BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: FISERV INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/21, there was an unauthorized charge on my checking account from XXXX XXXX XXXX. I do not have that cellular service, therefore I called my bank and they reversed the charge and said they would investigate the matter. I haven't heard from them in writing as they promised. A few days later I received a letter from XXXX thanking me for choosing TeleCheck XXXX by Phone to by the service fee/deductible for a recent Protection XXXX Claim Number XXXX, mobile XXXX, lost device, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX This is clearly not me, I do not have that mobile number, my cellular service provider is XXXX.The payment details on the letter are disturbing, because they show my name and address. The authorization date is XX/XX/21, date of draft is XX/XX/21. I tried to call XXXX but they wanted my SSN and other PII that I was not willing to provide. 
Today I received a letter from TRSRecovery services, notice of unpaid electronic transfer. I called the number provided and the person online also wanted information I wasn't willing to provide. He recommended that I complete a fraud report on their website. I went to their website and again, they are asking for my SSN, etc. I do not feel comfortable doing so. I received the runaround trying to call XXXX XXXX, and tele check. 

Please help me resolve this matter Thank you

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 2017-05-17
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted b y Hunter Warfield rega rding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: NY
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:
Today I received the results from XXXX credit reporting agency that confirms from there re-investigation into a dispute I had about 2 things on my credit report. There re-investigation shows that these 2 accounts were deleted off my credit report and are not reporting anymore. However experian and XXXX  are still reporting these 2 accounts that do not belong reporting. Obviously XXXX has done the re-investigation as the problem has been corrected.i an complaining about experian and XXXX because they should have received the same response as XXXX  did. The company would not tell XXXX to delete them and for experian and XXXX   to keep them. The answer is the same across the board.

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 2021-11-18
Company: BARCLAYS BANK DELAWARE
State: CO
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:
Frontier Airlines closed my Frontier Barclays Credit Card due to inactivity. When contacted, Barclays representative stated that they typically send a written warning to card holders notifying them of the pending closure unless they utilize their card within 30 days. I received no written notice ( no notice of any type ). My current Frontier Barclays Credit Card is valid through XX/XX/23 ( if it had not been closed ). Frontier offered to reopen my credit card for an annual {$79.00} fee. I believe Frontier/Barclays closed my " no fee '' Barclays Frontier Credit Card to force me to a Frontier Credit Card carrying a {$79.00} annual fee. I would like my old Frontier Barclays Credit Card reopened. This seems like an unlawful action by Frontier Barclays Credit Card. Thank you.

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 2022-03-23
Company: EQUIFAX, INC.
State: AZ
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 was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: ENCORE CAPITAL GROUP 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:
My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXX XXXX and they asked me to contact XXXX XXXX which it took over the account of XXXX XXXX XXXX according to the Bank. XXXX then ask me to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued by the Moore Law group. They claim to represent XXXX  XXXX XXXX for an old credit card debt. I was never personally served by the Moore Law Group and they served someone at an old mailing address I do not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: BB&T CORPORATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In  XXXX  o f 2017, I appl ied to get my home refinanced. My house was appraised for {$130000.00} but my de bt - income ratio was too high. I paid off a sifnicant portion my debt and reapplied to refinance my house with BB & T,   XXXX   XXXX   in S C  : BB & T is  my current mortagge holder. I was told my debt income is ok but I needed to do another appraisal. They appraised my house in  XXXX     2017 and  I am told it was appraised for {$120000.00}. They denied the loan based on new appraisal. They are refusing to send me a copy of appraisal even after several requests.

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 2023-09-08
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
there was a store card from discount tires with a joint application with my information that i did not approve of i don't know the individual who tried to apply for a line of credit in my name

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 2022-03-23
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello. My name is XXXX XXXX. My number is ( XXXX ) XXXX. I have recently been the victim of fraud by the Venmo application. You may or may not be aware of the Venmo application made by Paypal to send money from individual to individual using linked bank accounts and debit cards, similar to XXXX. 

Recently on XX/XX/XXXX, my friend XXXX XXXX was having issues with this application. She had {$300.00} in her account but was unable to utilize the instant cashout option to deposit the money instantaneously into her account for I believe a 1.5 % hit ( this is a service Venmo usually offers ). However, since it was unavailable to her and she needed money immediately, she sent me money through Venmo, I successfully was able to withdraw the money instantaneously into my bank account, I withdrew it as cash, and I gave it to her. I took the 1.5 % hit since I was the one utilizing the instant withdrawal service. 

This past weekend, I received an email from Venmo. I have attached it for your reference. We attempted to debit the disputed amount of a recent chargeback filed by your buyer, but you did not have enough funds in your Venmo account to cover it. Therefore, they froze my account and say I must pay them {$300.00} to recover my account. 

I spoke to this friend of mine - its my best friends sister who also happens to be on her way to becoming a doctor. She stated she did NOT request a chargeback and there is no money in her Venmo account. So they did not give her the money back and they expect me to also pay them {$300.00}. This is completely inappropriate. My friend XXXX has also stated she has been having problems with Venmo. This is a pattern. I am afraid that if I dont pay Venmo this {$300.00} that they do not deserve, that my credit score will start going down. Please help me to fix this situation. I emailed Venmo, replied to their email, I called, I chatted with their agents, and this problem has not been resolved. Everyone I speak to keeps saying they will escalate but I have not received any emails indicating any escalation. I dont know where else to turn. I believe Venmo could be doing this to others as well and want to make sure its isolated at the very least and not a pattern of fraud. Thank you kindly for looking into my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
In summary : Best Buy ( CITI ) repeatedly overcharged me late fees & placed derogatory information ( late ) on all 3 credit bureaus. After making numerous attempts at contacting them they realized their errors & credited me back all paid monies. They however, have not corrected the credit reports. When I contacted XXXX, Best Buy ( CITI ) could not provide a date when I was supposedly 30 days late. Below is XXXX XXXX results. I've also attached detailed description of what lead up to their original mistake. 




From the XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Dear XXXX XXXX : This is in reference to your complaint against Citi. Your complaint was assigned ID XXXX. 

While we regret we were unable to reach your desired resolution, the complaint has now been closed in accordance with XXXX  policy. Your complaints closing will be described as follows in the companys XXXX XXXX XXXX : The business responded to the dispute but failed to make a good faith effort to resolve it. We understand that your concerns may not have been resolved to your complete satisfaction, so you may now want to pursue this matter through an alternative resource. To view a list of agencies you may wish to contact for additional assistance, please visit : XXXX XXXX XXXX 
Your complaint will be included in the company 's XXXX  XXXX XXXX for three years and be used to evaluate the overall performance of the company.

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 2017-06-01
Company: EQUIFAX, INC.
State: FL
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:
Hello, Thank you for your complaint  XXXX  about EQUIFAX, INC..   We reviewed the complaint you submitted and sent it to the company for a response. The company responded that you may have been a victim of fraud.  [    XXXX   XXXX   XXXX   XXXX  !!!! im the victim and equifax is the fraudster!! ] thank you for your admission of GUILT, Equifax can not respond with clarity, they are THE PRIMARY REASON FOR BLOCKING MY ACCOUNT WITH  XXXX !!! AS THE EVIDENCE CLEARLY SHOWS, AND THE NEXT COMPLAINT WILL BE AGAINST THE CFPB FOR ALLOWING THEIR  XXXX   XXXX  RESPONSE NUMEROUS TIMES!!!!!!!!! THIS IS UTTER  XXXX  THE WAY MY COMPLAINTS GET CLOSED WITHOUT A VALID RESPONSE WHE N IM SH OWING TANGIBLE EVIDENCE OF THEIR CRIMES!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the following accounts with erroneous information : JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00} ; JPMCB CARD XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received a copy of my XXXX credit report and noticed PennyMac marked my account 30 days delinquent for XX/XX/2021. 

Notably, during this time- my account was in a COVID-19 forbearance status. My loan has since been modified and I have restarted payments. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company calls daily, sometimes under spoofed numbers, sometimes up to twice a day. During work, during dinner. The most recent was around noon from XXXX. Once I answered when they called under a spoofed number in my area code and the operator was rude and misleading, saying that I needed to contact the original creditor to work something out. I couldn't even verify that this is indeed my debt, I think it belongs to my brother. Before I hung up on the operator, I explicitly said " Please do not call me again. '' I still get daily calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,   XXXX   a collections hit my credit report  XXXX  and  XXXX  for {$500.00}.   Once I received the notification I contacted the debt collector Midwest Recovery Systems for   XXXX   XXXX   XXXX   XXXX   XXXX  . I call ed MRS and s poke to a representative to get written verification that the debt belongs to me. I wanted something with a signature that I actually received and applied for the loan. They were able to send me this information instead they sent me a letter from them claiming the debt was mine and provided who they purchased the debt from which they could not give me any contact phone number, the date it was supposedly deposited in my account, the date the loan was taken out.   .With that information I did more research.I called  XXXX   XXXX   XXXX   XXXX   to p rovide the written verification. I called  XXXX  phone numbers I found on  XXXX  which were known working finally found a cell phone number for  XXXX   XXXX . Asked him to provide the written information and he could n't. He just gave me the same informati on MRS provided.   XXXX  then sent me a text stating to offer MRS {$100.00} to settle the account but that is not the action I want I want this collections removed from my credit report. He then stated do not tell them he told me this but they brought the account for pennies on a dollar and they would settle. I then proceeded to pull my bank statements from  XXXX  -  XXXX  to find where the funds were deposited into my account. I found no proof. I tried to contact  XXXX   XXXX   XXXX   XXXX   XXXX  and they no longer exist this company was out of  XXXX . All I am asking is for them to provide written proof and if they ca n't remove the collections from my credit report. I am uncomfortable sending banks statements to provide the proof that I never received the funds. If I need to do so please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery i s attempting to collect a debt in my State of Michigan which they are not Licensed or bonded to collect such debts. I just got off the phone with the Attorney General 's office which stated to me to take the complaint to an attorney. I also contacted  XXXX  and they stated that they are not in the system as well. This is new information that I just recently found out. This is my last attempt to have them remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit Management paid in full still on my credit file XXXX XXXX XXXX XXXX I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. 
XXXX XXXX paid in full is still on my file XXXX XXXX paid in full still on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.

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 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The Bank of America recklessly disregards its own rules, regulations, and policies with regard to the over-draft protection I have with this dishonorable bank! 

One of my checks was dishonored and the merchant charged me {$35.00} but the Bank of America adamantly refuses to reimburse me for this {$35.00}. This even though the Bank of American gave me over-draft protection and readily admits that I have over-draft protection. 

My repeated complaints about this have gone nowhere with the Bank of America which with its tens of thousands of employees has no idea what to do that is, reimburse me the {$35.00} that the merchant refuses to cancel! 

The Bank of America by its actions has ruined my excellent credit standing with the merchant who now refuses to accept any of my checks. 

The Bank of America shows no remorse and assumes no accountability. The Bank of America in this matter is must about as trustworthy as a three dollar bill! 

Truly scandalous!

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