BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: I.C. System, 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: Account status incorrect

Complaint:
In reviewing my credit report I noticed an account in collections with IC Systems ( XXXX ) from services provided by XXXX XXXX XXXX XXXX, years ago. I closed the account with XXXX XXXX XXXX which had been on 'autopay ' every month through a credit card. I returned all the equipment via mail to XXXX XXXX XXXX as directed. The amount in collections is an even {$200.00}. 

Reasons to believe this is not accurate & have it removed from all credit reporting to XXXX and XXXX : - If I was on autopay, how could this ever have had a balance to go unpaid - The even dollar amount is suspicious as these types of services are never an even amount - XXXX XXXX XXXX wo n't speak with me because the account is closed - XXXX XXXX XXXX continues to seek my business, why is this if I was a delinquent customer? 
- This does n't appear on my XXXX report. 

With the reasons above, please have this removed immediately.

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 2018-03-23
Company: CNG FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
got a call from this # XXXX. they told me that my payday loan that I took out in 2012 was send to them and if I don't pay it, I will be arrested. I have this on recording.

they told me that they will serve me and if don't pay by Monday, I will be arrested. first time they told me I owe about {$1800.00} and the 2nd time I called to get the name of the business they told me that they are the company that serve papers and I owe XXXX I asked them to stop contacting my family members but they refused.

I'm very scared because I thought I paid everything I owe few years ago and there was nothing else on my credit.

I called check and go and told them I can payoff the amount today but they told me that they don't have it any longer. i also ask them to email me the information, they said they already have but I couldn't find anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We attempted to reserve a rental on XXXX XXXX. To do this you must give payment information via PayPal. We did as requested and the owner responded immediately stating that the property was book but he had a different property. We declined twice.

Worried that we were getting scammed ... we attempted to cancel our request ... since the property was not available but he still had our payment information. We removed the credit card used from our PayPal account. We received a letter immediately stating that the card was removed and any authorizations made " BEFORE XX/XX/XXXX'' would be permitted. No further charges would be allowed. We did this on the XX/XX/XXXX. Today ... XX/XX/XXXXPayPal charged the credit card. When I called to complain I was told the card was authorized on the XX/XX/XXXXand so it went through.

I would have taken further measures to protect myself from fraud had PayPal informed me that any charges authorized ON or BEFORE the XX/XX/XXXX would be allowed. " BeforeXX/XX/XXXX '' in the financial world is XX/XX/XXXX.

I am now fighting to get my money back and was on hold with PayPal for 55 minutes before I was disconnected. I have screenshots of all of this and can verify what I am saying is 100 % accurate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-07
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Winn Law Group has put a judgement on me and wage garnishment over a XXXX  account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My balance at the beginning of my statement date of XX/XX/XXXX was {$6300.00}. I made ~ {$700.00} in additional purchases and paid {$6900.00} of my {$7000.00} balance. I had a balance at the end of the statement period ( XX/XX/XXXX ) of {$660.00} and was charged {$62.00} in interest. I called Discover to discuss and was told that my interest charges are calculated at the end of the billing cycle and that they are based upon purchases made during the open billing cycle. I was charged interest on purchases that I had already paid off in the same billing cycle. I should have only been charged interest on my closing statement balance of {$660.00}. The woman I spoke to said that i was charged interest based upon an account balance of ~ {$3400.00} which makes even less sense because my balance was either double that or 80 % less than that amount. They are charging me interest on purchases that were paid off in the same billing cycle which is predatory. When I look into previous statements, I am only charged interest on the balance of the credit account when the statement closes. For example, in XX/XX/XXXX-XX/XX/XXXX statement, I had a balance of {$6300.00} on XX/XX/XXXX and was charged {$120.00} in interest. This equates to my annual rate of ~21 % APR. If I do the same assessment of my XX/XX/XXXX - XX/XX/XXXX bill, I was charged {$62.00} on a closing balance of {$660.00} which equates to a ~113 % APR. This is unacceptable. The account representative told me simply that I was incorrect and that interest acrues on balances daily even if those balances are paid off. This is not clearly described anywhere on their website nor does it appear to match with what has happened on my account at any point in the past. I have always been told by Discover that I am only charged interest on the closing account balance at the end of the statement period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Just Talked to Bank manager XXXX she will not reverse these fees and was told to go somewhere else Phone # XXXX XXXX On XX/XX/XXXX mu account became overdrawn by XXXX to date XXXX which is XXXX in bank fees. I would have closed this account prior to this but my Social Security takes 60-90 to transfer to another institution. 
This bank has never paid any NFS checks for me they have the right to make this decision according to their discretion. But to use my Social Security to cover Bank Fees not a check written is going a bit over the top. 
the charges were as followed XX/XX/XXXX XXXX XXXX charge XXXX account was short XXXX XX/XX/XXXX check XXXX returned on XX/XX/XXXX XX/XX/XXXX XXXX NfS Fee XX/XX/XXXX overdraft fee XXXX XX/XX/XXXX to XX/XX/XXXX XXXX charge plus on XX/XX/XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX plus XXXX on XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX total to date XXXX overdrawn .with XXXX service fees. 
Review attached.

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 2019-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Bank of America 's collection agency has been hounding me at least once a week for three months. My XXXX XXXX, XXXX payments were made on time for the full amount required. There was a misentry in my XXXX amount paid when the first harassment started, He insisted that there were insufficient funds in the account. I assured him that there was enough money in the account to cover the amount of the check. He insisted I go to the bank that the check was written and to get a copy and statement showing sufficient fund were available. I did this and got a song and dance from a rep that there was a double entry 15 minutes apart and this caused a problem and that she would straighten it out. The phone calls continue to come to this day. I have been to the bank numerous time and thought I had this straightened out with XXXX the? manager. He said pay XXXX XXXX dollars and all would be well. I did and B of A still is harassing me for late fees and interest. Every time you deal with a different person or division and have to repeat the whole story. The left hand does not know what the right hand is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2019, I was fraudulently charged for products that I didnt authorize the purchase of. The products showed up on my doorstep several days later. When I saw the products on my doorstep, I checked my credit card app to see if I was charged for the products and found that I was. I immediately contacted my credit card company to report it as fraud and locked my card. I get a letter in the mail saying the charges were put back on my card. Then, on XX/XX/19, I get an alert about a purchase adjustment made to my account. The charges were taken back out of my account, and when I contacted capital one, my credit card company, about this, they said that when they spoke to the merchant that allegedly committed the fraud, the merchant told them it was not fraud. I told them when I filed the fraudulent charge that I had evidence if they needed to see it, and was told to keep it in case it is ever asked for. No one ever asked for my side of the story. How can this investigation be completed with only one side being told?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

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 2019-04-05
Company: EQUIFAX, INC.
State: WA
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX/XXXX  partial account number XXXX. ( Please see page 9 of the attached credit report.  ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Financial Business and Consumer Solutions.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was contacted on my cellphone from a company FBCS : FBCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, Pennsylvania XXXX Web Address : www.fbcs-inc.com Left a voicemail initially, saying that I had to re-pay a debt. Called the return number ( XXXX ) and person on opposite end asked for my tel #. Upon providing, he mentioned that the debt was for someone else and not me, and that my name will be removed. I want to make certain that my name is removed, and I want to understand how my name was on this list in the 1st place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: JPMORGAN CHASE & CO.
State: DE
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:
After months of research and speaking to Legal Aid in Delaware and California I have come to discover that I am a victim of Sewer Service from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Aid in CA was 'too busy ' to help me so I am on my own. 
I never was served and this lawsuit is a fraud. 
On XX/XX/XXXX they placed an illegal hold on my Chase Account for {$43.00} and proceeded to steal the {$43.00} from this account on XX/XX/XXXX. 
I am requesting this money be reimbursed since it is an illegal action and I am a victim of Sewer Service. 
I have attached documents showing the hold and the falsified court documents they sent me. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX claim to have served me in XX/XX/XXXX and on XX/XX/XXXX neither happened, so I was actually a victim of Sewer Service twice. 
I have now become aware of what Sewer Service is and I know it is highly illegal. 
What is surprising is that Chase Bank allowed the theft to happen even though I informed them the lawsuit against me was fraudulent. 
I am currently XXXX and have been since XX/XX/XXXX so I am unable to work. I am awaiting a hearing from Social Security which takes at least 600 days to be seen so my case is still pending and I do not collect XXXX at this time. 
I am being victimized and have been haunted by this fraudulent lawsuit and companies for several years now. Please help me resolve this matter and hold the fraudulent companies accountable for their illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Westlake Services, LLC
State: AL
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
InXX/XX/2018 I took out a loan with XXXX XXXX ( through XXXX XXXX ) to pay for dental work that had been recommended to me. I later decided not to pursue treatment with that dental office ; however, with job transition and other matters I forgot about the loan until contacted by Portfolio Recovery Associates. They are seeking the repayment of the {$5900.00}, but I have disputed this amount with them due to my attempts to work with the dental office to secure a refund of the unused loan funds to XXXX XXXX. ( A small amount was used for lab fees, but most was not touched since I did not have the treatments. ) I have sent dispute emails to their disputes address, however they are ignoring the contents of my emails and assuming I am disputing the validity of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've asked for my collections to be verified and have not received anything is over 30 days. You report to my XXXX and XXXX and XXXX a balance of XXXX, that I am unaware of. I have been disputing this account since it appeared on my credit report. Over a year now, when I reached out to the company they advised they would take the new address that I provided and update their system. 

However I believe if they were not able to verify with the address that they have, then it should have been deleted on my credit report not updated. This is not my owed debt and it has caused me to be denied credit. My last attempt was a dispute sent from myself on XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection that reported this is unknown, no notices etc and I DO NOT OWE this company anything. Requesting removal of this ASAP XXXXXXXX XXXX XXXX for {$710.00} false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Midwest Recovery Systems
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 pulled my credit report and came to found a Collection account Whit the name of mid west recovery I have tried talking to them but not getting response I have send my dispute for the bureau and nothing I have also noticed lots of inquiries on my as recant as yesterday which is not mine Please help me get my credit back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Its almost been a year since I first contact Citizens bank to look into this issue. Weeks ago I repeated the process. From the time of the complain until now my girl friend has XXXX  her XXXX  XXXX in the hospital. Despite all these happening Citizens bank has taken no action. I want to plead that Citizens bank should take action on working with me as a victim of a fraud scenario.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XX/XX/2019 I mailed a request to Equifax to put a freeze on my mom 's account. My mom has XXXX XXXX XXXX, and I am her financial power of attorney. 

Per Equifax 's website, I submitted their form Incapacitated Adult Freeze Request Form, as well as a copy of my driver 's license, the POA for mom, her birth certificate, and her social security card, and a letter with my request. I used the address designated on their form ( XXXX XXXX, XXXX, GA XXXX ). I received the postcard confirming their receipt of the documents on XX/XX/XXXX, signed by XXXX XXXX. 

On XX/XX/2019, at approximately XXXX XXXX, I called Equifax to find out the status of the request. I spoke to XXXX who couldn't find the documents in her system. She told me I needed to resend them, that I had used the wrong address. I disputed this, given the postcard. She transferred me to her supervisor, XXXX, who also checked and did not find the forms and suggested I'd sent illegible forms. She said she'd escalate the issue because I was concerned about possible breach of my and my mother 's personally identifiable information. She also said she'd forward my concerns to the Mailing Department so they could handle it. I asked what happens next. She said she'd forward the information for proper handling. I asked for a point of contact to follow up because at this point documents with our PII were missing and I didn't have the credit freeze in place. She said I'd need to talk to her supervisor. She transferred me to XXXX in Consumer Affairs. XXXX sent me a secure link so that I could upload the documents and she could process the freeze. She did this, I uploaded them, and received the freeze notice in the mail dated XX/XX/2019. XXXX also said she'd send my concerns regarding the lost documents and potential breach of our PII to her immediate manager, who would give me a call and let me know what Equifax would do about our lost documents. Our call concluded at approximately XXXX XXXX. It is now XX/XX/XXXX. I have not received a call back from XXXX 's immediate manager. 

Throughout the call on XX/XX/XXXX, XXXX was the only Equifax representative I spoke with who displayed any level of concern that an Equifax employee, XXXX XXXX, acknowledged receipt of my and my mom 's documents with PII but then did not upload them to the system. The casual attitude and lack of responsibility Equifax displayed that day, and through its lack of follow up since, regarding this loss of our information, once it was on their XXXX site, is extremely troubling.

Company response to consumer: Closed with explanation