BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: Resurgent Capital Services L.P.
State: PA
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:
Dear XXXX, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who LVNV FUNDING LLC is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: PA
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:
Dear Equifax, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who XXXX XXXX XXXX is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
All my collection accounts show account open. Per FCRA, a collection account can not report a collection as open account. I want all collections removed. This is a violation of the FCRA. All these accounts have errors. I want these accounts removed. Not closed as other accounts I disputed. I want these accounts removed. All three Credit bureaus are allowing these accounts to be in violation. Im tired of being defrauded. I want to sue all these collection companies. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The branch manager at Bank of America in XXXX XXXX is in desperate need of XXXX followed by retraining as to her obligations as a manager, fiduciary representative and customer service provider. XXXX the branch manager not only lacks basic mediation skills that are required of such a position but also the knowledge to adequately perform her duties. She was rude, uncouthed and seemed to be uneducated in basic fiduciary duties. A seemingly simple transaction turned into a 5 day hassle with XXXX roundtrip visits to the actual branch and 3+ hours additionally in telephone transactions. In all of this may i add she never bothered to return a single phone call or respond to the XXXX meshes i left her. In the end, my actions on good faith were of no consequence causing only frustration, financial expense, a XXXX hold of my funds AND she got a new account out of me! The attempt to validate my less than satisfactory experience with Bank of America on XXXX XXXX, XXXX XXXX, CA. left me only MORE disgruntled. These people obviously care less than an iota for the people they claim they aim to serve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Netspend Corporation
State: DE
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I received a letter in my mailbox from netSpend out of XXXX, Texas it is a Prepaid MasterCard that you can load your full or percentage of your paycheck to. This company even provides you with a Routing number XXXX and an account number XXXX through XXXX, ( this is not my information it is theirs ) I believe they are in XXXX XXXX, South Dakota. The thing about this prepaid card is in order to set it up you have to enter the XXXX digit card number and then the # key. Then they ask you for your SOCIAL SECURITY NO. and DOB. You can not speak to anyone at this company until you do those following steps. What makes this situation weird is I am unemployed and as random as this card is there are over XXXX complaints on line from people who have given this information on line and have lost their paychecks and have bills that are past due. 
I actually put in a fake SS no and a fake DOB to see what would happen and I was able to give the card a XXXX digit pin. What makes this bad is after I spoke with this company over the phone I got an email where someone had changed the pin number. This company is in the business of scamming people out of their paychecks by making them use their financial institution to deposit their money. Many people are not aware that this tactic is illegal. The mention on the letter that they do not accept printed checks, they do not accept deposits via wire transfers, if you do they will return the check to you or destroy it. Only the person on the card can make the direct deposit. The note directly under the card says " I indicated that I had an interest in the card and that is why they sent it to me ''. I have never heard of this company nor did I intentionally or unintentionally ask for this card- so that is a lie. Once a customer signs up for this card giving them their social security number the company now has access to your credit and all of your other banking and credit reports. They take money from your account, add stop payments to other bills to other companies and put stop payments out on you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I created a loan XX/XX/XXXX initially with XXXX which was later purchased by The Huntington National Bank. 

The problem began in the course of a divorce settlement and I was dismissed from responsibility from the loan. I received the loan marked paid and also received a cover letter acknowledging the loan being paid in full, the letter was dated XX/XX/XXXX signed by XXXX XXXXXXXX XXXX. 

Since then collection efforts have been made and the debt is still shown as outstanding on the three major credit bureaus. 

I have the original note marked paid and the letters acknowledging the obligation being paid in full. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Netspend Corporation
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I signed up with net spend and then signed up for their direct deposit depositing well over XXXX a month. I also was told by ace checking cashing to enroll in plan that charges flat fee each month where I wo n't be charged per transaction. I never pay attention to my net spend account until lately in which I noticed they been charging me a dollar per transaction when I called their customer service to be enrolled in flat fee each month. They are refusing to listen to call and refund me. The second card I got I automatically called and did the same thing and enrolled in XXXX this year. If there rep made a mistake and did n't enroll me not my fault and they need to refund me. Tired of this company that has nothing but foreign people who do n't speak good XXXX and who are rude as ever

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am writing this missive to complain about unfair collection practices of a law firm, Andreu, Palma, Lavin, Solis. Apparently they represent a collection agency. They sent me a letter XX/XX/2016 informing me of their representation of a debt collector. I IMMEDIATELY wrote a letter attempting to understand who they were and who they were representing as well as any facts germane to this collection. I never received a reply from them, even though MY letter to them requested a reply so that I could understand their contention. I never received a reply from them. XX/XX/XXXX I reached out directly to XXXX XXXX who is a partner in the aforementioned law firm. He acknowledged receipt of my letter and admitted that he willfully and intentionally ignored it as he " thought these questions had already been answered ''. Are n't creditors obligated to respond to the person with whom they have a dispute with in a timely fashion? Are they allowed to ignore legitimate requests for information? How can I defend myself or even proceed to negotiation if I am not in possession of all the facts. The answer is, I can not! I would like this to be resolved by your agency. I want this debt to go away and any public record of this action to be expunged. I believe it is illegal to ignore a good faith request for information. Please do n't allow these predatory firms the right to ignore correspondence that seeks answers. It is a corruption of the system enacted to protect consumers. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/XXXX I paid cash to my Wells Fargo Bank for a cashiers check to pay my mortgage. Mailed a cashier 's check for {$1500.00} to my mortgage company the same day. By XX/XX/XXXX the cashier 's check still had not reached my mortgage company. I did talk to my mortgage company they told me to give it a couple days mail was slow because of XXXX. I then waited till XX/XX/XXXX to see if they received it they had not. That's when I went to my bank to have a stop payment put on the check. That cost me {$31.00} at my bank .The Wells Fargo representative that I placed the stop payment with told me that I would have to wait 30 days before the money would be refunded to my account, and that I would not have to come up to the bank personally. Now on XX/XX/XXXX my mortgage company sent a letter to me stating notice of return check for the sum of XXXX have been returned to us by your bank for the following reason stop payment. XX/XX/XXXX would have been the date for the {$1500.00} to be put back into my account which do not happen. I keep getting the runaround from the bank and my mortgage company. My bank keeps telling me I need the original check so they could refund my money and a mortgage company keeps telling me they sent my bank a photocopy because mortgage company destroyed the original check. Bank says pretty much photocopy won't work and it may take three years to get my money back do I have any recourse? 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 2016-10-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had a pair of student loans that were being serviced by XXXX XXXX XXXX XXXX. The loans are currently in forbearance until the start of next year. A few months ago, the loans were transferred to Navient ( navient.com ) for servicing. Navient has split the XXXX loans into XXXX different loans, which I assume will increase my monthly payment significantly. I have been unable to get any response from Navient as to why this was done and if there has been an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have student loan debt that is over {$110000.00}. My loans were transferred from XXXX to navient. I received a bill saying my payment was {$890.00} which I could n't afford. They said I could go into forbearance for 36 months if I could n't pay it. I thought it was my only option. I think at the time my loans were {$87000.00}. It grew exponentially. I had no idea there were income based repayment plans. They did n't mention that At all. Now I am drowning in debt and afraid I wo n't be about to take care of my family. In my opinion it was predatory lending practices. Also the XXXX program I attended offered false hope for gainful employment and the program has since been eliminated from XXXX programs. I was taken advantage of by the university and student loan programs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Marriott XXXX Visa Card with Chase Bank : Paid {$830.00} on XX/XX/XXXX in advance of the XX/XX/XXXX Due Date. 

Payment was reflected in reduced balance on that date but available credit still reflected as {$0.00}. 

Money was taken out of checking account on XX/XX/XXXX. Available credit still reflected as {$0.00} on XX/XX/XXXX. 

Contacted Chase and was told that it wouldn't be until XXXX  XX/XX/XXXX that credit would be available. 

No explanation was given as to why they had my money - it was in their pocket - and I could not utilize those dollars for a week 's time. Chase was earning interest on my {$830.00} and I couldn't use my own money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank sent me a letter in XXXX stating they were closing my account. I told them of my urgency to get my funds to pay my rent onXX/XX/XXXX. Its coming up on XX/XX/XXXX and Im still in need of my funds. This is clearly retaliation from f me trying to get my funds and constant calls and other things allocated to bring awareness to their unusual gestures they have been portraying towards me. Im asking these funds to be released to me. And all late fees unaccompanied with my rent needs to be taking care of by Citibank and every month I go without my rent should be paid by Citibank. This is crazy as how they stated in XXXX my account would be closed in 10 days. But they restricted me from my funds until they closed my account. Which is unethical and biased and most discriminatory thing Ive ever endured. Yet they still opened my account to accept a deposit. Only to close my account again after they accepted my funds. They closed my account 3 days after I opened it. But the next day they closed my account after they seen my direct deposit was switched. I uploaded these 2 images nearly a month apart exactly. One dates XX/XX/XXXX and the other XX/XX/XXXX but Ive still yet received my funds and its almost XX/XX/XXXX. This is driving me crazy. Stressing over funds I dont have and I have lawyer fees that need to be paid. Kids that need school supplies. Shoes clothes. My rents coming up again. For XXXX sakes man. Im XXXX over this stress

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 2019-05-17
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to hardship I had a XXXX XXXX credit card debt go to collection. The account was referred to Client Services for collection. I contacted Client Services and spoke with XXXX XXXX. He agreed to accept {$770.00} to settle the account ( see attached letter ). I sent the {$770.00} as agreed and they sent a letter that says the account was settled in full but that I owe {$510.00}. Then XXXX XXXX reported the account to the credit bureau as past due in that amount with no reference that the account has been settled and I no longer owe them ( see attached ). This is fraudulent collection practice and I need a letter that states the account has been settled and I no longer owe them and my credit report updated to reflect the same.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THESE ITEMS NEED REMOVAL IMMEDIATELY COLLECTIONS *XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX ) = {$860.00} XXXXXXXX XXXX  - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXX XXXX  - XXXX Date Opened XX/XX/XXXX ) = {$440.00} XXXX  - ( Date Opened XX/XX/XXXX ) = {$500.00} *XXXX - ( Date Opened XX/XX/XXXX ) = {$930.00} XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) = {$510.00} XXXXXXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) = {$310.00} INQUIRES XXXX XXXX XXXX ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX - ( Date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX- ( Date Opened XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX - ( Date Opened XX/XX/XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX - ( Date Opened XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi My SSN got stolen, and someone using my SSN open a capital one credit card. I aware SSN stolen in XX/XX/2021. I filed police report and contact Capital one to dispute the credit card. I provide bills to show where I live, and provide the policy report. I ask the billing address on credit card. I find out Its a mailbox. I thought the person who own the mailbox is the person who stolen my SSN.capital one didnt do investigation at all. And they capital on doesnt care about this issue. They just want me to pay off that credit card and take their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( XXXX, XXXX, TRANSION ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citibank paid out money to XXXX, XXXX XXXX ( for games ) and XXXX XXXX without my permission or without authorization or even a correct ATM card number. I lost my card, I got new replacement card and to my suprise Citibank still paid out money on the old ATM card number. How they did that I don't know but I am also really tired of XXXX and XXXX & XXXX XXXX XXXX just hitting my bank account over and over again until they get paid and what makes this so infuriating is that they didn't even have the correct atm card number and citibank still paid out the funds. I started calling Citibank at XXXX this morning and it is now XXXX pm and I get transferred around and around and around and around. Citibank is telling me they are not going to refund the money without cancelling my card. I am like you gave out the money. This is not my problem. 

I am paying XXXX  XXXX XXXX XXXX I am also at a loss why I have to talk to people in XXXX about my bank account. Can't they find people in the US/north america ? who understand why I would be so angry. These call centers are a total waste of money.I would say Citibank is also very misogynist. I have lived on the earth long enough to be given credit and respect.

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