BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: National Medical Administrators, Inc
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bought male supplement online with credit card for {$75.00}. It came in the mail, no problem. Then I got a letter from National Medical Administrators , Inc. saying their office has been retained by a creditor XXXX XXXX XXXX. They are trying to charge me an additional {$110.00} for this product XXXX XXXX XXXX. I should have checked them out. When I did check them on the XXXX XXXX XXXX, the were a lot of complaints of the same thing. Total intimidation scam. Tried to contact them, but got nothing, but a run-aground. Here is their information. NATIONAL MEDICAL ADMINISTRATORS , INC. XXXX. XXXX  XXXX, XXXX, GA. 
TOLL FREE # XXXX XXXX # XXXX FAX XXXX, XXXX CREDITOR : XXXX XXXX XXXX. Date received letter XX/XX/2021. My bank has been notified of this scam. I TOTALLY refuse to pay additional money for something I already paid for. These FRAUDULANT people MUST be STOPPED! Signed, Very angry XXXX XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During XX/XX/2021 : XXXX XXXX  stored my cash at Citizens Bank as part of a sweep feature of a Cash Management Account. The cash was FDIC insured and incured interest. My XXXX Cash Management Account was compromised and unauthorized withdrawals took place, which included the EFT and Debit withdrawal of cash from Citizens Bank to another bank. XXXX XXXX claims they are regulated under FINRA and do not need to follow CFPB Consumer Protection laws, even though it was stored at Citizens Bank and advertised the program as regulated by federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo notified XXXX XXXX the escrow shortage amount in XX/XX/XXXX. Each year the escrow shortage has been less than {$400.00}. This year the amount is over {$1400.00}. I requested an answer from the institution and they responded with an answer that was not related to the question. I asked how could you project my Mortgage Insurance Premium high for XX/XX/XXXXwhen it decreases each year? They responded with an answer related to my property insurance. This also decreased. I have the statement and emails to show this escrow amount is incorrect. They are trying to load their losses on people who they think do not pay attention. 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 2020-09-22
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: PASCO, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All monies owed to XXXX XXXX XXXX have been paid through allpaid.com per their instruction. 

I continue to be pursued by CELCO for the same figure paid to allpaid.com, despite having explained this and providing dates and amounts of payment. I assert it is the responsibility of CELCO to confirm this debt. As of now, they have only provided an amount owed and name of alleged original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2021-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not mine: FCRA violation

XXXX XXXX XXXX
Closed
XXXX potentially negative months
Account Info
Account number
XXXX
Account status
Closed
Date opened
XXXX XXXX XXXX
Account type
Credit Card


XXXX XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX
Account number
XXXX
Collection opened
XXXX XXXX XXXX
Account type
Collection

XXXX XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
Account Info
Account number
XXXX  Collection opened
XXXX XXXX XXXX
Account type
Collection

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 2017-12-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX XXXX, my loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services. My name is XXXX XXXX. I am the heir of the estate of XXXX XXXX. 
When my loan was with XXXX XXXX XXXX, I submitted all the paperwork necessary to change the ownership to read ESTATE OF XXXX XXXX. 
I was able to speak on behalf of the loan and conduct all transactions. 
Upon the sale of the loan, after the welcome letter, the entire ownership revereted back to read XXXX XXXX. 
I called Carrington in XXXX, XXXX XXXX and sent a QUALIFIED WRITTEN REQUEST to them AGAIN providing the death certificate and proof that the ownership is wrong based on XXXX XXXX XXXXXXXX. 
They have to date NOT changed the ownership, asked me to place a password on the loan on XXXX/XXXX/XXXX, which I did do and NOT HONOR it. 
They have charged me a {$9.00} automated violation fee which I did not authorize and I am NOT in foreclosure, so no fees should be assessed to me. This should be refunded. 
Finally, I can not even get information from them, they speak in circles. Today, XXXX/XXXX/XXXX, I tried to resolve this with XXXX, and he would not give me ANY INFORMATION. Even though previously they had confirmed they received all the documents regarding my fathers XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a voicemail today ( XXXX/XXXX/XXXX ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from XXXX XXXX XXXX. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, my father, before he died struggled financially ... he obtained a bad loan modification of which I inherited with PHH. 

PHH denied my application because I've kept the account current The rate is 4.75 which is too high..most of my monthly payment goes toward interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I, XXXX XXXX, have a mortgage with US Bank Home Mortgage loan # XXXX. As long as this agency is involved they pretend to do what is right as soon as you all close the case they are back to their old antics. They have been sitting on {$34000.00} in a restricted escrow account and never told me my interest. Every time I ask for my pay off they come with lies. I sent them {$3000.00} on XX/XX/XXXX from my XXXX XXXX  account. Then I was prepared to send them {$950.00} tomorrow XX/XX/XXXX, they sent me a letter on XX/XX/XXXX and a different letter today XXXX stating something different. I want the American consumers to see how lowdown and dirty US Bank Home Mortgage really are.

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 2021-01-25
Company: CITIBANK, N.A.
State: DE
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:
I learned on XX/XX/XXXX that my Macy 's store card had over {$8000.00} in charges from a phone call from their billing department that my bill is past due and over the limit. I was outraged, I had not used my card in over 4 years at this point and it had a XXXX  balance. I explained to them that I had not received any bills via mail or email. I immediately asked to be transferred to their fraud department. I spent the next 2 weeks talking with different people in their fraud department. It was told to me that someone had been making minimum payments and had changed all the information on the account. They would not tell me anymore information!! I filled out every form they sent me and faxed back. I could even prove I was in a different part of the country when these charges were taken place. I even explained to them that I only used the card to make in-store purchases at Macy 's, all these are charges being told to me were everywhere but Macy 's ( the card was backed my American Express ). Macy 's Fraud department asked me to get a police report. They were supposed to send me a copy of the charges from the time we determined I had no longer used the card so I could use that for getting said Police report. ( still waiting for the copies as of XX/XX/XXXX ) On my last call they asked if anyone had been authorized to use my card, I said my wife was when I first opened the card and I had removed her since I had stopped using the card. They told me that was in there system ( Notated previously ). I called back and their department had been shut down due to Covid 19 in XX/XX/XXXX. I called back and was still getting transferred to other departments because the fraud department was still not online. I want to say end of XXXX or beginning of XXXX I received a phone call from Citi bank who was trying to secure this Debt for Macy 's. I proceeded and told them this was all fraudulent charges and I had been speaking to Macy 's fraud department. Every time I called Macy 's to try and talk to someone I was transferred directly to Citi Bank collections. Fast Forward to XX/XX/XXXX, I received a letter from another collections company about this same debt. I called the number on the letter and talked to the person on the other end explaining to them about this whole situation. The first week in XX/XX/XXXX, I received a letter from Macy 's saying my fraud claim had been denied and I am liable for all charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
EXPERIAN IS IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, HERE ARE THE LIST OF THE ACCOUNTS : XXXX XXXX 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 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently pulled my credit report, on XX/XX/XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, XXXX and TransUnion on XX/XX/XXXX and every 30 days up until presentXX/XX/XXXXI asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter 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 2022-02-17
Company: World Acceptance Corporation
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I sent a cease and desist letter to World Finance in XXXX, AL pursuant to my rights under the Fair Debt Collection Practices Act. The cease and desist requested that communication with me, as well as my family and friends cease in relation to any debts that the company alleged that I owe. Prior to sending the cease and desist I was contacted at my place of employment multiple times, in which I advised that I can not accept personal calls during working hours. The calls continued. On XX/XX/XXXX another family member was called. I then called World Finance in XXXX, AL advising them of the cease and desist that was sent - I also asked that they cease communication with me again. XXXX of World Finance again called me at XXXX XXXX  on XX/XX/XXXX via cell phone, and XXXX XXXX  on XX/XX/XXXX at my place of employment. I am well aware of the remedy and legal action that can be taken against debt collectors for the violation of consumers right, in this case my rights have been violated numerous times by the harassing behavior of this company. It has caused stress and turmoil to me at work, as well as stress to my family members for repeatedly being called after they asked not to be contacted anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XX/XX/2018 l paid for a membership with XXXX XXXX using my USAA Debit Card for {$40.00} l disputed this charge with USAA as months have gone by and XXXX XXXX failrd to provide the membership to me, the last communication by email l had was them telling me " you will hear when we hear '' so l disputed the charge and USAA send me a reply saying l was out side the time frame, l told them, the reasons as l am here and they refused to except it as a result of me not receiving the membership from XXXX XXXX l have lost the whole season to XXXX XXXX XXXX. I am asking your agencies help in resolving this, this is not a normal situation and USAA has to understand this, l am not trying to get free money from USAA but money that l work hard for and money l paid for a membership that l never received and will not receive now. So l am requesting that your agency help me in getting my money back. It sound like USAA wants to loose a long time customer over this and does NOT care that l am out of pocket for a item that was not provided to me by the organization that got my money and provided me with nothing over these months. 

Regards XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
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:
I want this late payment deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: IL
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-02-17
Company: EQUIFAX, INC.
State: GA
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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bought furniture with no interest for 24 months promotion. Paid all promotional balance via phone calls to avoid paying interests next year. XXXX promotional balance still showing despite paying it months ago. Called Macy 's credit card customer service XXXX to XXXX times to resolve issue. Last representative states that promotional balance {$850.00} is still owed and lectured me I have an attitude. I called Macy 's back few minutes later that day to close account when I realized what was going on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with LexisNexis Risk Solutions and they send me a form for consumer request information form it's like they don't want to take my dispute I sent them what I wanted to dispute email addresses all home address that are not mine phone numbers that are not mine insurance claim that is not mine why did they send me a form to request my report when I am disputing the report they just sent me

Company response to consumer: Closed with explanation