BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 letter via the USPS enclosing a customer service evaluation tool ( CSET ) Since I write reviews for products I thought it was a different assignment, although very different. I was old to go to three stores and purchase {$2500.00} in XXXX gift cards ... .then send them via text the codes on the cards after writing reviews about my assignments, which I did. I then received another assignment but did not start it as I waiting for my check to cash for the {$2500.00} in gift cards. IT did not cash even though it was deposited without a problem at the bank. It was a bogus check. I immediately reported this to American Express on XX/XX/2020. They told me not to worry as this would be credited and I would not have to pay for the charges ; they sent me another card. Received another call from American Express on XX/XX/XXXX stating that the charges on my American Express card had been reversed and there would be no charges on my account. Today I received a notification that the charges would be reversed and would be charged to my American Express Card in the amount of {$2500.00}. 
I am XXXX years old, very very stressed over this scam. Not sure what to do or where to report this. 
The number given me by the Customer Service Evaluation Tool was XXXX and the name signed was XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have requested a loan modification twice from Caliber Home Loans within the last few months. They have denied us both times due to insufficient income. The first request we made was missing our rental income so we were advised to reapply which we did. The second application was denied for the same reason, and the appeal was also denied for the same reason, even though our income is now $ XXXX more than our debts. We initially fell behind because of a loss of income which has now been rectified. Also, our temporary modification we received from Caliber expired which increased our monthly mortgage payment from {$1800.00} to {$2400.00} per month. We are requesting for Caliber to review the attached documents again since their denial reason was incorrect. They also denied us due to their appraisal results showing that the home balance is 67 % of the appraised value of {$300000.00}. We are also disputing the appraisal amount. We recently received a letter from Caliber Home Loans stating that our loan balance is $ XXXX, but when we called in to inquire about the balance owed they were unsure how that balance was calculated. We definitely qualify for the 5 year loan modification extension and are requesting Caliber Home Loans to honor this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016, I requested a copy of the written instrument ( all pages, both sides ) that clearly shows that XXXX Master Parcipitation Trust is the " new creditor '' of my loan, the loan having been assigned from XXXX XXXX XXXX. In response, all I got was a letter saying stating the same, exact information ( see attached ). A second response has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Alorica Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The company, West Asset Management, repeatedly calls me on my cell phone refuses to identify why they are calling and states repeatedly " I have your Social Security Number now you need to verify it for me. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: CURO Intermediate Holdings
State: OR
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
The lender or merchant, Rapid Cash or Speedy Cash, obtained and fraudulently charged my debit card without my authorization on an outstanding balance from 2007 in the amount of {$800.00}. This transaction was not authorized by me and the statute of limitations of six ( 6 ) years has been exceeded in the state of oregon. I have contacted the merchant XXXX, and XXXX times they have been uncooperative and refusing to return my monies back to me. I have disputed the transaction with my bank and have filed a police report as I feel that the merchant has commited a crime. I 've also reported the merchant to Oregon District Attorney, Consumer Protection Agency and the Attorney General of their fraudulent activity and in attempts to get my monies returned to me. This unauthorized transaction took all of my paycheck that was also direct deposited on XXXX/XXXX/15, leaving me with literally no monies at all for the next two weeks, most importantly basics like living expenses ( i.e. food, transportation expenses, necessities, needed medication refills such as XXXX, etc ) and for bills that are now going to be past due ( i.e. rent, utilities, car repair, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Ceannate
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
after talking on the phone with this agency, their practices were very unprofessional. ive read several complaints about them on the web.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Asset Management Outsourcing, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical services were provided at an XXXX facility ( XXXX XXXX 's Medical Center ) during a period of relocation. The health facility mailed the bill to an older address. I sent payment as soon as I received the bill as a piece of forwarded mail. I also contacted the facility in the interim to confirm receipt of payment. Somewhere in the interim, the medical center must have issued a request to collect the {$25.00} copayment to a debt collector. Upon receipt of their letter I informed them that the copayment had been sent and received by the medical center. However, the debt collector ( Nationwide Recovery Services ) has refused to contact the medical facility to confirm receipt of payment and has asked that I provide proof to them. The easiest form of proof is for them simply contact the medical center. I informed them that I would file a complaint as they told me to expect continued collection attempts until I furnished proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Ceannate
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I live on social security. I defaulted on loans I took out to pay for my childrens ' college expenses.Since I am in default the Education Dept. is taking $ XXXX monthly from my SS amount. Now a company called fms, a XXXX company has been hounding me for the same debt. How can this happen when I am already paying on this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Affirm Holdings, Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To Whom It May Concern : Ive heard about AFFIRM and tried to do business with them but EVERYTIME Ive applied IVE ALWAYS BEEN DENIED and I can never get a solid explanation even though its been the first time Ive appliedtried NUMEROUS times and been DENIED numerous timesI seriously think theres a problem there because Ive used XXXX, XXXX, and XXXX  ( formerly XXXX ) even XXXX worked with me. An investigation needs to be carried out and I need a response to this so if theres an issue I can proceed with legal options. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous calls from Harris & Harris Lmtd. stating that they are a debt collection agency and I must call them. They do not have a live person on the line when I pick up, and provide no reference to said purported debt. As far as I know, I do not owe anyone any money. These repeated calls border on harassment and I wold like them to stop. 

If they have a legitimate claim, they would be able to contact me in a reasonable manner, with sufficient details such that I would be willing to address whatever the alleged issue involved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: EQUIFAX, INC.
State: CO
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:
Despite the clarification l etter ( see attac hed ) from  XXXX ,   XXXX   refuses to delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Appalachian Lending Corporation
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Appalachian. Lending has harassed us by calling a place we XXXX. And falsifying. That we gave them as references when in fact we did n't. Give anyone that we worked with out there as references. They kept calling. Then sent friends on XXXX and us messages on face book. They had a deputy come out with a paper no court date on it saying they would garnish a hobby my husband does it 's not a business does n't. Clear XXXX a year and it 's doing more raising money for other people. They 've stalked ys on social media to find out he does his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
We rented a car from XXXX from XXXX/XXXX/16 to XXXX/XXXX/16 charging onto CapitalOne Credit Card. On XXXX/XXXX/16, XXXX sends me a letter stating we incurred speeding ticket while using their car and plans to charge my credit card {$110.00}. When I asked XXXX for a copy of the violation, XXXX refuses to send me a copy of the ticket for verification. When I contacted CapitalOne Credit Card to dispute these charges until I can receive proof of such violation, CapitalOne mailed me documents from XXXX claiming that XXXX had provided proof of the situation. However, the documents I received were car rental agreement plus a copy that is illegible. Still no documents/proof of XXXX 's Claim. Despite the fact that I faxed CapitalOne email documentation from XXXX traffic agencies in XXXX all confirming NO traffic violations exists based on the rental car 's license plate, CapitalOne considered this case closed and charged me {$110.00}. My repeated efforts to obtain a copy of the alleged traffic violation from CapitalOne and XXXX so I can verify the validity of XXXX 's claims were useless. CapitalOne rather help a XXXX XXXX XXXX to Scam me {$110.00} instead of protecting a consumer whom they figured wo n't be able to sue a credit card company. Laws need to be changed so consumers are not forced to waived their rights to sue a credit card company in order to obtain a credit card. WHAT A SCAM!!!! I will be posting this scam on social media ( XXXX, XXXX, XXXX, etc ) to alert all my friends to avoid CapitalOne Credit Card and using XXXX XXXX Rental unless these XXXX companies are willing to resolve this matter with me by sending me a legible copy of the traffic violation. After this matter is over, I will CANCEL my capitalone credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions 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:
TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XXXX. XXXX, XXXX + {$6500.00} Closed XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$5000.00} Closed XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$1300.00} Closed XXXX XXXX XXXX : XXXX. XXXX, XXXX + {$8700.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, FL 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 2022-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
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 just learned a XXXX credit account was established in my name and using my personal information through XXXX Bank. The balance being reported on my credit report is {$4100.00}. I have never applied for or held a XXXX credit card. 

On XX/XX/2022, I contacted Portfolio Recovery Associates and spoke with XXXX XXXX XXXX. I advised her of the situation over the phone. The Case Number is XXXX. 

In addition, I sent an email to XXXX advising that my identity had been stolen for the purpose of obtaining the XXXX credit card and requesting that they request the credit agencies remove this alleged debt from my credit report. 

On XX/XX/2022, I also contacted the card issuer, XXXX Bank. I was unable to speak with a representative and will be following up with the bank as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Had a VA mortgage with Bank of Texas ( Bank of Oklahoma ) ... .refinanced on XX/XX/XXXX ... .escrow refund was released on XX/XX/XXXX per website ... .I contacted them on XX/XX/XXXX and was told the check would be mailed out on XX/XX/XXXX ... .called in on XX/XX/XXXX and confirmed it was mailed out from their XXXX location to my home in north XXXX ... waited a week no  check ... called BOT was told to keep waiting ... .called back on XX/XX/XXXX and XX/XX/XXXX and was told the same thing to just keep waiting ... .I requested a stop payment and a new check cut and was told if I request that I have to wait an additional 30 days ... .requested on last 2 phone calls to speak to a supervisor but was told I would receive a call back same day ... .never received a phone call ... .have filed 2 formal complaints with BOT and was supposed to get a call back regarding those ... ..still have not received a call ... ... .It is now day 36 and I keep getting the run around with no solution except to cancel the " check they mailed out '' and wait another 30 days ... ..all I am asking for is a option on where I can pick up a check or have one recut and overnighted.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Capitol One XXXX credit card. The card became damaged and kept saying " chip error '' when I would use it so I ordered a replacement card. I never received the new card. Instead, I come to find someone broke into my mailbox, somehow activated my replacement card, and began using it. There were many charges made to my account however, Capitol One is saying I am liable for the charges made " in person with the physical card '' even though I did not make, know of, or authorize the charges. They just charged back my account with {$1000.00} in which are mostly from XXXX XXXX, XXXX and XXXX. I did not make these purchases!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: FL
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 have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services one time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and XXXX has 8. The numbers don't even match each agency, and the random credit runs were unnecessary actions.

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 2020-10-02
Company: ERC
State: TX
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:
The company by the name of Enhanced Recovery added information to my report that included account information from another state. After calling to try and resolve this issue numerous times, the company continuously added the information to my report over and over after i worked so hard on my report. The account clearly was fraud and the company only seem to care about adding it to the credit report of anyone to try and collect the debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My name is  XXXX   XXXX  .I l ive at  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  in the  XXXX . My zipcode is  XXXX . A company called  Navient  keeps calling my home phone number. I have already told them to contact me by my cellphone. They call late at night and before  XXXX  constantly. I am currently unemployed and I have no way of paying off my debt. At this point, I do n't even remember what I have to pay them back for or the amount of money I owe. I have applied for unemployment benefits, but I do n't know how much money I will get. I need the unemployment money to pay for public transportation and other bills.     I want them to stop calling my home number. This is bordering on harassment.     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Usaa Bank is always putting holds on my funds on purpose so they can collect nsf fees and I 'm tired of it ... .. They have also rejected payments of my bills when I had the money in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CarMax, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit was illegally ran by CarMax at about XXXX pst without my permission on XX/XX/21. I asked if my credit was being ran and I was told NO. This is criminal and illegal. It happened with XXXX in the CarMax XXXX Cust Srv Call Center on XX/XX/21. I found out only because I receive real time alerts on my phone from XXXX. I only called in to CarMax to schedule a test drive. When I realized my credit was ran AND no test drive would be set up, I asked to speak to a manager. I was transferred to the XXXX CarMax location to XXXX, a sales manager. 

I spoke to XXXX, the sales manager at the XXXX center, who was rude and not helpful! My credit has been ran multiple times through multiple banks due to this even though I ALREADY HAD A PRE APPROVAL FROM MY BANK! I was told I was being set up for a test drive while all the while CarMax was collecting information to run my credit! 

Please pull the call center call records as proof! My credit score has been damaged by this. Unacceptable.

Company response to consumer: Closed with non-monetary relief