BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent verification letter to XXXX XXXX XXXX on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Macy 's and Bloomingdale 's credit card information was stolen and used fraudulently in Pennsylvania at XXXX different XXXX location on two different days. I was completely unaware that my card was compromised until credit card services blocked it. I followed all the steps I was told by Macy 's and Bloomingdale 's Fraud investigation department to take, such as to file a police report, complete a fraud form and mailed it to them. After three months of so-called investigation I received a letter from them stating 'We regret to inform you that your claim can not be accepted as a fraud and your account is turned to a collection department ''. Let me to restore the sequence of events that '' lead '' to this conclusion after " thorough investigation ''. On XXXX XXXX, 2015 the criminals who have stolen my credit card information went to shop in Pennsylvania to a XXXX XXXX XXXX location, made a purchase for {$2900.00}. After this they went to a different XXXX location at XXXX, again in Pennsylvania, and made the same charge for {$2900.00}. The very same day on XXXX XXXX, 2015 I used my credit card to pay for lunch in XXXX cafeteria where I worked XXXX. This did not bother Macy 's and Bloomingdale 's credit card fraud department at all. After successful shopping at XXXX those criminal had a chicken lunch {$29.00} at XXXX and serviced a car at XXXX again, for {$75.00}. Next they waited and on XXXX XXXX, 2015 went shopping again to XXXX, again XXXX. XXXX XXXX XXXX {$2800.00} and XXXX XXXX XXXX {$3600.00}. The very same day I used my credit card to pay for parking my car at parking garage located XXXX were I was working from XXXX to well after XXXX. Macy 's and Bloomingdale 's store is shamelessly trying to pin {$12000.00} on me. Macy 's and Bloomingdale 's XXXX XXXX Fraud Investigation Department conducted so-called investigation and came to a conclusion based on a ''history and notes '' that this is not a fraud and therefore I have to pay fraudulent unauthorized charges on my account. XXXX sentence ''BASED ON HISTORY AND NOTES ''. 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 monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a account with Wells Fargo sometime between XXXX had money deposited into my account, never touched that money for 2 years, one day i decided to close that account and withdraw all my money because I had moved and there was no Wells Fargo bank nearby, when I went to withdraw my money from the Wells Fargo bank and close my account they said I owe them money to close the account, they had charged me all sorts of fee for not using the account and not using their cards, so they charged all fees and over drafted my account and resulted in negative balance, later I had to pay additional {$200.00} some to close out my 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 2022-02-04
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received an email XXXX that I was being billed XXXX from a PayPal account a product of XXXX XXXX. I called them at XXXX and the man named XXXX told me someone in XXXX hacked my account. He wanted me to open my browser on my computer which I refused to do, He then stated I can't help you and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XXXX XXXX, I noticed that my recent Apple Card transactions did not appear in my Apple Wallet as they normally do. The most recent transactions I was able to view were from XX/XX/2023. Transaction history does not appear online, nor anywhere else except Apple Wallet, yet I am still being prompted for payment, I can charge to the card, and interest accrues. I can do everything except see my transaction history. When I contacted Apple Support, they mandated that I have to update to the most recent XXXX in order to view an accurate transaction history. 

Transaction history should be viewable on the web AND the app, and users should not have to update to the most recent XXXX for simple functionality. I was never informed in the TOS nor by Apple that this was a requirement to view my own transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX who handles the Public Service Loan Forgiveness program ignored 6 years of service, because they told us we did not choose the correct loan. During those six years they never communicated that we needed to switch the loan to qualify. Instead they left us to assume that we participating in the loan forgiveness program. Payments starting in XXXX should have qualified for student loan forgiveness and instead we have been left to pay the full amount. They deceive borrowers who have limited understanding on how the forgiveness plan works due to the complicated bureaucracy of paper work, multiple websites, and requirements. We will now be making payments in till XXXX instead of XXXX, the additional 7 years of payments will significantly hurt our family 's financial security. Why are people who work in service of others being treated so poorly by their own government?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am opening dispute with Chime for failing to credit me and my {$1500.00} that they approved. They only gave me {$560.00} back. I called in to ask why they explained that my a.k.a. XXXX which they call the merchant refunded me the money, which was actually me withdrawing previously deposited money to offset what was lost in my account from my friend, using my account and losing my money. The specific incident happened in XXXX where my friend took {$1500.00} from my bank account and deposit it into a XXXX that I use. He traded with it and lost all the money chime saw me put money back into my account from said XXXX, and claimed it was a refund when in fact, it was me putting my own money back into my bank account that was taken out and lost by my friend through trades. Shame, even though being a said, financial institution, can not seem to comprehend how a broker works as they do not offer refunds. Ive had to call in aboXXXX XXXX XXXXes to get my ticket escalated. I have provided the correct documentation, such as withdrawals and deposits to prove that the money was completely lost, and I had to use previously depositing money to offset those losses, which were deposited to the broker from a completely different bank. Please help me get my money back. They owe me {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: CA
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:
I am a natural person I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: RentDebt Automated Collections, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. I have never had an account with these companies XXXX XXXX  XXXX XXXX  with Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are XXXX XXXX  XXXX XXXX  the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX and XXXX I was a victim of fraud. Someone stole my social security card and state ID, and then opened fraudulent accounts in my name. I have a police report when my identification was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: MOHELA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint against the Missouri Higher Education Loan Authority ( MOHELA ), alleging a violation of the Family Educational Rights and Privacy Act ( XXXX ), specifically under 20 U.S.C. 1232g ( B ).

I am concerned that MOHELA may have breached the privacy rights afforded to students and their families under XXXX by disclosing personally identifiable information without proper consent. As outlined in XXXX XXXX. XXXX ( B ), educational institutions and associated entities are required to obtain written consent before disclosing personally identifiable information from student education records. 

I believe that MOHELA 's actions may have included unauthorized disclosure of information, which potentially violates the privacy protections outlined in 20 U.S.C. 1232g ( B ). This matter is of great concern, as it pertains to the privacy and security of sensitive educational and personal information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this alleged violation by MOHELA. If the investigation confirms that MOHELA has indeed violated the law, I urge the Bureau to take appropriate actions to ensure compliance and protect the rights of students and their families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: PA
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:
What is wrong with all of you? 

When XXXX thing is corrected on my XXXX account more false information is submitted by XXXX. 

There seems to be no credibility in the XXXX XXXX XXXX  reporting. 

XXXX is corrupt. 

How many times do I have to continue to report XXXX 's false information reporting to the XXXX Credit Bureaus? 

The student loan payments are current! XXXX has the correct information. Stop reporting the payment status on any month of any year is unknown. That is a XXXX lie. 

Stop reporting false information on my credit report and make XXXX report the truth! 

XXXX know the truth! 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: NY
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:
My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last XXXX XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York XXXX XXXX. 
They told me they did not verified because Case was Dismissed Experian Use 3rd Party to verified this account. 
This account must delete from my 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 explanation
Consumer complaint received 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 have a Bank of America credit card that was copied in some way and used in multiple locations, counties and cities. The charges were for large amounts and if you look at my spending history, I do NOT spend money like this. The charges also took place while I was teaching high school and I can verify that I was at work. 

I have called the Bank, opened XXXX claims and both times were denied stating that I either used my chip, signed for the merchandice, or a pin was used. 

On XXXX and XXXX the person went all the way to XXXX and then to XXXX and then to XXXX spending money. On the XXXX I was teaching in my classroom. This is either a person who made copies of my card or decided to travel all over in a day. 

On XX/XX/22 the person went to a XXXX store in XXXX which at that time I was teaching high school. XXXX is an XXXX drive from where I live and I have never stepped foot inside this store. 

Two of the places that were charged included XXXX XXXX and XXXX. I have credit cards for both department stores and get rewards when I use my card there. I also only shop online at those stores. The amount spend at XXXX on XX/XX/XXXX was {$530.00}. If I were to spend that much money I would have used my XXXX card. The same day the person went to XXXX twice and spent {$200.00} and then {$190.00}. I was never notified that XXXX was spent all at once. 

There are also a variety of small charges to food places and a storage unit. I tried calling all of these places and did not have luck because they do not have video footage. 

Now I am spending my free time, working with police, stores, and paying huge late fee 's as well as interest charges because B of A will not reverse anything.

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 2020-01-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing continuously misplaces my mortgage payments or cashes the check and its not posted to my mortgage account. I have to pay 2 monthly mortgages sometimes and hope one of them gets posted. I have never missed a payment in over 20 years and they are making it harder and harder to submit a payment, its a complete nightmare. I have tried contacting them its a vicious circle. I pray they will sell my loan tired of the stress. Please Help Me

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 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We obtained a loan for a mortgage from XXXX XXXX Bank. On or about XX/XX/XXXX XXXX XXXXXXXX XXXX transferred our mortgage to Countrywide Home Loans. We had issues with Countrywide Home Loans not properly paying our home owners insurance and escrow taxes for the home. We were forced to over pay due to making additional home owner 's insurance and tax escrow payments because of Countrywide 's error. Later on when Countrywide started to make payments for the escrow taxes on said loan, they made these payments to the wrong county and town. We again were forced to make addition payments. In XXXX we made an attempt to payoff our mortgage with Countywide Home Loans. Because of the discrepancies Countywide Home Loans caused us, we elected to have this matter sorted out and resolved in a hearing with a referee. We had officially paid off our mortgage with Countrywide Home Loans in XXXX. The final payment was made on XXXX XXXX. We received paperwork from Countywide Home Loans releasing us of our loan obilagation with them, as well as , county clerk recording documents. We were told by Countrywide Home Loans we had a credit balance in escrow and that payments for our account would be made accordingly until depletion and at that time bills would be sent directly to us for payment. The issue which is now pending is that in XXXX of XXXX we were served with a foreclosure proceedings from XXXX XXXX. This is now XXXX ( XXXX ) years after we satisfied our mortgage with our lender, Countrywide Home Loans. We are unsure why there would be any foreclosure proceeding made against us. We can not wrap our heads around this and make sense of why this is happening to us. We are unsure of all our options. Any help and guidance your department may lead us to would be deeply appreciated.

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