BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-06
Company: Paul Michael Marketing Service
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 XXXX XXXX XXXX, located at XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX, NY XXXX, sent me a letter claiming i owed them {$49.00} for debt owed to XXXX XXXX XXXX. I never went to this medical lab, and have no idea what this debt is. 

I reached out to them to provide validation or proof of the debt on XX/XX/2018, and i have not heard from them since. 

I am afraid they are sending these false letters to other people in XXXX, hoping to trick people into sending them money they do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This notice is a Cease and Desist! XXXX XXXX XXXX unlawfully obtained my nonpublic personal information from Bank of America without my consent. XXXX XXXX XXXX then unlawfully shared my nonpublic personal information to XXXX XXXX XXXX containing information in reference to my 2019 XXXX XXXX XXXX, License Plate # XXXX, VIN # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX without my prior consent or from an express permission of a court of competent jurisdiction repossesessed my vehicle under the assignment of Bank of America. Bank of America does not have a legal enforceable security interest in the vehicle therefore this is deem as STOLEN PROPERTY! these organizations are using racketeering activity to deprive me of my consumer rights and constitutional rights. see attachments

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 2018-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received this enclosed escrow statement from Bank Of America stating that I have an projected escrow short fall of {$330.00} for XX/XX/XXXX. My escrow account was review at the beginning of XX/XX/XXXX. I contacted Bank of American in XXXX and XX/XX/XXXX and was informed that I didnt have a short fall in my escrow account for XX/XX/XXXX. All of my obligations were paid for XX/XX/XXXX from my current escrow account. The account as of today, XX/XX/XXXX, doesnt have a short fall. All require payment from the account will be paid. 
I called Bank of American XXXX XXXX XXXX to find out why I received a letter about XX/XX/XXXX when we are still in XX/XX/XXXX. I spoke to XXXX, in XXXX, he informed me that my account was evaluated again using the projected insurance and tax amounts for XX/XX/XXXX and they arrived at this amount. I asked XXXX, was my current escrow account short. XXXX said no, the account was current. I asked him how this assessment could be done again in this year when Bank of American has not received any bills for XX/XX/XXXX. 
I told XXXX, if I paid this amount that was cause me escrow account to have an overage and that I didnt think that was legal. How can I be expected to pay for a XX/XX/XXXX escrow short fall when the bills have not been submitted to Bank of America for XX/XX/XXXX. XXXX transferred me to XXXX, a manager, and we had the same discussion. She informed me that there was nothing she could do. She filed a complaint for me with the bank. 
This is in my view, on the situation. It is a form of extortion because I am being forced to pay a debt that has not happened. Bank of America doesnt have any bills to pay regarding my account for XX/XX/XXXX. They will hold my funds and millions of other customers as an asset to make loans and draw interest to increase their profits.

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 2023-12-11
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 is missing that should be on the report

Complaint:
XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This debt collector XXXX has not provided me proper debt validation for this aged debt. Please delete this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 reported Identity Fraud to all three credit bureaus and wrote a letter to submit to remove this from my consumer report. This is not my account, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Prior complaints that have been closed without sending to company for answers are : XXXX XXXX Also filing a complaint with the XXXX XXXX for the CFPB for deleting I wish to report and file complaints on employees XXXX in the XXXX XXXX IA XXXX XXXX XXXX XXXX Lead Escalations XXXX XXXX and XXXX XXXX Case Specialist for transacting with me as a mortgage customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I further wish to discredit the business practices of Wells Fargo that are continuously riddled with lack of integrity, underhanded, and deceitfulness that constantly subject them to investigations and fines - internally and externally - including fake account scandals, falsification of internal interviews, anti-money laundering, failure to pay imposed fines, lending practice violations, and the list goes on. 
Why should an institution like this be allowed to operate and why am I being held XXXX as their customer? No person in their right mind would ask a convicted XXXX  XXXX to baby sit for them and that is exactly what I am being subjected to as a customer by their refusal to allow my loan to be serviced by another company with scruples and integrity. They should not be ( https : //www.consumerfinance.gov/ ) Submit a complaint / Complaint filed PRODUCT OR SERVICE Mortgage TYPE Conventional home mortgage ISSUE Trouble during payment process CONCERNED ABOUT FORECLOSURE? 
No HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes MISSED PAYMENTS? 
No allowed to service any loans given the historical track record and treatment of customers and employees alike. 
I am amazed to find that once I filed previous complaints on this institution that to cover their XXXX they completed reviews all of my accounts, past and present, and started " finding '' money that was due to me, even so small as sending me a check to cover less than {$3.00} in overcharged interest, that was rounded up to {$5.00} as a courtesy, on a loan had been satisfied for over 15 years ... .why? STANDARD BUSINESSOPERATION PRACTICES OF WELLS FARGO ... HIDE EVERYTHING AND DO NOTHING UNTILCAUGHT AND THEN COVER OUR XXXX. Why in XXXX 's name is this institution allowed to operate on an ongoing basis? over $ XXXX in fines and violations in the past 22 years and over XXXX violations and convictions.

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 2023-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX an account from XXXX XXXX XXXX appeared on my credit report. The account is reporting XXXX in debt in the amount of {$910.00} to them. I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY! This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were XXXX years old in Texas. I can not get XXXX to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to XXXX XXXX XXXX and Portfolio Recovery Associates to validate the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CT
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I refinanced my home in XX/XX/XXXX. When my new loan was set up the mortgage company estimated my property taxes too low. I was not made aware of this problem until XX/XX/XXXX when I received an email saying that I needed to review my escrow statement. When I reviewed this statement, it said that I have to pay {$25000.00} by XX/XX/XXXX or my monthly payment ( which is currently about {$1700.00} ) will go up to {$4000.00} a month. The letter also states that if I do pay the full amount of {$25000.00} my monthly payment will still increase to {$2700.00} a month. The reason I refinanced was to get a lower interest rate and lower my monthly payment. My current lender is Wells Fargo. 

My property taxes for the past three years are as follows : XXXX - {$4100.00} XXXX - {$11000.00} XXXX - {$6600.00} Since XX/XX/XXXX, when I made my first payment to Wells Fargo, I have paid {$500.00} every month towards escrow, over {$700.00} in interest and about $ XXXX in principal. 

I do not understand why or how this has happened. 

I called Wells Fargo and spoke to three different people. They said I should call XXXX XXXX about my property taxes and the only thing they could do is refinance my loan at a higher interest rate to cover the amount owed on escrow. 

I am afraid I will lose my home. I have no way of paying the {$25000.00} and can not afford the increase in my monthly mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account for Credit Acceptance is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on XXXX and XXXX. It is beyond its statute of limitations to be reporting.

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 2022-07-14
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022 I purchased a vehicle from XXXX in XXXX XXXX at XXXX XXXX XXXX. After doing my own research and checking the vehicles XXXX I found out the vehicle had a lemon buyback title. This was never disclosed to me after going back up to the dealership and having several conversations with them. They informed me that I signed a XXXX History report stating it was a lemon. I explained to them I never did and they printed the document out, after seeing the paper I instantly realized the signature was not mine and I never seen the document. They Forged my signature and never informed me of the vehicle being a lemon. I would of never signed loan documents if they would of disclosed this was a lemon ... This whole loan is fraudulent! Look at the signatures on both of my documents then compare it to the forged lemon XXXX vehicle report. This loan was not made with truth and credibility.

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 2019-03-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for an American Express Gold Card on XX/XX/XXXX using a referral link from my friend. The advertisement promises a XXXX point sign-up bonus with qualified spending. 

When I finished the spending in time, I didn't receive the point, so I asked Amex about this problem on XX/XX/XXXX. However they told me that my sign-up offer was declined. They failed to give me a reason at that time and asked for a 10-15 business day period for investigation. 

I later on checked with Amex on XX/XX/XXXX about the investigation and they gave a reason : the bonus was declined because I have closed another credit card from Amex. And they told me that in terms and conditions they reserved the right to decline any reward that they promised. As a fact, this terms and condition is not obvious to customers. Nearly no one noticed it when applying the card. Especially comparing to the obvious large letters saying " XXXX bonus ''. 

When I asked Amex to return my annual fee and close my card, they refused. The reason is that they don't have access to the system and can not do it.

I'm considering it as a fake advertisement which hides complete information from customers. It also ask user to pay ( annual fee ) for something different from what they advertised. This behavior is extremely dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This complaint is a follow up to my original complaint dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX  XX/XX/XXXX. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: DISCOVER BANK
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car with XXXX rental car on promotion as a traveling XXXX worker the promotion was 400.00 for a total of 493.00 I had the car for 2 months after doing a extension it equal out the I had it for 2 months and like 4 days. The car was returned in brand new condition with a full tank of gas. The company charged my card for over 3500.00 and submitted falsified information to discover as my total shouldve been about 1175.00 at my daily rate per my signed contract that I thankfully took a picture of I have sent a complaint over to the XXXX and they agreed to take off about 1000.00 which is still a inflated price as they over charged without giving me my discount that I agreed upon. Discover has closed my account as i refused to pay those inflated rates that not what I signed for. My credit score plummeted and I have a bad outlook now because of it. Discover has refused to accept my signed contract and faxes stating they dont see it on the attached photo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX A judgment was rendered against me in favor of Chase Bank on XX/XX/XXXX in the XXXX County, Florida Court for defaulting on credit card debt. The amount of the judgment was {$12000.00} with an annual interest rate of 8 %. ( It was the result of my business becoming insolvent in XXXX. ) On XX/XX/XXXX Chase sent me a letter stating that after entering into agreements with the U.S. Consumer Financial Protection Bureau on XX/XX/XXXX it would stop attempting to enforce the judgment. They also stated that they would not sell the judgment. ( Administrative Proceeding File No. XXXX ) However, while in the process of recently refinancing the mortgage on my home, I discovered that on XX/XX/XXXX Chase had assigned the judgment to XXXX XXXX XXXX, a XXXX XXXX, FL company whose Registered Agent is Attorney XXXX XXXX. 

Furthermore, on XX/XX/XXXX, XXXX filed an Affidavit of Creditor 's Address on XXXX behalf and obtained a certified copy of the Final Judgment at the XXXX XXXX XXXX XXXX XXXX office. 

I was never notified by Chase or XXXX that the Judgment had been assigned. 

Documents provided : - XX/XX/XXXX letter from Chase Bank - XX/XX/XXXX Affidavit of Creditors Address submitted by Attorney XXXX XXXX on behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In XXXX 2015, I used my bank card to pay for a hotel reservation and immediately requested a refund, because the provider could not accomodate with a closer location to a workshop I was attending. I asked the hotel to give me a refund and was told they could not refund me because the transaction was done through a third party. I then contacted my bank to do a chargeback. I filed XXXX claims with my bank and received a letter recently that they closed my account because of overdraft fees and would not refund my money from the transaction. The account is now in collection and my claims are closed even though I submitted the letter from the third party acknowledging the transaction. 
No one will give me my money back.

Company response to consumer: Closed with monetary relief