BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-25
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took a {$1200.00} internet loan out in XX/XX/XXXX and was set up on 8 month installment loan and when the date became due I called Cash Net USA back to advise my medical conditions going and would not be able to pay. Was told it was okay and they would work something out with me, instead they went into my bank account and withdrew the funds causing a major overdraft on my account so I stopped pay on all payment and ach withdraws. Since that happen Cash Net USA has called me every day XXXX times a day and now they are calling my references and on XX/XX/XXXX they called my son phone and left a message that his name was XXXX XXXX, Legal Counsel and he will come by house on Tuesday, XX/XX/XXXX with court papers claim # XXXX and if I wanted to stop him I would need to call him at XXXX XXXX, and to consider myself as being served. XXXX d/b/a Cash Net USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and my account number is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Company continues to report this account on my Credit file. i have disputed this over and over again, and this Agency continues to violate my FCRA rights by continuing to report this debt that never belonged to me. i have gone ahead and forwarded the necessary evidences of their violations of the FCRA to the Maryland State Attorneys office and will be taking legal actions if this account is not deleted off my credit report in the next 5 days from the receipt of this dispute. I employ CFPB to look extensively at this Company 's violation of the FCRA and to further investigate the operation efficiency of this company in complying with all FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sued my landlord XXXX XXXX XXXX because of fraudulent charges after move out. They wo n't release my security deposit. Before the court date, the landlord sent my " debt '' to a debt collector, Kimball, Tirey and St John LLP. However, I won a judgment at court against XXXX XXXX XXXX XXXX but up to now, the " debt '' is still outstanding on Kimball, Tirey 's website - https : //kimball.virtualcollector.net/. I sent them XXXX letters - debt validation, and a letter with the judgment attached. They still have the supposed debt outstanding on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX was paid by me XXXX for two years. I was told that after the settlements my account would reflect paid in full. On XX/XX/XXXX I noticed Chase Bank and XXXX is still showing a negative result on my credit report as balanced owed after it was paid. I've called Chase and XXXX and I was told that my account hasn't been paid by Chase, and XXXX haven't replied So I called XXXX XXXX and they said it was paid. So I have two companies contradicting each other. XXXX says I owe XXXX and some change. Chase says XXXX. Both have been settled with XXXX XXXX XXXX. I have been denied credit from two different creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The current XXXX XXXX credit card account with a balance of {$16000.00} is in bankruptcy and the debt has been discharged under Chapter XXXX bankruptcy in the United States XXXX XXXX  of Minnesota.

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 2022-04-22
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX to remove the debt from my credit report. It has been paid 6+ months ago and has not come off, even after phone calls to stop reporting. I am purchasing a home and it is directly slowing us down.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: U.S. BANCORP
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Billing Errors Pursuant to XXXX 15 USC 1666 ( b ) Please see attached 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 2022-07-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 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 2016-10-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I signed up in 2014 for a secured credit card and placed {$1000.00} up for colleteral. At that time I was told I would be switched to a unsecured card after 12 months of good payment history.It is now been a little over 2 years and have n't seen any change in that status.I was also told after a banker called the credit card office that it is periodically reviewed.I feel I was lied to on several occasion, being the first, which has been I havent XXXX converted as well I dont see on any of my reports were I have been reviewed by wells fargo for consideration in the unsecured card.I have over outstanding payment history with my bank as a card holder and bank account owner as well.I do feel valued as a true customer and dont being lied too.I do understand they take other things in consideration upon review as well, but the main concern should be my good business with the bank.Why bother putting money into a bank and the bank isnt willing to take a small risk with me as a customer.My report will show I have not had any missed payments on any accounts over 5 years or so and will show a lot of inquiries which arent not mine, but I being penalized for them, not your fault, I do have XXXX open accounts in good standing and a lot closed in good standing as well as good personal loan payments and auto.

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 2022-04-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an online same day delivery order with XXXX XXXX on XX/XX/XXXX for a TV in the amount of {$480.00}. I was home the entire day and I didn't receive the TV as I anticipated, so I called XXXX XXXX the following day to inquire about the status of my package. I was told the package was delivered, however, I expressed to the representative I didn't get it. The representative opened up a claim and told me I'd get a response within 48-72 hours. I waited. Radio silence. I called XXXX XXXX again and I was told the same thing, again, I waited and nothing. 

I then decided to reach out to AMEX and discuss the situation, to which they opened up a claim. I waited for a few weeks to get a response, and I was ultimately awarded the credit. However, the credit was subsequently reversed after a few days. I called AMEX and they explained that the merchant sent over " documentation '' to support their claim. I asked for that documentation to be sent to me and they said I would receive it in a few days. I received it XX/XX/XXXX. All I received from AMEX was an exchange and return policy and a copy of the tracking information, which isn't at all reliable because it doesn't ascertain anything. 

Furthermore, I called AMEX again to have my claim reinvestigated based off that very vague and insignificant information. My claim was reopened again because the representative agreed with my findings. Then I noticed my claim was closed the following day. I called AMEX and asked why my claim was closed : I was told because XXXX XXXX sent over " additional '' information. I asked the representative to specify what it was and she explained that it was allegedly a text exchange between the delivery driver and I. I didn't have any conversation with anyone that day regarding my package, therefore it was completely false and fabricated. The representative even noted that my number didn't appear on the text exchange ( interesting ), so she reopened my case on those bases. The case was closed the following day, yes, again. I called and asked what else can be done and I was told I could write a letter, as I obviously didn't have any additional documentation to support my claim. I wrote the letter on XX/XX/XXXX. ( What documentation would I have for an order I was supposed to receive that didn't arrive? ). Fast forward, on XX/XX/XXXX my case was closed. I exhausted all of my resources at this juncture. This is my last resort.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One is ripping customers off with their so called " promotions ''. They give you a lower interest rate for XXXX or 7 months and if you do not call them they automatically give you the highest rate without advising you and you can go on for months without knowing and paying the highest rate. I know our senior citizens ae serious victims of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: LENDER LIVE
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second complaint on Lender Live. After my first complaint here, Lender Live sold my loan and have failed to send me proper notification. It is now XX/XX/XXXX and I still have no idea who to pay, who my new mortgage company is or any info on my new account. All I know is when I attempted to pay Lender Live on XX/XX/XXXX, I was denied access to my account and was unable to pay. So I then called Lender Live and was told they sold it. After being put on hold for 20 minutes I was seemingly intentionally hung up on. " XXXX '' was the Lender Live " manager '' that I last spoke to after she contacted me concerning my first complaint and so that is who I requested to speak to before I was hung up on. I even left a message for a return call from a manager and once again it went ignored. Lender Live is completely and totally a mismanaged, devious company and their customer service is totally unacceptable. I need to know who my new mortgage company is and how to pay. There needs to be some way to verify who I am paying as well. " XXXX '' needs to call me ASAP!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of a scam. A merchant named XXXX XXXX but advertising themselves as XXXX XXXX Customer Service illegally charged my credit card {$900.00} through a combination of fraud, false information and extortion for getting a refund on tickets cancelled by the airlines. A few days later I discovered I'd been lied to and the transaction itself was a violation of U.S. law. So, I contacted my credit card company ( USAA Federal Savings Bank ) informing them and asking them to do a chargeback. Over the past three months I sent USAA several letters with proof attached and spoke with them twice on the phone. I even sent them a letter I received from the real XXXX XXXX Customer Service stating XXXX XXXX  was not them. The letter further stated XXXX XXXX processed the refund and did not charge the {$900.00} and XXXX XXXX did not have the authority to process a refund and so had nothing to do with it. The only thing XXXX XXXX did was charge my credit card {$900.00} and did nothing more. However, USAA is refusing to reverse the charge saying XXXX XXXX declined their request and falsely stated we cancelled a different flight to cover themselves even though the flight itinerary number on the XXXX XXXX matches the flight itinerary number listed for the flight canceled by the airlines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was the victim of identity theft and someone rented an apartment in my name using my drivers license, but not my social security number the account is actually not in my social security number it is in someone elses number. This account was turned over to a collection agency several years ago. At that time I notified the creditor that I was a victim of identity theft and I also notified them that this account was not even in my social security number, but it was showing on my credit report due to the fact it was linked to my credit report using the address on my driver 's license. I provided a copy of my police report and other information to prove to XXXX XXXX that this was fraud. I also provided the same information to XXXX. The account ended up being taken out of my name by XXXX, now years later the creditor XXXX XXXX has again sent this fraudulent account out to a collection agency to collect even though they know that it is fraudulent. I have again contacted them to make them aware that again this is a fraudulent account and it is reporting against my credit file. XXXX XXXX has refused to remove this fraudulent account from my credit file. It is illegal to knowingly try to collect on an account that you know is fraudulent. I have provided XXXX XXXX the police report and the fraud affidavit yet again and they continue to be uncooperative by continuing to collect on a debt by intimidation that they fully know is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ).

There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have used Venmo successfully since XX/XX/XXXX. A friend sent me {$300.00} on XX/XX/XXXX, and when I tried to transfer it to my bank account, like I always do, Venmo said that my account is suspended. I emailed customer service, called them, attempted the 'chat ' feature from their website, and they said are " reviewing my account '' and will get back to me in 3 weeks, maybe longer. I really need that money, and they do not care. They are holding this money, and will not give it back to the sender, will not give it back to me. I did nothing wrong with Venmo, they just decided to take my money, with zero warning. There is nothing in any terms or agreement that says Venmo will unexpectedly hold any money that someone sends to you, and not let you have it for an unspecified amount of time. It seems like ALOT of other customers are having these problems with Venmo 'freezing ' their accounts and not giving the money back. This company should be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On my TRANSUNION credit report i have XXXX inquiries that do not belong to me nor did i authorize. the 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd one is XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, 3rd is XXXX bank XX/XX/XXXX, 4th one is XX/XX/XXXX & 5th XXXX Mortgage XX/XX/XXXX. THEY REMOVED ONE PREVIOUSLY that was a XXXX bank inquiry but did not removed the others as promised. this is absolutely insane that I have to go threw so much over inquiries, I was told if I did a freeze they would remove my inquiries and did not. Please REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open. 

On my XXXX report I have XXXX inquiries that do not belong to me, The 1St one is XXXX XXXX on XX/XX/XXXX, 2nd One is XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, The3rd one is XXXX XXXX MORTGAGE on XX/XX/XXXX XXXX lease REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open!!!

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 2022-04-22
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ). 
There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.

Company response to consumer: Closed with explanation