BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have XXXX credit cards with home depot. I normally pay my bills in full each month. Last month, I missed paying the bill on XXXX of the cards. When I recieved my new statement and noted my error, I also noted the bill was now not due until XXXX and the late payment fee was XXXX. Since XXXX XXXX I have recieved no less than XXXX phone calls from CITI wanting money. I have verbally advised them they are harrasing me and requested they stop. They have not. This is not accpeptable behavior for a credit card company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: NCC Business Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt it was paid in full in the amount of {$2200.00} back in 2015 that I was sued for. I have extensive proof which I can and will provide. They have stated that I owe another XXXX  which has not been proven. I have made several attempts to contact NCC BUSINESS SERVICES via email and phone. On the 1st occasion I talked to someone in XX/XX/XXXX that told me that it would take 1-2 business days. I called back 3 days later and then was told it would take 3-4 business days. I waited a week to call back and talk to another person which told me that it would take up to several weeks to receive, and that they would have to get proof from XXXX XXXX XXXX. These are the people that own the XXXX XXXX XXXX XXXX XXXX. I called them and they stated they do not know of any moneys owed. I have been getting the run around for years for proof of where this extra money is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Convergent Outsourcing requesting debt verification via certified mail with electronic return receipt on XX/XX/2022. They have not sent any correspondence since.

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 2016-05-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I received a bill in XXXX with charges on my AMEX Macy 's card that were fraudulent. I checked to find that my card had been stolen. I immediately reported the stolen card to the number on the prior Macy 's bills. A new card was issued, and the charges in question were transferred over to my new card. We sent three copies of the first letter to the Department Stores National Bank describing the disputed charges. After a few weeks, we sent a triple set of second letters describing the same dispute, and again received nothing from the company. During that time, we continued to receive bills that showed increasing fees, penalties and late fees. We made XXXX minimum payments in good faith waiting for the company to address the issue. Several more weeks went by and we received nothing from the company. I finally got someone on the phone ( not easy to do ) who made notes on the account and sent us the appropriate papaerwork to file a formal dispute of the charges and instructed me to stop making payments to the company at tht time. We sent the ir form in, listing each charge that was in dispute, in XXXX XXXX, XXXX. To date, there has never been any response from them ; my bills, fees and penalties are mounting, and now I have lost XXXX credit card due to theor reporting of my account in arrears. Now my credit is being damaged because they refuse to acknowledge that I am in dispute of the charges made from a stolen card. I have dropped from " very good '' to " good '' according to my XXXX credit report.

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 2016-10-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Citi failed to appropriately investigate a dispute for a jetstar charge that was also billed to my XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Also they call day and night they have added way more then the original debt and continue to even after orig debt was paid they bought it for XXXX dollars and they have now charged me 325 % intreat on this debt which is illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: STERLING JEWELERS, INC.
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My engagement ring was purchased by my Husband XX/XX/XXXX. On XX/XX/XXXX it was put in to repair by way of the XXXX XXXX Jared Jewlers in XXXX maryland. I was told that I would get my ring back after the repair by XX/XX/XXXX as of today 's date I still do not have my ring and customer care for XXXX XXXX is unable to tell me where my ring is. After reading articles from XXXX from XX/XX/XXXX of other brides who 's rings after being sent to repair were loss, stolen or original diamonds were swapped I am very concerned that my diamond may be the next casualty in this horrific saga. I need help to find out where my engagement ring is. My ring is very dear to me, it 's sentimental to me my husband gave it to me and nothing the store can do can replace the original ring that my husband purchased for me. I am very devastated by not having my original engagement ring I await your response

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. I received a letter from ERC on XX/XX/2021. The letter is regarding a debt of {$150.00} to XXXX XXXX XXXX XXXX. My wife called the company since my XXXX is limited. I was asked if i ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. To be clear I have never lived at this address and I don't know anyone who lives at this address. I informed the company that I have never lived at this address, that I have never had an account with XXXX XXXX XXXX XXXX, and that I was not going to make any payments on the account because it is not my account or my debt. 

ERC informed me that I could go to directtv/notmydebt, login, and dispute the account. I asked how I was suppose to log in if i do not have an account with them. ERC provided me with the account number for the XXXX account. I asked if I log in to XXXX with the account number you provide it can be deemed as my account since only the one who created the account would have the account number. The ERC representative replied yes it might. The agent also asked me multiple times, if i ever authorized anyone to open on account on my behalf. Multiple times i responded no I have not. 

I returned the form they provide where i dispute the account because it is not my debt and asked to be provided with name and address of the original creditor. I also created an account on the ERC website where i submitted a Fraud complaint, a dispute, and a complaint. 

As i mentioned before although my name is XXXX XXXX. I have never lived at the address they provided XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I have never had an account with XXXX. I have never authorized anyone to open an account on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Source Receivables Management LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone bought phone on my XXXX that was not me. Company has been notified and continue to do nothing. Charge is fraudulent and will file report with attorney general

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: General Motors Financial Company, Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
My Lease was for 39 months, XXXX miles for a XXXX XXXX XXXX. It started on XXXX XXXX. I turned it in in order to purchase a new XXXX XXXX on XX/XX/XXXX. It was at XXXX miles and normal wear and tear. Despite this I was informed I had to pay for the wear and tear, approximately {$700.00}. I was able to talk it down to approx {$300.00}. However, it was a compromise and I should not have had to pay anything per my contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There are many accounts, collections, & hard inquires on my account XXXX - XXXX XXXX  XXXX- XXXX XXXX- XXXX There are also XXXX hard inquires & XXXX soft inquires that need to be removed In accordance with the Fair Credit Reporting act Convergent These accounts have 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 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 2018-03-20
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently received a letter from ConServe yesterday, XX/XX/XXXX, stating that I owe a balance to XXXX XXXX. I drafted a letter today, XX/XX/XXXX,  and sent via certified mail to both the debt collector and XXXX XXXX stating that the debt - in its entirety - is invalid and that until XXXX XXXX produces all documentation asserting the existence of such a debt, that the debt is invalid and not to be pursued as outlined in the FCCPA and FCDA. 

However, I have been receiving calls nonstop from ConServe since XX/XX/XXXX, and they are beyond harassing and aggressive. This is a violation of the FCCPA and FCDA, which state that if a person contests the existence of the debt, that the debt collector is not to pursue the collection of the debt. ConServe has no regard whatsoever for federal law and Florida state statue, and their behavior and relentless tactics is reprehensible at best and at worst illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Macy 's department store double billed us for a {$180.00} mattress pad and refused to drop the erroneous charge until after XXXX or XXXX billing cycles has passed. We pay our credit card account balances in full. By Macy 's refusal to remove the erroneous charge, we fear being charged interest for an item that we did not receive. Macy 's credit was extremely difficult to work with as it took XXXX phone conversation attempts to speak to a knowledgeable person to help resolve the issue. At XXXX point, we were forced to go to the store location where the erroneous charge was made and call Macy 's Credit while in the store. The Macy 's associates that we spoke to were unprofessional, extremely rude, and more concerned regarding caller authentication in lieu of the issue. We requested that a formal claim be opened to address our issue. After much push back from the Macy 's call center associates, we were provided with the following case / claim number : XXXX. We have no confidence that this matter will be resolved in a timely and correct manner. I look forward to your assistance in resolving this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I regularly use Chase Bank 's ATM and Branch deposit services but today I decided to try out their Chase Mobile phone app to deposit a check. With all three services the wording is nearly identical on any disclaimers. Essentially " deposit by the cutoff time and your deposit will be processed that day. Funds will be made available within 24 hours. Any holds placed on the account can affect funds availability. '' With both ATM and XXXX deposits, courtesy funds are made available to the account until the checking funds come through. This is not mentioned anywhere on the deposit slips but has happened every time I have ever deposited via ATM or Branch over the course of several years. There is nothing to indicated when depositing a check through Mobile that it is different from ATM and Branch deposits and courtesy funds are NOT made available. In addition, if you should decide ( say because you are mad about the deception around courtesy funds ) to cancel the deposit, you 'll then learn that you can not cancel deposits placed via Mobile. Again nothing prior to placing the deposit via Mobile mentions these sharp differences between Mobile and ATM or Branch deposits. ( No courtesy funds, no ability to cancel deposits ). The only advice I received from speaking to Chase reps was to essentially present the check at another bank with faster processing which would then force cancel the Mobile deposit as a 2nd presentation. I feel there should be specific wording clarifying the differences between Chase Mobile Deposits and their ATM & Branch deposits. Namely that courtesy funds will NOT be available and it is NOT possible to cancel a deposit once initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Went to XXXX XXXX hospital for XXXX XXXX a few weeks later I got the bill in the mail but when I called their billing the repsenative advised me to ignore it that even if I did n't pay my bill they could not report to the credit beaure because they were privately owned. I just checked my credit today XXXX to find they sent my information to a collection agency which is against the law. I wish to have the report from XXXX XXXX to be removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I disputed several inaccuracies on my credit report and Transunion has refused to delete all unverifiable accounts and public records from my report. I am downloading a copy from one of the 3rd credit reporting agencies showing it was deleted and a copy of my FTC report stating that I have been a victim of Identity theft. 

They are also violating my rights under 15 U.S.C 1681 Section 604 A Section 2 : This law clearly states that a consumer reporting agency can not furnish an account to any other agency without my written instructions, and I did not give anyone written permission to furnish any information on my credit report. All accounts must be fully investigated and fully verified and Transunion has not done this. 

The following are inaccurate accounts that must be deleted. 

Bankruptcy XXXX  XXXX filed on XX/XX/XXXX is reporting inaccurate ( Proof provided ) XXXX XXXX XXXX filed on XX/XX/XXXX does not belong to me fraudulent account ( FTC report Filed ) XXXX XXXX filed XX/XX/XXXX is also inaccurate. Transunion removed 5 XXXX XXXX inaccurate loans but left this one, for reasons unknown.

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 2016-09-27
Company: GVA Holdings, LLC
State: OK
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Took a payday loan from a company Called North Cash. Their interest rate is like borrow money from a Loan shark. It is not right they treat the consumers like that. My loan was {$1500.00} dollars with a payment of XXXX twelve installment payments. That is insane an not right. I do n't understand why the interest rate is so high and why I ca n't pay them XXXX every two weeks. It 's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: ARVEST BANK GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Tried to call and make payment on XX/XX/XXXX, kept getting a recording that call center is closed even though posted hours of operation are Monday through Friday XXXX. to XXXX XXXX  central time. Placed first call at XXXX XXXX. central time. Unable to get through, tried paying online, and got a message that Unable to pay my mortgage online.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Global Credit & Collection Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Since XXXX XXXX to XXXX we received a daily recorded message to call Global Credit XXXX XXXX XXXX regarding a debt. We never returned these calls. WE DO NOT HAVE ANY DEBT.

Company response to consumer: Closed
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: DC
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 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Experian XXXX Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX XXXX in the amount of {$7000.00}

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 2022-05-31
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX  acc # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Credit card was issued with incorrect name, Citi refuses to correct. I received the new credit card in the mail. The name shown on the card is XXXX XXXX. This is not correct. My legal name is XXXX XXXX. I called the number on the card XXXX on XXXX XXXX, 2016. The first time the company disconnected the call. The second call had the same result-the company disconnected the call. On the third call I was able to talk to a person. The customer service rep stated they absolutely will not correct the name on account even though the wrong name makes the account invalid. ( They do have all my personal information and the did issue a card that was delivered to me via US mail )

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