BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding has been calling me using automated dial services. They call me from numbers that appear on my caller ID as " Unknown Name ''. They never leave a message and call constantly.I have asked them to stop harassing me but the automated service does not seem to take this request. Midland has also misreported my account information which shows the same account duplicated but with slightly different amounts owed, account number and dates. I have asked them to review but they will not correct this issue. The account numbers are always blocked or unavailable. I have disputed this with credit reporting agencies to no avail. The original creditor was XXXX XXXX. I only had one XXXX XXXX account open at the time of this debt being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: CMRE Financial Services, Inc.
State: CA
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:
RE : INTENT TO SUE DUE TO IDENTITY THEFT & FRAUD DELETION FAILURE This is my final intent to resolve this matter once and for all before embarking on filing a lawsuit against you. Let be crystal clear that I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. 

For yet another FINAL CHANCE, Please REMOVE this information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.CMRE. XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.CMRE. XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am willing to file a lawsuit against you for : Violation # 1 ( reporting inaccurate information to Credit Bureaus, violation of California Credit Reporting Act ) Violation # 2 : Failure to provide notice of late payment insertion as required by California Credit Reporting Act.

Violation # 3 : Failure to stop the reporting of fraudulent accounts after being presented with proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: CO
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: Investigation took more than 30 days

Complaint:
ALL CREDIT BUREAU 'S KEEP ADDING THE SAME NEGATIVE ACCOUNT TO MY CREDIT REPORT EVERY YEAR FOR THE PAST 5 YEARS. XXXX IS NOT OWED ANYTHING!! I HAVE SUPPLIED THE INFORMATION FOR LETTER TO VALIDATE AND FAILURE TO DO THIS AND THEY KEEP ADDIN G IT BACK TO MY CREDIT FILED, AND IT HAS BEEN ADDED WITH 4 DIFFERENT COLLECTION AGENCIES AND 2 ANOTHER.

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 2018-12-04
Company: Experian Information Solutions Inc.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Contacted the company and credit bureaus regarding reporting issues.

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 2021-06-21
Company: AXOS FINANCIAL, INC.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I submitted a transfer request from my Axos Bank XXXX XXXX accounts to my personal checking account. The amount of the transfer at that time was {$890.00}. Since then the value of the account in question has risen to just over {$900.00}. Regardless, I've been waiting on my money for over a month and even according to their own agents the transfer shouldn't take longer than 5 days. After several attempts to reach someone at Axos bank, I spoke with an agent named XXXX XXXX at Axos bank on XX/XX/2021 and was told that he would follow-up on the matter and re-adjust the transfer request to cover the increased value of the account since making the request and would follow-up with me. I've since called back 5 times and can not get through to anyone who is able to help and no one is returning my calls. I would have no need to call if they simply gave me my money which has been a pending request for over a month. 

This bank - which bought out the bank that was originally the custodian of my account has caused nothing but problems since its take over. The services have gone down hill drastically ( and the predecessor bank was a small operation ) the reporting is awful and the website they've chosen to replace the preexisting website is full of inaccuracies -- which is obviously no way for a bank to operate. Please help. This has gone on far too long. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have reported to the company that I no longer have access to my online dashboard of account that shows the progress I'm making in paying off this debt. 

There has been no response after two emails. Emails are the only way I can seem to contact them as there is no phone number on their website. 

This is causing me terrible XXXX  because I'm afraid I've been schemed out of my car title AND I'm paying them {$890.00} each month but I receive no monthly statements or online access. 

I have emailed them at customerservice@upgrade.com and at contact@upgrade.com. I receive a canned response that " we've received your email and we'll get back to you within 3-5 days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF THE WEST
State: AZ
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:
Bank of the West XXXX XXXX XXXX Acct No. XXXX Payed off XX/XX/2021 Amount overpaid {$460.00}, XX/XX/2021 XX/XX/2021, Personally visited bank. Confirmed address and were told a check would be sent. 
XX/XX/2021 Via phone confirmed check was mailed. Address they used was in question so we were told that they would reissue check. 
XX/XX/2021, XX/XX/2021 and XX/XX/2021. Confirmed details said they would mail. 
XX/XX/2021, called again seems the results are always the same. Address was wrong AGAIN, and we confirmed address once again. 
We still have not received the money.

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 2021-08-05
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: Account information incorrect

Complaint:
The car that I had was in a car accident. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I advised Transunion that I was a victim of the inquiry issue and I want to dispute a inquiry in question ; Account Name : Certified Mortgage P via Certified Credit Reporting Address:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Phone number : XXXX Requested on XX/XX/2017 The agent advised that she could not help me. 

I would like the inquiry in question verified and deleted promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The car that I had was in a car XXXX. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.

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 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has responded that it is still working on your issue. 
We expect companies to respond to every complaint within a reasonable amount of time. The company has responded that it is still working on your issue. You should hear from them again with a final response within 60 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE No one has contacted me COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE I am still waiting a responded from the company but I still facing the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Amsher Collection Services, Inc.
State: DC
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/19 I submitted a complaint relative to Amsher Collections Services ( hereinafter " Amsher '' ) a debt collector, relative to attempts to collect a debt not owed. On XX/XX/XXXX, AmSher provided a response indicating that AmSher requested validation and billing statements from the client XXXX XXXX XXXX. On XX/XX/19, AmSher provided a follow-up response advising that their client XXXX provided validation information that the claim was unsubstantiated. However, upon review of the documents provided, the documents do not validate the information by XXXX, rather XXXX merely provided four bills for services in my namebills that I have and continue to maintain were opened as the result of fraud. The existence of the bills in my name do not validate specific information supporting the authorization of the accounts. If XXXX can not validate that I expressly authorized the opening of these accounts, then I must be absolved from further liability and they must be removed from my credit reports immediately. To date, the AmerSher collection account remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called the company on XX/XX/XXXX about my car loan that was bought in XX/XX/XXXX and asked about payments, and asked why my principal balance only dropped around {$800.00} in 2 years, I have paid over {$9400.00} to them and I still owe almost what I financed. The service rep tried to tell me that if payment was due on the XXXX  and I did not make the payment till the XXXX or XXXX that all the payment went to interest. I don't understand how the are figuring this out, because most companies have a 5-7 day grace period. I need better understanding of how this works..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to send {$1500.00} from a Western Union agent in our local XXXX grocery story in XXXX, Florida, to our son in XXXX, PA. When the WU agent submitted the transaction, she received a message on her computer screen stating that WU had placed the transaction on hold, and that we needed to call WU, using a 1-800 phone number, which we did. After 30 minutes on hold, a nearly unintelligible WU agent came on the line and began asking numerous questions, some of which she should have been able to answer by simply looking at the details of the transaction in front of her! Ultimately, the transaction was cancelled, and our money was refunded, but the agent would not tell us why the transaction was cancelled, instead referring us to the terms and conditions printed on the receipt. I have sent money before using WU, and nothing has changed since then in terms of source and destination, sender and receiver, and the amounts, so I am confused as to why this transaction would be refused. If there is something that WU has changed because of action by the CFPB, my next contact will be with my Congressmen to ask for the CFPB to be disbanded! 

By the way : I went to the nearest XXXX, and used their XXXX money send service, and there were no questions asked, and the money was at the destination in 10 minutes, plus the fee was only {$16.00}, instead of {$120.00} at WU!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CURO Intermediate Holdings
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Speedy cash debit {$310.00} from my account for a loan that was not even mine. I spoke with them and they refused to give me my money back. The loan was for my sister who used my care to pay a one time payment. They debit my account on XX/XX/2019. I spoke with them XX/XX/2019. They were the ones who refused to work out a payment plan with her. XXXX XXXX her name and the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and I opened a few accounts at Santander accounts and they blocked online access. My husband called for his accounts and was told I had to go in branch which doesnt work as the location is too far away. My wife has gotten calls she has a negative balance but we cant see why because we are blocked. The other option they gave me was to mail a notarized letter which I cant get right away. Im concerned as this could go against my credit as there is s negative balance. I would like my accounts to be closed and the money returned to me by check at the mailing address they have on file. Both myself and my wife.

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 2017-11-20
Company: American Coradius International LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Received Email notification from XXXX saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3.  Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 
4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 
5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 
6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 
7. They did not respond to me at all and then placed the account into collections, I called XXXX again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. XXXX has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from XXXX with totally different information. 
9. I have not authorized payments for what they say I owe and XXXX can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my XXXX balance, which if that is the case they used money from my XXXX balance and the still wanted more money. This sounds like fraud on their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are errors.

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 2019-10-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo sent a denial and did not try to resolve this problem.They said that they do not have any programs to put me in. On the XX/XX/2019- said they were willing to investigate and assist on XX/XX/2019they sent out a denial without even contacting me or my realtor.

I am asking for help, they put another auction date in less than a month after last auction date. Please help me I'm beyond upset, they are always playing games. I'm so tired of this lender. If you investigate you would see how many times I reached out for assistance and for help to do a short sale to sell my home. 

Regards 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 explanation
Consumer complaint received 2016-08-27
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card
Issue: Credit determination

Complaint:
I was dealing with an HVAC and they told me that they could offer me 0 % financing for 36 months through Wells Fargo. I thought the financing would be an installment loan. I gave my info directly to their office and they applied for the credit on my behalf so I did not see the application until they came to install the HVAC. A couple of weeks after I was told I was approved I received a credit card in the mail and my credit score dropped by over XXXX points because it was processed as a credit card not an installment loan. Worse I have to pay back the card in equal installments for 36 months instead of as a traditional credit card.

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 2017-01-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union used Right to Setoff to seize my federally protected VA benefit funds that was direct deposited to my share savings account. I had informed them, over the phone and via online message, that these funds were VA benefits, and they seize them anyway. The representative was not aware of the federal protection of VA Benefits against Right to Setoff and garnishments. Furthermore, I did not contract with NFCU that they could take my VA benefit to settle a debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief