BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated calls from XXXX several times a day for months! I don't have an account with this company ( XXXX  the number & it belongs to Midland Credit Management ). I also checked my credit report and I am not in default on any loans or credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
These charges were did NOT authorized and I reported the fraudulent activity to Cash App on XX/XX/2021. I reported the fraudulent activity to XXXX on XX/XX/2021 as well. I have alerts set up on my XXXX  account and was alerted by text and email on XX/XX/2021 about these 2 transactions. Since I did not authorize these transactions, I immediately opened a fraud claim. You will see that these 2 transactions were taken with 2 minutes ( XXXX XXXX  and XXXX XXXX  ) of each other until I did not have enough funds to process another transaction. 

After I saw that Cash App did not properly investigate my claim, I unlinked my account and deleted Cash App from my phone. 

I noticed in the information provided by Cash App through my complaint with XXXX  XXXX XXXX, the IP address in their documents does NOT match the IP address for my cell phone. IP address for my cell phone is XXXX. IP address provided in their documents is IP XXXX. Cash App should have performed their due diligence to find out who the IP address belongs to that initiated the transactions because then they would know transactions were NOT initiated from my cell phone and would not have reported to XXXX  that I authorized the transactions because I DID NOT AUTHORIZE THESE TRANSACTIONS. 

I did not authorize the payment through the cash app of {$500.00}. I do not know the person who the money was sent to. I do not know how the money was sent from my cash app account to this person. I contacted cash app to make them aware of the fraudulent activity the day it happened. I sent them screenshots showing the two {$250.00} transactions were not part of my completed history and the person was not in my activity. Cash App did NOTHING to investigate my claims based on the information I provided them. Cash App has several lawsuits because of this type of fraudulent activity.

Cash App did not investigate my claim in accordance with the Electronic Funds Protection Act after I reported the fraud. If they did, they would know the IP address that initiated the transfer does not belong to my phone and even the the email address of the person who received funds seems suspect, XXXX. Cash App XXXX is not taking my fraud case seriously. 

I have also raised a financial crimes division of the XXXX XXXX XXXX XXXX, case # XXXX. 

XXXX  issued me a temporary credit of {$500.00} for these fraudulent claims until claim could be investigated. Based on the data provided by Cash App/Square, XXXX reversed the temporary credit which caused my account to go into overdraft because Cash App claimed I authorized the transactions even after I sent Cash App evidence I DID NOT authorize the fraudulent transactions. If Cash App would have followed the guidelines of the Electronic Funds Protection Act, Cash App would know the fraudulent activity was not initiated from my device ( cell phone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My auto insurance agency notified me they were unable to review my coverage because TransUnion was providing address information contrary to all other records. I attempted to get a copy of my credit record via telephone ; after 10 minutes of pushing buttons and listening to voice prompts the automated voicemail system tells me it can't release any information because my data does not match theirs. It directs me to the TransUnion website, which I must register with to obtain any information. What was not disclosed was registration to the TransUnion website automatically sucks {$27.00} out of your checking account and signs you up at monthly membership rates. What I thought was going to give me a free copy of my credit report was a deception. The subscription fees may have been hidden in the fine print in the link at the bottom of the registration page, I certainly never found it. 

Short version : TransUnion created a situation with my car insurance that they refused to fix or even give any details about until they extorted {$27.00} from the victim of their misinformation. Being a XXXX person on a very limited income, I can't afford to let this slide.

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 2019-07-14
Company: DriveTime
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased this vehicle XX/XX/2018 a few weeks after i got the car i needed a new battery which i had to pay out of pocket with two months later the check engine light came on and i was not able to pass the emissions test so i had to get a one year waiver from the county of XXXX to be able to get my car tags i expressed to the dealership i needed a reasonable accommodation for my XXXX initially purchase upon to better understand the loan terms and even provided proof of my XXXX i was and am only paid once a month and still they set me up on bi weekley payments i feel they took advantage of me with the loan terms i was never offered the gap coverage that they say i declined fast forward a year later my car engine is blown they also sold me a lemon. I have a balance of XXXX and will no longer have this vehicle in my possession

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA bought the bank I had an account with, Simple Bank. As of yesterday they disabled the Simple Bank accounts and transitioned them to BBVA. 

Since then I have been unable to access my account. 

I have tried repeatedly to get in touch with them using their provided numbers, but their agents just keep pretending they cant hear callers, even though you can hear them pause and listen to what your saying. They then just hang up on you. 

Theyre doing this to multiple callers, as reported on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
The installment loan that was made was fraud

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 2019-07-14
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:
On XX/XX/2019, I sent a dispute letter to Equifax and requested them to remove three fraudulent accounts due to identity theft. I also sent them my police report including my FTC complaint and all my required ID documents. Equifax refuses to remove these fraudulent accounts even though they are required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother passed away on XX/XX/2021. She left everything to me in her will and made me her executor. I had cancelled a purchase for XXXX. But XXXX put it back on the card ending in XXXX when they weren't supposed to. Navy federal is refusing to let me have my money back since it's in my mother 's account. My mother left me in charge of her estate and checking account after she passed away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2021 Former customer of Simple Bank which as of XX/XX/2021 was closed and accounts were to be transferred to BBVA USA. Account transfer has locked me out of my account. BBVA has provided zero assistance. They say they have opened up Customer Service today XX/XX/2021 from XXXX to XXXX XXXX every time I have called for assistance ( 20 times as of writing ) my call gets disconnected or I get through to a CS rep who instantly says they can not hear me and hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent to XXXX XXXX a letter to validate that the debt belongs to me. They sent to me a letter that they already did a verification of the debt however I am asking them to provide proof that I was the one that signed the contract for lease that they have provided. They responded on XX/XX/XXXX that they are not going to do a validation. With that being said they refuse to send the proper documentation to show that this debt belongs to me. They do not have a copy of my ID or any documentation that I was the one that signed the contract that was sent to me. I am disputing that the signature does not belong to me and all I am asking them is to provide to me that the debit can be verified that is was me the one that signed the contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report shows items that I have no knowledge of. I'm preparing to buy a home soon. So I need these items removed as soon as possible.

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 2021-08-17
Company: Patenaude & Felix A Professional Corporation
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is XXXX XXXX XXXX XXXX. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/2017. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION CREDIT REPORT. 
They are collectors for XXXX XXXX  XXXX.At the only visit I have ever had I needed to have a tooth pulled.I paid {$200.00} cash at the time of service.In addition I had a deep cleaning which was covered by my XXXX XXXX XXXX   PLAN that I was told was covered.I was given a prescription for XXXX that was paid for by my insurance.This debt is fraudulent.

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 2018-02-09
Company: Servis One, Inc., Titusville, PA Branch
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello This compliant is against my current loan servicer XXXX XXXX XXXX. I always make my mortgage payment on time but there has been times that my payment didn't go thru and XXXX XXXX  would ding me for non sufficient funds fee of {$30.00} when I called them to investigate what the issue is since I had more then enough fund in my checking account at the time. After they looked into it they told me that I had missed a digit in my account number so my payment didn't go thru. So my question to them is why didn't he online system just reject my payment right there and then so I could have gone back and entered the correct account number? there answer was even if I entered the wrong info I would still get a payment confirmation which didn't make any sense to me so I asked for a manager who was not available. After numerous calls I finally got a manager on the phone and he was just rude and arrogant told me that's how there system works. I asked why am I being charged with non sufficient funds fees he said that what happens when you enter the wrong account number. A simple human error I made and they are not willing to work with me or even waive the fees knowing it was a error and nothing to do with non sufficient funds. I don't know how many people are dealing with this type of issue but im sure im not the only one based on all the XXXX reviews I have read. The company has a 1 star rating due to there unethical ways of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased property in XXXX through a 30 year fixed rate mortgage originally as HUD property. HUD sold this property to Ocwen in XXXX. The original purchase price was $ XXXX at 10 % interest rate. We paid $ XXXX {$600.00} per month ( depending on the tax rate ) for 30 years. The final payment was XX/XX/XXXX for {$400.00} after which Ocwen said we still owed {$21000.00}. We hired a mortgage lawyer to check into what Ocwen said we owed past the maturation date of the loan. 

The lawyer informed us that we did owe {$21000.00}. We disagreed but Ocwen threatend a foreclosure on our home. We wanted to avoid this so we sent them what they asked for to avoid foreclosure. We never missed any payments on our home. They asked for {$3000.00} in XXXX we sent that and they then asked for another {$300.00} and we sent that along with our regular monthly mortgage payment.s We paid our own homeowners insurance during the 30 years. 

In conclusion, we would like to know why we owe this amount to Ocwen. Our records indicate our home would be paid off XX/XX/XXXX. We sent them the {$21000.00} XX/XX/XXXX. We have yet to receive our deed. We have only received letters to us concerning foreclosure assistance through XXXX and no receipts or acknowledgements that we have paid them anything final.We would like to obtain our {$21000.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO 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 non-monetary relief
Consumer complaint received 2020-09-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I opened a checking and savings account that was offering {$500.00} bonus. the bonus offer was addressed to and mailed directly to me. i satisfied all of the requirements I still haven't received the bonus. The mailing had the following offer attached : " Earn Up to {$500.00} when you open checking, savings, or both. {$300.00} when you open a TD Beyond checking account and have {$2500.00} in direct deposits within 60 days. {$200.00} when you open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least {$20000.00} balance for 90 days. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been banking with Sun Trust for 30 years and was scammed XXXX thru XXXX   and investment property. They set up websites and local law enforcement have tracked them to overseas and the states thru checking accounts with XXXX and XXXX XXXX. Both XXXX and XXXX XXXX have blocked all attempts to retrieve my money. XXXX XXXX will not answer the phone and could careless while XXXX says I have no recourse. I have accounts in all 3 companies, so basically they would rather harbor criminals that have violated the Patriot Act than help their own customers. I do not want the names of these people although they should go to prison but want these companies to investigate because someone came into their banks and opened checking accounts and committed fraud. I submitted paperwork to FBI but that was a joke. Secret Service says the case has to be XXXX before they can investigate. Local law enforcement does not have the time or expertise to track the case so we go to court soon. All I asked was for my company Sun Trust to perform a recall request on my behalf to no avail. It has been a year and they lied to me verbally and in writing thru the executive team saying they had performed the recall so the other banks would investigate. I tried to settle with the banks professionally but they would rather harbor criminals. I am in the process of going to court with all 3 companies so they can explain why they did nothing. My family, job and marriage was threathened if I went to the police they even said they would say the XXXX was for XXXX XXXX and to XXXX my wife. It is in the 383 pages of documents I submitted to the police. I am in the process of writing a book on the incident and using XXXX XXXX foreclosures to pay for ghost writer, court costs and private investigator. If this happened to your family what would you do?

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 2018-10-14
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX XXXX put a {$39.00} in collection on me. I paid off XXXX XXXX and i guess this was a renewal fee. I never noticed this on my report and never received a notice in the mail since they were sending it to my old address and i never knew my account was sold, so when i saw {$39.00} and saw the name XXXX XXXX i send a check and sent both my moms payment in with two checks and both statements to XXXX XXXX. After watching my credit and noticed it was not taken care of i called XXXX XXXX and they applied BOTH checks to my moms account and took the blame and reversed the {$39.00} payment one her account and told me that they would take care of XXXX. After several months XXXX has not taken care of it. The day they applied it to my moms account ( XXXX XXXX XXXX ) Card XXXX was in XXXX, and the day they reversed it was XX/XX/XXXX. My file number is XXXX with XXXX. XXXX XXXX confirms they have this payment and I wish someone would help me with this. Its been months that this has been paid ( the day i found out about what this was i took care of it ) PLEASE HELP. XXXX should take this off my credit report since they NEVER sent me notice of this to the address i live at so i had no idea who they were. Do i need to hire a lawyer or the banking Dept? 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation