BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: DISCOVER BANK
State: AL
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 am hoping you can help assist me in recouping my funds from XXXX XXXX / Discover. Please note we never received any product or service from the seller, the order was canceled and the seller was to refund the full amount less the restocking fee. As far as I understand it, the seller never purchased the unit and has stated the refund was returned to Discover and XXXX XXXX shows no transfer back to Discover or to my account. 

We had a 3 way call with Discover and XXXX and at the time Discover had not ruled in any one 's favor. XXXX advised they had ruled in ours, but because we we had a dispute with Discover they were unable to continue the dispute and canceled it. This has been on going since XXXX and we have not been able to get a resolution yet. 

We were told that Discover came to the conclusion on their part XXXX should refund {$200.00} for a restocking fee to seller XXXX XXXX XXXX XXXX and the remainder of {$4400.00} to have a check written to us. Full amount of the payment was {$4600.00}. 

XXXX stated ( Discover rep and myself in a conference call ) that they returned all the money to Discover on XX/XX/XXXX, and they no longer have our money and that Discover has it and needed to disburse it back to the card balance. We were advised that Discover had not received the funds and that XXXX had sent the funds to the Seller. In speaking with the seller they advised their bank is still in deficit the full amount. 

I am attaching documentation from Discover, as well as the conversation between XXXX XXXX XXXX XXXX and I. 

Any help with this would be very much appreciated as we have gone back and forth with all parties involved and can not seem to get a valid resolution and we are paying on something we never received. If you have any questions or need clarification on anything please reach out to me to discuss further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018, I placed a phone call to : The Law Office of Nelson and Kennard XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX This phone call was in reference to a credit card debt from XXXX  XXXX XXXX. My intent was to negotiate a payment plan and to avoid a judgement. I asked a simple question to the floor supervisor who I was on the phone with to try to understand what we were agreeing to : " So, what you're saying is that if I make a payment by Monday ( or I may have said the specific date ) you won't file a judgement? '' The supervisor did everything they could not to give me a direct yes or no answer, she kept waffling. I kept rephrasing my question because I wanted a direct answer, I wanted a yes or no or I wasn ; t going to agree to anything but I remained calm and continued to try to understand by asking questions. The supervisor became disgruntled and started yelling at me over the phone all because I was trying to understand something that she was not giving me a straight answer to. The supervisor was basically be-belittling me by yelling at me repeatedly and saying things like " WHAT PART OF THAT DON'T YOU UNDERSTAND!!!!??? " for me failing to understand her indirect, waffling response. 
By doing this, the supervisor violated the FDCPA 806 ( 5 ). She  repeatedly annoyed me by yelling at me in a be-littling, abusive way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
For no known reason Chase bank decided to close my accounts. I had no non sufficient and direct deposit for my pay check. If I had not gone in to ask what was going on I would not have been able to stop my pay check from being deposited. No one in the bank was able to tell me what was going on or why this was happening. I had accounts with Chase for years and this was done without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
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 was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account. During the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.

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 2018-07-18
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: Information belongs to someone else

Complaint:
THIS ACCOUNT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY CREDIT IMMEDIATELY XXXX XXXX Status Open Balance {$210.00} Type Unknown Payment Status Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a letter XX/XX/2020 from CALVARY SPV 1, LLC XXXX XXXX XXXX. 
The letter stated that unless I contacted the office XXXX and XXXX XXXX. within 30 days of receiving notice that I dispute the validity of this debt or any portion thereof, this office will assume debt is valid. If i notify this office in writing within 30 days after receiving the notice that i dispute the validity of this debt or any portion of it, the office will obtain verification of debt or copy if a judgement and mail copy or verification. This tactic is a deceptive way for CALVARY SPV 1 to restart the debt collection clock. I notified them I disputed the debts validity and asked for proof. I received a letter dated XX/XX/2020 that XXXX and XXXX XXXX. had received and reviewed my letter and now advising you of denial of inaccuracy regarding my account. They included documents that do not establish how debt was assumed or specific to me. I disagree with the accuracy of the information associated with my name. The letter threatens I have been put on notice in big bold letter. CALVALRY takes advantage of unsophisticated person not knowing Consumer Standard. The documents do not support a factual bases for collection of debt. The documents provided are vague and misleading with inaccurate information. There is a failure to make a connection on how the debt can be valid and associated with me. I was not given any information about steps to take if information provided was incorrect. CALVALRY seeks to provide abusive collection tactics threatening YOU ARE PUT ON NOTICE. The claims made my CALVALRY are unfounded and documentation provided does not establish the dent in question to be mine. The letter does not establish a follow up of communication once documents are reviewed. This letter gives me a impression that a lawsuit is going to be issued or they be suing me. They are misleading clients and violate FDCP debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have repeatedly asked wells fargo via fax and email request for copies of documents that have been signed on or around XX/XX/2020 per the email i received from wells fargo. 
I am requesting all copies with my signature from XXXX and the documents that were submitted on or around XX/XX/2020 with my signature as indicated on the email i received. 
Please see images 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 2020-05-12
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX THAT WAS OPEN UP ON XX/XX/2019IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON 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 explanation
Consumer complaint received 2019-03-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back on XX/XX/XXXX, I noticed there was an account on my credit report which I did not recognize. It was a collection to Midland Funding for {$9000.00}. Upon closer examination of the account, it said Midland was collecting a XXXX XXXX Credit Card balance for the aforementioned amount. I have never had a XXXX XXXX Credit Card. 

I disputed the account with the credit bureaus because I was sure this was a case of mistaken identity or the account was on my report accidentally. Once I received my results recently I was surprised to see the bureaus had verified that this debt was mine. I know this is impossible because again I have never had a XXXX XXXX Credit Card. Today I attempt to call Midland Funding directly and try to reach a collector. Once I get to a collector, they tell me that there is an attorney on file. They won't allow me to speak to them unless I send them a letter in writing saying I am revoking the attorney on file. Because I've never had an attorney, and because I've never had a XXXX XXXX, I know this account is not mine. Unfortunately they don't care. I can't even speak to a collector to get to the bottom of this account unless I revoke an attorney who I have never hired. I also don't want to revoke an attorney for the individual this debt does belong to. It might actually mess him up. I am now asking that you help me in this because at this point, short of suing them, I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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:
Equifax is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. I have contacted Equifax three times and showed them the documents from the collection agency and that these documents do not support their claim that this debt belongs to me. Each attempt to work with them has failed. Since I started contact them in 2016 more then 30 days have pass for them to provide anything else or continue to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At the beginning of the COVID crisis, ( in XXXX I believe ) Bank of America ( the credit card carrier ) contacted me and told me my payments were being deferred temporarily. I did not know until 2-3 months later that they were accruing interest as they normally would. I started making payments again immediately. This seems very predatory in the midst of a crisis. I'm sure the terms were in fine print somewhere but I did not ask for assistance. They just sent an email and automatically adjusted my amount due to {$0.00}. I could not even tell what my normal payment would have been if I wanted to keep paying. I accrued hundreds of dollars in interest on debt I would have been paying off.

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 2019-03-19
Company: Radius Global Solutions LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XX/XX/XXXX -XX/XX/XXXX, XXXX closed and every class I took it considered worthless as the school no longer exists..I wasted my time and money. XXXX put this loan in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
My long standing credit card account with Capital One was closed on XX/XX/2020. I called immediately upon receipt of the email notifying me of the cancellation. I called to ask them to reopen it, but they wouldn't. I am simplifying my finances and moving everything to capitol one, but this prevents me from doing so. I tried to reapply for the same card, but was denied. I'm a customer of 8 years, have more than 10k with them, and they won't reconsider their decision. Right now, I have 3 accounts I just setup to auto pay to my credit card, but it won't work because they closed it. I was not notified ahead of time about the account closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Capital Accounts, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an email from " XXXX '' stating that I have a balance of {$7300.00} and is willing to settle for XXXX from a creditor of XXXX XXXX XXXX XXXX I have never had any dental work done, and searching the creditor shows a Kentucky business. I have only spent but a couple of hours in Kentucky at night. Email states that this is an attempt to collect a debt, but nothing about disputing the debt. I did reply same day disputing the debt ; no response has been given. I was given an account number in the email, and going to their website gives me an option to either make a payment, or to see my options. Under options, I put in the account number, as well as my own information, but their system keeps telling me that there is no matching account. Furthermore, the phone number provided in the email ( XXXX ) seems to not be a legit number XXXX XXXX XXXX XXXX ). Additionally, searching " XXXX  phone number '' gives me a phone number of XXXX, which shows a different debt collection company from XXXX. 

I have not received a letter via USPS mail, and as of the time of this complaint, have not heard back from the company. Original email is being held on to, along with my reply

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Paypal chose to suspend my account because they issued a dividend to me on XX/XX/XXXX and then withdrew the dividend on XX/XX/XXXX, so 100 % a paypal error. This was a dividend of {$2.00} so they are showing a negative balance because of their error. I immediately initiated a bank transfer to send them the negative balance, but this takes 3-5 business days. The only option to replenish the funds faster is through an instant transfer which carries a {$3.00} fee. 

Paypal is acting as a predatory institution. All I want is use of my account that is now shut off because of their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For years I have been trying to fix the inaccuracies from FedLoan. I have tried disputing, writing the ceo and complaints. I have never been late. However, there are 5 loans that were closed due to consolidation that have one late payment each. This is hurting my score tremendously! Unfortunately, I was recently denied from XXXX XXXX XXXX  due to the 5 late payments. I am in need of these items to be corrected. The late payments that are showing the accounts were in deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: NATIONWIDE ACCEPTANCE LLC
State: UT
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:
Nationwide is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit file and noticed this reporting on my credit. This account is very old and past the statute of limitations to enforce any debt collection activity in the state of Utah. Not only that, under the FCRA this account is past the credit reporting limit and continuing to report this debt is a violation. Please remove this account from my credit file.

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 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with Bank of America for 20 years. On this date, I had a bank balance of {$260.00}. 3 items were presented for payment, Item 1 was for XXXX, Item 2 was for {$75.00} and item 3 was for {$170.00}. Bank of America processed the {$270.00} item first which overdrew my account and then processed the {$170.00} and then the {$75.00} items which also created an overdrawn bank account. So, Bank of America charged me {$35.00} for each overdraft item or a total of {$100.00}. If they had processed the {$270.00} item last, then my account would have only been overdrawn once ( $ XXXX {$75.00} leaving {$180.00} and then processing the {$170.00} item leaving a balance of {$11.00} and finally processing the {$270.00} item which would overdraw my account ) This scenario would only cause 1 overdraft fee of {$35.00}. When I contacted the bank, they told me that the bank policy is that they process payments high to low. I said they should process low to high. The person told me she could not reverse the charges and when I asked to speak with a manager I was denied that option.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I've had several inquiries added to my report over the last several months that I didn't approve and that I am unaware of. It shows I was a part of a dadt breach from XXXX  and XXXX XXXX. I contacted the police last year because I received a random call from somebody saying I had accounts open In Texas which wasnt true. Now I'm showing inquiries on my report like someone is trying to put something in my name I've also contacted the police again about this they have told me they can not do anything about inquiries because they can't prove anything was actually stolen from me. I've also contacted the credit beureas and transunion and XXXX says they can't do nothing without a police report, but the police said they don't make reports for situations like this. 

The inquiries are XXXX XXXX XXXXXX/XX/XXXX Informative information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Please help me remove these inquiries and further protect my report from this information being exposed. I have not opened any accounts in my name or attempted in the last 2 years.

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