BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
RE : Medi credit inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX , Mo XXXX Date of Service : XX/XX/XXXX to XX/XX/XXXX At XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX Co XXXX This account has been purchased by Medi Credit and they now are in 100 % control of the account. During the last 1 year since the date of service I have tried to resolve this through numerous sources. 
1-XXXX  XXXX XXXX XXXX XXXX  XXXX. Mr XXXX XXXX XXXX XXXX XXXX at hospital. 
2- XXXX ( Benefits Adviser for XXXX XXXX ) XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Ms. XXXX XXXX Patient Advisor 3- XXXX XXXX XXXX . of Human Services ( Medicaid administrator in Colorado ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Senior account manager ) All 3 of these sources are not able what this {$1700.00} id to be credited to or what it is for? This was paid in full in early XXXX and the reversed. They do not know why? There is " No '' " Zero '' explanation of where it is allocated/credited to. I have had over 10 in-person meeting with all 3 of these administrators and they can not explain and furthermore do not believe that I owe anything after 1 year. 
Medi Credit it turns out is a collection agency that is repeatedly stating that they are working on behalf of XXXX XXXX which is simply not true. They have stated numerous times that they have resubmitted the {$1700.00} for clarification or medicaid payment which is also not true.

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 2021-03-04
Company: HW Holding, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield Inc. Has been trying to collect a debt from me for almost a year now in the amount of {$430.00}. This claim has already been disputed through XXXX  and XXXX and determined to be fraudulent and inaccurate. It has been removed from my credit report however I still get calls from this company everyday and now they are emailing me claiming I gave permission to communicate via email which is false.

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 2020-08-26
Company: ARVEST BANK GROUP, INC.
State: DE
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 have a loan with XXXX and ARVCNTRLMTG. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and ARVCNTRLMTG with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Wells Fargo Home Mortgage on Thursday XX/XX/2018 because Wells Fargo had charged me {$1700.00} for home owners insurance. I explained that I did have home owners insurance. The representative insisted that I had to get my insurance policy reinstated or I would be charged the fee to get my house insured. I gave the rep the name of my home insurance company name, policy number and amount that I paid. The rep said I would have to reinstate my policy and hung up the telephone.

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 2020-08-27
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$14000.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX {$390.00} XXXX XXXX {$2000.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$8200.00} XXXX XXXX XXXX {$3800.00} DPT EDXXXX XXXX {$300.00} XXXX XXXX XXXX {$4300.00}

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 2020-06-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or XX/XX/XXXX, I noticed I had misplaced my CareCredit MasterCard rewards credit card. As a result, I contacted Synchrony Bank via their website chat feature to inform them of my lost card and request a replacement card. After confirming a few details with me, the request was processed. 

A few days thereafter, I received notification from my credit monitoring servicer advising that my CareCredit MasterCard account had been closed. I quickly contacted Synchrony Bank to inquire why this is so when all I requested was a replacement card. Synchrony explained that my account was not actually closed but it was their policy to report it as " closed '' to all three credit bureau. I also asked if it was policy to advise their consumers about this consequence. They confirm that it was their policy. 

At that time, I advised them that I was NEVER informed that my account would be reported closed to all three credit bureaus as a result of me reporting my credit card lost and requesting a replacement card. If I had been told this information, I would have looked more carefully in an effort to locate the missing card. Because of this false information, my credit score dropped more than 20 points. In addition, since my request, I have not received my replacement card despite being told it would arrive in 7 to 10 business days. 

It is unfair for a credit card company to report inaccurate information to the credit bureaus and on top of that, make fixing this information contingent upon my official receipt of my replacement card. So because they're not going their job correctly, I'm punished to sit around and wait until this phantom replacement card arrives while my credit score and report suffer?

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 2019-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
COLLECTIONS {$2100.00} Reported balance PORTFOLIO RECOVERY {$2100.00} This account was in bankruptcy and closed out by XXXX. Once I came out of bankruptcy this is the only account that came after me reopening the account saying it was just opened. had phone calls with Reps at this company and was informed it was paid in full, when I asked for documentation and they sent the email ( not sure I still have ) that the account was paid it full ... they then came back and said oh, no we made a mistake it was a different account that was paid in full. I contacted them multiple times, asked that it be removed after I was told it was removed and paid in full. It is showing paid in full and closed with other reporting agencies. then they told me it was the wrong account that they told me was paid in full and kept it on the report. I also advised that I owe the IRS first with a tax lien of over {$20000.00} and am on a modified payment with them based on income. I have no money to pay that bill before I die, as the IRS has first shot at their money. 

Why is the account showing paid in full on other reporting agencies and they are keeping it open on some. Again it was in bankruptcy, they had the chance to appear in Bankruptcy court and stake their claim ( XXXX ) they did not and so account was closed. Portfolio reopened the account and said it was then opened after the fact which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018, was informed that my checking account was overdrawn and charged {$35.00}, in the past I have been told by Bank of America that as long as I deposited cash by XXXX local time into the account on the day I was informed of the overdraft that I would have this fee refunded. I was told by representative XXXX on theXX/XX/XXXX that that is true, but he could not refund the fee. 
I did put {$300.00} into the account on the XXXX at XXXX XXXX. This put me in the black on the 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 monetary relief
Consumer complaint received 2020-05-12
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I tried to make my online payment with TD Auto Finance web site it was not working correctly. I called TD Auto fianc and asked the rep if she could see I made a payment she said no so I made payment with Debit card. On XX/XX/XXXX I checked my bank and saw TD Auto finance had taken another payment thru my checking account. I called them the rep told me he we can call my bank and verify the funds I explained the funds posted today then he told me he can only hold 3 min and the wait time to speak with a rep at XXXX was 12 min. I I asked him how can I get my funds back he said I had to send a notarized bank statement to TD. I explained they took the extra payment they should be able to refund it. I went to XXXX branch and the financial rep there called TD to inform them yes funds were received and 2 payments were taken. The rep from TD Bank told the financial rep at XXXX it would take 30 days to get the funds back. I feel in these times with the Covid yes Im blessed to be working but still need my money back on their mistake and it should not take 30 days when they are a bank. I disputed the payment with XXXX my bank they will refund my money but now their will be fraudulent report with their billing system and it will block me from making payments going forward I will not do XXXX XXXX or XXXX XXXX TD Bank has to correct their policies so this does not happen again and customers should be able to get a refund with in 5 days not 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/XXXX or XX/XX/2019I received a credit alert stating there was a new hard inquiry on my credit. I immediately disputed it with Equifax because I did not authorize anyone to do this. A few days later while speaking to my sister, she advised me that she had spoken to XXXX XXXX NMLS ID # XXXX and he advised her of my credit score and some additional account information on one of my credit cards. 

It is now XX/XX/2019 and Equifax closed my dispute and indicated that it was accurate. Again I never authorized this, and my personal information was given to my sister who was not privy to this information. 

I want this inquiry deleted from my file and I want it noted that although XXXX XXXX was aware it divulged my personal information and credit score, they never reached out to me to make me aware of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt collection was added to my credit report without my authorization. I do not owe them any money. I attempted to call them to remove to the collection but they won't remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Context : We have XXXX XXXX ( XXXX ), a very happy customer of the car. Two days back, our tire got flat. My wife was driving the car with my XXXX kids ( XXXX year old ). Luckily the incident happened 1 mile from home, in the XXXX XXXX area. 

I was able to reach there after office and got roadside assistance through my insurance along the way. It turns our after waiting for roadside assistance : we do not have a spare wheel, we also do not have the kit to fix flat tire. After calling XXXX customer service : i was confirmed that there should be a flat tire kit atleast. 

Fast Forward, next day we towed the car to nearby XXXX XXXX, XXXX dealership. The dealership was very nice and took over the Flat Tire case. They fixed the car the next day XXXX. We also found out in the process that one more tire was bad. 

After 1.5 years and <8K miles on the road : the car has gotten into wear and tear. My wife did not hit any pothole/nails during her <1 mile drive from home. In the process of parking the car at a safer place the the tire got little more damaged. 

Note : The last we had filled air was 11 months back when we did our 1st year service at the same XXXX XXXX. I am suspecting the diagnostics on the car did not reveal low tire pressure. The dealership also confirmed the air pressure was low. 

Claim : XXXX should cover the wear and tear of the Tire and pay for the Fees charged by XXXX service since its a brand new car ( leased from them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Winklevoss Exchange LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened an account on XX/XX/XXXX, and account says it is waiting for verificaiton. In the interim, it has verified my bank by accepting multiple deposits, however, it will not allow me to remove my money due to " verification pending '' messages. I have consistently been sending support emails, and have even asked that my account be closed and all monies returned to me. I get the same canned response. Here is a sample. 

Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( https : //support.gemini.com/hc/en-us ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

Onward and Upward, XXXX Customer Support On XX/XX/XXXX, XXXX PM, XXXX wrote : i have sold everything, i need to be able to transfer and close this account ; your verification process is riddled with issues and i wish to take my business elsewhere. I need you to release my funds. 

-- -- -- -- -- -- -- -- -- Submitted from : https : //support.gemini.com/hc/en-us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Telsa Motors Inc
State: DE
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 have a loan with TESLA and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TESLA and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am so upset right now, I feel like I was deceived and taken advantage of. I had a collection which I received in the mail it was for an accident and my insurance paid for it. When I got another letter I simply just paid it because I didn't want it to impact me and the representative assured me that they would no longer report this account on my credit profile. And of course they didn't keep their word.

Two issues 1. this should have never even been sent in the first place since the insurance covered this bill 2. When I made the payment the representative assured me that it would no longer be reporting on my credit file. 
This both deceptive and misleading.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, XXXX Breach, XXXX/XXXX   Breach, XXXX XXXX XXXX Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having XXXX and Experian comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the XXXX breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and  credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this information.

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 2020-09-11
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:
There is an account on my credit report that appears as XXXX XXXX however I do not know what it is. Ive disputed the account with experian but they never share what information is being used to validate the account. Only result is Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This does not add any additional information or validate the account. Experian does not care about its duty to accurate reporting.

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 2018-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 looked at my report and saw inquiries that I did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Information belongs to someone else

Complaint:
There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX  - Bal : {$0.00} ( Equifax and XXXX  ) XXXX - XXXX XXXX XXXX  - Bal : {$1300.00} ( XXXX, XXXX, Equifax ) UNKNOWN - XXXX - BAL : {$75.00} ( Equifax ) XXXX XXXX - Bal : {$1000.00} ( Equifax ) XXXX XXXX - Bal : {$0.00} ( XXXX and Equifax ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX  - I was never 30 days late Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Maury Cobb, Attorney at Law, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone from telephone number XXXX continuously leaves voice messages on my answering service claiming to be attorney Maury Cobb, a debt collector. When I contact them on the phone to identify the debt the representative says they are attempting to find someone named XXXX XXXX. I have never heard of this person prior to XX/XX/2019. This harrassment has been ongoing for over one year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation