BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: AIH Receivables Management Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collection agency AIH Receivables Inc in XXXX, KS did not provide me with the following information that was requested twice : A copy of the last billing statement sent to me by the original creditor. 

The amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
XXXXOr Details about their company and who they are : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information twice and they are only sending me an itemized statement from the original creditor and a sheet where I agreed to pay for all charges. 

However, I do not know who these people are and would appreciate it if they would just provide me the information I requested with twice. Once I can compare that with my records then I will feel more comfortable with paying the amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: ZWICKER & ASSOCIATES
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an XXXX XXXX card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX  on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts XXXX XXXX XXXX Contract Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. -- ( A ) IN GENERAL -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I got a XXXX credit card from Credit Karma. Its been tough paying for it. I found that Credit Karma didnt explain the card correctly. I owe {$600.00}, and are under XXXX payments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
my son defaulted on a loan with XXXX bank in XX/XX/XXXX. I had co signed for the loan and attempted to pay to stop repo, but they repo after I caught it up. They didnt write off XX/XX/XXXX, but have resold the debt to Dynamic Recovery Solutions who sent a letter telling me they were planning to send me papers of the pending judgement. (? ) I am pretty sure it 's illegal for them to send this to me. I would appreciate any help or advise. I live in Ga and statue is XXXX years. Please investigate for me, this seems like a shady company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft. Central Credit Services are trying to collect a debt that I do not owe. CCS received my information from XXXX XXXX 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 2016-02-21
Company: AMERICAN INTERNET MORTGAGE
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am applying for a new mortgage. This is a property that was put under contract as a lease purchase 5 years ago, when the market was not as good. It has come to the end of the lease purchase and I must now complete the purchase. The value of the home has increased over the past 5 years. AIMLOAN had one of their approved appraiser put a value on the house. The loan to value ratio is 45 %. I am only borrowing 45 % of the current value of the loan but AIMLOAN is requiring that I pay Private Mortgage Insurance. Even though I advised the this was not legal and would n't even cover them, because it only covers the first 20 % of the value of the the home, they did n't care and are refusing to close on the loan if I do not purchase the Private Mortgage Insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
On XX/XX/2020 I contacted PayPal Credit to remedy a delinquent account. They offered me a customer assistance program to pay off the past due amount of the line of credit I had with Synchrony. The agreement was a minimum of {$34.00} a month over a 5 year period. The balance I had would not accrue interest and the amount was frozen in time. I paid the first payment of {$34.00} and I was told to pay every month to keep the account out of delinquency. 

Two weeks later, I noticed that my Paypal credit account was still shown as past due on the app and it said a payment was due on the XXXX of XXXX. I called on XX/XX/XXXX to get more clarity about what was going on. When I called, I spoke to a representative who told me that the system had not yet updated and that I just needed to make sure I made the minimum {$34.00} payment every month. I did not have to worry about the past due status. 

The past due status continued to be on my account for months even though I paid what I was supposed to every month. On XX/XX/XXXX, I got a notification from XXXX  saying that my Paypal Credit account was being shown as 30 days late. Of course, I was confused because I was doing exactly what I was told when I agreed to the program. In addition, my account was being charged interest after I was told that there would be no interest accruing! 

I call that day and I speak to a rude representative, who lacked listening and customer service skills, named XXXX ( ID # XXXX ). When trying to relay my issue to her, she repeatedly said that there was nothing wrong with my account and that the account being past due was communicated to me from the beginning. Obviously she was not there to say what was or was not communicated. In addition, I know for a fact I was not told that my account would remain past due by 2 different representatives. As stated, I called on 2 separate occasions. 

This program is supposed to help those going through hardships but instead this is not helpful. This needs to be corrected 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 monetary relief
Consumer complaint received 2016-04-22
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is attempting to collect on a FRAUDULENT debt! They have been making unauthorized inquiries on my credit reports. First, IF those debts are actually mine, they are outside of the Statute of Limitation for legality of debts. Also, Dynamic Recovery Services would be able to provide actual PROOF of the legitimacy of the debt. They have DENIED this! Secondly, I DO NOT OWE THE DEBT THEY ARE CLAIMING I OWE! I attempted to call them to inform them that I am aware of the numerous complaints for fraudulent activity against their company, and they were to cease and desist immediately. One of their " representatives '' told me that he was ending the conversation because I was being " unprofessional ''. I was not being unprofessional. I was being TRUTHFUL in telling them that they have been caught in an ILLEGAL LIE! They are attempting to do the same thing to my husband, XXXX XXXX, for approximately the same amounts. These " debts '' are supposedly for " medical services that my husband and I have never received. Also, per the Fair Credit Consumer Act, those " debts '' are to include the actual date of service. However, NOTHING that Dynamic Recovery Solutions has provided, shows that information. Therefore, they are trying to illegally collect on a phantom or fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-31
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Merchantile Adjustment Bureau calls the residence of my Mother ( XXXX ) a couple times a day asking for XXXX XXXX XXXX. No one by that name has ever lived here nor had our phone number. I have called this office to request that they cease and desist harassing us with these repeated calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: NV
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:
ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has  prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

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 2022-09-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX/XXXX  XXXX Balance : - ; XXXX/XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$990.00} ; XXXX/XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a business loan with Wells Fargo Bank, all went well but as part of the interview I was asked if I was interested in other services and offered the credit card payment processing service. It was all to quick and I agreed. At the end, I was charged {$730.00} for the POS unit and services, that shortly after I left the bank, I received several offers form other banks for the same service with no obligation to PURCHASE nor rent the POS machine. I feel that Wells Fargo, misrepresented the service to me. Yes I agreed to a contract which they referred me to when I called asking for help. I feel that other non-suspecting small business owners in their heist to open a business may not be aware of the consequences of accepting the services offered by Wells Fargo Credit card processing. I seek help in recovering the funds and return the unit to them in the same conditions as I received it. I made several attempts to resolve this with the sales person in charge to no avail.

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 2022-04-11
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
BlockChain is going on an abusive power trip beyond belief with ALL my crypto. 
Here 's what happened : I live in XXXX - XXXX as you know is a small XXXX country - XXXX kilometers in any direction brings one in a different country. So that happens all the time. 

Despite all measure the have in place to authenticate who you are at log in ( account ID, password, 2FA, facial recognition - all of which I use by the way!!! ) they find it " suspicious '' that I check my balance outside XXXX. It seems they don't have great confidence in their own infrastructure!! 

And here 's the kicker : what does Blockchain do? They confiscate all my assets ( worth over 100,000 $ ), AND they do NOT even tell me why ( other than " suspicious behavior '' - to do with traveling ). I asked them twice, explicitly : " What do you mean - tell me exactly what you find suspicious ''. No answer. 
You're reading this right : they confiscate without telling why. Like that. That why the classification of abusive power trip is justified. 

So I'm done with them. I just want to LEAVE. They do NOT communicate, they just steal your money without ANY explanation, AND they don't follow up, reply to pertinent questions,... It's a crying shame. 
They just leave you hanging, for no reason, for as long as they wish. 
This is the OPPOSITE of a serious platform. 

And -by definition- theft. 
I have meanwhile- and for this reason- set up a XXXX account. 
Yet, also at my request to transfer my assets there : ( you guessed it ) NO REPLY WHATSOEVER. 
They sent one request : create a clean new account with them. 
Even if 1/ My old account was not dirty at all- and I have still no idea why they think it is. 
2/ I have literally ZERO desire, after all this, to stay with them. 
So instead of creating a new account, they MUST release MY assets that they are illegally holding, and transfer it to the indicated XXXX account. 

I chose to " Publish '' this info so that ( hopefully ) - many more people can read how BlockChain is " treating '' their clients. This illegal, abusive power-trip has to end. Immediately. NEVER EVER use their rewards account as that means you are handing over your assets to them and they refuse to let you check out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I had been contacted recently by XXXX University XXXX at XXXX, that I was being sent to collections over an old parking ticket. For reasons I do not fully understand. I remember contacting the college about this after receiving the letter asking for verification of debt and immediate cease and desist. I also got the name of the collection agency and instructed them no contact. I then received an official looking envelope, color XXXX. The only type of letter that is blue is a summons or a lawsuit paperwork. For a collection agency to mail a letter to an alleged debtor in a blue envelope and an incomplete unverified address may be violations of the Fair Debt Collections Practices Act ( U.S.C. Title 15 ) and various Student Privacy Laws as amended. This document resembles a tax document or income tax refund check. 

In addition, this document looks like a summons because summons documents possess barcodes similar to this. In addition there is a return address of XXXX XXXX XXXX XXXX, XXXX XXXX and a postal permit address in XXXX XXXX, XXXX So this is deceptive. ( Title 15 U.S.C. ) In addition, I had already requested no contact except from XXXX XXXX XXXX or the collection agency. 

I requested several court dates back in the day because I was not a student at the time of the parking ticket. I visited the campus because the college refuses to issue bills. Students must visit the college website, remember their student ID and get their bill. Some type of technical issue prevented this technical ability because I was being billed for health insurance I was never informed that I had, so not only did XXXX XXXX endanger my life because I was a XXXX patient whom had no idea he had insurance. I parked in a XXXX minute free parking zone. There were no markings on the tires to indicate the University police ever checked a start and end time. Nor did I get a day ion court to reduce the fee or charges. Now I believe a law may have been broken by the college and or the collection agency representing the college.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: B&F Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I turned over the loan to a debt mangle to company but company called b & f finance at XXXX in XXXX Tx keeps on calling me XXXX to XXXX times a day for payment and refuses to talk to the debt management team which r ready to negotiate they r harrassing me to the point of explosion I need help to stop the harassment! Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Background : On XX/XX/XXXX, I booked 3 air tickets with Chase Travel. The tickets were on United Airlines with travel dates in the 1st week of XXXX. The cost of the tickets was approximately XXXX Chase Ultimate Reward Points. 
With the Coronavirus impacting travel and United Airlines canceling the flights as a result, Chase Travel sent me an email on XX/XX/XXXX offering an online form to cancel my trip as a means of avoiding long hold times on the phone. The email noted I was eligible to use the form as my travel was within 8-14 days away. 

The problem : I received an email on XX/XX/XXXX stating the tickets had been cancelled, and only XXXX Chase Ultimate Reward points were refunded. When I asked for the difference, I was told the difference was used to settle United Airlines cancellation fees. I pointed out that the email on XX/XX/XXXX stated that if any cancellation fees were to apply, Chase Travel would contact me before proceeding. Additionally the XX/XX/XXXX email stated that Chase Travel would contact me if the Airline offered a travel credit, which I could use in place of cancelling the tickets. I pointed out that Chase Travel didn't contact me for either of these items ( application of fees, travel credit ) before proceeding with cancelling the tickets. 
I contact Chase Travel on XX/XX/XXXX. The agent agreed with me, but had to escalate to the supervisor. I spoke to the supervisor on XX/XX/XXXX, who also agreed this appeared to be a Chase error, and had to escalate further. Finally, on XX/XX/XXXX, the supervisor said Chase had decided that despite the email stating the above mentioned items which indicates an error on their part, they will NOT refund the fees or give me the option to use the United Airlines travel credit.

Company response to consumer: Closed with non-monetary relief