BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: AR Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Incorrect billing at doctor 's office in XXXX. Called office and they realized/admitted mistake over the phone ( attempting to charge for two XXXX when I only had one ). I thought it was cleared up until I started getting collections notices from AR Resources for another {$1300.00}. This is when it began to snowball, fueled primarily by AR Resources illegally re-aging my account. What's worse, at some point, they created a duplicate charge on a different date, so it looks like two charges for {$1300.00} ( currently using dates in XXXX to keep the account active ). Billing errors are bad enough -- I never owed this money to begin with -- I should not have to deal with blatant fraud from disreputable collections agencies like AR Resources. While I can not find the original bills or letter, I was able to find a letter from XXXX, proving the accounts have been illegally re-aged. AR Resources is known for their illegal collections activities. This copy-pasted from a law-firm that deals with them frequently : " As of XX/XX/XXXX, the XXXX has closed 125 complaints against AR Resources in the past 3 years, with 42 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 11 complaints also cited problems with customer service. Since XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) has closed 184 complaints involving ARR. Justia lists at least 6 cases of civil litigation involving ARR. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
This is my fourth dispute with Experian requesting removal of a credit inquiry made by XXXX XXXX XXXXXXXX on my credit report that was not authorized. I have reached out to Experian multiple times via certified mail, phone, and CFPB requesting removal and Experian has refused to remove the unauthorized credit inquiry. By law, they are required to verify that it was an authorized inquiry and they reply to my dispute that it was authorized when I know that its not true. I demand Experian to remove this credit inquiry immediately or I will file a law suit and will request monetary relief.

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 2022-06-14
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Multiple unauthorized ATM withdrawals were made From XX/XX/XXXX to XX/XX/XXXX. The bank is making claims that the ATM withdrawals were legitimate because it was done using an ATM card. The bank stated that my PIN was changed from a phone number that is not mine. 
The bank stated that since I did not lose my ATM card they are denying the request to deem the ATM withdrawals unauthorized. The bank believes that just because the card has a chip, that it is not possible that the card can be used unauthorized. 
The bank refused to acknowledge that there were multiple attempts to withdraw large amounts of funds at one time which were denied. The unauthorized person resorted to do 5 daily withdrawals of {$200.00} each. The security protocol in place failed to deny withdrawals that exceeded the max daily amount of {$400.00}. 
After I reported the unauthorized theft on XXXX and after being given the runaround by the customer service, the bank stated to do a Police report, which was done on XXXX. The bank still denied to give credit for the unauthorized withdrawals.

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 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to seek clarification and verification regarding the reported late payment associated with my CAPITAL ONE account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: AMERISAVE MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had an existing loan from XXXX for my primary residence. It was paid on time but after covid hit and my income dropped drastically i had to refinance for a lower monthly payment. A company called Amerisave contacted me and I liked there options which would save me over XXXX XXXX a month pluss lower my interest. I applied and was approved for a loan to refi this home. We closed on this loan on XX/XX/XXXX with the Notary coming to my house and completing the closing documents for the loan. My XXXX and XXXX Payments were included in the pay off. My insurance was changed from XXXX to Amerisave and my payment book was gave to me with my first payment becoming due in XX/XX/XXXX. Loan documents and payment coupons showed me as the Sole borrower on each form. In XX/XX/XXXX I received a call from XXXX about my late payment and my insurance coverage. I explained I had refinance and pay off would be there in a few days. In XXXX my credit report showed 2 missed payments so I called XXXX they advised funding had not yet been received. I called and called Amerisave each time I got put in a Que then transferred to VM. After a week of calling I received a missed call and VM asking me to contact Amerisave regarding my new loan. I called the direct line i was provided and again went to Que and VM. On XX/XX/XXXX I received an email stating my loan was denied even though we had already closed. Amerisave has caused damage to my credit score, placed me in a major financial hardship with three House payments of over XXXX dollars each plus late fees ( XXXX ) being due on XX/XX/XXXX. I am at a point of not sure I can recover from this and could lose my home i love just because I trusted in my contract of closure from amerisave. I feel I have been a victim of a scam with no one to contact or talk to about this loan

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX  Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving calls from XXXX XXXX XXXX on a old payday loan that I do not owe. This has already been reported one other time. Please see my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX ** has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to  a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian indicates that they no longer have a record for my wife or myself and they are indicating that we need to open a new account to be able to THAW our credit. I believe that it is their technical error, but they refuse to do anything about it. It doesn't make sense that this occurs with both of our 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 non-monetary relief
Consumer complaint received 2019-04-02
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fedloan Servicing is the biggest joke of an organization. They have lost or " mishandled '' any of my submitted paperwork. They have miscalculated my income MULTIPLE times even after I spoke with them to fix the problem, they have given my misleading/false information about everytime Ive called them, and they dont seem to comprehend law enforcement income. I have spoke to Fedloan Servicing about how overtimes and details are not guaranteed money and can not be reflected when determing a new year 's loan payment. I have spoken with them plenty of times how I am not guaranteed to make said money and how I base my payments on my base pay. Every time I explained to them said information, it goes right over their head. And when I ask to recalculate they tell me my loan may suffer more interest payments because of it, and in turn my credit will be effected. How this organization is so daft is beyond me. I am being penalized by doing the right thing and being honest? This is absolutely unfair and so unprofessional. I tried signing up for income driven, public worker student loans and theyve " mishandled '' my paper ( aka lost it ) twice already. How can I trust them? Short answer I cant. They are stealing my money and pretending theyre blind with incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
More than 16 million accounts at Wells Fargo were subject to their illegal practices, including misapplied payments, wrongful foreclosures, and incorrect fees and interest charges,

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 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was in over draft status and was charged fees each month. From XXXX XXXX-until now. The original amount overdrawn was XXXX, the bank is now saying that I owed XXXX and took that whole amount from my stimulus check which was sent to that checking account with Capital One. They had not made any attempts to help me back in XXXX when my account was overdrawn I was told that the account would close if I did not pay the money back. I let the customer service rep know that I lost my job due to Covid and was not able to pay them at that moment because I wasn't working NOR was I receiving unemployment like others were. They wrote my account off as a " charge off '' and not only will they receive funds for writing my account off they got an extra {$600.00} from my stimulus check. I asked for help back in XX/XX/2020 and did not receive any word from this bank. Banks should not be allowed to withhold or take any portion of stimulus money. Americans are struggling to keep food on their tables and keeping roofs over their heads, never mind trying to pay a debt off in the middle of a pandemic. There are many ways that Capital One could have helped for example : TEMPORARLY XXXX  out the negative debt so the consumers can get their money, or take off any fees other than the original amount that was over drafted. They took my stimulus check with no remorse and or means to help. Banks and overdraft fees need to be included in these aid packages and laws. Banks do not care if you've lost your job, can't eat, or have any where to live as long as they get their money back. I don't see how this is even legal when there are laws preventing child support to take stimulus checks. Debt collectors and banks need to be included as well. It's insane how much money banks make off of overdraft fees ALONE! I'm not asking for a hand out from the bank, I'm asking these human beings to have compassion on other human beings. I've banked with Capital One well over 7 years and haven't had any problems until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The bank did not follow banking regulations. They haven't sent a mortgage bill in over four years to someone who has passed away and I made a mistake and purchased a property with a mortgage. 

My mistake is the bigger mistake so I'll end up losing the property in foreclosure but the person who passed away had owned the property for over 50 years and there was no bill, so being careless and not getting a proper title search is understandable. 

I'm fine with losing the property, it was only {$7000.00} so it is not a huge loss but it would be great if a regulator could look at the bank 's business processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fees on 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 2018-03-28
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS had misapplied a payment for XX/XX/XXXX. Because of this they put funds in a suspended account. Beginning in XX/XX/XXXXthey began reporting to credit bureaus that the mortgage was in late payments. I've made several calls trying to clear this issue up. After speaking with different Representatives on different occasions it was determined that the funds that are in suspend we're being held because they did not apply from the XX/XX/XXXX payment. I have emailed copies of my bank statements showing that the payments were drawn in timely matters for each month of the remaining year of XX/XX/XXXXand the beginning of XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX named XXXX that refuse to take my situation up further to a supervisor or remedy the problem that clearly exist. In fact, he told me to fill out a complaint with CFPB instead of actually dealing with the situation and correcting it. I find this in extremely unethical way of dealing with a situation with a consumer. In addition, the email with attachments showing my bank statements has not been opened 5 to 7 days after it was sent to SLS. When I asked why my email has not been open and reviewed I was giving the fact that they were too busy to process the emails. Within an hour after my contact in discussion I received a call from another department at SLS telling me that my current XX/XX/XXXX payment is late. My bank statement shows that payment was withdrawn from my account on XX/XX/XXXX. I am receiving calls monthly that harass this situation to the point that I just ignore them. In addition to reporting late payments, that are not late to the credit bureaus, they are adding late fees over and above what should be assign because the loan payment is not late.

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 2021-01-11
Company: EQUIFAX, INC.
State: GA
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TD BANK US HOLDING COMPANY
State: PA
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:
I received my credit report in the mail and notice this account on my credit report is incorrect. I then mail them a certified letter asking them to send me documents to Show I owe the money they say I owe. All they sent me was a letter saying my account has been verified with out showing me any paperwork stating this, I sent another certified letter asking them for Proof and I still havent received anything. This account is incorrect on my credit report and its hurting me. They are not responding or sending me what I ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo Bank XXXX. has continuously violated my consumer rights laws but practicing unfair debt collection practices. They have sent statements that include predatory lending language by giving me deadlines in which I must make payments. Wells Fargo has violated multiple federal laws over my time as a creditor with this company. 

On XX/XX/21 and XX/XX/21 I received a statements that violated my consumer rights laws. 

In response, I sent over a debt validation letter requesting for XXXX to validate the debts stated, an affidavit of truth which reported the violation of my federal laws, 4 exhibits of violations, and an invoice for the number of violations found in each statement.

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 2023-11-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 XXXX unauthorized withdrawal of {$190.00} from my business account with Citizens bank.I had Citizens bank put a block on this XXXX 9 months before that date according to their records. But at the time I was to late to get my money refunded I would have to pay {$90.00} additional to block further. Because of this i received {$120.00} overdraft fees. I disputed it with Citizens bank. And they deactivated my account and sent me to collections. For $ XXXX {$370.00} depends on how calls my business phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection for a medical charge of {$340.00}. Statement saying, I owe that amount since XX/XX/XXXX when I had a car XXXX. I had no previous knowledge of the billing amount I owe from these said providers until I got the notice in the mail on XX/XX/XXXX. 2 years later. 

I Called my insurance about the billing notice, stated there is no notice of bill statement sent to them from " XXXX XXXX XXXX '' which they would've covered since I have a FEDERAL XXXX XXXX XXXX XXXX plan. 

On top of that, my car insurance had XXXX coverage of health which they too did not received the bill to cover. 

This violates the No Surprise Billing Act of AZ.

Company response to consumer: Closed with explanation