BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already filed a dispute with Consumer Adjustment through XXXX XXXX. My dispute is that I don't have knowledge of this account nor have a contract with this company. They state that because the address is the same, it's my account. 
I will restate, I have never had an account with Consumer Adjustment. I would like to see a signed and dated contract since they say I do owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclaycard has had my timely payment for a number of years, and rewarded me with a number of increases in my creditline. However, they decided to replace my credit card with a chip-protected card, out of cycle -- meaning, before the current card expired. The card never arrived, I found myself heading into an XX/XX/XXXX wedding, and the holidays without a card. They promised an overnight replacement twice, which never came. I got angry and closed the account, asking for a refund of a {$750.00} overpayment. Naturally, the refund has never arrived. They are now telling me that they need to " open a case '' and it will take another 10 days to investigate. I have to pay them interest if I mess up & pay late. This company is irresponsible and incompetent at best -- and fraudulently witholding money owed, at worst.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Was not notified of investigation status or results

Complaint:
This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.

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 2021-11-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize this inquiry, please remove. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 2018-12-01
Company: EQUIFAX, 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:
I sent a letter to Equifax specifically asking them to VALIDATE a collection agency on my credit report-XXXX. They replyed with a letter stating they Validated the information and did not give me any of the information as to who did the process, etc. like I requested.I sent my request in a certified letter ( i have attached a copy ). They are in violation of FDCPA, section 809 ( B ), AND fcra 611 ( A ). IF they will not comply I will take them to small claims court. I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Receivable Management Group, Inc. (GA)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received collection letter from Receivable Mgmt Group regarding debt that was already paid by health insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice from Midland demanding payment of which I do not owe. Midland is also under investigation regarding their business practices in the state of Massachusetts. They do not have a business license. They have endless lawsuits against them for their illegal actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I recognized there were XXXX accounts on my Experian credit report that showed delinquency which I had no knowledge of opening. These XXXX accounts totaled a balanced of about {$400.00}. Although it was not a significant amount, since these accounts were not mine, I did not agree to pay. I filed a police report, a complaint case with the federal trade commission. Then I submitted these XXXX reports along with my identity proof ( SSN card, driver license ) to Experian via postal mail and also uploaded these files online. Experian still refused to assist me and turned down my complaint, leaving these XXXX accounts on my credit report to affect my credit score and reputation.

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 2016-04-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently XXXX to the XXXX XXXX, I fell behind on mortgage payments, Internet services are not always available. I 've reached out to the bank several times to see what options were available to me to no avail. My credit score is dropping dramaticly. I finally was able to make a call and speak with someone. I asked what my options are and she told me that I would have to fill out, scan, fax all this paperwork to her to see ; otherwise there is nothing they can do for me. I explained my situation and how these resources are not readily available to me. She then told me that I should 've planned for this better. I did not / was not even going to entertain that ignorance. I asked if they could temporarily suspend reporting any further deliquencies to the credit bureaus until I return XXXX XX/XX/XXXX/XX/XX/XXXX. She responded " no ''. I asked her if I paid the past due amount right now in full on the phone could they waive the late fees & corporate fees as well as delete the derogatory and late payments from my credit report. She responded with " we do n't do that ''. Up until my XXXX I was in good standing with my mortgage payment, never have been late. I have been working hard to reestablish my credit from my divorce a few years ago ; I involuntarily XXXX to serve my country, leaving my kids behind for less money and to try and deal with this. I am willing to work with the bank but they are not willing to work with me. I know I am protected to a certain extent under the SCRA and they ca n't start foreclosure proceedings for a certain amount amount of time. All this has just added unnecessary stress ; stress that I have absolutley no control over. I am seeking help from CFPB to see if there is anything they can do for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Quick Bridge Funding, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had a company contact me for a debt that is showing charge off status and a XXXX balance owing on the account. When I informed them of what my credit report was showing they told me that it was done in error and that I still owed them money. They offered for me to settle and said if I did that they would take the entire thing off my credit report. I told them that if they had already charged off my account and reported a XXXX balance that I was not obligated to pay them anything because the debt had been written off. The report the account charged off in XX/XX/2015. The collected payments from me even after the account was charged off from XX/XX/2015-XX/XX/2015 after which I stopped paying. They now starting calling, texting and emailing me today about the account stating that I owe {$60000.00} and that if I do n't agree to pay or settle that they would have their attorney sue me. This is the second time the have threatened me with a lawsuit. The first time I was in a payment plan with them and they filed a suit. They have also called my business and told my employees that they were going to send someone to pick up all my office furniture and equipment if I did not pay them money. They have used several strong arm tactics that I feel are illegal. I had to hire an attorney to contact them and they withdrew the case. This company offers high interest cash advance loans. I do not believe I owe this money anymore because it was charged off and XXXX out. I believe they are trying to correct an error made on their end and force me to pay for funds they wrote off already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased new appliances ( washer, dryer, dishwasher, oven, microwave oven and stove top from Lowe 's on XX/XX/XXXX. I had to return the stove top ( XXXX '' Radiant, {$790.00} XXXX because it did not fit. Lowe 's picked up the stove top on XX/XX/2016 and I was told by Lowe 's XXXX Assistance Team ( XXXX XXXX at a credit would be applied to my Lowe 's Credit Card through XXXX. As of XX/XX/2016, no refund or credit has been applied to my account.

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 2016-05-26
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had a XXXX XXXX XXXX Card with a {$0.00} balance. XXXX apparently decided to switch their business to XXXX. I did not want a XXXX nor did I receive one. Several months later in XXXX 2016, I received a bill from XXXX XXXX for XXXX. I called and was told that I should have known about this and that I owed this money. When I asked what it was for they indicated that it was for the annual fee +late charges+interest. I asked how they could charge me an annual fee on a card that I had neither signed for nor asked for. - They indicated that they did not charge it, XXXX XXXX did ( I recd no bill from them ) and then XXXX XXXX transferred the charge to their XXXX. They indicated they could reverse the the late fees etc. and make sure they did not get on my credit report if I agreed for them to send me a new card ( which meant paying the {$40.00} ) I felt compelled to do this to keep my credit rating. Before I activated the new card, I checked my credit report and found they had reported me to the credit agency. Not only that but they had once again charged me late fees and interest even though I did not have a new account number to send the {$40.00} to. Once again I called them and asked to speak to a supervisor -after telling me that they could not do that without me giving my social security number, I told them I was calling the FTC and a supervisor was instantly found. I told the supervisor my story and told her that I did not want the card because they had lied to me about sending the information to the credit agency and charged me fees and interest once again even though I had no new credit card number to apply a payment to. She indicated that I could have cancelled the card last month when I spoke to the other person because it was within their time frame but now it was too late and I must pay the {$40.00}. 
I have now paid the $ XXXX however, I feel I should not have to pay a fee for a credit card I could not and did not use for all these months - In addition, I feel my credit report should be wiped clean of this mess. I feel that it is fraudulent to charge a fee on one account after you have indicated you will not be doing business and then trade the charge to another account without the express ( written ) consent of the consumer. If this is legal please tell me in what section of the Federal Rules it resides and I will be looking to get the law changed in favor of the consumer. 
I want my fee refunded and my credit report cleansed. 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 2017-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has co st my credit score t o plummet substantially. They have as of today  XXXX    XXXX ,2017  removed my  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Capital One,    XXXX   XXXX   ,   XXXX   XXXX  is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   Capital One cr edit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all t he Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Hi, I have a credit card account with barclaycard called XXXX XXXX card. I have my payment setup on repeat pay for the " statement balance ''. My last balance was {$670.00}, which I paid myself on XXXX XXXX. However, barclaycard deducted another {$420.00} from my checking account on XXXX XXXX. When I called and complained about the situation, they told me that the repeat pay will deduct " current balance '' up to your statement balance from your account even if you have paid the balance in full. 
This means they can deduct up to twice the " statement balance '' in XXXX billing cycle. 
Although the manager told me it is in terms and conditions, I was not able to find it. This situation created problem for me since I need to find money to pay my other bills. Also, I think it is a way of taking benefit from customers and deducting more money than it should. I feel that I am not the only XXXX abused, and other customers could have the same problem.

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 2021-11-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When paying things online with my debit card my money be taken out of my account but then they come back and try to charge me again. Plus when I make a deposit to try to get my account in the positive there still be messages saying my account is still negative and when I deposit a check they hold it and never deposit my funds on the next day. Plus its been times Ive had my child tax credit check deposited into to my account but when I try to purchase something my card always decline when theres more than enough money in my account for the purchase. Also when I got to the atm I get declined when its more than enough money in my account. This is embarrassing I have to call my the number on my card and wait for along time to get anyone. Wells Fargo is the Banks name. They are always late updating your account but quick to decline purchases or atm withdrawals and also quick to not accept deposited checks unless they are direct deposit but quick to let crooks withdraw money out of your account

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 2021-11-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am and have been in forebearance. I submitted a request to extend my forebearance to PHH Mortgage. They sent me an application for assistance so I filled it out and emailed it to them, along with scanned financial documents of my income. I emailed all of this to them on XX/XX/2021 but they never responded. So I resent the application for assistance and my scanned financial documents as proof of my income again on XX/XX/2021. I never heard back from them again. 

I received a generic form letter from XXXX XXXX on XX/XX/2021, but it was dated XX/XX/2021. It said that because they never received my information on my application for assistance and the due date is passed, they were going to discontinue processing my incomplete application. When I went online to XXXX XXXX or PHH there was no way to pull up this application for assistance. They made it impossible to submit the application on line so I had to fill it out and scan everything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Re : XX/XX/XXXX charge of {$1600.00} with XXXX  XXXX on a new Apple Credit Card for 2 x hotel rooms. I have spent at least 5 hours of detailed chat, phone calls and follow up ( always from me - never from Goldman Sachs ) for the last 5 months chasing a resolution. I do not believe any effort was made to reasonably resolve the situation or even work on a make good nor do I above an evidence of this. As quickly as within an under an hour of the booking being made I attempted to cancel due to one of the parties family illness and being unable to travel from UK to USA for the hotel booking. Through the many follow ups from Apple and Goldman Sachs I was told the charge was in dispute then told it was moved to 'elevated dispute ' as many as 3 times on different occasions. This was always after long waits and by pro-actively supplying same details and with the intention of a resolution. I never have one communication from Apple or attempt to resolve or understand my issues properly. On XX/XX/XXXX I have begun to being charged interest. At no point have I been called or emailed or sent any updates on any of my dispute. I have gone out of my way to provide all information and feedback to assist Apple/GS in resolving. My experience has been that none of the information or customer notes has been coherantly stored about the dispute which has made the process extremely frustrating. My most recent GS/Apple chats via the apple wallet confirmed that the charge was sitting in 'elevated dispute ' then when I have followed up again today XX/XX/XXXX .. I am being informed that the dispute was made in favor of the merchant. However I have the chat dialogue from the app which notes the case is in " elevated dispute ''. So we are running around in circles and this is really causing me a lot of concern and stress. I have advised Apple/GS that I will not be paying the interest ( Or the base charge ) and that we seem to be at an impasse and I will be taking this to the CFBP. It has been my understanding via many years or credit card and banking that the credit card merchant should always be acting on behalf of the customer. This has not been the case at all with Apple Card/Goldman Sachs. I would hate for anyone to waste the hours and carry the burden and the stress of dealing with these people. I think people need to know this is not a company/product that is committed to the customer its just about money and not listening or valuing its customer base.

Company response to consumer: Closed with explanation