BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To whom it XXXX Concern, I recently purchased a home and had a " mortgage XXXX XXXX '' try and help me. When I showed up to the closing after a year long process. I found out that the mortgage loan processor had overstated the loan and gave the seller an extra XXXX for the sale price. My lawyer was shocked and she stated this never happens. I asked him for help his name is XXXX XXXX he said there was nothing we can do that the seller would have to give me the money That is illegal, so now I am invested into a house that was originally being sold for XXXX to XXXX. I was told that this money would be coming to me, so I invested money into the home, that the seller should have invested in. This is not right, I should not have to pay interest on a loan, that was not stated correctly. I feel I was backed in a corner to sign. Also XXXX said he would try and help and he never did.

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 2021-04-16
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX I had XXXX at XXXX XXXX XXXX XXXX. Before my XXXX my insurance agent and I looked through my benefits to see what my responsibility would be and there was a maximum out-of-pocket expense of {$1000.00}. I had complications from the XXXX and ended up back in the hospital ( another {$1000.00} out of pocket ) and had a long recovery. After I recovered I looked at my bill and it showed I owed close to {$4000.00}. I called the hospital to inquire about my bill and was told that my lab work was sent to a lab outside my network so I had to pay for them as they weren't covered by my insurance. That didn't make any sense to me as I had no control over what lab my blood work was sent to. I was also told that my account had gone to collections so the hospital couldn't do anything. I never received any mail or phone calls from a collection agency. It's possible that they contacted me at first but I haven't heard anything from them for years. I assumed that the incorrect billing was fixed, re-submitted to my insurance company and paid. 
Recently I was refinancing my house and saw my credit report and saw that these charges were not only still on my report but that they've been charging me interest. I called Progressive Management to inquire about the debt and told them I'd be happy to pay the {$2000.00} that I owed. They said they couldn't negotiate with me or do anything because the hospital owned the account. This, after the hospital told me they couldn't do anything because it went to a collection agency. 
The charges are all from Progressive Management : {$790.00}, placed for collection XX/XX/XXXX XXXX originally {$550.00} XXXX {$3600.00}, placed for collection XX/XX/XXXX XXXX originally {$2500.00} XXXX {$940.00}, placed for collection XX/XX/XXXX XXXX originally {$670.00} XXXX So what started as incorrect billing in the amount of {$3800.00} is now ( with interest XXXX {$5300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is on my credit report and I have disputed this debt several time. I never lived at the apartment complex. I sent in information where I lived during that time; such as driver 's license and water bill. The credit bureau told me that was not the proof I needed. They said that I need some type of documentation from management. The people that owned the complex does not own it anymore. So, I called the debt collection agency and I explained to them that I did not owe that debt because I never lived there. I told the lady that was on the phone that it was identity theft and i am not going to pay that bill. She was very rude and did not want to hear anything that I had to say. So, I called a second time and I was transferred back to the lady and I asked her for documents to see what she has that I owe the debt. She said that she could not give that to me. She told me to call the police and refuse to talk with me any further. So, I wrote a letter with the consumer protection information on it telling her I would like a copy of the documentation, least agreement and any other information so I can see if I owe this debt. I also asked for their company information. The letter was sent certified on XX/XX/XXXX. They received it on XXXX XXXX. I have a copy of the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The problem is that the XXXX credit card company is reporting that my account was derogative on XX/XX/XXXX and it was delinquent on XX/XX/XXXX and XX/XX/XXXX. I am disputing these reportings because every month I have made payments except for the month of XX/XX/XXXX but I made payments on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have gone to this company ( Easy Money ) in XXXX, Tn. XXXX about my account. I took this loan out on XXXX XXXX, XXXX, I have been making monthly payments of {$170.00} or more each month. The amount of money that I received was {$900.00}. I have asked the manager at this store about why is balancing going up each month. I have paid on this account $ XXXXWhen I got this loan, it was told to me that the loan would be for 1 year. I received a statement that my balance is still {$910.00}. I did not make a payment on this loan in XXXX, XXXX because I had paid on it for a year. I went to the store and talked to the manager in XXXX, XXXX about this. she told me that I would have to talk to the Corporate Office, I asked for the phone # for the Corporate Office but she said that she could not give it to me. I went back to the office on XXXX XXXX, XXXX and I complaint to one of the associates, she then gave me the corporate Office #. I called the office but I could not get any resolution in talking to one of the customer service rep.

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 2019-08-06
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:
i keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. XXXX 'S Never had this card or account.

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 2022-03-07
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: Their investigation did not fix an error on your report

Complaint:
I contacted the FTC about the unknown data that appears on my Experian Credit Report. I was advised to resubmit my dispute to Experian and include my police report, FTC Report and other information to assist the bureau with my dispute. I did. 

I sent a dispute priority mail on XX/XX/22. I received an email and new credit report from Experian advising me that the 3 accounts had been removed on XX/XX/22. 
Please See inserts. On XXXX I received an alert that my score dropped the accounts had been reinserted to my credit. Then on XX/XX/22 I received and alert that the accounts had been DELETED. 
When I log into my account the accounts are still there. 

This is very traumatic and an emotional roller coaster for me. For example, I disputed my XXXX account as not being late. Experian came back and said it was verified that I had been late. I was not able to reach anyone by phone at XXXX XXXX XXXX so I sent them a letter. I received a call back from a XXXX about 3 weeks later to inform me that sent out a letter on my behalf to update the error. I sent it to Experian they removed the 30 day and they have now put it back on my credit. I have enclosed the letter and the envelope it came it to prove the letter came from them. 

I am requesting that Experian delete/remove fraudulent account from XXXX XXXX and not put it back on my credit again. 

Remove Fraudulent account from XXXX XXXXXXXX XXXX XXXX XXXX and not put it back on my credit again Correct the 30 day late on XXXX XXXX XXXX XXXX and not put the 30 day late on my credit again

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 2017-12-28
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over the past few days I have been involved with my credit report and noticed that there was a collection on my report that I am not aware of. I called the original creditor to get more information on this debt, and the information that was provided was not accurate. I also looked up the creditor online and noticed that this creditor is located in XXXX  FL, where I have never been. I also noticed that this hospital debt is a HIPPA violation even if the debt does not belong to me. I have never been to XXXX XXXX XXXX  nor do I owe XXXX XXXX XXXX any debts.

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 2021-10-17
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX at XXXX XXXX  I was transferring funds to a company using Cashapp ( Square ) to a company for service performed. The cash app name provided was duplicated by someone and they received the funds instead. I immediately contacted cashapp and the person receiving the funds to have the funds returned to my debit card. The unintended recipient rejected my request to return the funds and cash app support declined to help return the pending funds back to my account. I have reached out to my financial institution as well with no help provided. I feel that the fraudulent act is not being investigated by cash app as they are unwilling to help with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received separate communications from Portfolio Recovery Associates , LLC, dated XX/XX/XXXX and XX/XX/XXXX, for attempts to collect an alleged debt. I have never given my consent nor do they possess the express permission of a court to communicate with me as a consumer. My rights as a Consumer have been violated in this and so many other ways by the unfair and unethical debt collection practices of Portfolio Recovery Associates , LLC. 

I was not employed at the time of the initial communication, so it arrived during a particularly inconvenient time for myself and my family. Additional strain was added to an already stressful situation through the use of abusive and profane language, not to mention the false representations made throughout this communication. 

The communication dated XX/XX/XXXX lists " account offers '', yet I have no account with this company. The balance is listed as {$2300.00} with 6 monthly payments of {$390.00} or 12 monthly payments of {$190.00} paying the full balance. However, there is a " savings plan '' using the following verbiage : 1 payment of {$1300.00} and save {$1000.00} ; pay {$220.00} for 6 consecutive months and save {$1000.00} ; pay {$110.00} for 12 consecutive months and save {$980.00}. The communication goes on to say they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX. 

Portfolio Recovery Associates , LLC, willfully decided to violate my consumer rights AGAIN. The communication dated XX/XX/XXXX used different amounts in the " savings plan '' : 1 payment of {$1400.00} and save {$950.00} ; Pay {$240.00} for 6 consecutive months and save {$900.00} ; pay {$120.00} for 12 consecutive months and save {$850.00}. This version of the communication states they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX. 

These communications clearly demonstrate the WILLFUL abusive, deceptive, predatory and unfair debt collection practices employed by Portfolio Recovery Associates , LLC. These practices have largely contributed to the instability of my marriage and family structure and definitely invaded my privacy whilst trying to stabilize them again. 

I am eagerly anticipating the return of the Certified Mail Receipt from the Affidavit and Invoice sent to Portfolio Recovery Associates , LLC. It is simply mean, heartless and downright evil to willfully prey on people that are doing the best they can to keep themselves and their families above water. Shame on you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Online fraud report Account # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/XXXX around XXXX, I got an email from XXXX XXXX saying that a wiring of {$24000.00} from my account # XXXX has been confirmed. As soon as I got it from my cell phone I called XXXX  XXXX to let them know that my account seems to have a bridge and tell them that it was not from me and they need to stop any transactions from it that day. Later I saw that {$24000.00} was wired to a XXXX  FED # XXXX XXXX Chase XXXX XXXX XXXX XXXX # XXXX Trn # XXXX Rfb # XXXX. After talking to the wells fargo rep, She checked my phone #, address, pin # and text me a code to verify my identifty. She told me that they can't do anything right now and I need to go to a wells fargo branch and tell them to call them back directly to verify my identity with picture ID. I went to 3 branches in all of them they told me that they are busy and can't help. I have to go a branch in XXXX to get help where they told me that this was done online and they stated that I did send money to my brother to buy a car. I don't even have a brother at all, without my knowledge or approval. I told them they need to cancel all my transactions that day to prevent any payment. At the branch, they took my ATM and destroy it in front of me and close my account. What I can see that XXXX XXXX bank didn't try to do anything that day because if it did, that person should alert JPmorgan bank to do not disburse money at all. After 20 days of investigations, I got a letter from XXXX XXXX saying that wiring was done by me or somebody I have giving authorization. I think they are wrong on that because I have never wired nobody money online since I opened my account in XXXX. Please help in investigating with local police where this happened. Usually even when I want to buy in local store if I try to spend more than {$500.00} I will get a message saying that I need to call XXXX XXXX to confirm it's me. I was curious why they allowed to wire that much amount without verifying with me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute with Experian about account number XXXX reported by the XXXX XXXX XXXXXXXX XXXX.in a amount of {$880.00}. I told Experian that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-16
Company: Winklevoss Exchange LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I have made four requests with Gemini.com starting on XX/XX/XXXX to solve this issue but there has been zero response from the company via phone or email other than automated emails saying they will get back to me. 

The problem is they are not allowing me to withdraw or transfer any funds due to a technical glitch ( I believe ) and I need these funds. The current value is approximately {$22000.00}. 

I do not know who to contact since the company will not respond in any way. My email on file with that account is : XXXX and I have a full verified account and have completed all KYC over a year ago. I have used this account for over a year to buy crypto without any issues but when I want to take the crypto out I have this problem. 

The company also continued to withdraw funds from my bank even after cancelling auto draft but I was able to solve that ( I think ) by contacting my bank, XXXX, and they put a stop to all transaction with Gemini.com Please respond via the email in this message. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I signed a waiver to opt out of the bank paying for purchases whn the funds are not available. Wells Fargo allowed an XXXX charge for {$10.00} be paid with only a {$1.00} in my account. I have another checking account now Wells Fargo is charging me {$35.00} for a {$10.00} charge that should have been decline

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX BOA offered me an incentive under the Home Affordable foreclosure  Alternatives program that I qualified for. I was going through a very difficult divorce and had XXXX children, a full time job and no child support. This program offered me incentive money and debt forgiveness that would not be taxed by the IRS. However, BOA filed a XXXX misc. instead of a XXXX, and now the IRS is after me for nearly {$4000.00}.

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 explanation
Consumer complaint received 2017-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to log into my account with Capital One for my credit card to view my transactions. I was directed to a screed to verify my contact phones, email and then the 3rd box I am asked to disclose my income and employment status. The information is mandatory and would not let me bypass. I called customer service and then escalated to a supervisor. No one could provide me the information I asked for which was under what authority, or requirement was this " bullying " tactic imposed on my account. I was told they wanted this information for offers and/or limit increases. I would agree this information should be provided if I asked for an increase, but I did not! 

I have never received a notice disclosing I would be required to disclose this information on an ongoing basis! I have had this card for 15 years or more. This is the second time I have run into this type of practice by a bank/credit card company. This should not be imposed on the consumer when we have been forced to online activity by banks and then they force the consumer to disclose what ever information they are seeking or deny access to your account which includes paying your bill! 

I am upset enough I will look for another company and close this account, but the real issue with this is this affects the consumers credit rating. In my case this card has a high limit, I have had for 17 years and in good standing. Closing this card will lower my credit score! I would rather bury my money and never have to deal with banks again, the login, fraud, breaches, the extreme hassle of calling for access, the wait times ... Oh what a joy!

Company response to consumer: Closed with explanation