BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: Airtm Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been experiencing an ongoing issue with Airtm, a financial service provider specializing in money transfers and virtual currency. Despite my attempts to resolve this issue through their customer support, my communications have been disregarded. Specifically, my messages were moved to a new ticket and previous unanswered communications were deleted. I have documented the conversations anyway. 

Furthermore, under the pretext of 'Know Your Customer ' ( KYC ) verification, my account was unexpectedly locked, hindering my access to my funds. Not only has this been inconvenient, but it also raises serious concerns about the security and reliability of Airtm 's services. 

In addition to my personal experiences, I have found numerous similar complaints on XXXX, indicating that other Airtm customers are also experiencing issues. The primary concern is Airtm 's tendency to hold customers ' funds for extended periods without providing clear reasons or adequate customer service. 

This pattern suggests potential fraudulent practices on Airtm 's part and a failure to uphold standards of professionalism and customer service. Despite giving Airtm ample opportunities to address my concerns, the issue remains unresolved. Given the gravity of the situation and potential legal implications, I am seeking an immediate resolution and assurance that such unprofessional conduct will not be repeated. 

Should the issue not be resolved to satisfaction, I am prepared to take further legal action if necessary. As a legal professional, I am fully aware of my rights and am prepared to defend them to ensure that my case, as well as those of others who may be in a similar situation, are appropriately addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was not protected by Chase Bank and their third party affiliate XXXX. On XX/XX/XXXX I was purchasing concert tickets from a friend and was told to XXXX ( since its used through each parties bank ) the amount of {$1200.00} for the tickets. Come to find out that the tickets were not real and after the recipient did not return the money chase was unable to help me. I filed a claim on the XXXX of XXXX and was told that Chase bank would update me on the status of my claim. It has been well over their window of 3-5 business days and they did not update me and I had to call chase and have them tell me that I was informed of the wrong protocols and procedures with the claim and that they could not help. Chase bank and XXXX has failed me with trying to recover this issue since I have had a high standard with chase and XXXX and have never had a fraud issues or banking issues in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ran my credit as if they were a creditor and they may have obtained credit, Im not sure. However, they ran my credit 3 times and they are debt collectors, Ive never seen a debt collector run credit. They are not providing credit to me, so, why, would they run my credit? Weird, and a violation of my rights. I never gave permission to portfolio recovery solutions, to run my credit. Not even once, we never spoke, they never asked and I did not give them my personal information. This company was partially the reason I was denied for a home equity loan and a USDA loan to start a farm. Now I have nothing and I cant complete renovations on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CL Holdings LLC
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:
TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX, IM HAVING A PROBLEM XXXX XXXX XXXX XXXX BACK IN 2018 THEY PUT A 30 DAY LATE ON MY FILE THIS YEAR AND THEY WHERE PAID OFF, THEY SAID I OWED XXXX DOLLARS AND I DONT, AND THEY WILL NOT TAKE IT OFF. I CALLED ALL THREE CREDIT COMPANIES, AND THEY WILL NOT HELP ME. IM FIGHTING XXXX XXXX AND THIS IS VERY HARD ON ME. AND THERE ARE FRAUDULENT INQUIRIES AND A COLLECTION ON MY CREDIT FILE THE NAME IS XXXX XXXX XXXXXXXX IN THE AMOUNT OF XXXX AND I DONT KNOW WHAT THIS IS.ALSO JEFFERSON CAPITAL SYSTEM AMOUNT XXXX I WILL ATTACH MY FTC REPORT WITH ALL OF THE INQUIRIES AND THE FRAUDULENT COLLECTIONS ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit line of {$300.00}, XXXX credit card was opened in my name on XX/XX/XXXX. However, amount owed is {$610.00}. A company Debt Recovery Solutions , LLC sent me a copy of the statement XX/XX/XXXX. I have tried repeatedly to contact them via phone and email to resolve this. Wanted to know what where the spending habits to see if maybe someone close to me did this. I was unsuccessful. No one ever answers or returns phone calls. Tried reaching XXXX as well, by phone and internet, they won't do anything for me. Opened an account with identitytheft.gov to see if I could resolve this. I was instructed through identitytheft.gov to send letters which I have to both XXXX XXXX XXXX and Debt Recovery Solutions , LLC .Letters were sent out XX/XX/XXXX. I received letter from debt collection XX/XX/XXXX. I am just learning about this. I'm curious as to why this collections company is now reaching out to me four years later. I shouldn't have to pay for credit I never used. My credit is not the best but I am very aware of what I truly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
im not liable for this debt with XXXX XXXX I do not have a contract with PORTFOLIO RECOV ASSOC numerous letter was sent out requesting the original contract and all I received was a bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Nelnet, Inc.
State: AZ
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, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor May not treat a payment on a student loan account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail dated XX/XX/2023 stating that Debt Recovery Solutions were trying to collect for XXXX XXXX XXXX XXXX XXXX XXXX. Believing this was a fraudulent letter, I did not respond as I did not recognize that medical facility. I also reviewed the medical facility who has multiple fraudulent reports similar to this. I then received another letter on XX/XX/2023 stating I owed the same amount. ( {$620.00} ) but could pay now for a discount ( {$460.00} ). Again, I believed this to be fraudulent mail. This account was opened on my credit report on XX/XX/2023 for dates of service on XX/XX/2023. I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX through an automated system to find my account or billing information to no avail. The system could not find me. I then resorted to the XXXX. I submitted a XXXX claim on XX/XX/2023. It was closed on XX/XX/2023 due to a lack of response from the company. I then submitted a dispute through XXXX on XX/XX/2023 stating that I had no knowledge of this account. It was updated on XX/XX/2023 stating Dispute information was verified as accurate. Today ( XX/XX/2023 ), I contacted XXXX XXXX. I spoke with 4 people : XXXX and XXXX ( supervisor ). Two of the individuals hung up before I could verify the names. All of these individuals looked up my information and informed me that I was not in their system. XXXX checked both the emergency medicine system and their general system and noted that I did not have an account there. Following these calls, I contacted Debt Recovery Solutions multiple times via phone attempting to speak with someone about this credit. I received no answer. I was unable to leave a voicemail. I was unable to be redirected. Given that XXXX XXXX has no record of me, I am inclined to think this is, again, fraudulent reporting. I would like for this collections report to be removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Niagara Restitution Service Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a call from my employer that XXXX XXXX called stating I was in trouble and to avoid having sheriffs come to work to XXXX me they needed information about me. My supervisor did not give the lady info but called me. So I called and she was extremely rude and said I needed to pay her XXXX right now or she would send it to legal and garnish my wages. I kept asking her for more information and that was making her very angry. She did not want to me to call and verify anything and because I wanted to verify some information before continuing the conversation she screamed at me that I had a XXXX past and she was pushing it through to legal. It was for a credit card for {$300.00} from XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-27
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023, I opened a savings account with U.S. Bank under the impression that I would be getting monthly fees. I never heard of a bank charging monthly fees for a saving account, and certainly not if they're a XXXX. When I called the customer service agent, she had the audacity to tell me that I have to bring my overdrawn balance of - {$10.00} back to {$0.00} in order for her to close my account. Not even her supervisor can override these charges. U.S. Bank is a thief. They've been taking my hard earned money every month since XXXX and I didn't even realize. And they have the nerve to require me to bring my balance back to {$0.00} on top of the {$10.00} fee they keep charging my account every month? Even when my savings account was {$50.00}, they gave me a fee reimbursement that first time on XX/XX/2023. They need to return all the money they stole and close my savings account or I'm filing a lawsuit. I'm reporting this to the FTC and the Financial Regulator in their state.

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 2023-06-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
in XXXX XXXX XXXX, we made a {$500.00} payment on our Old Navy credit card. During the processing time Old Navy got bought out by Barclay. Barclay claimed that we never made the payment. During the very long process of trying to get this straightened out, we kept making our payments so our credit didn't get messed up. Eventually we got a credit consolidation loan and it paid off all credit debits. Barclay would never agree to the previous {$500.00} payment and essentially we we double paid. We have tried repeatedly to resolve this with Barclay but they will not budge. Even with bank statements and multiple phone calls proving the payment was made, Barclay refused to acknowledge the transaction. Barclay owes us {$500.00} and a groveling phone call apoligizing for being such XXXX XXXX  about this situation. At this point it's not even a matter of the money, it's a matter of principal. I will take this all the way to a small claims court if they do not do the right thing.

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 2023-06-28
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: Account status incorrect

Complaint:
On my credit report there is an account in derogatory and it shouldnt be stating that for transunion. And there is an address for Georgia that i have never lived at before and they wont allow me to take it off

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 2023-01-12
Company: Receivables Management Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my cardiologist hooked an XXXX XXXX XXXX XXXX to me that I had to wear home for XXXX hours then return it by mail to the device owner XXXX XXXX XXXX. XXXX incorrectly billed my XXXX XXXX XXXX ( XXXX ). XXXX eventually paid 100 % of the bill but XXXX then turned it over or sold the debt to Receivable Management partners ( XXXX ). Now XXXX continues to contact, threaten and harass me by phone. Each time I inform them that I have a statement from XXXX informing me of the XXXX balance but they tell me they dont care and despite me telling them to not contact me anymore. The last call from XXXX was today ( XX/XX/XXXX ). I myself and XXXX have both contacted XXXX several times to handle this and nothing seems to get solved. I want to know what action you can take and what actions I can take due to the harassment and threats from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Genesis FS Card Services, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving copies of my credit report I found this debt under Indigo-Celtic Bank , XXXX XXXX XXXX XXXX , Genesis FS Card Services , and XXXX XXXX . I do not recognize any of these. I requested debt validation and was sent back a copy of statements where the charges were in another country. I have not visited another country, nor do I have a passport to do so. I tried sending the companies a letter explaining this and have gotten no response. This is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX Solutions ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy.

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( Chapter 7 included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.

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 2023-06-28
Company: CCS Financial Services, Inc.
State: NJ
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:
According to the fair credit reporting act, XXXX  the company CREDIT COLLECTION SERVICES located at XXXX XXXX XXXX XXXX, MA XXXX XXXX has violated my rights. 

As of XX/XX/2023 this was still reporting on my account 15 U.S.C 1681 Section 602 A States I have a right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a written account without my instructions 15 U.S.C 166 B : A creditor may not treat a payment on a credit card account under a open end consumer account for credit plan as late for any reason

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-06-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit file, I am writing to dispute the incorrect account in Exparian, and XXXX. 

Experian XXXX XXXX Bankruptcy XXXX Court : US BKPT CT NJ XXXX XXXX XXXX XXXX Bankruptcy XXXX Court : U.S. Bankruptcy Court

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 2023-06-28
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have two credit cards with Aspire XXXX and XXXX Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received payment for work I did in my PayPal account at the address, XXXX. They have placed a hold on the money for no reason. They have stolen my money. I have no access to my money. I demand the immediate ability to transfer my money as I see fit. They need to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Prosper Marketplace, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted Prosper Credit customer service. I when from a by weekly pay date to monthly. I asked to change my due date. This the first time I made the request. They told me that their system needed updating and would not allow the change in due date. My credit card contract with them stipulates that I have the right to change the due date every 365 day period. I put a complaint in before and the never responded. I requested a complaint ticket number for the current complaint # 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