BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't owe anything to JJ MARSHALL with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXXXXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
American Express ( AMEX ) and XXXX had a join promotion under code XXXX from XXXX to end XXXX 2016 for free airport XXXX ride. 
We took the ride on XXXX from XXXX XXXX airport cost {$34.00} charged under my AMEX card. Under the above promotion, AMEX is to credit full {$34.00} to my American Express Card. However, AMEX refuses to issue the credit to me. I have disputed with AMEX but they close my dispute without proper explanation. I complaint through XXXX too, and AMEX simply replies that it is XXXX responsibility to issue the credit ( if that is the case, AMEX has the responsibility to assist my dispute to begin with but AMEX did not. 
I am seeking your help on this matter. AMEX should honor its joint promotion with XXXX and issue me credit of {$34.00}, and issue credit to all other XXXX drivers under this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2022-02-23
Company: EQUIFAX, INC.
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:
I am a victim of identity theft. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX, that need to be removed immediately Inquiries Equifax : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Pennymac is foreclosing on a homeowner who has attempted in good faith to renegotiate a loan modification of this home equity loan. Also, the foreclosure itself may be invalid due to improper notice requirements. Pennymac should be required to meet loan servicer guidelines in terms of a single point of contact and HAMP loan modification regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The information reporting is incorrect. It is erroneous. It is reporting that there was a 30 day late. This is not the case and needs to be deleted not only is it a closed account but the uniformity of the credit card company is not reporting correctly the only company that is reporting correctly is 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 non-monetary relief
Consumer complaint received 2017-08-11
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to return a XXXX Thermostat to XXXX XXXX in Texas for failing to compete a two year term with them as an energy provider. I returned the thermostat in the mail with the address the company provided. A company called Transworld Systems : XXXX XXXX XXXX XXXX DE XXXX Is attempting to collect {$200.00}, the value the company believe the XXXX thermostat is worth. Again, I returned the thermostat. They continue to call my home and cell phone daily and send letters attempting to collect a non-existing debt. I told them once on the phone that I returned the thermostat already, yet the problem continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim to dispute a transaction on XXXX XXXX 2022 with JPMorgan Chase & CoXXXX for the amount of {$7000.00}. The merchant for the transaction im disputing is XXXX, a stock trading platform I've used in the past. Before filing this claim i lost access to my XXXX account on XXXX. I have tried contacting them via email and their customer support number listen on the website. We believe my account has been compromised so filed a claim with chase. Today on XX/XX/XXXX i was informed my claim was denied. After speaking to the supervisor on duty she said in my initially claim i stated the transaction was fraudulent. She explained, since i did in fact authorize the transaction of {$7000.00} i filed the claim incorrectly. She said i can not mend or file another claim and that there was nothing they could do at this point. At the end of the call she recommended i take it up with small claims court. Not only is my money lost but i can't seem to get any decent information on a course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: National Business Factors
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Business Factors through previous complaints with CFPB has agreed to delete this item from my credit file. This dispute has been going on since XX/XX/XXXX and more recently through a letter sent to National Business Factors ( which have gone unanswered ) via certified mail received on or about XX/XX/XXXX.

XXXX  and XXXX as of late XX/XX/XXXX state National Business Factors have verified the information is reporting correctly on my credit report instead of deleting the item as National Business Factors have promised.

I did receive notice from XXXX  that the item was deleted on XX/XX/XXXX.

I am willing to try this one more time ( 30 more days ) to allow National Business Factors to DELETE this item from ALL my credit reports. However, at the end of the 30 days if the item remains on my credit reports I will be forced to file in Colorado Federal and civil court to enforce my rights under the FCRA and FDCPA. I was declined for a Mortgage partially due to this item on my credit report. I pay higher insurance premiums and have high interest rates on my credit cards because of this item. I have been financially harmed now in the hundreds of thousands of dollars and will seek damages in at least that amount as well as punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Southwest Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the fair debt collection practice act you have thirty days after receiving a collection notice that I received on XX/XX/2020 to write for validation of mail i sent certified letter on XX/XX/2020 swrs collection agency did not validate debt and put the debt on my credit report unverified this is violation of federal law and must be immediately removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Midwest Recovery Systems
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company never mailed a right to dispute letter. Collection placed on credit report XX/XX/XXXX. Company called me twice XX/XX/XXXX and XXXX. I did not give them any information to verify me and I told them to mail me a letter I would not give them any Information. They called me if they want to collect they have to mail me a letter. The guy said well we dont have to mail yu a letter. It was placed on my credit report before they sent a letter of right to dispute. No communication occurred between us. I am filing a fdca complaint that my rights were violated as it was placed on my credit before I got a letter and never got my right to dispute legally!! I am buying a new car this week and now this is on my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Berlin-Wheeler, Inc. (Kansas)
State: WA
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:
Was contacted by Berlin-Wheeler regarding an account that went to collections. The account originated with XXXX XXXX. After speaking with both XXXX XXXX and Berlin-Wheeler it was determined the account was fraudulently opened by an unknown individual in a  different state. The person had used my name and social security number to open the account. There was an unpaid balance of {$1700.00}. After speaking with Berlin-Wheeler it was agreed that they would not post anything to my credit and would send me a fraud packet to fill out and return. This was in XX/XX/2019. I filed a police report and called Berlin-Wheeler to provide it. They stated there was nothing they could do with it and that I would need to wait for the packet to arrive. I confirmed my mailing address and requested an ETA for the packet. They were unable to provide one. I waited and no packet arrived. I received a notification in XXXX that I had an account in collections on my credit report. I checked and found that they had in fact posted it to my credit report. I called them on XX/XX/XXXX and was given the same story. They would send another fraud packet to me and that there was nothing they could do until they received it back. I explained that this was the second attempt to get a packet and again requested a time frame for when it would arrive. The agent at Berlin-Wheeler stated he was unable to provide one. I still have not received a fraud packet in the mail. This is impacting my credit score as I have not had anything past due on it. They are not assisting in helping me resolve this and I fear they could file litigation To receive payment from me on the fraudulent 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 2016-12-10
Company: Alorica Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
COLLECTOR IGNORED CEASE AND DESIST AND KEPT CALLING AND COLLECTING ON A DEBT UNDER GLOBAL REC. SOLUTIONS AND WENT ON MY CREDIT REPORT TWICE W/O VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, so everyone knows, I am in the process of purchasing a home. As usual, private, XXXX, XXXX, individuals from dangerous lawbreaking organizations, are working behind the scene to cause delays and blockages. They want me in constant hardship. Their hateful ideology cause them to use the darkweb, darknet to covertly attack me. They abuse the entire IoT, and use other unorthodox practices to bring harm. Under the Fair Credit Reporting Act, people have a right to file a dispute with credit reporting companies to correct inaccuracies on their reports ; and have been disputing credit discrimination for years. I am dealing with a lot of retaliation from these XXXXminded criminals. They obsessively want me in a vulnerable situation. Having low credit scores will prevent me from obtaining housing, which will help these XXXX XXXX, RICO violators with their targeted, abusive goals. Criminals have sold my information on markets, illegally impersonated me, attacked my finances ( stole money out of my accounts ), attempted to open loans in my name and the list of abusive attacks has been going on for years as they disrespect and violate my human rights. It must STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer. 
Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year. 
I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I took advantage of a CitiBank promotion which was to open a new account and receive a {$400.00} bonus after meeting requirements. I had met the requirements and it 's been nearly XXXX months and the bonus still has not posted.

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 2016-01-22
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I received XXXX Citi pre-paid debit cards for switching to XXXX wireless. Each pre-paid debit card is worth {$200.00}. The cards had a very short 6 month expiration date. The cards are now expired and when i called Citi they stated that the cards are expired and that I am out of luck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX My financial advisor and myself contacted XXXX XXXX XXXX concerning account # XXXX. We spoke to a XXXX XXXX at Ext. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in 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 2020-01-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified experian of these fraudulent accounts and have asked them to remove these accounts from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My Venmo account was permanently frozen without any explanation. I was informed that I violated the user agreement, but was never told what transgressions I had committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX  of these fraudulent accounts and have asked them to remove these accounts from my credit report which they have done finding the account to have been opened fraudulently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I deposited {$13000.00} into my checking account and teller said no hold on funds. Next morning I get an email that says the funds are on a 10 day hold. I have tried to see if the checks were cashed and see if Bank of America was just being irresponsible. This is an excessive hold in a digital world. I feel Bank of America is putting a hold on my 2 checks totaling {$13000.00} just because they can. We have no recourse but to wait. When I call the bank I ask how this can be avoided in the future and I get no advice.

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