BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/XXXX XXXX I attempted to obtain my account number so I can review the debt. The woman at the company was extremely rude And refused to give it to me. Literally I told her maam you guys are asking me to pay a debt and wont even give me the information on it. She was aggressive and rude. We went back and fourth and they still failed to provide this information. I even hung up to call again to speak to someone else and they transferred me right back her. The calls have become more harassing and overbearing and no one at the company will provide me of the breakdown of debt I owe because EVERYTIME I call they jump straight to and I quote so are you not gon na pay Ill say can I have my account number please and theyll say the same thing. It is a recorded call and can be pulled for record. Ok

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
CheckXXXX N go XXXX XXXX XXXX XXXX is under suspicion of breaching my waiting list position on the section XXXX list, application date : XXXX, conclusion, does not exist on section XXXX waiting list, as of XXXX/XXXX/XXXX, XXXX years later. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX/XXXX. 

Thus, after reviewing some of the past fraud XXXX is involved in, like in XXXX, for example, I am now complaining about HOUSING fraud, check no ONLINE and my position on the section XXXX wsitknbg LIST that never XXXX. 

Thank you XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX and XXXX hospital secretaries unions and even use fedral credit union employee are employees at the lake XXXX check no. 
And also as cashiers at XXXX XXXX Shopping Mall businesses, such as XXXX and XXXX, ETC. with intent to causes screaming and yelling and malfunction double swipe cyber ATM problems There was also truancy issues and juvenile detention arrest recently at LOCAL elementary charter school schools, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today XX/XX/2019 I was looking to buy XXXX XXXX tickets for their game tomorrow. On XXXX, under a XXXX XXXX XXXX XXXX post someone was selling tickets. I messaged the seller and he told me he had 4 tickets to the game for {$50.00}. I told him to drop the price and we got a deal for {$40.00}. This is the first time I used Pay Pal and he helped me send him the money. 5 minutes later he tells me to send him verification and he told me his computer is updating. I asked him to send me the tickets and he blocked me. To check if he was a scammer I opened a new fake XXXX under a differnt name and I asked him for 7 tickets and he told me he had that amount. He was very aggressive and wanted the money as soon as possible. On my personal XXXX account however, he blocked me and I was not able to send him messages. Off my fake account, I was able to send him messages. I contacted Pay Pal and they told me to file a report here. I tried contacting the receiver of my {$40.00} but he never responded.Attached below are all my documents. The pictures that are taken from the computer are from my actual account. I will also attach my transaction with my Pay Pal. The screenshots are my fake account trying to get in contact with him to prove that he was a scammer. I am really disappointed in the security of Pay Pal. My email for Paypal is XXXX. My phone number associated with this account is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've requested proof a check issued on or around XX/XX/XXXX from Capital One was received and cashed by myself, the amount of which is XXXX. To date, I've received information showing a XXXX XXXX intercepted check, forged my name, cashed check at a XXXX XXXX XXXX in her name. This information shows funds received by this other party, not myself. On the morning of XX/XX/XXXX, I left for vacation around XXXX XXXX, a XXXX XXXX picked me up and drove me to XXXX XXXX. The check, which is a replacement for a prior one which had a stop payment on it, was intercepted by a XXXX XXXX on the following day.. Capital One has information which appears entirely circumstantial, does not link me to receipt of funds. Further, they fail to provide a mailing address to send a notice of small claim suit. I understand they use a third party for such notices but failed to provide address which has been requested numerous times. They provide a website to visit, which is not the information requested, I believe they are withholding the information, knowing they do not have any direct proof I cashed check/received funds. The proof they provided shows again, a XXXX XXXX received and cashed check, deposited it to a XXXX XXXX XXXX while I was away. I left for XXXX XXXX on XX/XX/XXXX, was there until XXXX, did not receive check and or cash it. Capital One claims they do not have a signature card on file, as most banks require.. However, if they check signature on both checks, one issued on XX/XX/XXXX and second one on XX/XX/XXXX, they will see signatures are different from another. The check received on XX/XX/XXXX, was cashed by myself, deposited to my XXXX account. This check had a stop payment placed on it, funds not received. The second check in question, which was intercepted, has a forged signature on it ... I request copies of both checks for my own signature expert to view, I also request Capital One have their own expert review them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I attempted to make a purchase from XXXX using Klarna. Klarna initially asked for a {$48.00} down payment but then I was declined from using Klarna Klarna declined me. I then use the same debit card to purchase the item in full. Klarna still has charged me the down payment. I have been charged {$48.00}. The charge was first pending and I contacted Klarna on XX/XX/XXXX and was told the charge was pending it will be released but now on XX/XX/XXXX I have been completely charged {$48.00} by Klarna it is no longer pending the charge has completed XXXX is not assisting me saying that it is showing pending in their system although I have sent them a screenshot of my bank statement. I do not even have any pending purchases in the app for Klarna

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: TD BANK US HOLDING COMPANY
State: FL
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 had a TD Business Visa card. I canceled it on Monday XX/XX/XXXX. Prior to this I received a letter in XXXX stating that they have been trying to call me to no avail. ( I have received 3 more letters like this ) I was on vacation and there was no message on my telephone upon return. I look on line to see my balance and wonder what they're calling about because I really don't use the card and was planning to cancel it. To my amazement there are charges of almost $ 50K on the card including on XX/XX/XXXX payment reversal of {$27000.00}, on XXXX {$30000.00} payment reversal XXXX payment received, XXXX payment received XXXX XXXX {$3200.00} and another charge for {$950.00}. and list goes on. I called the fraud department immediately and no one seemed to be too concerned. They said someone would get back to me in 24-48 hours. I called after 24 hours and they said 24-48 hours didn't mean days it meant business working hours 3-6 days. Then they asked me if I wanted a new card. I said no I needed to get this resolved. They said they couldn't do anything because they couldn't verify who I was and that I needed to go into a branch. They then said that they just issued 7 new cards ( This was a business account ). I went crazy and ran down to the branch. The customer service rep at the bank could not believe they sent me there and I had her call the fraud line and she couldn't believe what they were telling us. I asked that they cancel all cards and put a freeze on the account ( which they had told me they had done when I called twice before ) as long a I would get something in writing. Today I receive two letters one dated XX/XX/XXXX that said account closed and cut up card but I am still responsible for account balance and future charges. The other letter I received today ( XX/XX/XXXX ) says that I agreed to use the TD Credit card in compliance with ... Unfortunately they're revoking my charging privileges effective immediately for failure to comply.Signed by a senior vice president and then it says this is an attempt to collect a debt. Please help me. My husband and I are upstanding members of the community with a FICO of over 800. The last thing I remeber doing is requesting a credit which I received and when I wanted to cancel they mentioned that I had points and I should use them before I cancel the card. 
Another strange thing happened. I received a call from XXXX asking if I had requested a credit card be delivered to a XXXX XXXX in XXXX XXXX Florida. I said why would I do that? The person said that was why she was calling. Shocked I didn't ask for name incident number. I asked what credit card it was and she said she could not tell me and she would notify the issuer. I do not know if this was ever done, which card was it also part of the scam?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-24
Company: Experian Information Solutions 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:
I am a victim of identity fraud

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 2018-09-24
Company: EQUIFAX, INC.
State: FL
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:
Please require Equifax to delete the items from my credit report, as Equifax has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Equifax has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Equifax has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Equifax still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the Equifax Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that Equifax uphold their obligation to delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing Midland Credit Management also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. 

Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. 

Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I tried calling my loan servicer " LoanCare '' - A service link company. I had previously asked them via request on their website to provide me records of my XXXX interest forms for XXXX and XXXX. They advised I needed to go to the old servicers and ask the previous servicers to provide those statements. This was misinformation as the previous servicers ( XXXX, XXXX, XXXX ) advised that all record of my account was purged and all documentation was migrated to the new servicer. 
I called LoanCare and advised them of this on XX/XX/XXXX and they advised me to submit another online request. I asked to speak to a manager and was put on hold for 15 minutes. After that hold, I was told a manger was not available and would call me back. 
No one ever called back. 
On XX/XX/XXXX I called and spoke with a manager XXXX XXXX. I advised of my situation and she advised that I would have to reach out to the prior servicers. I advised that I had tried that to no avail, and that as my current servicer, it was their responsibility to service all aspects of my loan, including providing me with historical documentation such as XXXX   forms. I advised I was getting frustrated and would file a complaint with the CFPB. After I mentioned I might file a formal complaint, she advised her team could research and track down the prior XXXX for me from the other servicers and that I should expect a response within 5-7 business days. 
I didnt bother asking why they all of the sudden where willing to help me when I mentioned that I would file a complaint to the CFPB. 
If they had the ability to do this the entire time, why couldnt they just have helped me from the start? 
I spoke with XXXX XXXX on the 7th business day. She was helpful to the best of her ability, but it seemed like she did not quite know when the request would be completed I advised I would follow up on XX/XX/XXXX and then did so. 
I again spoke with XXXX XXXX on XX/XX/XXXX that they were waiting on prior servicers to deliver the forms to them, but was unable to answer when that would be completed. 
I'm in desperate need of my XXXX forms so I can file my taxes, but LoanCare/other prior servicers seem to be unwilling/unable to work with me to provide those forms. 
I would like to note, I think this is an issue with the overall servicers ability to complete my request. XXXX specifically has been as helpful and willing to assist as anyone could expect her to be. 
I am now asking for CFPB intervention in hopes to finally get the documentation I need. 
Please help. 
Additionally, if possible, I am requesting that my loan be service transferred outside of the service link family of servicers to a more organized, more ready to assist servicer. 
Please feel free to reach out 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 2021-02-26
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONVERGENT OUTSOURCING is attempting to collect a debt from XXXX XXXX in the amount of {$4500.00}. This account was handled with XXXX back in 2018 when I first noticed the Debt. all appropriate fraud paperwork and investigations were handled at that time. A police report was submitted as well.. This account is no longer associated with me legally!!

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 2020-11-30
Company: Experian Information Solutions Inc.
State: FL
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:
Disputed items on XX/XX/2020 had no response from bureau. submitted disputes again XX/XX/2020 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 2018-09-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a Citibank credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with Mr. XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.

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 2018-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, Chase has closed two of my credit cards. 

I have built a good relationship with chase. I honestly don't think I did something wrong to get it closed. I have XXXX credit score, few points away from excellent, never missed a payment, and paid all of my debt on the following month. 

I called the chase about 3 times to get it re-open, and they said it is permanently closed, and there is nothing that they can do about it. 

I really need these two cards, because as a full-time student, that 2 % of reward is significant for me. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my consumer report and I've notice several fraudulent inquiries reporting on my profile The following inquiries are Fraudulent TRANSUNION : XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX card Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX card Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX 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