BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: Media Collections, Inc
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call where I work from someone looking for the owner of the business. His name is XXXX XXXX. He indicated that he was following up on a Workers Comp. Audit. 

He asked who would be responsible for that and I gave him the name of our General XXXX. He then asked for contact information for the GM, specifically his email. Then he indicated that he wanted to speak with accounts receivables. 

At this point he did identify the company he works for, Joseph , Mann & Creed. I then asked him if he was a debt collector and he said that he was. 

According to the FTC website, debt collectors need to identify themselves as such. It seemed XXXX XXXX was intimating that he was representing Worker Comp. at first. 

When our call was concluded I called Joseph , Mann & Creed to speak with one of the partners in this firm, only to be told firmly that " they are all gone for the day '' All I wanted to do was make them aware that their employee had been somewhat deceptive.

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 2016-12-28
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They just keep hasling me when it was paid in full XX/XX/2016. I sent them all info to verify payment.

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 2015-08-25
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been a customer of PNC for over 11 years now and have had no complaints until the last few months. I have spoken to several customer service and supervisors over the last 2 months and hope that this letter will get to someone that can take care of the problem. 
In XXXX I became aware that escrow had been added to my mortgage without my permission or any kind of warning or contact from PNC. After talking with several customer service representatives they informed me that a letter was sent to XXXX XXXX 's XXXX XXXX XXXX Va. XXXX informing me that my taxes were not paid and on the mortgaged property of XXXX XXXX XXXX XXXX Va. So I never got the letter because my address is XXXX XXXX XXXX XXXX XXXX VA XXXX. 
After doing some calling and finding out why these tax bills were not sent to my mailing address we found that the county was sending the bill to the old address we lived at 2 years ago and the forwarding was expired. I have since called the County and changed the billing address to XXXX XXXX XXXX XXXX. 

On XXXX XXXX we sent and check for {$1300.00} to take care of the taxes paid and another check for {$1100.00} for the mortgage loan we established in XX/XX/XXXX. The checks were check numbers ck # XXXX {$1100.00} and ck # XXXX {$1300.00} both cashed on XX/XX/XXXX. At this point we need to take care of changing our loan back to the {$1100.00} that was signed and agreed on in XX/XX/XXXX and all escrow needs to be removed from my loan. 

We have never been late on a payment and have automatic deposit set up for PNC Mortgage. I feel they should have sent a certified letter to let us know this change was taking place. Please help us resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Synovus Bank
State: FL
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:
Re : Case Number XXXX The referenced case was filed concerning the late posting of my payment to the credit card account with First Progress Card. The initial payment of {$40.00} was made through my bill payment service with XXXX  XXXX XXXX on XX/XX/XXXX and posted to my credit card account with First Progress on XX/XX/XXXX, which resulted a late fee of {$11.00}. Subsequently, I made the late payment fee on XX/XX/XXXX via XXXX  XXXX XXXX which posted on XX/XX/XXXX to account with First Progress. I don't understand why it only took one to post the {$11.00} and it took several days to post the {$40.00} payment. Both payments were processed via bill payment service with XXXX  XXXX XXXX. Yet, Mr. XXXX XXXX, Vice President with First Progress Card, for lack of properly researching the issue, indicted in his letter dated XX/XX/XXXX that they have not received the payment mentioned in my complaint. I have done the proper research because this is a financial that matters to me and my family while managing through a pandemic. I included supporting documentation to substantiate my statements. Also, the payment for the balance of the account with First Progress card was posted on XX/XX/XXXX. It really disturbs me that I am penalized {$11.00} for timely payment and total disregard to this was demonstrated by First Progress during a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$620.00} ), XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$450.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Original amount {$2000.00} ), XXXX  XXXX  ( Date Opened XXXX. XXXX, XXXX, Balance {$670.00} ), XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX  ( Date Opened Sep. XXXX, XXXX, Original amount {$520.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would lie to dispute this becuase it is harming my credit score and i am unaware of who this company is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Shellpoint Partners, LLC
State: TX
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  accounts, has violated my rights. 

15 USC 1681 section 602states i have the rights to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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  accounts, has violated my rights. 

15 USC 1681 section 602states i have the rights to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a Citi Bank/Costco card and received XXXX in XX/XX/2016. The card was activated and used in XXXX. I received a telephone call that I was overdue in the middle of XX/XX/XXXX for a payment, I told them that I had not received a bill. They said that I was paperless ( I did not choose that option, nor would ever choose that option ) and my bill was being deducted from an account. I asked what account and was told that I had n't set that up yet. I explained that I did n't want to be paperless, nor did I want to have an automatic withdrawal from my account. I was told they could not e-mail me a bill, but they could fax me a bill, but it would take XXXX hours. No fax ever came in. I was called again this past Sunday XXXX XX/XX/XXXX ) and told that I had to make a payment on the card or would be billed for interest + a late fee. Again I told them I had not yet received a bill and was told that they showed that a bill was sent out on XX/XX/XXXX and it could take XXXX days to receive it. They never indicated that I had been sent a fax. Again the pressure to set up an automatic bill paying account - which again I refused. I asked to speak to a supervisor and spoke with " XXXX '' employ # XXXX. He also demanded payment and said they would XXXX a late fee and interest that day if the account was not paid in full. Even though I still have never received a bill ( either by fax or through the mail ). I paid my account in full by giving him my routing # off of my checking account and asked him to close my account. What is so frustrating is that I still have n't received a copy of my bill, I am not sure the charges are correct, I have paid the account off ( {$4400.00} ) but have no way of knowing if those are the correct charges or if I have been charged late fees, interest, etc. I checked the mail yesterday XXXX XXXX ) and still have n't received a copy of my bill and they still have n't faxed anything to my fax machine. Again during my phone discussion there was the pressure to set up my account in an auto pay mode - which I adamantly refused to do! Can a credit card company refuse to supply the bill and yet demand payment? I ca n't dispute any charges since I have never seen my bill.

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 2022-05-17
Company: CARD Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My bank I been with 7 yrs I went through all my bank statements 4times and realize that XXXX is missing with no paper trail or transactions the money is just gone with no explanation and I need help with filing a lawsuit against I have all my bank statements and documentation I work hard and for money to missing and they cant give me a straight forward message I would like to sue them for the money missing and the stress it has caused me they closed my account said it was compromised and they are only sending some of my money in a check which is XXXX when I had a deposit of XXXX in my account when there is supposed to be XXXX I want all my money so is there anyway I can file a lawsuit I tried to call several times they refuse to tell me what happened to my money Im honestly stressed and upset about my money i can be reached by email or phone XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: TX
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  Account # XXXX also XXXX -account 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose.

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 2015-09-29
Company: Paypal Holdings, Inc
State: OR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I accidentally mistaken PayPal Credit for PayPal Balance. I switched to a new computer thinking that I was verifying my computer and not knowing I was actually applying for credit application. The application process is so deceptive and I could not make a difference between applying and sign in. This easy process should not be allowed since most of the time when applying for credits, I was asked with XXXX questions about my credit reports. 

I was so surprised because usually " my default payment '' has always been PayPal Balance and not applying for credits. I accidentally applied exactly 25 minutes ago prior to submit this complain. 

This practice should NOT be allowed. Applying credit should not be this easy by just providing your birthday and last XXXX digits of SSN. My personal information was originally intended for PayPal account verification and should not be a shortcut to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: AMERICAN PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
my name is XXXX XXXX and my mothers name is XXXX XXXX. And XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX and XXXX XXXX my mother and myself agreed to start the home buying process we went to a lender through XXXX from XXXX Washington her name is XXXX XXXX. At that moment we paid a credit check amount to have her overlook our credit at that moment we got preapproved for a {$270000.00} loan we found a house that we loved started the process got to the under writing portion part of the homeowners process we were set to close on XXXX XXXX of XXXX. XXXX called on XXXX XXXX stating that she ran XXXX XXXX 's credit and somehow her credit score went down XXXX points. According to XXXX XXXX 's records the statements that XXXX indicated about past due accounts on student loans is false XXXX XXXX has paperwork from the department of education stating nothing is past due. XXXX did n't say at that point we are not able to get the to the home. when XXXX XXXX spoke with her XXXX said " XXXX up the ball I did not look over paperwork correctly and I am truly sorry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: Critical Resolution Mediation LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This slimy debt collection company Critical Resolutions, uses fake names and cloned phone numbers, they already said they closed their file when I provided my bankruptcy discharge when I filed a complaint about them before, however I continue to receive harassing and threatening phone calls from them XXXX phone numbers XXXX and XXXX often the caller identifies them self as XXXX, there are numerous consumer complaints online about this sleazy company I received XXXX phone calls today, home, work and my cell!!!! what else do I need to do to get these people to stop!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-03-21
Company: CREDIGY USA CORP.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
in a bankruptcy and disagree with the amount stated that I am behind. my attorney left a msg XXXX no return call to her and motion was granted before speaking with my attorney. payments were being made and sent to original lender and not be forwarded on in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Strategic Alliances, Inc.
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was contacted once by phone from a representative demanding I handle a {$4000.00} balance from an accident I had on XXXX/XXXX/2016, with no proof or verification from the charges. I had made clear I wanted documentation from the damages and list of charges I was to pay for I was told they did not have that information. In my refusing to answer rather personal questions in which I felt very uncomfortable I disconnected the call. A week later I receive a letter from the Office of Motor Vehicles stating my Driver 's License would be Suspended and Registration Certificate and license Plate will be revoked in 30 days. I contacted the OMV and they informed me that I would need to show proof of payment arrangements setup or being made with First Financial Asset Management. I then contacted First Financial Asset Management and they told me since I had disconnected the call that the block was sent by the rep and therefore I must pay XXXX upfront right away because they were aware I needed a legal driver 's license. I was not contacted and made aware of the next action to take place and to impose a {$500.00} charge upfront is unreal and unfair. I made it clear I have a sick mother I care for, and the recent death of my child 's father, and that I could make at least a {$100.00} payment before I had even received the proof of charges, so that shows I was trying to cooperate. This company imposed extra punishments on me out of spite and personal feelings, in turn causing more debt to 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 2023-01-20
Company: Experian Information Solutions Inc.
State: OH
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:
By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - XXXX believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

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 2022-05-17
Company: Chime Financial Inc
State: NY
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:
On XX/XX/2022, i woke up to check my email as i usually do and come to find out it said my account balance is low. So i went to check my account and an atm withdrawal was made at XXXX XXXX  of {$300.00}. I call chime immediately and explain the situation. They cancel my current card but tell me to wait til the transaction settles in order to open a dispute. The next day i check my account and the transaction is settled so i immediately call once again. They started the dispute and i patiently waited for the results. Within two hours i get an email saying that the investigation has been completed and that they see no error. I get upset and call back and the representative tells me to reply to their email and send in supporting documents or anything that can help me get my money back. When replying to the email, I stated that i have not made an atm withdrawal over {$40.00} ever, that my transactions only take place from XXXX XXXX  to XXXX XXXX  when im outside for work and only occur within the XXXX or XXXX. I sent them pictures of my transactions that showed time and location. I also stated that i do not be up at XXXX XXXX  and have video evidence of me not leaving the house at anytime of the night. Even after all this, they still find no error. I want my money refunded. My card information was probably stolen from one the atms i used to buy food from a XXXX store. I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: TN
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 while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX-XXXX-XX/XX/XXXX-VER-

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