BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Square Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
To whom it may concern, on XX/XX/21, I attempted to sends funds to my brother XXXX XXXX using the CashApp. I attempted to send 3 payments of {$500.00}, {$500.00}, and {$8.00} totaling {$1000.00}. However, my recipient, my brother never received the funds. I made several attempts to contact CashApp Support to recover these funds and received several emails as well as having several phone contacts with CashSupport personnel. All efforts to have my funds refunded have failed. Therefore, I filed a dispute claim with my financial institution, XXXX XXXX XXXX XXXX fraud department on XX/XX/21. My dispute case was denied on XXXX as this was considered a person-to-person transaction. I have attached the dispute denial letter I received today from my financial institution. I have repeated contacted CashSupport to rectify this matter and have followed all directions requested of me by the XXXX personnel. My most recent contact was today, XX/XX/21 and was told that their records show that the recipient had received payments despite having discussed this matter with my brother as recent as XX/XX/21. My brother vehemently denied that he had received payments from CaspApp. The CashSupport personnel agreed with my brother and stated that the payments may have been sent to XXXX, which I thought was ridiculous. The following are the many emails I received from Cash Support along with my response to those emails. I have also included a snapshot of the CashApp on my phone. Your assistance with this matter is appreciated. 
Mahalo XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My room mate and I keep getting debt collection calls from XXXX XXXX XXXX from this phone number XXXX  XXXX XXXX  XXXX. The problem is that they do not identify whom they are trying to reach. If my room mate or I have or are expecting an important phone call we let each other know about it. They do leave a message that states they are debt collectors but neither my room mate or I have any outstanding or over due accounts. There is nor has never been any mention of who they are trying to contact or for what purpose. I just want these phone calls to stop. I refuse to call back anyone that will not identify who they are trying to contact, and believe these calls are bogus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Complete Credit Solutions, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This account was opened XX/XX/XXXX.. I paid what I borrowed XXXX t interest 123.4 % total XXXX or more and this company posted this to my credit report on XX/XX/XXXX saying I ole XXXX and states is was opened XX/XX/XXXX! This is invalid information and needs to be removed of my credit report.. I tried to contact them several times for proof and no one has followed up with my request.

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 2018-06-26
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was advised that IC systems has reported a disputed bill to the credit bureaus without validating and adjusting the bill to the correct amount. 

In XX/XX/2018, I received a call from IC Systems on behalf of XXXX. I advised the rep that the bill was incorrect and needed to be adjusted to reflect the amounts paid for cellphones. I was told by the rep that she would look into it. However, the phone was disconnected and I heard nothing else from the company. 

On the evening of XX/XX/2018. I received a letter from XXXX, before I had a chance to respond, I received a phone call from IC Systems on XX/XX/2018 advising me that although the bill is inaccurate, it was reported to the credit bureaus. 

I asked why I hadnt heard anything else from them regarding my initial dispute or otherwise and was told that theyve called me but its against their company policy to leave a voicemail and that my dispute was not honored because they didnt receive it in writing. 

I advised the rep that I never received their contact information, not by letter or phone and was under the impression it was handled by XXXX since thats who Ive been working with since the last call I received in XX/XX/XXXX. I was told that it is my responsibility to get their information and to validate the debt. I proceeded by asking for an email address to send a complaint and follow up dispute and was guided to their website.

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 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes, Transunion has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2018-10-12
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
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:
A supposed law firm has been repeatedly calling me. They say they are from Citibank a company I have never opened and account with or one associated with it. everyday from am until pm I receive phone calls from XXXX, CT phone number XXXX. There message reads this message is intended for -- -- -- -- -- my first name and last from in house processing division. I received an order for you it looks like pending matter unfortunately because I haven't been able to reach you I will be pursuing you at your place of employment. and your case number is XXXX press if you want to speak to a representative or contact us at XXXX. So when I call it they tell me their name is XXXX from inhouse processing for Citibank and I owe XXXX from an account I supposedly opened in 2012. I never did nor did anyone trying to steal my identity because I moniter my credit has never been inquired or hit by any card or loan or mortgage by Citibank. I ask there address the company they are calling from they just say in house law firm and XXXX and when I state I have never had an account or card affiliated with Citibank they tell me I will be arrested and good luck in court in front of a judge and hang up. they have called my brothers house and repeatedly called my mothers residence threatening her they will arrest me. I called Citibank and mortgage they cant find anything related to me or my social security number. my mother had to change her phone number due to the threatening calls this is just not acceptable or right If there is anything you can do to help please do. thank you I have never received one piece of paperwork from these people EVER!!! not in mail in person only threatening phone calls.they have also called from XXXX are code and more.

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 2018-04-13
Company: Capital Recovery Systems, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital recovery has called my home number at Least 100 times trying to collect a debt from someone who used to have my number. I have requested them to stop and they keep calling and calling. I have no idea who they are calling for and I have no bad debts. 
their number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XX/XX/XXXX statement balance on my Chase Amazon Prime visa card statement balance was {$6400.00}. On XX/XX/XXXX of XXXX, I had a credit in the amount of {$210.00} from XXXX XXXX and on XX/XX/XXXX of XXXX, I had a credit in the amount of {$7.00} from Home Depot. Based on these transaction the outstanding balance on my XXXX XXXX statement was $ XXXX $ XXXX {$7.00} = {$6200.00}. My payment that was due on XX/XX/XXXX of XXXX was in the amount of {$6400.00}, an excess payment of {$210.00}. Despite this, Chase charged me an interest fee in the amount of {$56.00} with the reason that I was short of my payment in the amount of {$10.00}. I spoke to 3 representatives, two of who were not able access my transactions. The 3rd saw the issue and said she couldn't give my the money back, despite acknowledging that I had made an over payment in reality. On asking to be connected to a supervisor, I was connect to a supervisor from Missouri, his name was XXXX. He was extremely arrogant and didn't try to understand the issue and refused to make any accomodation. When I asked him where I could further escalate this issue, he told me he is the end and there is nobody else who could do anything about this. He has all the power. 

I find this extremely wrong and perhaps even illegal that they could make these late charges and interest charges without considerations to the credits that were made on the account. I would appreciate your looking into this and helping me out with this situaiton. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX debt was paid in full to original creditor XX/XX/XXXX. I was told by original creditor debt would be removed within 30 days by TSI collection agency on two occasions by phone in XX/XX/XXXX and XX/XX/XXXX. Received collection notice debt paid in full with a XXXX  balance from TSI transworld systems XX/XX/XXXX. Account is still reporting on all three credit reports after being told it would be removed in XX/XX/XXXX it is now XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Unpaid collection on my credit report from 2018. I am a victim a few times over with identity theft. There is a breech in nearly everything. I have no record of this account and have tried deleting it directly with the companies. I do have active cards with the card company that I do use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Shellpoint Partners, LLC
State: IL
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:
My account was transferred to XXXX XXXX on XX/XX/XXXX. There was a issue with the payment amount listed on my account in relation to my escrow analysis report. A new report was requested and the payment amount was adjusted. After sparking to multiple representatives from XXXX XXXX I was told to make the payment of the lower amount that my new escrow analysis report displayed. I did as instructed but had to file a complaint with CFPB because proper account adjustments were not made by XXXX XXXX. XXXX XXXX responded to the complaint and acknowledged their mistake and accepted the amounts, applied credits and informed me that the only amount due was the XXXX XXXX, XXXX payment. Furthermore I was told by a XXXX XXXX supervisor that the RESPA rules protected me for 60 days from the date the account was transferred over, to help the consumer with situations that may occur during transitions like these. Therefore I would have been protected until XXXX XXXX, XXXX and would not be in danger of negative reporting until 30 days after that date or XXXX XXXX, XXXX. My payemtn was paid on XXXX XXXX, XXXX and XXXX XXXX still reported my account 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: HW Holding, Inc
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently opened this account on XX/XX/2018 and only made 4-5 transactions. Yesterday I try to log into my account to see if my daughters child support came in so I can pay my bills and only to find Citibank put a block on my account. I spoke to two representatives, first one told me he couldnt see the issue. The second one told me that he could see the block on the account and spoke to the fraud department only to tell me they are closing my account because of my tax check wasnt endorsed correctly even though they released the funds days ago and sent no warning or notice of the closing of my account. After that I asked to speak to a manager at this point she was giving me less information than the previous representative. Telling me she wont tell me why they are closing my account even though I was told it was a check I deposited. This now is causing me to pay my rent late and the rest of my utilities may be cut off. I havent even had the account for more than 3 weeks but am being told because of my recent activity being the first time I used the card to pay bills. Unprofessional. Inconvenient. And Criminal.

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 2018-04-13
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been paying online to XXXX XXXX XXXX XXXX for 2 years. My balance was {$890.00} it is now {$210.00}. My payment history shows I have established ongoing payments for over 2 years. 

I was turned over to collections. It was reported XX/XX/2018 It has negatively impacted my credit and it is very alarming to us who are struggling to make ends meet and want to pay our debt. Why would a company do this? 

They call constantly call me and I tell them I am paying and have been paying every month. 
I got to where I just hung up on them when they called. I can't pay anymore than what I am doing. Why can't they just leave me alone. The money they waste calling me is not smart. They can see if they do nothing they are going to get the balance paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
capitol one or XXXX XXXX wrongfully sued me for another companies debt. XXXX XXXX a former busineess checks used to bounce and i 'm just a employee. accountant did not deposit money into accounts for checks to clear. if a job or business is responsible for paying the employees.employees should not be held responsible for bounced checks or fees. owners should be sued and accountants. XXXX XXXX XXXX XXXX XXXX XXXX embezzled money did not deposit accounts and opened up businesses illegally. XXXX XXXX embezzled over a million dollars from XXXX XXXX Alone. I had no idea about this debt and is a business debt not a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I disputed a XXXX XXXX XXXX  account and a XXXX XXXX XXXX credit account on my Experian credit report that is in violation of 15 U.S. Code 1681a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The loan and credit account use my social security card to extend credit which falls under the definition of credit card by truth and lending. Experian sent me and email on XX/XX/2021 saying that the account was updated when nothing was changed.

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 2020-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX {$960.00}. I have called and called and today I was hung up on without any resolution.

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 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Investigation took more than 30 days

Complaint:
I bought the new car XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ XXXX.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.

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