BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Carolina Finance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job back i XXXX XX/XX/2020 I had given them a heads up about my payment that I wouldnt be able to make them in time due to me losing my job its been hard to find a job I have been working a full time job but only work part time due to its not very busy and it DONT pay much I told XXXX XXXX XXXX from Carolina finance I dont have enough I can make a XXXX a week till I get a settle job because is hard times for me right now, he said its not hes problem I dont have a job that the payment still have to get done, so I asked em how am I to find a job make what I was making when everything is close down due to the pandemic he said it is hes problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This case involves my original creditor XXXX XXXX XXXX and my collector Midland Credit Management. Over a year ago after checking my credit report I have noticed that I had unauthorized charges on my credit card, which as I found out was a result of a credit card theft from my mailbox. I have contacted my creditor about that and they said they would close an account for me. After that, the balance was taken off my credit report. 

One month ago I was notified by my collector that I owe them {$870.00}. I have filed a dispute but they came back at me claiming that I still owe them this amount. On a statement provided by a collector, the charge-off happened on XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i was at the XXXX store buying things went home like nothing bags in my arms i got in my apartment put stuff down realized my wallet and cell were lost went back and nothing i searched nonthing. days after i went online banking seen all my money was gone how much more i have to go threw fighting XXXX  XXXX failure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I got a credit card through XXXX XXXX which uses XXXX XXXX. Sometime in XXXX I purchased a sweater for less than {$25.00} with the credit card to get a discount. At the store, I paid the balance in full at the same day using my debit card. 

Through a monthly credit monitoring tool, I found out in XXXX that the balance on the XXXX XXXX was {$55.00}. I was shocked and confused and on XX/XX/XXXX around XXXX I called the company to find out why I was being charged that amount. After being passed around for over an hour and 30min to different people from XXXX to the US, I finally talked with a person who said that I had to pay {$29.00} to make my balance current because the sweater payment didn't go through at the store. Since I was very frustrated at the confusing fees and lack of contact and communication, I requested for the account to be closed as well. I paid the amount and it was taken out of my bank account on XX/XX/XXXX. 

I asked the representative over 3 times to ensure that my account balance was XXXX and my account was closed. She gave me a confirmation number of # XXXX. I checked my monthly credit monitoring and now the account shows up as delinquent, closed along with a balance of {$59.00}. I've tried to call the company but no one is picking up and I can't reach out anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello CFPB Staff, May you be well and safe. This is a two-part issue. 

( 1 ) I owed {$4300.00} to XXXX XXXX Card Services ( XXXX XXXX XXXX XXXX, DE XXXX ). My credit report indicates that this account was closed XX/XX/XXXX. However, I was actively paying this balance off through XX/XX/XXXX via my online XXXX login. When logging on in XX/XX/XXXX to make a payment, I didn't see this particular account on my profile. XXXX gave me no warning that they were closing this particular account. I called customer service and they could not give me a good reason and basically indicated that I was taking too long to pay. Therefore, I would like XXXX to make this particular account active again and to remove any derogatory remarks from my credit report. 

( 2 ) On XX/XX/XXXX I made paid {$2100.00} to United Collections Bureau ( UCB XXXX TEL ID : XXXX ). I think they violated contract law because at no time did they indicate to me that I did not have to do business with them. I felt stressed, pressured, and extorted as they said I had to choose payment option A or B. I did not know that I had option C, not to do business with them. But I did pay them and no derogatory remarks were supposed to be placed on my credit report concerning this particular account. Therefore, I would like UCB to give me back my money or do what they need to do to make sure no derogatory remarks associated with this particular account appears on my credit report. 

I seek remediation and rectification. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ON XXXX XXXX, I notice a alleged debt of {$11000.00} from NCB Management services that i do not owe, and i sent a letter asking for information related to the alleged account and hasn't received anything thus far .I am asking that for the validity of the debt, along with other documents to support the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Fay Servicing, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have concerns over the handling of my mortgage account as well as issues that arose prior to the transferring of my mortgage account from Fay Servicing , LLC to XXXX XXXX XXXX. I feel as if I was taken advantage of financially by Fay Servicing , LLC in the last few months of the company servicing my loan. I also feel that my mortgage loan account was mishandled therefore causing confusion, discrepancies, numerous errors, over assessment of fees and potential unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was opened at Discover under my name fraudulently. All 3 credit bureaus are locked as well. Not sure how this could have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: NCP Finance
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX XXXX XXXX  sent me a XXXX ( cancellation of debt ) post marked on XX/XX/XXXX. 

Per Federal Guidelines : These reports are due XX/XX/XXXX, for XXXX payroll taxes, including annual wage and tax reports, unemployment tax reports, and Form XXXX ( the quarterly payroll tax report ). 

XXXX forms and XXXX forms, to employees and non-employees. 

By XX/XX/XXXX, annual wage and tax reports must be given to employees and independent contractors who did work for you in XXXX. That's XXXX for employees and XXXX forms for contract workers and outside businesses you made payments to. If you aren't sure whether to send a XXXX to someone, check this article about who must receive a XXXX. 

While tax season doesn't begin until XX/XX/XXXX for personal tax returns, including small business tax filing on XXXX XXXX for small businesses, some people like to get an early start on tax preparation, so the sooner you can get these forms out, the better. 

XXXX Forms to SSA and XXXX forms to IRS Submit transmittal forms for XXXX to the Social Security Administration by XX/XX/XXXX. That's Form XXXX, along with all XXXX and Form XXXX, along with all XXXX forms. This deadline includes forms filed electronically. 
Submit transmittal forms for XXXX to the IRS by XX/XX/XXXX. 

A complaint has also been filed with the Ohio Attorney Generals Office, and Ohio Civil Service Office due to other illegal practices this company has committed. A separate complaint will be filed to the CFPB that describes the illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unfortunately my daughters and myself have always had Medicaid which covers 100 % so i have no clue why this debit is on me. If this cant be resolved I will hire a attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I Opened a TD Bank Checking Account online on XX/XX/2019. 

Account was immediately locked and required me to come into a branch to with my State ID to prove my identity. However because I was living in California at the time I couldnt go into a branch because TD bank doesnt have any branches in the state of California. 

I called to explain this multiple times over the course XXXX, XXXX and XXXX and each time a customer service rep would refuse to help me further. Because of this my locked account gained {$50.00} in service fees even though I wasnt able to use the account. The customer service reps refused to close my account or waive the fees. 

I was finally able to go visit NY in XX/XX/ 2019 in which I asked to close my account in a TD Branch ( XXXX and XXXX ). The Customer Service rep at the bank was also rude during this interaction and refused to help with me. He demanded that I pay the {$50.00} in service charge in cash so he could close the account. I had no choice but to do so or else my account would continue to gain fees. 

Through this whole experience not a single customer service rep was helpful and provided a terrible experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Fraudulent charges were made to my credit card and the Capital One is holding me responsible for the fraudulent charges. 
The fraudulent charges were made in XX/XX/2020. I have notified Capital One in writing of my dispute but they are still saying the charges are mine. 
There are {$1600.00} in fraudulent charges. I've disputed the charges by phone in XX/XX/2020 and in writing on XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
According to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, credit bureaus and credit reporting agencies have an obligation to investigate and remove erroneous information from a consumers credit report. On XX/XX/2018, I sent a validation letter to USAA Savings Bank requesting validation for this account that I believe was placed in error. I received a response on XX/XX/2018 and rather than providing documentation with original contract bearing my signature proving I had a contractual obligation to pay the debts in question, they provided account statements for this account. Therefore, the accounts had not been verified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Checked email and saw multiple charges on PayPal to someone going by XXXX XXXX ( XXXX ) for a total of XXXX GBP. I have since changed security on my PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC State Bar. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from credit file.

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 2018-09-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We had a vehicle financed through Wells Fargo. In the early part of 2018, that vehicle was involved in an accident and totaled. We had full insurance coverage, plus gap coverage on the vehicle. We promptly file claims with both insurances, and settlement funds were issued to Wells Fargo promptly. We spoke with Wells Fargo several times after they received the insurance funds, and we were assured by them that the account was completely resolved. They said that we no longer had any liability with Wells Fargo. In XXXX, we discovered that Wells Fargo was still reporting that we had a balance owed for {$960.00}! In addition, they were still reporting that the account was active, as well as past due! We have disputing this issue with Wells Fargo for months now, but they refuse to correct our 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: NJ
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 is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed from my file. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: MN
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: PHH Mortgage Services Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I 'm attempting to refinance a home equity line of credit with XXXX. XXXX pulled a property title report showing an unresolved lien from XXXX from XX/XX/XXXX as well as the current mortgage, which was acquired by XXXX in XX/XX/XXXX.
I e-mail 'd XXXX XX/XX/XXXX, to request the lien be released. I received an e-mail reply from an XXXX XXXX that this request had been prioritized with the Lien Release Team and would be completed in 30 business days.
OnXX/XX/XXXX, I e-mail 'd and requested a status. I received a reply from XXXX XXXX XXXX that the request would be completed in another 15 business days.
On XX/XX/XXXX, I spoke with a XXXX XXXX at XXXX, x XXXX, who told me the lien release request had supposedly been escalated after my last e-mail, and he would call me back within 1 business day. I never received a return call, nor has he responded to v-mails I 've left since.
On XX/XX/XXXX, I opened a complaint with the Delaware Attorney General 's Fraud and Consumer Protection Division and e-mail 'd XXXX and advised them I 've filed the complaint. I have not received any response from XXXX.
The AG 's office suggested I contact the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Approximately two month 's ago I was informed by BMO Harris Bank of ( XXXX XXXX, WI XXXX ), by a teller that I had extra account ( s ) in my name ( showed up under my personal account information ). Estimated date was XX/XX/XXXX. I dismissed that info provided by the teller ( thinking it was an error on the teller 's part ). one week later, I went to BMO ( same location ) and performed a transaction inside the bank. Upon making a withdrawal from my individual checking acct the teller had asked me which acct I wanted the funds to be pulled out of? My individual acct or my premium money market acct. I declared my individual acct. After the completion of that transaction I requested to speak with an acct representative. The rep ( XXXX XXXX ) is whom I spoke with. I had inquired with Ms. XXXX about obtaining some deposit history to my individual checking acct. When Ms. XXXX opened my acct information, an additional acct showed up ( MM Acct ). Ms. XXXX inquired, which acct? I said the individual checking. She said the info that I requested would take a few days to acquire the documents. Then, I requested information on the ( MM Acct ), that is or has my name and personal info attached to the acct ( as it appears each time I utilize the bank for a transaction ). Ms. XXXX played down my inquiry. Refused to disclose the acct holder 's name, refused to release any info to that MM acct that has/had my name on it. I became angry, angry in fear of someone having my acct information, utilizing my name on an acct that I did not open, that I did not provide a signature to the acct. I'm in fear of being held responsible for fraudulent activities. Ms. XXXX, only stated that I maybe receiving a small inheritance., a beneficiary possibly. THIS WAS NOT AN ACCEPTABLE RESPONSE! ... Now, on XX/XX/XXXX I spoke with acct rep Mr. XXXX XXXX, I had made an inquiry about the mm acct. The rep stated there was no other account showing up other than my own two ( individual checking & savings ). This tells me an acct representative move that mm acct off of ID, but it does not assure me that my name is removed from the mm acct and a CD acct. I expect absolute assurance that my name has been removed from these acct 's, ( not just moved off my ID and placed on a different board whereas it no longer shows up with my board/ID.

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 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION 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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$580.00}

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