BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: Total Card, Inc.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I have filed bankruptcy ( Ch XXXX ) about a month ago and they are saying they are pressing the following charges : Breach of contract Malicious intent to avoid repayment The account was opened in XX/XX/2016. I am not employed. I also now receive SSI. I made some payments on the account. I didnt purposely stop paying them. The company is saying I signed something stating I will not file bankruptcy. Is that even legal? When I told them they asked for a copy of the order but I am afraid to send it because I don't know if they are legitimate. I told them I filed and that they are violating the bankruptcy laws by continuing to contact me trying to collect on the debt. 

It is a collection agency calling me on their behalf. It sounds like an illegal practice to collect on the debt. Here is the contact info for the collection agency. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: AES/PHEAA
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 status incorrect

Complaint:
I called AES and submitted disputes with all Three bureaus. AES updated late payment reporting on my XXXX but has refused to update my XXXX or XXXX. I have been getting the run around without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: LEXISNEXIS
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX D.O.B-XX/XX/XXXX SSN : XXXX I was denied a Checking account today at XXXX XXXXXXXX XXXX based on false or incorrect information. I have a business and I need to open my business bank account. 
Please send me a XXXX XXXX REPORT ASASP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BTH Management
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.

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 2019-11-12
Company: WELLS FARGO & COMPANY
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2021-10-05
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
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:
The company collections is impacting my credit. 
A dispute was done in XXXX, XX/XX/XXXX {$510.00} Midland funding LLC XX/XX/XXXX ( 3 yrs, 9 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, Coinbase has disabled my account. They asked me to send my identity documents but since have gone completely quiet. I have shared all my identification documents requested but it seems their customer service team has no time. Its been a month since I got their initial request. 

I am unable to reach anyone there. 

I would really appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I ordered a XXXX XXXX from an online company on XX/XX/22. I received a confirmation email confirming the price of {$87.00} with the correct description of the product. Several weeks later a received a tracking number that I never could get to work. Several weeks later I emailed to check the status and was told it was delivered. I filed a dispute with my credit card company explaining the problem and provided all the details. Meanwhile, I get notified that I had something at the Post Office that could not be delivered because there was {$4.00} postage due. I thought it might be the pool equipment so I went to the post office only to discover it was a small plastic mailer envelope with an XXXX warehouse return address. I didnt order the pool equipment part from XXXX and knew it would be in a large box so I paid the postage and opened the envelope to find a low quality pair of white socks. There was no packing slip. I emailed the merchant to see if the socks were sent by them. They asked for a picture of the label and content which I sent and they confirmed that it was an error on their part. At this point, I saw red flags and asked for a full refund. They offered 80 % and later 70 % to cover their costs for shipping! I paid the postage on those socks. Meanwhile, Capital One denied my dispute and told me to work with the company. Ive called Capital One 3 times and reopened the dispute 3 times and keep sending them all the information - photos, emails, website information, invoice and they keep denying stating that I didnt provide everything they asked for. The only think I didnt provide was a letter on company letterhead from a 3rd party stating that the item received could not be used on my pool. Of course a pair of socks can not be mounted to my pool equipment to turn salt water into chlorine and who would I get to write such an stupid statement? Id probably have to pay a pool company or plumbing company to do that and be out even more money. I have it in writing that the merchant admitted fault and would issue a credit. That should be enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
i have received numerous calls even after I have asked XXXX XXXX at XXXX to stop calling. They robo call me on my cell phone as well as my office. The people that I speak to are belligerent and threaten to have me served at work and continue to hang up on when I ask for proof of this debt. This debt has been paid since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am unable to connect my PNC bank account to my XXXX  account. I would like to use XXXX  but the only way I can do so is if PNC bank will allow the connection of my account to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Reference complaint XXXX which has been incorrectly closed. I posted a follow up comment but not sure it will be seen since complaint is closed. 

I have a XXXX MM account with Capital One. On XX/XX/XXXX an unauthorized withdrawal was processed via online banking in amount of {$6500.00}. I contacted Capital one on XX/XX/XXXX so that it could be resolved. On XX/XX/XXXX a deposit was made to the account for {$6500.00} and an interest credit of XXXX cents was deposited on same day. {$6500.00} * 2 % * 1 day / 365 days = XXXX cents ... .so interest for one day. When on the phone on XX/XX/XXXX I confirmed with the customer servicer rep that it was for only one day ... .but the funds were missing from my account for 4 days. I asked why it was not put back in the account effective XX/XX/XXXX when it was removed rather than XX/XX/XXXX and did not get an answer. 

What happens to the interest I should have earned on each day in XX/XX/XXXX when funds were missing from my account? I have called a number of times since XX/XX/XXXX thinking this would be resolved but it has not. on XX/XX/XXXX I received by US Mail a letter saying the XXXX interest was correct and it was properly credited to my account. It says the interest for XX/XX/XXXX - XX/XX/XXXX is  included in the interest amount credited. Clearly it is not. 

I started keeping records of phone calls on XX/XX/XXXX at which time I spoke to XXXX and asked to be escalated to a manager - and then spoke to XXXX. I asked for another escalation and spoke to XXXX - all assured me it would be properly addressed. 

On XX/XX/XXXX I spoke to XXXX and was told an email was sent to me on XX/XX/XXXX but I never received an email from Capital One. I asked to be escalated again and spoke to XXXX. I asked for them to show me the actual calculations to prove that my account was properly handled and have not received anything showing me it was correct ... only info saying it is correct. I asked for a reply in writing - which is the letter received on XX/XX/XXXX. 

So - we are back to square one. No one at Capital One thinks anything wrong has been done but they are not able to document or demonstrate anything substantive proving their case. 

Still waiting ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Multiple credit inquiries for duplicate companies Address and name is not accurate old addresses keep reappearing

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 2018-03-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX BMO Harris paid on my behalf {$2300.00} to XXXX XXXX, for my home loan. This payment was made by mistake, as the XX/XX/XXXX house payment was made XX/XX/XXXX. 
Calling BMO customer service, I was told due to insufficient funds, the payment would be returned to my account XX/XX/XXXX. At this time, I was told the issue was resolved, and no further action was required. 
XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 
A stop payment was issued on my behalf by the XXXX XXXX BMO branch. 

XX/XX/XXXX, the payment was processed again, causing yet another negative balance. 

Recapping : BMO Harris sent money on my behalf 3 times, without my permission, ignoring my request to cease. 

BMO continually put the blame on XXXX XXXX XXXX, though in fact they had nothing to do with the issue. 

19 phone calls to BMO, a total of over 9 hours of time on the phone.

5 phone calls to XXXX for a total of 1 hour.

5 separate days with no money available in my account.

At times, rude treatment, especially from BMO bill pay department. 

Key contacts with BMO XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( no last name ) bill pay manger

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed an account against XXXX XXXX XXXX and their clients XXXX XXXX XXXX to TransUnion because the amount on my credit report is fictitious I was only ordered to pay {$1100.00} XXXX County Magistrate Court to XXXX XXXX XXXX I'm the docket number 2018 - XXXX XXXX I paid the amount directly to the original creditor XXXX XXXX XXXX with the understanding and agreement that they would have my debt deleted from my credit report or removed the amount that showing on my credit report is not accurate as well it is 4 times higher than what the court ordered me to pay and is hurting my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: Diversified Adjustment Service, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In the process of bankruptcy and have told this debt collector to stop contacting me but they call every single day. I told them to contact my lawyer and they STILL call me every single day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: TN
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 begin to notice fraudulent activity on my account in XX/XX/XXXX. I contacted all 3 credit bureaus and have been unsuccessful in resolving these delinquent accounts and collections. XXXX XXXX XXXX {$12000.00} XX/XX/XXXX, XXXX XXXX ( {$1000.00}, {$900.00}, {$700.00} ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( {$1100.00}, {$850.00} ) ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX/XXXX ( {$920.00}, ) ( XX/XX/XXXX ), XXXX XXXX/XXXX  ( {$1300.00} ) ( XX/XX/XXXX ), XXXX XXXXXXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX 's ( {$1000.00} ) ( XX/XX/XXXX ), XXXX ( {$700.00} ) ( XX/XX/XXXX XXXX XXXX XXXX XXXX  {$460.00} ( XX/XX/XXXX ), {$220.00} ( XX/XX/XXXX ), XXXX XXXX {$930.00} ( XX/XX/XXXX ), XXXX   {$270.00} ( XX/XX/XXXX ), XXXX XXXX {$1100.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$120.00} ( XX/XX/XXXX ), XXXX XXXX   {$1300.00} ( XX/XX/XXXX ), XXXX XXXX {$720.00} ( XX/XX/XXXX ), XXXX XXXX XXXX {$870.00} ( XX/XX/XXXX ). 
In addition I have been consistently reaching out to XXXX, Equifax, and XXXX  about the number of accounts that have been paid off as agreed that are still on my account that should be removed as well as inquiries that were not initiated by me. XXXX XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX XXXX {$400.00} ( XX/XX/XXXX ), XXXX XXXX   {$500.00} XX/XX/XXXX, XXXX {$70.00} XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX, I applied for a Capital One credit card online through a XXXX XXXX link. The site indicated a 7-10 day time-frame for a decision. On Wednesday, XX/XX/XXXX, Capital One contacted my son regarding my card application. My son nor his cell phone number were in NO WAY included on my application. My son does not live at my address. They called my son 's phone number to confirm that I had applied for the card. This is a clear invasion on my privacy. 

Before I knew about the call to my son, they called me and asked to me disclose personal information including last four of my SSN over the phone. I do not give out my personal information over the phone. I told them to cancel the application. 

After the call to my son, I called back the number that had called me XXXX. I was told that they the obtain information for various sources and that I was somehow connected to his number. That still did not give them the right to discuss my application with someone else. His number is under my husband 's plan, not mine, so they had to also obtain information on my husband to get my son 's personal cell phone information. We are a private family, and prefer to keep our financial matters private. 

Not sure if this conduct is legal, but definitely not ethical. I will not attempt business with this company in the future, and have a new card with another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have several complaints on file that are marked as closed simply because they accepted the complaint. This is ridiculous. They not only escrow, processed incorrectly charged excess fees but they stole my property. Now post bankruptcy they are calling and harassing me for payments. Ocwen called from XXXX @ XXXX ; XXXX XXXX XX/XX/18. XXXX XXXX said I missed my XX/XX/XXXX payment and I should call XXXX or send payment. 
Federal Law states they can not do this. Now what do I do. I am financially broke!

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 2023-06-14
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2022 XXXX XXXX for Hunter Warfield contacted me via text message, then contacted my mother ( family ) about a payment due for rent when rent payment has been done. And have XXXX contact me first as no notice from them has been given.

Company response to consumer: Closed with explanation