BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: Media Collections, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
COLLECTOR FAILED TO VALIDATE DEBT AND HAS REPEATLY CALLED MY WORK AND CELL NUMBERS IN VIOLATION OF FCRA, FDCPA AND TCPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
A company by the name of XXXX XXXX XXXX  charged me for staying at a property from XX/XX/XXXX - XX/XX/XXXX. There was an altercation that unnecessarily escalated due to the involvement of XXXX XXXX  which resulted in the police being called, in-which, I requested the police provide a police report to serve as record. I agreed to vacate the premises immediately only if my remaining balance for the stay was returned. Miraculously, no one was available to confirm however I was promised this would happen and I sent an email to confirm for the record. When it did not happen, I felt the need to dispute the charge with Capital One which I corroborated with the email I sent confirming I vacated the premisses and confirmation of a new reservation. The vendor then responded with a summery of inaccurate events. One of which accused myself and the occupants of smoking XXXX which is nowhere in the police report. We are all back and have locks, therefore, I can only conclude that such false accusations are in direct violation of my civil rights. Despite the evidence provided, Capital One refused to respond to the additional proof provided and has refused to reinvestigate which violates there pledge to the safety of my account. Please note that both establishments have not only violated my universal declaration of human rights but also my civil rights and regulatory pledge to the safety of my finances. Based on the clarity of the of the images provided ( attached ), the absence of the address in-which I allegedly stayed, and missing signatures/confirmation that this was truly me, it's evident that Capital One is basing it's decision on the false summery provided by the vendor. Based on these facts, following this complaint, I will be presenting this case to the department of justice, Bureau of Democracy, Human Rights, and Labor, FDIC, and the Federal Reserve as this is the second case of despair that Capital One is at the root of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I paid off in full and closed my credit card with Macy 's in XXXX this past summer in their stores. Since then, I have continued to receive statements from Macy 's reflecting unpaid interest charges for my account being open. I have called repeatedly to have the charges removed and to have my account closed. Each time I call, the representative claims to have cleared all charges and to have closed the account. I am very concerned of how this impacts my credit rating.and find Macy 's actions to be harassment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: FL
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:
This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.

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 2021-05-12
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Quicken Loans / Rocket Mortgage made a promise to me that they only sell the servicing of jumbo mortgages, and they will service my loan for the life of the loan. ( Call their sales department and ask if they will sell the servicing of the loan, they still make that promise ). They lied and sold it anyways to " XXXX XXXX XXXX '' who refuses to take payment or even put someone on the phone without paying XXXX. The terms of my loan are not supposed to change. 

Adding a XXXX fee is changing my terms. Lying about never transferring the servicing of the loan is also unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: FMS Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX is trying to collect on a debt that was previously being collected on by XXXX. I submitted a police report and FTC Affidavit to XXXX before they submitted this out to this other collection company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2016-01-01
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a credit score hit due to payment delinquency for a student loan XX/XX/XXXX. I reached out to citibank XX/XX/XXXX to request that they clear this issue given the circumstances at that time : 1 ) I never received the notification that XXXX XXXX was going to sell my loan to citi because I physically moved residences and therefore 2 ) I did not realize I had to re-establish an automated payment calendar with a separate entity which led to the 3 late payments before I took notice and paid. Given that I have a stellar history of making payments and had advance paid the entire amount in full, I requested that citibank take off the hit on my credit records. I started with calling the citi gold desk because I have multiple products with them ( e.g. checking, credit, mortgage, etc. ) and they indicated that i 'd have to reach out to the student loan department directly. Citi Student loan had no record of me, so I reached out to XXXX XXXX, who then routed me to XXXX, who then routed me back to Citi. 

Citi claimed that they do n't see the account being cleared, and said that they will leave an open dispute on my credit report. While i have paid the full amount of the loan, I still see a {$0.00} transaction log every month and neither XXXX XXXX, XXXX, or Citi is able to see or close/clear this account and are constantly re-directing me. 

My main ask is to take back the credit hit score since I have paid off the entire loan in full in advance and to close the account because I still see a {$0.00} ACH debit coming through even if the loan is paid in full. But no matter who I call, I get routed and no one is able to find my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Convergent Resources, Inc.
State: PA
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 do not owe this XXXX when i called this company Convergent they said it was 10 years ago. Why are they calling me all hours and sending me this paperwork i have attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a collection account by I.C. System on my credit report. I sent them a data validation to send me any contractual agreement information that I have with I. C. System. They are stating that I owe this alleged debt but I have no recollection of this company or account. To my knowledge, it is illegat to collect money for something when you do not have any legal standing to collect that debt. They are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. By the inaccuracy they are reporting two completely different information to the credit reporting agencies. This is unfair practices and it needs to be removed.

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 2015-07-06
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On the first contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Collection company " Convergence '' called me at XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Previous CFPB Complaint XXXX Convergent Outsourcing has sent a response letter to my CFPB complaint regarding never receiving the notice of right to dispute. In the letter they state that a validation letter for the account was mailed to an old address, XXXX XXXX, MN XXXX. they stated they were notified by XXXX that I had moved and I left no forwarding address. They state that they believe the information they have reported to the bureau was fair and accurate information, they do n't believe they violated any laws. 

I moved in XX/XX/XXXX. I submitted a request for address change to the United States Postal Service. My Official Change of Address Confirmation Letter from the United States Postal Services states " Your mail will be forwarded to your NEW address, as you requested on : XX/XX/XXXX. ... MAIL FORWARDING EXPIRATION DATES : First Class Mail, Priority & Express XX/XX/XXXX. '' I refute what Convergent has stated, I received mail that has been sent to my old address at my current address under this current forwarding. I received mail the same week, XX/XX/XXXX that was forwarded from my previous address, stamped XX/XX/XXXX. I also include a piece of mail sent from XX/XX/XXXX, illustrating the success of forwarding to my home address. 

I also updated my address on my Drivers License, XX/XX/XXXX, a copy of the paperwork shows the date. My current home address has also been updated on my credit report. 

I should have been able to receive the initial validation notice, or at the very least, a new one could have been sent to my current address, which has been updated since XX/XX/XXXX. 

Convergent has deprived me of my chance to dispute this debt or request validation by not sending the notice as required within 5 days of contacting me regarding this debt. 

On XX/XX/XXXX I received a call from a representative XXXX, from Convergent Outsourcing. She asked me to verify my name and address, which I refused to do, and the caller ended the call. Convergent had ample access to obtain my current home address to send the initial validation letter and they failed to do so, violating 15 U.S. Code 1692g - Validation of debts I have contacted XXXX on both XX/XX/XXXX and XX/XX/XXXX regarding this matter and they are escalating a review of my account to the executive team, they have asked for 72 hours before a complaint is filed including them to the Attorney General for them to investigate these FDCPA violations by Convergent and they 're refusal to remove the reporting from the Consumer file. XXXX will receive a copy of the proof provided to the CFPB depending on the outcome of the escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
I have a care credit card account which I use solely for my dog when she has XXXX ( XXXX ). I had my account down to {$1900.00} and when I went to make my usual {$100.00} payment today, my balance has shot up to over {$2500.00}! I was shocked and called and their answer was that the payments ( when CALLED IN ) you can verify which deferred purchase I would like the money to be credited to. I have had this account for YEARS and have been making payments that I assumed was going towards the oldest deferment. To my shock and disgust, it was not and literally it is entrapment, then they tacked on {$580.00} which should of been avoided due to my bigger than suggested payments. It is extremely unfair, she admitted to me that this information is NOT on the statement, nor website where I make my payments. obviously, had they told me, this would of been avoided all together. I was furious when I did get her to tell me that there was XXXX purchase that was deferred and only had a balance of {$27.00} but unless I called and told them this was the XXXX to put the payment towards, it would of tacked ANOTHER {$350.00} on soon. This information is nowhere for me to see to decide what I should pay, she said it is listed like purchases on a credit card then it drops off ... really? I feel angry, tricked, and I want care credit to know my eyes are wide open and from now on I will call them every payment made and keep XXXX of their people busy telling me any and all purchases and when the maturity date is so I can finally,,, after three years of wasted {$100.00} payments not getting properly credited, now I know why I ca n't seem to make any headway with this account. I recently went paperless assuming all the proper information regarding my account would be listed and it is not. Very unhappy with this situation. I am a single mom with XXXX XXXX and a mortgage, {$580.00} is a ton of money to me ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30
Company: Conn's, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX CONNS IS NOT MY ACCOUNT ITS BEING REPORTED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXX XXXX  in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX . Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, Transunion, XXXX, and XXXX  have failed to investigate.

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 2021-05-11
Company: JPMORGAN CHASE & CO.
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:
I did not authorize anyone employed by these company to make any inquiry and view my report. I am making a final goodwill gesture to allow them to correct there erroneous reporting. They have asked me via mail for exact inquiry dates after receiving a certified letter that included a copy of my recent credit report showing Inquiries for dates XX/XX/2019 and XX/XX/2019 and a copy of a Identity theft report. 
Failure to respond satisfactorily may result in a small claims action against this company seeking {$1000.00} per violation for : Defamation, Negligent Enablement of Identity fraud, and Violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
Sam 's Club MC/SYNCB charges late fees plus interest for payments submitted on or prior to due date. I have had {$97.00}. in late fees and {$16.00} interest added to my balance ( which is paid in full except for the {$110.00} ). Have written with no response.

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 2021-05-11
Company: Foris DAX, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
All of this took place on the Cryto.Com App. 
On XX/XX/2021, I attempted to buy XXXX XXXX, the crypto. After attempting, the app timed out and I was told that the transaction failed and was canceled. I tried 4 more times, attempting to buy, and received the same error. These were at XXXX, XXXX, XXXX, and XXXX XXXX  Central Time. I gave up and tried later at XXXX and the transaction went through, for XXXX USD. 

On XX/XX/2021, I checked the app and saw four purchases for XXXX were made on my account, at the same times XXXX XXXX  Central Time for varying amounts of XXXX : XXXX for XXXX USD, XXXX for XXXX USD, XXXX for XXXX USD, and XXXX for XXXX USD. I attempted three times at XXXX on XX/XX/XXXX to reach support through their automated system and received no messages or ability to call or email for support. The fourth time, I was told they would email me shortly and heard nothing. 

At XXXX XXXX  on XX/XX/2021, I attempted to sell the XXXX bought on my account, a total of XXXX XXXX for XXXX USD. But, when trying to move that money back onto my credit card, I was told the minimum was XXXX USD to transfer. I do not have that much on my Crypto.Com account, nor do I want to have to spend money to receive the money taken out of my account wrongfully in the first place. The company has not responded to any of my support requests.

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 2015-11-05
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Cash advance fee

Complaint:
I was contacted by Barclaycard XXXX Department advising me that my account ( XXXX ) was blocked and that I needed to go to a banking center and attempt to do a cash advance, and have the bank teller call them to verify my State DL and identity. Which I did and they charged my account a cash advance fee of ten dollars. I put the the money that was withdrawn back to account immiedityly, I contacted barclay to remove the fee, however they stated they will not. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The other issue is that on XXXX/XXXX/2015, I did a balance transfer on the wrong account which was for {$5800.00} to XXXX XXXX XXXX XXXX when I found out it was the wrong account I did the balance transfer I made a payment of {$6100.00}. to take of the balance immediately, however Barclaycard charged me a {$230.00} balance transfer fee as well as a {$49.00} and XXXX interest charge balance fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Hello, I submitted a dispute with XXXX on XX/XX/XXXX regarding incorrect late payments reported by Santander on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. I received an email saying their were dispute results, however the link does not allow me to see any results ( see attached ).

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