BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-19
Company: QC HOLDINGS INC
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After telling them I owed other agencies mainly the State of Washington money and that they would have to wait. They continued to call me at least once if not three times a day looking to set up payments. All while denying that I had talked with anyone about my situation. They continually harass my family members and some how found out my new work number in a different city across the state and has started to contact me here putting my job in jepordy and tarnishing my professional reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: MN
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, this creditor has violated my rights. Under 15USC1681 sec 602 states I have the right to privacy. 15USC1681 sec 604A it also states that consumer reporting agency cant furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX - XXXX XXXX reported late payment in the amount of {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$40.00} XXXX XXXX XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX reported a late payment in the amount of {$57.00} XXXX XXXX XXXX XXXX XXXX XXXX  reported a late payment in the amount of {$150.00} XX/XX/XXXX - XXXX XXXX reported a late payment in the amount of {$42.00} XXXX XXXXXXXX XXXX XXXX reported a late payment in the amount of {$42.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase Decline to credit my XXXX  tokens or send it back. 

Day of transaction XXXX The transaction ID is XXXX The deposit address I sent was XXXX Support Case is # XXXX -Transferred XXXX XXXX tokens to an address provided by Coinbase XXXX 
- I was promised transfer would be credited within 35 confirmations. 
- Support first claimed I didn't own the address. - When I proved I did own it, They said I sent an unsupported token. The currently only support XXXX - There was no disclaimer when creating the deposit address they only supported XXXX. 
- Several days after back and forth I check and now there is a disclaimer saying they only support XXXX and you will lose XXXX tokens. This was not clear before. 
- I want to be credited the amount in current time USD or have the tokens returned to my original address. 
-They have the ability to do this since they own the wallet. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SIMM Associates, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received another statement from a collection agency asking for payment in the amount of XXXX. The company trying to collect is SIMM Associates. I just called and spoke with a XXXX XXXX and then first thing I asked was what was the phone numbers and addresses that were attached to the credit card. The address is : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. The phone numbers provided are XXXX and XXXX. Now, this is now the XXXX credit card that I am disputing regarding fraud. The same address and phone number has been attached to the last XXXX cards I disputed. How do I go about getting this resolved too?

Company response to consumer: Untimely response
Consumer complaint received 2022-11-16
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on or about XX/XX/XXXX company was contacted in regards to request for account level documentation verifying the debt upon disputing with credit bureaus company verifies information but failed to respond but continues to report after stating to cfpb that " Credit Bureau Systems , Inc. received a validation request via email from XXXX XXXX on XX/XX/XXXX '' and " The account was returned to our client on XX/XX/XXXX and was never reported to XXXX XXXX 's credit. '' Company did receive a validation request however it continues to report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: AFNI INC.
State: FL
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 have received debt collection letters from XXXX different debt XXXX over the past XXXX demanding payment of {$1000.00} for goods or services owed to XXXX. 

The original collection letters and payment demands contained a name similar to mine and addressed to an unknown address for services of unknown nature. 

The most recent demand letter came from AFNI Inc. and I sent them a certified return letter informing them that this was not my debt and to cease and desist with further collection attempts as per FDCPA requirements Also to validate the debt via a copy a signed credit agreement or contract for goods or services associated with the alleged debt. 

AFNI Inc. answered my certified letter advising that they would acknowledge my request to cease and desist with contact and a blank payment coupon from XXXX dated XX/XX/2015 that has since been altered to reflect my business address and last name spelled correctly as proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX, we ( my roomates and I ) were contacted about debt that we owed regarding move-out charges on our apartment that our security deposit did not cover. The total amount in dispute was {$7500.00}. We ask for verification of the debt and the credit collection agency provided details regarding the debt. All of the debt was related to replacing our XXXX square foot hardwood floor. However, we did not have XXXX square feet of hardwood floor. Within our 30 day response period, we sent the company our floor plan which shows XXXX square feet of hardwood floor. The credit company ignored the evidence which would have reduced the bill by {$2000.00}. They also sent us information on XX/XX/XXXX which coincidentally increased the debt by {$2000.00}. The net affect would be XXXX reduction in debt ( we reduced our debt by {$2000.00} so they increased it by {$2000.00} ). We called the debt collection company 2 days later on XX/XX/XXXX and they said they already reported us to the credit card companies. They did not give us 30 days to response. In my point of view, they have the wrong apartment since our floor plans do not match or they are making up debt because they know how much money they need to make. This {$2000.00} worth of debt did not exist until we showed them proof that this was not our apartment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/2022. 
I am unaware of this and did not approve this.

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 2015-07-25
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection letter from Resurgent Capital Services attempting to collect a debt. Upon review of my records, I could not find evidence of that debt. I wrote to them requesting the verification of that debt. I received a reply today but the debt and creditor were unfamiliar to me. The alleged debt was originated in XX/XX/XXXX. I have never had a credit account with the original creditor reported. The debt was charged off in XX/XX/XXXX. The debt is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: The Stark Collection Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is in a debt mgmt repayment program and the collection agency has accepted and cashed payments for this debt. Acceptance of the payment was acceptance of the payment plan which they were sent by XXXX. I was not given an opportunity to dispute the debt before they placed it on my credit report as a collection. They have been accepting payments since XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: EOS Holdings, Inc.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
EOS CCA IS STILL MAKING phonecalls to my place of work after I told them not too - AGAIN and REPEATEDLY violating the FDCPA, you have done nothing and they STILL CONTINUE to BREAK THE LAW!!! STOP THEM FROM BREAKING THE LAW ANY MORE AND FINE THEM ACCORDING to the FDCPA. What good is this law if they dont follow it and you dont enforce it? Justice needs to be done. This is my third demand from you. I will always keep looking out for my rights - I highly suggest you do your jobs this time. EOS CCA NEEDS TO BE PUNISHED ACCORDING TO THE LAW. STOP CALLING MY PLACES OF EMPLOYMENT. I have documented proof they broke the law on XXXX occasions even with their incomplete records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by XXXX XXXX XXXX. Thereafter, I personally contacted XXXX XXXX XXXX and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with XXXX XXXX XXXX. I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, XXXX XXXX XXXX recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: TX
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:
On XX/XX/XXXX I made a purchase at a store in XXXX called XXXX XXXX. I was charged XXXX ( {$420.00} ) initially and told it was an accident since the price I was given was for XXXX. The store clerk then acted as if he was correcting the mistake and gave me a receipt for the new amount. A few days had passed when I noticed that I was charged incorrectly so I submitted a dispute with my bank ( Chase ) on the charge. The bank temporarily credited my account while they did the research. I didn't get a response from my bank till about 2 months later saying that they couldn't accept the dispute. I then called the bank right away and was told that I would need to show proof which they did not mention until then. I then sent them the proof in a letter which they then took about another 2 months to look over. That was when I received another letter saying that they again couldn't accept the dispute. I called and they mentioned that they couldn't accept it since it was already outside the time frame. Because the bank took so long to research the first dispute it was already outside the time frame not allowing me to take any other actions. This was also not mentioned in any of the calls I made to them at each step of the process until the final call. I would also like to add that after doing my own research, I found out that this store has scammed many others before which I thought would help in my case, but unfortunately did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted XXXX XXXX XXXX to add coverage to my internal dwelling. They offered to send billing to Wells Fargo. I increased my mortgage payments and they sent billing to Wells Fargo and they didn't pay any of the bills. I filed a complaint with the insurance bureau who notified me that it is Wells Fargo who failed to comply when they received the statements. Wells Fargo has not looked into this matter because of two of their own statements. 1 ) They stated I haven't changed my mortgage payments amount since XX/XX/XXXX and you will see an attachment that clearly disproves this statement. XXXX ) They continue there isn't a valid XXXX XXXX  policy since XXXX which is false, I'm attaching an official letter from XXXX  's, as well as, XXXX  's sent a direct fax to Wells Fargo that they ignored and closed the account without consideration. XXXX  's works with home mortgage companies constantly and they send them statements and they are paid. I don't know why Wells Fargo a ) has failed to investigate this matter, b ) claims that they shouldn't have sent the payments when its industry standard confirmed by the insurance bureau who regulates these things.

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 2016-11-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made an additional payment to my mortgage and it was not applied correctly. I contacted the company 6 times to correct, but it is still wrong.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CAINE & WEINER COMPANY, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Recently noticed and inaccuracy and FDCPA violation from Caine & Weiner attempting to collect a debt that doesn't belong to me. Caine & Weiner is reporting an inaccurate date of last activity for XX/XX/2022 on my XXXX Credit Report and a date of XXXX on my XXXX credit report. Under the Fair Credit Reporting Act inaccurate and incomplete accounts must be removed or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX XXXX XXXX 's mastercard XXXX was charged {$23.00} twice. it should only have bee charged once. boa refuses to correct problem. 

i set up billing dispute XXXX for {$23.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
FRAUD : The XXXX Trusts never operated and never received any investments dollars or any startup funds. They exist only on paper. There is a blizzard of paperwork, forged and fabricated assignments, endorsements, backdating, etc. The " pass-through '' characteristics of the XXXX Trust is not operating either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used my XXXX credit card to send a Venmo payment ( Transaction ID : XXXX ) to a friend on XXXX in the amount of {$100.00}. The transaction was a duplicate so I disputed it with the credit card company. In response, Venmo retracted the funds from the payee while the dispute was resolved. XXXX closed the dispute on XXXX and indicated it was a valid transaction and left the charge on my credit card. Therefore, the {$100.00} should have been returned to the payee. Venmo has not returned the payment and has kept the {$100.00} XXXX with no recourse. I have tried contacting them multiple times and they have not provided a path to resolution other than saying they will review it. It has now been over 2 months since the dispute was initiated and over 2 weeks since the dispute was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, Tomy surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, XXXX  continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. XXXX, transunion, and XXXX  needs to remove these items my scores are supposed to w   in the 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 2017-02-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been a customer of this credit card company for about 2 years. I began with a credit line of about XXXX, I then requested an increase and was given a line of XXXX. Every one of my credit and loan accounts if in good standing, no account in default or missing payments. Periodically I review my accounts for changes in APR 's and I noticed that the available credit on this card was not what it used to be. I found that this bank lowered my credit line to XXXX without notifying me, putting my utilization ratio to about 95 %, causing irreparable damage to my credit score. When I called them, they claim they had " concerns '' about my account. I asked if the account was in default, and they said no. Their concern : my OTHER cards had high balances. Not that they were delinquent or in default, and this is immediately after the XXXX, when historically people use their cards the most. I believe this is an unfair practice, and it was only done for the credit card companys benefit. They refused to reinstate my original credit line so that my score was not impacted. I am planning to purchase a home in the next few months, and this will cost me a lot of money because of my credit score.

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