BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first received a medical bill from PHOENIX FINANCIAL SERVICES LLC, on XX/XX/XXXX in the amount of {$1400.00} for services on XX/XX/XXXX. I then contacted them through certified mail on XX/XX/XXXX and asked for validation of this medical bill they claim that I owe. They received the mail on XX/XX/XXXX. They then contacted me through mail with a " verification '' with a different amount of {$490.00} and also with a different date of XXXX services on XX/XX/XXXX. They also listed diagnosis codes, procedure/service cpt codes, physician 's name and charges. Those alone with my codes are violating my HIPPA rights. I am sending out a certified letter tomorrow on XX/XX/XXXX demanding that they cease all activity in collecting the debt. They are in violation and I will contact a lawyer if they continue to pursue and collect a debt they claim that I owe while violating my HIPPA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

These accounts below have the wrong balance. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with rewards from credit card

Complaint:
I had two credit cards with Bank Of America. One was a cashback reward card and the other was a point reward card. I had the cards for a number of years and paid them on time. A few months ago Bank Of America arbitrarily decided to close both accounts. I tried using the rewards that had accumulated but it wasn't working. I called Bank Of America and was told that I had forfeited the points because my account was closed even though I wasn't the one that closed the 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 2021-10-23
Company: EQUIFAX, INC.
State: NY
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:
Reporting agency continues to report a middle initial ( i.e., XXXX XXXX XXXX  ) which, in my lifetime, have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Conduent Incorporated
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For the last 3 days XXXX XXXX XXXX of XXXX I cant access my funds that I have in my account .go program cant tell me why and keep saying wait 24 hours. I cant pay bills or make a transaction ..when I call they are rude and hangs up without fixing the issuse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When I applied for a CC I was prompted that I will be contacted soon. I know I have a Fraud alert on my account, The process is the same I call in and Verify my identity. when I called in I was transferred to Application Fraud Department and XXXX was unhelpful Belligerent and rude to me. When I offered to verify my identity he stated he declined my application. He did not allow me the opportunity to verify and I asked for a supervisor in which XXXX responded rudely " They will tell you same thing '' and tried hanging up on me until I repeated several times to get a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CITIBANK, N.A.
State: IL
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/23 I paid an deposit of {$460.00} for a hold on an apartment. The apartment did not pass initial insp and i was unable to move in. The rental company had a problem issuing my refund back to my credit card and told me to go through the credit card company and they keep closing my dispute inquiry

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 2022-03-10
Company: Torriere Holdings INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/22 phone call made to spire recovery solutions XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Spoke with a representative to try and make a suitable payment plan. Representative stated I must set up a automatic withdrawal of {$110.00} every XXXX weeks today or they would send in my report to collections. I explained to her I could not make that amount every XXXX weeks, I tried to set up a lower payment plan. She was rude and stated I would be turned into collections. Since my husband and I have had XXXX in XXXX we have been very sick and he has been unable to work, I was not able to explain this as she would not let me, I needed a better payment plan until we could get back on our feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2017-12-27
Company: JPMORGAN CHASE & CO.
State: IL
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:
Following are the sequence of events. 


XX/XX/XXXX : A payment in the amount of {$220.00} was made to XXXX XXXX insurance from my credit card ending in XXXX. 
XX/XX/XXXX : I called to put a hold on that payment in the amount of {$220.00} to XXXX XXXX XXXX because I thought it was fraudulent. 
XX/XX/XXXX : After realizing it was not fraudulent I called Chase credit services to cancel the hold and resubmit the payment. 
XX/XX/XXXX : My credit card was charged in the amount of {$220.00} for resubmission. 
XX/XX/XXXX : up to this date XXXX XXXX has not received any payment in the amount of {$220.00}. 


Fact remains that a payment of {$220.00} was made from my credit card which XXXX XXXX insurance claims they never received at their end. Both parties are at the denial stage. No one accepting any thing. payment has been deducted from my account but never received by state farm insurance. Chase credit card is not giving back me the amount. I have all the proof and correspondence with both companies. 


Please look into this matter and help me resolve it. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX, I sent XXXX Bitcoins from my XXXX wallet to my XXXX wallet, with the intention of exchanging it for XXXX. The transaction showed as pending on my XXXX wallet more than a week. On their website, it was mentioned that even with high traffic o the network, the transaction should n't take more than XXXX hour. What 's worse, after awhile, the whole transaction disappeared from my XXXX wallet! It 's as if it had never happened! However, after checking the transaction hash with XXXX XXXX, it showed that the transaction had went through. 
I contacted support while my transaction was pending on XXXX XXXX XXXX. After not having gotten any replies from them, I tried several other avenues such as XXXX forum, emailing a direct person, opening support tickets on their website, all to no avail. 
More than a month later, I got a reply from support, from a person named XXXX XXXX After a few messages, XXXX conceded that he needed to work with a 'specialist ' to resolve my issue. That was XXXX XXXX XXXX. I have since contacted XXXX but there has been no response. 
I have researched their company online after this incident and it appears that I am not the only one. It appears to me as if they have taken that money for their own. A cryptocurrency exchange should n't take so long and they should return the money back to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX. I have also attached a letter from XXXX XXXX, one of the accounts that fraudulently stole funds from my account stating this account is fraudulent. They have closed the account and removed it from my credit reports. So why did PNC Bank deny my claim? Why are they not returning my stolen funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage servicer, NewRez, responded to a CFPB complaint that I filed on XX/XX/XXXX ( Complaint IDr-XXXX ). 

In NewRez 's XX/XX/XXXX response to my XX/XX/XXXX they did not provide full or adequate information as to why my mortgage statement for payment due on XX/XX/XXXX showed a payment due amount of {$0.00}.

NewRez needs to respond to 1,2, 3,4,5,6, and 7 below. 

In NewRez 's XX/XX/XXXX response to my XX/XX/XXXX CFPC complaint they, state ..... 

On XX/XX/XXXX, a refund was issued to the trustee in the amount of {$1600.00}. However, in a deep review of the homeowners payment history one of these payments were mistakenly counted in our bankruptcy payment ledger.

1. What was exact dollar amount that was allegedly counted in the bankruptcy payment ledge?

NewRez states in their XX/XX/XXXX response to my XX/XX/XXXX CFPB Complaint It has been determined that this inadvertent error is the cause of the billing discrepancies which has caused the homeowner to continually receive billing statements reflecting the wrong amount due. This error has been corrected and as a courtesy Newrez has advanced the funds needed to correct this error. This correction has made the next contractual payment due the XX/XX/XXXX installment of {$940.00}. Enclosed for your clients reference is a copy of the XX/XX/XXXX billing statement 2. What is the exact dollar amount of the funds that were allegedly advanced?

3. How were the alleged advanced funds applied to my mortgage account?

4. Why was there no documentation provided showing how the alleged advanced funds were applied? NewRez needs to supply the documentation showing the exact dollar amount of the alleged funds and exactly how the alleged funds were applied to the account.

NewRez attached a XX/XX/XXXX, statement- 5. Why does the statement continue to show that I owe a {$0.00} dollar payment?

6. Why has NewRez not provided any documentation showing the alleged advancement of funds to our account?

7. NewRez needs to supply documentation showing the exact dollar amount of the alleged advancement of funds

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( EXPERIAN, XXXX, XXXX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The

credit bureaus have to inquire why my letters are unaddressed within 30 days. CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days. CFPB has to require that the credit bureaus remove the negative items from 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 non-monetary relief
Consumer complaint received 2019-08-06
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Balance : {$1100.00} On XX/XX/2019 I notified Afni in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Afni refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Afni under the Dodd-Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TCF NATIONAL BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This appears to be systematic problem that would affect anyone paying off there loan, when they have a different mailing address on file, because XXXX is only mailing refunds to the property address not that of the mailing address on file. 

I had sold my house and the closing was on XXXX/XXXX/XXXX. The title company then sent the payoff funds on both my XXXX and XXXX mortgage to XXXX. XXXX was overpaid and a refund was due to me on both loans ; however, when I contacted XXXX they told me the XXXX mortgage refund was sent to the property address because I need to send a change of address. I had advised the XXXX that XXXX has my correct mailing address for many years now, because this was a rental property and a " change of address '' to XXXX was not needed. I was already getting mortgage statements, etc. from XXXX at the correct address. Then after the run around, I finally got XXXX to cancel the XXXX refund checks sent to the property address and reissue them. However, they then again sent the refunds to the property address! Again after the run around, XXXX advised they would not issue XXXX more stop pays and they wanted to wait to see if the refunds are returned to them or forwarded to me. I told them my forwarding address expired many years ago, they had my correct mailing address for many years and obviously the new owner did n't return the first checks, the XXXX set probably is n't going to be returned as well. 

I had told XXXX I was going to file a complaint, if my refund was not sent to me at the correct address and was told there was nothing they could do. Obviously this is well past the 20 days allowed to issue the refund. XXXX then continued to hold my funds at their benefit and continued to rely on their internal system, which did n't make any sense. Instead they kept telling me I needed to send them writing notice of my mailing address, but I then again reminded them it is correct in their system and has been for many years! This was a rental for 12 years, so my mailing address has not been that of the property for some time. ( It appears they only look for a newly filed change of address to send the refunds to the mailing address rather then the property address. ) This process/system needs to be investigated! 

I finally got XXXX refunds dated XXXX/XXXX/XXXX and received them in the mail shortly thereafter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Square Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX money was transferred to XXXX XXXX XXXX $ XXXX 3 transactions : {$190.00}, {$200.00}, {$330.00}. Total lost was {$720.00}. I contacted Cashapp on XXXX, they opened an investigation. On XXXX, through the cashapp they said the refund was declined : we're truly sorry, but we're unable to recover your money but your report will help us prevent future scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: MD
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 have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Recently received a notice for garnishment on a judgement I was unaware of for XXXX XXXX XXXX XXXX XXXX. This garnishment notice is dated XX/XX/XXXX and proceeded on XX/XX/XXXX. 

After recieving the notice in XX/XX/XXXX for a judgement I was unaware of I contacted the Attorney whom filed and asked for more information. I have always been under the impression this loan was taken care of when I did a debt consolidation in XX/XX/XXXX in which was completed by XX/XX/XXXX with XXXX XXXX, Dept of Education. The attorney proceeded to tell me that the lender was XXXX XXXX XXXX, XXXX. After researching this further I have found that XXXX XXXX XXXX  has been purchased by XXXX XXXX XXXX and now branded as XXXX XXXX. I spoke with a multiple departments and a supervisor and no one was able to locate any file using my social security number. I asked for this in writing and was denied. I then researched further while XXXX  investigated further and found that CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits. In the Case XXXX Document 3-1 Filed XX/XX/XXXX I found that XXXX XXXX XXXX XXXX XXXX XXXX filed for a garnishment against me this same day. When speaking with the attorney they are refusing to give me any further information in reagards to this loan. In XX/XX/XXXX I filed Chapter XXXX BK after the sudden death of my husband and found XXXX XXXX as a creditor and I contacted them for more information and they stated they can not discuss my account and they would mail me documentation that could take several weeks. In further research I found A copy of the consent order entered against XXXX XXXX , XXXX XXXX Document 1 Filed XX/XX/XXXX. 

I have not received any documentation from XXXX or Transworld , Inc. and I am asking if this case that has been filed in my behalf would apply to me and my current situation. I have requested documentation and clarification of this judgement against me from multiple companies and several calls to the attorney that has filed against me ; I have not been able to receive a straight forward answer. When dealing with the attorney she has been rude and unhelpful in this matter and simply states I owe this and I am going to pay it. I am very concerned about this judgement due to the recent judgement placed against these companies. I appreciate any help I can receive at this time. In the past several years I have done everything I thought to make sure I am taking care of my obligations as a reasonable adult and single parent. I greatly appreciate your time and consideration.

Company response to consumer: Closed with explanation