BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery refused to send documentation of original debt : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. XXXX XXXX XXXX  provided no initial communication within the five days of any collection attempts regarding this debt. In addition, XXXX XXXX XXXX has failed to provide any original copies of verification obligating myself to this debt. Since XXXX XXXX XXXX has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
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: Public record information inaccurate

Complaint:
Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX These are all chapter XXXX and chapter XXXX thats being reported fraudulently on my credit report and I have reached out to them on multiple occasions to delete they deleted the names put a zero for balance and never removed from credit file XXXX. XXXX reference numbers XXXX XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Also this is a fraudulent acct I have contracted them about also

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 2021-06-09
Company: EQUIFAX, INC.
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 received two letters ( attached ) in the past 6 months indicating I requested an account with XXXX XXXX. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with Equifax credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Lending Club Corp
State: NJ
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 contacted Lending Club in XXXX to provide them with my new checking account for payment processing. The representative assured me that she changed the checking account on my Lending Club profile and that payments would start drafting from my new account. After almost two months, I realized that all payments were not going through and I was late, with XXXX Dollars in fees, and a late payment reported to credit bureaus. I was never late prior to this incident, and have not been late since, but have ALWAYS had issues with their call center, including unauthorized payment drafting and constant misinformation. Today I spoke to XXXX in Payment processing who refused to provide me her last name. She told me, " rest assured, we had serious issues in our call center but after investigations all representatives were terminated. '' I explained to her that I do not care about her employees, or the health of Lending Club 's operations, but that her admitting of these issues is frightening, as it serves no justice to the customers you've repeatedly taken advantage of. I now have a negative remark following me for the next 7 years. She is now searching for the call because she needs, " proof '' that the representative said she changed my payment account. I have always had the money each month to pay lending club, why would I purposefully not pay my loan and go through months of XXXX between the CFPB, Bureaus, and this erroneous and irresponsible lender while also have {$45.00} dollars in unjust fees and a late remark? Somebody at the CFPB, I am begging you to have mercy and do a diligent investigation into this abusive company. She can not find the call recordings because, like all other business areas, their QA and Call-Center management is sub-par.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app what is the app and my dispute is a girl was over my house I was passed out sleeping she took my phone and locked it and transferred money from my Cash App account onto hers I tried to get my bank involved they told me to go to Cash App cash app tells me to get my bank involved now Im just going back-and-forth with both companies trying to get my money back that was stolen from me Ive been going back-and-forth with them for about a week and a half Street and its not right because I have the date the time of the transaction The girl sent it to her own cash app and multiple other attempts she got away with my total was {$170.00} taken from my account On XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Bull City Financial Solutions, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 i sent a certified letter thru USPS to BullCity Financial Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX requesting validation of an alleged debt in the amount of {$1100.00} that they are reporting on my credit profile. The certified letter was received on XX/XX/2018 at their reception desk per USPS tracking number  XXXX and as of today XX/XX/2018 I have not received the requested information and the derogatory item still remains on my credit report. I have disputed this invalid item several times as it is not my account, and it's erroneous reporting to the Credit Bureau { s }, has a highly negative impact on my personal credit report and is affecting my credit worthiness. I understand that pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }, i have the right to dispute their claim and request validation of the alleged debt. I also understand that under law they have 30 days from receipt of the letter to verify this item, and that failure to do so within the 30-day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Attached is a copy of the letter that i sent to BullCity Financial SolutionXXXX requesting the information that I'm entitled to which I've never received and this along with the inaccurate reporting to my credit file is a direct violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and defamation of character. I am demanding that this negative item be removed and stop reporting to the Credit Bureau { s } immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a Citi checking account in late XX/XX/XXXX. I applied under a bonus ( promo code XXXX ) that was being run for 30,000 XXXX XXXX miles if specific actions were fulfilled. I have used the secure chat function with Citi multiple times and been given answers which were never fulfilled. I will document those answers below and have screenshots of the conversations if ever needed. 

On XXXX, Citi chat representative XXXX informed me that I correctly signed up for the bonus promo code XXXX and ensured I understood the required actions. 

On XX/XX/XXXX, Citi chat representative XXXX confirmed that I had completed all actions as of XX/XX/XXXX and would receive my 30,000 bonus miles on or before XX/XX/XXXX. 

On XXXX, Citi chat representative XXXX again confirmed that I had completed the required actions and should have received the bonus. He opened case # XXXX to be reviewed by a Citi team so that my bonus would be paid. He stated I would receive an emailed response in 1-2 business days which never came. 

On XXXX, Citi chat representative XXXX checked on my case # for an update. She asked me to recheck as she believed the miles would have been input ( but they haven't ). She refused to provide a timeline as to when to expect resolution and stated that the 1-2 days would be after the team was able to investigate the issue. I informed her I would wait another week until filing a CFPB complaint if I didn't hear any response from Citi. 

This complaint is being filed on XXXX which is one month after I was told the bonus miles would be given to me. I have reached out over and over, but Citi has yet to ever contact me in response to the account or specific case #. Citi has not fulfilled their obligations as promoted in promo code 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 2020-05-05
Company: Specialized Loan Servicing Holdings LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had an Insurance claim and the money went to the mortgage company. The work has been completed and inspected. We paid the contractor out of pocket and the mortgage company is not being reasonable in releasing the funds. We have provided everything they have asked for, sometimes submitting the same information twice and they have taken an unreasonable amount of time to release funds. They are very obviously withholding funds and taking longer than necessary to release funds. They have also stated certain things were not submitted correctly or that they weren't received when we can see what was submitted correctly and received right on their website.

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 2018-07-18
Company: Experian Information Solutions Inc.
State: NC
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:
Company still reporting incorrect account from XXXX XXXX  that I do not owe money to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information belongs to someone else

Complaint:
On XX/XX/2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
In early XX/XX/XXXX ( XXXX ) called credit company to inquire about rewards on travel, was told I did not have to book with them ( credit card ) to get any reward credits, just call upon return of trip and a " statement credit '' would be issued, I was given a contact number - it's a general # for travel. Charged other travel items such as bag fees. 
Upon return called ( XX/XX/XXXX ) went through many representatives at card company, last was a Mr. XXXX Was told that my card did not have a travel reward and I would need to take a cash credit which is 1/2 the value of travel rewards. ie XXXX points for travel is {$25.00}, but XXXX points for cash are required for the same {$25.00}. 

I noted that their web site, under my card #, does not say such and a change should be made to make clear to consumers what the deal is. I consider their web site for my card is a bate and switch scam, and at least false advertising, Here is what the site for my specific card says : " Hello, XXXX. 
Choose the rewards that matter most to you Redeem Points Redemption Value Expiring Points Schedule FAQs View Program Rules Redeem your points. 
XXXX points minimum redemption. 

Travel Cover all or part of the cost of a flight, hotel or car rental. 
XXXX points = {$25.00} XXXX points minimum redemption. 

Gift cards Choose from top retailers and restaurants. 
XXXX points = {$25.00} XXXX points minimum redemption. 

Cash Choose a direct deposit, statement credit and more. 
XXXX points = {$25.00} " Representatives have constantly informed me that my card does not have these benefits, or may if I book a trip through them. Why would I pay 50-70 % more through them. 
AS mentioned I called before trip was told I could do such after trip, if I was told NO the complaint would not have been made.

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 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Clarification. This complaint process forced me to select from 1 or 3 options regarding my issue ... but NONE of the options actually reflect my issue. I discovered that for a " period of time '' in XX/XX/2017, transactions appeared on my billing statement, but DO NOT appear in the online transaction details that I downloaded! And I've attached documentation regarding this. I explained this to American Express and they said that they can only see my statement - NOT the transactions details that I can see and download online. This is very, very strange to me. And to be clear, this discrepancy ONLY exists for a short window of time in XX/XX/2017. I've attached transaction details, downloaded directly from americanexpress.com and you'll notice NO TRANSACTIONS between XX/XX/2017 and XX/XX/2017. However, I've attached my American Express statements for this period and you can CLEARLY SEE transactions. I can't get American Express to explain or resolve this ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 I was making a purchase at XXXX XXXX. My Chase debit card was denied. The XXXX XXXX cashier stated they were having a nationwide glitch with all there credit card machines. So she instructed me to try it again, so I did and it declined again so there supervisor came and cancelled the order. i saw that the transactions were pening on my bank acount. XXXX XXXX said they would drop off at the end off the day. I checked the next morning and it had posted to my acount as final purchases. I then contacted my bank and filed a claim with them. I followed up after 2 days and they said it was investigated, and denied. the bank said I would have to go through the comsumer to retreive my money. I contacted XXXX the XXXX XXXX XXXX again, he told me he couldnt do anything because they have no record of recieving any funds from my bank card, because the transactions were cancelled. There were no funds recieved. I then disputed the claim at chase, a few days I followed up and I was told it was denied again. My total bill was {$300.00} I was charging {$100.00}. on my home depot card, so it left amount of # 1 {$220.00} thats with {$20.00} over. it declined, so I ran it again with with no $ over. # 2 {$200.00}. I need some help retrieving my Money. Im getting a run around from both Chase Bank, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2019 I received a notice that my victory secret credit card statement ( comenity bank ) was ready. I paid my balance in full in XX/XX/2019 and made no additional charges. I called immediately after logging in and seeing 2 late charges but now product was bought/ordered. I found out that when I paid my balance in full that it was 1 or 2 days late from the due date and that the it doesn't show up as a late payment until the next months statement comes out. So I had 2 late charges of {$30.00} each plus interest on the late charge. Their policy is to only refund 1 late charge per year. They wouldn't budge on the policy so I asked to pay what I owed ( right then on the phone ) and cancel my card. So they refunded 1 late charge. I paid the late charge and interest on the late charge. I received verbal confirmation that the credit card was closed. I moved and actually changed phone number about 1 month after that. I pulled my credit report and saw now I owe comenity bank over {$200.00}. I called and they said that when I made that payment to close the credit card I was already late and now there is more interest on a late payment that has nothing to with the original balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-12
Company: Experian Information Solutions Inc.
State: NY
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 recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2022-03-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 was given checks for doing work for a side job. Checks were found to be fraud and fake My account. Was closed at chase as a result. Tried to open XXXX  XXXX XXXX account on line I opened and deposited XXXX then received letter they closed account Letter states I may not be able to get a bank account in five years I can not locate the person who gave me the checks I

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Ocwen Financial Corporation
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 information incorrect

Complaint:
Phh Mortgage is claiming that my accounts, i have 2 with them are closed, and in Bankruptcy.. i have never filed for Bankruptcy or plan to, and when i ask for them to give me information on my accounts, their telling me i need my lawyers to contact them if i want any info.. i dont have a lawyer or need a lawyer if my account are in good standing. This is not right if they made a mistake with my accounts they need to fix them, and provide me information why this is happing to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sent in several disputes to the collection agency, and the the company. Was sent to their fraud website to fill out info several times and have still not received any info back. I have had it removed before only to continue to have it back on my credit because someone has used my social security number to open the original account and I was told the only way to remove it permanently was to dispute it on their XXXX XXXX fraud website. Which I have yet to recieve any replies.

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