BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: SQUARETWO FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent XXXX debt validation requests to CACH LLC and they have ignored all of my requests. I do not recognize this debt and I need proper validation.

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 2021-05-13
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Using binance.us, I had a chargeback occur of XXXX dollars. Deposited the amount after realizing and they took it immediately. But instead of that being done they locked any withdraws or trading, and I'm now stuck losing money in a position and can't sell or pull money out. This has been over a month now. I have opened multiple support tickets with zero answer and have XXXX them multiple times with no answer. They are with holding my money which should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Empowerment Ventures, LLC
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Rush card has completely been so disrespectful with their most recent system set back. Let alone i have transfered money from one account to the next and the funds are nowhere to be found. I 've been hung up on numerous of times and on hold now for over an half hour. My car payments and insurance has been paid late and rush card has no compassion of the matter and all I want to know is where is my money. I will be closing accounts associated with Rush Card due to the lack of services and the set backs on paying bills. I never want experienced this again I was an loyal customer since 2011 but I will be continuing putting all all funds through a real banking service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I 'm being with held my money from rushcard. Not able to withdraw my money from the atm for a week now. I 'm a new single mother with a XXXX month old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Capital One Quicksilver Card. There was a promotional offer, Spend {$500.00} in the first 3 months and get {$200.00} back. I spent {$500.00} and never got the {$200.00} back. I was never told that I was ineligible for the offer. After I called customer service on XX/XX/2021, I was told that the offer was not available when I applied through the website. This is false. The fact that it was clearly written on the website is the reason why I applied in the first place. The customer service rep then said that if I were eligible for the offer, it would have said so after I was approved and that I got the 0 % APR instead of the {$200.00} intro bonus. This is also false. Capital One never said that the {$200.00} cash bonus has to be listed anywhere other than the first page. Most banks do not say, " You will get the bonus '' after approval. They just give the bonus after the requirements are met. Further, nowhere does it say that I will get either the 0 % APR or the cash bonus, but not both. I am supposed to get both according to the website. Before applying it gave vague circumstances under which people might not be eligible, but I did not fall into that category. The bottom line is that Capital One mislead me into believing that I would get {$200.00} back after spending {$500.00} in the first 90 days, but they never properly notified me that I am not eligible for the bonus. Capital One has a very corrupt method of getting people to apply for their cards. They advertise the introductory cash bonus, but then they do not pay out the bonus. They also do not tell people who are not eligible that they are not eligible. When the customer contacts them, they lie and say that the bonus was not available at the time of application. Then when the lie does not work, they lie again and say that it is either the bonus or the APR. Then when none of that works, they say that the customer should have known since the bonus was not listed anywhere after the application was approved. This is not the case with XXXX or XXXX XXXX, or any other bank I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Academy Mortgage Corporation
State: UT
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:
Academy Mortgage is reporting inaccurate late notations on my credit file. I disputed some lates that were on my credit but Academy Mortgage kept verifying them. I was in forbearance due to Covid, and I was reassured that I would not have any late notations on my credit file. However, there are 3 lates for 2020 and like I said I was under forbearance. I was having a very difficult time because of Covid and the pay cut I took when my employer decided to cut hours. I have been working very hard to make my payments on time but got in forbearance just to be safe. I ask that Academy Mortgage please remove the late notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: DISCOVER BANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was having Discover checking account which i closed during XX/XX/2015. But i am still getting emails from Discover Bank with various promotions and advertising their services. Worst there is no way i can unsubscribe to these emails as there is no unsubsribe link in the the emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, XXXX and experian ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX has deleted the fraudulent account however, XXXX and Experian have not. I have not been notified by mail from either Experian or XXXX of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for Experian is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for XXXX is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.

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 2016-03-18
Company: MARINER FINANCE, LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Mariner Finance reported my account as closed derogatory to the credit bureaus when my account is still in good standing. The also did this in XXXX XXXX. I did fall behind XX/XX/XXXX and XX/XX/XXXX, but made an agreement with the company to bring the account current which I did and have not been late since. They told me they do n't report to XXXX for months but they do. Now the company is saying XXXX wo n't change it on my credit report. I have been getting the run around since XX/XX/XXXX when I first called. Even their attorney is being difficult and not trying to resolve this issue.

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 2021-05-13
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Bright Lending says that they gave me a loan for {$800.00}. I did not request this and the monthly payment is {$250.00}. After receiving this information I called the company and they told me that the interest per day was {$14.00}. 

THey then told me that the percentage rate is 700 % and, since that loan was originatedd on XX/XX/XXXX, less than 30 days ago, I already owe {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I mailed out letter to Transunion asking to verify accounts on my report. Transunion failed to show proof that each account is 100 % accurate. 

I ask to Tranunion to share with me their method of verification for the following accounts in question. I have yet to receive a respond and it is now XX/XX/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 2016-11-18
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Holloway credit has repeatedly deleted their collection accounts of my credit file and putting them back on. And I am getting tired of it. They keep restarting the XXXX year reporting thing and messing my credit up. For 5 years now all they have done is removed the collection items and put them back. I am unemployed from a XXXX I had and had to retire. I should not have to pay the price with bad credit for something that was not my fault.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX XXXX Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from Citibank needed as my debts with Citibank were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach two recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the XXXX, XXXX Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : Citibank , NA no longer has a legal right to collect under restrictive guidelines in the XXXX Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, Citibank had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX , XXXX and a debt collector named XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX , XXXX. There is no historical connection of a purchase of any debts from Citibank , NA, and my information was obtained by an illegal debt pooling process Citibank uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX , XXXX . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by Citibank , NA, XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX permanently. A follow up complaint will be submitted to the XXXX, XXXX Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.

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 2017-02-17
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I contacted Afni Inc. account number XXXX on XX/XX/2017 and spoke with a lady letting her know I had received a bill to settle. I explained to her that I was moving out of state and had already quit my job and I would pay as soon as I could. I was told if I put {$100.00} down I could secure the settlement of {$670.00} then could pay the rest when I get a job. When I called today XX/XX/2017 I wanted to pay the {$100.00} and let them know I could pay rest when I get a job. I got a new gentlemen on the phone he would not look back at the old conversations and kept telling me I had to pay by XX/XX/2017. I told him over and over again I was unable to commit to balance by that day cause I do n't have a job yet. He was really nasty and just kept saying if not taken care of by that date he could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I received an email from my bank ( Santander ) informing me that my landlord did not cash my XXXX  rent check and they returned the funds to my account. When I paid my XXXX  rent using Bill Pay, like I normally do, they sent my landlord her XXXX payment as well as the check from XXXX. She received both checks XX/XX/XXXX. Naturally she was confused, so she called my bank and they told her that she could not cash the XXXX check because the funds had been returned to my account. I called Santander to find out why they had sent her the XXXX  check instead of returning it to me and why they had given her my account information ( the funds being deposited back into my account ). Basically their reaction was " Whoops ''. I feel that my privacy was violated by sending her that check and telling her that the funds had been deposited back into my account. I was told that the check was sent back to her because that's the only address they had. I find it very difficult to believe that a bank I have been doing business with for over 20 years does not have my address.

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 2023-05-22
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
while checking my credit report I found a enquiry about a student loan with ACS Education Services in XXXX XXXX, NY. I call them on XXXX and spoke to XXXX about this matter and she wanted my SSI over phone andni kindly refuse to do so. I explained to here that the pulled a credet enquiry form my credit report and that was not me looking for a student loan, I 've not looking for a student loan from anyone cent in was in bankruptcy chp XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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:
I have sent out Multiple Letters to remove Fraudulent inquiries off of my credit report I have sent letters to both the creditors and Credit Buerros and these inquiries are fraudulent I then next contacted XXXX  and Equifax which I was violated my right under the FCRA by not helping me out denying me to even be transformed telling me that they can't do anything else wouldn't transfer me over to a manager or fraud department I was working with people that couldn't help me then I got transferred and my account was locked or XXXX  but the funny thing is that I was just talking to the dispute department and she got angry when I asked to transferred and locked my account then when I asked to speak to a manager he was able to view it. Then He told me that they will send a letter even though I have sent multiple letters and I did it in a 30-day time frame so and they never answered me so now they must be taken off but still haven't taken them off. EQUIFAX I have had multiple fraudulent inquiries and when I call them they have said almost the same thing but they had an update to their system so they couldn't update help which also violated me under the FCRA and I have been locked of my account for months and every time I call they can't seem to fix and say someone will call but no one has ever called so now it is time for them to take these inquiries off for never helping me get them off and they are fraudulent I have written multiple letters to them no reply. I have filed police reports and done everything they have asked me. Equifax has also never given me a report of my file and has violated that act in the FCRA. Both of them have not let me dispute inaccurate info. Equifax has also not given me a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: BlueChip Financial
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan with Spotloan.com for {$300.00} I thought that {$50.00} was the payment each month and it turn out that they wanted {$91.00} instead I was upset and I called them and I refuse to pay back {$700.00}. They are now taking me to court and I told them I am willing to pay back the original {$300.00} in payment and they want to take me to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: SYNCHRONY FINANCIAL
State: TX
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:
I am working on a mortgage loan. Account balances have to be paid to adjust debt to income ratios or affect credit scores and rapid repulls be done on reports. I was asked to pay off my synchrony credit card. It was paid yesterday. I have a confirmation email showing it was paid, and synchrony is refusing to fax me a pay-off letter or update my credit report to reflect accurate information. They are holding up my mortgage loan. This is illegal. Im going to lose the property I chose as is my right.

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 2021-05-13
Company: American Recovery Service Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a small business owner who had a merchant account with XXXX XXXX XXXX XXXX, whos headquarters in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. They closed my account in XXXX of XXXX and sent me a statement in the amount of {$120.00}. When I contacted them, they told me that the actual amount is {$21.00}, but they added the {$100.00}, which is a collection fee. That was the very first time that they have sent me a letter and requesting the amount of {$21.00}, and I dont even know why they added that {$100.00} collection fee ( they are not even a collection agency ). Later on, on XX/XX/XXXX I received a letter form ARSI ( American Recovery Service Incorporated XXXX which is a collection agency, demanding me to pay {$110.00}. When I contacted them, they told me that this is a collection that was referred to them by XXXX XXXX XXXX XXXX. I have never been contacted, received bills or demand letters by XXXX XXXX XXXX XXXX XXXX XXXX ) about this amount, yet they directly transferred this amount to ARSI for collection. When I tried getting some answers from XXXX, they told me that they can not provide me any information about this debt, including what it is for, why wasnt I contacted and received any statements. I told them this is my right to know what this payment is for, but they refused to give me any explanation. I feel like XXXX and ARSI are they just extorting people without giving them any reason or explanation. I dont even know why I owe them money? They can not do this to people and not be accountable for. I wouldnt be surprised if ARSI and XXXX have common interest in the final collection amount, or they might even be affiliated companies.

Company response to consumer: Closed with explanation