BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX contacted me by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX telling me that I owe {$1000.00} to XXXX XXXX XXXX. I do not owe this, as I settled the matter with XXXX on XX/XX/XXXX in a mutually agreed settlement. I provided XXXX XXXX XXXX with proof of XXXX XXXX acceptance of the settlement on XX/XX/XXXX in response to their first collection letter and explained to them that no debt exists. They have ignored this and continue to bill me. The only thing they have sent me besides letters demanding payment is an irrelevant copy of a patient agreement with XXXX from before the settlement. 

The Fair Debt Collection Practices Act forbids attempting to collect a debt that is not valid. In this case, XXXX XXXX XXXX knows ( or should know ) that there is no valid debt. I have provided proof that there is no valid debt, and they do not dispute my evidence, but they continue to send letters demanding payment, in violation of the Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the last five years a company called Conduent has been taking my Federal and State tax refunds towards student loans from XXXX. I have been struggling to resolve this since XXXX. Not a penny from my tax refunds from the last five years which exceeds over {$7000.00} has been reported or applied to the loans. This company continues to take take take. All numbers to contact them are disconnected. On my credit report theyre showing as XXXX XXXX and XXXX with XXXX as the debt collector. When I contact XXXX they tell me I need to go through the servicer whom is Conduent this is a complete scam! I didnt even receive any money for those loans back in XXXX and didnt attend that college course yet Im still being billed for it in XXXX. 

XXXX shows XX/XX/XXXX - Loan Amount {$870.00} disbursed amount {$470.00} cancelled amount {$400.00} outstanding principal {$640.00} outstanding interest {$49.00} XX/XX/XXXX - Loan Amount {$4000.00} disbursed amount {$2600.00} cancelled amount {$1300.00} outstanding principal {$2700.00} outstanding interest {$120.00} XX/XX/XXXX - Loan Amount {$2600.00} disbursed amount {$1700.00} cancelled amount {$870.00} outstanding principal {$1700.00} outstanding interest {$75.00} On my credit report XX/XX/XXXX - XXXX XXXX XXXX {$3800.00} Opened XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$2300.00} Opened - XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX {$760.00} Opened - XX/XX/XXXX My tax refunds taken by Federal Owed Student Loans XX/XX/XXXX - Taken from my refund {$1300.00} XX/XX/XXXX - Taken from my refund {$1900.00} XX/XX/XXXX - Taken from my refund {$2100.00} XX/XX/XXXX - Taken from my refund {$1800.00} Money taken from my State Refund towards federal owed Student Loans XX/XX/XXXX - Taken from my State {$240.00} XX/XX/XXXX - Taken from my State {$350.00} XX/XX/XXXX - Taken from my State {$440.00} XX/XX/XXXX - Taken from my State {$610.00} I havent received a tax refund in over 4 years. All debts keep going to some Federal Student Loan but not being applied to any of the debts! All numbers are  disconnected or not in service to try contacting the servicer! I am at a complete loss and feel violated that the government would allow this to happen and not allow a XXXX XXXX to be able to contact and speak to someone about the money being taken or even researched. This is unacceptable for a debt from XXXX to carry on this long and have no solution but for me to constantly be harassed by an invisible company that takes my hard earned money with no communication, certified emails or letters. I want the loans to be washed away and I want the money refunded back that is owed to me for the thousands of dollars extra that have been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions 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:
Ive disputed this account several time and submitted the corespondance from said company stating they were removing the account from the bureaus, XXXX  and XXXX  have already removed it yet Experian refuses to follow suite

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 2020-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had credit cards with Chase at least since XX/XX/XXXX ( 3 yrs, 7 mos ). However, unexpectedly and without explanation Chase closed both of my credit cards earlier this month ; XX/XX/XXXX. I called and received no explanation. I visited the branch today and received no explanation. Just that a letter had been mailed weeks ago. Nothing has been received and no reason has been given. I have never been late or over the limit on these credit cards. I used at least on of those on a monthly basis. This is poor service and bad reflection of a company as big and important as Chase. It affects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. 
Case No, XXXX ). As part of the settlement, XXXX has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through Transunion, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. 

Attached is the approved class settlement action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: SYNCHRONY FINANCIAL
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Have a paypal account with purchases to default to my checking account I just received a statement that shows changes to pay pal credit and a late fee. 
I did not authorize these charges to my pay pal credit account. 
When I call the customer service number no person is ever available to talk to you you just get an automated system to make payments. 
They really have no dispute process just a pay process. I need a person from pay pal credit to communicate with me on this disputed matter. As a result of their stonewalling they are charging exorbitant late fees to my account on charges I did not authorize them to make.

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 2017-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My wife and I have just had a Bankruptcy Chapter XXXX discharged, we attempted to get a used car loan from 2 local ( XXXX ) XXXX dealerships, 1 in XXXX, CA ( Capital One Auto Finance offered a rate of 19.99 % a {$1000.00} down on X/XX/2017. We did n't go that route. 

My second attempt was on the SAME DAY with the XXXX dealership in XXXX, CA XXXX they came back with an interest rate of 26 %, plus {$1600.00} down per XXXX XXXX at the XXXX dealership ( XXXX ) XXXX. 

This is EXTORTION at its BEST without the XXXX ... In America, what the XXXX going on in our Country. I am a Veteran who ran into a difficult period financial, work, suffering through a mild XXXX and now a Bankruptcy. This is what this Country come too!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a complaint with the CFPB -Experian has responded that United Revenue STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm United Revenue- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and handicapped this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing regarding the inappropriate manner in which Home Depot Credit Card services ( Citi Bank ) reduced my credit limit by {$1900.00} without any notice ( from {$6900.00} to {$5000.

00} ). The surprising part of the whole thing is that the credit limit as per my latest HD monthly stateme
nt is {$6900.00}. It is only on checking with the credit bureaus did I learn that my credit limit was reduced to {$5000.00}. On calling the card services I was told that this action was taken due to inactivity on my card. Neither was I aware of any such condition nor was I informed before taking such an action.

When I spoke with the the customer service agent that I wanted to escalate the issue, he was very rude and impersonal in saying that there will be no change in decision and that I have no other choice. I felt like I was at the mercy of Citi and had no choice.

I have been a Home Depot member for the last 4 years. However, I am shocked at the way my credit limit has been reduced for no valid reason. This has adversely affected my credit history/ score. 
As my requests were not being dealt in a correct manner, I reached out all the way to the CEO, XXXX XXXX. I was contacted by his office only to be read out a disclaimer in the credit card agreement that they have the right to reduce the credit limit when there is no activity on the account. I argued that a fine print can not be a reason to take this action. They should have contacted me before doing any such thing. But the representative refused to hear me out. He blatantly said that they will not do anything and hung up on me. 
I request that this matter be investigated to reinstate my credit limit to {$6900.00}.

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 2018-01-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hi I initiated a balance transfer from my HSBC credit card on XX/XX/XXXX for {$4500.00}, with the intent of transferring the money to another card of mine with XXXX XXXX. It is not XX/XX/XXXX. 

The {$4500.00} balance has yet to show up on the XXXX XXXX card. My complaint is twofold : 1. I  have repeatedly called HSBC for clarity and received no response. I have a Premier Relationship Manager who has not helped. I see this as my only alternative. 
2. I am being charged interest on my HSBC credit card for the balance transfer, but am not receiving the interest reduction on my XXXX. With no clarity on when the transfer will occur ( i have been told multiple time frames ), I do not know when I will get the benefit on my XXXX. Delay in applying the balance transfer is a misrepresentation and dishonest ( and hopefully illegal ). 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am a Bank of America customer. On XX/XX/XXXX, I attempted to make a Bank of America credit card payment via using the online mobile app. The transaction typically is visible under account activity quickly. I did not see any evidence of the payment going through. I waited until the next day and checked my account activity again. I still did not see any evidence of the transaction. I thought maybe I made an error so I attempted to make the credit card payment again on XX/XX/XXXX via the online mobile app. Again, I did not see evidence of the transaction in my account history. I waited a while to see if the account activity would update indicting the transaction.Still no evidence. I then called Bank of America to assist ; as I did not want to be charged a late fee since the payment was not showing. I spoke with a customer service representative on XX/XX/XXXX and explained the difficulties I was experiencing. She stated that my checking account did not indicate any credit card payment for {$180.00} having occurred. I asked her to please double check because I did not want additional payments being withdrawn from my checking account to the credit card. She stated there were n't any but she would assist and take a payment by phone. The {$180.00} payment was then made by phone from checking to the credit card. I then reviewed my checking account via the mobile app on XX/XX/XXXX and saw that 3 separate payments for {$180.00} were withdrawn from my checking account on XX/XX/XXXX and XX/XX/XXXX, totaling {$540.00}. I attempted to call Bank of America to question and rectify the situation on XX/XX/XXXX but the office was closed. I called again on XX/XX/XXXX in the XXXX to have the problem rectified. I was on hold for 45 minutes. While I waited, my husband attempted calling from his phone. A customer service representative answered his call after being on hold for 5 minutes. I then explained the duplicate withdrawals from my checking to the agent. She stated she would connect me to the bill pay department and credit card department to rectify. I spoke with both departments. The credit card department said that they would refund the 2 additional payments to my checking account in 2-5 days. This is unacceptablea that my funds will not go into my account for 2-5 days. Additionally, they informed me that the system does not update on Sundays therefore the earliest I would be able to see if my funds were transferred back would be on Tuesday XX/XX/XXXX. Unacceptable - my money should be refunded sooner rather then later.

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 2019-10-14
Company: BBVA FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I began with {$100.00} in BBVA savings and {$0.00} in checking. I transferred the {$100.00} from savings to checking on XX/XX/19 and my " available balance '' and " posted balance '' for the checking account instantly showed {$100.00}. Seeing that the funds were available, I then initiated a {$100.00} withdrawal using my XXXX brokerage account for the next day. 

On XXXX/XXXX/19, I was charged a {$38.00} " NSF '' fee by BBVA : " INSUFFICIENT FUNDS-RETURNED ITEM ''. I sent an inquiry about the fee saying that the funds were shown to be available but my request for a refund was denied. I sent another message about the misleading " available balance '' and " posted balance '' shown on the site but the representative did not provide an answer for my situation. 

On XXXX/XXXX/19, I transferred {$20.00} from checking to savings and back to verify that the transfers are instant. The " available '' and " posted '' balances are updated immediately and there no indication that the transaction is pending or not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are. 

We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX. 

This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally. 

These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a 3rd party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.

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