BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: Seattle Service Bureau, Inc
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a call from XXXX XXXX on XX/XX/19 from XXXX XXXX XXXX, he advised me that he was collecting on behalf of XXXX XXXX XXXX XXXX to recoup/collect XXXX as a result of claiming that I didn't have auto insurance and hit XXXX XXXX 's driver. I had auto Creditor Placed Insurance on the vehicle by XXXX thought XXXX XXXX XXXX. Their letters do not specify what type of insurance was required. I was asked to provide proof of insurance in which I did. I was advised that he would have my license suspended and tags revoked. I requested proof of debt and have yet to receive this information. I requested information to appeal and/or dispute with XXXX XXXX and he advised me that I have no legal recourse or option to appeal. I called XXXX XXXX again on XX/XX/19 to discuss the concern of my license being suspended per his threat. He then suggested that I contact XXXX XXXX directly to discuss the concerns with them and advised that they may withdraw to continue collections. On XX/XX/2019, I mailed a letter to XXXX XXXX XXXX and XXXX XXXX XXXX to advise them to cease and desist. I submitted a letter of appeal with proof that I had insurance in addition to showing that their insured driver hit my car. I didn't strike their car. KY and VA is a no fault state. My insurance was through XXXX XXXX XXXX. My insurance paid for my car 's damages caused by their driver, and XXXX XXXX paid for their insured 's damages. I've provided the same proof of insurance to the police with no ticket or penalty. I am working on an assignment here in XXXX, XXXX yet my license is from XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On my most recent copy of my credit report, as of XX/XX/2019 I noticed that all of my Open credit  cards accounts that are in " good standings '' have been deleted from my credit file report. The following accounts have been deleted without my permission : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX 3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX 5. ) XXXX XXXX  XXXX XXXX CO 6. ) XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX  XXXX 9. ) XXXX XXXX XXXX 10. ) XXXX XXXX  XXXX 11. ) XXXX XXXX XXXX 12. ) XXXX XXXX XXXX 13. ) XXXX XXXX XXXX 14. ) XXXX XXXX XXXX 15. ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: D2 Management LLC
State: FL
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:
I have answered questions, given personal information, explained I am at risk for Covid-19 and dealing closely with XXXX XXXX   such as XXXX XXXX at this time and do not want to be called. They questioned me about debt which was at least 12 years old. I have filed bankruptcy in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Experian Information Solutions Inc.
State: SC
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 have hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XXXX, XXXX, XXXX and XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( XXXX, XXXX and Experian ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( XXXX, Experian or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.

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 2018-09-02
Company: PLANET HOME LENDING, LLC
State: IL
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:
XXXX is reporting an account named Planet Home Lending on my report as having a current status of 120 days past due when it should state closed and paid and they are showing account 120 days past due in history on XX/XX/XXXX. This account was closed XX/XX/XXXX so how is this possible after filing complaint with CFPB and waiting 30 days a response was sent by Planet home lending saying they arent reporting XXXX is and its XXXX responsibility to correct taking NO blame for negligent reporting but they stated they received a dispute prior to this and confirmed account so they confirmed these things then. Now XXXX  sends me new investigation results dated XX/XX/XXXX and once again Planet Home lending confirmed current staus of a 2 year closed account as past Due 120 days and show it past due on XX/XX/XXXX. This is rediculous. In mean time I am the one suffering because of this gross negligence of both parties XXXX and Planet Home Lending. I dont want to hear its not our problem from Planet Home Lending its XXXX  because XXXX just sent them in XXXX another dispute and asked them to confirm and the XXXX  ( Im sorry I say as I see ) including the guy who responded back to last complaint confirmed everything asked to this includes current status being 120 days past due and the past due occured XX/XX/XXXX some 2 years after account was already closed. So what will Planet Home Lendings excuse be now? What will XXXX  excuse be. like 2 peas in a pod both incompetent XXXX. Im not looking for any investigation as I have wasted a year with this account already. Both XXXX and Planet Home Lending have exactly 15 days to either remove account or correct to show current status paid and to remove the 120 late on XX/XX/XXXX history. After this amount of time maybe its time to let the courts handle and both can pay my legal fees and damages for their blatant negligence. This actually should also be forwarded to the FTC as they both have consistently reported incorrectly and refuse to fix each other blaming each other. Enough is enough. 15 Days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo Wise Visa Platinum Card is taking advantage of double dipping with interest rates on cash advances along with cash advance fees as well as interest on purchases. XX/XX/2018 is when I began noticing all the fees and interest rates adding up and my credit card balance not going down. I have tried understanding what they base their charges on when contacting them, but not being a banker or stockbroker, I have no clue what an Average Daily Balance is or what an Annual Percentage Rate does. If they would just roll one fee or one interest rate into what I owe, I could see the progress with my credit card balance going down instead of not changing after I make a payment which doesn't even seem to touch the principal.

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 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/8/20 I made a principal payment against my Heloc reducing the principal balance {$3200.00}. On the same day Bank of America reversed my payment and adding {$3200.00} back to my outstanding balance. I made this payment with good funds from my B of A checking account. 

B of A employees have indicated this is a systemic problem. Typical holds time to reach someone is usually an hour. This has been a recurring problem with B of A who seems unable to make the correct postings to my account. 

OnXX/XX/15/20 I spoke with B of A supervisor XXXX XXXX in NC at phone XXXX. She gave me 100 % assurance that this above problem would be resolved by XX/XX/XXXX. It is not. 

On XX/XX/16/20 I placed 2 calls to the number and no one answered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of XX/XX/2020, I have sent monthly letters to PORTFOLIO RECOVERY asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that PORTFOLIO RECOVERY to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Resurgent Capital Services L.P.
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
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: Account status incorrect

Complaint:
After several attempts to contact XXXX XXXX via phone and mail, they will not take the " charge-off '' off of my credit report, which has been sent to all four credit reporting bureaus. The amounts from XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX ) are paid in full as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). Please find attached documents showing that the paid amounts have been deducted from our checking account monthly. I have asked sent letters to XXXX and spoke with them on the phone, who have verified that the account has been paid off, but they will not help me since the account was sold to XXXX XXXX. I have sent letters to XXXX XXXX and spoke with them repeatedly on the phone, and they stated that because XXXX went out of business, they made my account a " charge-off '', even though it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX  & XXXX  credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX. XXXX XXXX challenge d A R Resources with An intervention using Legal Action for a Validation Demand on all credit Bureaus. 
They were required to remove them immediately. 
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to XXXX XXXX XXXX. XXXX entered the same debts in XXXX and XXXX XXXX. 
I have discussed this with them numerous times about the Legal Action. 
I have not been able to rent a place much less buy a car on credit since XXXX. 
Please can u do something about it perminatly. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card
Issue: Payoff process

Complaint:
I was offered a no interest account for the purchase of a new heating system by Wells Fargo home projects 2 years ago. I had a lump sum payment due last month that is listed on page XXXX of the statement. Instead of including the payment due in the payment information on the front of the statement they added a small box with the words Special Terms Expiration which did not include any amounts due and of course I did not see. When they calculated the minimum payment they conveniently assumed that I would not pay the lump sum, which resulted in the minimum payment on the front of the statement never changing, again to ensure that the statement would look identical to all of the previous statements. By doing this they managed to sneak the statement past me so they could charge me {$5900.00} in interest on the initial purchase price. When I complained about this practice they offered me a 25 % refund of the interest in the amount of {$1400.00} if I paid of the entire amount in the next 3 days of {$9900.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a legal order to hold funds in my account then my money is withdrawal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: GOLDMAN SACHS BANK USA
State: MA
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 made a purchase on XX/XX/24/20 through a company called XXXX XXXX. I purchased rose plants that were ultimately delivered on XX/XX/XXXX. The company has a 1 year guarantee on all plants, and the plants I received arrived dead. I contacted the company and they asked for documentation, pictures, etc, which I provided. The company denied my return claim. I opened a dispute with Apple Card ( through Goldman Sachs ) on XX/XX/XXXX, which was denied on XXXX because Goldman Sachs found that I made the purchase. That was never my dispute - I told Goldman Sachs that I made the purchase, my complaint was that the goods were delivered damaged. I reopened the claim on XXXX, and GS again denied the claim on XXXX because they found that the merchant had provided a credit ( the merchant had not ). I contacted GS and asked for proof that the merchant provided a credit because the credit did not appear on my credit card statement, and they declined to do so. They reopened the claim on XXXX and AGAIN denied it on XXXX. I contacted them on XXXX by phone and the customer service rep said that she was reopening the dispute for me, but it was never reopened. I contacted them again on XX/XX/XXXX and they are now saying that they can't reopen the dispute because it has been reopened too many times. This is due to their incompetence! I am being completely ignored and am being charged for damaged goods. I don't know where else to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am in Collections, and 120 days or more past due, on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 17 and 18 of the attached credit report. I have rehabilitated these accounts and I am no longer in collection status. Also attached are copies of my bank statements reflecting these payments in accordance with my agreement for the rehabilitation program. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX I was scammed by people claiming to be from the SSA. I filed a police report and also called Chase and XXXX XXXX to see what I could do. Every individual I spoke with had different answers as to what could be done so I called the chase fraud hotline, wire research team, dispute line, XXXX XXXX dispute line, etc. 

I suspended the account in hopes that it would freeze the pending transaction leaving my account. I also tried to flag the wire transfer with XXXX XXXX. 

XX/XX/XXXX XXXX I was at Chase and they informed me the money had already left. I provided them all the proof of the scam, phone records of the calls, text message conversations, fraudulent documentation from the scammer as well as my police claim. Chase attempted to freeze the amounts but were unable to without an investigation. They opened a claim for my internal funds transfer and they attempted to contact the wire team but were closed on the weekend. Chase also has to email me a hold harmless form so that the police can investigate my bank accounts for their case. 

I went to XXXX XXXX and notified them in person. XXXX XXXX called their fraud department and informed me I had to get a wire recall initiated from chase which I could only do on Monday XXXX PST. 

I then went to the police department to finish my formal interview. The report will he generated by XX/XX/XXXX or so. 

XX/XX/XXXX I called at XXXX to request a wire recall with Chase. They opened the case and gave me a confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Risecredit, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I filed a complaint on XXXX regarding funds that were removed from my account after the company had agreed to a {$45.00}, then a {$96.00} short term relief agreement. I then contacted the company after nearly {$500.00} had been removed from my account. I requested my payment which would have been due on XX/XX/2020 to be pushed back 2 weeks in order to allow me time to contact the company to settle the original matter, which they emailed me they would. I then cancelled my ACH debt agreement on XX/XX/2020 to allow me more control over the situation until the matter could be settled. I received an email from the company within hours of me stopping my ACH debt revocation stating they were going to refund me {$450.00}. They then sent me an email stating I immediately owed {$360.00} which was due on XX/XX/2020 that was presented to my bank and returned. I have contacted my bank and this is a lie. The aforementioned amount was never presented to my bank, in addition they had already agreed, which I have email proof, to delay the payment to XX/XX/2020. I am tired of being lied to continuously by this company. They now no longer have lending privileges in my state. I have already repaid this loan back double the amount I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Ive reached out to Experian several tones regarding an account with gettington acct # XXXX I was never late in this account. However, Experian is reporting several late payments XXXX and XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. I informed Experian they lied and said info was updated. Nothing was change in payment history. I called and they said they spoke to someone with XXXX.however, company out of business

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 2019-05-20
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Struggling to pay mortgage Hello cfpb -- I submitted the above complaint. TD Bank did respond by sending our attorney a waiver in lieu of foreclosure releasing us from all liability. We signed the paperwork and returned it in a timely manner, but then received a letter that it would take " some time to do a revised deed search '' for the Bank to sign and return the papers to us. We have not heard from them. In addition, we've received a bill from the Bank for over {$32000.00}. This is so much stress on our family, especially with our daughter so ill. Please help us. Thank you. I'm at XXXX, XXXX and our attorney is XXXX XXXX. His contact information ind on our first complaint.

Company response to consumer: Closed with explanation