BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: Phoenix Financial Services LLC
State: LA
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 been repeatedly contacted by a company by the name of Phoenix Financial Services LLC in XXXX, IN. This company is requesting that I pay them {$1000.00} for XXXX XXXX XXXX XXXX XXXX. I have no idea where this bill is from or if it is being billed to the wrong person. I have tried disputing this claim with XXXX  but had no success and have even tried to review my records to see where this bill could have possibly come from. I have always been good with paying bills that I do owe, but I can not give away my money to a company I do not know and don't even know why they are requesting the money. I have never done business with Phoenix Financial Services LLC or XXXX XXXX XXXX XXXX XXXX before and therefore I feel that I should not have to pay them anything. This bill is negatively affecting my credit and I need something to be done about this as soon as possible. They keep offering me deals to pay it off but I won't pay any money to a company I have never heard of. Either this charge is fraudulent or simply incorrect and I just need it removed from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Wells Fargo services.

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 2022-02-14
Company: Dovenmuehle Mortgage, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on my home on XXXX XX/XX/2021 and paid at closing all the property taxes for the next year since they were due in XXXX. Then in XXXX received a notice from the county that the taxes had not been paid. Called the mortgage servicing company Dovenmuehle the servicer for XXXX Mortgage and they had not made any attempt to pay the taxes and appeared unconcerned that they were delinquent. I have had multiple conversations with them concerning this and can not get any of their representatives to take action to pay my taxes. I have talked to 3 supervisors and 4 different customer service reps and each time I have to give them the entire story over again and none of them take any action. They also tell me that it is going to be another 2 weeks each time and nothing has happened. At the last calling they supposedly turned it over to an expeditor, but the person will not give us any status except it has been sent to another office. I contacted the county, and they are now assessing delinquency fees and will start foreclosure in XXXX if not paid. Dovenmuehle has been unresponsive and appears to keep bad records of customer contacts. The clear message to me has been they are not really concerned that my credit rating may suffer by their incompetence, lots of fees are building, and my house could go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My natural inalienable XXXX given rights are being violated pursuant 15usc1681c-2 by all three credit reporting agencies. ( XXXX, XXXX, and Transunion ) Each agency which has no authority granted by Congress to report any of my information being a private Man, further more without my express written consent. 

But on the XXXX day of XXXX in the year XXXX  all agencies received by certified USPS an FTC identity theft report along with a written order to block and remove those accounts and information in accordance with FEDERAL LAW pursuant 15usc1681c-2. ( Please see attachments ) ( My request did not meet the criteria to decline or rescind, according to 1681c-2. ) It has now been 6 days from the date of each agency signing for my order, and I am with the understanding after 4 days of receipt without verification of mentioned accounts they are to be removed. After several conversations with each agency, I was informed by them all that they have started an investigation and dispute process according to their " Agencies Regulations. '' The deceitful language being used implies that their inhouse corporate regulations supersede and outweigh the ruling authority of the FCRA. 

1. I did not give express written consent to start a dispute. They did not receive dispute letters. 

2. Never gave express written consent for the initial reporting of anything being reported, factual or not! 

2. If it is my responsibility and no one else to protect my faculties, that including fair credit reporting, makes it is also my duty to expose those who take an unfair advantage of my rights as Man. 

Although Exhibit B is titled Transunion be not mislead, each individual agency received their own personalized FTC Report and Cover letter.

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 2017-09-07
Company: CITIBANK, N.A.
State: CA
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 have had this account for close to a year. It has been on auto pay during that time. I have attached an accounting of my payment history. I changed bank accounts and realized that I had not corrected the information at Citibank in time for them to take the money out of the new account. I manually paid online the payment PRIOR to it 's due date ( XXXX ) and that payment posted XXXX. It came to my attention when I received a notice that I had a check not honored and that I had incurred a fee of {$25.00}. I researched my payment again and called Citibank. Even though I had made a payment PRIOR to the due date online, manually, Citibank still proceeded to take ANOTHER payment from an account that was closed AFTER I had made a valid and accepted payment prior to that date. I was connected to a foreign service and after much confusion and language issues, it was finally told to me that I CAN NOT make a payment outside of the auto pay. If I want to do that I have to call them, have them cancel auto pay and then proceed to make my payment. This sounds absolutely ABSURD to me. I 've had many auto pay accounts with other banks and if a payment is made manually before the due date, that auto pay is cancelled for THAT payment. It is a simple computer programming issue. NOT SO WITH CITIBANK. They have figured out a way to trap us into making multiple payments and paying a returned check fee for a payment that was n't even required! Furthermore, they add the fee to the outstanding balance and incur interest on top of that too! THEY WILL NOT REVERSE the charge even for an outstanding customer. I have paid off the account as of today with Citibank. I do not want to do business with a company, that for one ... I can not talk with anyone in a branch locally ( I can request to talk to a branch but that branch might be in another state ), and also an XXXX XXXX that is so intertwined with having overseas people handle their customer service. Branches are being closed everywhere it seems, my closest branch about 30 miles away is now closed. I have a Sears Card that is issued by Citibank ... I 'm canceling that and any other account I run across that Citibank is an issuing bank.

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 2021-08-28
Company: AMERICAN EXPRESS COMPANY
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:
Received offer in mail with a sign up bonus of XXXX points for spending {$5000.00} in first 3 months. Met criteria, but never received bonus points. 

Contacted Amex via chat on XX/XX/21 and the rep verified that I met the requirements and would submit a ticket for them to resolve in 7-10 business days. 

Still had not received points, contacted via chat again on XX/XX/21. They said it was still being worked on and to check back at another date. 

Still no points. Contacted again on XX/XX/21. They said it was still being worked on. 

Still have not received after nearly 4 months since meeting criteria for sign up bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: The Law Offices of Jennifer McCoy, PC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, My complaint is in reference to a debt I owed to the company " XXXX XXXX at XXXX XXXX '' apartments. On XX/XX/XXXX, I received a civil warrant from the XXXX XXXX XXXX XXXX. The amount owed was a total of {$2100.00}. The original debt was taken over by The Law Office of XXXX XXXX https : //jennifermccoylaw.com. I was summoned to court on XX/XX/XXXX. 

I decided to pay the debt in full once I was able to gather the funds and paid the full amount of {$2100.00} ( the amount that was listed on the civil suit ) on XX/XX/XXXX. Upon checking my credit history via XXXX XXXX, I noticed that my collection is still open with the Law Office of XXXX XXXX and I've been charged an additional {$270.00}. 

I would like to get this removed and my credit report updated with the collection being paid in full. They've been a pain to deal with. They even sent a debt validation letter with some sort of substance inside that attracted hundreds of ants. The photo I'm attaching is absolutely disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

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 2015-09-28
Company: Robinson, Reagan and Young PLLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Promised to completely remove debt collection record if debt was not valid. Did not remove automatically as promised. Cited computer coding error from XXXX. Would not apologize. Said they did nothing wrong. 

Debt was sent to them for collection from XXXX. Called to tell them that it was already paid. They reported to credit bureau before I sent proof. They promised to remove completely if debt had been paid. Checked my credit report said and XXXX bureau had marked as closed and XXXX showed a zero balance. Called today to complain and they blamed XXXX. Would not apologize nor send me a letter that debt had been satisfied. 

If I had not called, it would still appear on my report.

Company response to consumer: Closed
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-08-28
Company: Comerica
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
US Direct Express closed complaint XXXX with no resolution. 

They sent an email claiming they could not contact me by phone. My son tried calling them twice and no response. When I called them and left them my phone number, they closed the complaint because my son filed the complaint for me. 

US Direct Express representatives may not know how to make international phone calls. 

Send any paperwork needed to make someone my representative dealing with US Direct Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: MS
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-09-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have a Coinbase account and decided to withdraw money amount left. 

My transaction is dated XXXX XXXX XXXX STILL PENDING!!! 
code : XXXX amount XXXX Up to today my money never came to my bank account. 
Costumer service replied to my many mails just once saying I need to wait more because they need to fix a problem. 

I waited more than one month to have MY money back. 
Now it 's too much time Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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 to the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights on Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX All for {$20.00} each. XXXX XXXX account XXXX for {$160.00}. XXXX XXXX XXXX  account XXXX for {$190.00} Inquiry from XXXX XXXX XXXX XX/XX/2022 As per 15 usc 1681 a ( e ).

As per 15 usc 1681 section 602 A. I have the right to privacy.

As per 15 USC 1681 section 604 A section 2. A consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by EOS contacting me, calling me and my family members and sending me letters regarding {$360.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since I had settled the sum in full with XXXX XXXX XXXX!!!. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile 's. this is getting alarming!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: WA
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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a 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 non-monetary relief
Consumer complaint received 2017-09-07
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX and XXXX would like to dispute the payment late mark on our credit report for XX/XX/XXXX. This payment was made prior to the end of the month and not sure why you are penalizing us as if we made the payment in XXXX. We are aware that by not making the payment by the XX/XX/XXXX we would be assessed a late fee, but never in our minds would we think that by making the payment before end of month would call for a 30 day late Mark. We would have never been aware of this hitting our report if it wasnt for our new lender to bring it to our attention. We are scheduled to close XX/XX/XXXX and now that this is reflecting, we are in jeopardy of not being able to close or purchase this new home which has proper accommodations on our current handicap accessibility necessity. On XX/XX/XXXX @ XXXX we called in and spoke with customer service representative XXXX @ XXXX and per her review the payment was made in time to not reflect a 30 day late mark. She stated it appeared payment was posted into suspense and never processed for whatever reason. We were advised to send this letter to customer service through email, so that this dispute could be submitted and taken care of in a timely manor that would allow us to still move forward with our scheduled closing. Then we received an email back requested to have letter faxed. Then we followed up on the XXXX and they stated they received letter and that they were sorry, but it needed to be mailed in and could take up to 60 days. I asked to speak with management and was told no one was available and that XXXX XXXX would call me before end of day. Since XX/XX/XXXX I have made several callas and no one is able to speak or handle this matter and the last representative stated that we were misinformed and that there was nothing that could be done. Once again stated would get call from XXXX XXXX and to this day no call has been received. If you have any questions please dont hesitate to reach out to us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by Portfolio Recovery contacting me, calling me and my family members and sending me letters regarding {$2400.00} that they think I owe them. I do not owe anyone anything, I have node how or where they relied this sum since all of my cards have been settled with the original companies. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the state of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts and continue to make payments why am i being double billed buy this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. They did not even update the acorn too show I was disputing it. Please investigate this and have them remove their erroneous account from my credit profile. this is getting alarming!

Company response to consumer: Closed with explanation