BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, a credit report was run using my name and old address I left in XXXX to move to my current address. A cell phone was purchased at XXXX for approximately {$980.00}. The bill was not paid and since my old address was used, I did not receive any notices of delinquency. Started to receive debt collection calls from various collectors. I ran my credit report and noted the negative item of the unpaid XXXX bill. I disputed the bill with the Bureau 's and XXXX itself and after an investigation, XXXX determined I was not responsible for the charges on the account and sent me a letter from their Fraud department to that effect. XXXX said they had notified the Credit Bureau 's to remove the item but after 6 months the item was still there. I contacted XXXX again and asked that they again notify the Credit Bureau 's to remove the item. 6 months later, the item was still on all three Credit Bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My account was bought or transferred from XXXX  to XXXX XXXX XXXX XXXX in XXXX  after a telephone Consented Judgement was agreed upon and in motion between myself and XXXX. On XX/XX/, I spoke to the assigned attorney XXXX XXXX at XXXX XXXX, who was almost impossible to reach. I advised him that there were added charges and fees that they included to my signed judgement with XXXX. I was not responsible for the cost of any additional fees between XXXX and XXXX. The Judgement was very clear and detailed about my arrangement. XXXX XXXX reviewed the Judgement, in which I re-sent him a copy and said that he didnt know where the added charges came from. He advised he would correct and get back to me. He never responded. I am a new business owner and attempting to get loans. As a result of this situation in which I attempted to resolve with the original attorneys office XXXX, I was in full compliance and making regular payments according to the judgment set forth. I attempted over months several times to call the new Attorneys office XXXX XXXX and their phone was disconnected. Until finally I got a live person on the phone that connected me to speak to XXXX XXXX and I followed up with an email. ( please see email and attachments ). 

I am a new business owner and I have been getting denied business loans because of this incorrect information is on my credit. A judgement was NEVER supposed to be on my credit reports as long as I complied with the payment arrangement. I complied with the payment arrangement with XXXX. XXXX bought the loan and dismissed arrangments of the judgement that was in place and made themselves unavailable for resolution for me to comply. 

A correction of the fees. There was a signed judgement order already in place. This creditor bought the debt and tried to add additional fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to Lakeview Loan Service and inquired about removing my escrow because my home is worth XXXX and I owe XXXX ( I owe less than 80 % ). I was instructed on what to do, which I did. I payed my yearly insurance which was {$1700.00} dollars and I sent Lakeview the receipt. Lakeview turns around a payes the insurance company {$2800.00} dollars and now ( XXXX XXXX XXXX XXXX XXXX wants to return {$2800.00} dollars to me. I have called Lakeview almost every day and I get no help, they instruct me to mail my request and no one reaches out to me. I also emailed Lakeview my tax receipt for the taxes that I payed a few days ago, but again I get no answer back and when I call, I get the same result- Im told to mail in the information. I dont want Lakeview paying the taxes again like they did with the insurance, please help me.

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 2019-11-07
Company: V and H Portfolio
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Vance & Huffman , LLC ( XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called XXXX , XXXX. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from Vance & Huffman. V & H has reported to the credit agencies, and now I have to fix this. Vance & Huffman claim that they sent over the " loan documents '' via email. These documents were never recieved. Vance & Huffman claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by XXXX , XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: HUNTINGTON NATIONAL BANK, THE
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a HELOC through TCF Bank, which was sold to The Huntington National Bank. I received a notice of transfer from The Huntington Bank on XX/XX/2021. The letter was signed by XXXX XXXX, XXXX, Consumer Loan Servicing Director. The letter advised me my HELOC had been transferred to Huntington. The letter constituted a Mortgage Transfer Notice, and said, and this is a direct quote, " This Notice does not affect the terms or payment of your mortgage loan. '' On XXXX XXXX, 2021, I received a letter from TCF Bank, and the terms of repayment of my loan had been changed. Also, The Huntington has begun a bullying campaign in an effort to make me apply for a Personal Line of Credit to replace my HELOC. I have had two conversations with The Huntington personnel, and have stated repeatedly on a recorded line, that I do not want a PLC, I want to retain my HELOC, as I am allowed by law. I have tried to set up an online account to pay my HELOC payments on line, but am unable to get any help, as The Huntington insists I have a PLC now, and " for their purposes, a PLC and a HELOC are the same. '' This is absolutely false. A PLC and a HELOC are two different animals. The letter from The Huntington lists the following contact information : The Huntington National Bank, Attn : Customer Service XXXX, XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX. I have never agreed to or filled out an application for a PLC with this Bank. Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: MA
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 have someone else name on my credit report from Experian. I have reached out to them via Mail with documentation and received back that I have changed my name and they will do nothing about it. I have not changed my name and that this person is on my credit report and has the same last 4 numbers of social security as mine. This is clearly Identity theft

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 2023-01-25
Company: Experian Information Solutions Inc.
State: NV
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:
a. invalidated debt, debt has been invalidated b. contract has been cancelled XXXX the length the collection has been on the credit report has been exceeded XXXX and Experian have added a collections account from XXXX XXXX XXXX to my consumer reports. This account does not belong to me and is causing adverse action while also defaming my character. Once again the consumer reporting agencies did not do their due diligence in exercising their grave responsibility in verifying anything before placing it on my reports. They were partial and unfair. They assumed a role which no one gave them permission. 
see attachment

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 2022-12-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a paper statement from Best Buy, XXXX for a credit card that I never applied for. The amount is for {$2900.00} on XX/XX/2022. I already called XXXX and notified them, called Citibank, closed the account, and filed a police report.

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 2019-11-07
Company: Collection Bureau of America Ltd.
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:
On XX/XX/2019 I submitted a dispute to XXXX. ( for an error an account that I did not open. ) The collection agency ( C.B.A collection bureau of ameica ) denied my honest dispute. Saying i was the correct person that opend the account. which is false due to the fact I was XXXX  in the california state XXXX  system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have submitted all my personal information to Venmo and emailed them numerous times. They finally have contacted me back today and stated they still could not give proper reasoning to why my account is closed. I want full details or my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Hi my name is XXXX XXXX I submitted a complaint to you to you to notify you that I have been a victim of identity theft THESE INQUIRES NEED TO BE REMOVED. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: EdFinancial Services
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Earlier this year, my loan servicer EdFinancial switched to a new online platform. I have received several e-mails informing me that my account and loans had been transferred to the new platform, and inviting me to register. However, I have been unable to do so. For unknown reasons, when I have attempted to register and login to my new account, I consistently get an error message.

I have contacted customer support multiple times and worked with different agents, who have been unable to explain or rectify the problem. One even passed me on to their XXXX, who was also unable to help and could not suggest how to resolve the issue. 

This means that my only method of paying my student loan ( as I live outside the country ) is to pay via 'online chat ' with a live agent, which is time consuming as each agent insists on trying to fix the above problem prior to accepting the payment, despite me explaining nothing has worked thus far. There are also times, like the last week, where online live chat has been unavailable and I have not been able to make an online payment. 

Of course I am concerned about not being able to make timely payments because of issues which appear to be on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An attempt was made to open an account at Bank of America in XXXX of 2016. They filed a report regarding the account. It was a fraudulent attempt to open the account. They verified this to me via a letter with a claim number: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 2019-05-03
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with XXXX XXXX XXXX , XXXX. regarding a debt I do not owe to XXXX XXXX Apartments in the amount of {$74.00}. 

I have repeatedly asked Equifax Credit Information and XXXX XXXX XXXX , XXXX to provide me with proof of my signature that I have legally binding contractual obligations to pay XXXX XXXX XXXX , XXXX {$74.00}. 

Equifax received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. 

The same information was presented to XXXX and XXXX  for investigation. It obvious Equifax have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt with XXXX XXXX was created in or around XX/XX/XXXX ( 14  years ago ) by an ex-boyfriend who had stole my personal information and opened several utility accounts in XXXX, Texas as well as in XXXX, Texas and their may be others that I am unaware of. Since finding out about the account years later when it went into collections ( as I never received original bills, because they were for an address that I did not live at ) and the collection company ( Portfolio Recovery ) hunted me down. I tried to take the steps necessary through their company to report it as fraud, but they relentlessly attempted to collect the debt, calling multiple times a day and even late into the evening. At one point I disconnected my phone because of their level of harassment. They started their attempt to collect the debt in XX/XX/XXXX ( approximately 6 years after the debt was created by XXXX XXXX ), and they have continued to send letters, and make phone calls to this date. I have now been contacted relentlessly for 9 years, even after filing the paperwork through their company to claim this as a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I opened a card in XX/XX/2023 AFTER I was assured there was no Hard inquiry. I followed up a with a number of calls ... that HD mentioned were recorded for quality purposes to make sure there was no Hard Inquiry now after 7 months I see a Hard Inquiry on my credit score showing, and Home Depot they are saying it is correct and they can not remove it

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 2018-09-10
Company: EQUIFAX, INC.
State: MS
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:
was a victim of inquiries XXXX and Equifax said they can not help me I need to call or send each creditor letter to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Paramount Recovery Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original creditor was XXXX  XXXX XXXX  in XXXX, but then suddenly it appeared on my credit report as of XX/XX/XXXX by paramaunt recovery sistems. so it impacts my credit score like it was fresh debt from XXXX. Never received any bills on this amount and any notices so I could be able to fix it. And since it was 3 and a half years ago, but the collection company reports it like it was this year wich impacts my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Notified Credit Collection Services ( CCS ) on XX/XX/19 and again on XX/XX/19 that a debt they were claiming owed was incorrect from their client XXXX XXXX XXXX. CCS was claiming a debt of {$1300.00}, that their client XXXX XXXX said was owed to them due to me cancelling auto insurance services with them because they stopped taking payroll deduction payments. I notified XXXX of this issue twice. Once in XX/XX/2019, when I noticed that payroll deduction payments to XXXX were not being taken. I was told by the XXXX representative that everything was fine and I was in good status. I contacted them again in the beginning of XX/XX/2019, when the issue still wasn't corrected and asked why the issue wasn't corrected and again I was told I am in good status. I have been a customer of XXXX XXXX for many years and have always paid with payroll deductions with no problems. However, XXXX never once corrected the payment issue. It is against the law in the state of Arizona to not have auto insurance. I was forces to hire another insurance company on XX/XX/2019. On XX/XX/19, I even provided CCS with a supporting document that was sent to me from XXXX that shows the amount owed for five weeks of service coverage is {$490.00}. CCS continues to notify me of the {$1300.00} amount. CCS was informed that this is false representation of a debt amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/18, i applied and was approved for a Cash app prepaid card. Since i am XXXX i do not have a steady income or bank account to receive, transfer funds. My wife and son who both have Cash app felt this would be a good option for me so whenever i need money they can transfer From their accounts to my cash app card. I had no issues whatsoever, until a few days when my son tried to send me XXXX XXXX   for dinner. He let reviving a message stating the transaction failed. At this point i had already had XXXX XXXX in my account from transactions from my wife. I emailed cash app who said due to fraudulent activity my card was closed. I am beyond angry as i did nothing wrong. My son and wife both work and anything sent to me or transferred was monies from their account ya only. The strange thing is their accounts are still open so where was the fraud. I sent a message to XXXX today and received another email with no explanation but that my account is closed. I have XXXX XXXXs int he account and i would like my money either sent back to my wife or to myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation