BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-14
Company: CNG HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I leased a treadmill from  XXXX  in  XXXX , MO - the terms were explained to me as being bi-weekly payments with no interest until the loan was paid off in full. I completed all payments on-time, after the final payment according to the plan the register at  XXXX  provided. I was then told by   XXXX    ( the company  XXXX  uses  ) th at I had an additional 2 years of payments needed. They had converted the installment plan to a different lease without giving me any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
( XXXX true Identity theft ) I am a victim of identity theft XXXX   confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XX/XX/XXXX TransUnion file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} Opened:XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX   XXXX, GA 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
Consumer complaint received 2017-06-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello  . ARS collection agency. First appeared on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to   XXXX   XXXX   XXXX   XXXX  . All  XXXX  agencies removed the listings.
Fast forward two years later, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with   XXXX   XXXX   XXXX   XXXX  . Again sent request to validate the debt - tracked of course though the USPS. They again failed to validate the debt. Still not removed from   XXXX   XXXX   XXXX   XXXX  . I do n't recognize the account and they did not se  nd validation of the debt. Not sure what to do at this point.

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the account. This is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Please delete this account : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: AES/PHEAA
State: VA
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:
I am trying to use an XXXX stipend to pay towards my loan. Fedloan has repeatedly refused to accept the payment. When they refuse the request, they leave a message stating that I do not have a loan with them. So I have called multiple times to resolve the issue. Once they denied that they had an XXXX administrator and on another occasion they stated that they did have an XXXX  administrator but that they had no way of transffering me to their XXXX administrator. They claim to not be receiving the payment requests however they are writing the " user does not have a loan with this institution '' messages and have accepted a prior payment of lesser value.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home equity line   of credit ( HELOC ) with Wells Fargo. They currently are the company that holds the mortgage on my home. When asked in person and on-line about the purpose of the HELOC my answer was, home repair, debt consolidation and college tuition. I turned in all required paperwork in a timely fashion and also complied with their request of a copy of a written estimate for the home repair I was considering.
Once all paperwork was submitted, I received a call on   XXXX   XXXX   from the person assigned to my loan application that the application was denied. Her reason was, " you want to use the money for a repair to the foundation of the home '' that was not an acceptable reason for them. She then went into an explanation of how I could max out my credit cards to pay for the foundation work and then apply for a loan from Wells Fargo to " pay myself back '' for the cost of the home repairs. When you read all of the online and published literature from Wells Fargo about their HELOC products, never at anytime do they state that certain home maintenance or repair projects are not   acceptable.

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: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX MAIL ORDER VICTIM!! I purchased a dress online from a XXXX clothing website for {$49.00} using my paypal wallet. After waiting almost 2 months, I was the victim of a bait and switch scam where a merchant from XXXX sent me a cheap replacement ( underwear ) instead of the dress thar I had ordered. I complained directly to paypal based upon their Money Back Guarantee. The merchant, upon contact from paypal, stated that they would refund me the purchase price only if I ship the replacement back to XXXX. The shipping costs would require a further investment of more funds which is a " no win '' situation for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea what they debt is and why it appears on my credit report from   XXXX   Reference Number  XXXX  Date Filed  XXXX  Classification Legal Item Type Judgment Responsibility Individual Plaintiff ASSET ACCEPTANCE LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  OF  XXXX  COURTHOUSE  XXXX , NY  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The name of the credit card comp any is Citi, p hone number  XXXX . In  XXXX   XXXX  and  XXXX   XXXX  I had several phone conversations with them regarding charges for purchases that I did not make. They agreed that I should not be charged and, at my request, closed the account.     Then, on  XXXX   XXXX ,  XXXX , I received an email fro m Citi informin g me that I owed money on a card. Remember, my account had been closed in  XXXX , plus I never and do not have a card ending in the  four digit s shown on the email. I called immediately and was transferred twice and complained to  Citi about th is. Finally, a customer service rep put me on hold for an hour while he " checked into it ''. He said there was no one in the office that could help me at that time but he would call me back the next day. He never did.     Then on  XXXX   XXXX ,  XXXX , I received yet another email telling me that my charges have INCREASED TO {$97.00}. The amount of money is not the issue. The issue is this is fraud. If I pay it, what assurance do I have that they will not continue to charge me for more cards that I do not nor never did have?     I called  Citi a gain on  XXXX   XXXX ,  XXXX . They told me there was not even a record of my complaint regarding the  XXXX   XXXX ,  XXXX  email but that the " system '' indicated I owed money on this card I never had. Again, there was no one in the office that could help me.

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 2017-06-14
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MEDICAL DATA SYSTEMS INC is t rying to collect a medical debt amount of {$520.00} and they have placed the debt on my credit report. I had a procedure done a  XXXX   XXXX   XXXX  and I have medical insurance and paid my deductible as well as a bill that arrived at my home. On  XXXX   XXXX ,    2017  I checked my credit report and see that MEDICAL DATA SY STEMS INC is trying to collect a debt I do not owe and they have placed this information on my credit report.

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 2022-02-01
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Please see the enclosed document " Time Line of XXXX XXXX  Gadget Issue ''. This document will provide a short summary of the issues on this case. 

On XX/XX/XXXX I received the enclosed letter from Chase indicating that they intended to honor the payment to XXXX XXXX that I had cancelled. Chase honored the payment to XXXX XXXXXXXX without consulting with me or sharing the documents that they had received from the " merchant ''. I have asked for copies of the XXXX  XXXX documents from Chase on at least 3 occasions beginning on XX/XX/XXXX but Chase has not provided them to me. 

Why would Chase honor the payment to XXXX XXXX when the issue is my personal debt and should not have been accepted by Chase? 

I wrote to Chase on XX/XX/XXXX and formally asked for copies of the documents and their reasoning as to why the XXXX XXXX claim was paid. Did they verify that the XXXX XXXX Claim was now owned by XXXX XXXX XXXX? What documents do they have to verify the ownership of the claim?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to submit my yearly documentation  to Navient for Public Service Loan Forgiveness. The only information on the Navient page directs customers to go to studentaid.gov to learn about PSLF. Once at the student aid page it explains what PSLF is and that you submit your yearly application to your loan servicer ( which would be navient ). Navient has an entire page for the documents you can upload from forbearance to income based repayment but there is NOTHING on where you can submit your PSLF documents. This makes it extremely difficult for public servants drowning in student debt to do our part in submitting the correct paperwork, and work toward debt relief after  10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
capit al one 360 has close d my checking account ending  XXXX  without giving me any reasons or communications. They also refuse to release the fund of {$3000.00} in that account, claiming that the originating bank of those fund has to pull those back, which is absurd and virtually not possible for me as a consumer to realize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was buying concert tickets. Was in conversation with women who said she would send tickets through ticketing website. I sent funds never received tickets and now have been blocked. This happened on XX/XX/2022. I sent {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was  denied a Synchrony BP Gas ca rd in  XXXX   XXXX . I applied a second time and they pulled multiple credit reports against my credit, The fraud department removed  XXXX  inquiry but would n't remove the other inquiries from  XXXX  and  XXXX  credi t Reports. Synchrony Bank had all   XXXX   credit bureaus notified that I committed fraud by applying for BP credit account. How can I commit fraud when it was me the consumer applying for credit? I still have fraud alerts on my credit reports with   XXXX   XXXX   XXXX   XXXX   to this day all because I asked them to remove those excessive credit pulls! It gets even better now that I provided some history with applying for BP Card with Synchrony Bank. Received an preapproval for BP Gas card via em ail around  XXXX   XXXX . Like a fool I applied again since I was preapproved. I ended up again getting declined. It gets even better. I received an letter from Synchrony Bank dated  XXXX   XXXX ,  XXXX . This letter stated that I was declined in error for BP Gas card I applied for back in  XXXX   XXXX . There was an attached letter stating all I had to do was sign the letter and send it in and I would received the card as long as it was sent in 30 days. I mailed letter twice because there was  XXXX  different post office box address for  XXXX  Florida where I was suppose to return the signed letter in order to receive my BP Gas Card, I have been a customer with this bank for many years. I currently  have a Walmart, Amazon and American Outfitters accounts with this bank, I find this banks behavior totally unprofessional and will be filing additional complaints.

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 2017-06-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened the  XXXX   XXXX   XXXX  card in  XXXX   2017 . It came with a  XXXX    XXXX   points bonus for spending {$4000.00} in the first 3 months. I fulfilled this requirement in the first 30 days. The bonus points posted to a different   XXXX   account which was no t mine. American Express ign ored the   XXXX   account specified on my application and substituted it with a different number. I have contacte d American Express by  phone and spent cumulatively hours dealing with this, each time they assure me the problem will be corrected over the next business day  or two a nd it never gets fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03
Company: ONLINE Information Services, Inc.
State: MS
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:
4 years ago I moved from XXXX  to XXXX  . I told XXXX XXXX  to disconnect my power. they did not and continued to bill me. I called them and they said they would take care of it. They did not as 2 years ago I was contacted by a collection agency and I told them it was a billing error. They then reported it to the three credit reporting agencies. I disputed it and it was removed as not being valid. 
XX/XX/2019 I get a call about the same XXXX XXXX  debt. ( {$420.00} ) from a representative of Online Information Service. She said I owed {$420.00}. I explained to her it was not a valid debt and was a billing error. conversation got heated and I hung up. Next thing I know on XXXX XXXX I get alerted that a " collections '' was reported to XXXX, XXXX  and XXXX. Online Information reported as a NEW collection.I am in the process of buying a home to close on XX/XX/XXXX. My credit scores were XXXX, XXXX and XXXX. They had plummeted!. I panicked, called and paid the {$420.00}. They said they could not remove what they reported. Later after I regained some sanity I found out it is illegal to report OLD debt/collections as new. It shows on my credit reports as NEW. I feel their actions exploited me as I am a XXXX year old XXXX XXXX Veteran, which is also against the law in N. Carolina where they are located. 
Since reporting old debt/collections as new is illegal they need to immediately remove everything they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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:
Fair Collections and Outsourcing  was sent a certified letter on  XXXX   XXXX  requesting validation of said debt. Letter was picked up at USPS on  XXXX   XXXX  at  XXXX , A final goodwill letter was sent on  XXXX   XXXX .     Fa  ir Collections and Outsourcing has failed to provide me any evidence. I have maintained a careful record of communication with them in which they have failed to respond within 30 days.
Fair Collections and Outsourcing are in violation of federal laws under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and the corresponding state 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 2017-06-14
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
disputed false information reported on my  XXXX  credit file, agency verified item as placed by   XXXX   XXXX   XXXX  .   this company placed false info on my file, made up a {$50.00} debt in an attempt to damage my credit. they never sent me a notice just put false info on credit file. i have no medical debt.   as a veteran i use va,  XXXX  and have supplemental insurance to cover all.   this must be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My bank mailed Comenity - XXXX XXXX XXXX XXXX XXXX check number XXXX on XX/XX/22 and XXXX from Comenity ( ID XXXX ) said they still haven't received it and how would I like to make the past due minimum payment of {$160.00}. I said I'm not past due and that I send XXXX XXXX monthly payments and this is the second time Comenity said I didn't mail a payment. I have good credit and this has become a monthly job calling them which is ridiculous. They actually cashed a previous check and deposited it in a Bank of America account and asked me to prove that I made the payment. So here we go again. Yes, I have proof that my bank sent the payment. I asked to speak with a supervisor XXXX XXXX XXXX. I asked for an email address so I can have proof of all this going back and forth and nonsense. There is no email or direct number. This company has no accountability whatsoever. She only provided me with a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I said what happened with my automatic payment that was setup on XX/XX/22? She said let me check. No, you didn't set up automatic billing. I said yes, I did. I even have an email confirmation and I was afraid the check and automatic billing would cross and I would have {$600.00} coming out of my account. She said you could set that up now and you can write a letter to the XXXX XXXX XXXX : your prior check. I have absolutely no problems with my other credit cards and believe this is one big scam to hit me with late fees and high interest rates after the introductory period passes. I have proof of everything. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation