BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: CONTRACT RESOLVE GROUP LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX with a collection company has made several calls to my cell phone and work phone. He is very rough in how he talks to you. He tells you how to handle your business. He has also called my boss at my job and suggested that he give me some days off so that I can go get my finances in order. He discussed to my boss how much debt was owed. Everyone he has contacted ( even people that have nothing to do with the debt ) he tells them how much debt my husband and I owe and who it is too. He has even talked with other employees and told them we need to pay our bill. He even called our landlord and told him how much we owed. His practices needs to be reprimanded. The number to reach him is XXXX ext XXXX. His first call to me was XXXX XXXX at XXXX then XXXX XXXX at XXXX Then he called my work phone on XXXX XXXX at XXXX then again XXXX XXXX at XXXX and then contacted my boss on XXXX XXXX and told him how much debt I owed. ( See note attached ) He then called back to my cell phone once again on XXXX XXXX at XXXX He has since then called my husband on several occasions and a co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please see attached documents. I am requesting debt validation-verifying the original creditor, which I am entitled to under 15 USC 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2020 I talked to XXXX who is a manager in the checking account department for Capital One and was told he was unable to close my multiple checking accounts. XXXX did inform me he will escalate the closing of my accounts up to the security department who put the hold on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: OH
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:
This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with Bank of America on XX/XX/2019 in response to a promotion they were running at the time for {$300.00} account opening bonus. I received an email for the promotion XX/XX/2019 ( see attachment ). I opened the account on XX/XX/2019. I met the direct deposit requirements quickly ( see attached statement ). I inquired at a branch when I would receive the bonus on XX/XX/2019 to which I was told it would take up to 180 days. After that time I called Bank of America to which I was told they would have to research it and they would have an answer within 60 days of that call. It's been way past 60 days and I have not heard from Bank of America.

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 2018-06-04
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
Received a postcard that offered XXXX XXXX miles if I signed up for a Gold American Express card. I applied and received the card XX/XX/XXXX. 

When I had not received the bonus miles by XX/XX/XXXX I called the company and was told that the offer did not apply to anyone who had previously had an American Express card ( I last had a card in XX/XX/XXXX ). 

There was nothing in the advertised offer that said kings x if you had a card three years ago. Therefore, extremely misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
i purchased a vehicle from XXXX on XX/XX/2016 and i am currently having mechanical issues with the vehicle and the XXXX party agency XXXX that they use to provide warranty protection to customers is refusing to help with an issues that is " covered '' under warranty. they have already forced me to pay for a diagnostic test that was done at XXXX when they should 've covered that as well. there is no reason a customer should have to pay for any repairs if the car is so called " under warrant ''. i am very dissatisfied with this whole exp erience and wish to have nothing else to do with them. The loan itself is preda tory anyway and should not be legal. I am very unhappy with how i am being treated as a customer.

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 2022-05-06
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2017-05-23
Company: ALLY FINANCIAL INC.
State: GA
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 am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all three credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

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 2017-05-22
Company: Seterus, Inc.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with  Seterus. My previous lender and I had a dispute over late fees, which was never resolved. Seterus sent me a letter, offering me a 50 % discount if I paid those late fees by the expiration of the notice.  Unfortunately, they sent me this letter 30 days after the letter was dated, so the offer expired next day. I called Seterus and asked if I could pay it via telephone. The agent advised me that I could, but only if I scheduled my mortgage payment at the same time. I asked if there will be a fee, either to accept their offer and make payment via telephone, or to schedule my mortgage payment. the agent said, " No '' to both. I went ahead and paid the {$83.00} which was the amount of their settlement offer, and  three days later I noticed that they had deducted from my bank account {$93.00} instead. They have a lso charged me another {$10.00} to schedule the mortgage payment. In addition, when I received my statement the following month, all the late fees were still added to my account. I have contacted  Seterus, but their nasty, nasty CSRs, keep me on the phone for 45 minutes to one hour and do nothing about m y issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2017. My small business was a victim of identity theft by the bank. They opened multiple accounts and subaccounts in my business name and from what I was able to find out that there was a virtual credit card set up by the bank that linked all of the accounts together and some bank unknown bank personal then was able to transfer money and gain access to the money. I would like copies of those account statements that I know of and copies of others that I did not know of to include opening and closing statements. I would also like account information on the virtual credit card and who had access so that I may intelligently request the lost funds back. Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get daily collection calls from CBE Group. They call from different numbers, therefore I am unable to block them. 
I have been documenting the calls for a few days : XXXX. XX/XX/22. XXXXXXXX XXXX. 
XXXX. XX/XX/22. XXXX XXXX 
XXXX. XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Reliant Capital Solutions, LLC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Reliant capital LLC, XXXX, Ohio contacted me about a loan more than a month ago. I sent them a certified letter requesting information about the loan. All they did was send me an invoice/bill from company x, without answering the questions I asked to resolve the issue. 
Now Reliant has reported me to credit bureaus for collections which do not belong to me. I have repeatedly asked them to provide a copy of the award/aid loan letter and promissory note that I signed when I took the so called loan from them/somebody else that they are claiming to be mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been in medical care since 2017 and made payments to Citifinancial. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about Citifinancial and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real XXXX XXXX   out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My doctor sent a collection notice for an unpaid bill to Remex : https : //www.remexinc.com/. The collection is for {$250.00} which is correct. When I logged in to Remex site ( https : //www.clientaccessweb.com/Remex/payments/Main/Accounts/ ) to make a payment, I see a balance of {$1200.00} ). When I click on the details I see that they are showing two accounts -- one that belongs to me and one that belongs to a complete stranger : XXXX XXXX. I complained to Remex ( XXXX XXXX ) and they said that they are looking into it but would not provide any details on what went wrong. I am afraid that my data is similarly showing up somewhere else. I think this company has a serious security issue and is exposing client data. Please investigate ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Opportunity Financial, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH is forcing Mortgage homeowners in NEVADA into Loan Modification by delaying the company approval of XXXX funding is being sponsored through DEPARTMENT of TREASURY. 

PHH has had atleast 6 months to process the XXXX XXXX XXXX XXXX XXXX XXXX and its look like they will not be completing this process this year! 

What is PHH motive? What states have PHH completed the Process? Why is it taking PHH 6 months to process the agreement? 

CFPB needs to do an internal investigation as to what is going on with this process and to see if PHH is deliberately holding up the completion of SERVCING PARTICIPATION AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this 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 explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: FL
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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. On XX/XX/2020, I submitted a complaint with the CFPB but you stated that it wasn't me. This is unfair! I've been working so hard to correct the wrongdoings on my report. I have now submitted two forms of identity for verification. Please take my complaint seriously. It's almost been three months and I still haven't received a response. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: NY
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:
XXXXXXXX XXXX is furnishing and reporting information on my Experian consumer credit report stating that the account is a charge off. Federal law finds that the informed use of credit results from an awareness of the cost to the consumer. This account MUST be removed due to my uninformed decision when I entered this consumer credit transaction. The only evidence of indebtedness is the agreement but that agreement is NULL and VOID because I made an uninformed decision and did not understand the meaning for it was not clear and conspicuous. Promptly remove this account from my consumer credit report as you are required by Federal law to do so.

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 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had 3 transactions someone hacked two checking accounts and one debit card from Bank of America the Bank has changed my account numbers, but the happen again in the new account The banks has been difficult to work with and the fraud department will not return my calls one withdrawal was from a checking account that was set up to pay my mortgage the check card charge was a payment to XXXX XXXXXXXX we do n't do business with that 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 monetary relief
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX and again today ( XX/XX/XXXX I have been completely locked out of my American Express blue bird account. I cant access via mobile or website, no online purchases and can not take money out of the atm. No one answers the customer service number and when they do they give a quick rehearsed speech then hand up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: KP ASSET CONSULTING LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Someone had took out a payday loan with my name and social security number and I was not aware. Months later I kept receiving phone calls daily. About 10 phone calls throughout the day and at night trying to scare me into paying money that I do not owe. KP consulting has threatened me with legal action and having someone show up at my home and workplace to have me sign some sort of legal document. I do not know who they are. They have reached out to my mother in law my sister in law my wife and tried calling my mother who lives in a different state. I want the harrassment to stop.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-09
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFNI tried to offer a different amount to collect. The collection listed is paid in full to XXXX on authorization # XXXX. Not to mention the agent was very rude.

Company response to consumer: Closed with explanation