BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-09
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a letter from XXXX XXXX XXXX, XXXX to take me to XXXX of California for a debt that is XXXX years old! The collection company or attorneys are XXXX XXXX XXXX, XXXX XXXX in XXXX, CA XXXXThe Credit Card is Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Global Lending Services LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I need this credit reoorting on my profile removed? 

XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: The Bureaus, Inc.
State: LA
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:
Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : The Bureaus INC, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY THE BUREAUS INC Account Number XXXX Balance {$3900.00} Address XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged {$120.00} in late fees year to date. I am requesting to have all of the late fees refunded to my account. Most of the time, I've been paying on this account. XXXX XXXX failed to deliver the furniture to my home. It wasn't until XX/XX/2021 that XXXX XXXX delivered the right furniture to my house. This ordeal caused unnecessary fees because I was paying for an item I did not have. However, Synchrony Bank was adamant that I continue to pay despite being documented that American SIgnature failed to deliver the article because it was on backorder. Then once delivered, it was the wrong color.

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 2015-06-15
Company: First Credit Services Inc.
State: CA
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:
In XX/XX/2014, I and my daughter went to XXXX to try the practice. A staff suggests my daughter to sign half year membership. He told us that if my daughter did not like the practice, we can cancel the membership any time. The staff filled the form and just let me sign the contract. The staff did not mention that he had checked auto renew on the contract. I did not notice the auto renew was check either.  After two month try, my daughter get hurt XXXX when jumping around in the facility. XXXX I had talked to the manager and want to cancel the membership. I had browsed to the XXXX web site to let message want to cancel the membership. The manager had told me because we had signed half year member ship, we cannot cancel the membership. After half year, our membership will be terminated automatically. 
Because my daughter got hurt every time went there, she could not go to the XXXX since XX/XX/2014. She only went there for two month, but our credit card was charged for six month. After six month for safety reason we cancel the credit card. But XXXX still keeps charging us.  When I went to the facility ask the manager, he told me this contract will auto renew. Now they want to charge us for extra XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: First Data Corporation
State: NC
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:
1st Data continues to report a debt on my credit report that I do not owe. I have disputed this account at the credit bureaus, but they keep verifying it. I have also challenged them directly to verify the debt, but they refuse to supply any documentation to show this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TD BANK US HOLDING COMPANY
State: IL
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:
It's the Nordstrom Retail Credit Card. However, I've learned that Nordstrom credit cards are issued by TD Bank USA, N.A. Nordstrom is TD Bank USA, N.A.s service provider for the Nordstrom Credit Card program. 

I submitted returns in XXXX. It's XX/XX/XXXX, and they still haven't credited the returns to the account. They show on the XXXX and XXXX statements, but when I called, I was told they weren't officially processed. 

In my XXXX billing, I hadn't paid the full balance, because I knew I didn't actually " owe '' any additional funds. I had made other payments, but I knew that I had an additional {$200.00} coming. 

What really bothers me, is that Nordstrom gets to decide when to process those returns. In the meantime, they've charged me both interest and a late fee for not paying the final amount ( that I would ultimately get credited back ). 

It's also not like the returns were sent back a week ago, they were returned in XXXX XXXX. It's late XXXX. Incredibly deceptive and abusive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-26
Company: Home Loan Center, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Lending Tree pulled my credit without my permission. I never requested any information from them. I never gave them my social security number. I simply clicked on an advertisement and they automatically stole my info and sold it to other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Other

Complaint:
I am applying for a loan to buy a new house and my loan officer reported to me that there is a delinquent charges more than 30 days on XX/XX/2016 and 60 days on XX/XX/2016 for some credit card ending in XXXX that is issued by CBNA and he gave me a phone number XXXX, which I have called and stayed with them for at least 30 mns and they could not find any credit cards that was issued to me using both my name or my SSN or even my phones so they switched me to fraud department which could not find anything either and then I talked to few supervisor in CitiBank who could not help me at all, I do not have any cards and i never had any cards that ended in XXXX, I need help please, my home loan is depenedent on this ... the phone number that was listed on the consumer credit report was

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 2016-03-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Commonwealth Financial Systems responded to a recent complaint I filed against them with the CFPB ( Case number : XXXX ) stating that they were closing the account and removing the unsubstantiated collection account from my credit reports. The day after they responded to my complaint- instead of deleting it, they actually updated the collection on my XXXX credit report. Commonwealth also responded to the XXXX stating they were removing the collection. I contacted XXXX fraud department and they assured me that they had placed a fraud alert on my credit report and that they would begin their own investigation. With the enormous number of complaints against Commonwealth Financial Systems I am baffled as to why the CFPB has not taken action against them. I feel like this nightmare is never going to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Phillips & Cohen Associates, Ltd.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Did not recieve dummy letter which allows me to ask them to validate the accounts. That is a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened up a PayPal account years ago never had a problem until About 2 years ago It's a fully verified account I meand I have been fully verified through PayPalLike I said really don't know why they won't release my money. At 1st I was told to wait for the email after the 180 days And usually and I would be able to withdraw all my funds then I waited and I waited and I waited no email ever came in the beginning the representatives did all they could they tried to withdraw they tried to move it wouldn't happen So then I started complaining to their dispute person And I ended up receiving letter stating that PayPal was never going to release my money. Their company is nothing but a scam Come to find out that is how PayPal makes its money is by putting ahold on people 's accounts and then Gambling with that money we're investing it. So anyway they can't just keep my money And this should be posted people need to be aware of what a scam PayPal is Because from what I've heard they have changed their fine print in it basically States in their contracts if they can keep their money people need to be aware of this PayPal does not make money Anyway but putting ahold on your accoand then gambling with your money. They have {$2100.00} of mine I want it all back. On XX/XX/XXXX and XX/XX/XXXX of XXXX Have received payments from 2 of my clients for work that I had done I transferred XXXX out to my debit card let 's see othere are XXXX in there And it wasn't shortly after that that they limited my account and then permanently locked it and I was told after a 180 days I could get it out that never happened then I was sent a letter stating that they were never going to give me my money back The account is under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
applied for an account as their ads state can start trading in 20 mins, applied on XX/XX/XXXXit is now XX/XX/XXXX emailed them twice to ask why it is taking so long, have yet to receive a response other than the automated generic email response that we got your request for support. horrible customer service and false advertising for the ads they are using to promote their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX my account with Capital One had gotten closed due to 3 chargebacks / returns made from my bank due to the fact that I had mistakenly put in the wrong account and / or routing number. Due to this issue, I contacted customer support for only to have them simply tell me that theirs nothing they can do, dispose of my card and file for a new card but Im unable to qualify for a new card with Capital One or any other credit card provider. Im in the process of getting a house and Im worried that this might delay my chances/ opportunity to get it due to a minor mistake that I could have simply fixed if I was more aware of the situation with my account/ routing number being an issue. I hope to dispute this and be able to get pre approved / qualified for a credit card since I was able to pay off my credit before the due date and Im currently self employed so I am responsible enough to handle and build up on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I filled a compliant with you in regards to my investigation that was performed with the credit bureaus and your response was that " the company responded that I was not an authorized representative ''. I have no idea how that would be so!!! Please re investigate. The old complaint # was 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 2016-11-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Experian flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. Experian is the only one to disregard these notices.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXX Bank ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice.

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 2017-01-25
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
CASHCALL responded to my complaint stating that they have not called me. This was not even the complaint. Instead of answering the complaint they tried to dodge issue and divert attention. Also trying to place blame elsewhere without looking at the evidence in front of them. They then admitted the amount owed was was XXXX. On the XXXX loan. We all know that CashCall has been under the gun for shady loans. Then tried to respond by saying XXXX took over the loan. Well XXXX is a shell company of CashCALL but they are trying to avoid blame. XXXX was also under fire for harassment and then they had to refund. XXXX I said I would take the different offers to pay off and they never responded when I would accept. It was a game and lies. HERE is the issue and I am not going to take answers that make zero sense from Cash Call. Fine CASH CALL you state balance was XXXX. CASH CALL then you falsely claimed XXXX. Which is a blatant lie, false according even to CASH CALL CASHCALL I am going to assume that you did not look at the evidence or clearly read what I written all the way. I did not claim you were calling me during Chapter XXXX. What I am claiming is the lies about what was owed. So in 5 months a loan accrued XXXX in interest on XXXX loan. OK I will also be sending this appropriate FTC and AG. 2nd response states XXXX XXXX is who I have this with. Well that is not true. CASHCALL Claimed XXXX to the BK court which is false as they already admitted XXXX But this is what they do lie. Regardless I have the proof. I also have copies of the checks and where they were sent. TO CASHCALL in XXXX. Just in that is the discrepancy of XXXX that CASHCALL has 14 days to return or will be taken to court over and and interest on XXXX over 6 years at the rate that will be XXXX which is what my attorney will be going for along with attorney fees. Attached proves Cash Call was paid not XXXX. XXXX did not claim with BK court, Cashcall did. CashCall may call me to verify where to send refund.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/XXXX I contacted ( Experian about the following negative accounts XXXX XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2015-08-06
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015 I received e-mail from CashCall offering a settlement on a loan I had due to them with a XXXX time payment of XXXX. I am attaching the e-mail in this correspondence. I spoke with my family and they were going to provide the amount so I could settle the debt. 
I called CashCall and said that I wanted to settle based on their e-mail. They were to move forward and provide the documents necessary to do this. 
Follow-up calls were made and nothing ever happened. 
After a period of time I called CashCall again. This happened on XXXX XXXX, 2015. They said that I would have to deal with a new contact. This new contact was XXXX XXXX XXXX. The number given to me by CashCall was XXXX XXXX. I was to call them from this point on. I called this number I spoke with someone who would only identify himself as XXXX. XXXX said he represented XXXX XXXX XXXX. XXXX said that everything was transferred to XXXX. Their number was XXXX XXXX XXXX. I then called this number. They took down my contact information and said that someone would get back to me. I received a call from XXXX XXXX. He said that he works for the XXXX XXXX XXXX XXXX. He was calling from XXXX XXXX. He said that the offer is not available and I will be dealing with him now. He demanded payment of approximately {$5000.00}. He said that if I did not pay, he would take legal action and sue me. He said that he would put a lien on my house and levy my wages.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation