BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter on XXXX XXXX, 2015 from Convergent Outsourcing to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. Convergent Outsourcing responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, XXXX, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, XXXX has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; one day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Firstsource Business Process Services, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The phone will ring once and hang-up several times a day from the same phone number. The calls are 7 days a week at all times of the early morning to late at night. Harassment is the intended purpose. I do not owe any debts and this company needs to produce documentation saying otherwise or stop calling. They call from this number ( XXXX ) and after doing a reverse look-up of the number it belongs to Firstsource Advantage , LLC XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Im writing this letter to request an investigation of the following : On XX/XX/2020 I tried to access my accounts online with JPMorgan Chase Bank only to find that all my accounts were closed and my assets were frozen without any prior notification. 
After weeks of correspondence and being bullied by customer service and personnel in the Executive Office, some of my assets were released and a check was provided. As of today, XX/XX/2020 the bank is indefinitely holding {$4400.00} from my closed checking account. 
I have explained and provided documentation to every level of the bank indicating that I am a travel nurse and have been negotiating unemployment compensation from the two states that I have been recently employed in, XX/XX/XXXX and XX/XX/XXXX. Because of the pandemic, there has been an extreme amount of confusion and delays with the unemployment insurance agencies that lead to an overpayment from XX/XX/XXXX UIA being deposited to my Chase checking account. I have been working with Arizona UIA to resolve this since XX/XX/2020 but the system is overburdened and very slow to make amends. 
I believe Chase has surpassed the legal investigation period and no longer has any reason hold my assets. Furthermore, the Chase Staff members have been very rude, intransparent and unaccepting of any explanations. 
Please see the attached a timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Correspondence regarding case numbers : XXXX and XXXX. I received a letter in the mail regarding I debt I know nothing about. It stated the statute of limitation expired in my state, therefore, they would not proceed with legal action. However, I recieved a robo call stating that my case was referred to XXXX for further legal action on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Works & Lentz of Tulsa, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company states that I owe a Medical debt for XXXX during the month of XXXX XXXX. I did not receive any medical services that would require XXXX in XXXX XXXX, or XXXX. They state they sent statements several times to my Oklahoma address, which they did not. I have asked their lawyer by mail to furnish me proof of this debt. He has not. I sent their company a letter asking for proof as well, their address was included in a letter from their lawyer, they did not provide me with any proof of debt or any response at all. 
I am a respectful, professional medical person myself. I pay my debts. I do not owe this debt. They have not provided me with any kind of proof that I do owe the debt, despite requesting the proof, multiple times. 
I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-02-02
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hello, I had been a long standing Citi Credit Card customer for the last 16 years having the account go back to 2000. In XXXX the account abruptly closed without notice to me. I only found out about this when I attempted to update my contact info and was unable to online. When I called to update it I was informed the account was closed due to inactivity. Like many other young Americans I 've been working my way out of debt and had reserved this card for emergencies. Had I known of an inactivity limit or been given a warning I would have taken steps to prevent this. 

Upon learning this I asked for the account to be reopened and was informed I would have to submit a new application for this including a credit check. I do n't understand why this was necessary with 16 years of good history but I consented even though it would mark as a hit to my credit. A few weeks later I received a letter saying my request had been denied due to insufficient information even though I answered every question asked by the representative during my original phone call. I was given a number with a time window to call and have this taken care of. I called the provided number and after a 1/2 hour on hold was told a different department would need to call me back. They never did. I wrote an email stating I did not understand the problem and asked for the correct people to call me. Another generic customer service rep called and again transferred me to a different department. They said I needed to submit a new application, something I had already done something I did n't want to do with another hit to my credit. During this process I was disconnected and was not called back. I wrote again asking the correct people to call me and stating I do not understand why this is such a hassle. 

During these phone calls I was also given conflicting information by 4 or 5 different representatives. Some saying I had 3 months to reopen the account, some saying one year. In either case it has resulted in unnecessary credit reports being pulled potentially damaging my credit. Citi fails to properly process my requests and give me accurate information about the status of my account and reapplication. One simple phone call from an appropriate representative could have solved all my problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with SYNCB/PPC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and sync/PPC with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.

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 2020-08-11
Company: BANK OF THE WEST
State: CO
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:
I applied for a bank of the west platinum credit card based on promotions I received and saw online ( 6 months no interest on purchases ). I  received some other promotion ( 15 months no interest on balance transfers ), but this change was not disclosed to me. I inquired about the promotion and the company took a long time to respond and I incurred hundred of dollars in interest waiting for their response. Nowhere on the account, settings, or statements were the promotions listed or identified. When I called they said they absolutely would not reduce the interest charge under any circumstances.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Not my accounts

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 2016-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed the balance of auto loan with TransUnion. The other XXXX credit agency 's have the correct information in their records that I paid off my {$30000.00} auto loan over two months ago. A man in XXXX for TransUnion says they will not take any action to correct their records. He asked me to send him a copy of my vehicle title, instead of them contacting the loan company to confirm. What?! Send him a copy of my title ... I do n't think so! This is not right people! Their reporting is extremely slow and lacking in proper customer service skills.

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 2020-08-11
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am filing this complaint because I have contacted Apple Card ( general Mastercard account serviced by Goldman Sachs Bank ) over five times in the past five days and the customer service representative has been unhelpful and has failed to follow up on my concern after saying they would within a 24 hour timeframe. I received an e-mail communication from Goldman Sachs Bank on XX/XX/2020 saying that my Apple credit card was canceled ( email attached ) due to Failure to comply with the terms of the Card Member Agreement or Rewards Agreement. Upon receiving this email, I carefully reviewed all my available credit card statements and the Goldman Sachs Apple card member and rewards agreement again and first called the bank at XXXX on XX/XX/XXXX at XXXX XXXX ( pacific time ) and spoke with a representative named XXXX who attempted to find the reasoning for the account closure. Even the Goldman Sachs representative, XXXX was baffled and could not find the exact reasoning behind the closure of my account. XXXX stated she would make a notation on my account and submit it for further review. XXXX did not have the resources to help me further other than to forward my inquiry internally to another escalation level. I am not satisfied with the reason for the closure of my account because it is ambiguous and does not clearly state the specific reason of an alleged violation. It only states an ambiguous failure to comply with the card member and/or rewards terms, which is not acceptable. Attached to this complaint are all the copies of my credit card statement since this account was opened. As my account history shows, there is no activity or transaction that constitutes a violation, breach, or failure to comply with the card member and rewards agreement terms. It seems that the bank or the system that the bank utilizes has made the decision to close my account based on an unqualified arbitrary reason that is not specific, lacks a qualified reason and is certainly ambiguous. I have relationships with several other banks and unfortunately, I have never encountered such a situation where only a generalized ambiguous reason is given without any specificity nor have I ever not be given the courtesy of a notice via mail or phone call before an account closure action. This type of conduct has a negative reflection of Goldman Sachs Bank in my view and will affect my decision to ever have a relationship with the bank if I can not get a clarification of the closure reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit card issued by Macy '' XXXX department store and American Express, which I have not used for a year or so. On XXXX XXXX, 2015. I received a statement about a foreign charge in XXXX with foreign charges total {$570.00}. I called the XXXX no. on the card to dispute the charge, after a long wait, I was referred to an XXXX no. which has a recording asking me to send a letter of dispute, which I did by regular mail and later by certified mail. So far I have not received any response from them, I tried to call them again, and this time after long waits I did not get to speak to any real person. Each time I spent a total of 1-2 hours waiting to speak to someone. I think they should send me a letter or call me in response to my letter, and they should have let me speak to someone responsible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: CO
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:
on XX/XX/20 I received an alert from Experian stating that someone has looked at my report a hard inquiry from some small business loan place. I do not own my own business i did not apply for a loan. I have tried contacting the number on the hard inquiry and they transferred to a line that hung up on me. I have tried calling experian and have gotten no where I do not want this on my credit report I did not apply for a loan and if someone is using my info its needs to be stopped before they open up any loans in my name or on my social can someone please help.

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 2020-08-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account back in XX/XX/2019. I signed up for a promotion and was advised that after 5 months I would receive {$100.00} if I referred someone. I referred my Uncle who shares the same last name as me. I never received the referral bonus and I filed a complaint and they advised me that the local bank did not code my account correctly in order to get the bonus. The local bank advised that they are still working on it.

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 2022-01-27
Company: U.S. BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Put a card credit inquiry on my experience credit site. Its not down by me. Its hurts my credit score.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
All of my account balances are XXXX and I have notified the credit bureaus since XX/XX/2019 and they still showing balances incorrectly

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 2020-08-11
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC should be able to be linked to XXXX. PNC is a phenomenal bank with great structure, but this is something that shouldn't even be a problem. I switched banks due to relocation, but now I can't connect my XXXX account to my PNC bank ... ... ..bummer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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:
Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and an identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 5 different unauthorized credit pulls. 
1- Capital One Auto Finance XXXX I can't get anyone in the right department. 
that handles the inquires. I tried several time 2- XXXX XXXX XXXX XXXX I called and they don't know anything about The credit pulls 3XXXX Amps/Route XXXX XXXX XXXX Every time I called I was placed on hold and. 
Nobody picks the phone up. 
XXXX XXXX XXXX XXXX No answer from a personal they keep asking For an account number that I don't have. 
XXXX XXXX mortgage XXXX. XXXX Third party company and there not sure who. 
pulled the report. 

I have also contacted all three credit agency 's and was told to file a complaint here. They wouldn't help me.

Company response to consumer: Closed with explanation