BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: JPMORGAN CHASE & CO.
State: WA
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:
Chase sent us a Schedule of Unauthorized Transactions form listing a transaction from XXXX in XXXX, WA on XXXX XXXX, XXXX for {$1700.00}. 

This transaction is shown on our bill for XXXX XXXX as taking place for the above amount. 

Why was this transaction allowed to go through and be charged despite being on the Unauthorized Transactions letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2019 I received notice of bill for {$27.00}, they claimed was due. I disputed the bill ( I could find no record of ever charging any to the account number XXXX- XXXX in the name of XXXX. ). The conversation was going nowhere, so I decided to just paid the account and close it ; which I did following their online program ( or so I thought ). The check issued, # XXXX to PayPal Credit  was mailed it on XX/XX/XXXX ; PayPal Credit, XXXX. XXXX XXXX, XXXX, NC XXXX and it was processed at my bank on XX/XX/XXXX. On XX/XX/XXXX I received a notice that I owed {$57.00} for the previously unpaid {$27.00} plus interest and a {$25.00} minimum service fee. I have tried every avenue to correct the situation using and following the instructions on their website. This has involved contacting their collectors by phone, text, email, virtual assistants, and live chat, All live phone conversations ended in a 20-30 hold with a disconnect or simply referring me back to a collector. I have had to wait for return contacts by phone that has never come. Now I have received a bill for {$96.00}. I am XXXX years old and have health issues and can not keep dealing with these individuals, so I am paying the {$96.00} and trying again to close the 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 2019-02-22
Company: Experian Information Solutions Inc.
State: OH
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:
This is a follow up on my complaint : # XXXX. I had complained against Experian. They have asked for proof of incarceration so I am here to provide that. I was XXXX  from XX/XX/XXXX for 13 months, and didn't get out until 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 2019-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Over a series of months I have contacted this company on multiple occasions through certified mail and emails asking them to provide me terms for payment as well as how to pay this debt, they have ignored every form of contact and will not provide me any information on how to settle this debt. They are putting it on my credit report and refusing to give me the information I need to even pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: GA
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:
According to the new law effective XX/XX/XXXX, 2017 public records/tax liens must contain minimum identifying information and be collected at more frequent intervals. A minimum report of Name, Address, and SSN must be included in the Public Record. The tax lien being reported on my credit report does not meet these minimum requirements and should be deleted from my credit report.

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 2019-05-30
Company: Avant Credit Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Avant  in XX/XX/2019 regarding removal of this account from my credit report. Avant responded but as of XX/XX/2019 the account hasnot been removed nor has it been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Synovus Bank
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to pay this account before my due date, but the payment portal they were using got shut down. Then they shut my card off. Then I called them to make the payment and I had to go through all sorts of crazy steps to pay my bill. They called me back, told me I was late, told me to pay my bill early, and assessed a late fee. This was ridiculous, I want my late fee back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
please review the following accounts that appear on my credit report, without any authorization, it is hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is in the disaster area and I was affected by the recent fires in CA. As a result of the disaster and evacuations, my income was affected, which directly affected my plan to reinstate my mortgage. Today I contacted Seterus & applied for a Disaster Forbearance, as well as requested a new reinstatement amount. I accepted the Disaster Forbearance after the representative reviewed it with me. The request was approved by a supervisor. I am waiting to hear back from Seterus regarding the further details of the forbearance and reinstatement amount. Since, there was recently a sale date set within the next 10 days, I would like to be sure that Seterus and the Foreclosure attorney is aware of my Forbearance request.

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 2017-12-20
Company: Midwest Recovery Systems
State: KY
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:
While checking my credit reports I noticed a collection from Midwest Recovery Systems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report. On XXXX XXXX, XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from a credit monitoring system I subscribe to that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In process to buy this house I signed a contract with the builder and paid earnest money directly to him, one of the conditions included in the contract was that I had to go through his preferred lender to get the discounted price. I furnished his lender with all documents required, months later when it was time for closing the lender asked me if I had a cosigner, I provided my cousin XXXX XXXX name as a possible co signer. When both of us arrived at closing attorneys office we were told only XXXX is going to sign the closing documents, he started signing the paper an we were told by the closing attorney at the closing table that my name is in the Trailer Deed and I will be able to refinanced later to transfer the deed to my name. Not knowing what we know now we went through the closing. It was clearly fraud and deceptive lending practice. 
Throughout the financial crisis of XXXX I went through at least 8 lenders asking for loan modification in response what I got was several attempt to foreclose, as a result my cousin and I had to file several bankruptcy case to save our home, by the way most of those lenders have been shut down by the Federal Government for fraud and deceptive lending and CEO of the one those lender was prosecuted and served time in a federal prison. 
After long fight and two failed litigations we finally got a loan modification which raised our payment significantly, it was definitely a set up for failure, but I had no choice but to accept it to save the roof over our head. In XXXX my wife was diagnosed with XXXX XXXX after a major XXXX and XXXX she survived but lost her ability to work, this situation again created yet another financial crisis for me, not to mention current COVID 19 crisis added more trouble to my existing difficult situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/XXXX I sent in numerous letters to XXXX XXXX in regards to inaccurate information reporting on my Equifax credit. This account has been charged off and a payment hasn't been made since XXXX. Equifax is currently reporting 120 day late every month. This is inaccurate information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: I.C. System, 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ny XXXX XXXX  Fraud Victim Assistance Department XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX [ RE : Your Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

AEP AND CREDIT INQUIRIES resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 2019-06-04
Company: Experian Information Solutions Inc.
State: FL
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:
Attached below is proof that XXXX XXXX XXXX XXXX responded to the CFPB complaint and informed that they have contacted the bureaus to have this account and hard inquiries deleted from my credit report. XXXX has denied receiving the request from XXXX XXXX and neglect to delete unauthorized/ fraudulent accounts and hard inquiries disputed from my credit report or not even reviewing these serious matters.

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 2021-08-09
Company: DISCOVER BANK
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 have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I received a call on my phone, with the caller ID as Coinbase. The message that was left said that my account was exposed to suspicious hacking activities. 

So with XXXX in USD of being in my crypto wallet. I emailed coin base now coin base customer services does not have any live people to talk to, its all via email This was the first red flag this I came across, but being nervous about the safety of my funds. I followed the instructions provided on their website. These instructions were to temporary lock the account. 

So, after that I was instructed by a generic email reply, not personal. Evidently, a auto reply that everyone gets from coin base to reset their password and set up a two-step verification. So I did as such, at that time I received another auto reply type of email saying that your account is now being handled by a specialist, allow 4 to 5 business days. 

This was on XX/XX/XXXX and the account still hasnt been unlocked, nor has anyone from coinbase has come back to contact me. I have sent numerous emails, but continue to get the same automated generated reply and no help in unlocking my account, granting me access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX. I have {$430.00} in my account and there is not an option to request a check. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
After a thorough overview of the banking statements I have been charged for monthly maintenance fees, and I have direct deposits over XXXX. 

It was advertised when I started using the product that monthly fees were XXXX if the account had direct deposits totalling more than XXXX. 

On XXXX serve debited XXXX from the account to cover the monthly fee of XXXX with no negative balance. I received an email stating they took the XXXX " instead ''. 

It raised suspicion on fees assessed over my period of time banking with the company and in doing so I have been charged XXXX worth of fees, less other services I've used which charge fees. 

https : //www.serve.com/help/ ( fees chart )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Acceptance Corp is reporting incorrectly on XXXX a collection for the amount of {$12000.00} account number XXXX. ( Please see page 39 of the attached credit report. ) This account is not mine. I do not know who Credit Acceptance Corp is and I do not know how this account got reported to XXXX and ended up on my credit report. This incorrect reporting is harming my credit score. I have contacted XXXX to fix this issue.

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 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 have reached out to this company several times starting XX/XX/2019 until now to remove this account off my credit due to it not being my account. I have not got any sufficient results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor : XXXX XXXX XXXX CELLULAR SALES ) XXXX, XX/XX/XXXX Amount {$78.00} Debt Collector Company : I.C. System, Inc. 

On XXXX XX/XX/2019 denied Service for paid cellphone ( OTHER number was suspended by Registered Owner - not in use ) Account was reactivated After This customer Cancelled Services due to denial of Services to Cellphone paid FOR ( 1 ). XXXX did Not Honor the Contract from XX/XX/2019 XXXX Agents XXXX XXXX XXXX and XXXX XXXX XXXX XXXX claimed No Contract - month-to-month, and due to Denial of Service This Customer Responded in person, as well as * responded to FIRST Collection Agency with a Certified Return Receipt and sent copy to Cellular Sales in XXXX, XXXX CELLPHONE NUMBERS were NOT Registered or in USE by the paying Customer. Identity THEFT was reported, cancelled due to Denial of Service in person - AND XXXX XXXX, manager would NOT correct. In fact, the number USED for a TABLET was Reactivated and in USE AFTER it WAS deactivated - within 15 days. Signed Contract from XX/XX/2019 disappeared - but the Tablet number remained Busy using XXXX XXXX XXXX former owner of our residence for XXXX XXXX. 

XXXX XXXX owes the Customer for paid SERVICE not provided for ( XXXX ) : Customer was DENIED on XXXX XX/XX/2019 yet it was PAID " A month in advance '' - 2 billing schedules. In FACT, on XX/XX/2019, CUSTOMER ( paid in FULL ) and XXXX ADDED Charges and Switched Carrier to Dual with added VPN services. SENT bills to a Unit # 10 - connected to UPS Mailbox in XXXX, XX/XX/XXXX - ( Never REQUESTED Or Registered by Resident and Owner of PROPERTY. IDENTITY THEFT ONLINE.

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 2022-11-18
Company: Mercedes Benz Financial Services
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The loan was pain in full XX/XX/2022. I still have not received my overpayment.

Company response to consumer: Closed with explanation