BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I recently contacted Capital One for a 2 month extension until I can find another job since I was laid-off on XXXX/XXXX/16. I have filed for unemployment, which is not even half of what I was getting paid before, and unemployment will not kick in until the next few weeks. I was told that I could not be granted an extension. This is a SCRA account and I am a good paying and long term customer that needs some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Fitzgerald Goldman & Associates, Inc.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
The company Fitzgerald, Goldman & Associates XXXX XXXX XXXX contacted me via an automated call today at my place of employment after being told not to call me at work. I called them back LIVID and told them once again not to call me at work. She said that they would continue to call until I made arrangements to pay the debt. I asked who the original lender was, she said that it was a payday loan but would n't give me the name of the company. I told her that they needed to contact me via mail with documentation. I told her that I had never received any correspondence. She said that had sent correspondence. She is a LIAR. I have NEVER gotten any correspondence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Responding to a promotion of {$200.00} bonus, I opened up a checking account at Peoples United Bank XXXX branch XX/XX/2019. By XXXX, I have met the requirement to receive the bonus. Not seeing the bonus posted to my account, I have contacted the bank multiple times. Back in XXXX, I spoke with XXXX initially, who said that he agreed that I had met the requirement, and needed to work with the back office to get this processed. Since then, I have followed up multiple times, all with the promise to call me back, but never happened across different bankers in the XXXX XXXX XXXX branch. Finally, Spoke to XXXX today who indicated that their marketing team refuses to grant the {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-09
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I 've had my bank accounts with PNC Bank for several years now with basically no complaints. In XX/XX/XXXX, I had XXXX fraudulent charges on my debit card, which PNC refunded ( stopped payment ) on XXXX of the XXXX. They left me hanging for the fourth - XXXX XXXX confections and told me I was on my own, but provided me no details of the transaction. As a result of the fraudulent charges, PNC issued me a new debit card, which is where this complaint starts. On XX/XX/XXXX, XXXX charged my NEW debit card {$95.00} and I have not given this card # out to any companies or used it online. So, I called PNC and asked them to file a dispute. Again, they told me they offered no support, I was on my own. I asked them for Corporate Security and to start a fraud investigation. Only then did the representative take a 'questionnaire ' from me about the incident. During this 'questionairre ' she asked me to falsify my first answer " Did you give out this card # to the company in question? '' She informed me that answering yes would expedite my process, answering no would cause me problems, But I did n't give out the card #, what am I supposed to say? " If you say yes, your claim will be processed, if you say no, you will have difficulties with this claim. '' I told her I was n't going to lie and left my answer as " no '', I had not given out the card #. Feeling uncomfortable, I asked to escalate this complaint. She complied by giving me a # I could leave a VM on. After that, I asked her how a random company could get my account information. The representative informed me that upon issuance of the replacement debit card in XX/XX/XXXX, PNC had done me the 'service ' of giving out the new card information to any merchants who had claimed a recurring charge on the old card. WHAT?!? I asked her to repeat what she had just told me and she did from her script. Again, WHAT?!? You replace a card for fraud, and give out the new card information without my knowledge or approval? I want my money back. I want damages. I want credit monitoring due to the breach by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CURO Intermediate Holdings
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am a single mom with XXXX kids. My car was repossessed unexpectedly in XXXX 2016, I purchased another vehicle ; plus the cost of paying full coverage insurance made my living expenses difficult to pay for my other bills. I experienced trouble paying my rent in XXXX, XXXX, XXXX, and XXXX of 2016 which is why I went to Speedy Cash. 
At the time I applied for an LOC for {$600.00}. A young lady that works there told me about a title loan. I took it out in addition to pay for my car note and rent because I was behind on both at the time. The lady told me the interest rate would be cheaper but that is not true. I am paying about 300 % in interest and fees this is hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: PACIFIC WESTERN BANK
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of a rental property. We are well past the proposed timeline. I can not get in contact with anyone. My loan office has not responded to my calls or texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank is trying to take my money from the SBA loan I was approved for. The blocked my accounts and would not return the money to me or to them and I have to pay that money back to the SBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX .XXXX clinic said I had a copay for {$960.00} which I paid upfront.I got a account XXXX and additional amount.I called then up and told them I have already paid it.They send my bill to a collection agency.I called and tell them I refuse to pay it because I have already paid it 1 year later the XXXX clinic send me a XXXX for XXXX for over payment I called the collection agency and offer to pay them They refused the amount .My credit record is ruined and they still do not want to listen to me or help me Why am I beiing punished if they could not do there work

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions 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 been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.

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 2021-09-01
Company: Camelot Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Received threatening emails and phone calls regarding being served with court documents and a law suit as well as several criminal charges unless I paid them in the next 2 days I believe it to be a scam and didnt know where to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There have been several major problems with Caliber Mortgage, as I have complained about their failures 2 times -- -failure to post payments ( signif. amts ... {>= $1,000,000} since XX/XX/XXXX ), failure to update my account accurately -- -in turn, failures to report accurate info to XXXX Credit Bureau XXXX My credit score is suffering, due to inaccurate reporting info. Also, they say I owe for XX/XX/XXXX -- -not true. And they 're threatening foreclosure action, even tho I 'm paid up on mortgate..thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Carvana Group, LLC
State: FL
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:
Someone tried to apply for credit with my social security number without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Roseberry Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a title loan with XXXX XXXX XXXX XXXX XXXX My XXXX payment was late, so they began calling my references. One reference was my father whom was unaware i had a title loan, which i wanted him to be, that i had a title loan. So they called him on XX/XX/XXXX, i then received a text from him saying i paid your title loan off in full because they kept calling me. An employee called him and he asked if i had pawned my tahoe title. if so let him pay it off. the employee stated YES. which was a lie. my title loan was a XXXXXXXX XXXX XXXX that i rarely drive, my main car is my tahoe. The employee asked my father if he thought i'd mind if they gave him my account information, he said surley not, so they proceeded to tell him my due date, late amount and pay off & accepted {$760.00} via cash payment, told him to go to the bank and bring his bank statement where it cleared and they would give him my title! I instantly tried to call them 3+ times, no answer : so i asked a friend of mine to call and let them know to please call me. They instantly answered his phone call, he told them he was calling for me that i needed to speak to them over a transaction on my account, they start telling him to tell me they're sorry, they will void the transaction, they thought i wouldn't care, they hang up and instead of calling me back, they call HiM back and tell him to tell me that i now owe {$760.00}, i have until XX/XX/XXXX to pay in full, or it'll be repoed.They then call my dad back to to tell him they sent his money back and said my " husband '' called angry and demanded a refund. I am in fact single, which they know according to my application, i have no spouse, so they're now trying to say husband as an excuse to again tellling someone my private information!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Prospect Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Prospect Mortgage, XXXX, SC XXXXXXXXis placing a mortgage on XXXX, SC declaring " there is no litigation '' related to the property, when indeed litigation has initiated with : XXXX, South Carolina, XXXX XXXX ( XXXX ) XXXXXXXXThis attorney is a class action firm and their last similar but smaller litigation for the same type of " structural defects '' was {$200.00} XXXX. 
Prospect mortgage hopes to place this mortgage denying that any litigation exists, " before the litigation is registered in the land records ''. 
My complaint is this is UNETHICAL at best and perhaps worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-18
Company: Credit Systems International, 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: Their investigation did not fix an error on your report

Complaint:
Credit Systems Int. is reporting inaccuracies to XXXX and XXXX. One example is that they are reporting Date Last Active as XX/XX/2022 ... .I have never been active on this account. I have never signed a contract with this company or owed this company one cent. I would like for you to investigate this matter. I need validation of debt, and I need legal documentation with my signature stating I owe Credit Systes and the exact amount. I am going to file a complaint with the state attorneys office for violation of the FCRA and FDCPA if they don't remove it by next week. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: CITIBANK, N.A.
State: VT
Product: Credit card
Issue: Billing disputes

Complaint:
I " bought '' a refrigerator from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, but wo n't deliver the refrigerator until XXXX/XXXX/2016. 

I " bought '' a tv from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, said they would deliver it on XXXX/XXXX/2016, but now say they ca n't. 

I complained to the Best Buy store manager that they should not charge my credit card until they actually deliver the product. The manager said charging my credit card immediately was their " policy. ''

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 2015-04-10
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have received numerous calls from IC Systems saying they are trying to collect a debt and they need more information from me ( date of birth, social security #, or home address ). IC Systems has never sent me a bill. They would like me to pay over the phone. The amount owed is {$88.00} and was for an XXXX performed on XXXX XXXX, XX/XX/2015. I did have an XXXX on XXXX/XXXX/XX/XX/2015 at XXXX XXXX XXXX XXXX. I called XXXX XXXX. XXXX XXXX said that I do not owe that amount. I have not received a bill yet from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Alliance One, Inc.
State: OH
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 have received XXXX calls over the last year concerning XXXX people who i am not associated with and do not know. Although I have asked these companies to STOP calling here and to remove my number from their records, they have not. They are continuing with this pursuit no matter what i do. I am also on the do not call list since 2013 ( XXXX ) I have reported these companies over and over again but the calls continue under different names ... sometimes private numbers all in pursuit of XXXX and XXXX. I need help to stop this invasion. I consider this Harrassment and want it to stop. I also want them penalized for the Harrassment and continues to this day. As a matter of fact today i got another call which i reported to do not call. My evidence lies in all the complaints over the last year to do not call You may contact them and check my story

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know who or what this is. When trying to verify, all they could verify was my name, social and past address. Problem is... I'm a victim of the XXXX breach back in the day so all of this information is verifiable. I have pending litigation against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: GA
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:
*The Correct and Only Spelling Of My Name Is XXXX XXXX *These Following Addresses Do Not Belong To Me I Need It Removed Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These Inquiries Are Fraudulent and Also Need To Be Investigated & Removed From Credit Report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Accordance with the Fair Credit Reporting act XXXX XXXX  has Violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to Privacy 15U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: FL
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:
Notice of pending litigation seeking relief and monetary damages under FCRA Section 616 & Section 617 please accept this final written offer of settlement before litigation as my attempt to amicably resolve your continued violation of the Fair credit reporting Act regarding your refusal to delete unverified information from my consumer file.I intended to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately.a copy of this letter as well as copies of the three written letter sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

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