BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023, I filed the attached complaint against both XXXX XXXX XXXXXXXX and their representing counsel, Andreau, Palma, and Lanvin. XXXX XXXX XXXXXXXX responded that since this was in litigation, it was to be addressed with their firm. In response to the complaint filed, their firm filed a prompt response with the CFPB and on or near XXXX XXXX, sent me what I presume to be a proposed court order ( attached ). My assumption is the attached proposed court order was to satisfy the original complaint that this firm was inappropriately delaying my case. As illustrated in the attachment, XXXX XXXX XXXXXXXX firm vehemently denied that allegation. 

However, on or near XX/XX/2023, I received notification from XXXX XXXX  XXXX attorneys that they were responding to a Failure to Prosecute ( attached ) initiated by the State of Florida, for time languishing between court events. 
The above-mentioned proposed order, sent to both my employer ( garnishee ) and myself, WAS NOT sent to the court. No effectual activity was done to proceed with my case and now, further time has languished. A reasonable person would question the intention behind this mismanagement of court documents. One paper delivered erroneously is understandable, this makes two documents I have received that the court has not. 

At this time of record inflation, surging fuel charges, and Florida energy increases of 20 %, I am unable to navigate the inconsistencies of this case that surely do not follow Florida law. For a year, I have had no ability to intervene and discuss the financial hardship this has and is creating. When I received the proposed court order, I was relieved because this would give me the opportunity to present an appeal. Though I would be out further funds to defend my case, this would be a path forward to correcting and alleviating a dire situation these errors continue to create. 

To date, I have not seen any activity with the proposed order. This judgement will be fully satisfied in approximately one week. I have been rendered completely defenseless. Surely this is an abuse of debt collection practices, at minimum. In addition to financial hardships created by circumventing the judicial process, I have battled severe bouts of anxiety for the past year and, especially, the last few months with increases in all living expenses, I have been unsure how my family could survive. 

XXXX XXXX XXXXXXXX has been sited before for improper garnishment techniques and I ask the CFPB to review these facts and documents and see that this is continued garnishment abuse by this bank, carried out by their firm, and endured by me. I truly hope that no other consumer is expected to endure a collection process like mine. This has required unspeakable mental fortitude that the bank has no compassion and accountability for, which is a shameful business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: WELLS FARGO & COMPANY
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A paid off credit card still in my credit report and the company does not remove 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 non-monetary relief
Consumer complaint received 2019-07-26
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have contacted company about debt owed they use trick questions in the financial assistance department. I am will to pay on account I was asking for some extended or tack behind on end of loan or pay interested to get account caught up. I was willing to pay one full payment. However the Financial assistance department asked me a series of questions to see if I qualify. If you answer and say yes you cant afford your payment they tell you that you do not qualify for financial assistance. But they are trick questions. I am just trying to get my credit back on track and get the account caught up. Ive also called me Sunday before XXXX XXXX. the times for Sunday cause I thought it was XXXX to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been receiving emails about a Brooks Brothers credit card account which I have not opened

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 2023-09-17
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX online for debt removal. I filed a pslf waiver and a debt removal form earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX # 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 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 2019-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
Derogatory remark on XXXX report. 
Collection Agency : Portfolio Recovery Original Creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/2014 Amount : {$1500.00} I have disputed this with XXXX, but it continues to stay on my credit report. This is not my account. I have never had an account with the above company and wish for it to be removed from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi! 

A friend of mine borrowed {$100.00} from me last month. He asked me for my account number to make a deposit so I gave to him ... .this morning Tuesday, XX/XX/2019 he told me he made the deposit and he text me the receipt with my account balance. I would like to know why my bank Huntington Bank disclosed my information with him which he is not an authorized person. Im very mad, frustrated if I knew this I would never gave him or anyone my account # or my information. Where are my rights? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
THIS IS NOT A THIRD PARTY ADMINISTRATOR SUBMITTING THIS CLAIM ON MY BEHALF. I AM SUBMITTING IT MYSELF.

I am submitting this as a new complaint at the recommendation of one of your phone reps this morning. 
On XX/XX/XXXX, I submitted Case # XXXX, an ongoing dispute with Citibank regarding an unauthorized charge to my account. I have attached a copy of my initial complaint below. The CFPB received a response from Citi stating that they need authorization from me to proceed with my complaint and as a result the CFPB closed the complaint. I received a response directly from Citibank dated XX/XX/XXXX via email stating that they did not receive a response from me to a letter from them dated XX/XX/XXXX and because of that they were unable to proceed. ( I have attached a copy of the letter dated XX/XX/XXXX. ) With all due respect that simply is not true. I responded to their letter via email on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Citi, requesting that I resend the information that I sent on XXXX because my letter was " damaged or separated during processing. '' It was further requested that the information be returned by XX/XX/XXXX. I resent the information on XX/XX/XXXX by email via two separate documents because the file was quite large. I also sent the file via certified mail, return receipt requested. I have verification from the Post Office that the parcel was picked up at XXXXXXXX XXXX on XX/XX/XXXX. Citibank further states in their XX/XX/XXXX letter that the merchant claims that I agreed to the their terms and conditions which is also not true. The merchant never discussed the charge with me that I am disputing. I have made numerous calls throughout this process to Citibank to try to ascertain the status of my complaint and quite frankly have just gotten the run around. Now they say it is too late for them to do anything. 
I would appreciate anything the CFPB can do to help me regarding this very frustrating issue.

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 2022-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Wednesday, XX/XX/2022, I received a text message from the Bank of America fraud protection team asking if I authorized a {$460.00} charge to XXXX XXXX. I did not authorize this so I replied no. I checked my bank account and XXXX account and there was no purchase or money withdrawn. I went to XXXX and looked up the bank of America and check the back of my card and called the #. I called it. I believe the number was spoofed. I was asked to transfer money by XXXX from my checking to myself ( my email address ) as a refund for {$2700.00} and it happened again for {$800.00} making it a total of {$3500.00}. I went to the Bank of America XXXX in XXXX XXXX, Md to ask if this was a fraud and how could I call their phone number, and it was a fraud. They told me it happen before. I made a formal complaint/claim with the Bank of XXXX XXXX I received an email from XXXX XXXX that a bank transfer to my email address and account. I don't have an account with 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 monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX account # XXXX date opened are different from transunion then XXXX transunion date opened is XX/XX/XXXX XXXX  date opened is XX/XX/XXXX date of last active is different from transunion then XXXX transunion date of last active is XX/XX/XXXX XXXX date of last active is XX/XX/XXXX delete this account for multiply inaccuracies.

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 2022-04-16
Company: EQUIFAX, INC.
State: IL
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 XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights to privacy. 

15 U.SC 1681 Section 604 A. States I have rights 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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights to privacy. 

15 U.SC 1681 Section 604 A. States I have rights 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 2016-09-03
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX I received a letter from Fay Servicing informing us that they had acquired our loan from XXXX XXXX XXXX ( loan # XXXX ). 
The letter advised us that the first payment was due XXXX/XXXX/XXXX in the amount of {$1500.00}. Our payment had already been made in the amount of {$1500.00} which has been our payment since the loan was modified XXXX/XXXX/XXXX, never missing a payment and never late. 
I was assigned a contact manager with Fay Servicing by the name of XXXX XXXX. Phone # XXXX XXXX XXXX, email XXXXXXXXXXXX. I immediately contacted him by phone and fax as his email came back as undeliverable. 
I explained to him that our payment had been sent and received in the amount of {$1500.00} and asked why the increase in the payment. He told me it could be due to insufficient escrow. I advised him that our escrow payment was {$5900.00} per year and that our actual escrow amount was less than the paid amount. He suggested that I pay the difference of {$40.00} which I did ( confirmation # XXXX ) on XXXX/XXXX/XXXX. 
Our payment of {$1500.00} was returned to our bank on XXXX/XXXX/XXXX due to an invalid account number after receiving and processing our XXXX/XXXX/XXXX payment. 
Fay Servicing mortgage statement of XXXX/XXXX/XXXX shows payment of {$1500.00} was received but in " suspense ''. 
At this point we are not sure how much our payment is or if we are past due so we made a phone payment XXXX/XXXX/XXXX of {$1500.00}, tracking # XXXX. 
XXXX XXXX has suggested we ask for an escrow analysis which will take 30 to 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt.

I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt.

Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing.

I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. 
On another note the amount of {$64.00} is

such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive.

I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system.

my contact number is XXXX should you need any further verification. 
The name of the collection agency is " COLUMBIA DEBT RECOVERY '' and their contact number is : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed fraudulent information. It has not been removed and the consumer reporting agency is in direct violation of FCRA 605 CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agency immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless

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 2023-09-16
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a claim for {$240.00} because I was searching for a health insurance through Obamacare And the website that I completed that purchase for said they worked with Obamacare because it was on the website. The website is obamacareplans.com I got in touch with claims assistance because I got a note saying I needed to provide more information. I provided everything I knew. I was misled and pressured by these people and I did not, in fact, authorize this. I failed to get the services I wanted and was misled. I explained this to Wells Fargo claims assistance. I made this phone call on XX/XX/XXXX of 2023, after I got my second note saying I needed to provide more information before the resolution and I did. I got a note on XX/XX/2023, stating that I did not to provide information that they requested from me when I in fact did and I have proof. I want them to go back on their call logs and review the recorded conversation I had with the claims assistance center.

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 2023-09-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX sold my private information to this third part collection agency. This company emails me frequently through out the day and the use very harsh language with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Williams & Fudge, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with the XXXX and XXXX in XXXX and requested information about repayment options to be sent via email. They confirmed my email address but never sent options. Instead they called and harassed multiple family members and called multiple times in order to contact me. When I requested the other numbers be removed from my account they did not honor the request and said they must keep those numbers on file and they are in their rights to call multiple times in the day and call multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened a checking account with Community Bank N. A. ( {$50.00} deposit ) about 1 year ago. A month or so after opening I tried to close it because they charge a monthly service fee. They said I could not close the account because I had a balance. So I just let it sit. I decided a month ago to withdraw the {$50.00} I had in the account and went online and had the bank send me a {$50.00} check, which I received and cashed. That is when things send bad. They bounced the check and charges a XXXX $ fee then they began charging XXXX $ a day for my account being behind. This is not fair and I want it stopped and the charges dropped. I an attaching the statements I copied from the bank..

Company response to consumer: Closed with monetary relief