BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: Optima Recovery Services LLC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had emergency XXXX XXXX. I had XXXX XXXX  insurance. They paid for the XXXX but not the XXXX. I contacted Optima Recovery Service at ( XXXX ) XXXX, to resolve the bill or get a copy of the bill so that I can get help paying it. I spoke with XXXX he told me to shut up. hung up on me twice, would not let me speak to management, and when I called back and he spoke to me a third time he said he had nothing else to say to me. The company was not trying to help me resolve the bill at all, instead they were rude and abusive.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Paypal Holdings, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX  has mailing address that are not mine credit opened up in XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19 I was at a restaurant in XXXX with a co-worker. We were given a bill of XXXX XXXX ( approximately {$45.00} USD ). We decided to split the bill between the two of us and we gave the waitress both of our cards with instructions to split the bill in half and charge each card appropriately. As soon as she swiped our cards, both of our phones alerted us to a possible fraudulent charge via our mobile banking apps. As soon as I received this alert, the app asked me if this charge was legitimate. I pressed " NO '', which I assumed declined the charge. 

The waitress than came back with my Bank of America card and a receipt that showed a charge of XXXX XXXX ( approximately {$490.00} USD ). I refused to sign the credit card receipt and informed her I understood this to be a scam. I then paid her {$60.00} for the bill in US currency and left the restaurant. 

My co-worker 's XXXX XXXX app also alerted him to a potential fraudulent charge and he was not charged by XXXX. 

I followed up with Bank of America the next day and confirmed it was a fraudulent charge. They canceled my card and sent me a new one. 

On XX/XX/19 I was contacted by Bank of America and told that because it as a " verified chip transaction '' they were probably going to decline my fraud dispute and charge my card the {$490.00} that was fraudulently charged. I again explained the events to the transaction to the Bank of America agent I spoke to agreed it sounds like a legitimate fraud claim. 

The next day, XX/XX/19 I received a letter from Bank of America verifying they did in fact decline the fraud claim and charged my account the amount of {$490.00}. The letter states that I either signed the receipt or supplied my pin at the time of the transaction. In fact I did not sign a receipt or supply a pin number. 

I contacted Bank of America regarding the decision and was told they would forward my case to the billing dispute department. In my opinion, and the opinion of the Bank of America agent I spoke with, this is a clear case of fraud but they refuse to acknowledge.

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 2021-02-26
Company: Opportunity Financial, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This loan was charged off at {$3300.00} ( approximately ) in XXXX. When I hired XXXX XXXX in XXXX to challenge this item on my credit reports, Opportunity Financial changed the amount and retaliated against me by increasing the amount due on my credit reports to over {$5100.00} with no justification. Opportunity Financial has a legal obligation to accurately report the past due debt. Likewise, the creditors have an obligation to report accurate information which has been wrong now for more than 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My vehicle at the time was reported stolen in early XXXX  and settled with insurance which paid only blue book value at the amount of {$4600.00}. At this time, Credit Acceptance was showing a remaining balance of {$4300.00}. I'm not denying there was a balance. I am denying this account being OPEN. They are reporting an open account on my credit and adding monthly fees as if I am in possession of this vehicle still. Although they updated amount of remaining balance in XXXX oXXXX XXXX as {$4300.00}, they reported a remaining balance of {$4200.00} in XXXX of XXXX. That amount remained the same until XXXX of XXXX which at that time was listed as {$5100.00}, which an additional total of {$860.00}. Every month after it has been additional amounts ranging from $ XXXX {$70.00} in different amount each month up until the current month, now showing I owe {$5600.00} as of this month. I have disputed this account and amounts a few times from different credit sites and they seem to continue to report this account as being open. I would like it to appear as closed as it is a closed account. I can not get my credit score under control because of this company.

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 2018-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was sold 7 times. The latest lender was Bank of America. No one ever had clear title to sell the house to us and we never had clear title to sell the house. We were notified that the home was being transferred out of Bank of America to FHA. All of a sudden Bank of America foreclosed on the mortgage and we lost our home. We hired an attorney to represent us in the foreclosure, but the judge ruled against us, completely disregarding the fact that a clear title to the house was never possessed and the mortgage was sold so many times. no one could figure out where to get it. I was unaware of the settlement provisions available to homeowners who lost their homes. Are there any actions of recourse to sue Bank of America for not transferring the mortgage as stated and never having a clear title to pass it to us or a mortgage that was good in the beginning of the transaction? The property address was XXXX XXXX XXXX XXXX XXXX , FL 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 2019-09-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2019 went to Chase Manhattan Bank at XXXX XXXX XXXX in XXXX   XXXX XXXX, NY XXXX and used my XXXX debit card to withdraw {$500.00} from the ATM machine at Chase Bank at XXXXXXXX XXXX. 
I received a receipt stating " We are unable to give you cash right now. Call XXXX. Could not get through after a few tries. Went to someone in bank and they said they were having problems with the ATM machine and a notice should have been posted on the machines but was not. At that moment {$500.00} was removed from my XXXX account. 
Told by Chase " not our problem you did not use your Chase card ''. Must file a complaint with XXXX and it can take a few weeks to get resolved. 
Again - attempted to get cash - ATM not working - confirmation that no cash could be dispensed and yet TOOK {$500.00} out of my account at the same time. Who pays me or XXXX for the amount of time it is taking to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I Hello, I have exhausted all of my forbearance/loan deferment options. After speaking with the XXXX XXXX loan repayment department they gave me a monthly amount that I could not afford. They will not budge with creating a lower payment even after my monthly expenses were shared with them. 
I only get paid once a month and paying this amount will leave me nothing to survive off of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I noticed that withdrawals had been made from my Wells Fargo Savings and Checking account in the amount of {$98000.00}. These daily withdrawals in the same amount had been going on for several months, made by the same individual using XXXX. During this time I received only XXXX email from Wells Fargo, saying that money had been take out via XXXX. Having never heard of XXXX, I assumed it was a scam. Wells Fargo has determined that I authorized these transfers, but has never answered any specific questions about how this authorization took place, or any information about a phone number unknown to me that had been added to my account. I am working with a local police detective as well as an attorney. Neither has received any satisfaction from Wells Fargo. The Florida Attorney General 's office suggested that I submit a complaint to your office.

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 2017-12-04
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Back in XX/XX/XXXX I noticed a lot of address that did not belong to me on my experian credit report. Also I noticed names that did not belong to me and a birthday. I contacted Experian through mail and sent a copy of my drivers license, ss card and a utility bill. They did not remove the wrong information. 

XX/XX/XXXX I sent another letter notarized with my Drivers license, ss card and utility bill. They sent me a report back XX/XX/XXXX and they still did not remove the wrongly reported information from my 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 non-monetary relief
Consumer complaint received 2019-09-25
Company: Gurstel Law Firm, P.C.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A year ago I found a credit bureau listing from XXXX XXXX XXXX ( XXXX  ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on XXXX XXXX  and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with Gurstel Law Firm in Minnesota, did not contact me again until this week when I received a letter forwarded to my New   Mexico address from my ex in Nebraska saying that XXXX XXXX XXXX ( XXXX  ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA to again dispute a debt I have previously disputed. I have researched Gurstel Law and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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:
Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that had been deleted and is now reappearing from Experian that needs to be deleted. I sent a debt validation letter to the creditor requesting validation of the alleged account. They failed to provide me validation, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ) so this information needs to be deleted as soon as possible!

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 2017-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXXbecause of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 2022-11-13
Company: EQUIFAX, INC.
State: GA
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 sent a letter to Equifax, XXXX, and XXXX on XX/XX/XXXX. It's been well over 30 days and I have not received a response to remove the following credit inquiries from my credit report. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Equifax, XXXX, and XXXX have 30 days to respond to my dispute. 

Please investigate and remove these inquiries from my credit report. 


XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT MANAGEMENT LPIS REPORTING FALSE INFORMATION TO MY CREDIT REPORT ( ACCT # XXXX ) AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607.  Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to have Equifax remove a consumer dispute from my bankruptcy for over a month now. 
Every time I call they tell me they have taken care of it. 
It is currently still on my report. 
I've been trying to refinance my house for over a month and this is the only thing holding my loan up. 
Now this has cost me money. 
They keep telling me it's resolved, but even today it is not. 
The dispute is still there and I can not close my loan. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Solidus Group LLC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Received a phone call from XXXX at work from a collection agency XXXX XXXX but they did not give their name at first when calling. I told the rep I'm not allowed personal phone calls at work becuase the line was for patient 's only to please call my cell. If they have called my cell before they have never left a message to call them back. They called my work on XX/XX/XXXX, XX/XX/XXXX  and XX/XX/XXXX. Each time I told them I'm not allowed calls at work. On XX/XX/XXXX the lady from XXXX XXXX asked to speak to my supervisor so should could tell her about " how i'm acting ''. Also threatened to playback any conversations to her that she recoreded. I asked them on every conversation to please mail me validation of the debt and that I have not received anything from them and if they do have the legal right to my personal information they should have my address. They refused to mail anything or do a three way call with the suspected orginial creditor to validate who they are.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 received an alert that there was an inquiry on my credit report. 
I did not authorize nor apply anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: WELLS FARGO & COMPANY
State: AK
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 carried a bank card for many years that has the Master Card logo on it. I assumed that for all of these years it was being reported on my credit report and assumed it was helping me to establish credit. Since I have carried and utilized it for MANY years in good standing I decided to apply for a real credit card, only to find out that I STILL have " Unestablished Credit ''. WHY are these banks allowed to utilize the credit cards logo if it DOESN'T get reported onto your 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 2017-11-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Two years ago I changed my checking account to avoid fees. At the time of this change, it was suggested by the bank employee I open a second savings account. I did so and was not aware the account would be subject to fees if the balance reached a certain level. As I NEVER used this account, I did not pay attention to fees being levied until I started receiving low balance alerts a couple months ago. When I finally reviewed the account, I found I had been charged a monthly {$12.00} account fee for eleven ( 11 ) months : total {$130.00}. 
Today, I contacted the bank as I was out of country for a period. The agent offered to reimburse me for six months of fees at 75 %. This resulted in a credit of {$52.00} ( I 'm not sure of the math on this ). The account is now closed. 
By my calculation, I overpaid {$130.00} in unnecessary fees. Less the {$52.00} credit, I am out {$75.00}, thus this complaint/claim.

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