BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-21
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a checking account with Penfed with the anticipation of establishing a joint account with a person I bought a home with on XXXX XXXX not knowing that they were going to do an immediate hard credit pull over the phone without notifying me. I was trying to apply for a mortgage at the same time so this was disconcerting. After being bombarded with emails and paper post I decided to cancel my account almost immediately after. Someone over the phone told me it was easy to cancel and they said they put through the request immediately. I find out today XXXX XXXX that the account was never closed. The reason is because they require XXXX separate notarized documents, a copy of my social security ID, my driver 's license, and a utility bill, just to close a bank account that had {$5.00} in it. They cite the Patriot Act as the reason for doing so, but could not say why. I think this is costly, a waste of time, and extremely misleading to the consumer about the practices of this bank. I think they put these obstacles in place to trap their customers in to an account, as I 've never had difficulties cancelling an account with any institution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had this debt already removed by XXXX different agencies. They investigated and stated it was not my debt. However XXXX still has this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent a XXXX  payment of {$1000.00} for a security deposit to a person claiming to be a real estate agent. They stated in writing that it was refundable but when I asked for a refund they refused to send it. I spoke with Chases claims department on XX/XX/XXXX who said they would investigate it and try to charge the other person back for my money. I got a letter in my bank statements on XX/XX/XXXX that stated no action would be taken and the inquiry is resolved yet they never asked me to provide any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have XXXX prior Capital One Credit Cards showing on my credit report as past due. I called capital one and told them to send me statements, which they have not done. 

I would like them to remove these from my credit report permanently, as I do not own these accounts anymore. My credit score has been completely destroyed due to these misreported items and failure for Capital One to send me any details.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We have here capital one representatives that ca n't do a simple job correctly period. They misinformed me over getting cash instead of making purchases for an extreme emergency situation. These people over at the phillipeens need to be instructed correctly and listen period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Byrider Franchising, LLC
State: WI
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from CNAC in XXXX, WI and they sold a false claim to them in the amount owed by me.

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 2015-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015 I received a email alert from XXXX, a protection service company available through my local credit union. I went to my XXXX account and fount XXXX alerts. They were XXXX about Capital One bank. XXXX different locations. XXXX in XXXX and the other in XXXX. I called them and found out a on-line credit application had been submitted in my name. This application was approved by Capital One as of XXXX XXXX, 2015. They said there has not been any transactions recorded on the account. I have requested them to cancel the account as I did not fill out any application. They said they have done that as of XXXX EST on XXXX XXXX, 2015. I have filed a fraud alert with XXXX. They will contact the XXXX other credit monitoring company 's. I have a fraud alert number available. I also have contacted XXXX, a service company that has resolution specialist that will monitor the situation for me. I went to the FTC web site and it directed me to this site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX a long time ago and cancelled my account with them, returned everything that they asked for and then paid my balance. Now years later a collection has just come onto my credit report for something that has already been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: BlueChip Financial
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got the loan XXXX XXXX, 2016 from SpotLoan for {$800.00} ... .first payment was {$140.00} on XXXX XXXX and then I sent in check for {$800.00} on XXXX XXXX, using a consolidation loan from a local consumer finance company, using my husband 's vehicle. They contended that we still owed them {$350.00} since then. We do not think we owe them anything else, as we paid them back the loan, plus some interest, all within a month. We had email exchanges about the disputed debt in XXXX XXXX XXXX XXXX ). They told us that we were 11 days past due. We could n't pay anything else, as we had just paid off all of our various internet loans with our consolidation loan, and were and still are in the process of repaying that loan. 
XXXX XXXX, a woman named XXXX from XXXX XXXX called my father in-law, looking for my husband or me. She gave him the fie number, and told him that we had to pay. That same day, while at work, I had received a call from her saying that she was from XXXX XXXX and telling me that I owed on a SpotLoan loan, and that I had to pay her {$350.00} over the phone. I did n't have my credit card with me, so I went home to get it and found out that she had called my father in law, even though that day was the first day I had ever been called from them at all. They had also within 10 minutes of calling my father-in-law and me, called my husband 's cell phone that same day. 
I was threatened that she was part of the legal department and she was sent to review the case before sending it off to recoups as a garnishment. Because we had already paid so much at the very beginning of the loan, I was n't sure if she was legitimate. I requested that she send me proof or validation of the debt. I asked that it be sent to me home in writing, not by email. 
I was then called on the XXXX of XXXX, asking if we had received her email. I said no, and noted to her that I had also requested it to be sent to my home address. She said she had mailed it out on the XXXX. I have yet to receive it, and I also have not received any emails. 
XXXX also insulted me because she then accused me of trying to get out of paying by asking for proof of the debt. I believe I have a right to know what they think I owe, since XXXX from XXXX XXXX is the XXXX that is calling us and the address I was able to get from them is XXXX XXXX XXXX, NY XXXX and her phone number is XXXX ext XXXX ... ..she is saying claim # XXXX.

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 2015-12-08
Company: Financial Filing & Reporting, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX States that original company did n't receive payment but could n't state original company. States we have to pay this loan or legal action will be taken against us. She states that I signed up for this account XX/XX/2007 I do n't have any recollection of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was sent an alert from the credit reporting service that I possess stating that a change had been made on my report. I contacted both my attorney staff and the Consumer Financial Protection Agency and wanted to get the correct amount of money that I owed agreed upon to pay and this collection agency sent an incorrect amount to settle of {$270.00} approximately and I did respond until I receive a comply today with my attorney. The credit reporting from XXXX stated that {$400.00} was due yet not document proving the breakdown of this amount was ever provided upon my request and the attorney 's request. This collections agency Amsher has falsified my correct balance due. Today I actually the Amsher Collections Agency and they hung up on me XXXX times. I was trying to get an account number from them and I mentioned that the previous disrespectful agent hung up on me and then a male hung up on me because he did not give me his name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I never signed nor endorsed any contract or applications that created any inquiries with the listed corporations, agencies, and or companies .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. 
I did not authorize the inquiries that are highlighted in the attachment. Equifax refuses to remove the items further sating that the unauthorized inquiries are a matter of record. Additionally, I would like any information that was sent to Equifax from the companies deemed as verification per my rights per 609 ( a ) ( 1 ) ( A ) of the FCRA. I did not authorize the following inquiries ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax also failed to do a proper investigation into this mater further violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: PINNACLE RECOVERY, INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX separate companies : XXXX. XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with Discovercard BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies in XXXX XXXX and have not removed it from my credit report. 

Issue XXXX : Pinnacle Recovery started harassing me about owing money to XXXX XXXX. I do not believe I owe money. Even though I dealt with XXXX Resorts with a timeshare condo, I believe about XXXX, Pinnacle Recovery harassed me from that date but did not submit it to the credit bureaus until XXXX XXXX. Even though the alleged charges date back to approx. XXXX, this is still on my XXXX XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Agents from State Collection Service , Inc. ( SCSI ) have been calling once a month since XXXX regarding an account for which I already have a payment plan set up and am current on. Each time the agent calls I have requested a statement, confirmed my mailing address and have yet to receive any thing in writing from SCSI. After 3 months of requesting statements and receiving no written correspondence from State Collection Service, SCSI has added a collection account to multiple credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CHECK INTO CASH INC.
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a payday loan from this company, I can not afford to pay back right now and they are sending emails that they are going to arrest me and that I am going to jail. they are also stating that they are going to contact my employer, which I do not want them to do because I can get fired for receiving calls like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i want to work something out to build my credit back i was young and did n't understand my limits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: ESCALLATE, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My Adult son was on my medical insurance and the deductible/balanced owed was billed to me not him. He sought medical services and signed the authorization for treatment/payment. I tried multiple times to get this corrected but the company refused to correct their billing information. The bill was paid, however the company refuses to remove it from my credit report. I have tried to dispute it will all XXXX reporting bureaus, however I am being told that because the insurance was in my name I was ultimately responsible for the late payment/collection action. All XXXX credit reporting services refuse to remove it ( last dispute XX/XX/2011 ) because they say the company validated the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-18
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Credit Control Corp promised to send me a report showing debt was written off on XX/XX/2016. And, send within 10-minutes by email a promised paid confirmation that I paid the remaining debt on XX/XX/2016. Today is XX/XX/2016, no paid receipt for the {$1200.00} debt paid by XXXX on XX/XX/2016 or the report showing that the {$560.00} was written off by a creditor has been received. These are proof of payment and normal business transactions. I have been anxious and worried that in today 's technology world, that the payment was not applied to my account ... identity theft, employee theft, etc. I still do not have proof today XX/XX/2016. My wife, XXXX XXXX, is handling this matter for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Experian Information Solutions Inc.
State: TX
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 XX/XX/XXXX I was in a wreck which totaled my vehicle XXXX XXXX XXXX which was deemed a total loss by my insurance company XXXX. Between the dates of XX/XX/XXXX and XX/XX/XXXX I provided all requested documentation to both XXXX and my GAP insurance provider XXXX XXXX. 
Since they were unable to obtain a police report, the claim was placed on hold. After acquiring the police report, they refused to pay the agreed balance until the case was resolved and deemed dismissed. This was communicated to the loan provider XXXX XXXX XXXX XXXX XXXX and they continued to demand payment in full of the remaining balance of {$18000.00} immediately which could not be done. 
I made regular payments up until XX/XX/XXXX and XXXX paid {$12000.00} on XX/XX/XXXX leaving a remaining balance of {$5200.00} which was the responsibility of XXXX XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX fees and interest were continually charged on the account and on XX/XX/XXXX a payment in the amount of {$3100.00} was made to the account by XXXX XXXX based on the original valuation provided directly by the lender XXXX XXXX XXXX XXXX XXXX. Through all of this XXXX XXXX XXXX XXXX XXXX assured me there was nothing I could do and to wait and never mentioned a balance after receiving their payments. When I realized there was still a remaining balance from INTEREST on the account in the amount of {$400.00} on XX/XX/XXXX I immediately organized a payment plan to pay the account and paid the amount of {$400.00} on XX/XX/XXXX. They now display this account negatively on my credit and have refused to remove such remarks though I held up all aspects of my agreement and made all payments as agreed.

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 2016-01-15
Company: Netspend Corporation
State: MO
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
I cancelled the card because I was getting unauthorized Charges, I called Netspend and asked for a new card, I got the card and called to activate, I was told that I had negative {$1.00} and was told that I had not used the card in 180 days ... .Got a new card XXXX I called XXXX/XXXX/XXXX to activate and was told that I have a negative {$45.00} this time from XXXX XXXX, who I have no clue to why I would have a charge. If I have not used the card in 180 days and the card is not activated, how can someone charge to the card, I called and asked for a Supervisor 2 times and each time I was left on hold for 25 to 40 minutes I was also told that the XXXX charge is from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
GOLD KEY CREDIT INCACCOUNT NUMBER : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXPHONE : ( XXXX ) XXXXFax XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : GOLD KEY CREDIT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief