BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-05
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got hurt at work in the summer of 2019. I tore the XXXX and XXXX in my XXXX XXXX. My medical bills were covered by occupation accident insurance which covers 100 percent of my medical expenses and pays me for my time i am not able to work. I went to XXXX XXXX in XXXX XXXX Michigan. Its part of XXXX hospital and i went to physical through XXXX hospital. All my dealing were with XXXX health i got a call from a debt collector earlier this year claiming i owed XXXX XXXX money. I have never heard of XXXX XXXX. I have never dealt with them. Turns out after some research XXXX buys some medical equipment from them. They bought my XXXX XXXX and of course charged me for it and they got paid by my insurance. But they put it in my name on the bill to and I had no clue then they didn't pay the bill. I have not signed or authorized anything. Now this debt collector is trying to get my to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting account XXXX  Account # XXXX XXXX CARD, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Have attempted to work with lender for last year. Filed paperwork five times for modification. They have lost numerous copies and or pages causing the procedure to begin again. 
Past three months have called them twice daily. 
They say they have an assigned case manager but have never been able to speak to this " person ''. No one that I have talked to there even knows who that is. Just some name they made up to look good. 
Always a different person to speak to and they never give the same answers. 
Worse company I've ever tried to deal with. They want you to give up and fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$1400.00} XXXX XXXX {$590.00} XXXX XXXX {$9500.00} USDEPTED XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 I filed a dispute in regards to bankruptcy that was showing on my credit report that does not belong to me. On XX/XX/2020 Experian posted my dispute results showing that they were able to get verification from a clerk that it was indeed my information. I immediately called down to the courthouse, to ask how it had gone so wrong and why it was showing up as my information. I was able to find out that the courthouse had been closed for a few weeks there were no clerks there to verify Anything for anybody and that theres nobody there that could help me. They then told me there couldnt have been anybody there to verify for the credit reporting agency either. Experian is not being truthful in regards to their investigations on disputes and is fraudulently reporting unverified and wrong information.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my building and escrow sent my funds to my Bank of American account, XXXX XXXX. From XXXX XXXX XXXX I want to transfer the funds to my wealth management account XXXX. I went to the Bank of America at XXXX Texas on XX/XX/2019 and completed the wiring instructions. I was told everything looked good. I informed my wealth manager that funds were on their way. He called me many times he never received funds. I call the branch and was told that I was turn down because their was no signature card on file. Not true, branch manager was able to bring up my signature on his computer. The branch manager called and left voice mails and emails to superior. He got no response. Today I went to the branch and manager told me that Bank of America is closing my account on XX/XX/XXXX and reason give they do not want to work with companies like mine. That was the only reason give. My company purchase and rent office buildings. 
My wealth manager purchased investment bonds for me in hopes of getting the funds. 
Because B of A did not send the wire I lost {$8000.00} because wealth manager had to sell the bond he bought. I was on vacation from XX/XX/XXXX to XX/XX/2019.

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: Data Search NY, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
TRAM America ( XXXX XXXX ) is a law firm that represents XXXX XXXX XXXX to try and collect the debt on their behalf. They sued me without any warning that they were going to do so. They also did not serve me with the papers because I no longer lived in that state. I called them for a week ( XX/XX/2019-XX/XX/2019 ) and they did not pick up or return my messages. Finally, I had to call XXXX  XXXX XXXX for them to connect me to a TRAM America representative. I can not qualify for anything and this debt ( {$2800.00} XXXX is seriously affecting my quality of life. I explained to them that I wanted to settle the debt. But the most important thing was they reported to the Credit Bureau. The lady was rude and unprofessional. She made me feel small and disrespected. They do not report to the Credit Bureau- how does that help me? If I am making may payments, that information should be communicated to the Credit Bureau and my score should improve. TRAM America should be ashamed of themselves. They're a group of lawyers who are out to get the consumers, they care nothing about us and only want to push for their quotas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
About 5-6 months ago early morning I received a call from someone claimed representative of Western Union, I was immediately informed what the call is all about. Per caller it's " Consumer interview '' and told me Ill be ask to provide some personal information in order to continue the use of their service. I asked if it's a mandatory and the caller said no, in response I said I don't want to participate and don't want myself to get involved, the caller responded saying I might loose my Western Union access sending money local/international if I didnt participate. I explained, I have no issues whatsoever participating and providing information to anyone or anybody specially if it's government/federal required, I continued and said my only concern is the authenticity of his call as I dont know if hes really from Western Union as he claim he was. I continued and even ask if there's any number I could call from Western Union or other means to do it so I could provide the company what information they might need to continue my use of their service, I explained further that my hesitation and non-participation to phone interview is due to the recent incident of hacking to my wife 's email account whereas Western Union MTCN I sent her was compromised. Call lasted about 5mins and ended without giving me any other option, caller just reiterate that I might loose my Western Union access sending money. Weeks later I found myself loosing access with all credits in it I earned from using the services. I called Western Union dozen times to report what happened and was told many different things i.e. System glitch, System maintenance and many others and that I could try again next time but still no luck. Few more phone calls and long hours wait before I finally redirected to the right team, they explained what happened and what needs to be done to rectify and reinstate my account, I was compliant with ALL requirements they need and ask of me, unfortunately 5-6 months passed and the issue hasn't been rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I received a Cashiers Check in the amount of XXXX. XXXX XXXX : Capital One Bank, XXXX XXXX XXXX, Dated XX/XX/2019. Pay to the Order of myself. I was under the understanding that Upon receiving the check a car wrap from XXXX was to be delivered XXXX to my residence then I was to confirm receipt in order for the XXXX   Co. Schedule the wrap with a contractor. I was instructed to keep XXXX and the remaining XXXX was to kept and payment made to the contractor. I was under the understanding that this was a legitimate check. Upon trying to comply with the directions the teller at my local Bank XXXX XXXX XXXX refused to cash it do to believing that it was fraudulent, then informed me to take it to the police. I refused to do so after three years of trying to get questions answered that remain unanswered from the FTC, SEC, CFTC, FDIC, DOJ, FBI and XXXX XXXX XXXX. If this is a fraudulent check then it would appear that someone is slipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
My paypal account hold my fund for 180days for bo reason. I already tried to send messages kn them but still they dont want to restore my account.I dont have any money to use now for my family. I am a single mother and jobless now.All my money is in my paypal balance.Now i dont know where to find money for our living. And I have a lot of of debts that are unsettled.There are also times that i am loosing hope and want to commit XXXX  because of my financial problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Northern Alliance Management, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Northern alliance group called saying they were going to notify employer. They wouldnt tell me what loan was for ( amount ) and who it was from. Just what I could pay to take of it. They just wanted me to make arrangements for payment, not interested in sending me information on so called loan. Nor would they give their address and original amount of loan

Company response to consumer: Untimely response
Consumer complaint received 2019-05-29
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX online at XXXX. Weeks went by and never received the item and found out it was " delivered '' when I finally check tracking. Obviously I went immediately to XXXX corporate and let them know what happens. They promised to fix the problem in 48-72 hours. 

Now a month later, dozens of calls later, I finally took this matter up with my bank. I contacted my bank who refused to take a report of the fraud, they told me the ONLY way to do it was to go login and put the complaint online. I did so as asked. They then kept messaging me through their app and asking questions. 

I provided timelines, all the details, and they said the would get on this immediately. Today my phone buzzed again, and to my surprise, they are NOT fixing this fraud issue. 

They sent a message today that said thanks for reaching out. We have determined there was no error the transaction. We understand you returned an item and they will have to refund once received? That's a big question mark, what items did I return? Nothing, as I never even received it. 

So I'm not only dealing now with a fraudulent merchant, but also with a fraudulent bank. I called in immediately and asked to speak with a supervisor. The agent, XXXX, stated that no supervisors are available. I asked how do I make a complaint, she said they don't have anything for that. I said well let me speak to the fraud team, she said they don't take calls. She refused to escalate this issue at all. 

In all my years I've never had a bank refuse to investigate a fraud case. Moreover, they have noway to even put in a corporate compalint. I can't even reach the fraud team. They have a messaging system online and they ask you to go on there and dispute things this way, I've done that a dozen times and they refuse to have anyone from Fraud, Supervisor, or from corporate at all contact me and look into this matter. 

I'm a XXXX XXXX XXXX veteran who has not only been taken advantage of by a company ( more common today sadly ), but I'm also being taken advantage of by my own bank, Simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: NY
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 have disputed this with the credit bureaus 3 times i have contacted the bank ( XXXX XXXX XXXX XXXX ) over 20 times over a 3 month period starting inXX/XX/2017 when i had the loan originated with fm home loans who you bought it from there was supposed to be 4 months of reserves. 3 days before closing the terms were changed by the underwriter and i was not informed.

after XXXX XXXX XXXX XXXX bought the loan i had assumed this went through. i did not receive in XX/XX/XXXX, XX/XX/XXXX orXX/XX/XXXX stating that my payment was due. in XX/XX/XXXX i received a tax bill from my town and a mortgage bill. i call XX/XX/XXXX and asked why i received the bills and if there was money in escrow to pay it, I WAS TOLD YES THERE WAS. inXX/XX/XXXX i received the 30-day late notice from my credit report and immediately call XX/XX/XXXX to find out what happened. they explained that there was no money in escrow for mortgage and that when i was told there WAS they were only referring to the tax bill. I IMMEDIATELY PAID ALL 3 MONTH OF BACK MORTGAGE TO CLEAR UP THE MISUNDERSTANDING.

The 30 days late was not my fault, it was not XX/XX/XXXXfault but a tragic misunderstanding by both parties and i should not be penalized for this. I have provided documentation from both the originating bank ( fm home loans ) and emails stating this.

the only response i get fromXX/XX/XXXX is " we looked into the matter and believe the reporting is correct ''

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 2020-05-18
Company: Experian Information Solutions Inc.
State: OH
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:
On my credit reports there is wrong information reporting on it. XXXX XXXX account have been closed and is not longer on my report. Also with XXXX, Experian, and XXXX, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On XXXX report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

Experian XXXX XXXX account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX XXXX needs to be removed. I did not approve this inquiry. 

XXXX report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.

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 2017-08-05
Company: AMERICAN EXPRESS COMPANY
State: MS
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:
In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from American Express were changed from the XXXX of each month to the XXXX of each month. This was done in XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on the XX/XX/XXXXthrough the debt management plan has been marked as 30 days late by AmEx by the credit bureau. I have disputed this with XXXX as well as requested a change from AmEx to no avail. All my other payments have been made on the between the XXXX and XXXX  through the XXXX and have not been reported as late so I am unable to understand the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Mercedes Benz Financial Services
State: HI
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:
On XXXX XXXX, 2019, XXXX/MERCEDES BENZ XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation