BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Professional Recovery Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Negative information has been placed on my credit report by Fox Collections that I have no knowledge of. These accounts are : XXXX XXXX XXXX  {$140.00} and XXXX XXXX XXXX {$1100.00} I have no knowledge of these accounts and NEVER received any notice from this agency written or otherwise of there efforts to collect on these alleged accounts. Pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act I have the right to dispute and request validation of a debt once I have been notified. I was never notified. And my rights as a consumer have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX SC XXXX CARD XXXX {$1300.00} there was several transactions attempts via my debit card in a short window of time. with only one notice from my bank. 

Dispute filed on XXXX shortly after text message was received from my bank that the transaction was processed according the tech support of Wells Fargo I noticed my wallet was missing when we attempted to search for the card used for the transaction ( s ) I do not have a issue of reporting disputes with transactions, the last dispute that was not resolved via Wells Fargo was XX/XX/2018. 

Police report filed XXXX. 

I need this resolved with urgency, it wiped out my whole paycheck, its the first of the month, I have a lot of bills that need payment and i can not render any payments without access to my funds. 

My card has been replaced, awaiting it in the mail those numbers of transaction attempts, returns, processes on my account, without the stopping it.. after the 2nd time i would have stopped it, and then it was refunded!!! what the heck it should have been frozen then but no it was posted back to my account and then wiped out again. then all they can say is it is PENDING, are you kidding me THE TRANSACTION SHOULD HAVE BEEN STOPPED ON THE SPOT WHEN I CALLED AND TOLD YOU TO STOOOPPPPPPP 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 explanation
Consumer complaint received 2019-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom is may concern : I XXXX XXXX have been a credit card holder of capital one for at least 5 years. Starting XX/XX/XXXX someone has been trying to steal my identity. Someone would call into Capital One customer service and change my address request new/replacement credit cards be sent out to them. We are XX/XX/XXXX and this is continuing to happen right now today over a course of 4 months. Capital One has failed to meet the satisfaction of a customer by proctecting a customer from such indents and to keep such indents from occurring. Each call the fraudster has made they have been Successful at getting my address changed and replacement credit cards mailed out to them. Despite all measurements I have taking diespite all measurements Captial One has taking with noting my account and placing restrictions on my account. By the time I have changed everything back to my information and I have received my new cards only to have them canceled and the fraudster having other cards mailed out to them. I have placed fraud alerts in my credit files I have all credit files frozen and locked. But so some reason the fraudster is still able to gain access to capital one and get my information changed and new/replacement cards mailed out to them. Capital One has failed to keep a customer information safe and secure. Capital One does not take this matter seriously. And are continuing to put my information at risk by allowing this to continue. Despite telling me my account is heavily noted and nothing can be changed or requested without doing a extensive verification check to confirm identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called all the credit bureaus to dispute fraudulent accounts. Most have been removed, however, there are 3 lingering that keep SERIOUSLY affecting my credit score. 

None of the creditors will speak to me as I can not provide the security details. When I ask for a supervisor, I get hung up on instead of assisted. 

XXXX XXXX Last reported XX/XX/XXXX BANK OF AMERICA- Last reported XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX- Last reported XX/XX/XXXX {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was initially on an Income-Driven Repayment Plan. As I entered into school as a student at various community colleges, the advertisements that I would receive, aside from several network intrusions that would also interrupt internet service, would advertise false information about loans, grants and repayment plans tailored to teachers and expectant mothers. This information appeared on any computer that I would use and would not appear for others. After not knowing what to do about the advertisements as the problems with the interruption of the service were reported to the Federal Communications Commissions and I continued to submit my annual documentation to the loan servicing as required for the Income-Driven Repayment Plan, I submitted applications for other types of repayment plans without submitting false information to qualify for the repayment plan, i.e. I filled out applications for public service loan forgiveness, teacher loan forgiveness, loan discharge application false certification ( ability to benefit and disqualifying status ), without stating that I entered into an employment agreement for a full-time position with a qualifying public-service employer or into an employment agreement for a full-time teacher for at least five consecutive, complete academic years. I did this to provide proof that I did not qualify in order to stop receiving such advertisements and because I suspected that I may have been a victim of identity theft somewhere along the college enrollment process. The school identification cards displayed pictures that did not look like me. During the period of time that this occurred, my financial information, including tax records, were consistently stolen from locked areas. This information was reported to the Federal Bureau of Investigation, including their Internet Crime Complaint Center, the California Franchise Tax Board and the Internal Revenue Service. At the time that the documentation was not requested, I did not have the requested tax documentation and communicated the aforementioned to customer service. I also verbally communicated to the XXXX XXXX customer service department the information that was provided in the documents that were faxed to the CFPB on X/XX/2018, XXXX XXXX PST, and attached to this complaint. I also provided my end of the year pay stub on an annual basis. I believe that I submitted enough documentation as necessary to recertify for the next 12 months until the documentation requested becomes available, as the circumstances creating their unavailability involve crimes that I can not solve and were reported to the appropriate authorities, the Federal Bureau of Investigation, the California Attorney General ( in re to theft of secured areas ), the California Franchise Tax Board and the Internal Revenue Service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The prior week Ford Motor Credit and I made a verbal agreement to make a payment at the end of the month exact date tbd I was to call the following week and they would then administer an extension on to the end of the loan to bring the account on track. I was to call them with the exact date. They continued to call and bullied me and treated me less than professional, continuing to call, over and over again after out discussion. I stated that I was in the process of credit recovery and possible bankruptcy they continued to call me obsessively in a threatening manner, and then issued a repossession order and took my car. I 'm a Ford employee I work at a secured Ford facility all my information is readily available. I have had a 26 year good standing relationship with this branch of my company. I called Ford Credit and they gave me a number for the redemption center, which was incorrect. So I called back to obtain it again, and now nobody answers. Repetitive calls with no answer. Ford stonewalling to make things more costly and unpleasant for the consumer. Same on us, I have legitimate reasons and never have defaulted nor do I intend to, XXXX as my witness I will leave the United States of America if I do!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-09
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the XXXX XXXX XXXX XXXX, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides on XX/XX/19, and the section from the XXXX that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the XXXX because it corroborates the policy set in place that I am talking about. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been busy since my mothers XXXX & TD BANK was was where I initially had problems YET ON MY APP GOR CREDIT credit bureau reads, ... contact TD Bank ... wow!!! TD Bank lied, conducted obviously blatant unethical Federal Banking slaws of SEC ( I didnt know to put a FRAUD alert upon my moms XXXX!? Therefore, XXXX XXXX was determined a fraudulent signature but TD Bank said the I DEPOSITED THE CHECK THERE???? Lie I never banked there but the incriminate of money that was suppose to be directly deposited there..!!!?! 
XXXX XXXX XXXX said I m denied credit and must call TD Bank!!!!!! 
They are spiteful & here I thought a Bank!!!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I have inaccurate information on all three of my credit reports ( Equifax, XXXX, and XXXX ) which I have disputed with XXXX XXXX. I do not have a contract with XXXX XXXX ( account number XXXX ) but yet they are reporting on my credit report. I wrote a letter and also disputed several times to Equifax, XXXX, and XXXX to send me proof of my original contract with XXXX XXXX or to remove it from my credit file and I did not receive a signed contract proving I have this account with them. By law there are not to report any inaccurate information on my credit report, which in this case it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am being victimized by Midland Mortgage with a predatory loan. I bought my home in XX/XX/XXXX and MM bought the mortgage in XX/XX/XXXX. I paid my mortgage payment each month. MM sent a letter in XX/XX/XXXX stating due to a shortage in escrow I owed XXXX or my payment would increase from XXXX to XXXX. MM created a shortage by purchasing windstorm coverage and charging me double. I contacted the hope helpline and a HUD-approved counselor who negotiated a loan modification. The counselor told me the payment was XXXX with 5 yrs added to the mortgage, she also told me it was legal for MM to charge double so to have a cushion. I later received a letter from a law firm who was suing MM because for doing this to many. It became a class action. I got a check in the mail for XXXX, MM got to keep the rest of my XXXX that they stole from me. A person from MM called me in the last week of XX/XX/XXXX and told me the new payment was XXXX due XX/XX/XXXX, I paid it. In the last week of XX/XX/XXXX MM sent a letter saying I was past due on my XX/XX/XXXX payment. I complained to XXXX XXXX. A person named XXXX calls me and tells me the payment was applied to XX/XX/XXXX and wanted me to pay an extra 100 a month to make up the missed payment that I actually did not miss, It's just a scam ran by MM. I paid 50 extra for months and MM reported me late each month to the credit bureau. In XX/XX/XXXX my payment was XXXX which included homeowner, windstorm, and taxes. MM raised my payment to XXXX in XX/XX/XXXX. I believe an investigation would prove MM increased the payment illegally. ( MM ) Midland 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 2018-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with Wells Fargo. On Saturday, XXXX XXXX around XXXX I tried to buy sporting event tickets from someone who posted an ad, and I sent {$200.00} to a mobile number through Wells Fargo 's XXXX Payment option, thinking that the XXXX XXXX would have some sort of basic protection coverage and that it was a safe way to transfer money. The person who initiated the transaction never delivered the tickets and stole my {$200.00} and stopped communicating with me. We then checked from a different phone number to see if he still " had tickets '' and of course he offered the same deal to our request- continuing to scam other people. I was scammed into giving {$200.00} through XXXX and have been told that there is no way for me to get my money back, even after speaking with Wells Fargo customer service immediately after this happened, with them telling me, " No problem, we will research this and get you your money back within 1-3 business days. Please file a police report. '' And they also gave me a case number that they said we could use to check up on. We created a police report and have yet to hear anything about it. So we waited, called Wells Fargo back, and then were told that, " The person who gave you that information was wrong, and there is no such case number with our fraud division, it looks like you made a money movement claim. '' They said that if the charge was pending it was likely reversible and then we were told that was also not possible. We are now supposed to wait up to 10 business days for them to investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed in XX/XX/XXXX by XXXX XXXX XXXX.

I never received documentation that my car was repossessed until XX/XX/XXXX, in which I lost my license due to the fact that they could n't provide me with a letter. When I called in XX/XX/XXXX to find out where my car was with all my possessions, they did not know where it was located, the tow truck company got a ticket that was forwarded to me by XXXX  with the car in tow. I reached out daily for updates as to where my car was located so I could get my stuff and turn in the plates and not anyone could give me an answer. I had lost my license for 4 mths due to the fact that the tow company lost my plates and then I never got my valuables out of the car. Now in XX/XX/XXXX, my loan shows that I have missed payments, and is still open. They sold the vehicle in XX/XX/XXXX and my credit is ruined because of them. I also am XXXX I lost my license and my valuable were lost. Very disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have the Home Depot credit card through Citibank which I have had for years, perfect pay, ents I have been dealing with hurricane Irma, so I have had to make all the repairs out of my pocket, I was fortunate enough to get anything from fema or insurance didnt pay for anything, this is included insurance, this isnt included, this doesnt reach deductible so I asked them a few months ago to defer my monthly credit card pay, ent, they did for two months and thats all they can do, so they say. But other credit card companies for example XXXX, they have been very nice about deferring payments. All I wanted was for Citibank to defer the payments until XX/XX/XXXX, that way I am back to normal and I start paying, I dont think thats asking much, especially being proactive, most people would ignore it and they wouldnt respond and I didnt do that, but I have to do it in emails because the phone service has been so bad since hurricane Irma, you cant hear anyone on the phone, phone doesnt ring, what I am supposed to do????? now I am supposed to be punished for this, this is ridiculous!!!!.

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 2019-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an account with Chase with a {$300.00} bonus for new checking users. I completed all requirements, and did NOT receive a bonus. 
After speaking with Chase multiple times, they said I have not met the requirements due to a fee which was charged and waived on the XXXX of XXXX. 

I deposited {$1000.00} or more within 20 days of opening. 

I maintained at least {$1000.00} for 60 days. 

And I completed the 5 qualifying actions. 

They are saying I didn't maintain the XXXX dollars on the 60th day,  where they charged a XXXX dollar service fee. 

On that 60th day, the XXXX dollar service fee brought me below XXXX dollars, but reading the stipulations of the promotion, it does not define that I need to keep the {$1000.00} dollars for that 60th night, only that I maintain the {$1000.00} dollars for " 60 days from the date of deposit '' which I did. 

On XXXX  XXXX, 2019, I opened the account. 
On XXXX XXXX, 60 days later, the account fell to XXXX due to a fee from XXXX that was later refunded/waived. 

This mistake by chase has caused the system to flag my account as not meeting the requirements from the bonus.

Company response to consumer: Closed with monetary relief