BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the company on XX/XX/2021. I told them that the account was not mine and that I was incarcerated for over 20 years. They told me to file a report and dispute it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A COLLECTION ACCOUNT APPEARING ON MY CREDIT REPORT THAT I DON'T KNOW HOW IT ENDED UP ON MY CREDIT FILE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: ALLY FINANCIAL INC.
State: NJ
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:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft ALLY FINCL Account Number : XXXX This 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 2021-12-21
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/21 I was locked out of my bank account without explanation and the company demanded I send identity documents via email which is not a secure method to unlock my account and allow me to regain access to my funds. I contacted CHIME twice before sending this information over out of desperation, and despite verifying my identity over the phone I was told that nothing can be done to help me and I wouldn't be able to access my funds until I sent the information requested via email. 

It's 4 days before the holidays and this is unacceptable to lock my account and prevent access to roughly $ XXXX in funds. I have a family and without access to my hard-earned money, I have no way of providing for them. 

I have emailed chime numerous times and sent over the requested documentation and I still do not have access to my funds. 

I would like to close this account and get access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting 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:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to complaint about my mortgage, Fay Servicing, aka XXXX XXXX  XXXX, XXXX  as Trustee for XXXX Master XXXX XXXX, c/o XXXX XXXX XXXX attorney for plaintiff, XXXX XXXX XXXX XXXX XXXX. 

Last year in XX/XX/2021 there was a bad winter ice storm with heavy freezing rain in our region that caused a huge tree falling on my house and destroyed it. My family didn't have a place to stay so we went to stay at a shelter for a while. And now, my house had not been rebuild yet because of them. At that same time when my house was destroyed by the huge tree, my mortgage was sold to a new mortgage company called Fay Servicing , LLC. I called to let the new mortgage know about my house was being destroyed by a huge tree and that my family had no place to stay, so they should work things out with me by modify the loan to a lower interest rate and lower the forbearance or other condition that I told them. But they didn't work with me, instead, they put my property in auction. I complainted to the State Attorney office that they shouldn't just forclosed without noticing me and/or they should work with me. I did wrote to ask them to modify the loan or lower the interest rate because it was high interest rate of 5.7 % compared to the current market at that time which was 2 %. They wrote a letter demanding for me to pay them over {$200000.00} in XXXX of XXXX, that's all. No response of any modification of the loan or anything at all. Up until now that they suddenly put us in auction again without any forclosed. There should be step by steps and give a 6 months or more as time frame for a house being forcloed until it can be in auction. But these company did not follow any procedure. They think they have the money and they can just auction whenever they want. That's very bad mortgage service. Also, They don't even care to ask if my daughter who's still in the militaty would interest in buying the property in her name at all. Yeah, they are very bad mortgage service. 

As of now, my house had not been fixed or rebuilt at all because of them. The house was totally damaged and useless. They suddenly put us in auction without any forclosed or not care if there's a house on the property or not. They're asking for a sale of high price totaling {$370000.00}, which we didn't owe them this amount at all. How did they come up with this high price when there was a totally broken and useless house on the land? Even with just the bare land by it self, it won't be this high price at all. They are just very greedy and hungry for money and not caring for me or if there's any house on the land. They are very bad company that should be punish for their wrong doing. They should be charge with big fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pursuant to 18 USC 8, i owe no debt. This company, Wakefield and Associates are violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Park Hill Holdings
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
on XX/XX/22 I applied for housing through XXXX XXXX XXXX  and they instructed me to pay a fee to get a background check completed through Safe Rent Solutions ( Core Logic ). I submitted my fee and consent and within minutes, the agent called me stating that I was denied and will receive an Adverse Action letter. He did not give me a reason and stated that even though they use this companies scoring model, they are not aware of what logic or algorithim they use and they determine who they decide to rent to. I am constantly monitoring my own credit and have perfect rental history, fair credit and a great background. The letter does not provide any information or scoring model on how my denial was determined. Safe Rent Solutions has several complaints and lawsuits pending for reporting inaccurate information and causing renters to be denied fair housing. I do feel that XXXX XXXX XXXX and Safe Rent Solutions are running some sort of scheme and are getting these fees paid and denying numerous actions without proper explanation or factual or accurate reporting.

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 2022-06-12
Company: Capital Management Services, LP
State: GA
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: Problem with personal statement of dispute

Complaint:
I had a CC with XXXX that I paid out completely XX/XX/2020, and it still showing I never made any payments and late payments accruing. I have all the documentation, but will not let me upload docs during dispute. Please advise.

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 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting 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:
the following items were obtained without my knowledge XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Here at bank of America I made a deposit for checking and savings account plan time plus, at XXXX XXXX XXXX XXXX XXXX And all unauthorized transactions action on account and debit cards in was frauded.

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 2023-05-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Business Names : Allstate XXXX  Address : XXXX, IL XXXX Phone : ( XXXX ) XXXX and : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I had no knowledge of the alleged debt I owed until it hit my credit report. I disputed the charger and was working with Allstate only after hearing back from them about filing a XXXX  complaint. As soon as the XXXX  complaint closed I no longer received correspondence or a resolution to this debt. Prior to attempting to resolve the issue above, I was never notified until the arbitrary {$600.00} was on my credit report, dropping me XXXX points. 

Upon investigation, after the damage was done, I was no longer with Allstate Insurance when switching homeowners and was overcharged by Allstate for insurance when the account should have been canceled and closed when going to XXXX XXXX 
.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Weinstein, Karp & Associates, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Constant robo calls. I do not owe or have a debt in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Paypal Holdings, Inc
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On several occasions, I have asked them when is my funds going to be available. I requested that I had bills that needed to be paid. Currently, my phone in off. I am 3 months behind in rent, need my storage unit to be paid, XXXX XXXX renewal. I couldn't pay for my car to be fixed so I had to let it go. Information that I provided on XX/XX/XXXX, I will submit a copy. Today, XX/XX/11, I sent to their email on XXXX. Since my funds on low I was unable to print out those emails to put on PDF 's. I will be evicted at the end of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm writing on the falsified claim that American Express makes against me, its manipulation of the service relationship, and its efforts to obtain unfair advantages and infringe on my consumer 's rights of honest service. 

On XX/XX/XXXX, American Express made the claim that " our attempts to send you an email about your XX/XX/XXXX Billing Statement were unsuccessful ''. The claim was totally fabricated. Ive been receiving countless emails from the company on various dates, before and after XX/XX/XXXX. There had been NO unsuccessful email attempts. American Express representatives confirmed that there was no record of unsuccessful attempts at all ( see attached document : Amex XX/XX/XXXX ). The company could not provide the bounced email message or other proof to support its claim. 

In making the false claim against me, American Express tries to manipulate its service relationship with me and gain unfair advantages at the cost of my consumer rights. The company threatened to unilaterally alter the billing if I do not follow their instructions within ten days ( see attached document : Amex XX/XX/XXXX XXXX. 

And the damage was not just limited to the alternation of billing. On XX/XX/XXXX, I also received message in the American Express online account that my credit limit was lowered because the company unilaterally determined to change it based on my income. I faithfully disclosed my income, and Amex initialized the credit line last year. I have full proof that my numbers were actual and authentic, and my income has increased since last year. Yet, the company determined to arbitrarily alter the service. Its ungrounded and derogatory action caused damage to my credit rating. 

Based on the above, American Express is communicating falsified information to its consumer and tries to gain advantage over its client through fraudulent practices. Such practices, conducted via mail and/or email, constitute a deprivation of honest service. I request investigations into such potential frauds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited at a Capital One ATM a check for {$20000.00} made out to me from the trust fund of my attorneys, drawn on XXXX XXXX XXXX. I was informed at the time that the funds would be available in 3 parts- XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX. This didn't seem particularly unusual, and I made several financial commitments based on these dates. 

I was informed by email the same day that the reason for this delay was " we believe there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. '' This claim of " confidential information '' seemed odd at the time, as the source of funds was a law firm trust fund, hence unlikely to be unpaid. 

All these dates, however, have now passed and although the funds now show in my balance, Capital One has failed to make any of the funds available to me. Calls to Capital One get nowhere, and I am now told that the funds will be available XX/XX/XXXX, with no additional reason given, and that " there is nothing they can do about it. '' I am severely inconvenienced and embarrassed by the fact that Capital One continues to hold onto my funds for 7 days without a specific reason, and has failed to make funds available according to the schedule they originally stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I borrowed the money from bank to pay them off and they took more money from my checking account after they were paid in full. They were paid off on XX/XX/2023 and on XX/XX/2023 they took another payment from my checking account. I made a copy of all of my payments before they locked me out and I called them and asked for a refund of the over payment. They said that it would take a couple of weeks and they would refund the over payment. and I still have'nt received 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 2015-05-15
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are having a very difficult time with nationstar mortgage. We got a loan to refinance an existing loan with nationstar. the payoff request was obtained from Nationstar and good till XX/XX/XXXX. A 3rd party sent the amount, {$14000.00} for payoff. The check was XXXX to Nationstar as the correspondence instructed and delivered on XX/XX/XXXX. I found that on XX/XX/XXXX a payment for {$600.00} was auto drafted from my checking account by Nation star. I logged in my Nationstar account to investigate, 1st I stopped any auto pay from my checking account for future, then I called nationstar customer service XX/XX/XXXX to find out the problem. They adamantly denied having received a payoff check. I was ask to fax them the info of the cashiers check, time, date, and the person that signed for the check at Nationstar. I forwarded the info from my 3rd party payor with my Nationstar account number requesting that this be researched ASAP, This was send XX/XX/XXXX. When I had not received a call from nationstar by XX/XX/XXXX I logged online to review my Nationstar account, still no change, no email, nothing. I made two or three lengthy phone calls to Nationstar XXXX & XX/XX/XXXX and got nowhere. My last call I demanded to speak with a supervisor with Nationstar. She stated she would note that this was looked into. She would put on my account that a representative from my 3rd party had my permission to correspond with Nationstar on my behave anytime in the next 24hrs to try and locate the check for the payoff. I touched bases with my 3rd party and she was to attempt to work on the matter next business day. I checked in with the 3rd party XX/XX/XXXX and after she had made a number of calls we have still not gotten anywhere with this matter. In addition to the complete payoff check there has been XXXX payments of {$600.00} extra taken from my checking account. XXXX that was taken out and sent to another mortgage co. ( XXXX ) that Nationstar had received my loan from. XXXX forwarded the payment to Nationstar. Then XX/XX/XXXX the auto pay was taken out from my account due to the payoff amount not being processed and Nationstar not closing this account. Also I made a regular payment of {$600.00} on time to Nationstar on XX/XX/XXXX. This a very frustrating that not only does this company have a payoff check for over {$14000.00} but there is {$1800.00} of my personal money that should be refunded to me. I have been attempting to correct this serious matter with Nationstar and as of today XX/XX/XXXX have not gotten anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Today in the mail I received an envelope from XXXX inside. The envelope from XXXX wasn't envelope from Chase Bank inside. That envelope was a sapphire reserve Chase credit card with a XXXX credit line. 

I never applied for this card. When I called the number on the back of the card a person was asking me lots of detailed information so I hung up on them thinking maybe the number was fraudulent as well. That's why I'm reaching out to you.

Company response to consumer: Closed with non-monetary relief