BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Kingston Data & Credit International Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from " Kingston Data and Credit International ''  stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XXXX of XXXX I cancelled my membership in accordance with the membership contract I signed in XXXX of XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. Kingston Data and Credit International. 

This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As astra put a collection on my credit reports on XX/XX/XXXX the debt was signed with XXXX XXXX  on XX/XX/XXXX and was due on XXXX XXXX, please look at timing between XX/XX/XXXX and day reported by ad astra on XX/XX/XXXX during covid. XXXX XXXX any other payday loan companys do not assign a debt to collection for months because they have late pay charges and ACH On bank account which they run through the bank for months before giving up on the debt, I can make XXXX XXXX show there records to prove that in court. but let assume they did after XXXX months, again please look at timing between XXXX of XXXX and XXXX of XXXX when this debt reported to credit bureaus, by law they are responsible to send ar leat one if not XXXX maild notice to consumers and ask for validation of debt which at least a month to respond, first of all the address they had was not an home address it's a church address where I retrieve my mail, you can easily XXXX the address and see it XXXX XXXX XXXX XXXX, the church office was closed during covid 19 crisis and all mail delivery was suspended and even us postal service was delaying distribution of mail, nobody at that time was collecting debt of referring debt to collection because nation was in crisis and people ordered to stay home, and jobless, and I didn't receive no mail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The amount of the debt is not accurate due to cramming charges added by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( Equifax , XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Equifax credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Equifax Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX, Equifax has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: GUARANTEED RATE INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home and the closing date was XXXX. I was given 2 temporary payment coupons to use until my account was finalized. I sent a check on XX/XX/XXXX for my XX/XX/XXXX payment. The check did not clear and my mortgage was transferred to XXXXXXXX XXXX. I was forced to make another payment to XXXXXXXX XXXX  so I would not be in default. That payment was made online on XX/XX/2021. THEN the check cleared from my original lender ( Guaranteed Rate ). That payment was not forwarded to XXXXXXXX XXXX  and now I am owed one months payment. I have made all payments to XXXX XXXX since then- on time. I have called Guaranteed Rate customer service over ten times. With long hold times and multiple call transfers.. I even had a conference call with XXXX and Guaranteed Rate on XXXX. The result of which was : " payment transfers can take a long time ''. 
I can, and will, provide all documentation and notes from ALL of my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received the following email from Citi on XXXX 
I funded the account with $ XXXX on XX/XX/XXXX. I left the $ $ in the account until XXXX. This is 70 days. I also kept a credit card and debit card with them for the same 70 days. 

I am, by their table, due $ XXXX. They are now unsure if they will be providing me with the $ XXXX. In the past, I have had several chats with them and well as phone calls. I left the money in their bank an additional 10 days beyond what they originally said was required. I followed all instructions their chat group in XXXX indicated that I needed to follow to receive the $ XXXX. Now, they appear to be balking at owing me. I believe they have CLEARLY committed fraud. PLEASE HELP ME! XXXX XXXX XXXX XXXX CITI OFFER IN MY EMAIL ON XX/XX/XXXXXXXX 


" Do more with Citi, get more from Citi Get great benefits with a Citi checking account and earn a bonus of up to $ XXXX with required activities XXXX XXXX with your Citi Custom CashSM Card, you already get benefits like acceptance at 70 million locations and {$0.00} XXXX on unauthorized charges. Now you can manage your card and checking account together to simplify your life, and earn more with this special offer. 
Don't wait this offer expires on XXXX XXXX XXXX  See Offer Details Offer not available in branch Earn up to {$2000.00}. 
Here 's how : Apply for a Citi checking account* Within 20 days of opening, deposit required balance ( see chart below ) in NewtoCitibank Funds Maintain required minimum balance after account opening for an additional 60 consecutive days Your cash bonus will be deposited to your open, eligible account within 30 days after you complete all required activities. 

You must also have a Citi credit card from the time you open your account until you complete your Maintenance Period. 

You must have received the offer directly from Citi to be eligible to participate in this promotion. 
Participation does not guarantee eligibility. ''

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 2016-09-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied American Express Platinuim Card on XXXX, through the XXXX welcome bonus after XXXX spending for the first three months. After spending about {$1300.00} on XXXX and {$1700.00} on XXXX, I got my welcome bonus on XXXX. But on XXXX they did a point adjustment, taking this welcome bonus off. I contacted their agent, they firstly said that I am not eligible for this targeted offer. After I showed that the link I clicked, they change the reason to that some of my spending was not eligible. I then asked them which one, they can not point out, just replying that this is their Rewards Dept. decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016 I received an email from American Express offering XXXX XXXX if I applied for a credit card. I had been holding off on applying for any cards but thought the XXXX XXXX would be worth it. I applied and re-read the email I received. My husband worked for a credit bureau and so we have always been selective when it comes to this type of decisions. The email stated, " earn XXXX XXXX after spending {$1000.00} or more on your card in eligible purchases in the first 3 months of card membership. Plus, receive a {$50.00} statement credit after you make a XXXX purchase with your new card in the first three months. " I spent over {$1000.00} in the first three months and waited to see the XXXX XXXX ... they never showed on my account. I contacted Amex several times only to get the run around. After finally speaking to a supervisor, I was asked for a promotion code but explained that the email I received had a direct link and was never asked to submit a promotion code. I saved the email, sent it to Amex to review and was told I would have a response within XXXX6 weeks. This happened two more times after waiting 6 weeks each time. Every time I spoke to someone I was told that the promotion code I used did not offer but XXXX XXXX. I repeatedly explained that the email I received and used to sign up for my card had no promotion code attached but rather used a direct link from that promotional email. I have waited months, spoken to at least XXXX supervisors and no one can get this resolved. I have attempted everything I can, I feel lied to and incredibly disappointed in the amex customer service. I have been treated as a liar when I have proven that I am a loyal customer who has continuously paid on time and only used the email that I received from them. XXXX supervisor had the audacity to say that I was attempting to get higher XXXX becuase their amounts and promo emails fluctuate. I had to explain that I had received offers of up to XXXX XXXX before yet i was not asking for that. I was simply asking for what was promised in the email I received from them. it had come down to principle. Their promotional email was either faulty and the direct link did not take me to the correct page or it was a blatant lie. Either way, after months of attempting to correct this issue I have come to a realization that American Express only employs incompetent people who can not resolve this simple issue. I do not recommend them to anyone anymore as I now see that correcting even the smallest issues are nearly impossible, they are not willing to take the time to research the matter rather they pass you off to different representatives, tell you to wait XXXX8 weeks each time you call or do n't bother to give you an answer but " this has already been reviewed and nothing can be done ''. Their business practices are nothing short of unprofessional, deceitful and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Disputed same errors on XXXX credit reports, XXXX bureau conducted the investigation and corrected the errors, the other bureau did not investigate anything however they did claim to have conducted an investigation, which is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being Harrassed by Resurgent/LVNV Funding regarding a debt from XXXX XXXX XXXX XXXX XXXX I did not give XXXX XXXX XXXX XXXX permission to share any of my personal information to Resurgent this is a violation of the Federal Credit Reporting Act. I did not signed anything with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware of the unauthorized charges due to my roommate stealing my debit card and using it. I did not make the charges. Also, Im requesting copies of every transaction to this account along with signatures on every transaction. Also, I would like for Resurgent to provide me with information on how this account was obtained and how much they paid for this account. I should have been notified that XXXX XXXX XXXX XXXX was selling my account to a junk debt buying company prior to account being sold. Again I am requesting all the above information to be sent to me within 30 business days. I am not responsible for this debt and I will seek guidance from a man attorney immediately. This company has harrassed me by phone and by mail after I informed them I didnt owe the debt. If this company report anything to the credit bureaus I will file a lawsuit for damages to my personal credit report. XXXX XXXX XXXX XXXX never reported this account die this account being a checking line of credit. Resurgent does not have the right to report anything to the credit bureaus. I want a copy of all transactions and signatures immediately. If I am harassed again I will file a lawsuit. I do not owe anything. I want to see all documents that were provided to Resurgent from XXXX XXXX XXXX XXXX. I did not agree to them selling or providing my personal information to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contact each creditor and credit bureaus with NO results I am a victim of identity TXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I closed my account and paid my last XXXX bill, and it shows as a Derogatory Account on my credit. The report shows the balance is {$0.00} and the last payment was made in XXXX 2016. It also shows I was reported to the credit bureau in XXXX 2016 and that the account was PAID CHGOFF. I assume this means even though I had a XXXX balance I was reported and XXXX claimed they paid off my account. I have called XXXX and they can not find me in their systems by my account number, social security number, or name. Curiously, I can still log into my online account, which shows a XXXX balance. I need to get this XXXX account removed from my credit reports, as it was not a " derogatory '' account but was paid a month prior to being reported. I have attached my screen shot of my {$0.00} balance, and you can note that it is the same account number as shows on my credit report. XXXX solution was to send me to the XXXX XXXX XXXX phone system that wanted me to pay {$10.00} to " temporarily freeze '' this transaction on my report, but no human could explain what that meant of why I would do that when they were unable to find me in their computer systems.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: IL
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:
Although XXXX, Experian and XXXX did remove " some '' of the unauthorized accounts and inquires, a few more remain.

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 2022-11-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent my daughter {$200.00} thru my banks on line transfer service. This is called XXXX. However she never received the funds. I filed a complaint with my bank Wells Fargo ( been with XXXX ) A week later I called to get status & was told the fraud department had an outage & was unable to receive calls. This went on for 3 weeks. During this time I contacted XXXX who told me because I used WF app they could not talk to me. Since this time I have called WF & XXXX many times. All I have been able to get is WF closed my complaint because they found no fraud. WF was told by XXXX that they sent the money to bank account connected to the phone number on the account which happens to be a disconnected number. 
When I tried to explain this to WF they said the case is closed. They will not help me further on this matter. When I call XXXX I get disconnected. XXXX transaction number is # 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 2015-06-19
Company: Seterus, Inc.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am in the process of a refinance. All of my paperwork is submitted, and I have been approved. The new loan company, XXXX Mortgage, is all set. The title company, XXXX XXXX, is all set. I was supposed to close today, XXXX XXXX. But the current loan holder, Seterus, has not issued the necessary payoff quote. XXXX XXXX made a request on XXXX XXXX, but it was denied because they did not use the internal Seterus form. They were never told that they had to use this form, even when on the phone with them. I was not notified of the denial. I have a secure email inbox on my Seterus account, and they did n't put a notice in there, only a notice that a fax request was received. So I submitted a payoff quote request online on XXXX XXXX. Upon submission, a note comes up that says give them up to XXXX business days. But when I call, they tell me it *might* take XXXX business days but maybe longer. All requests for expedited service are denied. Their communication has ranged from nonexistent to wildly unhelpful. I can only reach customer service reps by phone, and they will not escalate my request, saying instead that " everybody has a story. '' I am told by many people in real estate that the practices outlined above by Seterus are highly unusual. I feel like my loan is being held hostage by a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX, XXXX, I call Equifax disputing old accounts from XXXX with them. I was told that this account had just been placed with them in XXXX, and it will remain on my credit history until XXXX. 
I believe that Equifax is doing some illegal activities. I also spoke to a supervisor and he said that I can not dispute those dates, and he quit talking, leaving me on hold for about five minutes until I hung the phone. These report should have been removed in XXXX, however Equifax renew it in XXXX for an additional seven years. 
Who would expect a company such as Equifax participating in the fraudulent deceitful reporting something got to be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have spoken with both Equifax and XXXX credit bureaus and both have stated that the information XXXX XXXX is listing as my reason for being declined is not correct. 
I have seen a copy of both reports and also do not see the reasons listed from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: Alorica Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
GLOBAL RECEIVABLES SOLUTIONS SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XX/XX/XXXX2015 ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.

Company response to consumer: Closed with explanation