BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: Berndt & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received my results from XXXX  about this account from XXXX XXXX XXXX   XXXX it was deleted. Today I received a letter from this lawyers office as well as court papers lawyers name is Berndt & Associates PC. This issue has been resolved I disputed this back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have received notices from XXXXXXXX XXXX  in regards to my XXXX and XXXX XXXX XXXX XXXX ... my limit on both of these accounts by XXXX ... 

These accounts I have paid on time ... and paid off once ... I have complied with them, while tolerating customer service reps being hateful at times ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: JPMORGAN CHASE & CO.
State: TX
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:
What a way to start the day! 

My checking account at Chase was hacked in great detailed and all my information was used to fraudulently order over {$350.00} worth of a dietary supplement from a company in California that is easily available locally for about {$75.00}. 

Chase can not help since all my information was " verified '' by the California company and it is now incumbent on me to prove my honesty! They suggested that I call the merchant directly to perhaps " work something out ''! 

I called the California company directly and a person with unintelligible English at an obvious boiler room call center tersely told me that I had to deal with my bank, wished me a good day, and unceremoniously hung up!

I called Chase back and they once again told me that the merchant had verified all " my information '' which, if all the current info on hacking on the internet is correct, can be easily lifted by hackers. They even said that the merchandise had been delivered directly to me!! 

Anyway, the Chase fraud staff told me to XXXX XXXX XXXX and I have been stuck with the {$350.00} charges! Oh ... ..but they did wish me a happy holiday!!!! 

Ya know, XXXX, the scammer went as far as telling Chase that the stuff was delivered directly to me!!! 

The " stuff '' is XXXX XXXX and XXXX XXXX. I opened an email from from these people offering trial samples of each product for {$3.00} ... ..I deleted the email when I read the tiny print that said an automatic shipment of each product would start at {$90.00} each if I did not contact them to cancel my " contract '' within 10 days ... ... that 's when I deleted the email and that was the total indirect contact I had with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My wife XXXX XXXX in XX/XX/XXXX, I discovered in her papers a VISA gift card in the amount of {$100.00} that expired XX/XX/XXXX. I contacted the name of the financial institution on the back of the card XXXX XXXX XXXX. nka XXXX XXXX. In the first call I was directed to take the card to a branch of the bank because this was as good as cash. I had to search for the nearest branch as the agent on the phone did not have access to that information. I searched online and discovered that the nearest branch is in XXXX. I live in XXXX. I called back to see if there was a way to handle this transaction by mail. The next agent advised that the card expired and the funds were no longer available. I asked for an address so that I could make claim or complaint in writing. The agent put me on hold to find an address and I was disconnected. I understand the the fine print on the back of the card states " The monthly administration fee of {$2.00} will be waived for 12 months. On the 13th month following activation the {$2.00} fee will be deducted from the balance of the card, except where prohibited by law. This is fundamentally wrong. What cost of administration. The bank is, at a minimum, earning interest on this money. The individual who purchased this card paid an administration fee up front when the card was activated. I am filing the complaint because the {$100.00} is not significant unless one considers the amount of money the bank accumulates from " expired gift cards. If anything the bank should be paying interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I monitor my close closey everyday. Ive set up alerts on my account to notify me each time a transaction has been posted, debited, withdrawn & or credited my account. I submitted a claim for unauthorized charges on my account & called my bank to cancel the card. As of XX/XX/2018 they have charged me NSF in the amount of {$110.00} incorrectly. I called to file a complaint the representative could not explain if the transactions were accurate in which they were not. twice they have also returned checks when I had over 4K in my checking account. This is theft & needs to be investigated. The integrity of this bank is questionable as well. When I call after authenticating myself they still ask me for my full social security number, my driver license number, & DOB, & the security code on the back of my debit card. I do not trust this process & make me afraid I will become a victim of ID THEFT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-28
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DURING XX/XX/XXXX I HAVE MADE ( OFFERED ) ONE PAYMENT OF {$1500.00}. - SEVEN PAYMENTS OF {$1400.00}. AND ONE CASHIERS CHECK OF {$2900.00} TO PHH MORTGAGE. THESE AMOUNTS TOTAL {$14000.00}. 

PHH MORTGAGE IS PURPOSEFULLY MANIPULATING AND REJECTING PAYMENTS MADE TO THEM. EXAMPLE, IN XX/XX/XXXX I MADE A {$1500.00}. PAYMENT TO PHH MORTGAGE AGAINST A REQUIRED AMOUNT OF {$1300.00} PAYING IN {$130.00} EXTRA. IN XX/XX/XXXX PHH BILLED A {$120.00} ESCROW SHORTAGE ( SEE XX/XX/XXXX/17 PHH LETTER ). I NEVER RECEIVED THIS BILLING. IN XX/XX/XXXX PHH REJECTED MY {$1400.00} MONTHLY PAYMENT AS IT DID NOT COVER THE {$120.00} ESCROW BILLING AND THE REQUIRED {$1300.00} AMOUNTS THEY WANTED. THEY RETURNED 4 OF THE NEXT 5 PAYMENTS. THE XX/XX/XXXX THEY KEPT BUT IT DOES NOT SHOW ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '' THEY REPORTED FALSE INFORMATION TO THE CREDIT BUREAUS SEVERELY DAMAGING BOTH MINE AND MY EXWIFE 'S CREDIT RATING. THEY HAVE PURPOSEFULLY DID THIS TO US AND ACCORDING TO MY REALTOR AGENTS HAVE DID THIS AND WORSE TO OTHERS. 

I REQUEST AN IN DEPTH ACCOUNTING OF PHH MORTGAGE AND ITS UNFAIR TACTICS. THEY DID NOT APPLY MY XX/XX/XXXX PAYMENT ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT ''. NOR DID THEY RETURN THIS PAYMENT TO ME LIKE THEY DID WITH 4 OTHER MONTHLY PAYMENTS MADE TO THEM. I SOLD THE PROPERTY AND PHH TOOK {$120000.00} OF THE PROCEEDS AGAINST A BALANCE OF {$110000.00} SHOWING OWED ON THEIR " CUSTOMER ACCOUNT ACTIVITY STATEMENT '', A DIFFERENCE OF {$2200.00}. 

I WANT PHH TO 1. RETURN MY {$1400.00}. THEY HAVE NOT APPLIED TO MY LOAN. 2. RETURN THE {$2200.00} THAT WAS MORE THAN THE AMOUNT PHH TOLD ME AND THEIR " CUSTOMER ACCOUNT ACTVITY STATEMENT '' INDICATED WAS DUE. 3. ALL LATE FEES AND OTHER MALARKY NEEDS TO BE REPAID. 4 MOST, IMPORTANTLY PHH MORTGAGE NEEDS TO CORRECT CREDIT BUREAU INFORMATION ON BOTH MY EX-WIFE AND MYSELF, AND PROVIDE PROOF OF DOING SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XXXX blocks customers from retrieving their consumer data via thirds parties. XXXX XXXX is near impossible to use.

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 2019-11-17
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received notification from Medical Revenue Service that I owed {$1400.00} for services incurred on XX/XX/XXXX. I notified my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of this issue. They have stated that I am not responsible for the debt as can be seen on the enclosed document. The debt is a Contractual Write-off between XXXX XXXX and XXXX XXXX. As stated on the document this amount can not be billed to the patient ( myself ). Yet the Collection service continues to harass and threaten me with placing the item on my credit reports which they have. The document from my provider clearly states that I am not responsible but I remain threatened.

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 2021-06-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX I discovered someone had withdrew {$3500.00} from my Wells Fargo savings account. There were 7 withdrawals of {$500.00} each day from XX/XX/XXXX thru XXXX. The trail was from Wells Fargo to XXXX to individuals who I do not know.I had not heard of XXXX before this fraud occured. I contacted Wells Fargo Claims Assistance and reported this, I was questioned for a few minutes and was told I would be told the results of the investigation at a later date. A few days later I recieved a letter stating that " we have determined that the transactions were made by you ''. We have had that saving account for several years and the only transactions we made were deposits. The Wells Fargo rep was not in the least willing to give me any information as to where the transaction started, what XXXX was and how the transaction took my money without my knowledge or requesting any action regarding my account. I requested Wells Fargo senf me documents used by Wells Fargo to determine that I was the one who made this transaction I am waiting to get these documents. Theysaid it could be 30 days. After doing some digging I found out that one must be enrolled in the XXXX  program in order to use their services. I am not enrolled. The Wells Fargo people were rude and uninterested it even trying to hear my complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XXXX of XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. Porfolio Recovery collection  practices are illegal and unethical. I have also made written them stating that I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
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: Was not notified of investigation status or results

Complaint:
hello I submitted a dispute letter to Equifax on XXXX XXXX I still have not received any reply from Equifax as of today XX/XX/2021. 
I also sent a letter to Equifax on XX/XX/2021 failure to comply and did not receive anything to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Happy Money, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Payoff.com, misrepresented how much I owed them in XX/XX/2019. When I refinanced my home, I sent them a check for the balance they quoted me also in XX/XX/2019. Turns out, they wanted {$66.00} more dollars. I tried to explain I paid the amount they said and they said well the quoted amount did not include interest. 

I had been paying the loan off in monthly installments, automatically, for over a year. All the interest was built into the payments. 

They began harassing me in XX/XX/XXXX calling my cell phone during work hours, texting, emailing, all for XXXX XXXX I use my cell phone for work, was very embarrassing. 

I agreed to pay the full amount in XX/XX/2019. I asked XXXX XXXX of the collections department if they reported me to a credit bureau which they did. I was livid. Here was a company, I borrowed XXXX from, paid every month from my account automatically and they are trying to hurt my credit for {$66.00}. 

I asked if they could write a letter to the credit bureau to indicate a mistake reporting my account delinquent and XXXX XXXX refused.

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 2018-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, my wife ( XXXX XXXX ) and I ( XXXX XXXX ) sent a wire transfer to our daughter XXXX XXXX, who is a student at the XXXX  XXXX XXXX in XXXX, XXXX - XXXX. The amount was for {$5000.00} and it is something we have done for her six or seven times since she started going to school there in 2016. It is 12 days later and the money has not been received. It usually take 2-3 business days. 

Our bank is JP Morgan Chase, our account is XXXX. The branch where we executed the transaction is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. My daughters bank is XXXX XXXX  XXXX, The reference number for the transaction of XXXX. 

Our attempts to resolve this issue have been frustrating. In fact, Chase 's only answer to us was that the transaction was under compliance review because they wanted to make sure we were not laundering money to XXXX or XXXX. Funny, I have been a Chase customer for well over 20 years, my daughter a XXXX customer for 2 1/2 years. They know more about our financial dealings than anyone - why would it take more than ten minutes to figure out we have to do with any of that. We also only found that out after calling them for the 4th or 5th time ... which leads me to believe it may not even be true. Also given this is the 6th or 7th transaction for the same purpose they could have easily looked at my daughter 's records to see where the money goes - which is rent, her phone and the grocery store. 

For them to hold our money to make money on the float while currency markets fluctuate is awful. I believe our rights are being trampled upon and I would like the matter resolved quickly and not repeated ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE 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 2018-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PORTFOLIO RECOV ASSOC Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 


To Whom It XXXX Concern : This letter is in response to your phone call on dated XX/XX/2018, concerning the above-referenced account number. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. 
Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. I demand you " Remove this from my credit report within 30 days or I shall seek justice in the court room, Or contact XXXX, XXXX and XXXX that this account falls under California statatue of limitations, This debt has expired and you are being asked to remove this from my credit report. 

XXXX Pacific standard time XX/XX/2018 - Letter sent Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Dear CFPB I am formally filing this complaint against Moneygram against transaction # XXXX. I am from the United States and was visiting my extended family in XXXX XXXX. I did an online transaction so I could leave my parents with some money as a gift. I was flying out the very next day morning.. I received a verification call from Moneygram. I provided all the information they were looking for. They confirmed the transaction is approved. I later received a confirmation email that the money is ready for pick up.. At the pick up location they however told me the transaction is on hold.. I called Moneygram again and after frustrating 1.30 mins on the call and several disconnects I still did not get my money.. The service was outsourced to poorly connected third world country who were not at all audible or clear in their english. I was put on hold at least 10 times and disconnected several times. They finally cancelled the transaction citing the reason that why am I doing a money transfer when I am in XXXX and can give the money directly? Seriously? The money is in my bank in XXXX not in XXXX How else could I have given money except for a moneygram transfer. I am leaving without any gift to my parents and that means a lot in our culture.. Moreoever Moneygram has the audicity to hold my own money for 12 business days before refunding.. I want the strictest of legal action taken against Moneygram

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC  ID THEFT REPORT # 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