BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-15
Company: ACS Education Services
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I spoke to a collection agent for ACS on XXXX XXXX. I informed the agent that I could my make my payments at their current amount. He informed me that, due to using 6 months forbearance in this calendar year XXXX it started in XXXX of XXXX, but they have my application date as XXXX XXXX ) I was ineligible. I asked if there were any hardship programs or reduced payments available. He put me on hold, came back a few minutes later, and said that they could apply forebearance to my account, starting now and running through XXXX XXXX. He went took more personal information and went through scripting asking if I still intended to repay the debt at the end of forebearance. I answered in the affirmative and he assured me the matter was resolved. 

I received a call again today, XXXX XXXX, telling me my account was still past due, and that I was ineligible for forbearance of any kind. The agent told me that a supervisor had spoken to me last time, and that she was sorry for his mistake. I thanked her for her help, but informed her of my dissatisfaction and told her I intended to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I am writing to dispute 9 late payments and a collection/charge off status on my Chase credit card ( # XXXX XXXX XXXX XXXX ) My late payments started during hardship. Due to the pandemic I lost my job in XXXX XXXX XXXX. My late payments started on XX/XX/XXXX and went all the way until XX/XX/XXXX when I was able to accept a settlement of from Chase because I had just received employment that would begin in XXXX of XXXX. I would like for Chase to consider that I was an excellent customer before the pandemic. I never had a late payment. 

The senate has, unfortunately, left it up to lenders to decide if they will do the right thing and delete late payments and collections due to the pandemic. I ask that you do the right thing nd delete this account entirely, or remove the late payments and collection/charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The error is being reported via XXXX. I was not given an option of verification. The information is not accurate. I need the amounts and dates of the balance verifying this erroraneous info It seems this is an error.

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 2022-07-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened an account to transfer XXXX to be paid {$700.00} to keep the amount for 90 day. When I opened the account they just provide me XXXX account which it has been charging me $ 30 month when my saving was under {$50000.00}. At the time of opening they didn't offer any other saving account for not charging {$30.00} under the required amount. There were no explanation for my to choose a different account not to be charged. 
I have been charged {$30.00} since last XX/XX/2021. I visited the bank and closed my account with the bank. 
I believe they have to explain other option to the clients other than what they like to offer.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-10-12
Company: Centric Asset Management Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Centric Assest Management called and said I owed a debt of XXXX from 2011 which they said I signed ion the Internet they will not provide proof and they said with interest now I owe {$1800.00} and I need to pay it immediately or they will take legal action against me. I never signed for a XXXX loan on the Internet and I never received anything in my bank account and do not owe this!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a response from the collection agency that they have ceased making contact with me but I just received another call. These egregious collection efforts for invalidated/paid debt need to stop. Otherwise I will seek punitive damages!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I used my Chase debit card to pay XXXX XXXX Credit Services {$200.00}. 
On XX/XX/XXXX, XXXX XXXX Credit Card Services reversed the {$200.00} credit. 
I have asked Chase repeatedly why they reversed the {$200.00} credit. 
I asked an attorney to send Chase a letter asking this question. The attorney sent Chase a letter on XX/XX/XXXX and Chase has never responded to the attorney. 
I have included detailed letters and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted CFPB regarding National Credit and XXXX XXXX XXXX regarding an apartment I rented and because of that complaint, the company has stated on my credit report that I made a payment. This is totally untrue, I have not made a payment as I do not believe I owe them at all. They have 2 accounts on my report, in the amounts of {$3400.00} and {$1000.00}.
National Credit continues to make false statements on my report. When is it okay for them to report false information on credit reports?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There are two parties involved in this complaint, XXXX and Barclays. I initiated two transfers on XXXX XXXX and XXXX XXXX for {$1000.00} each, from Barclays account to XXXX account, but I immediately cancelled the transaction of {$1000.00} of XXXX XXXX on that day itself. 
Then on XXXX XXXX I initiated a transfer from XXXX to Barclays which reached my Barclays account on XXXX XXXX. 
There seems to be a reduction of two {$1000.00} from my Barclays account but only one deposit of {$1000.00}. 

When reached out to Barclay 's they say that the money was requested to go the XXXX account and was sent. They did not receive any cancellation notice and hence carried out the transaction. 
When reached out to XXXX, they say that when a transaction is cancelled, they never pull the money from the requested account. Hence the missing case of {$1000.00}

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 2022-07-25
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a complaint in reference to the Nationwide recovery services. They have been listed on my consumer report fraudulently. I have never received any agreements or documents verifying these accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: SQUARETWO FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: AE
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:
Credit check to the XXXX XXXX Credit Bureaus company name- XXXX XXXX XXXX  The inquiry was not authorized.

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 2022-01-21
Company: EQUIFAX, INC.
State: AE
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:
Credit check to the XXXX Major Credit Bureaus company name- XXXX XXXX XXXX  The inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Recovery Agent Collection Date XX/XX/2020 Attempting to collect a debt without validation

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 2017-09-10
Company: EQUIFAX, INC.
State: CT
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:
Equifax, the company I had no contact with as a consumer, failed to protect my personal information and put my identity at risk for the rest of my life. They have taken steps to limit my ability to sue them in case my identity is affected or as a part of a class action lawsuit. Three of their top executives between the time of the breach and the public disclosure, sold shares that were not a part of the company 's financial plan. These actions are egregious and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo close my Account due to me filing a consumer complaint. They close my account without sending me a Cashier check to close my account with a XXXX balance.

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 2015-11-01
Company: Sykes,Bourdon,Ahern & Levy, P.C.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed for Chapter XXXX bankruptcy XX/XX/XXXX with XXXX XXXX Attorney : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX Virginia XXXX, VA XXXX, XXXX : XXXX ). XXXX my creditors, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, VA XXXX ), was included in my bankruptcy. XXXX XXXX Apartment 's representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, TX XXXX ) was notified of the bankruptcy filing as well. The Meeting of Creditors was held XX/XX/XXXX XXXX at the Office of the U.S. Trustee ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ). No creditors turned up to the meeting or filed to object to the discharge XX/XX/XXXX so the discharge was granted XX/XX/XXXX. 

XX/XX/XXXX, I noticed that the direct deposit that I received from my employer, XXXX ( also listed under XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX ) was short. When I went to work that same morning, I check my paystub online and saw that I was being garnished. The garnishment was listed under XXXX XXXX XXXX XXXX. I went to the court website XXXX and found that XXXX Apartments, represented by Sykes, Bourdon, Ahern & Levy P.C XXXX ( Address : XXXX XXXX XXXX, XXXX XXXX Virginia XXXX, VA XXXX Phone : XXXX Fax : XXXX ), was granted permission to garnish me. In fact, the website shows that they filed for this on several dates including XX/XX/XXXX ( after the filing date ) and XX/XX/XXXX ( after the date of discharge ). I immediately sent copies of my bankruptcy discharge paperwork to both XXXX and XXXX XXXX XXXX so that the garnishment could be removed. This would be the second time that XXXX parties would be notified by me of the bankruptcy filing. I was not notified by any of these participating parties ( the creditor, the creditor 's representatives, my employer and the payroll company ) that I would be garnished. I am still waiting to receive a copy of the order. 

This unwarranted, undisclosed and illegal action has caused some financial issues to occur. My prescheduled car payment with XXXX XXXX Bank returned. This caused my bank, XXXX, to assess a return check fee in the amount of {$29.00}. XXXX XXXX Bank assessed a late fee in the amount of {$30.00} to my account. In addition to this scheduled payment, I still anticipated the availability of funds for other expenses. This action was completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: GA
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 Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act 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 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 2020-06-19
Company: KAHRS LAW OFFICES, PA
State: KS
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:
XXXX XXXX ... kar Law firm it was paid in full though my bank account still is not off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was making a small purchase with my PayPal account, when the product I bought was defective, so I logged into my PayPal account to submit a complaint to the company I purchased it. From there I noticed my PayPal Credit ( which I never wanted ) had a large balance, {$1400.00}, as I looked into it, someone was able to rack up that amount in gift cards back in XXXX ... I never any type of notification or phone call from PayPal about these transactions that all happened on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: SYNCHRONY FINANCIAL
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother received a call from XXXX XXXX XXXX which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this one individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$3000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be remove because According to 15 USC 1681 : I Have the right to privavy and i did not give equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX - XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I deposited {$50.00} with Coinbase. I made {$38.00} in transactions. There should be {$11.00} left in my account from this deposit. My balance is {$0.00} USDC. 

Further, the balances detail on Coinbase says I have {$17.00} available. If you add up the assets, the total value is not {$36.00}. The balances of each asset ads up to {$19.00}. 

They ghosted my money and they are absolutely NO HELP in retrieving it. I did not send USDS to anyone. I deposited money, used the Coinbase card for 2 transactions, and withdraw {$13.00}. Thats it.

I want my money back.

Company response to consumer: Closed with monetary relief