BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: Army and Air Force Exchange Service
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband was XXXX XXXX XXXX in XX/XX/XXXX, during this time we utilized a XXXX XXXX XXXX. We had the ability to pay at the time, until life decided to show us otherwise. Sadly we did not have the money to feed our kids, let alone pay a credit card bill. We tried to work with XXXX XXXX, but they kept garnishing my husbands military pay. Which we understand and are somewhat okay with now. During the next year we still were unable to pay our debt, our XX/XX/XXXX tax return was fully garnished to pay off our debt. Our debt was almost fully paid off and we thought things were pretty much finished. It wasn't for a few months later that we found out that XXXX XXXX was still charging us interest each month on the small amount of debt, they then hired XXXX to collect the said debt. XXXX added their crazy fees to the mix and we still owe over {$900.00} on a debt that was very close to being paid off. We tried to contact XXXX several times because XXXX XXXX told us that they could no longer handle our account. XXXX laughed in our face stating " its a XXXX XXXX, if you don't pay we will garnish all of your wages, then what? '' We sent a letter to XXXX requesting a hearing ( never heard anything back in months ), we have tried numerous times calling them, emailing them, each with nothing back. The last time we were able to actually contact them ( to where they actually talked to us ), we told them we could only afford {$50.00} a month in payments, they were quick to shoot us down and threaten that if we couldn't do {$100.00} a month, they would just take the full {$900.00} straight from our paycheck. For goodness sake, I have three young children, I served 13 years in the Military, I am a civilian XXXX XXXX making very little to live off of, but I am trying to make right on my debts the best that I can. I am so beyond dealing with this company, currently I am looking into an Attorney because several other AAFES card holders are experiencing similar issues and I don't see how this is fair. The card is too easy to obtain, because they know they can add as many fees as they want and either way it will be paid to them through garnishment. We have people struggling, but yet AAFES has enough money to hand out THOUSANDS of " STAR GIFT CARDS '' each month to winners of the contest, but someone who can not afford to feed their children due to an issue with Military Pay can suffer. If they make enough money to afford these lavish contests, maybe they need to reconsider their stand on life.

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 2022-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX. Bank of America closed my checking account. I called and went to the bank only to be informed that BoA have the right to close my account whenever they decide. I asked for the reason why and they told me that it is within their rights not to give me any reason. Further more I was informed that I have been barred from ever holding an account with BOA. 

I believe their decision was unfair to me because I have not been inform what I did wrong, I was also not notified, alerted, warned or queried of any inappropriate action on my part nor given any opportunity to respond or otherwise before and after the decision was taken BoA then gave me XXXX cashier 's checks of XXXX and XXXX for the funds I had in my account which I subsequently deposited in my XXXXXXXX XXXX account on XXXX. XXXX XXXX rejected the check of XXXX and stated it was altered and further closed my account when I called to ask about what was wrong with the check on XXXX. 

XXXXXXXX XXXX are also refusing to give me any reason for their decision and also telling me they will send me a check for my balance after XXXXdays. I am just migrating from the XXXX to XXXX and do not have any other source of income apart from my savings which these XXXX banks are essentially denying me access to. They have both even cancelled payments I made for my credit from XXXX bank ( furniture I bought from XXXX XXXX XXXX ), I do not have any other money to even pay my rent or buy food to eat.

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 2022-06-15
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV aka Resurgent Capital Service a company from South Caroline filed a civil lawsuit against me in XXXX XXXX NJ ( XXXX, NJ ) without contacting me or verifying the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, my PayPal account received XXXX deposits of {$240.00} from the state of Arizona and then was used to purchase a XXXX gift card for {$480.00}. It also used the bank account associated with my PayPal account to purchase {$100.00} of bitcoin at the time. This was done by someone without authorization to my PayPal account. I reported this suspicious activity to PayPal and they came to the conclusion that my account was permanently compromised and decided to close my account with PayPal. While I did not understand why my account would be closed if I myself didnt do anything wrong, I understood that after 180 days I would receive a link to transfer my funds from PayPal to my bank account. It has now been 9 months since the 180 day period has passed and I have not received any update from PayPal. I have called their support line, emailed their support team, chatted with a support agent online, and have received the same canned we have no information at the time on your account and to please wait for the email from us. I used my PayPal account for my partner to send their part of the rent and I still have my funds on my account. PayPal is just sitting on my funds for no discernable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, four fraudulent purchases were made using my Barclays JetBlue Credit Card. Those charges were a XXXX charge for {$400.00}, an XXXX XXXX charge for {$1900.00}, an XXXX/bill charge of {$6.00}, and a XXXX XXXX charge of {$9500.00}. All three purchases were made in XXXX, SC. I reside in XXXX XXXX, NY, and I was in XXXX XXXX, NY on XX/XX/XXXX. 

On the morning of XXXX, XXXX, XXXX, when I woke up, I saw that I had an alert via the Barclays app saying that there may be fraud on my account and also that the pin on my account had been changed. I called Barclays that day and let them know that this was indeed fraud, and that I hadn't changed my account pin. They cancelled the card, issued a new one, and let me know that they would be investigating the charges. After about ten days, I noticed that some of the fraudulent charges were still showing on my list of recent activity, so I called again, re-reported the fraud, and asked that the account be closed altogether, because I didn't have faith in their process. 

A few weeks later, I received a letter from Barclays dated XX/XX/XXXX which stated that they found the three largest charges ( totaling {$11000.00} ) to be valid and thus were adding them back to my bill. I called Barclays on XX/XX/XXXX to protest the decision, and they stated that a physical card was used for the charges and that I should submit via fax a police report and proof from my place of work that I was in New York on that date. I completed that task and submitted a letter from my place of work stating that I was on-site in XXXX XXXX XXXX  NY on the day of the charges, a police report logging the crime, an identity theft report that I submitted to the FTC, and two credit card statements showing that I had made charges on two other non-Barclays cards in New York XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called Barclays again to verify that my packet of documents had been received. They confirmed that they had been, and let me know that the claim was still denied despite my evidence that I could not have made charges in XXXX, SC on the date of the fraud. As a result, I am now reporting Barclays to the Consumer Financial Protection Bureau, because I have tried everything reasonable that I could. I do not believe the bank is acting in good faith with regard to these fraudulent charges, and I believe that they are guilty of negligence for letting these charges go through. I barely use the card in question, and it is irresponsible to approve such unusual, repeated high value spend.

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 2017-07-20
Company: Experian Information Solutions Inc.
State: CO
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:
THE FCRA STATES THAT ALL INQUIRIES MUST HAVE A PERMISSIBLE PURPOSE AND THAT THE CREDIT BUREAUS HAVE TO HAVE DOCUMENTATION ON FILE OR IF I REQUEST IT THAT THEY MUST REQUEST THE DOCUMENTATION TO SUPPORT THEIR POSITION TO LIST INFORMATION AGAINST A CONSUMER. I AM ASKING THAT THE FOLLOWING INQUIRIES BE FULLY INVESTIGATED AND THAT PROPER DOCUMENTATION BE SENT TO ME SHOWING THAT I GAVE PROOF GRANTING PERMISSIBLE PURPOSE TO THESE COMPANIES TO PULL MY CREDIT TO EXTEND A CREDIT LINE TO ME. THIS IS NOT A REQUEST FOR ANY SECURITY FREEZE OR FRAUD ALERT TO BE PUT ON MY FILE. I AM ASKING THAT THE LAW BE FOLLOWED AND THE BURDEN OF PROOF CLEARLY LIES ON THE CREDIT BUREAUS TO PROVE BEYOND A REASONABLE DOUBT THAT WHAT THEY ARE REPORTING MEETS THE GUIDELINES OF THE FCRA. 1. XXXX XXXX ON XXXX PULLED MY CREDIT. I DO NOT RECOGNIZE EVER GRANTING THIS COMPANY WRITTEN OR VERBAL PERMISSION TO PULL MY CREDIT. I CURRENTLY DO NOT HAVE ANY LINE OF CREDIT WITH THEM. SO UNLESS EXPERIAN CAN PRODUCE PROOF YOU ARE TO REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 2. XXXX XXXX THIS HARD INQUIRY IS SHOWING UP WITH NO PERMISSIBLE PURPOSE ATTACHED. I AM DEMANDING THAT EXPERIAN REACH OUT TO XXXX AND ASK FOR DOCUMENTATION STATING THAT I GAVE THEM PERSMISSION IN WRITING TO PULL MY CREDIT. IF WITHIN 30 DAYS YOU CAN NOT PRODUCE PROOF YOU ARE TO REMOVE IT. 3. XXXX CARD ON XXXX EVEN THOUGH I HAVE A XXXX CARD I DO NOT REMEMBER ASKING THEM TO PULL MY CREDIT ON THIS DATE ( THE DATE IS IN QUESTION ). I AM ASKING FOR FULL IMMEDIATE PROOF SHOWING PERMISSIBLE PURPOSE. IF YOU CAN NOT PRODUCE THIS THEN REMOVE THE INQUIRY. 4 XXXX ON XXXX I DO NOT KNOW THIS COMPANY, NOR DO I EVER REMEMBER ENGAGING THEM IN ANY CONVERSATION FOR THEM TO PULL MY CREDIT. I AM DEMANDING THAT YOU REACH OUT TO THEM AND ASK FOR A SIGNED APPLICATION SHOWING THAT I ASKED THEM TO GRANT ME CREDIT. IF YOU CAN NOT PRODUCE A SIGNED AUTHORIZATION FORM YOU ARE TO REMOVE THIS INQUIRY AS THERE IS NO PERMISSIBLE PURPOSE. 5. XXXX ON XXXX I DO NOT RECOGNIZE THIS INQUIRY THEREFORE I AM DEMANDING THAT YOU REACH OUT AND ASK THEM FOR A SIGNED AUTHORIZATION FORM SHOWING THAT I GAVE THEM PERMISSIBLE PURPOSE TO PULL MY CREDIT. IF THEY CAN NOT PRODUCE ONE YOU ARE REQUIRED BY LAW TO REMOVE IT. I WILL BE FILING A COMPLIANT WITH THE FTC AND ASKING AN ATTORNEY TO REVIEW THIS AND IF WE DECIDE TO SUE YOU OVER THIS THEN YOU HAVE BEEN WARNED.

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 2016-12-13
Company: Avant Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Took out a loan in XXXX of XXXX and I paid off my loan on XXXX XXXX XXXX the company Avant is saying that I still owe them {$380.00} for a missed payment in XXXX I was given a pay off amount in writing and over the phone that they are not honoring I was told to pay XXXX on XXXX XXXX so my pay off would not be short XXXX I paid that amount plus XXXX and final XXXX on XXXX XXXX this is unfair I also paid XXXX on XXXX XXXX XXXX the attachment pay off letter was the amount if I paid on XXXX XXXX I paid 6 days early so my pay off was XXXX which I paid online via ach and I called that day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
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:
In XX/XX/2021 XXXX reported that i was over 30 days late. Then XXXX realized that it was unauthorized charges and credited all the charges back to my account but XXXX still reported it to my credit bureaus as me be over XXXX past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2020 I filed for unemployment insurance with the State of Oklahoma. On XX/XX/2020 I received a letter that my GoProgram card had been mailed and it would take no longer than 7-10 days to receive. On XX/XX/XXXX I began trying to reach Conduent at XXXX. This is the phone number listed on the oesc.ok.gov website as the correct contact for all debit card related issues. On XX/XX/XXXX I called and waited on-hold for 2.5 hours before the call was disconnected. This number is listed as a 24/7 customer service number and the only contact information given for card issues. 
On XX/XX/XXXX I also called the customer service number for the Oklahoma Employment Security Commission. I filed a claim to let them know that I had not received my debit card and that I was unable to get through to the GoProgram contact number. I was told they could not send me a new card or help me and they had no suggestion on how I proceed. 
On XX/XX/XXXX, I called again and waiting on hold for nearly 3 hours before the call disconnected, I called back and sat on hold for another 2 hours and was unable to speak to anyone. 

I also went to the website provide at www.goprogram.com I created an account and attempted to set up direct deposit but was unable to do so with having my card information. I then tried to request a replacement card through the site but got and error message that they are unable to process this request. 

On XX/XX/XXXX I attempted to call again at XXXX hoping that calling during " off-hours '' would help me get through. I again waited on hold for 1.5 hours and was not able to reach anyone.

At this time I am unable to access my unemployment insurance funds and I am unable to get a replacement card. The handling of this process by Conduent is negligent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: NC
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 recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am a single mom with XXXX kids who suffered extreme XXXX  and XXXX  XXXX by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.

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 2020-01-10
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/17 an account was opened in my name fraudulently and now carries a past due amount of over $ 7k with Nordstrom. I have contacted their fraud dept & was told to get a police report. I did & sent a copy to them as well as each major credit bureau. Nothing was done. I have been disputing this fraudulent account for months now but this company will not remove it even with my police report. This account is damaging my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
some one has a account with pay pal using my name and i keep getting these bogus emails saying payment was received and the latest one came from XXXX XXXX some one girl or guy sent XXXX dollars to XXXX for a purchase i know nothing about and ive tried on several occasions to contact paypal and it seems like no one is receiving my emails so the charge came from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX so i hope i choose the right one cause i dont know who else to turn to besides the local police

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XX/XX/1990 Account-XXXX XXXX Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX  I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE 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 non-monetary relief
Consumer complaint received 2017-07-19
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Collection service of Athens {$690.00} XXXX XXXX XXXX for {$300.00} for {$94.00} for {$120.00} for {$66.00} and for {$120.00} which was all paid by my insurance company so I do n't owe any collection agency anything. Plus I do n't I never signed a contract with collections of Athens or XXXX agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XX/XX/ Account-Portfolio Recovery Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account Portfolio Recovery These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY

Company response to consumer: Closed with explanation