BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I just logged onto my account with Citi to find a payment was 36 days overdue. Ironically I never missed a payment with any company in years and just received an email about that earlier today. I checked my email to see if I missed a notice but couldn't find any from Citi. I was having a difficult time trying to find a statement on the Citi site and finally started a chat session to find out what's going on. The first person led me to my statements and I saw a {$39.00} fee and asked about it. They said it was because of a missed payment. I say I never got a notice, email or otherwise, it goes back and forth until I realize there was a fee on the XXXX bill as well. When I looked more at the statements I saw two purchases from XXXX AND I DON'T HAVE A XXXX ACCOUNT. I mentioned this to the person and they say they are making notes for another department to waive fees and want to transfer me to them. Someone else comes on and says they tried to waive the fees and was denied. He gave me a number to call and speak to someone about the fees and says he will issue a new card. Then he says he can't issue a new card or the fees won't be reversed. It has been nothing but confusion to this point so I call the number. I try to speak to a person and get a computer-generated message saying " fees can not be waived '' and the call disconnects. Now I admit I've been having trouble seeing since I had XXXX  XXXX for a XXXX XXXX on XXXX XXXX, been back twice for additional XXXX and still can't XXXX   clearly but if I had gotten an email I would have responded and paid my bill. Citi just opened this account 3 months ago and I'm sure they saw that I have never been late on any payments and this situation is going to ruin my good credit. This experience has been horrible. Even when I asked for a copy of the chat they tell me to click on an icon on the top of the chatbox, BUT THE ICON WASN'T THERE. I hate to say they are taking advantage of a senior citizen but they are doing absolutely nothing to resolve the issue, just conflicting information. 
I had to copy and paste it before the chat box was closed. Horrible company for customer service.

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 2019-07-29
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I pay off and resolved the account in full with XXXX.

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 2019-07-26
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeat calls to my place of employment after being asked not to call. Every time I request documentation on the debt, they hang up and call back later XXXX XXXX states she's a locator service on behalf of XXXX XXXX and that if I don't pay, I will be arrested. When I asked for documentation regarding the debt, first she gave me a claim # XXXX and a phone number to call XXXX. I called the number and presented them with the claim number and asked for a paper copy to be mailed to my address to ensure it's validity. I was told a bunch of things regarding a release that I have no clue about. XXXX XXXX calls an hour later and states she hasn't received a release from XXXX XXXX  and she needs serve me documents. As I attempted to provide/verify the address she already had, she hung up the phone. Next day, XXXX calls my job and is transferred to me. She asked to speak with the Director of HR. I initially transferred the call but it came back to me and that is when she identified herself. I told her she can't call my work phone and I tried to provide the address for the documents again. She hung up and called back and eventually got in touch with the Director of HR. She left him the same information she previously gave me, XXXX XXXX-claim # XXXX. After I received the message, I called and talked to a XXXX who stated they have nothing to do with the locator service tactics and they could not stop the locator service from calling unless I set up a payment plan. At this point, my wife ( 6 ) has received the same calls from XXXX XXXX and my supervisor ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Choice Recovery, Inc.
State: OH
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:
CHOICE RECOVERY INC Original creditor : XXXX XXXX XXXX XXXX Open Balance : {$200.00} Remarks : Account information disputed by consumer, meets FCRA requirements verified information with insurance and they have a paid claim on file for said service : have disputed this information and have never received a detailed explanation of debt : i have a {$0.00} balance from original creditor and they advised all claims on file and all cost share have been paid by myself/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 2018-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have explained under the FCRA that the debt that this company is trying to collect is not valid. I have sent out a letter XX/XX/2018. I have also mailed out a second letter on XX/XX/2018 asking to validate the debt in which they have not. I mailed out my third letter on XX/XX/XXXX under the FCRA and asked to provide documents with my original signature in which they have not. I have also mailed out a cease and desist letter out on XX/XX/XXXX after receiving numerous calls from various numbers under that company. They have also reinserted debts onto my report without notifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was a victim of fraud through a phone call scam. The scammer asked me to send money through XXXX. After the money was sent, I realized that this was a scam and I called Wells Fargo immediately to inform them. I also filed a police report with the XXXX XXXX police department. I have filed a few claims with Wells Fargo since they are declining to refund the money to me. I also have a letter from the Attorney General stating that my situation was a fraudulent scam. Before I get lawyers involved and go to small claims court, I am submitting another complaint that includes actual verbiage from the EFTA as to why I am protected as the consumer and why Wells Fargo needs to refund the money in order to oblige by the FDIC and EFTA. Here are a few exerpts that I have copied and pasted regarding " unauthorized '' transactions and what that is defined as. There is an argument based on the plain language of Regulation E that since the consumer has " furnished the access device '' to the third party, the transaction may not qualify as an unauthorized EFT. However, the official interpretation of Regulation E provides the contrary answeran unauthorized EFT includes any transfer initiated by a person who obtained an access device through fraud, robbery, or force. My situation falls under fraud! Wells Fargo tried to also say that I could have called the sheriff 's department to verify the information that was being given to me. I said, " the phone call came from the police department and the person told me his name and I googled and it was in fact the name of a XXXX XXXX sheriff, so why would I call them if I think I am on the phone with them ''? Not to mention, it is actually illegal for Wells Fargo to say that I should have done something like that!! The CFPB made clear that a consumer is entitled to receive the liability protections of Regulation E, even if that consumer acted negligently. The EFTA is regulated and enforced by the Consumer Financial Protection Bureau ( CFPB ). This US government agency has made it clear that when scammers access accounts by fraud or robbery, the resulting transactions fall into the unauthorized category. The CFPA confirmed that the EFTA protects consumers who have been swindled and the Act requires investigation and reimbursement according to its terms. When a consumer is tricked or manipulated into allowing access to their account, all related transfers are considered unauthorized.

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 2022-08-25
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2022 I received an alert notifying me that a new collection had been reported on my credit bureaus. I checked and saw that a company called XXXX XXXX XXXX was showing a debt owed. This was a surprise to me because I had not received any type of communication from this company and according to the CFPB Debt Collection Rule : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

None of this was followed .... To this date I still show this reporting to the credit bureaus without my written instructions. 
I have never done any business with this company have any type of contract or agreement, and therefore they have no right to report anything on my credit report. XXXX XXXX XXXX is also reporting this an open account with them as XX/XX/2022 which is fraud. 

In accordance with the Fair Credit Reporting Act - XXXX XXXX XXXX  - Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A - States I have to the right to privacy 15 U.S.C 1681 Section 604 A - Also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2020-04-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I cosigned, through XXXX XXXX, a lease in XXXX for my son. He allowed the vehicle to get repossessed and we were responsible for the remainder of the vehicle value after it was sold at auction. I paid this account in full in XX/XX/XXXX. I have repeatedly called and asked for a paid in full statement and a correction to my credit report. Neither has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: PROVIDENT FUNDING ASSOCIATES
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The servicer of our loan is Provident Funding Associates and our loan with them opened in XX/XX/XXXX. We have had experiences with this company as what we perceive to be unlawful and damaging. Our first negative experience with them was many years ago ( XX/XX/XXXX-XX/XX/XXXX ) before your agency existed and we would like to bring awareness of that situation should it still be relevant. In recent months, due to circumstances beyond our control our household income has decreased significantly and are having great difficulty making the payments. We submitted all of our information to them in XX/XX/XXXX and again in XX/XX/XXXX seeking relief.Based on what we have experienced, we are certain they have had no interest whatsoever with trying to help us and have looked for every way possible to not help us. We felt compelled to bring awareness of our experiences to your agency, all of the facts associated with the process ' and look forward to the opportunity to speaking with someone at the CFPB about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Upgrade, 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 status incorrect

Complaint:
I was alerted via a credit monitoring service that a late payment was reported to an account. I investigated and found that personal loan company Upgrade, whom I had paid off entirely last year, and had no late payments ever on, had sent all the bureaus notifications that I had XXXX 180 days or more late payments. After the shock wore off, I immediately reached out to Upgrade and received an email that admitted their error in reporting false information and that they had " taken steps to correct the information with all 3 credit agencies ''. I was in the process of purchasing property, my score tanked and I has to withdraw my offer. After working so hard to have the best score to actually buy the house of our dreams, we lost the house over this. I filed disputes and XXXX closed their case after sending me notice that the " creditor certified their reporting ''. I was livid! I have an email from Upgrade stating they made this mistake and that's not good enough? This is outrageous, I was never late, even over COVID because I protect my score, it's so important. This has caused me egregious harm and no one seems to be listening. My payment history is 100 % with Upgrade and their emails saying that they are 'working to correct the issue ' are just lies at this point because they certified the lates with XXXX after I filed the dispute to correct this- which they also told me to do. My payment history is not a secret and it is a simple fact that is indisputable, so please someone, correct this inaccurate reporting so I can have my score back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Convergent Resources, 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: Their investigation did not fix an error on your report

Complaint:
I 've disputed information on my report with XXXX XXXX not being correct. But still showing conflicting information. Report is showing discrepancies between all 3 major credit bureaus. Showing one account OPEN on one reporting agency CLOSED on other reporting agencies. Also reporting late payment on a CLOSED account. Between XXXX and XXXX reported a one late to credit bureaus. I am demanding this account with XXXX XXXX be deleted from all 3 credit bureaus immediately. 

I am trying to avoid going to court with 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 2021-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was tricked into sending money through XXXX which left me with a several XXXX dollar loss and my bank can not help recover the funds. Someone looking to sublet my apartment through XXXX XXXX contacted me and asked for details and photos about my listing. After asking me to reserve the room for them they sent me {$3900.00} for rent via digital check which I deposited after they urged me to do so. The sublet fell through, they then asked me to send the funds via XXXX to someone else they claimed to be a moving agent and a new renter. I was not aware that the funds made available in my account were just expedited and that the check had not been cleared. Since the money was in my account, I thought it was safe to send their money back without risk to myself. On XX/XX/XXXX when a portion of the check was available, I sent {$500.00} to XXXX and the following day when the whole check was available, I sent {$2000.00} to XXXX over XXXX and the remaining {$1300.00} over XXXX to XXXX. So now I am back to my original balance in my bank account and I think I am in the clear. The next day I find the original check was charged back and I was left with a loss of the original amount. I contact Chase bank about filing a claim but they say they can only help me file for the XXXX transaction and to contact customer service at XXXX. XXXX has no protection against fraud. I call Chase bank again and report the XXXX transactions but am told that there is no guarantee of recovering the money. Neither of the companies claim they are capable of helping me recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, 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:
I received a bill in early XX/XX/XXXX from XXXX XXXX for {$720.00}. I never had an account with that company. I called them and spent over an hour on the phone during which the person I spoke to confirmed the following : ( 1 ) I never had an account with XXXX. ( 2 ) They received my information when the acquired XXXX XXXX service in XXXX XXXX, CA. ( 3 ) My account with XXXX was closed at the time XXXX acquired the account with a XXXX balance. Despite acknowledging these three items the woman said she could only route me to their billing department to set up a payment plan. I explained how illogical it was to make payments on a non-existent debt. She said she could n't correct the records, I could just set up a payment plan. Eventually she said she 'd transfer the call to someone who could help me but all she did was route me to the people who set up payment plans. I told them I did n't owe the debt and they re-routed back to the same number where I had just spent over an hour on hold waiting to be told nothing could be done. Rather than waste another hour talking to someone that I knew was n't going to resolve the issue, and having seen online the fact that numerous people in XXXX XXXX were complaining about XXXX being unresponsive to all complaints, I sent a check ( # XXXX ) to XXXX for {$720.00} on XX/XX/XXXX. I referenced on the face of the check that I did not owe the debt and that it was, in fact, a fake debt ( I have a copy of it ). As of the last time I checked, XXXX did not cash that check. I then received a notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX saying they were trying to collect the non-existent {$720.00} debt. I called XXXX again and spent another hour during which another XXXX employee re-confirmed the same three facts mentioned above. Despite recognizing that I obviously did not owe XXXX any money and that my old ( closed ) XXXX account also had a XXXX balance when it was acquired by XXXX, she asked me to send all of my records of payments to XXXX in order to confirm that XXXX 's own records were accurate that I did not owe XXXX {$720.00}. I explained that any such attempt was much more time-consuming than {$720.00} was worth even if I still had such records which I was certain I did not have. A short time later she hung up or we were disconnected as she tried to transfer my call. In an effort to save my credit rating from this utterly false debt claim, I did as directed in the letter and sent another check for {$720.00} directly to XXXX ( but this time without noting on the face of the check that I did n't owe it ). XXXX cashed that check on XX/XX/XXXX. Despite paying the amount that I never owed, XXXX reported this fake debt as a charge off and my credit rating dropped from well over XXXX  to less than XXXX. It is now affecting my ability to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Adler Wallach & Associates, 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation