BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have an account placed with XXXX XXXX XXXX. I have had a payment plan set up with automatic payments ( {$180.00} ) deducted from my account on the XXXX if every month. Midland has all of the sudden  stopped deducting the payments- this is the 2nd time they have done this, resulting for my account to reflect late or negative payments and accrued interest. I have never requested them to stop payments nor have I changed anything such as my checking acct number where the payments were being deducted from. I was also never given the right to dispute this. I have been diligently working on repairing my credit and this is an unfair practice that brings my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XX/XX/XXXX XXXX, who we had been with over 8 years, could no longer provide us service in the area where we lived. I contacted them, filled out a form to release us from our contract, faxed it to them, and after that I did not receive any bills or correspondence. 

Now, all of a sudden, another company has reopened this debt that was forgiven and closed, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
XXXX back in 2012 was the worst serivce that i had and they charged me XXXX for no serivce or no coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt collection agency named Sunrise Credit Service repeatedly robo-calls me from various numbers. I tell them I 'm not the person they 're looking for, ask to be removed from their list, and they say they do not keep a list. They will stop calling for a few weeks and then begin again. I have told them repeatedly that I am not the person they 're looking for but they keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-11-14
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Getting foreclosure docs from wells Fargo bank. Wired money and documents from wells Fargo bank

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 2021-05-19
Company: Quall Cardot LLP
State: CA
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:
i do not owe XXXX any money.. i do not have no contract with this company..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/21 I tried to withdrawal money from my edd account and the atm said daily limit reached so. Checked online and showed two fraudulent atm withdrawals one that morning XX/XX/21 and one the night before XX/XX/21 each one was for XXXX $ ( The daily withdrawal limit ) so I immediately called and filed a claim with Bank of America and they told me the transactions were made in XXXX XXXX and another city in XXXX XXXX. I have never been to either of those places I had been in montebello for the last 2 weeks. They said the withdrawal were made at BANK OF AMERICA ATMS too it should be easy then just look at the cameras!!!! There is absolutely no excuse for them giving me a card with no security chip in the first place if they would have provided secure cards most of this would have been avoided! and what a nightmare this has been I have filed the claim 3 times now and they have denied each one without any explanation or even letting me explain more. I thought there was a ZERO LIABILITY policy? Just not for me? I feel abused like a 2nd class citizen I really dont know what to do I am going to be homeless because I cant pay my rent please help!!!

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 2017-11-14
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:
ON MY XXXX AND TRANSUNION CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from 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 2020-06-04
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: ThunderRoad Financial, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Thunder Road Financial has came to my house several times and all hours ( XXXX XXXX ). They have taken pictures of my home, cars in my drive way and talked to neighbors. Now they are texting everyone from my phone book. I believed they hacked my phone account because they are calling my in laws and I didnt even know my in laws 3 years ago. They are texting my deceased fathers ex wife and her son and I have no contact with them in a year. I called them and advised them to stop harassing people I know and they hung up. The man that text everyone gave my name and some case number. So everyone got worried about me and called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed and mailed them a debt verification letter in early spring XX/XX/XXXX. This account was deleted from my report and they just illegally readded it to my credit report on XX/XX/XXXX. Unbelievable. I would like this account removed as it was previously deleted from my report and readded monthes later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Location XXXX, PA On Monday XX/XX/, {$120000.00} was deposited into our Wells Fargo Bank by my lawyer which was part of a settlement from a well known insurance company. This was a week ago today. The money is still not available for withdrawal ( which we didnt know this until we had overdrawn our checking account and couldnt get anythiing to go through ). We have talked with the XXXX XXXX  ( title is banker II ) on Friday and we can't get this money made available even 5 days after deposit. XXXX is the other bank that is the sender of the money to XXXX 

I am XXXX and live on a very small amount of money and need this money to help pay some bills. Can your organization help? I feel like XXXX is using my money for however long they want to do their own business.. 

In talking with XXXX we have not discovered any reason for them to suspect they will not get the money from XXXX or havent already. We are not habitual overdrafters on our account. Aren't there limits to how long banks can hold people 's money when they want it. WF released {$4800.00} on day 2 after the deposit and say the  remaining amount won't be available until XX/XX/XXXX!! This seems excessive The banker is XXXX XXXX at XXXX we can be reached at XXXX or XXXX or XXXX or my cell 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 2017-11-14
Company: Experian Information Solutions 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 Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.

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 2018-11-15
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am needing to have someone investigate the interest on my student loans. I graduated in XX/XX/XXXX. My loans were consolidated with a principal amount of {$42000.00}. My loan was transferred to Navient in XXXX and had already accumulated over {$20000.00} in interest making the total for both subsidized and unsubsidized {$61000.00}. As of today in XXXX, I have an excess of over {$30000.00} in interest for my student loans. Never really explained the accumulation of interest when in forbearance. I am in an IBR repayment plan because I have never gotten a better paying job as of yet and it is very unfortunate for those of us who financially can not afford to pay the full payment to be hit with so much interest. My interest now is almost greater than the principle amount and this has burdened me mentally to know I owe so much and don't have a clue how to pay this any other way but to continue to gain interest. This makes me feel that getting this education is more of a burden to me than it has helped my life and I find myself in tears a many times wondering how I will ever rid this debt without continuously gaining interest at the same time. As a single mom, I was unable to attend previously and after finally being able to go, I was was hoping to improve my income having graduated. This is now a burden to me and prevents me from getting ahead. I need someone to investigate the interest I am being hit with on this student loan ; its ridiculous that we as American citizens pay so much for an education and my now XXXX yr. old daughter who also received her XXXX degree, tells me she think education is over rated. What a punch to learn after 50 years of life and never being able to complete my education until the age of XXXX but with so much burden behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Responding to a mail solicitation, I deposited {$15000.00} with Citibank on XX/XX/2018. The promotion promised a bonus from the bank of {$400.00} after the money was held in a savings and checking account for 60 days, split between the two accounts. I later discovered that the {$400.00} would be deposited in one of the accounts after an additional 90 days. That time elapsed aver two weeks ago I have twice spoken on the telephone with customer service agents and once face-to-face with the manager of a branch office. Each time I was told the {$400.00} would be added to my account in " one or two days. '' No money has been given to me. I notice that on your database there are  many complaints about this same issue. Please help me as Citicorp is unresponsive and evasive on this problem.

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 2017-11-14
Company: EQUIFAX, INC.
State: SC
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:
Ive spoken to all three credit bureaus in regards to this matter and to no avail the matter still hasnt been handled. My complaint is in regards to the original creditor selling my debt to a third party and they are both still reporting the debt. First issue is the original creditor closed and sold the debt, yet they are still reporting to all three major credit bureaus and its hurting my credit, second, the third party collection agency are reporting a different open date, they are reporting a different amount than what the original creditor is reporting and they never sent out any proof of debt. By law, per fdcpa I have no obligations to the third party collection agency and I have a right as a consumer to protect myself and my credit. This is unlawful and inhuman to do this to an individual who is having a financially had time and to be reporting the same debt twice is hurting me financially, emotionally and physically. I cant move on with my life with these items constantly reporting to my credit. These items has to be removed from my credit report due to the violation ( s ). I am giving the respective companies 30-days to handle this matter, otherwise I will be forced to move forward legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX, I decided to close my secured credit card which is authorized by XXXX XXXX XXXX  and had {$300.00} deposit in that card. I called the cardmember service hotline and was told if I need to close my card, I need to write a former letter including my name, reason, current address and signature, then they can close my card and mail the deposit check back. I wrote the letter as they told me and sent to cardmember service. But after one month, I found my card was closed but I still hadnt received the check, so I called card service hotline on XXXX XXXX, and the representative told me that per her system record they did n't receive my mail, but they still closed my card. During the phone call I found my address in their system still was the old address which not be updated to my current address. So the reprehensive helped me changed the address and told me will mail the check ASAP. But after one week, I received the letter from XXXX XXXX XXXX that they mailed the check to my old address and the check was cashed out by my ex-husband. I was so shock that per their request I mailed the card-close requirement letter and provide my current address how could they mailed the check to a wrong address. I called cardmember service hotline the third time, and the representative was very rude and told me that their company has no duty to check and make sure if the customer changed the address, and they mailed check to the address in system, so they do n't care what happened next. My question is, I followed the rule they told me, provided the letter and my current address they requested, why they still mailed to a wrong address and even let some strange cashed the check out? What the meaning of the card-close letter they requested?

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 2018-11-15
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I attempted to logon to my account online the morning of XX/XX/2018 to pay my bill. I was unable to login due to new security measures enacted on the website. I attempted to reset my password, but was only given the option of providing a credit card number in order to reset it, which seems like a security risk as it did not appear the field was encrypted. I then contacted customer service to have them reset my password only to find out that they wanted me to provide them with my card number as well. I do not have the card, as I shredded the card a year ago as I no longer use it and to prevent unwanted purchases. However, I do still have a balance and wanted to pay my bill. The representative informed me that they will order me a new card and transferred me to the fraud department. The fraud department wanted me to provide them a reason why I wanted a new card ( due to lost/stolen cards ). I informed him that the card was neither lost nor stolen and I just wanted to reset my password. He then transferred me back to customer service and told me that it would be no problem to reset the password. The customer service rep again told me to provide him with the card number, which I said again why I did not have the card. I then said to just send me a new card so I can get the card and reset the password. The representative asked me my security questions, which I answered and then asked me for my bank account number. I was shocked to find out that they wanted my full bank account number that is at a different institution. At no time should one financial institution be asking me what another financial institution 's account number is for the purposes of verification, to me, that is a serious security risk. Once the card was issued, he told me to call back once the card is received as he could not reset the password even after the new card was issued. Sending a physical card to my house in order to reset a password on the website seems to be more of a security risk than it is to fully verify my identity over the phone. It should not be this difficult to be able to access my account to make payments and obtain statements.

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