BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: Ascension Point Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my father passed away. I am the official appointed personal representative for the estate. 

On about XX/XX/XXXX, I received a letter from the following collection company attempting to collect a debt : AscensionPoint Recovery Services LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX XXXX I then called the company and spoke with a representative named XXXX XXXX ext. XXXX to find out what this debt was for. I told her that I was the court appointed personal representative. She asked if I was working with a lawyer- I told her that we were, however that as the personal representative she could work with me as our attorney charges {$350.00} per hour and I did not want and did not have to use his services for this particular issue. She then promptly informed me that the debt was for a medical credit card called " XXXX XXXX '' and told me the balance they were seeking. I asked her to mail me an invoice showing a detailed break-down of the charges, which I have yet to receive ( it has been about 2 weeks ) Upon preparing my deceased father 's XX/XX/XXXX tax return today XX/XX/XXXX, I  discovered I needed to find out how much he spent on medical expenses for year XX/XX/XXXX. I knew from the balance on his " XXXX XXXX '' card that he must have put some medical expenses on there that I need to discover in order to complete his tax return. As I have not yet received the statement I requested, I called back to AscensionPoint at approximately XXXX XXXX. 

The representative refused to provide me information saying that " because the estate has an attorney, LEGALLY he can't speak with me and has to have all of my attorney 's information to speak with him '' which I know is absolutely not true and will accrue unnecessary expenses to the estate. 

As a court appointed Personal Representative they are required by law to provide information directly to me, they are under no " legal restrictions '' as the collections agent falsely stated to " only work with my {$350.00} per hour attorney ''. Despite being compelled by law to work with me on this issue, they decided to attempt to bully me into adding additional unnecessary legal costs to my father 's estate to aid themselves in strong-arming me for a collection of debt. ( Which I can't stress enough, is absolutely not called for ) I take issue with their morally reprehensible, illegal, and unnecessary bully tactics to attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: FISERV INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020 Re : Money Network Dispute My money has been out there in outer space for almost 2 months with no resolution as of todays date, XX/XX/2020. However, on XX/XX/2020 when I checked, it at least was in a pending status. Because of the longevity of this hanging matter, Id like you to investigate and let me know how long is it going to be before my money is posted back to my account? {$600.00} is quite a bit of money to be floating around in air space. 
On XX/XX/2020 I transferred {$600.00} to a bank account from my Money Network account and it stated that the transfer would take from 3-4 business days to post to the account. On the 4th business day, XX/XX/2020, I checked the bank account and it had not posted. I called Money Network and was told that the 1st transfer could take from 9-10 business days but thereafter, all bank transfers would be 3-4 business days. 
When the 10 business days had passed, I checked the bank account again and the funds were not there nor was it posted to my Money Network account. So, I called Customer Service and the Rep apologized for the delay and told me that it would be another 9-10 business days, which I didnt understand but I accepted it. Also, I was told that I would be given a {$100.00} credit for the inconvenience bringing my total to {$700.00}. 
After that 9-10 business days had passed with still no money, I called and asked to speak to a Higher-Up so I was connected to the General Manager. After bringing him up to date about the issue, he told me that he couldnt guarantee me the additional {$100.00} but he assured me that my money would be posted to my Money Network account on XX/XX/2020. 
As you can see, as of today, XX/XX/2020, the issue is still not resolved. 
Monday, XX/XX/2020 the account is not in pending status nor has the money been posted to my account. 

Thank You, XXXX XXXX

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 2020-11-17
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Radius Global Solutions. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Radius Global Solution or the company the represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Raidus Global Solution that I am a victim of identity theft and to close this unauthorized account but they decided to ignore 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 2018-02-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was shorted XXXX XXXX points on my XX/XX/2017 statement. 

I emailed Citibank XXXX Rewards Customer Service, but NEVER received a reply. 

On XXXX XX/XX/2017, XXXX XXXX from Citibank stated she would respond within 14 days. She NEVER did ... ... 

I was then told by Citibank to contact XXXX. Again, I never received a reply. 

Please explain why I was shorted on my account by return letter to my account address.

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 2020-09-04
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent RS CLARK ASSOCIATES two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$63.00}. The company has failed to respond to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Enrolled in the free checking bundle with an offer of {$300.00} with the First Citizens Bank. The requirements that were I make 10 debit card transactions within 90 days and I did so. They haven't paid and weren't helpful when I messaged them. I want my bonus offer money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ported my phone number out of XXXX and moved to XXXX XXXX XXXX. I did this the day of my bill being due for the next months cycle. When I called to dispute the {$94.00} bill, a polite female representative from XXXX told me I had a {$94.00} bill due for next month, but she decided she was going to wipe that since It's the day it was due and my number had already been ported out, and in her words said something along the lines of " I'll give you a break ''. I was very thankful. 

That day of I lost access to my XXXX online account, the area where I'd see my bills, pay bills and manage anything I had to do with XXXX. 

4 months later I see a derogatory remark on my credit report that this bill was actually not removed like the XXXX representative, but in fact kept secret from me and sold to a debt collection agency. XXXX made no effort whatsoever to reach out to me to try and charge me for this bill and instead went straight to debt collections, all while I assumed it didn't exist. 

I disputed with XXXX, 2 days later it was removed from my credit report. 
I disputed with XXXX, 4 days later it was removed from my credit report. 
I disputed with XXXX, 14 days later they concluded that the debt was legitimate and will not remove it. 

I've been on calls with Amsher debt collection, XXXX and XXXX wasting hours and hours of time trying to resolve this to no avail at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: NJ
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 am a victim of identity theft, and there is someone else 's information reporting 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 2020-10-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Summary of Paypal Case ID XXXX XX/XX/2020 An online transaction was made for a bicycle through Paypal in the amount of {$70.00}. The transaction I.D with XXXX XXXX was XXXX. 
XX/XX/2020 - A claim for merchandise paid for but not received was made with Paypal, XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX with Case I.D # XXXX assigned. 
XX/XX/2020 A small packet was received from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, California XXXX, containing three miniature plastic dice with tracking number XXXX. Packet weighed slightly over 1 oz. Paypal reached out to seller and seller provided tracking number for the three dice as evidence purchase was delivered. 
XX/XX/2020 Paypal denied my claim based on the shipping tracking number for the three dice provided by seller. 
XX/XX/2020 Paypal reopened the case after I filed a complaint with the Better Business Bureau in XXXX XXXX, California, Complaint Case # XXXX. 
XX/XX/2020 Notified via XXXX  that return of dice to seller with evidence of receipt in form of tracking number would result in my reimbursement. 
XX/XX/2020 Paypal acknowledges receipt of tracking number through XXXX Activity Log. USPS tracking shows dice were received by XXXX XXXX on XX/XX/XXXX, at XXXX a.m. 
XX/XX/2020 Paypal notifies me they are denying claim saying they never received tracking information although they acknowledged receipt on BBB XXXX XXXX. 
XX/XX/2020 XXXX closes their file with case unresolved with consumer. 
I have copies of XXXX  Activity Log, Tracking Number submitted, showing I returned merchandise as requested, USPS Shipping Log showing merchandise was received and picture of small packet with dice. Copies will be attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On  XX/XX/XXXX , I purchases a   XXXX   XXXX   XXXX   through  XXXX , the lender was Ally Financial.  Within three years, the car began stalling while driving. I complained to the dealer many times and they could not find out what was wrong with the car. I returned the car to the dealer in  XX/XX/XXXX  because it was unsafe. I then purchased another vehicle at a high interest rate due to the return of the   XXXX   XXXX  . The   XXXX   XXXX   was sold and the balance is now on my credit report. Due to the lender's failure to comply with Florida law, they are unable to seek a deficiency against me. They are damaging my credit report, credit score and I am unable to purchase a home. They need to remove the negative report from my credit report because they didn't follow Florida law. I notified them of this issue via certified mail and still have not received a response. Attached is the letter that was sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
HAD A LOAN FROM XXXX XXXX XXXX, IN XXXX FELL INTO HARD TIMES EXPLAINED TO THE MERCHANT AND THEY SAID OK AND STARTED A PAYMENT PLAN WHICH 1ST PAYMENT WAS DUE ON XX/XX/XXXX MADE THAT PAYMENT ANOTHER PAYMENT ON XX/XX/XXXX AND SO ON SO ON UNTIL ACCOUNT PAID OFF WELL END OF XXXX MERCHANT CHARGED ACCOUNT DIFFERENT AMOUNT REMIND YOU WE MADE PAYMENTS BY OTHER MEANS WHICH MERCHAT PRODUCED TO THE BANK ARVEST BANK COPIES OF THE RECEIPTS OF FORM OF SEPERATE PAYMENT NOT WITH CHECKING ACCOUNT OR DEBIT ACCOUNT THAT THE LOAN WAS MADE WITH. WHEN MERCHANT ACCEPTED OTHER FORMS OF PAYMENT PER OUR AGREEMENT IT VOIDED OUR ORIGINAL CONTRACT FOR THEM TO TAKE FROM MY ACCOUNT I INFORMED THEM NOT TO TAKE IT FROM MY ACCOUNT AND THEY DID ANYWAY AT THE END OF XXXX.MERCHANT EVEN LEFT VM ABOUT PROMISE TO PAY WHICH I WENT TO BANK SO ARVEST CAN HER THE COMPANY SAYING THAT.SPOKE WITH MANAGER AT MERCHANT AND SHE STD SHE WAS NOT AT WORK THE DAY THEY RAN THRU MY ACCOUNT AND CANT REVERSE IT STATED THAT IT WENT THRU AND ITS NOTHING THEY CAN DO ABOUT IT. DISPUTED IT WITH ARVEST AND THEY DENIED IT AND ITS WRONG BECAUSE I REVOKED AUTH FROM USE OF MY CHECKING ACCOUNT AND SETUP PAY ARRANGEMENTS AND MERCHANT WAS ACCEPTING DIFFERENT FORMS OF PAYMENT

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 2021-02-23
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 information incorrect

Complaint:
XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXXXX Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2020-10-26
Company: EQUIFAX, INC.
State: CA
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:
On XXXX, I wrote Equifax and XXXX  requesting a reinvestigation into the inaccurate items and accounts detailed as follows : 1. Remove all inaccurate names except for XXXX XXXX 2. Remove all inaccurate addresses including XXXX XXXX XXXX. XXXX XXXX XXXX 3. Remove all employers from report because I am self-employed. 
4. Remove XXXX XXXX loan.

5. Remove ALL inquiries including hard and soft.

6. Remove ( 2 ) XXXX XXXX accounts.

7. Remove XXXX On XXXX, I wrote Equifax and XXXX  informing them that I had not yet received a notice that they have begun a reinvestigation into the disputed items and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has charged me over {$200.00} in international fees. These fees were not from an international purchase but through an American exchange ( XXXX ). I have spent hours upon hours dealing with this issue without resolve. The bank keeps on sending me back to the vendor. Please help!

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 2021-04-25
Company: DYNAMIC RECOVERY SERVICES, INC.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/XXXX, I received your response to my request for letter of validation sent XX/XX/XXXX. I requested for Dynamic Recovery Solutions to provide me with Validation of this debt. D.R.S. ignored my request of information validating that this debt belongs to me. I'm respectfully informing Dynamic Recovery Solutions I did not recall owning the allege debt to a XXXX  XXXX XXXX XXXX. Therefore, is the reason on XX/XX/XXXX I requested for them to provide me with specific information validating this debt. Information D.R.S. did not provide me with as requested in the first letter is. 
Provide me with copies of all XXXX Contracts XXXX that show I agreed to pay what you say I owe. 
Prove the limitations has not expired on this account. 
Proof that you are license to collect in the XXXX of New Mexico. 
In addition, considering this to be a medical debt, I do not understand how Dynamic Recovery Solutions obtained a medical Statement of Account showing medical treatment provided to a XXXX XXXX on XX/XX/XXXX with a Description of her services XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX to include the Doctors information without having a valid signed HIPPA release form releasing the medical information to a third party. That document was not sent to me. This is a violation of Health Insurance Potability and Accountability ACT.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My name is XXXX XXXX. I have a few accounts with Chase bank. 
XXXX, XXXX, XXXX. 
I added XXXX XXXX as an authorized user on all my accounts. In XX/XX/XXXX XXXX requested to be removed from my account. I then proceeded and called Chase in XX/XX/XXXX to have him removed. Chase confirmed that they will do so. 
In XX/XX/XXXX Mr. XXXX XXXX informed me that the banks are still on his report and causing him damage. He is about to lose his house due to the account being on his report. He can not refinance his mortgage. POSSIBLE DAMAGES in excess of {$50000.00} if my accounts are not removed from his report asap! 
In XX/XX/XXXX I called Chase and they told me I should fax them and they will promptly remove it. I proceeded and did so ( see attached ) As of today, the account is still not removed. 
XXXX is currently suing me. 
Please have them remove him from my accounts asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I rented an apartment at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I get renters insurance with XXXX Based upon a report from LexisNexis Risk, Reference #, XXXX, XXXX raised my deductible due to a prior loss. It wasn't my prior loss. There was supposedly a theft at the unit and an insurance claim to XXXX 's by a prior tenant. There are several issues. I contacted LexisNexis as per their instructions to get more information and they said they couldn't find any information matching my data. Of course, they couldn't. It wasn't my loss. I made no such insurance report or claim. 
XXXX was able to give me the XXXX XXXX claim number which was on their copy of the LexisNexis report. I contacted XXXX XXXX. The unit wasn't robbed. There was no apartment theft. A prior tenant had a bicycle stolen from the garage. I don't even own a bicycle. Their record about what happened is wrong and it can cause me a loss. XXXX told me as long as the LexisNexis Report shows a theft, there is nothing underwriting can do and I'm on the hook. I need to get this report fixed. I can't even go to another insurance company as long as there is an incorrect public record. I'm going to run into risk rating issues.

Company response to consumer: Closed with explanation