BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently opened an account with chime and everything was fine until my second deposit. I had recently received my credit card and activated it that morning, that afternoon I got an email saying final steps and more information was needed. I started following the steps in the email and stopped half way through. Then I got an email saying there was a log in to my account from XXXX. I reside in XXXX XXXX, I immediately changed my password and while I was changing it I got an email saying I had transferred {$1000.00} to some email address I had never seen. I finally logged into my account and saw this transaction and immediately called customer service. The first representative said no money had moved from my account ( all of this happened in less than XXXX minutes ) I asked her to cancel the transaction and she did not, she began to ask me questions that I had already answered and filled a dispute instead of canceling the transaction. I was then told I have to wait 20 days to even get a credit. I sent in supporting documents showing the email I received and also the log in from the unknown device. I was contacted in less than XXXX hours and told my claim was denied. I called back and asked for a supervisor who showed no concern or empathy at all and was told well we can open a rebuttal but if you send in the same information theyll close it in an hour. I was livid at this point but I submitted the full timeline of emails showing where there was a log in and transfer done while I was trying to resecure my account. I asked did they get my documents previously and no one could answer the question. It would take me 20 days just to get a credit but they take less than XXXX to deny me. Looking at complaints from this company this is an ongoing issue with accounts being hacked and people having issues getting their hard earned money back. I thought switching here would be beneficial to me but I have more of a headache then Ive had with any other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called my mortgage servicing company to as what they are offering as far as forbearance plans because I am a XXXX XXXXXXXX and wanted to be informed and inform my clients. The company, New Rez, under Shellpoint Mortgage Servicing, told me someone would call me back. They never called. Instead, I got a letter stating that I was now in a forbearance plan and did not need to pay my mortgage payment. I called them to clarify that I did not need the plan, I just wanted to get information. They apologized and even said that they would file a complaint on my behalf for the misunderstanding. After a few confusing letters contradicting each other, I called them back again on XX/XX/XXXX. They reassured me that I was not in a forbearance plan and that nothing would be reported to the credit bureaus. On XX/XX/XXXX, today, a change was made to my credit report stating that my mortgage was " affected by natural disaster ''. This is exactly what I did not want to happen. I never agreed to any terms of a forbearance plan, verbaly or otherwise. I payed my payment on time, every time. I even pay a {$100.00} more per month to bring my principle down faster. The companies website is https : //www.shellpointmtg.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLAND FUNDING LLC and XXXX XXXX has erroneous been reporting a fraudulent debt in my name. I was able to find the police reports in regards to this matter. It was hard to find after our house flooded we lost most documentation. The detective emailed me a copy of the police report information. 

Police Report ( Case Number- XXXX-XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, Department of Edu XXXX XXXX XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX XXXX XXXX are both past 7 year reporting.

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 2019-08-27
Company: Eastern Asset Services LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I started receiving numerous calls from this EAS ( EASTERN ASSET SERVICES ) attempting to collected on a {$300.00} payday loan which I borrowed back in XX/XX/2018, I Informed EAS that this debt was discharged through bankruptcy back in XX/XX/2018 and the representative threatened too file criminal charges for fraud stating I wrote a bad check & its a crime too dismiss this debt through bankruptcy & it would be in my best interest to pay EAS IMMEDIATELY So I did I pay them {$350.00} which immediately after I payed them I felt robbed because I knew this debt was discharged with my bankruptcy but I didnt want to have any problems or my credit score affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have submitted two times and have waited so long to get credits put back in my credit card account thru Bluebird Amex. The total is {$250.00} dollars. I have submitted all my documentation showing why i should be credited back my money. I keep getting the run around my I believe agents that are not working my case properly and collect all documents to show these are fraudulent merchants. There are 3 different merchants.! from XXXX XXXX dated XX/XX/2020 for {$160.00} and they person who sold it to me also dated XX/XX/2020 Justfly XXXX for {$53.00} which was there fee. I was suppose to fly out to XXXX for a family matter and I was ready to go until I got a message stating that residents from California, Texas, Arizona and etc were not allowed to go into Illinois due to COVID 19 are we were high risk states. I don't know why the airlines and travel agent allowed people to purchase tickets I'm sure they knew before we knew. Now I called and emailed trying to get thru to someone to refund me because I don't feel i should have to p [ ay for something i cant use. I never heard from anyone so i placed a dispute thru my credit card company Bluebird Amex. I have submitted this so many times and they keep dropping the ball. I also placed a order for a pet bed for my dog and that merchant flip flopped on me as well and never sent the bed out and i asked to cancel the order and refund me. They never did. This merchant I ordered for was thru XXXX and i have reported them as a fraud merchant thru XXXX but I also submitted them to bluebird to dispute the transaction showing them I did everything to resolve it myself this merchant goes by the name XXXX ( XXXX ) and that is in the amount of {$36.00} on XX/XX/2020. I have all my documents showing what's transpired and I'm really not getting anywhere with Amex bluebird. I need help. I'm not working and to be out {$250.00} today is not easy especially with merchants who are taking advantage of COVID 19. I need help to resolve this and get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to access my account. Unable to reset password. Spent 45 minutes on hold. The representative would not verify my account. The information requested was directly form the credit card or bank account. Asked ridiculous questions about prior loans or balances that no one would be able to answer as they were so vague or open ended. Representative 's English was poor and almost unable to understand her. My data was reportedly involved in THEIR breach and then they treat me this way. Shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had the Citi Sears card since 1995. I have been a responsible cardmember paying my balance off and on time. As it is a Sears branded card, I believed I was earning Shop Your Way Rewards Points. When I log onto my Citi account the Shop Your Way logo is everywhere. When I went into my Sears  Shop Your Way account ( separate website ), I was shocked to see I had {$0.00} in rewards. I called Citi and found out I was in the Thank You rewards program. I have never heard of this program. I asked what were my rewards and they said {$0.00}. There is NO mention of the Thank you rewards program on my account when I log in or on any of my statements. I use my card so I would expect I would have a decent amount of points. Citi only offered to link my card to my Sears Shop Your Way account and I would earn points prospectively. They would not give me any rewards points even for the current statement. So for the years of spending on a Sears branded card where I believed I was earning Shop Your Way points, I have NOTHING! Not one reward point. I feel I was taken advantage of and misled. I should have a decent amount of points. This is extremely disappointing.

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 2021-09-18
Company: Experian Information Solutions Inc.
State: MO
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:
The following inquiries were placed on my credit report without my authorization : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-09-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has been violating consumer rights by misrepresenting a debt. They have now kept me from accessing my credit report and thereby denying me access to my papers. they are still reporting on me without permission

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 2017-11-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This was back in 2009, but it still bothers me until today. I had a credit card with Wells Fargo bank and did not have a job at the time to pay it off. I received over 5 calls everyday, sometimes right after each other and was threatened over the phone that the police was contacted regarding my outstanding credit card debt and that they plan on issuing a warrant for my arrest. I lived with the harassing phone calls for 3 months until I got a job and started paying the credit card debt I owed. Even though this is over 8 years ago. I still feel traumatized to this day in regards to the phone call and Wells Fargo as a bank. I believe they were extremely unprofessional and at that time I did n't know their actions were illegal until after I paid my entire credit card debt. The amounbt I owed originally was around {$700.00}, but with late fees, overdraft fees, and interest I paid around {$2000.00}.

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 2021-03-31
Company: PNC Bank N.A.
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: Old information reappears or never goes away

Complaint:
The account never had any late payments. PNC Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: RentDebt Automated Collections, LLC
State: TX
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:
I had a written agreement with XXXX XXXX XXXX in XXXX, TX to pay a re-letting fee once COVID was over. The agreement was initiated in XXXX of 2020, and the agreement was for us to " touch base '' after the pandemic ended. I never received anything else from the in regards to the debt. No one ever " touched base '' with me, or tried to reach out to me for the debt before just sending it to collections. I never had a problem repaying the debt. The apartment manager told me to " not worry at all about the payments right now '', due to the pandemic. I have attached supporting documentation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have previously informed XXXX that I have never done business with them. XXXX XXXX  removed the account from my credit file and now XXXX XXXX has sold an account in my name to JEFFERSON CAPITAL SYSTEMS. The XXXX XXXX account was opened as a result of this identity theft. I am attaching letters from other companies regarding my identity theft issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: TX
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:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2021-09-18
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I, the consumer, am authorizing XXXX XXXX XXXX and their representatives to dispute on my behalf as well. Complaints have not gone through because they are not recognized as an authorized representative. I give them permission to work on my behalf.

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 2018-09-13
Company: Credit Karma, LLC
State: NY
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:
The Inquiry was taken place on XX/XX/2018 a credit reporting app called Credit Karma. The company that is called XXXX had done a unauthorized/unknown hard inquiry about my credit. In the description of XXXX  was XXXX XXXX XXXX. I called the bank through the inquiry line and they said contact credit karma. Credit Karma has no contact number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, CA XXXX Attn : CBNA XXXX, TX XXXX To whom it may concern, I been trying to reach this CBNA to inquire about a hard inquiry reported to me on XX/XX/2020 from my Identity Protection Program. I am alerted to any credit pulled by my service and was shocked to see this lower my current FICO score. 
I have not authorized my credit to be checked/pulled. 

I am not able to get a hold of anyone on the phone. 

Please help remove this from my credit report. 

I thank you for your assistance on this matter. 

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 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX  continue to call my mother and leaving her messages about filling a complaint agaisnt me, I have never rcvd a call from them. The first time i spoke to them they advised that i had an account with capital one for cc for {$900.00} with interest is going to {$2200.00} from year XXXX put could make a payment over phone for {$1300.00} to settle out of court. I advise that i have never rcvd any documentation on this account ever, then she when to saying that she would wait til end of day to submit on XX/XX/XXXX. the calls continue to my mother the following week reach out to them on XX/XX/XXXX they provided me with the company name of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, the kept threatening with taking me to court and the she would have an office serve me with document i did request to have the phone calls stop to my mother then XXXX become irritated and getting an attitude with me that i ended the call, they advised to contact capital one which i did the only info capital one provided me was a cc for {$400.00} that was sold to different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021 I was making a purchase for lawn furniture in the amount of {$79.00}. I was paying for it via my PayPal account. As soon as I select purchase I notice the company was charging me an additional {$1000.00}. I immediately reached out to PayPal on the same day. They advised that it wouldve investigated. I thought it was taken care of until the funds left my account on XX/XX/2021 in the amount of {$1000.00}. This depleted my entire balance in my checking account and part of my savings. I immediately contacted PayPal again on XX/XX/2021 in which they advised they were still trying to reach out to the company. I advised PayPal I needed my funds immediately. I had bills to pay. I reached out again on XX/XX/2021 to PayPal checking on the status and was advised that this was still being investigated and give it a couple more days. I followed up again on XX/XX/2021 at this point I was advised that I would be given provisional credit in the amount of {$1000.00} while the case was being investigated. On XX/XX/2021 I received the funds in my checking account. On XX/XX/2021 I receive an email from PayPal indicating the investigation is done. As a result I owe the retailer and they will be taking the funds out of my account. This is absurd. I thought PayPal was to protect consumers. I dont even have this merchandise. This has to be against the law.

Company response to consumer: Closed with monetary relief