BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018, I was informed by my father XXXX XXXX XXXX that he received yet ANOTHER call from XXXX  XXXX XXXX on his phone number of XXXX and which they've asked for me. .. and was told repeatedly they have the wrong number because of the verification of the last four digits of his social are not mines, and I XXXX XXXX XXXX am the person in whom they're looking for. So I called the number on my dads phone ( XXXX ) from my phone number XXXX and spoke to XXXX XXXX, and was told that my phone number ( XXXX ) XXXX is on the file. So when I asked XXXX XXXX, then why is he calling my Fathers phone number repeatedly for the past several months ... when they have my phone number on file. he replied to me. " it was a dialer call ''. ( illegal ). I then informed XXXX, that I'm not in hiding and whatever skiptracing tool their using shows my current address and phone number to get directly to me. AND the fact that they've not called me in months ... yet are still calling my dad is a violation under the FDCPA Section 806 for Harassment .... I asked him to answer as to why they're purposely calling my dad when they have my number ... and was ignored. ... XXXX XXXX then told me he'd rather me speak to a supervisor and the call was transferred to XXXX XXXX. His professionalism was worst then XXXX, the account manager. He refused to address the situation of them harassing my father ... he continued to talk over me, and talk at me while I was talking, attempting to berate me on the phone call. 
I eventually informed XXXX that I WILL be following up with a complaint cause it's clear my rights and the right to contact a third party repeatedly have been violated and clearly they have no intent on apologizing or being humble to even attempt to correct the problem ... all he wanted to do is attempt to collect a debt ... .3 All in all these collectors were Rude, and Disrespectful and Honoree even after being informed of their violations and I plan to make sure I do whatever it takes to get the word out on this companies, poor collection tactics.. and harassing measures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: MECHANICS BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I submitted a complaint about Mechanics Bank wrongfully withholding my funds that were fraudulently taken from my account in XX/XX/XXXX. Mechanics Bank had informed me it would not credit back my funds for 6-8 months in spite of my demand for return of my funds. Once I hired an attorney for {$500.00}, and submitted my complaint to CFPB, complaint # XXXX, Mechanics Bank did return my funds, responding only to CFPB, never mailing me a copy. I have since obtained a copy and in that response dated XX/XX/XXXX, and the bank flat out lied by misinforming the CFPB. Specifically, in the statement that " a credit in the amount of {$4400.00}, which represents the total of the three altered checks, was credited to your new account ending in XXXX on XX/XX/XXXX. An Honor Letter confirming the results of the investigation was sent to you via the United States Postal Service on or around XX/XX/XXXX. Additionally, on XX/XX/XXXX and XX/XX/XXXX, two employees of the XXXX XXXX branch spoke to you and communicated the credit to your account. '' Firstly, if in fact Mechanics Bank had saw fit to do the right thing and return my {$4000.00} I never would have had to hire an attorney and incur the {$500.00} expense. Secondly, Mechanics Bank employees have never saw fit to ever contact me in writing or otherwise. Therefore I NEVER received any type of letter, " Honor, '' or investigative report result or telephonic contact to advise of any type of result or return of my funds. Had Mechanics Bank personnel saw fit to return my funds and advise of doing so I NEVER would have had to contact the CFPB. For Mechanics Bank to send the CFPB it's fabricated response is purely self serving and false and was done simply because it knew it had failed to protect its own consumer from its own employees failures. Mechanics Bank DID NOT credit my account {$4400.00} as it stated it did so. It was only {$4000.00}. I am still owed {$500.00} for the attorney 's fees I incurred as a result of its failure to provide me with my funds I was rightfully entitled to under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Extra overdraft fees from Wells Fargo

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 2019-08-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday XX/XX/19 at about XXXX CST I sent a payment of {$300.00} to an email address in exchange for concert tickets. The tickets were not sent, and within 30 minutes I realized I had been scammed and immediately contacted Chase Bank. The payment was sent via XXXX, and Chase advised that they do not consider this fraud as I sent the payment knowingly. Despite not receiving the goods/services I paid for, they would not reverse the transaction. Chase said that if my account was hacked, they could reverse it - so we know it's possible, they were just unwilling to help stating that this is more of a wire transfer and that I am responsible for any party I send it to. The recipient told me they used XXXX XXXX XXXX, but Chase was also unable to verify that for me. I am a clear victim of fraud in this case and have reported this to local authorities as well. I am seeking help in working with Chase to reverse the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked for statements from when the account was first opened but I still have not received them. I have only received statements with a balance previous balance of {$6200.00} and beyond from XX/XX/2018. Where are the statements prior to XX/XX/2018 and beyond?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Credit Systems International, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call on XX/XX/XXXX  from a debt collector called Credit Systems International Inc. for a {$89.00} bill from XXXX XXXX. I have never received written notification from this debt collector and I am requesting they stop calling me. Debts under {$500.00} are also not to be reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company continuously calls me from a variety of different numbers daily attempting to record my voice as they illegally brought my debt from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
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 status incorrect

Complaint:
I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to XXXX XXXX several times to remove me as an authorized user, however, XXXX XXXX continues to report account open on my credit report as open.

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5100.00} ; 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 2023-09-03
Company: ENCORE CAPITAL GROUP INC.
State: WA
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 contested over 4 times a debt accrued last XXXX of XXXX under XXXX XXXX, with Midland Credit management trying to set collections out for the amount. I never took out the amount, and have told them that my mother has used my information to take out credit under my name in the past and to look into her being the perpetrator. As of XX/XX/XXXX, my mother passed away, and have yet to receive a death certificate from the coroner for it to be able to send to anyone of her untimely passing. I have told them this is the best lead to whoever took this credit out in my name at that time, and have been stonewalled, no more communication from them, just a mark on my credit for the amount in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since I have graduated I have payed for my loan. However, When my student loan was moved to Navient I believe that my student loan has not decreased and when I asked about XXXX  loan forgiveness my answers to my question were not in the best interest of my loan. Information given about XXXX  forgiveness and interest were not accurate and ambiguous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Flagstar Bank, N.A.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, we received a letter from Flagstar Bank regarding instructions for our request to cancel the private mortgage insurance on our mortgage loan. The cost for doing this, as stated in the letter, is {$120.00}. The letter gave instructions for where to send a check in that amount and that a representative will contact us to set up an appointment. The letters are attached with this complaint. 

Nowhere in the letter does it state that an additional fee MAY be changed, only that the cost for canceling PMI is {$120.00}. 

Flagstar deposited the {$120.00} check on XX/XX/19. 

On XX/XX/2019, Flagstar Bank sent us another letter stating that there would be an additional fee of {$100.00}. If we wanted to cancel PMI, we needed to send in the additional {$100.00}. 

This, in my opinion, is fraud. Flagstar Bank did not inform us of any additional fees. They deposited our check and then informed us that if we still wanted to cancel the PMI, we needed to send them an additional {$100.00}. 

This is one example of many instances of poor customer service and dishonest practices that we've experienced with Flagstar Bank. Calls were not returned. At least one formal complaint with Flagstar Bank ( XX/XX/19 ref. # XXXX ) was ignored. Other issues regarding the endorsement of a check for our roof repair due to hail delayed payment to the roofing contractor for over a month. 

All of the calls with Flagstar Bank were recorded. However, since there is identifying information included on the calls, I won't attach the recordings. 

Thank you for your follow-up.

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 2016-09-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX, I noticed fraudulent charges on my CitiBank credit card account, and called to dispute charges and cancel the account. The dispute was resolved successfully, and they issued me a new card. I paid the credit card balance in full, and within days of receiving the new card, I noticed an additional fraudulent charge in the amount of {$67.00} under the new account number ( I had never used the new card or made any purchases ). The charge was for a ride sharing service in California ; I live in Ohio and have not been to California. I immediately called to report the charge and cancel the account ( XX/XX/XXXX ). They informed me that I would not be held responsible for the additional charge. It is now XX/XX/2016 and the charge remains on my account and I have not received any information from Citibank.

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 2018-12-06
Company: EQUIFAX, INC.
State: WA
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 sent 2 round of dispute letter to XXXX, Equifax, and XXXX  to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Personal information incorrect

Complaint:
By first name is spelled incorrectly.

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 2021-07-06
Company: TCF NATIONAL BANK
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX I visited the TCF branch in XXXX XXXX, SD to close my account. I received a cashier 's check for the balance on the account and was told it was closed. 

In XXXX of XXXX I received a letter that my account was overdrawn by {$.00}. I contacted TCF bank to let them know my account should've been closed in XX/XX/XXXX. They said that I had a roughly {$60.00} balance at that time which had slowly drained due to dormancy fees and was now past due. They said they would close the account and no further action was needed. 

In XXXX of XXXX I received a letter that my account was overdrawn by {$10.00}. I contacted TCF and they let me know they could not assist me over the phone and I would need to visit a branch location to receive assistance. I asked for a manager and they said they would reach back out to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I submitted a " Total and Permanent XXXX '' form by my Doctor from XXXX County Medical Center, XXXX, MN to the U.S. Department of Education for a discharge of my student loan which took effect that year. Now 6 years later The U.S. Department of Education 's Loan Servicer " XXXX '' of XXXX, NE ( XXXX ) XXXX is trying to collect on this discharged loan.They are lying telling me over the phone that they have no information about my XXXX loan discharge and that XXXX took over as a New Contractor for Dept.of Education in XXXX. They Maliciously had their collection agency " XXXX XXXX XXXX XXXX XXXX '' take my XX/XX/XXXX EIC tax refund of {$63.00} and my XX/XX/XXXX Minnesota tax refund {$1500.00} this is theft. I filed a Complaint with the Minnesota Attorney General 's Office. Now these vindictive people has a 3rd party collection agency XXXX of Colorado harassing and threatening me for a debt I do not owe! These malicious and lying people at XXXX are requesting another Discharge Application from my Doctor and/or Social Security Admin. to again discharge this loan a second time, this is Fraud! Please tell this collection agency XXXX in XXXX XXXX, CO ( XXXX ) XXXX to stop calling and hanging-up on me, they are in violation of the Fair Debt Collection Practice Act. Please tell XXXX XXXX XXXX to Cease and Desist and for them and XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO ( XXXX ) XXXX ) to return my money they have stolen from me and Cease and Desist from taking my tax returns. 
They have also violated the 120 grace period from XX/XX/XXXX since filing my Discharge they were not supposed to take my tax refunds under this 120 day stipulation. These people are all unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Williams, Alexander & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, i woke up one morning, about a month ago, with a note on my XXXX XXXX   that on XXXX there was a Collection of {$940.00} from Williams & Alexander Association From a XXXX Division as original Creditor. I call the collector on XXXX, and they could not find me on their system. I gave my social and my address and they said they send a bill for more than 3 months to XXXX, NJ in some address that i never lived. I live in XXXX  for 3 years, and I was living in XXXX before where i had my house. I never received any letter from them and never had any collection issue on my credit. This is completely fraud and scan on my credit. I fill out already 4 disputes with XXXX ( XXXX, XXXX, XXXX and XXXX ) and my credit continues going down. Yesterday the collection took place on XXXX   and I fill out a dispute immediately as well ( XXXX ). I keep calling this collection agency and they keep saying that this does not belong to me, but they do not remove this derogatory mark from my credit. It's been a month like this fight and I'm getting nowhere. Please help me to clean my credit it went down almost 50 points. I really need help with this. This is insane how come a collection use my social to charge me something that does not belong to me without sending me any notification??? Please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: IA
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:
EQUIFAX DISPUTES INQUIRES LISTED FROM THE BELOW COMPANIES ARE NOT FROM ME, I HAVE SENT SEVERAL DISPUTES AND YOU JUST REFUSED TO DO ANYTHING BUT SEND ME A CANNED STATEMENT, FEDERAL LAW STATES THAT FCRA MUST REMOVE INACCURATE INFORMATION FROM A CONSUMERS FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MINE, REMOVE FROM MY FILE AS STATED IN PRIOR COMPLAINTS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Kriya Capital, LLC
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief