BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: SQUARETWO FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
My direct deposit posted to my Rushcard account on XXXX XXXX. It is 6 days later and due to computer 'glitches ' I still have no access to the funds!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Pr actices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a  small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against Equifax,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: APR or interest rate

Complaint:
We opened an account through XXXX XXXX and were told it was XXXX months same as cash. We set up an automatic payment that was more than enough to pay off the account in less than 18 months. My wife checked the account balance shortly before the XXXX months was up and paid what would remain after the following automatic payment of {$200.00} to close out the balance. 

XXXX months later, we received a statement that we owed {$29.00} and were late. The minimum payment was {$2.00}. The first business day after receiving this notice, I called and explained the situation to the man that answered the phone. They immediately credited the {$29.00} and I told them that my wife would contact them when she had more time to address the interest issue. He took my wife 's name and told me she would be able to discuss anything with them. 

Then today, we saw that they reported us to the credit bureaus as a 30 day late of {$2.00}. We had never received any other notice but the one that arrived last week. They claim to have called and emailed, but neither has happened. The manager that my wife spoke to today, after XXXX phone calls to have her authorized on the account because they did n't do that correctly yesterday, claimed that they had mailed us notices. When my wife asked where they mailed them, she told her that she could n't provide that information. She could n't tell us our own address? 

She also falsely claimed that our account had n't been paid consistently, even though the exact same payment amount had been applied every month that the account was open until the last payment was made. 

They refused to do anything at all to remedy this for us.

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 2016-09-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the The account all directly to them. They will not change on my credit bureaus bad it has been paid. Still showing that I owe the money. They also are refusing to discuss anything with me in regards to the 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 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Y'all do n't have my address some one gave a fake address for me which is not mines mine is XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Please contact me and correct this issue thanks in advance for your time. ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: TN
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 account was my second mortgage. It has been paid in full; however, the lien holder states that the payments were late. I went through a Deed in Lieu with this mortgage company and the payments were slowed because of that. Please have all late dates and times removed from my Equifax and  XXXX  reports.   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , VA  XXXX 
  XXXX   XXXX   Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type : SECOND MORTGAGE 
Date Updated:   XXXX   
Payment Received:   XXXX  
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   
Pay Status: >Account paid in Full; was
a Charge-off<
Terms:  $   XXXX   per month, paid
Monthly for 180 months
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX  for   XXXX  <
High Balance: High balance of   XXXX   from   XXXX    to    XXXX  ;  XXXX  from  XX/XX/XXXX  to   XXXX  
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX     XXXX       XXXX    XX/XX/XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Source Receivables Management LLC
State: NC
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 received a phone call from a debt collector on XXXX XXXX stating I owed over {$200.00} to an apartment community. I was confused as I have not lived there for over one year and received nothing in the mail regarding any debts. I made clear to the young lady that I was unaware of a debt and would like some documentation showing that I do owe this amount. I told her my new address and she promised to send something to me soon. Today XXXX/XXXX/15 I received another call from the same debt collection agency. I explained my last conversation to this new agent. He responded with very abusive language calling me a liar. He said there was no way the other agent would have ever said that and " If you do n't have the money, just say so. Do n't lie about it '' He became so aggressive, I had no choice but to end the phone call. A co-worker decided to offer me some help and we called the agency together. The first person we spoke with, XXXX, confirmed that the original agent who contacted me did not submit the request for validation. One was submitted this morning by the abusive agent. XXXX added notes to the account and transferred us to a manager who was awful. Both of these conversations are recorded. The manager XXXX XXXX? ) repeatedly talked over both of us eventually devolving into shouting. We repeatedly attempted to tell him that I have still not received any documentation validating the debt. He shouted over and over that one was mailed in XXXX and that they were only required to send one. We again told him it was not received ( he said we were lying ) and that the original agent had failed to submit the validation request. His timeline of events and tone of voice changed drastically once I informed him that a recording of our conversation would be sent to the Attorney General. We had no choice but to end the phone call as it was clear this would not be resolved. There is much more to this incident but one can not understand without hearing the recordings.

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 2017-05-05
Company: DISCOVER BANK
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with   XXXX   and  XXXX .

DISCOVER FINCL SVC LLC # XXXX 
  XXXX   XXXX   XXXX    XXXX , DE  XXXX 
  XXXX   XXXX  
Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:   XXXX   
Last Payment Made:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX  
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from   XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of   XXXX   from   XXXX   to   XXXX  
Estimated month and year that this item will be removed:  XX/XX/XXXX 
  XXXX     XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX  1

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received debt collection letter from "  American Express   XXXX   XXXX  '' regarding Credit Card account that has been opened on my identity but I never actually opened it.     As American express detailed account number have last  XXXX  digit "  XXXX  '' and balance of {$4500.00} In my further inquiry about subjected account, I 've found out that a credit account has been opened on my name on   XXXX   XXXX   and closed on   XXXX   XXXX  . However I never opened such account and do not recognize any transaction from that account. Hence someone else must have opened a fraudulent credit card account on my stolen identity.     My name is  XXXX   XXXX  and I am a resident of   XXXX   XXXX   XXXX  , NY- XXXX . My appeal is to investigate this fraudulent account and fraudulent charges on my account as soon as possible. Also please advice me how to deal with this fraudulent debt collectors.     I 'm attaching copy of debt collection letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
None of the XXXX companies would allow me to obtain my free credit report online through XXXX. XXXX and XXXX said 'unable to provide ', and Equifax flat out refused, claiming it is more secure for me to mail copies of my identifying information. Copies which could be used by a criminal to steal my identity.

Company response to consumer: Closed
Consumer complaint received 2016-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One, like most other credit card issuers, offers promotional ( often 0 % ) rates, which expire, of course, often in 12 months. However, other than their initial offer notice, Capital One DOES NOT DISCLOSE the expiration date of the offer on their mailed statements NOR online. I have enclosed my online " chat '' with XXXX representatives, who say they are " working '' on it, but declined to give even a target date to disclose this key piece of information. I find this self-serving ( to earn interest based on the forgetfulness and short term thinking of most of us consumers. The disclosure & reminder should be available, & repeatedly provided, by regulation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I was denied a Barclay XXXX Credit card. my credit score is XXXX. I have another Barclaycard for William Sonoma. I have always paid the credit card bill on time. My male partner was immediately approved and his credit score is XXXX. XXXX 's asked me to send a copy of my utility bill and my tax return. I did and was denied again. I called and they said the concern was not my credit rating but that they have a lot of fraud. They asked me to send a copy of my Social Security card and my drivers license. I told him enough is enough. I think I am being treated differently because I am a woman and I think the request for personal information is excessive. i 'm feeling harassed. Reference # 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 2017-05-05
Company: Mid-Minnesota Management Services, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX , I was stuck on high deductible medical plan when my son   XXXX   XXXX   XXXX  . We incurred roughly {$3000.00} in expenses for multiple   XXXX  . Provider referred account to Collection Resources  XXXX   XXXX .  XXXX , Minnesota. I received a call on from them in the summer of  XXXX . We worked to resolve over time and I thought that we had, however, their understanding of resolution was not the same as mine and I received a bank account debit in the amount of {$2400.00} on  XXXX   XXXX ,  XXXX  without warning or notification. I contacted the firm and asked to resolve in a manner that would not overdraw my account, mean that I am unable to pay for planned car repairs which will impact my ability to get to work and also require juggling of payments and accounts to avoid missing other payments ( such as mortgage ). I was told that they would not negotiate on this and were going to keep my money. My complaints with the firm   : 1. Was told during phone call by representative that they would be unable to enter into a payment arrangement that did not include accounting for payment of balance in full within a fixed time.
2. I was forced to be evasive about ability to pay as a result of # 1 above and veiled threats connected to it. Event  ually, we agreed to a plan in which I would pay {$40.00} per month and make a final payment in full in  XXXX ,  XXXX . During that call the representative listed all of the debit dates but ended that series and mentioned a " final payment '' rather than another debit on  XXXX   XXXX ,  XXXX . It was my understanding that the " final payment '' was to be made by me or at least agreed upon with some warning. Not that I was committing to them debiting my account on a future date for an amount that is greater than my house payment.     3. Even had I agreed to such a payment ( which I firmly believe that I did not ), I do not believe that debiting a large amount without advance notice ... and not a recurring monthly amount ... is not ethical. Had I assented to this debit ( which I did not ), CR was attempting to prey and the fact that I had forgotten. They got the money and ran. A simple {$1.00} letter reminding me that they thought that I had agreed to pay {$2500.00} to them at a time when it would be clear to me would have avoided any confusion, however, this was clearly an attempt to grab money without the knowledge or informed consent of their victim.

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 2016-11-03
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
there has been an account opened in my name with the company care credit which i have never been with them and i have never had to have them so i am asking that this business remove this from my credit reports and get rid of this debt name is XXXX XXXX ssn is XXXX please remove 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 2016-08-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Had trouble with JC Penny account charge and wanted to see if credit had been issued. Transferred back and forth between JCP.com and Synchrony Bank. After XXXX hours I got issued resolved but in process they closed my account and said that I had requested it. I said no that while being transferred/disconnected and reconnecting I punched the # XXXX on auto dial in and that led to closing of account. They did not believe me said they would research but would no reinstate my account. I would like to file a formal complaint against Synchrony Bank and the supervisor XXXX # 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 2017-05-05
Company: JPMORGAN CHASE & CO.
State: CA
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: Was not notified of investigation status or results

Complaint:
CHASE CARD did  n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in CURRENTLY FILING a s mall claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX   XXXX   XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Vion Holdco I LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was sued by a creditor other than the original without properly notifying me of the lawsuit. The debt collector, Vion Holdings LLC, knowingly filed the lawsuit in a court that was outside the County where I live. After obtaining a judgment they were able to collect exempt funds ; levied my bank account for an amount that exceeded the original debt that had been timely disputed. They sent correspondence to me at my correct home address which enabled me to dispute the debt.The funds were seized while I was out-of-state to enroll my daughter at the University XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was on XXXX and applied for a loan modification XX/XX/XXXX/XX/XX/XXXX to get the payments of 3 months attached to the back of the loan. The company would take 5-7 days to process any documents that were uploaded and then send out a letter taking another XXXX days asking for more documentations. I called several times asking for a list of everything they needed so that I could get it all done at once. It is now XX/XX/XXXX and the company is still asking for more documents. on XXXX/XXXX/XXXX Caliber stated the last thing Underwriting needed was an updated XXXX which was completed and uploaded on XXXX/XXXX/XXXX because it took them until XXXX/XXXX/XXXX to process it Caliber is now needing more documents and an application because as of XXXX/XXXX/XXXX the file was 90 past initial start. I have documents of over XXXX pages of uploaded documents they have asked for. I was also approved for XXXX california but because of my past due amount Caliber refused to approve keep your home california which would have given us assistance for up to 18 months.

Company response to consumer: Closed with explanation