BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: DISCOVER BANK
State: PA
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:
I received and E-mail from Discover on XX/XX/XXXX at XXXX XXXX   letting me know my card had been declined a charge ( {$64.00} ) for : Payment Protection Services. I at no point have enrolled in this program and the website clearly states that it is completely voluntary. In the last twenty-four months i have been charged roughly {$1200.00}. That is as far back as my statements go. Again, I at no point opted into this program. I called Discover and they said they could only refund me for the past six billing cycles. This is completely criminal. I have discovered charges dating back to XX/XX/XXXX ( {$35.00} ) as their online account only goes back that far. I have been a customer since XXXX and suspect that my charges date back that far. The service costs are {$0.00} for every {$100.00}. This is predatory and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: Store credit 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:
Someone hacked my account yesterday XX/XX/26 at XXXX pm est and bought a {$2700.00} couch. The thieves are trying to send the couch to my home address. 

I immediately called Kohls to report the fraud and cancel my card. Because the order is in fulfillment, they state they can not cancel the order or refund the money today. 

Instead if I receive the couch, just return it or call us to pick it up. 

A XXXX pound ; XXXX foot couch! And then somehow get it returned back to them. 

The supervisor wouldnt even talk to me after being on the phone With 3 departments for 45 min. 

Utterly ridiculous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Incomm Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a vanilla gift card in the amount of {$470.00} from grocery store, XXXX, on XX/XX/2023. On XX/XX/XXXX my giftcard was used and depleted at multiple XXXX stores. I did research and noticed the largest transaction were made at a XXXX in XXXX XXXX, NY. I never attempted to use this card at a physical store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Nelnet, Inc.
State: SC
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:
My loans were transferred from Great Lakes to Nelnet. In over 10 years I have never had any issues with Great Lakes. Since my transfer to Nelnet I have not been able to get in contact with any customer service representative. I have made numerous calls, placed on hold for an hour, only for the call to end. Over the last 2.5 months I have not been able to speak to anyone. My loans with Great Lakes was sent to autopay at {$2200.00} per month. My account was supposed to transfer over my repayment selections. Nelnet is only taking out {$150.00}. Their website does not allow me to make any adjustments to my payment amounts. As a result I have accrued a significant amount of capitalized interest that otherwise could have been avoided if I could simply update my repayment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fro any purpose.

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 2023-11-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV was notified in XXXX that the account did not belong to me. LVNV ( XXXX XXXX was asked for proof that this account was opened by me. 

The only information I received from LVNV ( Resurgent ) regarding this account was the name of the original creditor, account number and that I owed a balance. 

I waited approximately 30 days to allow for further correspondence but it was never received. 

I followed up with LVNV ( Resurgent ) to ask for the status and they advised that the original Supervisor XXXX didn't properly document the dispute and send the necessary documentation. 

A copy of the FTC Identity Theft affidavit was sent to LVNV electronically and was acknowledged by XXXX XXXX. After that acknowledgement, I contacted LVNV to inquire when the account will be closed and the tradeline deleted from the credit bureau. LVNV continued to try to collect on the account despite knowing that it was identity theft.

LVNV has rejected the credit bureaus request to investigate/delete the tradeline. 

As a result of this account, I have been denied my mortgage loan and have suffered monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Toyota motor credit did not respect the gap warranty when I got into an accident. They charge insurance more then what I owed at the time leave me with hardly any money. They never respect the service of there oil change I got oil changed they said I would get oil changes until XXXX miles and that didnt happen they cut service before time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Goodman Frost, PLLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Goodman Frost accessed my consumer report on two different occasions without my authorization violating my consumer rights. 
XXXX XXXX of Goodman Frost has used this information to sue me twice without validating the debt. 
XXXX XXXX also did not provide proof that XXXX XXXX XXXX of XXXX XXXX Michigan retained his or Goodman Frosts services. Who is the real plantiff? 
I spoke with the accounts receivable department at XXXX XXXX and they had sold the debt to a debt collector, and XXXX from XXXX XXXX told me they did not retain XXXX XXXX nor Goodman Frosts services. 
It appears to me they pulled my credit report ( unauthorized as a " lender '' ) on a " fishing '' expedition to see what they could find.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
2nd ATTEMPT- Accounts # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Are Showing a LATE PAYMENT/CLOSED ( can NOT be both ) on my credit report.. 
The Credit bureaus stated my account was properly investigated but how is that possible the date last active is inaccurate, and date last reported is not accurate. This ground for removal ..SO MANY OF MY RIGHTS HAVE BEEN VIOLATED!!!! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation In accordance with the fair credit Reporting act XXXX Account # XXXX XXXXXXXXXXXXXX has violated my rights. 
15 USC 1666B -states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
15 USC 1681 B - permissible purpose of consumer reports 15 USC 1666 - CORRECTION OF BILLING ERRORS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My car was illegally used unauthorized I didn't authorize the transactions I've been trying to dispute and transactions with Bank of America that keep on denying my disputes they're not giving me provisional credit or anything like that

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 2017-07-29
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citi repeatedly calls multiple times a day for collection on XXXX cards. Today alone they have called 3 times between XXXX and XXXX. They called 6 times Friday XX/XX/XXXX 8 times Thursday XX/XX/XXXX It 's been going on like this for months.

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 2023-11-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in into my checking account at Citibank that I got from a lawsuit I filed. Citibank claimed it was a fraudulent check even though they received the funds from XXXX XXXX XXXXXXXX and then closed my account and never sent the money back to the issuing bank so I am unable to access the funds from the check I deposited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Remove XXXX XXXX XXXX XXXX XXXX Ca. XXXX. This is not my 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 explanation
Consumer complaint received 2019-07-30
Company: Delta Management Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was going to school and XXXX XXXX XXXX XXXXe accepted my medical leave withdrawal since I gave XXXX and my baby had to stay in the hospital for several weeks and I was breast feeding. 

I did not go to school that semester or take any student loans or grants and now they are trying to bill me for classes I did not take, and just sent it to a collection company. 

Delta Management Associates , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MA 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 2019-12-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have held accounts for over 20 years at both Chase Bank and XXXX XXXX XXXX Bank ( hereinafter " XXXX '' ). I am a well established, reliable customer of each with no problems in my history. 
On XX/XX/2019, I made a principal payment to my Chase mortgage in the amount of {$40000.00}. My check was drawn on my XXXX checking account, where sufficient funds were on deposit and fully available. Chase applied payment to my mortgage balance and it appeared the transaction was complete and clear. 
However, on XX/XX/2019 XXXX notified me that my check had been returned to Chase unpaid. On XX/XX/2019, Chase notified me the same, and reversed the amount credited to my mortgage account. 
I called XXXX first to ask the reason for the check being returned. After some research, XXXX advised me that the check was returned becauseChase did not endorse it on the back. Through XXXXwebsite I looked at the check image and saw that XXXX was correct : it had not been endorsed by Chase. 
I then called Chase to inquire. The initial representative could not answer my questions, so she passed me to XXXX in the Escalation Unit. It took a long time for XXXX to get back with me, possibly because of holiday season time off. On XX/XX/XXXX, I was finally able to get an answer from one of XXXX 's colleagues, XXXX. XXXX informed me of three things:1. My physical check was destroyed shortly after it was imaged at the bank, so it could not be presented again for payment.2. I would need to present another check to a Chase branch location, or find another way to make payment.3. Chase would not credit my payment as of XX/XX/XXXX, nor would they credit the interest charged on my mortgage for the past month. In other words, I would suffer financial loss for Chase 's mistake. 
Following that conversation, I drove to a local Chase branch to attempt another payment of the {$40000.00}. I asked the teller to make sure this check was endorsed before scanning it. The teller said her training was to NOT endorse checks such as mine, so she could not do so. Knowing that if I were to deposit another check, it would suffer the same treatment, I took my check back and went home. 
My Chase mortgage carries an interest rate of 5 %, so as of XX/XX/XXXX Chase has wrongly charged me approximately {$160.00} in interest. Interest wrongly charged continues to increase each day by approximately {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: NPAS, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i get a call every day - I have spoke several times to stop calling my number if you need please contact me at my phone number - they will NOT stop calling and they call during the day while I am at work

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 2021-03-03
Company: MONEY SOURCE, INC., THE
State: MN
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Nelnet, Inc.
State: WI
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:
how is it fair and impartial to only take in consideration what nelnet is reporting to you In 2014 in XXXX I did not authorize Nelnet department to report my information to the XXXX credit bureau. 
I am claiming Identity theft because this is a business transaction that does not benefit me. 
First I wan na know how experian verified my Account with nelnet department of education. 
as a result of your reinvestigation account was verified in 5 days how is this possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a debit card and put {$400.00} on it. I have been on your web site for 3 hours trying to register my card on you web site!!! Your web site keeps telling me to try again, again and again. I am truly frustated!!!!!! I have NEVER BEEN ON SUCH A XXXX WEB SITE!!!! HELP!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-27
Company: PLS GROUP, INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I bought a money order from PLS Check Cashers of New York, Inc. Money Order XXXX for ( XXXX {$1400.00} ) to pay my rent and It was stolen. When I returned to the store to claim my money back because it was forged, and the information on the money order was altered from XXXX XXXX XXXX to XXXX XXXX. I was told to get an affidavit, which I did on XX/XX/XXXX, and waited the XXXX months I was told the investigation takes. XXXX months later, I was told the documents expired and needed a new affidavit again ; I provided them with a new affidavit on XX/XX/XXXX and a notarized letter explaining what had occurred with the money order. 
At this point, I do not know how to recover the money I lost thanks to their negligence. I am pleading for your support because I need the money right now, and my working hours have been cut to almost 20 hours a week. 

I have called the TV show XXXXXXXX XXXX XXXXXXXX for support, and they have told me to come to you guys for more support. 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After multiple attempts to contact Transworld Systems Inc in XXXX, PA - we then mailed our dispute complaint postmarked XX/XX/19. This was responded to on XX/XX/19 - with irrelevant documents. the claim amount they want to collect is {$730.00}. with the lack of willingness to communicate or provide any requested documentation to the validity of the claim, this seems very fraudulent. you can not just say someone owes you money and then turn them over to collection. you have to show liability of the claim. A repair bill is not proof of liability. How do I know an employee did not damage the car and is blaming me to keep from getting in trouble? that is exactly how this feels.

Company response to consumer: Closed with explanation