BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  extended credit to a fraudulent person for services. acct XXXX. XXXX has passed the bad debt to Credit Managment LP of XXXX TX and they sent me a letter demanding payment. 

First I have not had cable in over 22 years and am XXXX XXXX XXXX XXXX  customer. 
Secondly XXXX did not try to contact me at my permanent address. 
Third I only know XXXX extended this account to someone in Florida which I have never lived there. 
Fourth I have my Credit Bureau files " locked '' down with a pin. It appears XXXX did not perform due diligence to ensure the credit is good and valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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: Account information incorrect

Complaint:
I am exercising my rights under the Fair Credit Reporting Act and seeking a validation of debt of an account that is currently been reported on my credit report. The XXXX XXXX  XXXX account that is been reported on my credit report is what I am speaking of. The account number for that account is XXXX. I am seeking documentary evidence that this account belongs to me. I am also seeking documentary evidence showing the payment history on this account and the amount paid each time on this account. 
If you are unable to provide me with this information then under the Fair Credit Reporting Act then this account should be deleted from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TD BANK US HOLDING COMPANY
State: AR
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:
I applied for car loan online and 10 companies did hard inquiry without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: SUNRISE CREDIT SERVICES, INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill for {$79.00} from XXXX XXXX which I believe I did not owe. I submitted a dispute through my bank and XXXX, which I won as XXXX ended up agreeing to the dispute in my favor. After resolving this dispute, however, I was harassed and called by XXXX nearly every single day for several months requesting this same money that they agreed to drop during my XXXX dispute. They have now sent this to a XXXX XXXX called Sunrise Credit Services. I sent the XXXX XXXX the documentation from my bank showing that this had been settled, and they responded by going back to XXXX who told them to ignore this documentation and continue pursuing me for this money.

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 2022-06-17
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX allowed someone to use my social security number to purchase a cell phone. The individual resides in another state. XXXX XXXX reported me to the collections agency. As a result of their neglegence, my credit score has decreased.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 XXXX  breach, DoD Email Breach,  XXXX XXXX hotels breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: NV
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:
These accounts are not mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called this debt collector in hopes to set up a payment plan or to settle for less due to me leaving many messages and never hearing back from anyone. The interest has went up thousands and I called willingly to hopefully resolve the account. The first employee I spoke to was very rude. It started when they assumed that I would have money to pay off the account at tax time in XXXX because Ill get my return and when XXXX expressed that I wouldnt be able to because I havent even gotten my w2 yet, the employee started to say that they know Ill have it, most us companies 90 % sent them out immediately, after me telling them during the series of questions that I was currently unemployed she repeated that to me in an attempt to put me down by sayin you dont even work because I told her that I have never received my w2 in the first week of XXXX and that employers can send it out by XX/XX/XXXX at the latest. I asked to speak to a manager and the manager ( XXXX XXXX or XXXX XXXX ) got in the phone and was even more disrespectful. She talked down to me again, and then she told me I would get no help resolving the account and no help with the interest and hung up on my face even after I advised her that I was recording the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TradeStation Group, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
TradeStation approved my account and I qualify for a cash bonus in the amount of {$500.00} for making a {$10000.00} to that approved account. Now, TradeStation refuses to honor the terms of the promotion they advertised when I first signed up and are making excuse after excuse to deny it. I have screenshots of the terms, a video recording that I took when applying for the promotion ( as the terms outlined ), chat logs, emails and voicemails- indicating TradeStation is using this promotion to lure investors to their platform - and then refuse to honor the terms outlined. This evidence suggest that TradeStation is aiming to expand their client base under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX  XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a new checking account with US Bank on XXXX XXXX via an emailed promotional code ( pic attached ). The promotion promised a {$150.00} bonus for completing XXXX bill payments within 60 days of account opening. I completed the required bill payments on XXXX XXXX ( pic attached ). It 's been well over the stated 60 days since meeting the requirements for US Bank to honor the promotion. I have contacted US Bank via their XXXX #, as well as visited their local branch multiple times to inquire about this and get resolution to no avail. It was confirmed to me by a local banker that I successfully met all requirements, however was told there was nothing he could do and that an internal department only had control of crediting customer 's accounts. Nothing has come of that. I 've been passed around and given excuses for weeks. I have documentation of the promo code email used to open the account, the qualifying bill payments, as well as a screenshot of the original public offer from US Bank 's website.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. why these items should be deleted are indicated below : Item # XXXX XXXX XXXX Reason for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

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 2016-10-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We have been customers of Chase bank for many years. Last week our debit cards stopped working so we went to the bank to get new ones, only to find out that chase had locked us out of our accounts and was severing their relationship with us. We tried to find out why but no one would tell us, stating only that it is the bank 's choice and they do not have to let us know except through the mail. ( as of one week and two days later we still have not received the letter ) We spent XXXX3 hours trying to find out what was happening but was never given the full answer. We finally were able to talk with someone in XXXX XXXX 's office ( supposedly ) and he was not much help either, although he did let it out which account was the problem. The account in question then turned out to be my XXXX XXXX XXXX daughter 's account. I informed him of that but he stated it did not matter that because I signed for her at the age of XXXX I 'm still responsible. When I questioned him about how they close accounts and do the things they were doing, he said you signed the paper ( not an exact quote but very close ). When I informed him that no one ever told us that the bank could do this he stated " we never disclose that ''. Upon hearing that I informed him that I was a realtor and we can be held liable for not disclosing even minor details in a contract. He again stated that they do not disclose these things. I 'm not sure how they can get by without some sort of full disclosure but this seems to be the case. Because of this we have checks that have been returned even though there was enough money in our account to cover them. 

Things we have found out on our own with no help from chase, is that my daughter made a huge mistake by giving her account info to a so-called employer and they ended up conning her out of several thousand dollars. Because of this they with no warning took our money and closed the accounts. When we contacted the bank to let them know it was fraud they were not willing to help. My daughter offered to pay back the amount she had been taken for in installments but basically they said no and we had to pay it now or they were " turning it over ''. 

We could use some help getting this giant company to be fair. They should not be allowed to get away with not having to disclose such relevant and important information and then to have the audacity to say " we do n't disclose that information '' is at the very least unethical and should not be allowed. Add to it their unwillingness to give any information or even the decency to let us know that they were even going to do such things is just wrong. Any help you could offer would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is my servicer and has misapplied my payments repeatedly. I have been adding an extra {$50.00} a month to my loan with the lowest balance. Their website allows you to direct extra amounts to the loan you choose but they were taking my extra money and allocating it differently than what I directed them to do. I contacted them, thought it was fixed then it appeared they started adding my extra payments to future monthly payments instead of the principal. I contacted them again and thought it was resolved and now for the third time, their website is telling me I don't have a payment due for 2 months in a row on one of my loans. Clearly they are misapplying the extra funds again because there should be a full amount due on both loans every month. I never have directed additional funds toward future monthly payments. I'm fed up with this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 I go to Wells Fargo Bank XXXX XXXX, TX, and fill up a Wire Transfer Request in order that the bank send my funds in my Check account to my bank in XXXX. 
XX/XX/2022 The manager of the fore-mentioned bank phones and says my fundds will be sent in a check to my adress in XXXX XXXX XXXX 
XX/XX/2022 To date there has been no confirmation of the promised action. The manager of the bank does not answer my phone calls nor my emails.

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 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX after being in Wal-mart store and making a purchase, went to place an online order, my information is saved as I frequently order from Walmart on line. this saved information includes my card information and address. I was declined for this purchase, logged on to check available credit as I had made a payment on XX/XX/XXXX. no restrictions, and enough available credit for purchase. Attempted transaction again still declined, due to nature of online purchase and coronavirus I tried to change from 2 to 1 item, still declined. I logged back into check on card and suddenly my account is restricted. 
I was able to make purchase using my personnel account, so issue was not with Walmart web site, or number of items, was not related to available credit as credit on account prior to payment was enough to more then cover transaction. 
I believed issue was a result of me making to payments on credit card in the month of XXXX. I believed this occurred as this was an issue in XX/XX/XXXX. 
I waited until XX/XX/XXXX to call XXXX XXXX, after confirming payment cleared my bank account on XX/XX/XXXX ( this is what I had to do in XXXX ). Called to have restrictions lifted and find out issue. Restriction was lifted an payment did show posting on XX/XX/XXXX. 
when requesting information as to issue was. 
1st advised it was my error entering information on line, again card information is saved on site, so this is not issue. 
2nd was advised it was issue with Walmart site, this is incorrect or I would not have been able to purchase items at same time using at different payment method. 
3rd was advised it was amount of transaction, this is not correct for 2 reasons attempted to change amount ( 1 item not 2 ) and was still declined, and I have transactions in 3 months greater then this purchase amount that did not have any issue processing. 

I again believe this issue is a result of 2 payments in one month, simply because this did happen previously in XXXX, at which time I was assured it would be corrected, I also believe that the customer service individuals I spoke to are unable or unwilling to troubleshot situation and give me an understanding as to why my card is being restricted every other month. 

I was very upset that customer service was implying all issues where mine, I was very upset that if I had attempted to make a XXXX in store grocery purchased for my family of XXXX I could have been declined at check out, embarrassing of course, but more upsetting as I have the money available on my account, and frequently use Walmart card for grocery purchase for rewards on purchases. 


I would like correct and accurate information as to what is causing restrictions being placed on my card, I would like it corrected so I am not in this situation again. I would like to know I am a valued customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Funding c/o XXXX XXXX XXXX has actioned in District ct of XXXX, MI civil collection of a debt they have from the date of XXXX 2015 refused to validate under federal law. This company has acted capriciously to collect on a debt not owed and/or validated to be owed and too refused to validate they have right to recovery of debt for third party by being purchaser of the debt by proof of a valid contract of the debt purchase. These actions also violated the consent agreement XXXX XXXX. XXXX -CFPB XXXX by CFPB administrative adjudication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have sent in all paperwork with this company 's XXXX label that was over-nighted -- we had it notarized by our bank XXXX in XXXX MA and sent it off the following day. As I said this was about XXXX weeks ago now. 

We come home last night- and I see a envelope with my name and XXXX 's with a stamped confidential logo and it is paperwork we already signed for this streamline loan mod and it got to them. WHY have they not changed their website to show we have signed the paperwork as we were told once they get that they would wipe the old existing past due clear and XXXX why WAS IT POSTED OUTSIDE on A DOOR where anyone could pull it off and read our docs that are PRIVATE!!! 

We want answers ASAP -- already got an attorney in my firm to look at what you guys are doing, this is not right -- and I want answers because all you do is lie --. 

Did you lose the paperwork we had notarized and fedexed to you? I would not be surprised as after speaking to your escalation dept you seem to lose a lot. 

So I tested your sight to make a payment of 500 on XX/XX/XXXX just to see what it would do -- you still have the OLD INFO! -- -when I pay the rest the end if the month if that 500 isn't added and or you take the rest I pay and put it towards an old loan that is not the streamlined one that we signed and got notarized and witnesses for you -- then you will be hearing from an attorney ASAP.

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 2022-06-17
Company: Siggi LLC
State: AE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im aware of Omni Financial violated the Military Lending Act, Electronic Fund Transfer Act & I was seeing was there anyway to get reimburse with a check from CFPB. 

XX/XX/XXXX, {$560.00} XX/XX/XXXX, {$560.00} XX/XX/XXXX, {$2500.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX

Company response to consumer: Closed with explanation