BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two major charges, one for {$4900.00} dated XX/XX/2019, and one for {$9500.00} dated XX/XX/2019, and both for payments made to XXXX XXXX in Virginia, and which more than doubled authorized credit allowed for this credit card account, appeared in statement for XX/XX/2019. I was not notified of this unauthorized overcharge by the company prior to receiving monthly statement, and there is no evidence to me otherwise of red flagging for these major charges. I spoke with Customer Service representative for credit card on two occasions, lastly on XX/XX/2019, and have spoken with companys fraud desk, lastly on XX/XX/2019 and XX/XX/2019, and was told in first instance that next statement should reflect a correction or adjustment and in last instance that they ( fraud desk ) were waiting to hear back still from merchant vendor, that is, XXXX XXXX. 
I am concerned that these unauthorized charges were recorded in the first place, that I was not immediately notified by phone questioning me if I had actually made those charges, and for amount of time already involved in resolving this matter to my satisfactionwith all unauthorized charges and related interest removed.

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 2021-04-15
Company: Kabompo Holdings, Ltd.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I requested PAXOS send {$60.00} in XXXX  crypto currency from my account to my account with another crypto currency company. Since that time PAXOS has refused to complete the transaction, making up ridiculous " additional information required '' reasons to not complete the transaction such as asking where I got the {$60.00}, why I bought XXXX, what I plan to do with the money, etc. etc. I cooperated with their unreasonable requests to this point and now they are just ignoring me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and canceled my XXXX service in XX/XX/XXXX because we moved and sold our home where services were registered. The rep wouldn't take no for an answer, but after more than an hour of arguing with them to cancel, not suspend my services, they finally agreed to cancel effective XX/XX/XXXX. Turns out, they ignored my request to cancel and ended up suspending the account for 6 months. I started getting bills again in XX/XX/XXXX and charges started accruing on the account again. Between XXXX and XX/XX/XXXX I called XXXX XXXX times and finally got them to close the account in XX/XX/XXXX, but not before {$560.00} had been accrued on the account. The rep told me that if I didn't pay that amount, the account would end up in Collections, but that only the XXXX Corporate Office could authorize cancelation of the amount due. The rep informed me that they submitted an " Escalation to Corporate '' and I would be contacted with two weeks. After not being contacted by Corporate, I called the rep back and they informed they submitted a second escalation. Again, I never heard from them. A few months later I start getting collection notices from Credence Resource Center. Since then I have disputed the charges with Credence twice, with XXXX twice, placed several more calls to XXXX, and submitted a complaint to XXXX 's compliance office ( never heard back from them either ). Every time I dispute the charges, all XXXX does is send the statements from between XXXX and XX/XX/XXXX to " certify '' the charges with absolutely no mention of the more than 20 times I have attempted to dispute the charges as fraudulent since they were placed on my account several months after I initially canceled the account because we no longer lived at or owned the residence where these services were located. As a result of this, my credit score has dropped by nearly 100 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got XXXX to correct my XXXX sometime between XXXX and my doctor set me up with XXXX XXXX through XXXX XXXX  to finance the {$4800.00} XXXX. I paid {$200.00} a month until the balance was down to {$1200.00}. 

As a graduation gift to me, my dad paid the {$1200.00} balance off on my behalf. The first attempt was an online payment and at first it was accepted, then later rejected for some reason. I called XXXX XXXX customer service and spoke to a representative who resubmit the payment over the phone and confirmed that everything processed correctly. A couple days later, we checked my dad 's account and confirmed the {$1200.00} had finally been debited. 

I thought nothing more of the transaction until 2-3 years later I was in collections for over {$3800.00}. They claimed my second payment was denied as well so they added {$2600.00} in fees, closed my account ( which removed my online statements ), wrote my debt off, and sent me to collections. That debt collector has since sold the debt to a new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts do not belong to me. I would like them removed and I want a 7 year fraud alert placed on my credit report. I have attached my etc report below. 
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 2019-11-04
Company: JPMORGAN CHASE & CO.
State: MA
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 customer service

Complaint:
Chase had sent me two letters recently claiming that they could not locate the transaction information that I requested. 

Chase has not provided any reasons why they could not locate the information nor they identified clearly on their letters which transaction information they are referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
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:
This credit bureau has been notified that this account is not mine and  may have  been obtained fraudulently. The companies are  XXXX   XXXX  and  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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-08-03
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Getting robocalls 3 - 5 days a week from Municipal Services Bureau saying they are calling on behalf of XXXX County. Since XX/XX/2020, I've received 46 calls from them. The ones prior to XX/XX/XXXX, I had already deleted. ( Call log attached ) The beginning of msg is always cut off because they start talking before my recorded greeting stops. I'm asked to log onto website www.msbpay.com or call XXXX. But I need to provide a reference # & zip code to log in. Problem is, I don't have a reference # and if they are referencing one, it must be on the first part of the msg which is cut off. 
Plus I am not aware of any debt own to XXXX County, CA. I do not live or work in XXXX County nor have I ever received a ticket while driving through XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed several collections on my credit from XXXX XXXX. They duplicated the debt as well. I have insurance and paid my deductible. I sent a request to XXXX XXXX to validate this debt. They never sent me anything, yet they continue to report collections that I don't owe on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: COMMERCE BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX refuses to investigate and remove inquires that are unknown and not inquired nor authorized by 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 2017-11-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am trying to access my account data via a website for monitoring and Barclay is blocking access.

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 2017-07-10
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan was transferred from XXXX XXXX XXXX XXXX to Nelnet. Nelnet says this happened in XX/XX/XXXX, SC student loans says the last info sent was in XX/XX/XXXX. I paid off the entire balance to Nelnet in the amount of XXXX on XX/XX/XXXX, & because I paid the loan after XXXX on XX/XX/XXXX, I also had to make payment for the next days interest which was less than XXXX cent. ( I will have to pull bank statement to determine exact amount of interest paid with the second transaction ). Almost 3 months after the payoff, Nelnet sent me a statement on this account stating I still owed {$60.00}. I called immediately since this was already paid off. Nelnet told me at that time that it was the last payment still owed, as they did n't take last payment with the transaction. I was sent to a supervisor who told me the same. I argued that because I was sent a statement that it was paid in full. I was getting so frustrated that we had to end the conversation before it got nasty. I called back a few weeks later hoping to get somewhere with them before the due date of the payment they claim I still owe. At that time, I was told that XXXX XXXX XXXX XXXX ( XXXX ) had sent a statement of fees still owed on the loan to them & that it was NOT the last payment withheld from payoff as I was told before. I asked for information to contact XXXX about this because I was n't aware of any fees. I called XXXX who says they have n't sent anything to Nelnet since XX/XX/XXXX. Something sounds very suspicious and I want to know where this balance came from because I feel this is bogus charges & they ca n't seem to get their story straight about where the balance came from. If I owe, and they can prove the charges legitimate, I will pay. However, I do not have money to just give away for some bogus charges they came up with and ca n't explain how they got there. They have had me going around in circles from Nelnet to XXXX and I 'm not getting a straight answer from Nelnet. **I ca n't put my hands on the paid in full receipt because we have alot of stuff boxed up to move, but the attached file is a statement sent in XX/XX/XXXX that I owe {$60.00} & states the amount I paid off and the date it was paid off. I have bank statements and I hope Nelnet will still have a copy of the phone conversation on XX/XX/XXXX when I spoke to a representative to give my checking account information to pay off the loan. When I unpack at our new home, I will gladly send in the paid in full receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-06-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The documentation that is being sent back is not supporting the claims of your AMEX department. 

I have sent American Express over 30 pages of documentation collected, highlighted, notated multiple times. 

I have filed a dispute for the amount of {$2700.00} due to your dispute agent advising on a recorded call from XX/XX/2018, to not pay the XXXX Arbitration fee  of {$290.00}. 

The result of the dispute is that Amex sends XXXX Documentation stating that they believe the claim is not legitimate and will not refund the cost. 

The dispute is not with XXXX. It is with AMEX due to your dispute agent advising on a recorded call from XX/XX/2018, to not pay the XXXX Arbitration fee of {$290.00} I have filed 3 CFPB claims and the response is that AMEX acknowledges the call was made and that We found that we could have provided you with a clearer response on the expectations of the dispute process and any outstanding fees you may have to pay to XXXX during that call. 

The documentation that is being requested from the dispute can not be provided to the dispute department due to : Please note, phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena How am I supposed to provide you with supporting evidence of the call when you won't release it without a subpoena? 

You confirm and acknowledge that the call exists where the dispute agent on XX/XX/2018 with explicit advice in plain English to not pay the arbitration fee. 


Why are my cases now being closed with the response I am no uploading supporting documentation, when the only documentation needed is internal to American Express? 

Attached is a PDF version of this letter with references to cases both opened with American Express and CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-04
Company: DriveTime
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I purchased a car from drivetime they never told me that the car had recall on it the power steering went out while I was driving on XXXX and I almost died the warranty tried to blame me for the power steering going out. The car is sitting at the shop I am unable to drive it at all the car is not even a year old. I really they cheated me and I believe they owe me money back for this car

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
CAPITAL ONE GRANTS CUSTOMERS THE XXXX SERVICES POWERED VIA XXXX, BUT ARE UNABLE TO USE BECAUSE XXXX IS BLOCKING MY CREDIT. CAPITAL ONE MUST CONTACT BOTH ARTIES OR BE SUED.

Company response to consumer: Closed with explanation