BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I missed my XXXX, 2018 payment of {$41.00}. Had XXXX down for 3 weeks my fault. received XXXX, 2018 bill stating I owed {$120.00} this included over limit fee I would I incurred because of their charges. Called in XXXX, 2018 and set up Special Program no over limit fee I paid {$82.00} today XXXX, 2018 they say I still owe {$83.00} and XXXX, 2018 {$83.00}. I missed one payment that I am paying an extra {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX is still reporting on TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is participating in fraud with XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on 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 2017-10-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
No longer able to receive personal type of payments XXXX free, family and friends ) via both of my paypal accounts. 

Company refused to provide justification or allow an appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been living at my residence for almost 30 years. Over the last XXXX or so years, many mortgage companies have been involved in my home loan as they sell it to other companies. A number of years ago, the present company XXXX, informed me that my I now owed almost {$500000.00}. I had thought it was around {$350000.00}. They never gave me a complete explanation for this increase. As I was struggling to pay the monthly mortgage, I contested it but they did not respond. 
The present value of my house is around {$560000.00}. 
I am 72 years of age, self employed and want to stay in my residence. 
I would appreciate your investigating this situation and informing me of the correct amount I presently owe on my home. 

Thank you very much for your help XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My fiance 's parents received what appears to be a collection notice from an organization called Nemo 's Investigations and Collections ( NIC ) for a debt of {$90.00} plus interest, dated XXXX/2019, via USPS at their residence. The date of receipt is uncertain ; this notice was delivered sometime before XXXX/2019. 

While I do stay there with my partner and our XXXX son on occasion, I do not receive mail there nor have I counted it as a residence at any time. 

The notice contains no mention of the original creditor or any other identifying information that correlates it with any money I may actually know. Moreover, I was out of state on a work assignment during the time and, so far as I know, did not incur any debts on my trip. 

The notice does, however, contain a message from an individual named XXXX XXXX. 

Today, I received a call on my cell phone from the number listed on the notice, wherein a person identifying himself as XXXX XXXX requested a callback, without identifying himself as a debt collector or the call itself as an attempt to collect a debt, in violation of 15 USC 1692b rule 6 : ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were 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 2017-08-10
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Unknown collections listed requested validation and nothing received. Please help CCS Collection # XXXX CCS Collection # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
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:
Received a document XX/XX/2020 from Weltman, Weiberg & Reis Co., LPA with looks to be a photo copy of Request and Writ For Garnishment from the court house. Does NOT state original debt or who the original debt is from. They are trying to collect a old debit that is past STATUE OF LIMITATION! This should have come from the Court House, instead it came from a 3rd Party who is trying to claim a old debit ( don't know the original creditor ). I do NOT owe this debit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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.

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 2017-10-18
Company: U.S. BANCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am filing a complaint against US bank for mistakenly denying my {$200.00} bank bonus. In summer XXXX I opened a new checking account with US bank, and there was a promotion associated with new accounts at that time. You can find the details of that promotion below, U.S. Bank is offering a {$200.00} bonus when you open a new Silver Check, Gold Checking or Platinum checking account and complete the following requirements : Enter promotion code on sign up or give it to your banker ( you can request a code via e-mail or text ) Complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transfers of {$25.00} each or more within 60 days of account opening The Fine Print Checking Package Offer A minimum deposit of {$25.00} is required to open a U.S. Bank XXXX checking account. 
To earn the {$200.00} bonus offer, open a new U.S. Bank XXXX XXXX XXXX XXXX, Gold Checking Package or Platinum Checking Package between and including XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
Present your promotion code to a branch or XXXX phone banker or enter it online at account opening. 
Additionally, you must complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transactions of {$25.00} each or more ( you are responsible to ensure sufficient funds are deposited to cover bill payments and enrollment in Online and/or Mobile banking is required ) within 60 days of account opening. 
The checking account bonus will be deposited into your new consumer checking account within 60 days of direct deposit or XXXX XXXX verification, as long as your account is open. 
Bonus will be reported as interest earned on IRS form XXXX and recipient is responsible for any applicable taxes. 
Offer may not be combined with any other checking account bonus offers. 
Offer is not valid if you have an existing U.S. Bank XXXX checking account, had a U.S. Bank XXXX checking account in the last XXXX months, or received other U.S. Bank bonus offers within the past XXXX months. 
XXXX U.S. Bank employees are not eligible. 

In XXXX I met the requirement by using the billpay service twice. But the bonus was not credited to my account. I contacted the bank about this issue, but the representative was trying to disqualify me for bonus reasons.

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 2017-06-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
All transactions occurred XXXX XXXX XXXX. Accounts were opened with Comenity Bank at XXXX, Victoria 's Secret, XXXX and XXXX. Amounts were XXXX XXXX, Victoria 's Secret XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: WA
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:
This is a violation of the FCRA Section 623. Each Bureau is reporting different date opened, and high credit, and date last active, and date of last payment this is a violation. This account has many errors/inaccuracies does not meet FCRA. Each bureau is reporting different date last active terms and a collection account should not report a late payment this is a violation of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
LexisNexis has been collecting, compiling and selling my personal information without my prior consent nor expressed permission. LexisNexis has been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my XXXX XXXX and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( XXXX ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I seek redress, compensation and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: JPMORGAN CHASE & CO.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying off my mortgage to XXXX, that was like a subsidiary of XXXX XXXX, the original provider. (One of the attachments shows a record of the disputed first 6 months of the year. Each month two of the above names appear,) From about the beginning of the year  Chase was nagging me to make mortgage payments to THEM, I sent several letters explaining that their demands are senseless, but they would not listen.(there was no authorization from the mortgage collector to switch.) They are threatening with foreclosure. They have ruined my credit rating and prevented me from getting a loan. In about XX/XX/XXXX the provider stopped collecting from me. I then switched payments to Chase. They accepted XX/XX/XXXX payment, rejected XX/XX/XXXX and have not provided further guidance. There is a person in Executive Branch looking at my case, but it is a long look and I can't find her details now. The relationship manager is XXXX XXXX, atXXXX XXXX. They keep acting as if I had no money to pay. This is not the case, I simply don't want to pay twice. I have written to XXXX, appealing to repay all money owing, if any, to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: ID
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:
I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
This complaint is regarding the student loan XXXX   XXXX After sending dispute letters to Transunion and XXXX , it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I clicked through a link with XXXX to apply for an American Express platinum card - the link offered a benefit of 125,000 American Express Membership Rewards Points plus 15X points on restaurant spend. My page timed out, and I continued my application later. When I was approved for and received the card, I found out my offer only gave 10X points on restaurant spend ( a potential loss of 125,000 additional membership rewards points ). Amex refused to honor the original offer after speaking to multiple levels of their management. 

I asked to close my account and reapply for the offer, and they said that I was only allowed one offer in a lifetime, and if I closed my account not only would I not get the lower offer they gave me, but I could never get an offer again on the same card. 

This practice is not only misleading, but it is harmful to the customer in the case of a misunderstanding to preclude / prevent another application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea who or what this account is, I've never gotten any type of contact from them I only know because I've recently been checking my credit score more often. I've written and called them multiple times but I've never gotten a 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 2017-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Based on our correspondence and feedback from SPS, We have questions and serious concerns that we need to address in a timely fashion from SPS and alleged Foreclosure Mill, which have change hands several of times. We totally reject to all the alleged responses from SPS. These are the reason why ( A. ) W e was not aware of Foreclosure Sale Postponed on XXXX XXXX, XXXX, We request for proof of discovery, As we know the property can not convert over the note Holder in Due Process. However based on the information on the foreclosure sale, that allegedly took place place on XXXX XXXX, XXXX. We also requested the law firm to provide proof of evidence from the Auctioneer and the courts for proof of presale and new purchase deed showing on record as new instrument. ( B ). Based on Preditory lending towards XXXX XXXX, which the loan was diflated libor rate and so since the alleged loan was transfer to XXXX XXXX XXXX/SPS Allegedly amount owed was part of preditory lending, that SPS company pursue and is now denying any activity in response to this matter. We reject to SPS claim and merit and there false allegation. However as far as we concern, the Attorney Foreclosure Law firm is in violation of the FDPCA. as debt collector and purchasing our property for gain, which falls under theft by Deception and Ultra Vires.This case is still valid due to the fact, SPS is acting now as a pretender lender, that is facing lawsuits in preditory and truth n lending, Dodd Frank. ( C. ) Returned of previous payments needs to be address, based on SPS is the third party debt collector with no license in the state of Maryland as a debt collector.Which clearly is not the Holder in Due Process, also in violation of the FDPCA against all parties /substitute Trustees/Attorney 's. Therefore all payments must be returned and foreclosure must be vacated until this thorough investigation is fully disclosed to satisfaction. ( D ). Based on Servicing Rights, which clearly does not give SPS authority to act in the position as Servicer to this property. Based on the documents receive from SPS showing the documents dedacted inlegible. Based on my credit information, the loan was paid offand discharged thru the Bankruptcy since XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: DCN Holdings Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2022, Id received an email about a supposed {$96000.00} debt being owed to my past management company from almost XXXX years ago. They told me I would have this debt reported to the credit bureau if I didnt pay it in XXXX days, which means my credit would be damaged. I emailed the debt collector back, telling them I didnt owe any debt, and to cease and desist, or I would take legal action for threatening and falsely accusing a consumer of a debt. However, they still continue to email me.

Company response to consumer: Untimely response
Consumer complaint received 2022-06-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I acquired a loan with speedy cash based in California. I received an email from a *credit Burear debt collection that goes by the name of XXXX XXXX XXXX stating that they will file a lawsuit in the court of Texas for not paying a loan back which I am coming to an agreement with speedy cash myself. They want me to pay a certain amount using a prepaid card from a retail store. They dont provide a phone number I can call customer service to see who really is behind this company. I feel like I am getting scammed and harassed I have had financial and health problems lately. They have come at me aggressively through via email.

Company response to consumer: Closed with explanation