BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was applying for a auto loan and I was denied because of my bad credit history. I obtained my credit report from XXXX, XXXX, and XXXX and I figured out that there are several accounts that do not belong to me. I am a victim of identity theft and somebody stole my personal identification information and opened accounts under my name. I filed a police report from XXXX Police Department ( Police report No : XXXX ) on XXXX XXXX, 2014 and sent the police report to all credit bureaus and creditors. Since now, I did not get any results and the credit bureaus refuse to resolve this problem. I called to XXXX many many times and asked them to block the fraudulent accounts but they did not pay any attention to my dispute. I talked to XXXX XXXX who was from XXXX Fraud Department ( he was from XXXX that how he introduced himself ) and he did not even go through the documents that I send to XXXX. He told me that he could only redispute the fraudulent accounts, I told him that since XXXX 2014 and I am disputing fraudulent accounts but still no results. Please help me to resolve the problem, because my credit was damaged for some reason and the following accounts are opened under my name : Bank of America ( acc no : XXXX .... ), XXXX XXXX - ( acc no : XXXX .... ), XXXX XXXX ( acc no : XXXX .... ), and XXXX ( acc no : XXXX .... ). Also, please see attached the police report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I apparently have a credit card debt to JP Morgan for {$1900.00} and I do not know what it is From or too whom to pay? I had recently paid off all my credit cards yet my credit report claims this debt. I have no idea of how to pay it or whom to pay it to ... .can someone help me with directing to me to phone numbers that no one ever answers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I believe this is a scam text : FINAL REMINDER : Equifax Has Flagged Your Account For Unusual Activity, Last Date To Resolve, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX issued a {$50.00} debit card to me. It expired XX/XX/XXXX and I would like it to be reissued to me.

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 2021-03-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Employers show tooltip button Select as many as apply CHILD CARE Employment Inaccurate Use this reason if this is not your employer. 

XXXX Employment Inaccurate Use this reason if this is not your employer. 

XXXX XXXX XXXX Employment Inaccurate Use this reason if this is not your how can equifax just have amounts collections but no names or where they come frome FCRA violations see attachments remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This account appears to be from XXXX XXXX XXXX I had in XX/XX/2010. 

It is unknown why car insurance company would attempt to file a bad debt as in NO means whatsoever did I request any type or form of credit line from this company. I switched to XXXX in good standing around that period and was not whatsoever carrying any kind of ongoing payment obligation to XXXX. 

More importantly, this account is noted from XX/XX/2010, XXXX is falsifying all reference to this account in effort to collect monies NOT owed. 

This account is causing me financial detriment and I will be filing with the state attorneys office for fraud as well the FTC if not immediately removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 the 3 credit bureaus regarding my Dept Ed/Nelnet account, I didn't recognize this account from Dept of Ed/nelnet and requested they remove it, this shows as a closed account on my report. Instead, they dinged my credit report for the month of XXXX and XX/XX/2021. I later realized I had paid these accounts off and do not owe anything. 
I want this fixed on my credit report because this dropped my scores by 54 points by reporting them negative to the bureaus. Can you please help me resolve this. I don't understand how they can ding me for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Default : Collection Agency Subtle Scam? 

What protection do we ( age XXXX ) have when a collection agency ( this XXXX in XXXX XXXX ) places us on 'default ' through their lawyers because they allegedly did not receive the check we sent? 

Our records show we have been diligently paying for a medical bill ( incurred during an emergency ) with this collection agency, in spite of the fact that the hospital kept sending us " 0 '' Amount You Owe -- then popped this Collection Agency ( Please see attached document ). 

Abruptly, half way sending our payments - during the tax refund season at that - we got a call a day after the 'default day ' that we are on default ; subtly informing us this would be forwarded to the credit bureau. 

We are buying a house, about to make the walk-through next month ; you could imagine how conscientious we are on every step of the way regarding credit issues. 

Can this collection agency simply claim, " Sorry, you defaulted, we did not receive the check ...? " We never lost any check we issued -- we make sure we mailed letters/checks directly with our post office. 

I wonder, as a XXXX, how many defaults are incurred due to non-receipt of check payments by this particular XXXX XXXX collection agency, or possibly other collection agencies? Would you happen to have data on this concern? 

In addition, is it the practice of collection agency NOT to send bill or payment confirmation? This collection agency said, " We do n't do that. " This is an alert I would like to share. 

I would be happy to send you the details. 

Have a wonderful day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We sent the Loan pay off by wire transfer on XXXX early in the morning, 2 days after they didn't credit the account yet and refuse to inform where are the funds sent to pay off the Loan.

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 2015-06-25
Company: Whipple Law, P.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a letter from Whipple Law, P.A. ( the " Law Firm '' ) regarding collection of my credit card account with XXXX XXXX XXXX in XX/XX/XXXX. On XXXX XXXX, I contacted the Law Firm regarding payment options of the debt. I spoke with XXXX XXXX who provided little to no information on the debt collection process and reporting my updated status with the credit bureaus. After making several calls to XXXX XXXX XXXX and the credit bureaus I received the information I needed to move forward. XXXX only demanded my payment. In an attempt to improve my credit worthiness, I paid the Law Firm in full the amount owed on XXXX XXXX, XXXX. I have demanded a letter stating my account was paid in full three times. Each time XXXX promised to send the letter. Upon further reading of XXXX 's email I see he is a Paralegal. His email signature states the following : XXXX XXXX Para-Legal Debt Collector Whipple Law, P.A. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Fax : XXXX XXXXXXXXXXXX As of XXXX XXXX, XXXX, I still have not received my letter verifying I paid the amount in full. AS a result, I can not update my credit report. The time to receive the letter is unreasonable and unprofessional. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been a victim of identity theft. My social security number was fraudulently used to open a prepaid debit card. The post office caught the incorrect address and sent the card to my real address. Thats how i found out. I contacted all 3 credit reporting agencies and had fraud alerts and credit freezes placed with 2 of them. 

On XX/XX/2021 Equifax refused to both allow me to place a fraud alert on my credit report and refused to allow me to freeze my credit report. 

The employee i spoke to was a supervisor by the name of XXXX. His employee number is XXXX. 

Its almost impossible to get though to talk to anyone. As a result I contacted XXXX XXXX to make sure the fraud alert was in place and they would contact the other 2 credit reporting companies. But the fact that EQUIFAX is refusing to place the credit freeze and fraud alert is very disconcerting. Im still open to the possibility of having accounts opened in my name if such financial institution uses EQUIFAX as I was refused a credit freeze as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Harris & Harris, Ltd.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB Good day. 
City of XXXX fire department send me a bill for emergency ambulance service on the date of XXXX which i paid on XX/XX/XXXX .After almost about a year later on XXXX XXXX XXXX a XXXX based collection company named Harris and Harris send me Delinquency notification ( XXXX XXXX ) for the above mentioned debt.I spoke with them ( XXXX XXXX XXXX ID XXXX ) that I paid in full almost a year ago and fax them the bank statement ( to XXXX ) XXXX But despite all this Harris and Harris send my account information to XXXX due to unpaid balance which drop my credit score tremendously.Then i called the XXXX of XXXX XXXX fire department they added XXXX as paid amount though i paid XXXX which is the original bill and they showed XXXX as unpaid and the collection agency without informing me send this information to XXXX.this is a harassment from harris and harris and they have a motive to get extra money i believe.I have the documentation of correspondence. I will be more than happy to send you that if you need for investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
I made a payment on time, but the Ally bank reported that I was late with my payments. And they reported me late for several months. After I called them multiple times they corrected that information and told me they will tell the credit reporting agencies that I was not late on my payments. But a month later they send me a letter again saying I was late 30 days. For some reason they are not able to find the payment I made through XXXX XXXX XXXX XXXX. The payment posted on my bank statement on XX/XX/2019, but I made that payment before that. I am attaching my bank statement showing highlighted 1st payment. Please help me. This is already going on for a year. Its damaging my credit score.

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 2015-04-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a contractual agreement with Citi-Bank on a Balance transfer from XXXX Credit card to Citi-Bank. The reason for the transfer for a lower interest rate. Citi-Bank entered into an agreement to have the interest rate remain the same for the term of the note. Citibank increased the interest without notice. Whereas payment to Citi-Bank was through direct debit my bank account. After several calls to Citi-Bank customer service, they admitted their mistake and corrected it. I received a statements reflecting this error and showing a corrected actions. Then I received a statement from Citi-Card once again with an increased interest rate to 29.5 % and a penalty for not paying a full payment. I have been advised by my attorney that this action was a freud, a former Judge also stated that Citi-Bank had committed a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have received two notices within the past 2 months from XXXX XXXX in XXXX  XXXX in the amount of {$270.00}, taken out in my maiden name XXXX ( the first name spelled in the loan paperwork XXXX and my maiden name XXXX. I never took out a loan from this lender and they noted that this loan was initiated on XX/XX/XXXX. Today XX/XX/XXXX I received an email letter from yet another XXXX XXXX lender ( Ace Cash Express ) stating that I owe {$570.00} for a loan that is now in collections under the name of XXXX XXXX again I never took out a loan from this company or in this amount. When I called to discuss with them they told me that they were going to send over a " Forgery Affidavit '' that would need to be signed by me and notarized along with my case number from the police. I asked when the loan was originated and they told me that it was XX/XX/XXXX. I contacted the XXXX XXXX Kansas Police Department to file my case and they told me to use the following number # XXXX for both disputes and to file this scam report with the FTC.Gov as well as the IC3.Gov websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Losing my wallet has compromised my identity and the aftermath is a result of unknown and unauthorized accounts reporting on my credit profile. These unauthorized accounts shall be removed from my credit file immediately. The following accounts are. 

1. XXXX XXXX  2. XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXXXX XXXX  3. XXXX XXXX XXXX 4XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of E/DXXXX XXXX {$3800.00} 8. Dept of EDXXXX XXXX {$1900.00}

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 2015-04-30
Company: The Regional Adjustment Bureau, Incorporated
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called Reg adjustment bureau. The next morning I called them, they claim to be collected for a company called XXXX XXXX XXXX XXXX and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to XXXX XXXX XXXX XXXX, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither XXXX XXXX nor Reg adjustment Bureau is taking responsibility for adding that mark on my credit report. Reg Adjustment Bureau is asking me to pay them XXXX to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm a former Simple Bank account holder who put faith in this " seamless '' transition to BBVA on the premise that all my account numbers and cards would remain intact throughout this six month process. It's now been four days since I've been locked out of both old and new accounts with my debit card rendered useless while customer service continues to hang up on customers after keeping us on hold for hours. Whenever a service rep miraculously does answer, it becomes clear that BBVA hasn't even trained them on how to resolve the issues. Rumor also has it that BBVA has a cancellation fee for anyone hoping to take their banking elsewhere, despite their promise to " waive fees '' for Simple users the first 30 days. 

I'm currently working two jobs, seven days a week, and have no way of even purchasing gas for my commute since my partner also has a frozen account due to this transition. I have $ XXXX in student debt to pay off in addition to my monthy car, insurance, family phone, and credit bills that are soon going to bounce since I'm enrolled in auto pay linked to my previous account. It took me years to establish my good credit, and missing a payment could now jeopardize that as well as further complicate my current apartment search. NOT TO MENTION I'm due for a XXXX  XXXX  and XXXX  XXXX  extraction that I'm now unable to pay for, which adds physical pain into the mix of mental hardship. 

We are still in the middle of a global pandemic and I am a XXXX man who was just pulled over during a racially tense time in America. I'm too tired to be worrying whether or not I can access what little money I've worked hard to save, nevermid the additional stress that someone could be draining my account right now, and I wouldn't even know it since I can't check on my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi Gold checking account in XXXX XXXX during a promotion they advertised where you could earn XXXX AAdvantage miles after opening a Citigold checking account, making {$1000.00} in debit card purchases and making one or more bill payments in two consecutive months. I met all the requirements of the offer and was told I would receive the XXXX AAdvantage miles by XXXX XXXX, XXXX. I never received any miles even after calling numerous times and being told that I would. I asked to speak with a manager and they said they can only submit a claim which could take an additional 90 days. This checking account has a {$30.00} fee each month and now I am being told I have to wait an additional 90 days to verify why I did not receive the bonus miles. I am a loyal Citi customer and have had XXXX credit cards with them since XXXX. I have an excellent credit score and I am loyal customer. I think they are false advertising promotions and not following through with their offers. Below is the code I used for the offer when I opened the checking account. 
XXXX AAdvantage code : 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 non-monetary relief
Consumer complaint received 2021-03-18
Company: BAM Management US Holdings Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The company Binance US is a Crypto Currency Exchange company where you can buy Crypto Currency. They are holding XXXXXX/XX/XXXX coins and XXXX XXXX coins since XX/XX/2021. I have put in multiple tickets with no fix since that date above. I have paid all fees and also did account verification with no fix in site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation