BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, and Account # XXXXXXXX XXXX has violated my rights.

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

15 U.S.C 1684 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit reporting companies, the big three - XXXX, XXXX, and experian all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that Experian charges a fee for a credit freeze, I ca n't just decide to move my business to XXXX. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state.
In light of the egregious theft of my highly valuble personal information from XXXX, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.

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 2018-12-04
Company: Receivables Performance Management, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : RECEIVABLES PERFORMANC Account Number : XXXX Date : XX/XX/2018 Amount : {$660.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX at XXXX Hospital in XXXX, CA on XX/XX/XXXX. They held the bill as long as they could in house. It went to collections after that & I was making all of my payments as agreed with XXXX XXXX XXXX for a very long time. Once in awhile I was late or forgot, and I would get a notice in the mail. I renegotiated a lower amount & made those payments until my divorce in XX/XX/XXXX. Then I made them as I could after I began working again. According to my records, by XX/XX/XXXX my Balance was down to {$320.00}. On XX/XX/XXXX I called to make a paymnt I would have normally made online, but due to their system issues or something, I was not abel to. I was told via phone by a rep named XXXX my balance was {$14.00}. I was shocked, I questioned, informed that was my balance & I paid it in full. {$14.00}. A few months go by, I am still questioning to myself that something was n't right, so I called at the beginning of XX/XX/XXXX, & left a voice mail. I received a letter dated XX/XX/XXXX from A/R Strat who now has taken over the account ( company took over XXXX XXXX XXXX ) He apologized for their error & now my balance was correct at {$310.00}. Since then I have made XXXX payments via their website, and none of which have been posted to my account. Not even after my complaint call on XX/XX/XXXX, to A/R Strat where I spoke to a rep, who then transferred me to a supervisor named XXXX XXXX She said my balance was still {$310.00}, & I had to send them proof of my payments to have them posted to my account. Needless to say I am XXXX XXXX. I paid {$56.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX, & {$100.00} on XX/XX/XXXX leaving a balance due of {$81.00}. To this day they still are not posted to my account. I know this because I went online 2 days ago to make my final payment of the total balance due & low & behold ... the site still shows {$310.00} balance due. I sent XXXX an email with my complaint & it came back auto reply she is out of town & to talk to two other associates. I will be forwarding my emails to them as well. So from XX/XX/XXXX to now my payments are not posted at A/R Strat. Yet I called the hospital XXXX XXXX XXXX on XX/XX/XXXX & they had the same balance I did ... {$81.00}. .... Someone is not doing their job! This ca n't be the only account this is happening to! This has to be corrected & I want an apology and a XXXX balance due letter and I want any and all derogatory information about this account if it is on my credit file history to be corrected! Immediately! This is wrong! I never got any bills from A/R Strat ... only the one letter in XX/XX/XXXX. Nothing else. No phone calls, no email, no usps letters or bills NOTHING! Why??? What kind of monkeys do they have running this circus???

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 2020-02-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In XX/XX/XXXX I was notified from Superior Court of New Jersey Law Division XXXX  New Jersey for a credit card balance Docket XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was in collection agency Midland Funding L. L. C. with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX File XXXX it is XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) file. I went to Superior Court in New Jersey, XXXX  County to answered that lawsuit. Therefore, few years ago I called Dell to set-up the account and pay monthly lower payments. But, XXXX XXXX XXXX told that did not had this account, because they sold to XXXX XXXX XXXX for {$500.00}. Also, XXXX XXXX XXXX harassments a customer from credit cards made business with bad manners to get wealth. XXXX XXXX XXXX  harassments me with calls and used the law for that propose. They hurt me in many manners, since they harassment me still doing. Yesterday XX/XX/XXXX, at XXXX a Sheriff from XXXX   City knocked my door in my house. The Sheriff come to my home because XXXX XXXX XXXX Now XXXX XXXX XXXX XXXX XXXX XXXX pay them a fee uses the Law their way for harassments made me with frighten me. The Sheriff told me, he is doing his job but for {$4600.00} Docket # XXXX XXXX. It is not right to came somebody home a made inventory about what I have in my home and take away someone needs. I believe that XXXX XXXX XXXX ( Now XXXX XXXX XXXX XXXX XXXX ) This account is from XX/XX/XXXX, Has A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. It falls in the three to six years range, although in they need to show me that own that amount. and this is too old. So, I am not own nothing, Status of Limitation had already passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I Have Requested All Credit Bureaus to Delete the debt XXXX XXXX XXXX XXXX for {$1000.00}, because it is over 7 yrs old. Per my attorney, it is Law. If Not removed after this request, he is prepared to move forward with legal actions

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 2017-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Portfolio claims I owe XXXX to them. I received paperwork in the mail where they took it to court in Virginia in XX/XX/XXXX. I just got the letter a couple days ago. I was not informed of court so that I could be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX we entered into a contract account initially owned by XXXX XXXX XXXX. XXXX XXXX XXXX has changed hands to XXXX XXXX. We bought a XXXX XXXX XXXX XXXX XXXX.
Our contract states 156 payments starting XX/XX/XXXX
XXXX XXXX XXXX a.k.a. XXXX XXXX held our contract from XXXX to XXXX. In XXXX they sold the contract to Santander consumer USAXX/XX/XXXX was our last payment according to our contract of 13 years but Santander informed us that we still owe three more payments.
We tried to resolve this problem many many times with Santander and XXXX but got no satisfaction. Santander Sent us our payment history that they received from XXXX XXXX and it did not include the first three payments that we made!!! So Santander said they changed our contract to 158 payments!!!!! ( That 's not legal we did not agree or sign an agreement to that ) so we faxed a copy of the contract and the letter explaining the bookkeeping error.
We sent three registered letters receipt requested to XXXX XXXX  asking for our payment history and they did not respond!! When calling XXXX XXXX the mailings were noted but the representative did not have the capability to print out our history but said that XXXX, XXXX, and XXXX payments XXXX were made and even gave me the dates but they were not included in the history that they sent Santander.
These two companies will not communicate with one another to settle this problem and if you call XXXX you have to state it was an RV account or they 'll tell you you do n't have an account with us.
The bank We do business with ( XXXX XXXX ) only wholes cancel checks for seven years and could not help us and unfortunately I only have statements going back to XXXX.
We were never late and always on time to both of these banks for 13 years.
The total of the three payments that we are not getting credit for was {$810.00}.
Made to XXXX XXXX.
Santander wants {$620.00} to close the account.
We are paying that amount under protest or should I say rip off.
My husband is XXXX and I am XXXX and we live on Social security. I think this is considered elder abuse.
Please help us if you can retrieve some of our money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-31
Company: Golden Title Loans LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
every day for the last 4 months XXXX XXXX has been calling my no and my wifes no 2 to 3 times a day at all times of any given day on Sat and Sundays also. I have asked 10 or 20 times for them to stop calling and they have even texted my wife stating where is the truck XXXX XXXX we will have you arrested. I even called the CEO of XXXX XXXX he lied and said they only call once a day according to his records but my records and phone shows they have called us over a 100 times. One employee stated he and they will call every XXXX day till debt is paid. We are so tired of companys breaking the law and no agencies do anything bout it. We as hard working tax paying Americans are held to obey the law and its ok, but company think they are above the law in question. What I think shoulsd be done is to be paid XXXX a call for their unlawful collection acts and violations of the Fair Debt Collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have been a past customer of PNC bank and changed my checking away from this bank several years ago, but kept a credit card open with them. I opened a new checking account with PNC in XXXX 2017 as I was looking for another bank close to my home and a friend had good experiences with that branch, so I figured Id give them another shot. I applied for a new checking account with a bonus that advertised {$200.00} for {$2000.00} of direct deposits and 10 debit card purchases in the first 60 days, which I completed.
<P/>
I called in XXXX to verify the terms of this promotion and wrote them down on a post-it note, which I still have at my desk. This promotion was listed for existing customers who hadnt had a checking account with PNC with the last X months, I dont remember the exact window, just that I fell within it.
<P/>
On XXXX XXXX, approximately 90 days after account opening, I sent a chat message to confirm when the promotion would be posted to my account, and after extensive time to research, told me the promotion was not on my account and I would have to call in for further research.
<P/>
I then called and spoke to a XXXX XXXX  who told me that though I met the requirements, the promotion code had not been applied to my account. She told me she called the branch and was unable to talk to the person who had opened my account which makes sense since the account had been opened online. She suggested I go in to a branch, at which point I told her it was unlikely I was going to speak to a third person about this and would just file this complaint.
<P/>
At this point, she transferred me to a XXXX XXXX, an escalations manager, who filed a dispute for a bonus not received and told me she would contact me with the results of that dispute. It has been one week since we spoke and there has not yet been an update.
<P/>
I do n't understand what the " dispute '' in this situation is since I fulfilled the terms set forth by PNC.
<P/>
I have the confirmation number from when I opened this account online available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent a XXXX deposit to Coinbase on XX/XX/XXXX, which was received by their bank on XX/XX/XXXX. For XXXX Euros. 

The deposit still has not been added to my online account with coinbase, nor has the money been returned to me. The deposit/transaction is still showing as pending on my coinbase account. Even though, my bank has confirmed that their bank has received the funds on XX/XX/XXXX. 

Coinbase support have only responded using templated emails and have not provided an explanation, timeframe or proposed resolution. Whats worse, they responded saying that all my transactions have gone through and that they ca n't see anything wrong in my account. 

Coinbase took my deposit on the XX/XX/XXXX and have held onto my money. And have not made it available for me to spend of withdraw, or given a reason for the delay. The deposit/transaction has been stuck as pending since XX/XX/XXXX, and coinbase have my money, but have not updated my balance for the last 3 weeks. 

I fear I will never see my money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an homeless victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, the XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: M&T BANK CORPORATION
State: NJ
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:
XX/XX/2019 XXXX reported a credit inquiries for - M & T BANK I DO NOT HAVE ACCOUNTS WITH THIS BANK.

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 2021-09-20
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My wife 's Cash App account was hacked. Noticed that there was XXXX w/d from her Cash App that was linked to her debit card and ultimately our checking account. I reported the fraud to XXXX XXXX XXXX immediately and my wife reported the fraud to Cash App right away -- same day. Both parties initiated a " dispute '' but months after, I get notification from both parties that they have denied our claim. We have no idea who the money went to, did not participate in the transaction, did not allow anyone access or use of the Cash App account and we did not benefit from the transaction. I tried re-opening the case with XXXX XXXX XXXX and I was denied. I even provided all the screenshots that requested showing I was working with Cash App to resolve and listed on my fax to them that this was complete unauthorized fraud. XXXX XXXX XXXX and Cash App still refuse to assist me. This has been going on for months. XXXX XXXX XXXX  reversed provisional credit on XX/XX/2021 and then closed the case again on XX/XX/2021. Both times they closed it for this reason, which is complete false. 

As you requested, we completed a re-evaluation of your claim. Our research included the information you provided with your claim, your account history and/or the monthly account statements we sent you. We made this decision because : **The charge was authorized by you or by someone who has permission to use the card or account. If we used documents to resolve your claim, we've included them with this letter. If you have additional information to support your claim, we request that you send it to us in the next 10 business days so we may reopen it. 

They will not allow you to reply. You have to call a 877 # that takes an eternity to reach someone. I did once and they asked me to fax proof and I did. Now, I can not reach them by phone as the hold times are so long. 

This dispute began back on XX/XX/2021. I reported the fraud the very day the transactions were trying to come through. We were very prompt and complied with all their requests to resolve. 

Cash App will not assist and say they are working with our bank. They are not. We attempted to dispute with them also and they do not have anyone you can call. You have to go back and forth for days via email. They are denying the claim without an accurate reason as well and will not assist. 

XXXX was stolen from me via Cash App in the amounts of ; XXXX, XXXX, XXXX, XXXX, XXXX I need help with this dispute on either company 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow up to a prior complaint which was submitted XX/XX/XXXX ( Case Number XXXX. ) Ocwen made a loan modification agreement with the homeowner in XX/XX/XXXX which it then breached. The homeowner paid on that XX/XX/XXXX loan modification and was current for five years until Ocwen suddenly and unjustifiably refused to accept payments. Throughout that time Ocwen refused to acknowledge the XX/XX/XXXX modification. Ocwen did not properly adjust the account but instead continued to send incorrect statements and delinquency notices. In XX/XX/XXXX Ocwen commenced a foreclosure action based on the original note, even though that note had been superseded by the XX/XX/XXXX loan modification. <P/>A copy of the prior complaint is attached. Ocwen subsequently sent a response, but did not in fact address the issue. Ocwen 's response, exclusive of their exhibits, is attached. We now submit a response to Ocwen 's response and request that further investigation be conducted by Ocwen and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IN XX/XX/2019 I PAID A SETTLEMENT AMOUNT TO XXXX XXXX XXXX XXXX  BY A & XXXX  XXXX IN XXXX XXXX,., WITH COMENITY BANK WHO ADMINISTERS THE CREDIT CARDS FOR XXXX XXXX XXXX., IT WAS XXXX.. HE AGREED TO REMOVE ALL OTHER FEES,., AND CLOSE THIS ACCOUNT,., HE LIED COMENITY BANK HAS HARRASSED ME AND CONTINUED TO FRUADENTLY SEND THE RISING STATMENTS NOW AT {$600.00} FROM THE {$120.00} SETTLEMENT AMT.. 
WHEN I CALL THEM XXXX XXXX XXXX,., THE CALL GOES TO THE BANK INSTEAD AND THEY ACT LIKE THE BILL COLLECTORS FOR THE CO INSTEAD OF A REGULAR BANK,., TELLING ME OH WELL YOU PAID OFF THE STORE BUT WE DIDNT GET OUR MONEY,., THE EXTRA {$500.00} IN FEES THEY ARE TRYING TO EXTORT FROM ME,., AFTER XXXX XXXX SAID I COULD PAY THE {$120.00},., TO DATE XXXX XXXX OR HIS EXTENSION EXIST,. AND COMENITY BANK MALIOUSLY CUTOFF MY VICTORIA   SECRET ACCT IN XXXX.IT WAS IN GOOD STANDING, AND I HAD RETURNED ALL ITEMS I BOUGHT AT XXXX  XXXX XXXX,, WHICH NEVER GOT APPLIED TO ACCT,, AS WELL,., I WAS IN A DISPUTE ABOUT MY ACCT SO I NEVER PAID,. BUT JUST AGREED TO SETTLE THIS ACCT,., COMENITY BANK HAS REPORTED NEGATIVE SPITEFULLY SO IN ALL CREDIT BUREAUS TIL I HAD TO FIND SOMEONE TO HELP ME STOP THEM FROM DOING THIS TO ME OR ANYONE AGAIN

Company response to consumer: Closed with explanation