a refund of {$450.00} that they said it was mailed to my correct address on XXXX XXXX 2021 and it will take 10 business days to arrive. It has been over 11 days now and still no check. They wont let me talk to accounting directly and I have spoke to XXXX and XXXX from the Resolution Dept. I explained to them i paid with my ACH Account ending in XXXX and they had no problem taking Payments out even before receiving goods. They said they will send another check and it will take another 10 days. I insisted in over night XXXX XXXX and they refused. Very poor service and money transactions. They use I will email the other department and wait for there response and get back to you. Not Acceptable!!! I should be paid interest on refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on or about XX/XX/XXXX or XX/XX/XXXX i was saposed to have went to the hospital an had a XXXX copay which with me being XXXX an XXXX level living i dont pay copays ..this is an attempt to steal from me in an unethical way ..i tried to explain this to the women who then said quote we will see what it does to youre credit.then she hung up..

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 2020-01-23
Company: TD BANK US HOLDING COMPANY
State: NV
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: NC
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:
I have tried numerous times to get a free annual credit report from Equifax and XXXX, the prompts are telling me that my info can not be found in their database when I just unfroze my credit with Equifax with no probs the last couple years untold XXXX XXXX. The last time this issue came up is when someone was using my personal info to obtain credit and I became a victim of identity theft in XXXX and my credit was wiped clean my credit score fell from the upper 700s to 300s in no time, I again found bogus accounts on my credit reports ( XXXX ) ( XXXX ) That I had XXXX dispute for me and took off in XXXX, Im just now getting my credit back and now I suspect its happening again I had a initial fraud And credit froze at all 3 bureaus and now they re telling me my info isnt in database and I have to mail proof of my identity to XXXX and Equifax, I haa as d no prob with XXXX. I Am allowed my free 3 annual credit reports and I cant get to my info and it was fine last XX/XX/XXXX. I got a loan to get my car. Now Im having issues to unfreeze my credit at Equifax on Monday XXXX XXXX for a much needed loan. I am so fed up with this, you all had just got XXXX   to unlock my info so I could get to it, I couldnt get to it for 6 years until you all got in touch with them last year. Now its starting again. I want this XXXX XXXX resolved please and for them to stop letting other people view my credit I take it, I am a victim of I am a victim of identity theft and have the documents to back this up since XXXX. My ssn # was compromised and used to file numerous tax form 1040 and the IRS caughgg Th it because I dont have a tax filing status and I am having trouble with my local Social Security Administration in XXXX NC, they will not issue me a new number, my ssn # is out there and the person or persons keep doing this when they get angry at me for whatever, a detective told me it is a revenge act that was done to me we have our suspects but not been able to prove it, my ex husbands family we suspect, but I know my current ssn # will always be tagged to me but at least maybe they wont steal the new number if I was issued a new one. The only way I know this matter will be solved permanently, thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: DISCOVER BANK
State: NY
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:
After contacting the bank customer service, it is said there're unusual activities to my credit card. During XXXX, my account was paying another card ( which is not my account ) XXXX transactions of {$14000.00}, {$600.00}, {$1700.00}. It was frozen yesterday ( XX/XX/18 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: U.S. BANCORP
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit balance on my account that I was advised was on the account for the amount listed below. When I spoke to a representative they advised that they will not send a check back to me and due to them closing my account and removing the ability for me to have access to my money they are retaining the money. 

I have requested and requested the money as I have the proof that this happen and Elan Financial/Fidelity has not been willing to comply with issuance of a check and provide a  refund. 

The company will not assist and is delaying this. Elan financial has done this before and took over 30 days to get money back to me. 


XXXX Amount {$1100.00} {$1000.00} {$210.00} {$290.00} {$78.00} {$12.00} Total Amount {$2700.00}

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 2021-01-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This balance from XX/XX/XXXX is not owed and removed from my credit report before under other collection agencies. This new collection agency has falsely reported this as a new debt opened in XX/XX/XXXX. This is false in an attempt to reengage and make a profit on a debt that was from XX/XX/XXXX and no balance owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company on several times, requesting them to validate accounts that they are saying are mines. However, the company has sent me duplicates of billing statements in an event to validate the accounts. This is not proof that the debts are indeed mines. In order to resolve these accounts, I need the company to verify these accounts by providing a signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know nothing about this collection, I called them to get more info they didnt provide me with nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: GOLDMAN SACHS BANK USA
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I noticed an unauthorized charge to my Apple Card issued by Goldman Sachs Bank. I immediately contacted Goldman Sachs through their chat feature. While I was in chat, two more charges were attempted on my Apple Card to XXXX XXXX XXXX XXXX. 

The rep told me not to worry. They would credit my account. 


On XX/XX/XXXX, I received notice from Goldman Sachs that they have resolved the dispute in the merchant 's favor. I called Goldman Sachs, XXXX reviewed the ship-to address for the {$240.00} XXXX XXXX XXXX XXXX order. XXXX confirmed that it did not ship to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX, XXXX, EXPERIAN RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction. 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit.

I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, 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 2020-01-23
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I belong to the XXXX, referred to attorney XXXX XXXX to represent me on a neighbours ' ongoing harassment, including their lawsuit for XXXX on false basis after received a cease/desist letter by XXXX on my behalf. XX/XX/XXXX XXXX XXXX said : " Your response is sufficient to have the complaint dismissed, but I'd like to appear on your behalf to make a request for your costs and attorney 's fees, and after that I'll file a separate motion for the ongoing harassment, and you need to open a REFUNDABLE trust account in the amount of {$7500.00}. to be kept in that balance to the conclusion of your case. You'll be billed in the amnt of $ XXXX for all services monthly and separately. '' XXXX defected, showed up late, did not do what he promised and I insisted that he put me on the stand to support my case and refute additional false allegations, judge took judicial notice on my responses and supporting evidences and ruled in my favor dismissed the XXXX against me. XXXX disappeared with my {$7500.00}. On XX/XX/XXXX last email directed him to refund the credit card, he did not, and I filed a dispute with the citibank. 
The citibank discriminated and failed to follow the correct procedures and refused to apply the conditional credit as they're trying to collect this charge while investigating!

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 2020-07-15
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XX/XX/20 it has been brought to my attention that my investment account with XXXX was unable to be linked with my bank acct at PNC due to changes PNC has made. This impedes my ability to save and invest money accordingly.

Company response to consumer: Closed with explanation