BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: Rent Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
HI ABOUT 3 YEARS AGO OR LONGER MY JOB TRANSFER ME TO NEW MEXICO AND I FOUND A APARTMENT CALLED XXXX XXXX   XXXX  I FILLED OUT A APPLICATION AND GOT APPROVE I EXCEED WITH THE DEPOSIT AND FIRST MOTH RENTS THIS WAS ON A FRIDAY LATER THAT WEEKEND ON SUNDAY I GOT NOTICE FROM MY EMPLOYER THAT THEY WERE SENDING ME BACK SO I WENT IN THE OFFICE AND TALKED TO ONE OF THE MANGER AND TOLD HER MY SITUATION ABOUT THE JOB SHE ASKED IF I MOVED IN AT ALL I SAID NO WHICH I HAVENT SHE SAID OK I WOULD FORFIT MY DEPOSIT AND RENT AND ILLJUST HAVE SURENDER THE KEYS I GAVE THEM TO HER SHE WALK OFF THE APARTMENT WITH ME AND I ASKED HER IS THERE ANYTHING ELES I NEED TO DO SHE SAID NO. FAST FORWARD 3 YEARS LATER WHEN I TRYING TO GET APARTMENT I GET DENIED BECAUSE I OWE XXXX DOLLARS OF RENT! SO I CALL THE CREDITOR WHICH THE DEBT IS SENT RENT ROCVER SOLTIONS AND THERE SAYING I OWE XXXX WHICH I DIDNT GET NO LETTER OR CALL FROM THE APARTMENT OR ANYONE SAYING I OWE ANYONE. 
I HAVE TRIED TO CALL THE XXXX BUT THEY ARE REFERING ME TO RENT RECOVER SOLTIONS AND THEY CANT DO ANYTHING ABOUT IT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for TEPSLF in XXXX of XXXX. Seven months later, the Pennsylvania Higher Education Assistance Agency denied my application based on false claims about my income, and refused to explain their evidence or reasoning. In response to my CFPB complaint XXXX, they made blatantly false claims to justify their decision. 

Today ( XX/XX/XXXX XXXX the Department of Education reversed PHEAA 's decision, acknowledged PHEAA 's claimed numbers were incorrect, and has taken my TEPSLF application up for final review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX  XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-29
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am writing to complain that Citi doesn't make prompt payment and negotiation for the opening bonus as stated in their promotion package. I opened an account package in XXXX, XXXX ( with told by the banker for the {$400.00} opening bonus if meet the requirement for maintaining XXXX deposit for at least 60 days ). I met the requirements on XXXX, XXXX and was told that I would be paid within 90 days. After 90 days, I have not received any bonus so I followed up with Citi. They opened an investigation case on XXXX, XXXX and confirmed that I was eligible for the bonus ( See attachments attached ). I communicated with Citi with this investigation result, but up till now I have not received the opening bonus yet. Now, I am writing to claim for my rights : The opening bonus {$400.00} 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 explanation
Consumer complaint received 2022-08-08
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Re : Charles Schwab Banking Checking Accounts ( ALL LOCKED ) : # XXXX : XXXX Current Balance= {$2400.00} Opened on XX/XX/2022 # XXXX : XXXX Current Balance= {$1100.00} Opened on XX/XX/2022 # XXXX : XXXX Current Balance= {$0.00} Opened on XX/XX/2022 Charles Schwab Banking has locked all three of my checking accounts for almost two months now. I have funds in my first two checking accounts and I had full access until the lockout happened shortly after XX/XX/2022, which is the date I had opened my third checking account. Schwab banking required knowledge that I, the customer, had purposely opened all three checking account. I had professed yes to a Schwab banking phone representative who then sent an email request to their fraud department to unlock my accounts. The call was logged on XX/XX/2022. This type of request for resolution happened many more times with my logged phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I'd also walked into a Schwab branch in XXXX XXXX California before and on XX/XX/XXXX and XX/XX/XXXX, where I had provided copies of my California driver 's license and my USA passport. Their in-branch representatives forwarded those copies to their fraud department, requesting for my accounts to be unlocked. I was told by all Schwab representatives that the fraud department can only be contacted by email or mail and there is no other method to contact them by phone, not even by them. I find that very suspicious. I also find suspicious that I have not once been contacted by Schwab banking by phone, by email, nor by letter to notify me of their action of locking my funds in my bank checking accounts that are FDIC protected. It is unacceptable that Charles Schwab Banking has prevented access to my checking account funds for more than eight weeks now. We are USA and not XXXX. And so I formally request a case to be opened to investigate Charles Schwab Banking 's failure to provide their fiduciary obligations to me, their customer, as required by their FDIC certification. Please contact me any time via phone or email if you need further information. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CBC Companies, Inc.
State: OH
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:
Upon checking my credit report I have noticed some addresses that do not belong to me. I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Waypoint Resource Group, LLC
State: IN
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:
Last year on XX/XX/XXXX disputed a couple of marks on my credit report issue that the collection agency agreed to remove due to my XXXX   military XXXX XXXX and getting XXXX overseas, XXXX   and XXXX did not removed my negatives on the picture it shows when I started the dispute on XX/XX/XXXX and the  collection came back to them with results until XX/XX/XXXX they fail to respond to my dispute within 30 days and still didn't removed it they took over the 30 days stipulated by the consumer protection afforded by the FCRA, FCRA Section 611 Part ( A ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
States that I have a mortgage in my name and unsure on whether or not it may possibly be a loan to purchase a home. It's on my credit report and is based from the state of XXXX. I reside in XXXX  and I e had my purse stolen and my purse had my social card my I'd card that was issued in XXXX  when I had turned XXXX and my original birth certificate. I have alot of unauthorized loans and collections that are seriously come to my attention. As of today and the past five years since my purse was stolen I've have had no ID nor able to replace my birth certificate and nor my sec replaced.

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 2021-06-02
Company: Paypal Holdings, Inc
State: NV
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:
I had {$1900.00} taken from my checking account by Venmo from a scam email over 5 weeks ago. Venmo admitted that it was fraudulent and was supposed to send me a check which they never did. I have emails and texts messages from the company admitting the mistake but have not received my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Payroll Card issued from Comdata. I have over {$3000.00} of charges made at XXXX and XXXX and all were unauthorized. I Contacted Comdata and they have refused to provide me the details of the individual charges and will not mark these charges as fraudulent. 
Because the have not provided me the details I can not file a Police report with the specfic dates and amounts charged on the card. I spoke with them on XX/XX/XXXX and attempted to file a claim with Comdata. They have declined my request for a claim and have not been able to answer how a card can be used without Pin number being used at check out. 
I was i possession of my payroll card all the time. How can someone got to XXXX and XXXX make purchased without my card being used. I believe possibly ATM machine use compromised my Account.

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 2020-12-14
Company: ALLY FINANCIAL INC.
State: MD
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:
On XX/XX/2020 an account opened from XXXX  XXXX  XXXX  with an original creditor as GMAC on my XXXX XXXX account for an amount of {$140.00}. As an attempt to figure out where this debt came from I tried searching for the companies address and contact information. After multiple failed attempts via mail, email, and dead end phone calls Ive now decided to reach out for further assistance

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 2018-12-27
Company: CITIBANK, N.A.
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:
The information on this account is wrong and should be removed.

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 2022-02-01
Company: EQUIFAX, INC.
State: MD
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:
to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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, I received notification from XXXX XXXX XXXX that I owed XXXX XXXX XXXX {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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: Public record information inaccurate

Complaint:
I contacted all three Credit Bureau ' advising them that Chapter XXXX bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four SSN. I contacted the Bankruptcy Court in XXXX District of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.

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 2021-06-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells fargo bank has lost there moral compass. I have been dealing with them for 1 year to the day. They are suppose to be getting me outside mitigation and in my eyes there now guilty of fraud. The bank sent a letter today and it states that they are notifying the trustee in a 2013 bankruptcy I had to file because of them putting CPI on my auto loan and causing me to default that if they give me more than XXXX what I have gotten so far they will submit a claim to the trustee to get there money back. FRAUD. Scammers They need to be run out of business.

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 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received an email today XX/XX/2020, from Capital One stating that they have decreased my credit limit from {$10000.00} to {$5000.00} because of my low utilization. I have always made my payments on time and pay off the balance each month. I contacted them to reinstate my original credit amount, and they refused to do it. This is going to negatively effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX  and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX XXXX will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.

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 2020-07-30
Company: Experian Information Solutions Inc.
State: TN
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 received Dispute Results Report # XXXX for XX/XX/20 but Partial Account Number XXXX for XXXX XXXX XXXX still is being Reported as a Derogatory Negative Item ... 

I have Evidence that the Account is Fully Paid ... On Time Payments from Experian ... 

They also are Reporting One Late Payment which is Incorrect and Inaccurate ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
About 2017 I lost everything including my job. I was in the hospital for months. Due to my sickness, I was unable to work months after I got out of the hospital. These companies which I had no relationship start calling and harassing me. They sometimes would call and ask for me and would not make it known who they were.

Company response to consumer: Closed with explanation