BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: Jacob Law Group, PLLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
My name is XXXX XXXX XXXX. I was audited by the Mississippi Department of Revenue for the tax years of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX and found to owe a little over $ 5K. I was notified of this debt in XX/XX/XXXX. I was in the middle of Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I also had no job. Unknown to me, my debt was turned over to the XXXX XXXX XXXX in XX/XX/XXXX but I was not informed until XX/XX/XXXX. I paid {$100.00} toward that debt via my XXXX debit card on the phone with the XXXX XXXX and received a confirmation email. It is also reflected on my bank statement. 

In XX/XX/XXXX, I received an email that in the opening statement says, " This will confirm that on XX/XX/XXXX, you gave our office checking information over the phone from the XXXX XXXX  XXXX XXXX XXXX per the SCAM outlined below. '' It is completely untrue and without merit. I ignored the email. On Friday, XX/XX/XXXX, I received a phone call from XXXX, Mississippi, from someone in the XXXX XXXX, verbally assaulting me regarding the " fact '' that I in XX/XX/XXXX I gave false banking information over the phone from the XXXX XXXX XXXX XXXX XXXX ; that I was part of a SCAM! I hung up, but not before I told the representative on the other end of the phone that I would report the phone call and the email to the Mississippi Governor 's office ( which I have ) and the Mississippi Better Business Bureau. I followed through with phone calls to both offices. 

These are the facts : 1. Until XX/XX/XXXX, I was unable to pay anything toward my debt except {$100.00}. 
2. In XX/XX/XXXX, I got a job with a sign-on bonus and offered to pay the original debt of $ XXXX to the Mississippi Department of Revenue and the XXXX XXXX. I was told that I would still owe a fee of over {$8500.00}, including the original debt including penalties, interest, and fees associated with the debt having gone into collection. I would still owe almost $ 4K, which I did not have. I was also told they would not negotiate any part of the debt until it had been in collections for at least one year. 
3. I am unemployed at present. 
4. I no longer live in Mississippi. 
5. I do not have the funds to pay the entire debt of almost $ 10K. 

I DO NOT APPRECIATE being accused of providing false banking information. I hold two current professional licenses as a physical therapist with fingerprints and have held six XXXX licenses in different states. My ability to maintain my license equates to my having nothing more significant than a traffic ticket or it would be reported to any and all state licensing boards. 

It is ABSURD that the State of Mississippi allows itself to be represented by the incompetent law office of The XXXX XXXX. 

I have documentation to support all of the above. 

Thank you, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Few months back tried to open up a checking and savings at Wells Fargo bank. And at the last minute I had to cancel because they found an excuse by which they could refuse to make internal transfers For me. And it was something very specific to my situation. Too much automation My finances were a tailspin I couldnt get control I couldnt put out the money fire because of what XXXX bank did to me. And they prolonged it.

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 2019-07-10
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company identifies itself as " Credit Managment '' Repeatedly and consistently every week day calls me between 5 and 10 times. They have been calling for months but the statistics listed below just count XX/XX/XXXX through XX/XX/XXXX. I've told them to stop calling me. I've told them to remove my number from their list. I've asked them send any correspondence through mail. The calls as you see, are endless. They call from several numbers, and that data is below as well. I would like to sue for XXXX per call, just from XX/XX/2019 until I get satisfaction and the end of their harassing calls. I've documented 29 calls below, but I can go back for months via my cell phone bill. 

Calls from XXXX XX/XX/XXXX : 11 calls calls from XXXX XX/XX/XXXX : 3 calls, XX/XX/XXXX : 1 call XX/XX/XXXX : 2 Calls Calls from XXXX XX/XX/XXXX : 2 calls Calls from XXXX XX/XX/XXXX : 2 calls, XX/XX/XXXX : 2 calls, XX/XX/XXXX : 3 calls Calls from XXXX XX/XX/XXXX : 1 call Calls from XXXX XXXX XX/XX/XXXX:1 call, XX/XX/XXXX 1 call

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
All of the credit bureaus have allowed the debt collection company, Portfolio XXXX XXXX to illegally report against my consumer credit files. XXXX, most recently verified the account. As a consumer, I am very aware that there are very limited choices that I can make in order to dispute these items and the reports favor the company over the consumer. They pay to be allowed to be able to report against consumer credit files and it shows when a consumer disputes illegally reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage 1 has yet tp provide my right thumb print as to California statue code as also anything dealing with real estate in the state of California Statue section code 8206 ( A ) ( 2 ) ( D ) & 1185 ( C ) ( 1 ) ( A ) - ( E ) appeared in person this are the California section code at the time I sign and in 2009 and current today

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 2019-07-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have paid the full balance {$390.00} on XX/XX/2019, I have a statement that has been sent to me that will be uploaded on Monday that shows this, I received a new statement the following month with a late fee of {$27.00}, I failed to realize that and contact the company about the late fee, also why would there be a late fee if I have paid the full balance, the company continued to add late fees to late fees, after which the phone calls started to convince me to pay the all the late fees, I have tried to explain to the people on the other end that it is not right to pay late fees to late fees and they should be reversed, but I was warned that if I did not take care of these there will be additional late fees, I would like Consumer Finance to investigate this matter as it XXXX fall in predatory landing practices, also they have added a late fee charge to my credit report, even though I was not late and the balance was paid in full. 
I have filed a complaint with XXXX, but they are of no help, they have closed my complaint without a resolution until 90 days pass and whether or not the business decides to respond after which they will try again, I guess?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX at XXXX Bank on XX/XX/XXXX and left a message. XXXX returned my call on XX/XX/XXXX and asked for screenshots of the reported balances on my credit report. I emailed the requested information on XX/XX/XXXX, called and confirmed they were received. I was told to give him a few days to research and he would call me back. However, I called XX/XX/XXXX to check the status and left a message for XXXX to call me back as I have not heard anything. This is a repeat issue Ive been having with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had a car loan with Santander Consumer USA since XX/XX/2016. I have paid it on time every month. Santander Consumer USA has only sparingly reported my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX  report from Synchrony Bank, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from XXXX XXXX  XXXX XXXX I disputed the XXXX  inquiry, however XXXX is requesting I send documentation from XXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be removed 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 2018-01-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2017 after the hurricane. XXXX XXXX told me i can stop paying the mortgage for 3 months because of the disaster then i can start paying again after the three months XXXX XXXX didnt tell me they wanted to modify the loan! I did n't ask them for a loan modification and they didnt ask me if I was interested in it they proceeded to do moduficstion without my consent and undrstanding of their process. I am scared and worried because of XXXX XXXX! 
I find them to be very misleading and dishonest. Now they are sending me a bill for over 1800 pet month!. I ghought they were going to add the three months to the back of the mortgage! 
They are very bad. I do not trust them. I wonder if others are having this problem as well. Please stop them from misleading homeowners

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CITIBANK, N.A.
State: CO
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:
Citibank ( who will be called Citi moving forward ) approved me for a their ThankYou rewards card in XX/XX/XXXX for a credit limit of {$4800.00}. I accepted and utilized their promotional balance transfer period for 0 %. I had been making payments on-time and over the minimum amount. I then received a notice that my credit limit had been reduced, due to information they found on my credit report ( I did not authorized them to pull a new credit report ). This occurred on XX/XX/XXXX. I called and had them reinstate the credit limit to the {$4800.00}, however, today XX/XX/XXXX I received another notice that my credit limit has been reduced yet again, due to a new credit report ( again did not authorize them to pull a new credit report ) and a " new '' reason for the reduction. Between XXXX and XXXX, I paid off the whole balance of the ThankYou rewards card, and until today, had {$4800.00} available. There is no legitimate reason for Citi to be continually reducing my credit limit and by doing so, is affecting my credit score. By altering my revolving credit on a continuous basis, I would be unable to apply for other lending services like a mortgage due to Citi 's continual manipulation of my credit limit. Citi 's continual manipulation of my credit limit, and by consequence, my credit score is a violation of the Fair Credit Reporting Act as they continually manipulate my credit worthiness. I have no missed payments on my credit report and have years of credit history, there is no legitimate reason for Citi to be manipulating my credit limits, credit score and credit worthiness. Citi, legally, does not have the legal rights to restrict me from other credit opportunities by manipulating the credit limits that were contracted in XXXX. As a consumer, I have satisfied my part of the contract by making timely payments and/or paying off the balances within the prescribed terms and conditions of the contract. Citi is not allowing me to have the freedom to utilize the credit limit that was originally agreed upon in 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 2017-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX, I received mail from XXXX XXXX XXXX about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account XXXX XXXX ( Please note : XXXX XXXX account 's last four digits for security reasons ].  Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/XXXX ; received XXXX/XXXX/XXXX ] a request to XXXX XXXX XXXX to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. XXXX XXXX XXXX has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt. Furthermore, in the event XXXX can sufficiently meet its 809 ( b ) statutory requirement to validate the debt, debts older than seven years are inoperative by positive state and federal law ( e.g. debt older than seven years and must be removed pursuant to the Fair Credit Reporting Act ; Maine & Massachusetts statute of limitations bar attempts to collect debts older than six years ).

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 2018-01-25
Company: Medical Data Systems, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

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 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Sunday, XX/XX/XXXX I deposited a Cashiers Check for {$91000.00} into my Bank 's, Bank of America, ATM. The bank is holding the money till XX/XX/19. 

It is my understanding that banks are required make the first {$5000.00} available in one business day. 

There has never been an overdraft with my account and the bank has received previous cashiers checks from the issuing entity with no funding problems previously.

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 2018-01-25
Company: EQUIFAX, INC.
State: NM
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:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Student Loan Care, LLC
State: PA
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:
In XXXX of 2016, Student Loan Care , LLC, contacted me via phone and claimed to have a relationship with the Department of Education and that they would take over my loans with XXXX XXXX XXXX and that I would pay them. XXXX XXXX and XXXX XXXX misinformed and misconstrued the nature of what Student Loan Care , LLC actually was. They said they could lower my payment, they would consolidate my loans, and have them forgiven. They never once stated that they simply were a paid paper filer doing a job that I was already doing for free. I was completely taken advantage of from the representatives, XXXX XXXX and XXXX XXXX, and told out right lies. For the past year, I was told I was making payments towards my student loan, not towards a service to have Student Loan Care , LLC submit papers for me at the cost of {$1400.00}. Student Loan Care , LLC is a scam and is taking advantage of students with extreme student loan debt who are seeking relief. They have messed up my loans with XXXX XXXX XXXX and have fraudulently collected money from me via their partnership with XXXX XXXX. I am contacting my bank and reporting fraud, contacting the attorney state general, and the credit bureaus about wrongfully and deceivingly taking my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Hi, I have filled a dispute on X/XX/2014 at Bank of America credit card for {$850.00} for XXXX XXXX which is not taken care of yet please help me out. 

Thank you.

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 2018-01-25
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX, we have a home mortgage loan with Caliber Home Loans. We were affected by Hurricane Irma in XX/XX/XXXX. Caliber told us that we qualified for a 2 month forbearance for the months of XX/XX/XXXX and XX/XX/XXXX. We were under the impression that our payments that were not made in XX/XX/XXXX and XX/XX/XXXX would be added to the end of our loan. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX we continued making our regular mortgage payments by calling in over the customer service line. Caliber stopped allowing us to pay our bill online and were required to either call in ( for a fee ) or mail a check. Each month our mortgage statements stated that we are delinquent although we were a part of the natural disaster. We were also charged a fee for an " inspection '' that we were not aware of until after the fact in XX/XX/XXXX. This was not disclosed when we started the forbearance by the representative who we spoke to. We were treated like we simply stopped paying our mortgage instead of being a part of the natural disaster program. The process was not as simple as they made it sound and in fact has caused a lot of hassle and complications. 

I spoke to an agent on XX/XX/XXXX in regards to our statements showing a past due balance and being delinquent to get a better understanding of the entire process. The process feels very deceitful because now we are forced to do one of two things : 1 ) Bring the loan to current status by paying the entire 2 months at once or 2 ) going through a loan modification which increases our loan length and our loan amount by thousands of dollars. The agent said that many customers were calling in with similar complaints. The representatives who enrolled us in the natural disaster forbearance did not disclose these additional details. It seems to be that Caliber is taking advantage of customers who suffered during a natural disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting an erroneous balance on a XXXX XXXX XXXX account that was a part of a bankruptcy. The balance should be reported as XXXX but is showing as {$19000.00}. This should be corrected as no money is owed to XXXX XXXX XXXX. I have disputed this with Equifax for many months and have attached the latest letter sent to XXXX XXXX XXXX along with the certified mail receipt number. 

Certified mail receipt number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX , XXXX ( XXXX XXXX XXXX ) sent a letter ( attached ) to collect and settle a debt and gave me 3 options. 
The 1st options was to pay a lump sum of {$4100.00} " a 70 % discount '' The 2nd option was to pay {$570.00} for 12 months " a 50 % discount '' The 3rd option was to pay {$50.00} a month " call for details '' I chose option 1 and sent a check for {$4100.00} to settle this account which they received and cashed out. ( Attached ). 
I was sent another letter indicating I owe an additional {$9600.00} ( attached ) This is a deceptive practice and a violation of the Fair Debt Collection Practices Act ( FDCPA ) by lying and incorrectly reporting this to credit reporting agencies. I checked my credit report and this debt was reported as a charge off by XXXX on X-XX-2015 in the amount of {$12000.00} and XXXX XXXX is reporting opened on X-XX-2015 in the amount of {$13000.00}.

Company response to consumer: Closed with non-monetary relief