BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I initiated 5 disputes that included mulitple unauthized transactions. On XX/XX/2022 I received multiple emails stating no error was found and my disputes were closed. On XX/XX/2022 I contacted Chime customer services and was advised documents would be sent to me. I also provided a police report for my rebuttal to the disputes that were denied. On XX/XX/2022 I received another email advising me that my rebuttal was denied and Chimes decision still stood since I did not provide any additional information which I did. On XX/XX/2022 I again contacted Chime customer service regarding my disputes and was advised to send the police report in again via email and the rebuttal request. On XX/XX/2022 I received an email stating the decision was the same with my error found. I again contacted Chime customer service and was advised I should have received the documents regarding the investigation decision and since I didnt they will put in a request and I should receive them within 10 days. I spoke to a supervisor XXXX that advised me that I would have to wait 10 days for the documents regarding their decision. I was also told by XXXX that I would have to provide additional information in order for my investigations to be reopened. I have provided what I have as well as filed a police report which I am not required to do but the bank requested me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
mysynchrony for XXXX credit card has not taken the amount of {$700.00} off my account when they sent me a letter stating that they investiagated my return, proofed that the company receieved the retured item, and said i would not be charged for the item that they would be removing it,. ive checked the account constantly they dont remove it i contacted support again and again and they keep responding that they will check to see whats going on and have me going thru the whole process again and again everytime i contact them .you guys send me letters saying its at XXXX but you continue to have my account saying 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 monetary relief
Consumer complaint received 2021-08-19
Company: CBC Companies, Inc.
State: CO
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:
XXXX XXXX XXXX posted three hard inquiries on my credit that I did not authorize. I've tried to fix it with XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Kinum, Inc., Indianapolis, IN Branch
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: Account status incorrect

Complaint:
I signed with XXXX XXXX in 2011. At the initial presentation, they make it so that you feel extremely pressured to stay there and eventually sign a contract with them. They dont let you leave to think about the purchase. They tell you once you leave, the offer is not valid. They make you feel like you have to make a decision right then and there without any kind of time to think. I truthfully thought I understood all of the terms because I was going based off of what the representative was stating. Originally, they told me they were taking my old timeshare as part of the new contract, however, that did not happen. The maintenance fees have also continuously increase and that was never presented to me, which would have been necessary in order for me to make a wise financial decision. I feel completely lied to and I know this was absolutely misrepresented to me. I have reached out for over a year in regard to all of these circumstances and have been blatantly ignored. Now instead of assisting me with my already previous concerns, they gave my account an additional two companies- Kinum and XXXX XXXX XXXX XXXX Both of which have ruined my credit rating. XXXX XXXX XXXX is NOT an attorneys office, it is an office who is trying to receive money from me. I have never signed a contract with XXXX XXXX, nor Kinum for that matter. I have requested the original contract to be sent showing that I never gave authorization to XXXX nor Kinum to obtain my information. I had sent a cease and desist letter to both companies and still was contacted afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/XXXX 2017 I met with an insurance agent and we proceeded to sign me up for XXXX forXX/XX/XXXX 2017 as my XXXX started on XX/XX/XXXX 2017. 
From what I was told, XXXX needed to have a credit card on file to bill for a monthly fee next month for {$7.00} for dental insurance. It wasnt dental insurance after all and turned out to be reduced dental fees. I figured this out within a few days and began trying to contact XXXX. I made several phone calls, e-mailed, texted the agent about it ( didnt get a response ) and then cancelled the XXXX insurancebecause no one would talk to me about anything or get back to me as I had been requesting repeatedly. 
That same month, XXXX went on to charge another {$51.00}, {$16.00}, and {$22.00} without my consent. I had already cancelled but they kept charging. When I realized they had charged that I filed a dispute with Capital One. Capital One credit card was been faxed the dispute but refuses pursue it. 
In the mean time, I put a freeze on that card because XXXX wouldnt assure me they wouldnt be charging it in the future. After a few months, Capital One just sent a notice they had reviewed the dispute and were re-charging the card. I requested a written notice of this, what they did on the dispute and what XXXX said. Capital One has sent nothing as of the date of this complaint filing. 
XXXX has continued to try to charge the card and send me stuff in the mail. They sent me a {$13.00} check for a refund on a prescription I paid for. I sent it back to them and told them again not to send me anything as Im not on their insurance. Ive been on a different insurance for two months now and XXXX is still trying to pursue me as a client. 
Capital One has not responded to my inquiries nor the written information Ive sent them. I guess they are just waiting for me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Data Mortgage Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Essex Mortgage stated that they are a debt collector in their letter and by sending me documents that are false and misleading by mail and there is no contract. That is a violation pursuant to 15 USC 1692 e

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have debt collection on my credit report from CERTIFIED SERVICES worth {$500.00} which I am not responsible for due to the fact that I was involve in an incident where I was the victim and needed medical attention back in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-10-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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 contacted Portfolio Recovery Associates LLC about a debt from XXXX XXXXXXXX XXXX about a merchant debt that they say I owe to XXXX. It appears that this company Portfolio has purchased the debt but I have entered into no legal binding contractual agreement with them and they are harassing for {$XXXX} and I DO NOT OWE Them this. 
I have asked them several times to supply me the written SIGNED contractual agreement with them and XXXX showing my signature on any agreement and they WILL not or CAN NOT supply me with that. They simply send me copies of bills or statements and this does not constitute any kind of validation of this debt being mine. Statements and Bills do not show proof of ownership. They recently sent me a letter stating that I do not have a right to challenge their stance and that any written letter to them will be ignored and considered answered already. The burden of proof is on them to show that I am the legal owner of this account that they purchased. Unfortunately they are a 3rd part collection agency that purchase the debt from XXXX but that does not legally give them the right to try to collect from me as I HAVE NO CONTRACT with them. I am DEMANDING proof of ownership, and the only way to show that is to show my signature on an agreement between me and XXXX. SIMPLY sending me copies of bills or statements does not prove your position that the account is mine and that I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Financial Assistance Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
From XXXX onwards I've been calling/writing every month asking for debt validation and verification but has not responded to each request

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account is passed the statue of limitations and it need to be deleted from my account immdeiately and this is extortion because its over the statue of limitations

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 2019-07-09
Company: AG AH LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 I contacted XXXX Arc Home Loans in response to a message I received about my account. I was told that my payment had increased from {$2200.00} to {$2400.00} which is a {$210.00} difference and I was late on my payment. This was alarming as I had made my payment and we had no explanation or understanding of the increase. I was told by the customer service representative that there were insufficient funds in our escrow account, and we would have to make up the difference. She also stated that we are required by law to have an extra escrow payment in our account, which is not accurate information. 

Subsequently, I looked at our final settlement statement and discovered that there should have been a payment of {$3000.00} for our property taxes hazard insurance put into our impound account. I spoke to a XXXX escrow representative that stated she was able to see that only approximately {$700.00} was placed into our  account at closing and that is was, in fact, short. She said she would open a claim to investigate where the missing money went. 

I have also had to take an added step of requesting that my impound account be closed to avoid the increase in payment as I have lost confidence in the lender 's statement that they will reimburse my money when this is resolved. 

Upon reviewing my bill on XX/XX/19, I saw there was a late fee added to the still increased due amount, I called and spoke with another representative that stated our case was resolved and that we received a phone call and message on the XXXX. No phone call or message was received. She also stated that we received a check for {$2600.00} in XX/XX/XXXX and that is where the missing money went. This did not add up to the numbers in our loan documents. We did receive a check for {$2600.00} even and it had previously been explained to us that we would be receiving a cash out payment from the previous impound account with the same lender and we verified at the time that was the roll over check. 

After logging into my online account and viewing my escrow impound account statement, it appears that it started deficient as the money from the settlement statement was not deposited. 

I have also spoken to the title company and they stated the money was dispersed to the lender per the settlement statement. 

When I requested to speak to a manager with the company, I was told there were none available. At this point, I have received no logical explanation as to why the money is not in the account. In addition, I have received contradicting information for each person that I have spoken to and I am greatly concerned that it was marked as resolved without contacting us and with an inaccurate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since I bought my home back in XXXX my FHA monthly payment has been for $ XXXX {$1400.00} including hazards insurance. The differences reflect shortage in escrow. To my surprise in XX/XX/XXXX when I called to have them remove my PMI I found out that my mortgage company removed my Hazards insurance from my mortgage monthly payments without my authorization and I was left without insurance. I called my mortgage every day since I was told, I talked to escrow department, Escalation department, and with the Insurance department. they said I had to pay for my insurance to have them reinstate my insurance into my mortgage and I said no! they have my money that I been putting into escrow and they have my money. Now they paid my insurance and made me sign and agreement to have them put my insurance back into my mortgage, which I find disturbing because they didn't asked me to sign anything to have it removed. so, now my mortgage has increased to {$1500.00} to cover for the insurance they paid to farmers {$1400.00}. This is very unfair, since they removed my PMI I should be paying for my mortgage {$300.00}, so where is the benefit of having my PMI removed. They have my money in escrow to cover for the hazard insurance where is the money. All these years I have never paid no more than {$1400.00} including hazard insurance and taxes. 

Please advice, I have been very stressful trying to settle with my mortgage company and nothing gets done. I need your help and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a FTC report to all of the three credit bureaus regarding fraudulent items on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 56 days so they should be deleted promptly. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
CO-SIGNED A STUDENT LOAN FOR MY DAUGHTER IN XX/XX/XXXX - {$17000.00} STARTED PAYING INTEREST ONLY ON THE LOAN ALSO IN XX/XX/XXXX.

WENT THROUGH A BANKRUPTCY IN XX/XX/XXXX.

IN XX/XX/XXXX-THE STUDENT LOAN WAS PART OF THE BANKRUPTCY BEING PAID THROUGH THEM.

BANKRUPTCY COURT RETURNED IN XX/XX/XXXX SAYING THE LOAN HAD BEEN PAID IN FULL. 
AFTER THE CONCLUSION OF THE BANKRUPTCY, WE RECEIVED A LETTER FROM NAVIENT COMPNAY STATING WE STILL OWED OVER {$7000.00} DOLLARS. 
AFTER TRYING SEVERAL PHONE CALLS, AND SENDING PAPERWORK, THEY STILL JUST STATE WE STILL OWE THE MONEY. WHEN ASKED WHAT INTEREST RATE THEY USE, THERE WAS NO CLEAR ANSWER. ONLY THAT THEY ADD INTEREST DAILY. 
LOOKING OVER THE ACCOUNT HISTORY WE MANAGE TO PRINT FROM THEIR WEB SITE, THEIR INTEREST IS NO BETTER THEN A LOAN SHARK. 
OUR BANKRUPTCY LAWYER WAS NOT HELPFUL, AND THOUGHT THE LOAN WAS PAID OFF AS WELL. 
WE STARTED PAYING THE XXXX BALANCE IN XX/XX/XXXX. 
FOR EVERY 100 DOLLARS THEY SEEM TO TAKE 50 DOLLARS OFF FOR INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Horrible Customer service. Account number on my billing statement was not correct. I waited XXXX minute to get a not accurate payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Merchants' Credit Guide Company
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Merchants Credit Guide Co, reported on XX/XX/2019, to the XXXX credit bureaus that I owed {$930.00}. They claimed it was from XXXX XXXXXXXX XXXX XXXX. For the past three years, I disputed multiple times through each bureau. I also directly contacted the Merchants Credit Guide Co after XXXX XXXXXXXX XXXX confirmed they have no such a record with them. I sent the documents ( copy of my DL, written statement ) the collection agency asked me to email and they never respond back to my calls or emails after that.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account does not belong to me, I spoke to them on the phone and demanded a letter stating balances and assumed responsibility. 

I provided them my E-Mail / Fax / Number.

It is now day 50 and I have yet to receive any information.

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 2019-07-09
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I lost my job in XXXX of XXXX. I was on XXXX  all of XXXX. 
I had major XXXX XXXXXXXX on XX/XX/XXXX. 
Went back on XXXX  XXXX of XXXX. Currently on XXXX. 
Former employer paid out a settlement in XXXX of XXXX. Termination due to physical inability to work. XXXX settlemets are also exempt from a levy. 
On XX/XX/XXXX, XXXX XXXX XXXXXXXX levied {$32000.00} from primary checking account. XXXX XXXX XXXX was represented by Nelson and Kennard Law firm : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, CA XXXX Phone Office ( XXXX ) XXXX Fax ( XXXX ) XXXX. 
I submitted an exemption claim within the allowable time frame. 
My exemptions were : 1 ) Currently on XXXX 2 ) Funds in bank account primarily generated from XXXX insurance. 
3 ) XXXX settlement with former employer 4 ) Financial inability to pay bills, support XXXX young children. 

Nelson and Kennard objected to my exemption claim. They won't return funds to my account at least until matter settled. I am almost at point where XXXX   settlement funds have dried up, will be unable to keep up with bills, support family. 

XXXX XXXX XXXXXXXX Legal Department refuses to have direct communication. 
I know I have met more than enough of the requirements for exemption status. Nelson and Kennard elected to drag this out in the courts. 

I can't explain the physical and emotional distress this has caused. 

I know I accumulated the debt. Circumstances beyond my control put in financial distress. If I could pay off debt I would. For almost 3 decades I did business with XXXX XXXX XXXX, always paying my card bill. They have the records. 

XXXX XXXX XXXX credit card services increased by credit limit by {$30000.00} without a request from me. They did it when I should not have been extending my debts. I can't believe they can randomly do this. 

I am asking for help at a time my family could use the assistance.

Company response to consumer: Closed with explanation