BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: BARCLAYS BANK DELAWARE
State: HI
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 was charged {$4900.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing an complaint in XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XXXX, XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.

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 2018-01-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
They said the info I disputed was verified, without providing me with the proof.

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 2020-02-06
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter of a debt from Commonwealth financial systems debt collection agency with the original account being from XXXX XXXX XXXX in the amount of XXXX. On XX/XX/XXXX20 I spoke to XXXX XXXX ext. XXXX who represented himself as an account manager. I told him I have medical assistance, did not receive a bill from any XXXX XXXX XXXX network office. I asked him who the debt was for specifically, maybe my children because I have not been to the DR in years, as well as the dates of service, what the service was, who the service was with and any information to help me handle this. I need the original creditor. He said he did not have that information but would would mail what he had. I never received any letter or further phone call with any notification of this information. I currently have medical assistance through the state and I need to submit this information through them to get the any alleged debt settled. On XX/XX/XXXX20 I received notification through XXXX that this is currently on my credit report as a collection account and negatively affecting my loan options status. They did not even wait the 30 days for me to respond and request in writing that I dispute the validity before putting this on my credit report file. Upon googling this specific collection agency, it seems there are tons of negative reviews and I am afraid of how they can dramatically affect my credit score. I am attaching the first notice I ever received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions Inc.
State: CA
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:
Re : Report # XXXX for XX/XX/XXXX Re : XXXX XXXX : XXXX ATTENTION : EXPERIAN DISPUTE DEPARTMENT With all of these inaccuracies how were you able to verify this account XXXX XXXX : XXXX? How are you able to insert the comment meets requirement of the Fair Credit Reporting Act when clearly this listed account has several inaccuracies. It is the duty of Experain to complete a thorough and independent investigation and not just minic what the creditor have listed on all accounts on each credit file. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/XXXX? How is this accurate? 

If I have never done business with XXXX XXXX how does Experian list a reported term of 1 month? How is that accurate? 

There should not be a credit limit on a collection account yet Experian lists a credit limit of {$1400.00}. How is that accurate? 

There should be no late payments on collections account yet Experian lists a late payments status since XX/XX/XXXX. How is that accurate? 

There should be no past due amounts on a collection account yet Experian lists a past due amount of {$1.00}, XXXX. How is that accurate? 

This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains as XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION!

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 2022-01-10
Company: Square Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2021 or XX/XX/2021 there are XXXX fraudulent transactions with the amounts of {$900.00} and {$950.00} being removed or sent from my account. It was fraud and or a scam. The funds were sent to a XXXX XXXX. I do not know this person. I did not give permission ro send my funds to this person. Its a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: SC
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:
Chase Card is reporting an inquiry on my credit report. I did not approve of this. I am not very happy. 

An inquiry should only happen for the following reasons : 1.Insurance ( they are not an insurance company ) 2. Court Order ( we are not nor have we been involved in court proceedings ) 3. Employment ( I have never applied for employment ) 4. Firm offer of Credit ( they have never given me a firm offer of credit )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : 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 2021-12-06
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX has called me in the last three months from MULTIPLE 646 exchange numbers. Saying press one to be removed, calling from a recorded line. I ALWAYS REQUEST TO BE REMOVED. PRESS 1. YET THEY CONTINUE to call. It is at least 10 times a day. It is absolutely ridiculous. 

I have texted stop I have looked for a website to be removed there is not one I have put my number on the do not call registry Please make them stop

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as Colony Brands , Inc . These 2 entities are XXXX XXXX and XXXX XXXX XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: PA
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:
I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware. My XX/XX/XXXX statement balance was {$2300.00}. I mailed in payment and payment stub to the XXXX, GA address listed on the payment stub around XX/XX/XXXX. Based on the endorsement stamp on the back of the check and my bank records, the check was received and deposited by Barclays on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. To date the {$2300.00} payment has not been applied to my account. I checked my statement online on XX/XX/XXXX and noticed the issue. I used the online messaging system to alert XXXX XXXX XXXX XXXX to the issue. I never received a reply to that message and any trace of that initial contact has been removed from my online account records. I called on Monday, XX/XX/XXXX, and spoke to a customer service representative. She requested that I fax confirmation of payment so that the Payment Research Department could investigate the issue. I sent the fax to the number I was given, ( XXXX ) XXXX at XXXX XXXX CST on Monday, XX/XX/XXXX. The fax machine report indicated that the fax was transmitted successfully. I have placed calls to customer service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have talked to three different customer service reps and one supervisor. None of them have been able to tell me anything about the status of the investigation other than " it will take 2-3 business days to complete. '' I have been repeatedly told that it is impossible for me to speak to someone in the " back-office '' or Payment Research Department about the issue. On XX/XX/XXXX, the supervisor I spoke with seemed to indicate that even the customer service department could not contact the Payment Research Department on my behalf. The supervisor could not even confirm if the fax I sent on Monday, XX/XX/XXXX have been received. The endorsement on the back on my check for {$2300.00}, which cleared the bank on XX/XX/XXXX, is from Barclays Bank, the issuer of the 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 monetary relief
Consumer complaint received 2019-07-17
Company: EQUIFAX, INC.
State: AK
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 given my correct address information numerous times in writing, online, and verbally with supporting documentation ( drivers license, utility bills, and bank statements ). Equifax continues to remove correct information from my report and replaces it with incorrect address information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: AMERICAN EXPRESS COMPANY
State: OK
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/2021 my wife went to an atm from XXXX in XXXX, OK. She attempted to withdraw some money and was declined. She thought it was because we didn't have the funds ( XXXX ) and it was returned to our XXXX  by AMEX from XXXX XXXX XXXX She tried again but this time for XXXX, this time the atm did the same thing but XXXX took XXXX money and wont give it to us. They told us to file a complaint with the bank and the bank told us to do it with them because we were their members. 

I did file the complaint with XXXX on the very same day. They explained to me that it can take up to 45 days to complete the process review and return my funds. But the also said and this is where my problem is, " If we do not resolve your claim within 10 business days, I can be rewarded a temp credit for the missing fund. '' I have called them everyday asking for the status update. I have spoken with exactly 6 billing supervisors since the XXXX and they all keep giving me different days when the 10 days would be. Was told the XXXX by 3 of them then the XXXX by one and now the XXXX by the last XXXX. They have all said the bank is holding up the return of the money. 
I went last week on the XXXX to the bank after talking to them about this issue. 

On the XXXX I printed of and brought the dispute form to the bank because XXXX told me they were the ones hold up the refund. I spoke to the bank manager and the people who work disputes for the bank and they said they had not received any forms from XXXX like XXXX said they sent. I gave them the dispute form I had and they said once XXXX sent their copy, their policy is to work it the same day. 

As of today, the XXXX, XXXX is stating they are delaying my 10 day credit, due the bank not responding to them. I have spoken with the bank today before I called XXXX 3 times today to be told the same like the bank is holding up the process. And that even though the XXXX and XXXX supervisor told me I was already approved for the credit they don't know about that. They can't promise that or see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Convergys
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The report lists Convergys as my current employer but I currently work for XXXX and a clinical research company name XXXX. Please update the information on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got this card in XX/XX/XXXX. It's been so long since I used it, I can't tell you what it is I'm paying on, nor have I been using credit cards of any kinds besides store credit cards. I called sometime last week to see what it is that I'm sending in payments for since I don't use the card. I was told what I'm paying is interest. I did a balance transfer in XX/XX/XXXX for $XXXX. That made my balance $XXXX. I've been paying more than the minimum amount and I even send in extra. The minimum payment is about $59 now. I have been sending $XXXX a month PLUS $XXXX EVERY WEEK for the last month or more AS WELL AS my checks from my part time job. From XX/XX/XXXX up until XX/XX/XXXX, I've been paying anywhere from $XXXX to almost $600 more than the minimum payment. My interest rate is 10.99% but yet my balance just recently went below $3200. My payments are also on time and never late. When I called the company, I called 3 times to see if they could reduce the debt so I could pay it off and my request was denied. If I haven't used the card, how in the hell can I still be paying interest? The dates that I called were: XX/XX/XXXX (twice),  XX/XX/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 2020-02-06
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent a check to pay my escrow shortage in full, it wasn't received. My bank is aware & will stop payment if it comes through. On XX/XX/XXXX I called & spoke with XXXX at Specialized Loan Services, my mortgage company. I paid my escrow shortage {$330.00}. I had been told previously my payment was still going up, from {$760.00} to {$790.00} even after paying the escrow shortage. My monthly bills kept showing {$820.00}, as if escrow was never paid. I called XXXX XXXX and was told escrow showed as paid, the system just wasn't updated but would be. The regular payment should be {$780.00}.?? I paid what I did last time. XXXX bill arrived, same problem.. XXXX bill arrived and I called on XX/XX/XXXX. I spoke with XXXX. She was very nice & as confused as I was. Escrow HAS been paid!! She transferred me to the escrow dept & I spoke with XXXX.This is when she told me that when they took over my loan in XXXX there was a {$28.00} escrow shortage! it had gone up to over {$50.00} ... I GOT VERY UPSET!! this is the first I'm hearing of it.. From almost 3 years ago!!?? I pay my escrow shortages in full every year!! What the XXXX happened?? I said I was not going to pay for something that happened years ago & I was never informed about.. She said I would get a letter of explanation.. I HAVE RECEIVED NO LETTER ... on my mortgage statements.. 
XX/XX/XXXX uncollected escrow {$28.00} XX/XX/XXXX uncollected escrow {$56.00} XX/XX/XXXX uncollected escrow {$50.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$39.00} I want an explanation why I'm paying for escrow from XXXX How did it go from {$28.00} to {$56.00}??? and what exactly is my real house payment suppose to be??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Southwest Recovery Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice for medical work do e in XXXX texas. I have never been to the doctor or had in medical work done in XXXX, because During that time i lived in new york.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation