BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I called to find out where my CA meddle class tax refund card is in XX/XX/XXXX to find out it has been sent in XX/XX/XXXX. They said it was compromised and will send the replacement card. I received the card and found out {$680.00} was fraudulently spent and balance of {$14.00} was left on the card. I called the Money Network who issues the card and they said to file a dispute. I have filed the dispute and they denied the dispute and I was told to appeal the decision. I have filed the appeal and it was denied again. I called and was transferred to escalated team who told me to provide more information and appeal the denial. I asked them what kind of information do they need and they could not provide any answers or request of additional information. What kind of information can I provide when my card was stolen and was used ay XXXX and XXXX XXXX XXXX according to my card statement. Obviously I am not the only one that has been scammed out of refund and card company is not willing to assist me with getting my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a realtor and I need phone service. I went to XXXX and signed up for service and they made me get one of their phones. I went all in and of course XXXX promised the best reception. Well as soon as I got home I had nothing but trouble with their so called, " excellent service ''. I could not receive calls, text or do just about anything I needed on my phone. I had in fact missed several calls from a client ; who went with another realtor due to the inability to get a hold of me. I missed a couple of days worth of text due to the connection problem. I called XXXX and they said that they do no town the cell towers and that they are old and need to be upgraded, do their is not much they can do. This went on for several weeks until I walked into the store on XXXX XXXX in XXXX and gave them back all their equipment and told them to cancel me account. Apparently they canceled my account but never checked in the equipment. XXXX has the equipment somewhere and they want me to pay for it. OK! 
Then lets go after XXXX for the listing I lost due to no reception. Houses at let 's round it off to a easy XXXX dollars. With the 4 % commission I charge that would be {$40000.00}. Yes! I like that and I can have the client I lost show up in court. They didn't move that far away. 
You may take the {$1600.00} out of my settlement. Actually no they get nothing for this garbage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I tried accessing my account online and was unable to do so. On the same day I called Citibank and spoke to XXXX and XXXX XXXX XXXX said that he was a supervisor ). XXXX told me that he could not help me. 

I would like you to help me get this issue resolved.

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 2023-08-04
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I took out the loan, I was told the PMI would be dropped when I had enough equity in my home. I have met the requirements for removal of PMI and rocket mortgage refuses to drop the PMI, unless I pay {$190.00} to have an inspection. I originally paid XXXX XXXX  for the home, and financed XXXX. The balance on the loan now is XXXX XXXX The value of my home has increased in the XXXX range. Even if that were not so, the current balance of my loan XXXX XXXX meets the requirements to drop the PMI and I should not have to pay a fee. 
Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Admin Recovery, LLC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A gentleman by the name of XXXX XXXX, from XXXX XXXX, called my XXXX XXXX XXXX XXXX XXXX XXXX  ; after I had already spoke to his associate a week early and gave him all the information for the law office I am using to help settle my debt. He had everyone in my family scared to death thinking something had happen to me. I got his phone number from my XXXX  and called him back and explained I had already spoke to someone at his company about the debt and gave them the information for my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a Phone call from someone claimed to be a collection agency trying to forced me to pay a debt. I told her that I didn't recognized the debt she was referring to and I need her to send me a letter of validation and I never received it. Now they sent my name to collection and I want it removed due to not following protocol and not giving me an opportunity to either dispute or pay. Also requesting a disciplinary action against this company for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Denefits LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2023 I made a small payment of {$50.00} due to saving money for my XXXX XXXX XXXX sons XXXX. Ive explained this to the company. The representative let me know that on XX/XX/XXXX I will receive a follow up call but instead a payment was taken out for the amount of {$270.00} without my consent. There was no payment schedule established and they used my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ended up in XXXX XXXX in Oregon in XXXX. They started billing me in XXXX, but they never billed my insurance company. I contacted them XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, they never billed ins, with each request. On XX/XX/23, I received a Final Notice letter. I contacted a lawyer on XX/XX/23. A letter was sent requesting they send me an itemized statement and bill my insurance. XXXX XXXX  did not respond. XX/XX/XXXX received a debt collector letter. I responded on XX/XX/23 that I disputed the debt because insurance hadn't been billed, nor had they responded to the attorneys request. 
On XX/XX/XXXX I received a phone call from the collection agency asking how I was going to pay this debt, again I told them XXXX XXXX had not completed their obligation to bill my insurance and I was told this would be going against my credit. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Collection : CMRE Financial Services XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Elevate Recoveries, LLC
State: OH
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 hope this letter finds you well. I am writing to raise an important issue that pertains to the Fair Credit Reporting Act ( FCRA ). 
Under the provisions of the FCRA, specifically 15 USC 1681 section 602 a, there exists a crucial need to ensure that consumer reporting agencies, such as XXXX and XXXX, fulfill their obligations with utmost fairness, impartiality, and respect for consumers ' right to privacy. 

However, it has come to my attention that certain actions undertaken by these consumer reporting agencies may be in violation of the aforementioned principles. This is deeply concerning and raises questions about their commitment to upholding the rights of consumers.

Given the importance of consumer reporting agencies in maintaining accurate credit information and protecting individuals ' privacy, it is crucial that appropriate measures are taken to address any potential breaches or misconduct.

I kindly request that you thoroughly investigate the practices of XXXX and XXXX to ensure compliance with the FCRA. It is imperative that these companies fulfill their responsibilities in a manner that prioritizes the rights and interests of consumers. 

I appreciate your attention to this matter and your efforts in holding consumer reporting agencies accountable. I trust that you will take the necessary steps to address these concerns and maintain the integrity of the credit reporting system. 

I am writing to bring to your attention a matter of utmost concern, which involves a violation of the law.

As per the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any person to provide inaccurate information about a consumer to any consumer reporting agency, if they have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Investment Retrievers, Inc.
State: TX
Product: Credit reporting 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 Is allowing XXXX companies by the names of XXXX XXXX and Investment Retrievers to report the exact same collection account, They are not complying with U.S. Code 1681 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made numerous attempts to get answers on this situation, i did not apply for any car loan, as they claim, nor have i know the co-buyer on this loan. Speaking to Bridge crest i was never give the location of where this loan was opened. i was never given any paper work with my signature attached to it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX ... .. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management Services , Inc 15 U.S. Code 1692c- Communication in connection with debt collection. Without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt. NCB Management Services , Inc is contacting me at any unusual time and place which is inconvenient for me, as well as embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made a " validation of debt '' request via a recorded phone call to XXXX to " Cedars Business Services '' on XX/XX/XXXX at XXXXXXXX XXXX  PT. I called after receiving an email from " Cedars Business Services '' on XX/XX/XXXX about a debt from XXXX I did not recognize. This call was recorded, and I was told that this debt would be placed on " hold '' and I would receive validation of debt via email. I NEVER received the validation of debt. Per California consumer protection laws, this validation of debt had to be provided within five ( 5 ) days. On XX/XX/XXXX 100+ days from the initial validation of debt request that was never sent to me I received an email alert from XXXX that my credit score had been affected by debt collection. Furious, I called another phone number registered to " Cedars Business Services '' at XXXX at XXXX XXXX  PT and asked why I had not received the validation of debt within the required timeframe and " Cedars Business Services '' had illegally submitted debt collection to my credit report. I received no clear answer. Once again, this call was recorded. This is well past the five ( 5 ) day legal requirement of validation of debt. Upon requesting the validation of debt once again, I still have not received it. As the laws indicate, " Cedars Business Services '' has violated consumer protections for two reasons : 1 ) Upon initial request on XX/XX/XXXX, they did not send the validation of debt within five ( 5 ) days ; 2 ) As mentioned in a recorded call with a representative of " Cedars Business Services '' on the aforementioned date of XX/XX/XXXX, the organization at " Cedars Business Services '' had illegally put debt collection on my credit report despite never sending validation of debt as promised over email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
ON XXXX XXXX I CREATE AN ACCOUNT FOR TRANSFER MY MONEY ( XXXX ) FROM XXXX ( XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  XXXX. MY MONEY DIDN'T ARRIVE SAFFETELY THEY SEND ME REQUIREMENTS OF MY PERSONAL INFORMATION OF THE ACCOUNT IN EMAILS. THEN MY DEBIT CARD THAT WAS PROVIDED FOR MAKE THE TRANSFER, THEY TRY TO MAKE CHARGES IN DIFFERENT STORES OF CALIFORNIA IN XXXX I WAS VICTIM DE SCAM OR FRAUD AFTER THEY MAKE THE CHARGE APPROVED BY ME. MY MONEY WAS DEBITED FROM MY BANK ACCOUNT ( XXXX ) WITHOUT AUTORIZATION. VIOLATING MY SECURITY INFORMATION THEY GIVE ME A RESOLUTION OF REFUND MY FUNDS. THE NEXT DAY THE TOLD ME THEY WON'T REFUND ME BECAUSE WHAT HIS AGENTS SAID WAS NOT GUARANTEED IN THESE DAYS. AGENTS HANG UP MY CALLS.AND DIDN'T TRATE ME WITH RESPECT. MY XXXX BANK ACCOUNT IS NOW IN INVESTIGATION OF XXXX. I DONT HAVE ACCESS, I WAS TRYING TO LOOK VERY CLOSE WHAT HAPPEN AND I GUESS I HAVE A XXXX ( PHONE WITH XXXX  ) I CONNECT TO A LOT OF WI-FI IN AIRPORTS AND ONE OF THE COMPANY REMITLY STOLE MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX, XX/XX/2023, I applied with American Express via the phone and was approved for their XXXX XXXX XXXX American Express XXXX credit card product. 

On that same day, I spoke with their customer service agent to confirm my eligibility for that card 's welcome bonus promotional offer. 

That customer service agent 's name was XXXX, and they worked for the XXXX XXXX XXXX department XXXX American Express. They re-confirmed that I was indeed eligible for the welcome bonus promotional offer. 

By XX/XX/2023, I had accrued enough purchases on the credit card product to meet the spending threshold for the welcome bonus promotional offer. Yet on the latest card statement, I did not receive the offer as expected. 

I escalated my case to American Express directly on XX/XX/2023. I received the following case number : XXXX. I called American Express again on XX/XX/XXXX and was informed that their internal department closed my case without any further resolution or goodwill effort to compromise. They stated the reason for doing so by quoting a discretionary / vague section of their terms and conditions, despite the fact that I was verbally assured in a recorded conversation that I was entitled to the welcome bonus promotional offer. 

The agent on the phone refused to help me any further and instead could only give me the investor relations address of American Express : " XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX '' They told me I should write a paper letter to escalate my grievance further. 

I did not find this to be an acceptable outcome nor a proper escalation of my case, so instead I am now initiating a CFPB complaint. 

Personally speaking, I feel like I've been scammed into using American Express 's credit card product and helping their bottom line with the fees that they charge merchants as part of their general business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Betterment LLC
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I contacted Betterment Financial LLC Support to file a dispute with the XXXX XXXX XXXX XXXX XXXX XXXX that Betterment uses for their checking account product. As outlined in the attached document, there were four ( 4 ) unauthorized charges totaling {$590.00} against my checking account via the unauthorized use of my Betterment debit card on XX/XX/2023 and XX/XX/2023 at an unknown XXXX store. My debit card was in my possession and had not been lost or stolen. It's unknown how the unauthorized party obtained the debit card information to include my address. On XX/XX/2023, I received the attached letter from Betterment informing me that the debit card used was complete with the " CVV2 '' code and my address. Betterment concluded that these charges were '' ... authorized transaction ( s ) and benefit was received. '' based on the completeness of the debit card information used for these purchases. The letter further stated that the investigation was closed based on the report from the nbkc bank and no reimbursement of {$590.00} would be forthcoming. I did request copies of the documents that were relied upon to render their decision as offered in the Betterment letter. Upon receipt of a heavily redacted documented ( attached ) there were no details on the document that could assist me in disputing the unauthorized charges with the exception that although the address matched the debit card used, the ZIP code " ... does not match. '' This error was not challenged or discussed by Betterment other than to ask me to confirm the correct ZIP code. After several emails back & forth with Betterment it was apparent that their decision was final. I stated I would be closing my checking account because I couldn't trust the bank decisions on any future disputes. Betterment offered to assist in closing my checking account. I declined their offer and will close after I can redirect any further deposits into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
After my father passed away, it took a over a year to get the courts to name me as executor of the estate. Admittedly, the account has not been paid as the estate has no assets. I am in the process of trying to sell the home to pay off what I can on the mortgage. Mr. Cooper calls me on a weekly basis. I have tried to update them and have been very open about the issues I have had. When I can't answer, they leave a voicemail with a number to call them back. When I call back, I get an automated system that says " Thank you for calling Mr. Cooper, it appears you have reached us by mistake, your loan is serviced by Mr. Cooper ''. I get past that message and then hit an automated system that tells me to enter the last 4 of the SS number or the account number. I am unable to get past this. I have been lucky a few times and have actually been able to reach a person. I have no idea why it worked. Most times, it's just 20 minutes of an automates system telling me that they need to verify my info before they can speak to me. Today, I somehow actually got a person who told me they were calling because they needed a copy of the death certificate. I have provided this ( via email with proof ), 3 times already. I sent it again. I asked for help with the verification system and they said they can't. I asked for a supervisor and was told that my call would be sent over to escalation. After 20 minutes of not being answered, I hung up. Today I spoke with a woman named XXXX. I am trying my best to settle this account. If Mr Cooper is going to continuously call me and leave messages with a number that I can not call back on, I feel they are simply harassing me and trying to make it look like I am not being responsive. No one at Mr Cooper will help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Payfare International Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I set up a payment to XXXX XXXX for {$90.00} and was charged a fee of {$1.00} to do so. The payment was never received by XXXX XXXX and XXXX XXXX will not send me proof that the check was sent or cashed. 
I have called many times and am told the same thing, just that it posted. It posted the same time i sent it because it withdraws right that moment, not when the check is cashed. They should not offer a service to send paper checks and then provide no true verification that the check was cashed. 
I want a copy of that cleared check or I want my {$91.00} dollars back.

Company response to consumer: Closed with explanation