BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-06
Company: Monterey Financial Services LLC
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX a ads online stating that they are a model agency, looking for modeler. I contacted them and they told me to take my daughter for a photo shoot. After the photo shoot they took us to a private room and sold us a dream, about getting my XXXX yrs daughter in the modeling industry, to model for brand such as XXXX, XXXX XXXXXXXX etc. We got excited and took their {$4000.00} dollar package. At the time i paid XXXX upfront and signed a receipt, and paid the rest within the course of 4 months. The sale representive XXXX XXXX told me that they would mail out all physical goods along with a port folio, XXXX card and contract with all the necessary stuff a newly modeler requires. After i finished paid i contacted XXXX for my shipping tracking information they told me that all the goods will be send digital because of covid they have changed their policy. I told the representative that i paid for physical goods and that I'm awaiting for my goods in the mail. I gave them up to XXXX week nothing came in the mail. I called them and requested a refund they refused and disconnected the phone calls, i called numerous of times no one pick up the phone. I contacted my bank XXXX XXXXXXXX and explained to them what happened and they reversed the transaction and labeled it as fraud. This company is a scam with a lot of bad reviews, i reported this company to the FTC. I never signed a contract with this company. I signed a receipt when i made the payment, and they took my signature and pasted it on a contract. If a consumer signed their signature, it won't reflect in the same form. Every time a person writes, it will look different. If you look on their contract that they have sent to the credit bureau my signature is the same on every page. Its not accurate they copy amd paste my signature on all their forms, it fraud to paste someone signature on a contract without their consent. I never received any calls from Monterey Collection services to verify my information. I did not gave XXXX XXXX / monterey collection my social security number. I want to know how did they access my social security without my consent. At the time of payment i used my debit card ending in XXXX. I reached out to XXXX XXXX XXXX numerous of time to disputed monterey collection off my credit report and they did nothing about the matter. XXXX deleted monterey off my credit report. XXXX are the only bureau allowing monterey to ruined my credit. XXXX XXXX XXXX has a high rate of scam complaints XXXX XXXX XXXX XXXX  every review on XXXX is stating that the company is a scam, they need to get shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Theres bankruptcy showing on my mortgage credit report, i never filed bankruptcy on my mortgage and i asked them to remove but they told me they cant because of Fair credit act! 
My current mortgage is Freedom Mortgage

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 2024-01-29
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled an account on XXXX XXXX For {$430.00} of {$510.00} paid off.the same day they reported to XXXX and XXXX of a {$77.00} balance. Im trying to get a home loan, and there actions is hindering me from getting the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had reviewed my credit report and seen a insurance bill owed that's not mine

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
IT WAS STOLEN MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH BARCLAYS BANK DELAWARE, FRAUDULENT ACCOUNT WITH THOSE CARDS.

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 2024-01-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
SUBJECT : Follow-on Complaint to CFPB Complaint # XXXX. 
# XXXX was closed in error, in consideration of BMO Alto 's failure to release all Funds owed to Customer. 
COMPANY : BMO Alto, a trademark of BMO Bank N.A., XXXX, XXXX ACCOUNT TYPE : Savings, toward opening a CD XXXX : BMO Alto refused to release information to Customer. Customer has demanded, but to-date BMO Alto has failed to : 1/ Immediately transfer the total of all interest earned by Consumer 's funds to Consumer 's Institution of-origin : " All in Credit Union '' 2/ Provide e-Mail notice to Consumer of the amount of interest earned by Consumer 's funds per IRS requirements : -- During XXXX XXXX During XXXX 3/ Notify Consumer, within a timely manner, that Consumer 's BMO Alto account ( s ) is/are finally Closed.

4/ Provide correct information in its response to Consumer 's original Complaint # XXXX. 
5/ Return {$31.00} Fee the Company removed from Consumer 's attempted Wire transfer funds, then Company denied -- toward returning {$31.00} to the originating Institution.

Thank you for your continued interest toward amicable, final Resolution.

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 2024-02-06
Company: WELLS FARGO & COMPANY
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a vehicle in XXXX and got a loan through Wells Fargo. I was living in XXXX at the time. I later moved to XXXX XXXX and re registered the car there. The loan was paid off around XXXX. Wells Fargo has clouded the title to my vehicle ever since then. I have asked them to electronically release the title with XXXX on several occasions but they refuse to. They then provided me with a lien release. XXXX  will not accept this as the title must be release electronically. I have called Wells Fargo several times. They keep stating that XXXX XXXX said that XXXX just needs to transfer title to XXXX XXXX. XXXXXXXX will not do that as they need the lien released electronically. I sold the vehicle not realizing all of this. The new Buyer wants to register it in XXXX  and can not do so without the lien released from the title. I have now had to repay {$1000.00} to the Buyer of my vehicle because of Wells Fargo 's refusal to release a lien that I paid off over 10 years ago and have proof of payoff for. They are holding my vehicle hostage.

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 2024-01-07
Company: Asset Maximization Group, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam. 

XXXX XXXX XXXX has put a collection on our credit report for a service that they did not provide. 

We went to this facility to measure my daughter for contact lenses. They gave us a prescription that turned out to be incomplete and tried to charge us for the service. 

When we went to purchase the contact lenses from the store we were informed that the prescription was for a regular eye exam and did not contain the contact lens measurements required to order contact lenses. 

When we went back to the facility they told us they can't measure for contact lenses. We only went to the facility because of the contact lens measurements and stated as much in the beginning. If they had let us know they could not provide the full service, we would have never agreed to an exam. 

We ended up having to go to another facility and pay for proper contact lens measurements. 

Address of Physician XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, New York XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was scammed in XXXX of 2023 I made a report as soon as I noticed I was scammed. I was at a party and my phone, SS card, bank card, and credit cards were stolen. I got home logged into my bank account and saw XXXX {$500.00} charges I called the bank immediately as soon as I saw these unknown charges. When calling the rep stated it would be best to close my account and make a new one I said ok. A few days later Bank of America XXXX all of my accounts. I was going to the XXXX branch located at XXXX XXXX XXXX XXXX, CT to open new accounts such as a checking and savings I was told because of the banks decision I could not open new accounts. I then called XXXX and Closure and I was told I could not open new accounts for XXXX years or possibly I could never have another account with Bank Of America I have a MAJOR PROBLEM with this I WAS THE ONE WHO WAS SCAMMED IM THE VICTIM AND I CAN NOT HAVE AN ACCOUNT WITH WITH BANK OF AMERICA I feel this is cruel and incorrect please advise on what can be done to fix this. I ALSO WANT TO KNOW WHAT CAN BE DONE ABOUT ME RECEIVING THE {$1000.00} I was scammed out of by XXXX payment. Please email or contact me by phone on how this can be resolved. I would keep contacting by phone however reps are not clear on what I can do or what can be done about this situation.

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 2023-12-01
Company: DOLLAR MUTUAL BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 i open a checking and savings account at Dollar Bank in person with my ID at the XXXXXXXX XXXX location. Opened with {$50.00} cash. On XX/XX/2023 my account is closed by a XXXX at the XXXX, XXXX  operations facility in the XXXX XXXX because my residence isn't close to a branch. I swear these banks, just get goofier and goofier by the minute with stupid closure reasons that amount to nothing but XXXX. I really planned on using this account because of all the features this bank had to offer. Good thing i didnt set up my direct deposit. You're online website application does not restrict or prohibit account opening with my zip code. I was told long as i resided in XXXX XXXX, and or XXXX i could open an account. Therefore, someone's full of XXXX and i'm demanding the accounts be re-opened before i have an internal investigation opened up with your regulators that govern you to determine if your organization is behind any corrupt, discriminating and derogatory illegal activities. When applying online if you type in a zip code outside of the XXXX states you operate A copy of this is also being fowarded to the Consumer Financial Protection Bureau. 

XX/XX/2023 : called Dollar Bank and was lied to about reason for account closure. XXXX specified now that it was because of to many inquiries. Them are legit valid inquiries, no fraud or ill intent never took place and part of the reason for the inquiries were banks invited me to open an account and even though my charge off from XXXX XXXX was paid they wouldn't open it. Most banks will accept the paid closures such as you guys did. But the inquiries were due to trying to open an account and being declined because XXXX XXXX wasnt fully removed but did show paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Credit Karma, LLC
State: CO
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:
Trough Credit Karma ( creditkarma.com ) they offer a variety of services on of them it's auto loans they offered me one option XXXX XXXX XXXX which when you go to their website it say 's it's a PRE-QUALIFICATION turns out XXXX XXXX XXXX doesn't give any kinds of loans or prequalifcation they send my personal private information to a XXXX dealership here in Colorado XXXX and XXXX without even speaking to me because I never replied to them I even replied STOP to their text messages They RAN A HARD PULL CREDIT CHECK ON ME THAT I NEVER AUTHORIZED I contacted Auto Credit Express they bounce me to Auto XXXX XXXX I contacted XXXX XXXX after many calls and over 2 weeks they finally replied back to me telling me to go to XXXX  XXXX XXXX This is ILEGAL I DIDN'T Authorize it and they ran a HARD PULL I Demand this to be corrected! and propper action taken against this people Companies involved Credit Karma , XXXX XXXX XXXX and XXXX XXXX in Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I mailed to Experian a notice of dispute to reinvestigate multiple inaccurate accounts that Experian failed to previously investigate and correct on XX/XX/2023. Experian did not abide by 15 USC 1681d either. It has now been 2 weeks since Experian has held on to my dispute letter, and nothing has gone into investigation or have undergone the disputing process. I am aware that under the Fair Credit Reporting Act there is a certain period of time the CRAs have to do an investigative dispute when put on notice per 15 USC 1681i ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Experian have been negligent, and it is affecting my livelihood as a result.

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 2024-02-05
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I have a {$10000.00} in a CD at US BANK that rolled over without my taking any action. Because I happened to miss one email, the CD changed from 5 % to the lowest possible rate the bank could give, which is .05 %. If I wishes to change, I have to pay a {$100.00} penalty plus another {$25.00}. This is simply taking advantage of consumers. It may be legal, but losing XXXX of dollars of interest because you missed one email seems simply unethical. I can't believe this is legal, to take advantage of people like this. It is too late for her but is there anything that can be done to protect consumers from being ripped off like this?

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 2024-01-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I departed a rental unit early and was guaranteed that if the unit was filled within 7 days no penalty would be incurred. The unit was rented in 5 days and the penalty amount was removed. This occurred in XXXX XXXX XXXX. Nearly 3 years later I began receiving collection notices from a collection agency for this cleared debt. Its been over 3 years since this issue was resolved and, furthermore, the statute of limitations for MD ( 3 years ) has passed. Neither the collection agency or original debtor, XXXX XXXX XXXX, XXXX, were able to provide proof 3 years later that the debt is still valid. Since so much time has passed I no longer have any documentation regarding this matter.

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 2024-01-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CD account XXXX matured XX/XX/XXXX. Called BMO Harris customer service XX/XX/XXXX ( XXXX XXXX to close account. Reference number XXXX. Notified account would be closed in XXXX days and check would be issued in XXXX business days. 

CD account XXXX matured XX/XX/XXXX. Called BMO Harris customer service XX/XX/XXXX ( XXXX ) to close account. Reference number XXXX. Notified account would be closed in XXXX days and check would be issued in XXXX business days. Notified XXXX that I have not received the first check and can he find out the status. No updates available. 

Every other bank institution that I have dealt with have sent the funds electronically with XXXX business days.

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 2023-11-29
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is now the 5th police report I have had to file due to my identity being stolen in multiple cities in Georgia. Somewhere between the last few years, someone in Georgia was using my Social Security information to apply for, and open, lines of credit in my name. They were traveling to different apartment complexes who would eventually send their missed payments off to collections agencies. These credit accounts turned into collections accounts without my knowledge of their existence and ended up showing up on my credit reports. I have filed multiple police reports in an effort to have these false collections removed from my credit reports and yet they keep showing up. I have never lived in/nor traveled through Georgia in an attempt to find an apartment or to apply for lines of credit. The most recent apartment complex to add to my list was XXXX at XXXX, who eventually sent off collections to Genesis Credit Management in XXXX WA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. XXXX XXXX XXXX was included in the bankruptcy. They have now in the month of XX/XX/XXXX added the debt back to my credit report. They are aware that the account they have from XXXX at XXXX was discharged. They then attempted to pass the debt to my son. They are stating that he was a co applicant. However, he was a minor at the time. He was not of age to be on the lease. I have advised this debt collecting agency of this several times. Now they have added this account back to my credit file. At this point, I will seek legal action because this is causing emotional distress. I will definitely be reporting to the bankruptcy court of their continued attempts to still collect a debt that was discharged in federal bankruptcy. This lease was never a co- applicant lease. He was a XXXX  living with his mother. I have been more than patient with XXXX 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 non-monetary relief
Consumer complaint received 2024-01-31
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit reports I discovered an account from Eastern Account System Inc. I have disputed these accounts several times with the credit reporting agencies and has gotten no resolution. So, I decided to dispute directly with the company who reported this information. I sent a letter requesting validation of debt for Account # XXXX via certified mail on XX/XX/year>. USPS Tracking states it was delivered and signed for on XX/XX/year>. I have given Eastern Account systems Inc over XXXX  days to response and they have not. I wanted this information removed from my consumer report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation