BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been 3 ongoing disputes for charges in the amount of {$2000.00} that began back in mid XXXX of XXXX ordered a product through Amazon on XX/XX/2022. There was a shipping issue and for whatever reason the product was never delivered, no fault of my own. Through many Correspondences with Amazon as well as the creditor, Synchrony financial the issue still is not resolved.Every time I make an inquiry its the same song and dance, the matter is being investigated.Amazons policy is, if an item is undeliverable there should be a refund issued as soon as possible.We are now approaching 4 months since the disputes ( 3 ) began. I have approximately {$1500.00} in legitimate charges on my account. There was a transaction that was made with the second dispute from Synchrony financial, which was supposed to be a credit to the account, turned out the transaction was a charge which added an additional {$2000.00} to the account totaling {$4000.00} now. Ever month that I receive a statement the minimal amount grows, now up for almost {$500.00} a month when there is only {$1500.00} in legitimate charges, this is unacceptable.

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 2022-09-16
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2022 I tried to cash a check at Truist Bank in XXXX, XXXX. It was made out to myself and my mother XXXX XXXX for services we did not use ( oil changes refund that was financed in with the car ). The lender company, XXXX issued a refund check in both our names. The bank is refusing to deposit in to my checking account.

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 2015-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Trying to collect a debt that the statute of limitations has run out on. 
calling and threatening to sue. 
harassing phone call to work number, home phone, personal cell phone, wife 's personal cell phone. 
they use at least XXXX different phone line numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed this account several times with Portfolio Recovery. I have informed them that this account was a result of identity theft. I sent Portfolio Recovery a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted XXXX, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: U.S. BANCORP
State: OH
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: Old information reappears or never goes away

Complaint:
Had a checking with US Bank and they were charging excessive fees. This account was closed in XXXX but they started reporting to XXXX XXXX in XXXX. I paid them in full and closed account. I was told nothing would be reported anywhere since I settled and paid. This is being reported to XXXX XXXX  for no reason since the amounts owed have been paid.

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 2022-05-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
City bank has been reporting inaccurate info on my credit report Im aware city bank is FDIC support I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting inaccurate. 
A collection is by default late and past due, remove account from my credit for reporting past due. Delete account for inaccuracy.

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 2022-09-16
Company: CNG FINANCIAL CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I refinanced with Check n Go, and they agreed to only take out {$170.00} on XX/XX/2022. With out my knowledge they took out the entire loan amount of {$460.00}, leaving my bank account overdrawn by {$460.00}. I called and tried to get it fixed, and they told me they no longer do service in Nevada. They never told me this, and they never told me they were taking my money. Now they are telling me I have no options, that my account has been closed and there is nothing they can do. I spoke to XXXX different people. The XXXX, XXXX told me that he would try to help. I forwarded my confirmation email to customer service, and he is going to see what he can do. There has to be something, they can't just go into my account and take more money than what we agreed on. Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Southwest Credit Systems, L.P.
State: TX
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:
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.

Company response to consumer: Closed
Consumer complaint received 2022-09-16
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from Source Receivable ( XXXX ) XXXX on XX/XX/2022 at XXXX pm regarding a XXXX XXXX XXXX. 

XX/XX/2022 - XXXX pm I was told by a gentleman the balance due was {$900.00} dollars. I explained to him that I left XXXX years ago and the balance was resolved. The man working for Source Receivable told me that I owed this money. I told him that he " wasn't going to overtalk me if you want me to pay this bill. '' That when he said something to effect, " obviously you haven't paid the bill.. '' I asked to speak to his supervisor he hung up. 

XX/XX/2022 - XXXX pm I spoke to another employee at Source Receivable ( XXXX ) XXXX. I asked for a supervisor. She hung up on my also. 

XX/XX/2022 - XXXX pm I spoke to XXXX from Source Receivable - asked for XXXX Supervisor, she transferred to XXXX ( a Supervisor at Source Receivable ). She explained the bill, asked for XXXX XXXX number, I need to further dispute the charges. She informed me that XXXX would refer me back to her company. 

The whole issue is with the first Gentleman I spoke with at Source Receivable Management, he was condescending, abusive, unprofessional, unethical and rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: TX
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 Account # 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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2022-05-28
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I turned in my XXXX XXXX XXXX in XXXX XXXX and leased a XXXX XXXX at XXXX XXXX. At the time of negotiating I was advised by the salesman that my excessive miles would be waived since I was a loyal customer. In XXXX of XXXX I received a bill for {$1300.00} for excessive wear and tear and mileage. The dealership never informed me of my right to have a pre-inspection completed. I called Toyota and spoke with a person named XXXX at the XXXX XXXX XXXX department and explained my story. She then informed she would get back to me and I never heard from them again. Today I was called by a debt collection company, XXXX XXXX XXXX and I advised I was disputing this. The collector was aggressive and said she would mail me the contract and since I had nothing in writing from the dealer I owed this. contacted Toyota again and they refused to speak to me since my account was in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the collection agency and we agreed to settle the account at {$250.00}. However, they tried to force me into giving them my banking information which I did not feel comfortable doing specially because they refused to send me a letter confirming the agreement of {$250.00} before making the payment. I sent them a check and a note indication that the check of {$250.00} was for full and final settlement of the account. I also put on the front and back of the check that this payment was for full and final payment of account ending in XXXX which they cashed. I then called the collection agency to request a settled in full letter and they refused and was asked by the manager XXXX XXXX to pay an additional {$200.00} to settle my account. I can provide proof that the check was cashed on XXXX/XXXX/15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: Simon's Agency, Inc.
State: PA
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:
Simon 's Agency has been reporting a debt/charge off ( {$34.00} ) that has never been verified as mine. As of XX/XX/XXXX the company has been reporting a medical collection that they never contacted me about. Then on XX/XX/XXXX the company reported it as a new account which means it was reporting double. It is negatively affecting my credit and harming my reputation. And then when I disputed it, they verified it with the consumer reporting agency. There is also a statue of limitations on this type of debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was using Zelle to receive money for chairs that I was selling. The buyer told me she sent the {$250.00} using Zelle to my Zelle account. I then received an email from Zelle saying my account was not a business account so my {$250.00} was on hold. It said I needed to contact the sender and that the sender would need to send me an additional {$250.00} ( for a total of {$500.00} ) to upgrade my account. The sender says she did this. Then, I get another email from Zelle saying that I now have {$500.00} pending in my account. The email said that to receive my full {$500.00}, I would need to refund the {$250.00} to the sender, send a picture, and then the money would come to my account. I did this, however it did not work. This then prompted me to call XXXX XXXX. I explained the to XXXX XXXX what was going on. They said that everything was fine and that it seems like the transaction was canceled and to try it again. So I did, with the ladies different account. The {$250.00} was sent, and I never received my {$500.00}. The lady then scammed me again into believing that I did it wrong. She made me send her an additional {$250.00} ( {$500.00} total ) to her. I never received any of my money. I called XXXX XXXX  anf Zelle. They said nothing can be done since I authorized the transaction. However, I was scammed by Zelle and misinformed by XXXX XXXX that the transaction was safe and that it was ok to continue. Zelle and XXXX XXXX are at fault and wont help me get my {$500.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortage was sold to carrington mortage services as of XX/XX/2016 my loan number there is ( XXXX ). i am current on my payments when my loan was sold i yet to receive my statement from them so i can send my payment to them!! when i contacted them they said they would send it with no change to my payments or it would stay the same.My loan number from XXXX is ( XXXX ) i also called them on XX/XX/2016 and i was told everything was ok and i had a 60 day grace period to get everything ready i have still not heard any thing from them please help!! i do not want to lose my home over this company i have reseached this company and heard very bad things thats why i am writing to you i am on a fixed income!! 1 and XXXX with a lot of XXXX from XXXX i have all of my mortage statements from XXXX!!! and letters regarding this matter. I ask you at the cfpb to go on line and see complaints simular to mine this is not right i am contacting you before thhey try to scam me like so many others please help thank you!!!! 
sincerly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021 American Express opened and increased my card limit without any authorization or without notifying me. After the card was open there was several charges made totaling over {$30000.00}. There was several charges made several times a day, to foreign companies that will not reply to my emails. The companies do not have contact numbers listed. I was not aware of the charges until I received my statement. I immediately notified American Express of the fraudulent charges, and an investigation begin. After XXXX days, I requested another investigation and disputed the charges again. The charges were removed, however, XXXX months later the charges are reappearing on my statement again as a fraud reversal. I have tried to contact American Express, however I keep getting transferred to different representatives and different departments. I have fraud protection on my account, however, American Express failed at making me aware of the suspicious charges that was allowed right after opening my card limit without my authorization. I would like have a proper investigation, receive documentation of the investigation, and an explanation of how such activity was allowed. Also, I would like an explanation of why the charges are back on my account after a settled dispute. I have attached documentation and statements of this ongoing matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26
Company: Radius Global Solutions LLC
State: WA
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:
XXXX charged me a termination fee in error. XXXX turned this over to a collection agency for collection. XXXX has reversed the charges but the collection agency keeps trying to collect it. I have contacted XXXX numerous times. They said as soon as I dispute the charges then they will send a letter to the collection agency. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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:
I recently checked my credit report and noticed that there are accounts opened in my name that I didnt authorize or consent to and inquires

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 2016-12-30
Company: BBVA FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX I was notified by XXXX that someone used my identity to open a checking account at Compass Bank. I called XXXX, they directed me to call their parent bank, named Simple, at XXXX. I called Simple to let them know my identity was stolen, and they refused to tell me anything about the account. 
They refused to close the account, though I called multiple times and explained that it was a fraudulent account. I then did a XXXX call with XXXX and XXXX Bank in which the XXXX rep explained the confirmed ID theft. Simple rep said she would then close the account, but refused to send me anything in writing. I called Simple again on XX/XX/XXXX and again asked for a letter to confirm the fraudulent account was closed, the rep refused. She said the account was " no longer eligible for phone support '', that she had " to disconnect the call '', and I was not to call there XXXX asked to speak with a supervisor, was transferred to XXXX. He also refused to send a letter, said it was not their problem that someone opened an account there with my stolen identity, and their policy was to not provide any info or send anything in writing, not even to confirm they closed the account. I asked where they are actually located, he refused to tell me. He said they are an online bank, but said their physical location and the state in which they are registered to do business was " not pertinent '' to the conversation. I asked for a mailing address, he said he would not give it to me. I asked for anything to confirm they even closed the account, he said " this account is no longer eligible for phone support '' and that he had to " disconnect the call ''. Would not even confirm it was closed. He refused to give me an account number or any info at all about the account that I could have to document the fraud. I have no way of knowing if they even closed the account, and am very concerned that it is still open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I receive a minimum of XXXX calls per day. Sometimes XXXX after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Southwest Credit Systems, L.P.
State: PA
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:
As per the credit reporting agencies, the date this account was opened with Southwest Credit Systems was on XX/XX/2022 ( in the amount of {$550.00} ). There was no correspondence sent to me from this company explaining my rights or steps to take concerning this alleged debt. On XX/XX/2022 this account was posted to my credit file harming my reputation and dropping my score more than 20+ points. I have reached out to the company in reference to this account and their violating of federal law 15 U.S.C.

Company response to consumer: Closed with explanation