BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: Harvard Collections, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have worked very diligently on correcting my credit report after having XXXX surgeries, and being hospitalized for over 4 months. I am proud that I was able to pay off all of my medical bills, and have finally gotten my credit score to the point where I can now qualify for my first home. However, I received a notification from XXXX XXXX last week, that my credit score had changed. I was hoping that it had increased due to the most recently paid medical bills. However, to my horror, my credit score had decreased by XXXX points. When I searched for the change, I found out that I am being held responsible for a debt that does not belong to me. 

I was married in XXXX in XXXX, and moved to XXXX in XXXX with my now deceased husband. However, after several years of marriage, he and I separated, and I moved to XXXX  in XXXX with my XXXX minor daughters. My ex-husband died in XXXX after moving to XXXX  with little or no contact at all. Apparently, this is a debt that he owed to the XXXX  Department of Human Services. My ex-husband has been deceased for over 2 years, and has never resided in my home that I share with my XXXX  daughters, and XXXX year old granddaughter. My XXXX year old daughter collects survivors benefits from Social Security, however, prior to his death, he never provided for her financially. How could Harvard collection agency just assume that I owe this debt without any contact at all? I have not received any letters or any correspondence form this agency at all. They did not allow me notification to properly dispute. They just simply reported this as over 120 days past due as of XX/XX/XXXX. This has already negatively effected my credit scores, and could possibly effect my qualification as a first time home owner. If this was to happen, it could cause even more financial hardship for me and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Transworld was asked by me on XXXX/XXXX/16 and XXXX/XXXX/16 to provide proof that XXXX XXXX XXXX owns this debt because I never signed any contracts with them. Transworld wanted me to settle this debt at XXXX % without giving me the proof that I asked for. They turned over the accounts to a collections law firm which can sue over this. I want all XXXX accounts removed to my credit report due to fraud. I only received some documents after it sent to a collections law firm, this is not legal to do this per the attorney I spoke with. The set up of how Transworld fits into this equation is not clear because it states that XXXX XXXX XXXX owns this debt but why did not the owner notify anyone that they owned debt shortly after it was purchased, it shows to me that Transworld and XXXX XXXX XXXX wants to muddy the waters by not disclosing everything. Transworld claims they ca n't remove any credit reporting but XXXX XXXX XXXX should remove due to fraud. The paperwork shows XXXX XXXX XXXX, XXXX XXXX XXXX, and then XXXX XXXX XXXX therefore the loans went through several channels ; no way that XXXX XXXX XXXX owns this debt. I had a conversation with XXXX XXXX and they acknowledged that they owned for a short time. It is illegal to make anyone pay this loan because the loans went through several channels which makes proving that XXXX XXXX XXXX own the debt a problem plus Transworld did get into trouble for not sending the validation of debt before sending this debt to a collection law firm. The loans should be removed from my credit report completely because XXXX XXXX XXXX and Transworld just violated the FDCPA by sending the loans to a law firm to avoid sending a validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX or XXXX, I discovered I could no longer download transactions from my accounts at Citibank or log into the online system. Upon contacting them, they claimed that they had detected malware 3 weeks earlier, and the automatic system had locked me out of online access. I was never contacted ; while they had an old physical mailing address and phone number, they also had a current and active cell phone which was never used ( This is problem 1 ). They said they needed to send a new ATM card, which they overnighted to me. When I received it on XX/XX/XXXX, I activated it online ; that afternoon around XXXX I went to withdraw cash. At that point, I found that access to my main savings account had been locked. I called them, and was told that the department with the power to unlock that ( the malware department ) only was available XXXX M-F and I would need to call back the next morning ( Problem number two ). The next morning, I called and got the account unlocked, and began the process of recreating my online access. I was unable to create an account for online banking ; the customer service rep said that this was " an ongoing issue with creating accounts '' which had been around for over 2 weeks, with no updated information, workaround, or estimated time of recovery ( Problem number 3 ). I ultimately was able to recreate my account access by creating a new account for a credit card I have with Citibank and linking the bank accounts. This resolved access for a short while ; yesterday ( XX/XX/XXXX ) I went to withdraw cache to find that my savings account was AGAIN locked ; the representatives at the branch had no power to correct this, and I again need to contact the malware department ( problem 2 again ), although my online access is still active. As of the current time, I am still locked out of my main savings account.

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 2016-06-21
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems Inc ... Has just submitted a bill for payment of a XXXX Ticket Owed to the XXXX XXXX XXXX XXXX in Washington State, for ( {$230.00} ) This bill was fully paid using cashiers check # XXXX To : Transworld Systems Inc. ( {$200.00} ) Dated : XXXX. 

This is the second time the same bill has been submitted by the same company. ( Which is already paid ) XXXX they added another fee. 

This Violates their " Stipulated Order for permanent injunction and monetary judgment '' Signed with FTC XXXX/XXXX/2013, as a subsidiary of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
XXXX  XXXX  reported the inquiry this morning that was made SUNDAY XX/XX/2021. No authorization was given to run credit. Nor was anything applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
I 've had an AmEX CC for seven years, paid my balance in full every month without exception ( and have a perfect credit score ). Between XX/XX/XXXX and XX/XX/XXXX. and after receiving a new, I was told, " higher security '' card, I was forced to call AmEx in sum seven times because my " new '' card was repeatedly " declined. '' On XX/XX/XXXX I cut the new card into XXXX pieces and mailed to AmEx CEO XXXX XXXX ( my 2nd letter to him, my first sent XX/XX/XXXX ). I have to believe this meets the definition of deception, i.e., they made it impossible for me to use my card to conduct a legitimate business/make a legitimate business purchase. My wife 's theory is since I pay no annual fee & again pay my balance in full monthly they were not making any money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: World Omni Financial Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a car from XXXX XXXX Toyota and the finance department offered me gap explaining that it will cover anything that my insurance does n't covers if the car was to get totaled which did happen on XXXX XXXX XXXX so my insurance which was direct general paid what they believed the car was vauled at XXXX which does n't make much sense because it was a XXXX Toyota Corolla with XXXX miles and the gap which was XXXX company paid XXXX which was n't the remainder because the payoff was XXXX so now I have a balance left on the car that I have to pay and I have no car and owe my finance company XXXX and they want the payment in full I ca n't get a another car because the loan is still on my credit and if I do n't pay them XXXX by XX/XX/XXXX they will charge it off it seem very unfair and then also my finance company reported to my credit as been 60 days behind when in never was late with them I got in the accident on XXXX XXXX and it was made aware to them and my insurance declared it as a total loss and my insurance advise the was going to issue the check which they did and my finance company still reported to my credit as 60 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called XXXX on XX/XX/XXXX or XXXX of XXXX and explained to them that I would like my final bill for the amount owed. I also was very affirmative that I would NOT pay the amount that they're requesting I pay due to how I forced to purchase a brand new phone on XXXX, XX/XX/XXXX. I agreed to pay them {$200.00} for the bill but I did not agree to pay them back for a phone that they FORCED me to purchase even though I had insurance. This was a whole scam and I may not can tell it inside this little box that you'll are asking all the information for but if you got me in person or on the phone, I bet you I could.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, authorize nor benefit, from any of the following inquiries. Block and remove the following that's on my 604 letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a victim of the XXXX cramming fraud. My account was validated as eligible for restitution. Midland funding has attached this account to my credit report and has applied fees on top of erroneous cramming charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021. I mailed a letter to Transunion, XXXX, and XXXX  and XXXX XXXX about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.

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 2017-04-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.

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 2021-04-26
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Paycheck was deposited to my bluebird prepaid card from my job XXXX XXXX XXXX XXXX on XX/XX/2021 and my account was permanently suspended and no one can tell me anything and it has all my money on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I am XXXX of XXXX beneficiaries on a savings account of my father 's. My father passed away in XXXX and when I inquired what was needed to collect and close the account, I was advised the death certificate. In XXXX I took the death certificate to the bank and requested the funds be distributed to the beneficiaries. This time I was told that all the beneficiaries needed to be present. I advised the representative that this was not possible as they do not live close to a branch bank and XXXX lives out of state. I was then advised that a notarized letter would be needed from each beneficiary with their name and mailing address so that the check could be mailed. On XXXX XXXX, I took the notarized letters to the bank. The representative called the legal dept. to verify if the letters were acceptable. This process took 45 minutes. I was then advised that the letters needed to have instructions included. When I asked what type of instructions, the rep replied he was n't allowed to tell me. I asked to speak to the legal dept. and that was n't allowed either. On XXXX XXXX, I contacted the branch manager to understand what was required to receive the funds and close the account. She could n't answer me and needed to contact the legal dept. and she would call me back. Five hours later she called me and stated the letters needed to include instructions on what was being requested. So again I had my brothers and sister complete notarized letters, mail to me and I took to the bank on XXXX XXXX. As of today, XXXX XXXX, the checks still have not been distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to XXXX, Equifax and XXXX  on XXXX.It 's been over 45 days and I have yet to hear back from then. XXXX, XXXX  and Equifax are all in violation due to not responding back in time. I demand these accounts to be verified or removed immediately or I will file for litigation due to the stressed you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Community Loan ServicingXXXX Loan # XXXX - Call Community Loan Serving at ( XXXX ) XXXX I've been making weekly payments of {$250.00} online on their website and each time I have made the selection for " additional principal payment ''. In the payment history it states that those payments are in a suspense status. I called and spoke to a nice customer service representative and I was told that she would manually apply them to the principal on the corresponding dates. She said that I would see this in 2 business days and the status has not changed. I am concerned because I've read that some mortgage companies try not to apply these additional payments to the principal and the whole purpose of me doing this is because I'm trying to save on the interested and hopefully knock years off my loan. 
see below : Payment History XX/XX/XXXX {$250.00} XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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:
I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by XXXX XXXX XXXX, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and XXXX XXXX to investigate the validity of ownership to the debt from XXXX. XXXX XXXX continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.

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 2021-04-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: JPMORGAN CHASE & CO.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been working with XXXX XXXX XXXX to settle my credit card debt and have been consistently mislead or lied to throughout the process. I recently sent them additional funds to pay off a small ongoing structure and XXXX XXXX relief says the payment will take a full month to be paid. This allows them to charge an extra month of account and payment fees, forcing me to send in another lump sum to cover those fees. If this lump sum takes another month to process, they will hit me with those same fees again next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any letter from the debt card company, XXXX, ( which was sold & probably closed all accounts without previous notice ), my payments were on auto debt, and because they without notifying me closed my account they were not able to keep charging my account. Suddenly 2 years ago I find my account in collection with JH Portfolio Debt Equities, still thinking my auto pay was taking care of that, I contacted the company and no one was able to give me more information about that account since it was too new. I contacted them several times and only after disputing through XXXX that they found out that they were sending registered letters which were not being forwarded to my new and updated address through USPS. I still wanted to pay my balance in full but in the correct amount without late fees and penalties applied by XXXX with the condition of them fixing their mistake with all credit bureaus and taking my name out as default on payment reported, but they refused! My credit was hugely and negatively impacted by their silly mistakes committed both by original lender XXXX and new debt collector JH Portfolio. Every quarter I contact them, they still ca n't do anything about it, just told me on the phone that if I pay they wo n't change my credit report with bureaus and I refuse to pay in these terms. They need to fix their mistakes and not make hard working and honest people like me to look bad even when going to buy a car. Unbelievable!!!

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 2021-04-26
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving telephone calls from Credence debt collection agency, calling from XXXX XXXX XXXX ), two ( 2 ) to three ( 3 ) times a day, six ( 6 ) days a week for the last eleven months XXXX XX/XX/XXXX to XXXX 2021 ). 

They refuse to speak to me on my recorded line, hanging up when I answer and advise them they are speaking on a recorded line. Nor will they leave an explanatory phone message on my answering machine. 

This is exasperating for the simple reason I HAVE NO OUTSTANDING DEBT. Why is a debt collection firm calling a person who has no debts? Which I would gladly explain to them if they did not continually hang up on me. 

This is harassment of the worst kind.

Company response to consumer: Closed with non-monetary relief