BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: Gatestone & Co. International Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
OnXX/XX/XXXXapproximately XXXX I received a phone call from XXXX XXXX from Gatestone & CO International Inc . XXXX was very rude, he told me he was calling on a debt from 20years ago, for maricopa county restitution for {$600.00}. ( it was owed in XXXX ). i asked him if he could please send me something in the mail, ( i wasnt going to discuss anything over the phone because fo all the scams and fraud ) He at that point was yelling at me..i was crying, asking him to please take my address and please send me something in the mail. he then said that several notices had been sent already and there would be no notices sent, until I told him how I was going to make arrangements to pay today. still crying, I asked him what address were the notices being mailed to, he gave me my fathers address which i had not lived there in several years. I asked him again to please send me something in the mail, I tried giving him my current address and that I have had fraudulent things on my credit report and i was just asking him to mail something to me, I also told him that I thought this was already taken care of. and he just kept saying that NO..IT IS A 20 YEAR OLD DEBT ( MY NAME ), HOW ARE YOU GOING TO TAKE CARE OF THIS?. At this point I told him that I felt he was intimidating me and being very mean. He denied this and I felt there was someone there coaching him, or encouraging him, he was laughing and then : I was so upset i hung up on him. i did call back approximately XXXX XXXX, when i stopped crying, and was on hold until XXXX XXXX i spoke with XXXX XXXX, I explained the phone call with XXXX, she apologized and gave me a supervisors email. ( i was very upset, i was n't sure if i wrote it down correctly ) I did try to email him, I have also sent a letter. XXXX, emailed me a copy, she also mailed me a copy in the mail. I have disputed this because i believe it had been taken care of a long time ago. i am still investigating this. XXXX should not be able to talk like that to anyone, and then laugh at someone, when they are crying. i am not positive, but it sounded like someone was next to him, coaching him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute on XX/XX/XXXX for a charge of {$390.00} from XXXX XXXX. I was provided a conditional credit until the dispute was resolved. 
On XX/XX/XXXX, I received notification that the dispute had been resolved in favor of XXXX XXXX   following a review of documentation provided by the business and the charge was put back on my account. The documentation was included online for my review and it was quite obvious that it had not been reviewed by Citi Cards since it contained a resume for and correspondence with someone other than myself. 
I sent an email to the dispute center and copied the executive response unit outlining the details, providing my own documentation, and stating my objection to the decision. 
On XX/XX/XXXX, I received a voicemail from XXXX XXXX from the Citi Executive office. She said she was reviewing the case and would get back to me. In the meantime, a conditional credit was being added back to my account. 
On XX/XX/XXXX, I reached out to XXXX to follow up. She returned my call and let me know that she could see that the merchant had provided documentation that did NOT pertain to my transaction. She explained that she would have to follow up with the merchant allow them time to respond. 
Today is XX/XX/XXXX. I have left voicemails for XXXX twice this week. If she's on vacation, her voicemail recording does not mention it. I have not heard from her since our conversation at the end of XXXX and the dispute center lists the dispute as " IN PROGRESS ''. 
It is my opinion that the documentation I provided is thorough and complete. The merchant has had ample time to respond with ACCURATE material and Citi Cards has had more than enough time to resolve this dispute.

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 2017-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail from XXXX XXXX XXXX claiming I owed {$5800.00}. The original creditor is listed as " GE Capital Retail Bank '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.

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 2019-07-26
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. XXXX. XXXX. Mo. XXXX. My. Compliant is. lack of consideration of positive. accounts not being reported on my credit report. Also. XXXX credit bureaus is conducting a promotional program called XXXX/XXXX  youre score which 4 of my associates have tried 8 times and failed to. accomplish. The program is fruad and designed to gain customers for there Credit. Repair Program

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 2017-10-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX-17 i paid a company called XXXX XXXX the sum of XXXX on my synchrony card.I told the bank this company sold me a bill of goods under false pretenses.I paid a company who I thought was XXXX XXXX but turned out to be a company called XXXX XXXX.I told the bank I had never done business with a company called XXXX XXXX.It turned out XXXX XXXX who is in kahoots with XXXX XXXX sent us a brochure XXXX XXXX to cover their scam.I talked to XXXX XXXX who is suppose to be a lawyer with no bar license in all 50 states.I was to receive a full refund no problem.I have e-mail proof of this.Then when i found out my card was charged by XXXX XXXX I contacted the company and XXXX XXXX told me i would receive a full refund.I have the e- mails as proof.How can the bank deny my dispute when i have proof i am owed the refund.I was never rendered any service from either one of these companies.I have all this in black and white.My bank needs to take a serious look at these companies .With the evidence I have there is no way I should not have won this dispute.I feel this was not taken seriously by my bank.

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: 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:
XXXX Placed me on collection with out proper notification and when I looked at my Credit reports XXXX, Equifax, XXXX, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: National Credit Systems,Inc.
State: KY
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 XXXX XXXX, KY XXXX ( XXXX ) XXXX continues to report to XXXX  a debt that was settled thru divorce decree over 10 years ago. The property and all financial responsibility was ordered by the court to be my x-wives in the decree. I have submitted that to all credit reporting agencies and all but XXXX has removed it. This needs to be removed from my credit. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX This account is involved in litigation I have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhadt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.

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 2022-06-10
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumer Adjustment Company Inc. ( CACI ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XXXX I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ELDER ABUSE I submitted a request for recast to my existing loan. 
Despite numerous requests for confirmation the loan servicer today told me that the recast has not been processed. 

No explanation was provided Service representative stated, as has those I formerly spoke to, that the issue would be escalated to appropriate departments. 

Meanwhile, my loan payments remain identical to the amount which was based on my previous balance Please see attached

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 2019-11-22
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The account was sent to collections without any prior notice of the total amount of the debt. It was placed in collections XX/XX/2019. It was sent to XXXX XXXX   and i never signed any agreement to pay this febt i was never notified of. I disputed the collections and was never sent any documents of the first notification or of any notifications stating i owed this debt to the orignal creditor or of the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express advertised a 0 % interest promotion for 12 months for my existing American Express card. I went to the website indicated to sign up. 

On XX/XX/XXXX, I received confirmation by email that I was approved for the promotion : " We're writing to confirm your new promotional Annual Percentage Rate ( APR ) for eligible purchases as described below. 
Your promotional APR for purchases is 0.00 %. 
Your promotional APR is valid from XX/XX/XXXX through your billing period ending in XX/XX/XXXX. '' I went to the website to change my autopay from the full amount to the minimum payment. At the time I made the change of payment amount, the system without my knowledge also changed the payment date. A payment had been scheduled for XX/XX/XXXX, and my changing the payment amount apparently cancelled that payment. 

On XX/XX/XXXX, I got a notice of a late payment. I contacted American Express. After much discussion, they waived the fee. I made the payment manually and I thought that was the end of it. 

On XX/XX/XXXX, I saw a charge for $ XXXX in interest. I contacted American Express immediately. According to the representative, the one-day-late payment invalidated the 0 % interest promotion. 

I paid off the entire amount then and there. After more back and forth and supervisors called in, they agreed to a {$50.00} goodwill refund, but said that they would not completely reverse the interest charge and in fact they would charge " trailing interest '' on the balance that I had had from XX/XX/XXXX until XX/XX/XXXX. 

I always pay off my balance in full. It seems clear to me that this 0 % promotion was set up to sucker unwitting customers into paying interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: MI
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  Account # XXXX XXXX XXXX L, Account # XXXX # XXXX XXXX XXXX XXXX, 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 2019-07-26
Company: ENCORE CAPITAL GROUP INC.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On multiple occasions since XXXX/XXXX/19, I have received phone calls from Midland Credit Management. From what I can see from my call history, I receive multiple calls a day. On Monday XXXX/XXXX/19, I took a call from them and informed the caller that Monday thru Friday between the hours of XXXX that I am unable to accept calls due to being at work. I repeatedly told the caller that I could not talk during this time. She implied I was avoiding resolution, and practically insisted I talk with her right then. The caller was badgering me about talking about the case after I clearly stated I was not able to. I stated I could not talk about it and the caller asked me what time she could call. She asked if XXXX was acceptable. I agreed. She never called that evening or since then, only during business hours. I do not recall if they called again on Tuesday XXXX/XXXX/19 or Wednesday XXXX/XXXX/19 or not, but she did call me again on Thursday XXXX/XXXX/19, and was again informed that she had been told I can not talk. She told me that I " give her that excuse every time '' and I replied that it was " because she calls me every time during the times I am not available. '' Again became abusive with her language ( no vulgarity ) and would not accept my answer. On Friday XXXX/XXXX/19, I AGAIN received a call from the same individual who began the conversation with " Are you at work? '' To which I replied, " Well, what time is it? '' She would not accept my answer of not talking about it, I reminded her that I am at work Monday through Friday XXXX and if she is calling at XXXX and it is Friday, then no, I was not talking. She again tried to get me to resolve this confidential matter while I am at work. At some point in the conversation, another individual came on the phone ( a male this time ) and I informed him of all of the above. I also told them at that point that because they continued to harass me during business hours after giving them an acceptable time frame that I would file a complaint against them for harassment and hung up. I am not interested in disputing the validity of the charges. They are mine and valid. However, I will not discuss personal business matters on the phone while I am at work and have repeatedly informed this individual of my availability to discuss, and they refuse to respect that and become abusive and hostile when I tell them so. I have witnesses of these actions as well. Abusive tactics and hostile language and continuing to call multiple times in a day and during times I have clearly stated on multiple occasions are not acceptable is a clear violation. At this time I am having a financial hardship and can not afford any more payments. This hardship is not what caused me to default on the balance- that is a whole different story.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Sent a letter to all credit reporting agencies on several occasions asking that they update my personal information. I sent a letter with a drivers and bill showing my correct name and address. Consequently, They all have decided that the information they have is verified and will not remove those inaccurate findings. Who are they to tell me what my name is? XXXX is not the same as XXXX. They will not remove any/all information that does not reflect this correct information. Therefore they are reporting inaccurate information. There is no active credit company listed on my report that should be using no other information than what has been proved.

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 2022-06-10
Company: EQUIFAX, 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 have sent to my credit report a request to removed the inquiries off from my credit report.

I did not have any authorization to run my credit with all these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent to my credit report a request to removed the inquiries off from my credit report. 
I did not have any authorization to run my credit with all these companies.

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 2017-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re : Request to Validate Account/ Resolve Account and Delete for Revolving Call list This is my forth attempt with no response and I am at my wits end. Please end all the empty calls, with calls from XXXX XXXX then hanging up- with no resolve. My originally attempted to resolve my debts via telephone and by mail on XX/XX/XXXX and my second attempt was late XX/XX/XXXX and XX/XX/XXXX. After a brief history with XXXX XXXX, mostly positive, I fell ill. I have two accounts and would the opportunity to validate/settle these accounts. I was never given the opportunity to validate the balances reported on my accounts. I need to validate this account and not be threatened with further collections on accounts by lawsuits or damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company escheated {$420.00} to the state of PA. I am trying to claim the money from the state but they need a holder verification form completed to prove the money belongs to me. This money is the appraisal fee I paid to Caliber Home loans in connection with my application in XX/XX/2013. This application was to purchase a home and was subsequently declined. The address they had on file to mail the check to was the property address that we did not buy. I have left several messages for the customer resolution team and have not received a call back. I also spoke with the Loan Servicing department and they advised I had to speak with loan originations which is the department I've left messages for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collector LVNV funding is still claiming that I owe them when I dont. This is a junk debt collector that I never signed any contract with or opened any accounts with. The original creditor wrote this debt off on their taxes and sold it to this " junk '' collector which I dont owe because I never signed a contract with lvnv funding llc. This debt collector does not have a right to collect from me under the FCRA. And should be removed from my credit report. I have also never received any written correspondence regarding this debt from lvnv.

Company response to consumer: Closed with explanation