BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Coerced me to bring credit card current and took a promise to pay and closed my card the day before my payment is posted

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 purchased concert tickets on XX/XX/XXXX with a shipping method of 3 days. The email I received from XXXX  said I would receive my tickets in 3 business days. My card was charged on XX/XX/XXXX according to my billing statement. When I didn't receive the tickets after 7 days I requested a refund on XX/XX/XXXX based on my rights under the FTC 's Mail Order Rule, which states " The Rule also requires that, when a seller can not ship within the promised time, the seller must obtain the buyers consent to a delay in shipping or refund payment for the unshipped merchandise. '' XXXX  refused to cancel the order. The moment they refused to cancel my order it became an unauthorized transaction. I received my tickets 11 days after the promised shipping date. I again requested a refund via XXXX. I then opened a dispute on my card card 14 days after the charge. Bank of America took 60 days to tell my their decision, which was that XXXX  provided prove the order was delivered. However, I believe this order should have been canceled under my rights as a consumer based on the FTC 's Mail Order Rule. I then called BoA once again and they refused to reverse the transaction. I've filed a XXXX  complaint agaisnt XXXX  and Bank of America. I've also filed a complaint with the Department of Consumer Protection for the state of Connecticut and an a FTC complaint.

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 2019-01-30
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe a Best Buy credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.

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 2019-02-18
Company: ID Analytics, Inc.
State: GA
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 am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and  I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two 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 explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
still reporting acct delinquent when it was brought current and is current XX/XX/XXXX is date acct was brought current and today they reported it delinquent again. As well as they show up as XXXX on XXXX  and XXXX XXXX on equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Cancelled an order from XXXX, the charge remained on my bill after a refund was issued. I contacted Capital One Credit to resolve the dispute. Capital One issued a temporary credit to my credit account. After they investigated the dispute, Capital One concluded the merchant credited my account. The problem is the charge is still on my credit card bill. Capital One will not take the charge off my bill even though the merchant issued the credit. Date of charge is XXXX XXXX, I went to the store management gave me paper work for order. Its the same order that I canceled and they issued a re fund for {$26.00}. Which corresponds with the charge remaining on my credit card bill, the same date and amount, but capital One wont correct the mistake, it is their error not the merchant. This is the second time Capital One pulled this trick.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a copy of a collections bill from Phoenix Financial Services and would like debt validation from them and XXXX XXXX I have been disputing the validity of this debt and it continues to not be validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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 applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2018-02-01
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The home at XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX was purchased with a loan though XXXX XXXX, ( no Doc. / Adjustable ), with the payments made to XXXX XXXX   XXXX. There was never a late payment for over 7 years. My family developed financial issues due to medical difficulties and I ended up defaulting. I advised XXXX representatives that I was interested in finding a solution. For many months I worked with their representatives providing many, many documents, bank records, Veterans info etc. Finally, following months of discussions I was told that the foreclosure was cancelled and that I would receive a new loan opportunity. That was on a Monday. the Tuesday, following that Monday 's discussion, I answered the doorbell to be met by a sheriff telling me that there had been a Trustee 's Sale that morning and that I had 48hrs. to  vacate. I contacted XXXX   and they stated that there had been a mistake and that they would get back to me. four days later I called the XXXX representative I had been speaking to and she advised me that there was nothing that could be done. I subsequently moved. The loss of the home caused a fracture of my marriage and a significant loss of potential equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good Day.

My name is XXXX XXXX XXXX Late last year my loan with Loancare ( # XXXX  ) was overcharged for taxes but I was able to contact my county auditor 's office to have the payment sent back to loancare. Around XX/XX/XXXX I received an email from loancare that an escrow review had been done and my mortgage was going to go from {$550.00} to {$820.00} because they had to pay out extra for taxes. I called loancare on XX/XX/XXXXand was informed that all I had to do was to go to the auditors office and get the paperwork stating that I had a XXXX balance for my taxes and once they received it they would send a message to have a subsequent analysis done. I got the paperwork submitted to them on theXX/XX/XXXX and called back to make sure they received it, they did receive it and told me to call back in 5 days and it would be corrected.

After 7 days I called back and it still hadn't been corrected and was told to give them another 5 days, which I didn't agree with but there wasn't anything I could do so I agreed. I then called back on the XX/XX/XXXX because it still wasn't done and my mortgage is due on the XXXX of each month. I was told it still wasn't complete and I had to wait, I didn't accept it this time and asked to speak to a supervisor. I was able to speak to a XXXX XXXX  ( XXXX   ) XXXX who informed me that she was going to personally send an email to the escrow department and not to pay my mortgage and she would make sure that it would be complete by the XX/XX/XXXXand as such she take any late charges that occur off. She also told me that it would be finished by the XXXX. I called back on the XXXX to her direct number and left a message, I didn't get a response. I have been calling everyday since then and still haven't received a response.

I just called again this morning, XX/XX/XXXX and now I am being told that they are waiting to update a tax line. I keep getting the run around and I am so frustrated. They also have a direct number, which is ( XXXX   ) XXXX and my loan # is XXXX, again, my name is 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 2019-08-24
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ACCOUNT RESOLUTION CORP which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is  perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
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 have submitted a FTC and Police report to the credit reporting agencies, who then forwarded the information over to Genesis Credit Management. Genesis Credit Management has been reporting WRONGFULLY and INACCURATLEY for 1 year. Genesis Credit continues to remove the account from my credit report and then place it back on with an even high balance. I have NO knowledge of this account and have NEVER lived in the state of Colorado. Genesis had REFUSED to acknowledge the information that has already been provided to them. Genesis continues to harass me asking for signature samples which is NOT mandatory when they have received a FTC Identity Theft Report AND a police report and Genesis has CONTINUED to harass me and cause me to be wrongfully denied for credit violating my rights as a consumer. I will be in contact with attorney to pursue genesis in the court of law if this isnt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I was supposed to write personal check for my city of XXXX property taxes for {$6700.00}. 
I use online banking and no longer have an ordinary check book with exception of bank provided numbered check that was provided for me at the initiation of my account. 
I called Wells Fargo ( my Banking Institution and gave them the check number, XXXX, and told them that I was getting ready to write this check and would it be OK? customer service agent assured me that everything looked ok. I wrote the check and along with two bills ( for each 6 months ) to the city of XXXX Department of Finance. 

On XX/XX/XXXX I received a " Notice of Secured Payment Returned Unpaid '' Wells Fargo denied payment and as result I was forced to pay additional fine of {$330.00} plus {$53.00} fine for a bounced check. 

I had enough money in the bank, and the bank should have honored my check. 

In conversation with bank managers, first they claimed that city deposited the check in excess of two months period which is the banks grace period for their cashing a check. in another words they say if the check is submitted for payment later that two months of the date on the date that was written, then it would be declined. 
In contacting the city I was told that the check was posted on XX/XX/XXXX. Ten days to be exact, but not two months after the check was written. Then they changed their story and told me that it was denied payment because the accounts were not linked therefore they where unable to pay. This statement contradicts directly with what I was assured on the phone prior to writing the check and I thinks it is banks responsibility to cover the extra penalties I incurred. Banking institution ought to be a trusted source for their customers in relation to their finances, but not to create heart aches. 

I appreciate your assistance in resolving this matter.

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 2021-04-23
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a debt that happened 6 years ago. I was involved in a motor vehicle accident. I sent a check in to the hospital and they claimed that I paid the wrong bill. I sent a letter to the credit Bureau disputing it but got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions 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:
id theft victim these accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my 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 2020-10-10
Company: EQUIFAX, 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:
id theft victim these accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TMX Finance LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am getting almost daily calls from XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, VA XXXX. Phone ( XXXX ) XXXX. 

They continue to call me and leave messages on my voicemail telling me I need to call them about a loan ; however, I have called them several times to explain my phone # is only a few months old and I do not now, nor have I ever, had a loan with them. I have asked them to take my phone number off their system but they refuse, and the calls continue. I now have them blocked, so that my phone won't ring when they call -- usually during the day when I am at work -- however, the voicemails still appear on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 XXXX XXXX Man from HSBC named XXXX XXXX claimed I had and account with HSBC and was threatening litigation for breach of contract, fraud, falsifying legal documents if I did not pay the amount in full. The man had my personal information and SSN. He would not give any information about the account stating that I know I used the credit card and I better pay it. He stated that they had income tax information and employer verification to prove I opened the account. 
He began to get rude and nasty and threaten to sue and to make me pay. 
Because he would not give any validating information as to what state and account information, I feel this person was lying. 
The phone number given is XXXX. They claim to be a litigation group collecting on behalf of HSBC. 

I have had multiple entities contacting me trying to get me to pay some erroneous debt. I have had several identity theft situations which makes me believe this could be part of it or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to login to Experian on XX/XX/2020 and an error code was generated incorrect PIN, I know my PIN to be correct. after several attempts it then locked me out of the system. I went back and accessed the retrieve PIN page and verified my pin to be correct, as I knew it was. at this point I am unable to unfreeze my credit and I need it done today. I am under the impression it was required to completed in 1 hour? I can attest that XXXX also made it very difficult as I had to contact them by phone to complete the process. I believe these companies are intentionally making this difficult so we do not freeze our files which allows them to then profit from our files. Experian has no phone hours on the weekend so I am out of luck. This behavior should be illegal

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 2019-01-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, I have two accounts with chase and both were charged overdraft fees when the other had money in the account. Also, I want overdraft protection of some kind!

I would like the insuffient fund fees refunded. Additionally, the charges that caused the overdraft were unauthorized and I have contacted the merchants, so those charges have been refunded.

Account ending in XXXX XX/XX/19 : 2 charges of overdraft Account ending in XXXX XX/XX/2019 : 3 charges of overdraft Total fees : {$170.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-30
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Today, XX/XX/XXXX, SpeedyCash withdrew {$1800.00} without permission. It was the full balance of a payday loan that I did owe. The issue I feel is very wrong is they did not attempt to take a payment in the last 8 months. They can confirm that my account went to a 3rd party collection on XX/XX/XXXX. They can confirm that the last time they attempted to withdraw funds was XX/XX/XXXX. As I have contacted collection agencies to begin payoffs on accounts. I do not agree nor understand how they go around their 3rd party collection agency, XXXX, how they leave my account alone for 8 months, and suddenly decide to take the full balance themselves.

Company response to consumer: Closed with explanation