BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In regard to my previous CFPB complaint XXXX beginning with acct # XXXX, I exercised my God given right to cease all communication about this alleged debt. I am refusing to pay this alleged debt ( see attachment ). You stated that the account was secured with collateral using saving from my Credit Builder account. I am aware that federal reserve notes are the United States form of currency but it is not money. And legally you can not pay debt with debt notes. According to HJR 192 of 1933 this act removed the ability to of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt. I am going to need all payments returned in a check or money order to my place of abode immediately. If not you will be violating 15 U.S. Code 1692h. You stated that statements were uploaded to the account. Statement does not clarify this billing error. A validation of debt is requested and I will need this within 5 days of this complaint. ( See Attached ). You stated in the response that I need to contact the credit agencies directly for their specific reporting guidelines and that the information has been reported correctly and can not removed from my credit report. I am aware that a financial institution may not disclose non public information to non affiliated third-parties. Also since I was never given an option to opt out of such reporting this is my written consent to opt of credit reporting for account beginning with XXXX. Also I never gave consent of reporting this alleged debt, which is known as debt parking. If my instructions to opt out of credit reporting for this account can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15. U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15. U.S. Code 6823 ( a ) to fines under title 18 U.S. Code 3751 with fines up to 500,000 for a felony by an organization.

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 2015-05-01
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I have been a loyal member of the US Bank XXXX XXXX Business Visa Credit Card and the main reason for maintaining this credit card and paying the annual fee for the last couple of years has been to utilize the bonus award night feature that comes with this card. On XXXX XXXX, XXXX XXXX has been pulling back the bonus award night feature starting XXXX and replacing it with a free night feature that requires $ 10k spend/yr which I would not be able to utilize as it has excessive spend requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was a victim of a scam. I attempted to explain this to the card company before the payments were behind and the were rude, non-believers, and made fun of the situation. Now I am getting an extreme number of calls from them, over 50 so far just this month. It's XXXX XXXX  and they've already called 4 times today. I feel completely and totally harassed by them and they are causing me extreme 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 2022-06-03
Company: Resurgent Capital Services L.P.
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:
CFPB XXXX ACCOUNT XXXX AMOUNT {$750.00} 15USC 1692e false or misleading representations is a BIG violation you have put false information on credit report.

VIOLATION MY RIGHTS THE LAW IS CLEAR ANY INFORMATION WHAT CAN NOT BE VERIFIED MUST BE PROMPTLY DELETED I DEMAND YOU TO DELETE THE ACCOUNT IMMEDIATELY TO ALL 3 MAJOR CREDIT AND SUB BUREAUS SEND PROOF OF DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: The Regional Adjustment Bureau, Incorporated
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help!

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 non-monetary relief
Consumer complaint received 2016-06-01
Company: I.C. System, Inc.
State: CA
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:
Closed our account with XXXX XX/XX/XXXX. They continued to automatically charge my credit card on file for an additional months bill in XX/XX/XXXX. I called/online chat with them numerous times and was told the money would be credited back when a final bill was issued. I have yet to receive this final bill. I filed a dispute with my CC to protect myself. XXXX tried to claim I owe them this money, after their agents have told me thru repeated conversations ( see attached ) that they would clear up issue and that I did not in fact owe any money ( since it was monies they had over charged me ). Despite continued correspondence with XXXX several times a month since XX/XX/XXXX, they continue to refer me to their 3rd party collection companies. First with XXXX XXXX XXXX, which, after numerous emails to them including copies of XXXX chats, I finally filed a claim with CFPB ( XXXX ) that helped get resolution with XXXX and I thought with XXXX. XX/XX/XXXX, I received a new letter from a different collection company, IC System. I contacted this company by phone and was told that I could not submit proof that XXXX had cleared the matter by email, that I would have to send by mail. I noted I would submit a claim on CFPB. About 1 week later, I gave birth to my XXXX child. I had not heard back from the Creditor, so I hoped it had been cleared by XXXX and there had just been time lag, since I have received nothing but the first letter from IC System. I just checked my credit score ( XXXX XXXX, XXXX ) thru my credit card and have a debt collector issue. IC System and XXXX are the only possibility. I have not been negligent, I have contacted XXXX, XXXX, and IC System at every step of the way as possible. I continue to be told by XXXX that the issue has been resolved and no debt is due by XXXX, only to find out later by written mail that they have escalated the claim to different Debt Collectors. At this point I feel XXXX is harassing me and has cost me hours of my time and much distress in trying to clear up the issue. I do n't know what to do to get them to keep their promises and clear up the Account. I can not continue to waste time corresponding with them, when they tell me one thing and do the opposite. Can you help me to get ATT to keep their word and stop harassing me for debt ( {$120.00} at this point ) that they already promised me was resolved? 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 2022-06-03
Company: PNC Bank N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
We applied for pre-approval on a home mortgage with the PNC Bank. They asked for my credit card number to charge a credit report. I found out later that they charged my card for other customer 's bills and when I complained they finally removed the charges but refused to relinquish access to my credit card. The Lady said that she had the right to charge my card for anything she deems OK. I complained to the CEO of PNC and they have refused to respond. They quoted us an interest rate of lower than 4 %. Then they attempted to ignore the contract and charge us more and even require us to pay {$780.00} for the right to the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information

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 2016-03-08
Company: Paypal Holdings, Inc
State: TN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I ordered a product online from Ebay which I had done many times in the past. Using Express checkout Paypal changed default settings to Bill Me Later. I had an active Paypal balance of over {$600.00} in my account I had no need for a credit card I assumed they would remove the {$9.00} from my balance. I later find out they have opened a credit card, charged me late fees, and interest on {$9.00}. I finally called and asked they close the account. I mailed a check for the {$9.00} that I owed. I called again asking them to remove late fees and interest and they did however they would not remove the {$6.00} interest. This is XXXX % interest on an item in less than 6 months. I feel I was wronged in the situation by being misled into a credit card I did n't need. I now realize they have paid fines for these actions earlier in 2015 but it appears this did n't change PayPal 's misleading practices to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Uber Technologies Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I had been approved for the Xchange Leasing company 's Access program through Uber for a reassigned vehicle lease. The terms were to place a {$250.00} Security deposit, and have active insurance and the car is yours for a weekly lease fee based upon the year make and model to be extracted automatically from your Uber earnings. As someone with damaged credit, and having a small income, the program was a great idea for me to quickly begin to generate a substantial amount of income given the immense demand for uber drivers in XXXX county. I also had previously been commuting via public transport to and from an existing job. So I leased the car to both save money on transport and make more money with the car itself as an XXXX. I paid all the deposits on insurance on last Monday, picked the car up on Wednesday of the same week, and now today is the following Monday. My car is gone. I woke up, walked outside to leave for work at XXXX, and my car is nowhere to be found. I stood there with my keys, started to call the cops and report it stolen when my neighbor tells me it was towed. So I called around to all the tow yards in the city and no one has it. I called the cops back and reported it stolen only to be met with that it could not be reported stolen as it was marked as repossessed. I was then given the number to the repossession agency, who informed me I 'd have to call back at XXXX to find out who ordered the repossession. So as time ticks by I got on call with Xchange Leasing to see if there were any answers to be found and After a 40 minute hold I was told my first payment is n't even due for another two weeks, and that everything was fine but to call back in a few hours and see if someone made a mistake. So XXXX rolls around and I call back the repossession company, to find out that Xchange Leasing had ordered the repossession! So I got right back on the phone and waited another 40 minutes to be told I was wrongfully repossessed, and that I would get a call back so they could try and arrange for me to get my car back which is currently 2 hours away from where I live, with no vehicle. I still have not received a call back, it 's now almost XXXX. I 've missed my day of work, and the time I could have been XXXX for Uber this evening. I could n't even take transport because of the security deposits and not having disposable income. To top it off I suffer from an XXXX and my XXXX is still racing just from those two hours of not knowing what just happened to my new car, source of income, and thinking it was stolen!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Greeting, On XX/XX/XXXX I purchased XXXX ticket in XXXX in order to back home ASAP due to XXXX  invasion in XXXX. It was a personal trip for caring for my parents with XXXX. At the time of ticket purchasing XXXX phone line have been unavailable and on the their site I was able to buy only Business class ticket for {$5200.00} for XX/XX/XXXX. At that point I have no other options. Due to the swift international actions against XXXX  aggressor, XXXX government have closed XXXX aerospace when flight XXXX from XXXX to NY already took off. That plane have been diverted while approaching XXXX continent and upon arriving back to XXXX airport, XXXX issued full refund. 
However, Capital One provided only portioned refund {$3800.00} on XX/XX/XXXX. After my first call to credit card case # XXXX have been opened on XXXX XXXXand I was refunded for {$1300.00} on my Master card # XXXX XXXX XXXX XXXX while investigation in process. I provided with supportive documentation from XXXX invoice as a refund in full. However, On XX/XX/XXXX that charge applied again. Another call on XX/XX/XXXX. Next refund applied on XX/XX/XXXX and than I was charged with same amount on XX/XX/XXXX. On XXXX XX/XX/XXXX I called again and escalation case # XXXX have been opened. I was told I need to call them after XX/XX/XXXX for follow up. This is my last c/c statement and I paid it in full. Basically twice. 
My last call to Credit card took place on XXXX XX/XX/XXXX spent about XXXX min with representative ID # XXXX WHO CONSULTED WITH INVESTIGATOR WHO REVIEWS MY CASE and I was informed I will be contacted within 72 hours about solution. I did not receive any calls neither e mail communication.

At this point I don't see any reasons to contact them again and ask you department to step up. File with entire supportive documentation attached. 
Appreciate your support, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: National Principal Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
NP Group has been calling my phone and leaving threatening voicemails. I only know that they are a debt collector from my online searches. The message says that this is a location and tracing effort on the whereabouts 'my name ' with the last four digits of my SS #. They said that they are allowed under law to contact all references in my file including friends and family. It also indicates that it is imperative where I am this person or not to contact them immediately or action will be taken. I called them back twice and they will not give the nature of the call only that they are a third party interest and need my location. They said they would not cease calling me and would start calling my family members if I did not confirm my exact location and give them my social security number. I 've checked my credit report and there has been no action from this company. I have no oustanding debts and my loan ( car ) is current. They operate under ttwo numbers 1 ) XXXX or 2 ) XXXX. Their address : NP Group, XXXX NY XXXX. They are not registered wth the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Paypal Holdings, Inc
State: VA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent {$250.00} to an elderly relative in XXXX. When they went to pick up the money at XXXX in XXXX, XXXX, they were informed that the money had already been paid out. My uncle never received it and obviously the Bank did not check that the whomever received it had the proper identification. Ever since I started the complain, XXXX has been sending me back and forth to telephone Representatives with no power of decision. I eventually talked to an " Investigator '' who afterward did not respond my calls. Today, more than a month after sending the funds, I still can not recover them or have them disbursed to my uncle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-03
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have reported to FORTIVA customer service every month. I have been in hospital with XXXX  since XX/XX/XXXX I lost my ability to XXXX XXXX XXXX XXXX. I notified this company OVER AND OVER that i was in hospital wiht XXXX and still being affected by pandemic in more ways than one. Now, I call there today to once again tell them that I am still affected by XXXX  as i contracted XXXX  again and am still with the XXXX XXXX XXXX that originated from XXXX I am XXXX XXXX XXXX XXXX  and to try and keep the life i had XXXX XXXX so when i come home i am able to live my life. HOWEVER, THIS COMPANY FORTIVA CLOSED MY ACCOUNT AND SENT IT TO COLLECTIONS EVEN THOUGH BOTH MYSELF AND THE CFPB NOTIFIED THEM OF COMPLAINT PRIOR TO TODAY THAT I HAVE BEEN AFFECTED BY XXXX their customer service now told me they closed my acct on XX/XX/XXXX EVEN THOUGH THE COVID CARE ACT SAYS THEY CAN NOT PUNISH ME FOR HAVING XXXX AND I HAVE NOTIFIED THEM EVERY MONTH AS REQUIRED BY LAW. THEY ARE BREAKING THE LAW AND HURTING MY CREDIT SCORE WITH THEIR FRAUDULENT BEHAVIOR. I DEMAND MY ACCOUNT RESTORED AND PUT BACK IN GOOD STANDING AS YOU CAN NOT PUNISH ME FOR HTE PANDEMIC. I DEMAND ITS IMMEDIATE RESTORAL OR I WANT CRIMINAL CHARGES FILED AGAINST THIS COMPANY I HAVE MADE SEVERAL COMPLAINTS AND THEY LIE TO YOU TELL YOU NONSENSE AND DO HORRIBLE THINGS TO CONSUMERS THERE ARE COMPLAINTS EVERY WHERE I DEMAND THE RESOLUTION NOW. IF THISIS NOT FIXED EXPRESSLY AS I REQUEST I WILL FOLLOW THRU AND I WILL ALSO GO TO NEWS STATION TO REPORT HOW I AM XXXX TRYING TO XXXX XXXX XXXX XXXX I SENT PROOF TO YOUR COMPANY HOSPITAL DOCUMENTS AND ALL AND YOU EVEN EMAILED ME BACK STATING YOU WERE FIXING THE PROBLEM INSTEAD YOU DID SOMETHING ILLEGAL - RESTORE MY ACCOUNT AND PLACE IT IN GOOD STANDING OR I WILL BE FILING CHARGES IMMEDIATELY AGAINST YOU. I DEMAND CFPB INVESTIGATE FORTIVA AND ITS SUPPORTING BANK IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 a 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 explanation