BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have had a Bill Me Later ( BML ) credit account for several years and have had no trouble navigating their website to make my payments. BML was taken over by PayPal ( P-P ) within the last year. When I would make a payment after P-P took it over, I would go to the BML website and be redirected to the P-P payment page. Over the last two months I would try to get to the P-P website but I could not get to the correct place to manage my account, check my balance or make a payment, so I would have to go through BML website and would then be re-directed to the P-P website. I found if difficult to navigate the website to find where to get my balance or make a payment. The last time I was able to, this is what I saw. 
PayPal Balance {$0.00} ( available ) Pay Pal Credit {$530.00} ( available credit ) Seeing this, I would think that I had a 0.00 balance due on my account. 
( underneath this line, in a font size XXXX times smaller than the previous lines was : {$120.00} balance due ( which I did n't see until the P-P representative helped me get there ) Today I received a telephone call from a P-P representative telling me that I had not made a payment in two months. I immediately went to the web page, which required the help of the representative to tell me how to get where I needed to in order to find my balance and make a payment. When I got to the page I told her that it said {$0.00} balance. ( which is why I had not made a payment ) She then instructed me further to find the correct place on the website where I would find the correct location of the account balance and make a payment. I take complete responsibility for any original balance that I owe. I attempted to explain that the website was not easy to navigate, especially having never used P-P before this, and that I asked them to waive the late fees, which at this point were {$95.00}. ( the account balance after my last payment in XXXX 2015 was under {$10.00} ) I asked them to check my payment history to see that I had been making regular payments, they refused. After speaking to XXXX different representatives and a supervisor they refused to waive all of the late fees and wanted payment of {$120.00}. I attempted again to negotiate with them but they would not waive the total late fees of {$95.00} I have not had a late payment or not made a payment on that account while it was with P-P to that point. 
I have told them that I will pay the original balance I owe and wanted to close the account. They refused both. I had not heard from anyone at P-P prior to today ( XX/XX/2015 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I check my credit report and notice that I had to late payments on my account from Capital One, I contacted Capital one to inquire about why a late fee was charged and informed them that no payments should be late I had set up a payment arrangement with my bank to have all payment sent directly to capital one. The person I spoke to informed me that they would credit my late fees back and remove the late charges off my credit bureau. The late fees were reimbursed but the late history is still showing up on my credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Balance transfer fee

Complaint:
I purchased merchandises from XXXX with my Amazon credit card. The merchandises have been returned and I have receipt proving that they got them. I called them several times, I emailed all documents to ask them to stop billing me for the merchandises that got. But they s still and they even charging late fees.

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 2021-04-05
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: MA
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 disputed an alleged debt reported by XXXX to all three credit bureau however each time Ive disputed the alleged debt all three bureaus have stated that XXXX has disagreed with dispute and therefore the alleged debt has remained on all three bureaus. XXXX  reporter to the bureaus that I opened and established a loan in XX/XX/2005 with them however I was not a college student. I asked the bureaus what form of verification did XXXX provide to them supporting the alleged debt however they were unable to confirm the documents. I also inquired from the bureaus is there any documents that I could give to confirm that I wasnt a college student and nor that I ever entered a loan agreement with XXXX. I also asked the bureaus if XXXX provided any original signed agreements supporting the alleged debt however I received no response, they were unable to provide that information. I am asking that the alleged debt of XXXX be removed from all three bureaus.

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 2021-04-04
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX has failed to validate debt. From what I can determine they are trying to collect a co-payment that was already paid to the original agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A total of XXXX ( XXXX ) times in XX/XX/2016, fraudulent applications were attempted at Synchrony Bank using my information. Most recently, I received both a letter dated XX/XX/2016, and a phone call near the same date, from XXXX. Both assured me that my personal information had been placed in their internal fraud file. Yet, I received another fraudulent Synchrony Bank application alert from XXXX on XX/XX/2016, the same day as the letter from Synchrony, and also a form letter from Synchrony Bank dated XX/XX/XXXX, stating that another application was run. XXXX attached. Only because I placed a hard freeze on my credit reports, did this latest XXXX fifth ) attempt at XXXX, stop short of placing yet another fraudulent inquiry onto my credit. If Synchrony did indeed place an internal fraud alert for me, HOW DID THIS APPLICATION REACH THE POINT AT WHICH AN ATTEMPT WAS MADE TO PULL MY CREDIT REPORT YET AGAIN?!? THIS WAS THE FIFTH ( XXXX ) ATTEMPTED FRAUD AT SYNCHRONY IN XX/XX/2016, and I had XXXX attempts at any other financial institution. CLEARLY IT IS SYNCHRONY THAT LACKS SUFFICIENT SAFEGUARDS AGAINST FRAUD, even long after they have been made aware of this chronic issue. Again, not a single attempt has occurred at ANY OTHER FINANCIAL INSTITUTION. It is long past time for XXXX to start using legitimate and effective fraud prevention systems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have an auto loan with XXXX XXXX  which was categorized as derogatory and had late payments. This was a mistake by XXXX XXXX  and I was able to resolve the issue directly with XXXX XXXX  and they provided a letter stating that the derogatory information should be removed ( see attachment ) XXXX also mentioned that they contacted the bureaus. XXXX was able to remove the delinquent status, and remove the late payments and removed the redeemed repossession remark. However equifax and XXXX  only removed the late payments and still show the account as a derogatory account and a redeemed repossession remark even though XXXX XXXX  contacted them to have this fixed. I would like for equifax and XXXX  to to make the necessary changes to my account to reflect an open status and not derogatory status and also to remove negative remarks since XXXX already clarified that they are amending the loans payment history to remove all references to the disputed delinquencies on this account ( see attached letter ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
Based on the review of the credit history, i have realized that there was a credit inquiry done by SYNCB/AMAZON XXXX, FL XXXX ( XXXX ) XXXX. I would like to reiterate that i do not remember applying for a credit card with the above referenced company. If there was a 3rd party who attempted to run my inquiry through the said bank, it was done without my consent. 

As such, this inquiry is negatively impacting my FICO score which as a consequence limiting my chances to get mortgage approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: Perfection Collection
State: NY
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:
An negative trademark was placed on my credit report regarding a XXXX account. I have no knowledge of who opened the account or authorized my name to be assosiciated in any way, shape or form with this account. I was never shown any documentation regarding the account or made aware of how my social security number and credit reporting became connected to the account. I was asked to be mailed documentation showing the name of the person who opened the account & was denied. On XXXX, I called and spoke to a representative by the name of XXXX and was told that my name is not listed as the primary person on the account. I never gave my social security to any employee or representative of XXXX. I would like my name and personal information to be disassociated with this account and all negative trade lines removed from my credit report. I do n't even live at the address where the account was opened! What kind of security company does n't take the necessary precautions to get the correction information & Identification of people they are allowing " secure '' access to a home!!!

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
Consumer complaint received 2016-04-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have had repeated problems with PayPal, which has twice now issued me their credit cards without my knowledge or consent ( including a XXXX one now after having directed them to cancel a prior one ). They then link their unwanted credit card to my PayPal account, and make it the primary means of payment. Generally I am able to avoid using their card by switching the payment to my " real '' ( XXXX ) credit card, but I need to remember to click on my XXXX credit card each time I make a purchase, and occasionally I forget. 

The amount I owe on the card is modest ( less than {$50.00} ) but I find this business practice to be deceptive and if it is n't illegal it certainly should be. ( They basically are tricking consumers into using a credit card that the consumer never asked for or agree to have ). I would appreciate you looking into this on my behalf and on the behalf of all consumers. 

Thanks, 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 monetary relief
Consumer complaint received 2015-09-22
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wrote a letter to the company of IC Systems and ashed them to send me something validating this account. Something that proves I am indeed the person responsible for paying this debt. I received a letter back stating that they can not verify that information, so I would like this account removed from all 3 credit bureaus.

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 2021-04-05
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my checking and savings account with CitiBank at the end of XXXX of 2021. There was a balance of {$10000.00} and I agreed to have CitiBank mail me a check with the balance. The representative said that it will take between 10-15 business days to receive the check. Five phone calls and two months later, I still have not received my check. I spoke with multiple representatives and their supervisors, but they can't resolve this issue and do not offer any alternative to sending a check.

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 2021-04-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had fraudulent activity going on my credit report awhile back & called Eqiifax about it & when they investigated on it, they seen it was fraud & gave me conformation number showing that they have removed the 4 hard Inquiries from my credit report & address XXXX XXXX XXXX XXXX that wasn't mine, never lived there. They never removed anything & they can't give me a confirmation showing they have removed it but never did That's illegal & I can file a lawsuit for falsifying documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Merchants and Medical Credit Corporation, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Has contacted me repeatedly via a third party. Insist that they have sent me information regarding a debt. I have never seen the original debt nor the communications from the collection agency because they refuse to send. Agents have refuse to give me adequate information to validate the debt such as account number, original debt amount, company, and dates. Agents will not give me information regarding their agency and its validity such as name and number of who is calling. One particular agent used heated conversation as well as said " I have to pay or else '' and implied I was breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A judgment and a summons QUESTION NEAR WAS SENT TO ME UNDER A NAME XXXX XXXX THE COMPANY IS PALISADES COLLECTION LLC FILED NUMBER IS XXXX the judgment is not mine and they unlawfully filed it under my name XXXX XXXX I also wrote a letter to them and a copy of a police report showing that I been a victim of identity fraud and that this debt belongs to XXXX XXXX. Unknown persons or person

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 2016-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home with my servicer, SPS. I hired an attorney to help me submit my paperwork to my lender. My attorney confirmed SPS received my full and complete application and all financials and that my loan was under an active review for loss mitigation ( Loan Modification ) as of XXXX/XXXX/2016. My attorney again spoke with SPS on XXXX/XXXX/2016 and confirmed my loan was still under an active review. I was previously denied for a loan modification and my appeal was closed on XXXX/XXXX/2016, however SPS told my attorney that another review was open and they were working on it starting immediately after my last application and appeal were denied on XXXX/XXXX/2016. On XXXX/XXXX/2016 my attorney spoke with SPS and confirmed my loan has been under an active review without pause since XXXX/XXXX/2016 and is still currently under review and awaiting a decision. My complaint is that SPS via XXXX XXXX XXXX, recorded a Notice of Default against my home on XXXX/XXXX/2016??? According to my attorney : RESPA Reg x ( 1024.41 ) states no foreclosure action shall be ordered while a homeowner is under an active review for loss mitigation assistance. It appears SPS allowed XXXX XXXX XXXX to order ( start ) foreclosure against me while I am under an active review ( DUAL TRACKING ), my foreclosure process. Another complaint I have is that they have had my application with everything they would need to make a decision since XXXX 2016. They keep stalling, evading making a decision in order to dual track my foreclosure process and then leave me with no alternative once my time runs out and I am foreclosed. I am told they are required by RESPA to make a decision in 30 days or less. Instead they are making up excuses and dual tracking me and after XXXX/XXXX/2016, THIS MONTH, I will face a Notice of Sale. I feel this is not only wrong, but something the DUAL Tracking laws and RESPS Reg X was supposed to protect me from. My attorney states SPS acts as a co-conspirator for the investor of my loan in evading, stalling and dual tracking me PURPOSELY in order to block me from getting help before it 's too late. PLEASE STOP this very bad servicer from hurting me and everyone else they do this to. It 's unethical and apparently illegal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Commercial Acceptance Company
State: NJ
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and i haven't received any investigations results.

Company response to consumer: Closed with explanation