BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my THIRD attempt with ProCollect and i have already proven them inaccurate. First, they had a FRAUD lease on their record with my name on it at a place i have never lived or been. I told them this, they said, to me and the CFPB, " we have a debt with your name on it, AH HA, its YOURS ''. SO i went around them, filed a police report, an FTC ID Theft Report to prove it was NOT mine and i was in the right. Sent them all that, they still tried to con me. The bureaus blocked it as ID Theft which i had proof it was. Then they have a second debt with my name on it. This place, i ACTUALLY lived but i fulfilled my lease obligations, as proven by the documentation presented. I have the lease that PROCOLLECT SENT ME, and i have bank statements PROVING i moved out when i said i did and fulfilled my lease obligations. Understanding however, that when you move out of an apartment, there may be some fees owed ( last water bill, if something is broken, etc. ) i asked ProCollect to submit to me a fee schedule showing how much i owed. They sent me one ( attached ) that was so small i could not read it under a magnifying lense. They have the wrong amount due, if ANY, and have not provided me this information intentionally because they are not a decent company. I even called them because they are intentionally doing this and tried to pay the full balance over the phone, i could actually see what i owed for, and they said they would call me back, and then brought up the identity theft which, clearly the FTC and the police department agreed i had nothing to do with. PROCOLLECT needs to send me a fee schedule, since they can not prove anything at all, and they know it, that i can read so i can possibly pay what i actually owe, if anything, and we can move past this and stop acting like children.

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 2023-06-12
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by CBE group regarding a balance due to XXXX from XXXX. I informed the representative I never had service with XXXX  since XXXX. I was told I still need to pay the balance. I repeated the balance was not mines and was given telephone number XXXX ( XXXXXXXX fraud  protection ) to call. I called spoke with XXXX who asked if anyone else resided in my home. I stated my son lived with me and she automatically said that he used my information and I must file a police report and XXXX him. I informed her that I already spoke with my son and he never used my info. She was extremely sarcastic and not helpful. I asked to speak a XXXX and was told that I was not able to, and was given XXXXXXXX XXXX who refused to transfer me to a XXXX. I should not be responsible for a balance not owed!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 there were 32 unauthorized transactions made on my account totalling {$1600.00}. To date 2 of the unauthorized transactions have been approved and refunded totalling {$40.00}. However the other 30 transactions which occurred at the same time as the others have all been rejected. The merchant was also immediately contacted about the unauthorized transactions. Conveniently Chime has declined resolving my dispute the day prior to when they stated the temporary money would be placed back into my account until completely resolved. Chime as well as the merchant were both notified immediately of the unauthorized transactions and as stated 2 have been approved and resolved as they should have been. All transactions happened at the same time however now they are saying that only 2 were wrong. ALL 32 TRANSACTIONS WERE UNAUTHORIZED AND SHOULD HAVE BEEN RRFUNDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This new complain is follow up to original Complaint number XXXX XX/XX/23. 

Rocket mortgage provided a response to my complaint but did not submit evidence to where I told them my home was worth $ XXXX to warrant the additional unexplained loan costs in points to buy down my rate. All throughout they said it was due to LTV being estimated higher than actual but who set this estimation. Figures should not be guestimated at the expense of the borrower especially when the borrower clearly did not value their home at that amount. There should be initial phone conversation with the loan officer XXXXXXXX XXXX proving this during our first few conversations. May have been discussed during our very first phone call. I am do a credit for misleading practices. One my home was never valued that high by myself and two it was never explained that if the appraisal came back significantly lower affecting the LTV the loan costs would go up nor the explanation of how a difference in LTV would affect the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account on XX/XX/XXXX with personal banker XXXX XXXX. There was a promotion with opening an account and the bonus was {$500.00} for a balance level of $ XXXX. The balance had to be deposited within 20 days of account opening and the balance had to be maintained for additional 60 days from the XXXX day of opening the account. I deposited {$30000.00} on XX/XX/XXXX. I have not received in early XX/XX/XXXX, therefore I reached out via phone and Citi Bank said they did not see a promotion offer in my account. I went to the bank ( branch where I opened the account ) and first, they said no promotion existed. I showed them all the documents I had saved from opening the account and they said they would submit a case to investigate. I followed up today on XX/XX/XXXX and they said no case was reported and they would submit a new report XXXX. I think their practice is unethical and fraudulent. Online there are many reports of people experiencing the same issues.

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 2023-06-12
Company: Upstart Holdings, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Upstart and XXXX XXXX have a paid arrangement, where XXXX XXXX will display rates and amounts for personal loans from Upstart, based on your credit score, and with calculated odds of approval. 

I am trying to consolidate debt, and XXXX XXXX shows 'Outstanding " approval odds for a $ XXXX XXXXl loan at XXXX  % APR, based on my XXXX XXXX. This loan would come from Upstart. When I click through to accept the loan and finalize the process, it takes me to the Upstart website. Upstart then reports that I am only approved for up to XXXX ... annoying, but understandable. However, the XXXX has now jumped to XXXX %! This is higher than the interest rate on the credit card debt I am trying to consolidate. 

This is wildly misleading, and could cause less-informed consumers to inadvertently accept a loan with a much higher interest rate than was advertised. XXXX XXXX has my credit score, and the rates they are getting from Upstart should be taking this into account. Instead, they're bulling a bait-and-switch with interest rates inflated by XXXX % or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express American Express Assurance Company I purchased a product from Amex on XX/XX/23 for {$350.00} and did not receive the product. I have contacted them six times on XX/XX/23 and spoke to at least eight people ( representatives ) and they can not and will not help me. I contacted them via phone and the " chat '' feature online when logged into one of my accounts. I believe there is Fraudulent Advertising in their products/services which should be investigated. Because American Express owns the subsidiary company they are closing the door on my request for either the benefit or a refund. My only recourse is to close my two accounts and cease doing business with American Express after being a cardholder for over 20 years. I do not have words to describe my disappointment and frustration with American Express. I would appreciate any assistance your organization can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First this account was opened with XXXX XXXX and moved to department of education and now with XXXX XXXX  which neither one of these agencies have my wet signatures of a promissory note from both parties and should not be reporting on my credit report and have sent XXXX letters and no response. The original school of loans was closed and sued for defrauding the us government and school was doing illegal things and had to pay and be closed down and now I have lost credit hours and money in this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was a collection account that was placed on my credit report from Penn Credit in XX/XX/2023. I did not have any prior acknowledgement of the debt by phone or a letter in the mail. When I called and spoke with a representative in XXXX, I asked for a validation letter to verify the debt. It took them over 2 months to send the envelope in the mail and when I opened it, it was a complete different persons information. I called when I received the information and was disconnected with no call back. When dealing with individuals personal information the employees should be careful on where they're sending information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know who this collection agency is not have I ever done business with them or been lent any way by this agency for me to owe such debt nor do I agree with this debt on my report as I have never signed anything with such agency. I have told them to not contact me about said debt because I do not owe it yet they still report this debt on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I CALLED EQUIFA, XXXX AND XXXX SO MANY TIMES I CANT COUNT. THEY HAVENT UPADTE MY ACCOUNT. AND ALSO THE CREDIT ONE HASNT DONT THERE JOB TO UPDATE MY ACOUNT. THIS HAS CAUSE DAMAGE TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
While the company did address several old inquiries in my previous complaint, the inquiry in question is not listed in their response. I agree with the inquiries listed in their response letter. They did not address the unauthorized inquiry that should not appear on my report. 

The unauthorized inquiry appearing on my report is dated XX/XX/2023. I did not request any type of financing on this date or authorize any hard pulls on my credit report. I did not enter any car dealerships or apply for financing of a new vehicle or refinancing of my current vehicle.

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 2023-02-27
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent a payment to someone to purchase tickets for a same-day game through Navy Federal Credit Unions app under its XXXX section XXXX When I tried to send the money I received an allert on the apps screed stating the following language For your protection, we placed your payment on hold. Please call us at XXXX to remove the hold on this payment. Your payment will be cancelled on XX/XX/2023 at XXXX XXXX  PST if you do not call us to resolve this issue by then. 

I thought that was strange as I never saw a message like that before and decided to just purchase the tickets through XXXX. A day later I received an email saying the money had been taken from my account. When I called navy federal credit union to reverse the transaction since I never called to re-authorize the funds being sent, they told me it was nothing they can do. I explained that it was fraud because although I initially sent the money once they stopped the payment and said they would only send it once I called to confirm my identity, I never gave the authorization for them to try to push it through. Navy Federal is still saying there is nothing they can do so I am out of my money although I never called to give authorization. Furthermore, the money was for tickets which wont even be valid as the person was not only a scammer but the game has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: HI
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 have a few accounts thats showing in my soft credit report when it was pulled and it is showing that it is open. But wen I called all 3 credit bureau they said its showing on there end as closed and or charged off in full. Im requesting to get my report cleared and off my credit report so I can get ahead in life and make a future. I contacted the company but no responses. Im requesting to clear all open accounts thats suppose to be closed cleared and off my credit report. I will attach attach credit report.

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 2023-03-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received in XX/XX/XXXX a refund check from Comenity Bank for my ( now closed ) XXXX credit card account ( XXXX sent a notice over a year ago that they were no longer accepting purchases using their credit card ). The check was in the amount of {$340.00} and there was no explanation of what the refund was for. I cashed the check and then on XX/XX/XXXX, I get a bill saying that I owe this amount and the explanation was " XX/XX/XXXX Misposted Payment ''. I called the bank and was told to send a letter, which is attached hereto. That amount sounded familiar and I realized that it was the same dollar amount that was disputed in a claim filed with you against the bank by my mother, XXXX XXXX. That amount was paid 2 days earlier than due ( per her bank statement ), but yet the bank ( which had taken over the XXXX credit card accounts from XXXX XXXX XXXX in XX/XX/XXXX ) added interest and penalties to her next monthly bill. 

I do not have the bill ( s ) showing where my {$340.00} came from and requested same in my letter. I was told it would take up to 90 days to resolve this matter. In the meantime, they have on record that I am disputing it so that there will be no interest or penalties incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed on XXXX. So I did dispute the transaction first, and then after a few months chase charged me again. So I call them back to ask them whats going on. They told me that the scammer has provide the document to them saying that they did ship it out or something defer. Even till now I did not receive my expensive camera : ) and one of the claim team named XXXX told to me rudely saying that they are not customer service, and asking me not to call them call XXXX. Its third party teacsction. After a weeks, I call them. They say they already close the case. They are definitely waste my time! And helping scammer in the US to grow stronger. As you can see a single pic without investigate can took your 300 away. Most awful customer service and investigate team ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Resurgent Capital Services L.P.
State: MI
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:
XXXX XXXX and XXXX are reporting an lvnv account to my report that is against fcra law. I was never given the option to opt out, never given charge off form 1099 and also have no contract with these people. This is a violation of 15 usc 1681i and 15 usc 1681s2b along with several other violations of 15 usc 6802 and 15 usc 1692g, 15 usc 1692e and 15 usc 1692f. If this illegal disclosure of fraudulent information is not removed legal action is imminent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-08-10
Company: Key 2 Recovery, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted continuously by Key 2 Recovery telling me I owed money. During that period of time, I was unemployed so they proceed to call my mother, at her employment, multiple times to get in contact with me, even though I did not have contact with her. I was threatened they would keep calling her job until I set up a payment plan. I was forced to make a payment plan but did not know what exactly I am paying for, I just set up a {$50.00} monthly payment so that they would stop contacting my family members at their employment. I have not been provided with an itemized receipt of all my payments over the years. The balance seems to not go down at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
There are multiple accounts on my report that I do not recognize

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 2023-06-12
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to reach out to the apartments whom filed the debt illegally. They allowed me and the other party whom was living there at the time the option to either move out of the apartment by a set date due to me being layed off my job or stay and receive an eviction notice. The deal when we left was that we would have no financial obligations what so ever and no evictions would be applied to our credit. We decided that that was the best overall decision. A few months ago my credit XXXX alerted me that I was debited the eviction. I have attempted to contact the property XXXX a week since XX/XX/XXXX including today XX/XX/XXXX. They never respond to my voicemails when I call from my number and the XXXX time I called from a different number and said my name they hung up and never answered that particular number again. The other party has since gotten the debt removed yet when trying the same action it stays on my credit report.

Company response to consumer: Closed with explanation