BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i went to the bank and told them that a guy had stole my idenity and hacked my XXXX XXXX  account and took funds out my account and they did nothing about it. I was told by an employee to get a police report and they would investigate and put the funds back in my account. At the time i was working in the oilfield away from home at weeks at a time. I came home to have a letter saying i owed them over {$1000.00} and my account was closed. This bank failed me in so many was also they reported this to XXXX XXXX   as if i caused the negative balance knowing i gave them all the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission identity Theft Affidavit. Please delete the items a soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a credit report showing a new inquiry from Amex I never applied and received a Amex card. I contact Amex was informed there is no account under my name. The inquiry knocked 80 points off my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been disputing 3 accounts with Transunion for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even 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 2017-10-09
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with originally therefore I have no obligation to pay this debt )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: HI
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, XXXX is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This XXXX XXXX XXXX, XXXX is in violation of the federal fair debt protection act 15 U.S.C. 1692.

The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft.

This debt is not owned by anyone in this household.

Also XXXX  XXXX  XXXX  was told that the account was the result of identity theft. 
I would like to know why is XXXX XXXX XXXX, XXXX trying to collect on a debt that is the result of identity theft? 
Reference number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Empowerment Ventures, LLC
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I was going to get gas I swiped my card and come to find out that it was denied. I then checked my phone and found it was put on hold. I called Rushcard only to find out that the option to speak to someone was no longer there. They changed their automated system did not send out an email about it and now there 's no way for me to talk to a customer service representative now. I tried writing their ticket department and told them that my card was put on hold. They took a day and a half to respond and then told me they looked into it and found that it was on hold and told me to call their customer service line that has absolutely no way for me to talk to an actual person. That is why I am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A person who identified themselves as XXXX XXXX called me around XXXX and asked for XXXX XXXX XXXX I told him that he can not be reached at my cell phone number I was speaking on, but he became irate and stated the following : " This is the phone number that he gave. I am not telling you who I work for unless you tell me how you represent XXXX XXXX! You must know how to get in contact with him! '' XXXX XXXX 's tone was harsh and unnecessary. Later I researched XXXX XXXX 's phone number and found he was calling from a firm called the National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my property with Rocket Mortgage in XX/XX/2020. I submitted proof of my home hazard insurance at the time I submitted the loan paperwork. I have never fallen behind in any way, shape, or form on my home hazard insurance. ( I have had automatic payment for many years. I have NEVER had " expired '' home hazard insurance. I have purchased my home hazard insurance from the same insurance company for the past 16 years. ) I received a letter via postal mail only ( not via email and not via my online Rocket Mortgage account ) informing me that Rocket Mortgage records " show that your hazard insurance has expired, and we do not have evidence that you have obtained new coverage. Because hazard insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance. '' The letter continued, " The insurance we buy : May be significantly more expensive ... May not provide as much coverage ... '' Why would Rocket Mortgage only send this important information via USPS mail? Why would Rocket Mortgage not have reached-out to me via email and my online Rocket Mortgage account asking for proof of insurance? Is it because they were hoping I would not open their letter sent only via postal mail so that they could " gouge me '' with high-cost, low-quality hazard insurance? 

I responded within 24 hours of receiving the snail-mail letter from Rocket Mortgage by downloading a copy of my hazard insurance ( which was NEVER expired ) via the web address they provided for this purpose. 

My previous mortgage provided did not require annual proof of my home hazard insurance, so Rocket Mortgage 's letter and action took me by surprise. Rocket Mortgage never told me during the refinancing process to send a copy of my home hazard insurance each time it was renewed. If this information was included in " the fine print '' of the loan paperwork, I did not see it. 

I wonder if Rocket Mortgage takes this approach with all of their customers, or could my age and XXXX have played a role in my receiving this letter? 

I hope that CFPB can " shine a light '' on this process. Does it seem predatory from your perspective? 

Tip for others : During the loan process the Rocket Mortgage loan officer I was talking to spoke quickly and said several times that my loan interest rate would be " 2.9 % '' When I saw the paperwork, it was actually 2.99 %, almost a full percentage point higher. I realized at the time that he could defend the difference between what he said and the paperwork by saying I mis-heard. Watch-out for any telephone-based quotes that end in " .9 '' -- ->Check the paperwork to see if the interest rate is actually " .99 ''. I have a hunch this is a common " bait & switch '' ploy " XXXX people in '' using .9 on the phone and then switching to .99 on the paperwork...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I sent a debt validation letter along with an Affidavit of Truth with an opportunity to cure to Discover Financial Services. On XX/XX/2021 I received a notice from my credit report that my Discover account had been closed while still having over {$4000.00} of unused credit left on the card. I called and spoke to a Discover representative who informed me that the account was only closed in order to investigate the complaint filed to the CFPB. 

On XX/XX/2021, I received a letter stating that my Discover account was closed with no further explanation. After being hung up on 3 separate times, I spoke to a representative who informed me that my account was closed due to " malicious practices '' and that I had stated that I was not going to pay the alleged debt. However, I never stated that I would not pay the alleged debt. I sent a letter in asking for specific documents to be returned to me in order to validate the alleged debt. I was told that someone would contact me back in 72 hours with further explanation on the closure of my account. 

After 72 hours, I never received a call back. I followed up with another phone call on XX/XX/2021 and was held on hold for 40 minutes while being told that the supervisors were looking for the correct department to send me too. I was hung up on and never received a call back from any other Discover representatives. 

Discover closing my account has withheld me providing for my personal and household needs. I was never given a proper nor valid explanation as to why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I purchased a service which I never received due to the sellers fraudulent actions. I would like a refund ; if I can take this any farther Im willing to. 

Screenshots will be attached below this message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There is XXXX dollars taken from my checking account and when I called the bank in same day they said the money take it from the Bank of America ATM that 's what they said. and I 'm strongly confirm that money not taken by me and I 'm always checking my bank account every day in the morning the sum taken from my account without my agreed. 
They open the claim since XXXX XXXX 2017 and I did n't receive any clear explanation how my money take it from my account. 
I 'm always keep my depite card in my Walat and safe place all the time, I also helped the bank and give them the information they need and they just keep me waiting. 
Every time you call the bank they did n't give me clear answer and the said it 's prossing and investigating. 
I work very hard to help my family I have XXXX kids I 'm very sad and not satisfied with this service, I want my money back My claim number with them 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 2021-09-19
Company: Experian Information Solutions 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:
XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I reached out several times to credit bureaus and the companies to resolve the issues. After all the letters and calls they refuse to honor my demands.

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 2017-03-20
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have tried to contact the company via mail on 3 occasions and no response. They call and threaten me with lawsuit but when I ask for proof of debt they hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They claimed I owed a doctor. I paid them ; gave them my routing number and checking account. They said they would remove the debt from my credit history. I did not check ... 

They said I would receive an email. No email. So far, no money taken out, but now I am subject to identity theft. 

Company is Midwest Recovery, and they can not be reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Total Finance AC LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I went into the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX in XXXX Illinois XXXX, to purchase a used automobile. When and while negotiating for the vehicle we came to an agreement. To my surprise the car outlet charged me a " Voluntary Debt Cancellation ( VDC ) '' coverage in the amount of {$2200.00}. This particular fee and coverage was not explained to me nor was I advised of it when I was executing the documents. I had expressed to the dealership that I would obtain full coverage insurance on the vehicle and that my insurance carrier would cover any potential loss that may occur. This particular VDC fee had a {$1000.00} deductible if a loss were to occur. 

On XX/XX/XXXXI went to the XXXX XXXX to return the vehicle or enter into some better financial arrangement as I was experiencing some hardship with the moving of my business to a new location. The dealership refused to renegotiate lighter terms or extend the term of the loan thereby lowering the payment. I finally left the car in the custody of the dealership at their XXXX location. I left for my home to think about my options returning the following day to see that the car had been placed in their back lot with all the windows and trunk wide open allowing the rain to completely soak the interior of my car. The XXXX XXXX was under the impression that I had turned the car in and decided to walk away from the obligation. I discovered that the XXXX XXXX had purposely left the windows and trunk open in order to file a claim with the very insurance company coverage they had secretly sold to me. The interior of the car was full of water, mold and terrible odor. I had expressed to the XXXX XXXX what I had witnessed and they completely denied it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inconsistencies with the items posted on my credit report. 1 or more credit reporting companies did not fully or completely remove the collection off my credit report. Credit reporting agencies were not able to provide proof of applications for any or all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. SENT CERTIFIED LETTER TO CREDITOR RECEIVED XXXX/XXXX/XXXX ASKING FOR INVESTIGATION INTO THE ACCOUNT THATS REPORTING INACCURATELY. THE DATE OF LAST PAYMENT IS INCORRECT AND THE TERMS DURATION OF 73 MONTHS IS WRONG. NEVER HAVE I SIGNED A CONTRACT NOR HAVE THEY PROVIDED ME WITH WHAT I HAVE ASKED FOR. THEY ARE BLANTLY VIOLATIONG FDCPA RULES AND REGULATIONS. I ASKED THEM TO PROVIDE PROOF OF THE ORGINAL CONTRACT BEARING MY SIGNATURE WHEN THE CAR WAS PAID OFF DUE TO A TORNANDO AND INSURANCE AND GAP COVERED THE BALANCE. THE CAR WAS PAID OFF IN FULL BUT SANTANDER HAS CONTINUED TO REPORT WITHOUT VERIFYING AND SUPPLYING ME WITH THE INFORMATION I HAVE ASKED FOR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was approved for a Secured Credit Card through Capital One, it said I could add funds onto it by XX/XX/XXXX. I only added {$100.00}, and was going to add more the first week of XXXX. I received the card on XX/XX/2021 and I activated it. I called Capital one and spoke to a rude so called " manager '' and she said I could not add any more funds to it because I activated it!! I never received any documentation showing that if I activated it I could no longer add funds by XX/XX/2021. This is total misrepresentation of the card and I want to add more funds on it around XX/XX/2021. 
They can not continue to mis lead consumers in this manner!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit report periodically. I noticed that on XXXX, XXXX XXXX and XXXX there was a collection account from a company named Collection Bureau of Hudson Valley. The original creditor of the account is XXXX. the address of this company is XXXX XXXX XXXX XXXX XXXX, NY XXXX and the phone number XXXX XXXX XXXX The partial account number is XXXX and the address identification number is XXXX in the amount of {$320.00} In 2016, I was homeless and sought refuge in a rooming house with others. Because of my hardship I lived very primitive. On several occasions my room would be ransacked and obviously entered without my knowledge. Therefore, many valuables were stolen. 

Early this year I began to get harassing phone calls from the aforementioned company informing me of a debt that I had NO KNOWLEDGE of. When I learned of this being a cable bill, I quickly informed them that this was not my bill and I have n't had XXXX as a cable company ever. I only had XXXX XXXX  which is their rival company. 

I have repeatedly asked to speak to a supervisor and asked for written documentation with my signature and picture of license as this is a requirement when receiving utility services in the state of New Jersey and the company Collections Bureau of Hudson Valley has failed to do so.

Company response to consumer: Closed with explanation