BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom it may concern : I previously had a lease with XXXX XXXX from XX/XX/XXXX to approximately XX/XX/XXXX for a XXXX XXXX XXXX XXXX, which is now free and clear of my name. During the period of the lease I received numerous billing inconsistencies from XXXX XXXX, stating time-and-time again that I owe them additional money for fees associated with personal property tax that the county bills the leasing company, and they in return pass the fees on to me for payment. After receiving the personal property tax bills from XXXX XXXX, I remitted payment for the specific amounts in question for each bill I received ( attached ). However, after paying the tax bills to XXXX XXXX I continue to get letters from them stating that I owe money for the tax bills. I have tried several times to resolve the dispute for well over a year now with no success. The latest letter ( attached ) states that I owe them {$4000.00} for taxes, with no itemization as to what the actual money is for, other than it 's for personal property tax. Earlier in the year when this came up I went to the county to pull the personal property tax records for the vehicle, and then compared those amounts to the electronic payments that I made to XXXX XXXX for those amounts ( also attached ). Moreover, the money they are seeking now does n't add up to the total amount of tax owed for the vehicle which makes the case even more perplexing. 

I 've attached the latest letter from XXXX XXXX along with the county tax records for the vehicle with the corresponding tax payments I made to XXXX XXXX during the period in question. I would appreciate the CFPB intervene to help resolve the matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly disputed this asking for validation as I have no idea who Enhanced Recovery is or why they are reporting on my credit. They have never sent me anything in regards to this. This is a violation of the FDCPA and FCRA. PLease help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was served a court judgment for a wage garnishment from a debt collection agency called XXXX XXXX XXXX who obtained counsel. The original debt owed to Bank of America apparently, in the approximate amount of {$960.00}, dating back to XXXX. The court order now reads the amount owed to be {$3000.00}, plus various arbitrary fees and interest. To my recollection, I have never owed any figure to that bank. So this all is very unsettling and confusing to me. I believe these charges to be in error, at least, and quite possibly gross fraud otherwise. I have recently begun to rebuild my credit, and this false charge and suit will be damaging beyond repair. I am newly unemployed, unfortunately. It is my understanding that such orders and attempts to collect may be well beyond the statute of limitations according to California law. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX RUNS AD 'S ON XXXX TO USE AS A TOOL TO LURE CONSUMERS INTO SCAM AND FRAUD AND SEND TO LOCAL XXXX TO WHOM ENDORSE FRAUD AND SCAMMERS ALIKE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for this loan with Wells Fargo. I asked for a fixed rate for 4 years. It was a {$35000.00} personal loan at 10 % fixed rate. My current balance as I am writing this is {$12000.00}. While viewing my account I noticed a payment on XX/XX/XXXX that I made ( my payment is {$640.00} monthly ). Principal payment was {$570.00} and interest was {$77.00} ( 647.98 ). The following month I made a payment on XX/XX/XXXX, {$640.00} : Principal payment {$420.00}, Interest payment {$210.00}! I called Wells Fargo and asked how could the interest payment go from {$77.00} to {$210.00} on fixed interest rate? First I was told my payment was a fixed amount but my interest was n't. I specifically ask for a fixed rate which I was told I had, but now you are telling it 's adjustable. Then Wells Fargo came back to say that the interest rate is fixed but the payment is due on the XX/XX/XXXX and if I make the payment after the XX/XX/XXXX, it affects the interest payment. I countered that the two payment I 'm referring to were made on XX/XX/XXXX and XX/XX/XXXX. When you amortize interest it goes down every month base on the principal balance. Will you please look into this.

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 2021-11-05
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am in full litigation with this collection agency in regard to this alleged debt. I have asked the consumer reporting agency to validate and verify the alleged debt and they have not provided me with the names, addresses or phone numbers they used to investigate and validate this alleged debt. I have a law firm representing me and we are in full litigation in regard to this account. They violated many of my consumer rights and they continue to do so by continuously reporting this non accurate information about me to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: NY
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 have a charge off bank account that should of been deleted off my credit report years ago It is fully paid off and I would like it permanently deleted off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent in documentation upon the double charge. The bank was sent different receipts and proof upon my account upon a fraud case. And continuing to tell me that my proof isn't readable when it's the company name, my signature etc. And continuing to ask for a debt to be paid that's wrong on yall end. I have been going through this for a few weeks. I'm unable to pay my bills etc. I have kids and responsibilities and to call me asking for money that the case been closed for months and snatch it out my account is wrong. Everyone talk messabout this bank and I see why now. The transaction was for XXXX and XXXX and dated on XX/XX/21 from car rentals.

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 2021-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently in a lawsuit as myself and Bank of America is named a defendants I have called Bank of America to ask what is their current interest in the property meaning is Bank of America the beneficiary or the Servicer of the loan Also has Bank of America forwarded the lawsuit to current Servicer if not Bank of America Bank of America current attorneys who sub into the case seems to be supporting plaintiff -when the ask if there is a current mortgage Bank of America remained quiet. As well as is Bank of America provided my mortgage balance pay off demand to a third party - HOA and if so how if Bank of America is not servicing loan.

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 2020-05-04
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:
All credit card accounts on my account was opened fraudulently I had no knowledge of the accounts someone is pretending to be me and stole my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On the X/XX/17 coin base decided to close my account for no reason I had only opened the account a couple of weeks earlier I got an email telling me they was closing my account and to move my coins and euros before they close it. 
I was able to move the coins to an outside wallet but to move my euros I had to select my bank from a drop down box to send my funds too but when I select a bank there is no bank there and I can not enter my bank details manually because I have only limited access to my account now basically there is no way of getting my money back I have XXXX euros in the coin base acc I have  made four calls to support now and all I get is my case will be handed to a specialist? 
These calls have cost me XXXX as it takes forever for them to answer and no help at all I have three case numbers XXXX Coin base do not want to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I sent two separate certified letters to Portfolio Recovery about two separate accounts # XXXX claiming I owe {$1000.00} and # XXXXclaiming I owe {$1000.00}. I asked that they verify that I owe for the two accounts by sending me a contract bearing my signature. Instead they sent me printouts, nothing bearing my signature. Also they responded referring to one account # XXXX. claiming I owe {$1000.00} where credit report says otherwise. Also they inserted that it is being disputed and customer disagrees. I was not notified about the account # XXXX claiming I owe {$1000.00} within the 30 day period of my dispute. Which cause Portfolio Recovery to be in violation of the FDCPA and FCRA. Portfolio is also in violation of the FCRA and FDCPA for not providing me proof of contract bearing my signature within the 30 day period. Therefore, Portfolio has violated the FCRA and FDCPA on both accounts # XXXX claiming I owe {$1000.00} and XXXX claiming I owe {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2021-06-01
Company: FIRST HORIZON BANK
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with IBERIABANK d/b/a IBERIABANK Mortgage on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but IBERIABANK d/b/a IBERIABANK Mortgage took cash. Since then, IBERIABANK d/b/a IBERIABANK Mortgage has sold the note to XXXX XXXX XXXX XXXX and is now liable both criminally and civilly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got a home loan on XX/XX/XXXX, and my loan was sold to Specialized Loan Servicing, LLC in XX/XX/XXXX. A couple months later I recieved a notice that my taxes weren't being paid and were late. I called the company to get it taken care of, couldn't get anyone but they said on a recorded message to send them the bill and it would be paid. Fast forward a couple months and I get a notification that my insurance had lapsed and I needed new or they would be buying me insurance. I scrambled to get new insurance and thought it was fixed. Now they are trying to bill me for the time that the insurance was lapsed, even though I paid my bill and they had it in escrow, they just chose not to pay it. When I called they tell me they didn't get a bill and our insurance didn't know they were our servicer but my wife called to update that with the company, and I never knew anything about it until it was already lapsed. Their response was that they can legally charge me because I didn't have coverage. How am I supposed to know if they are paying it every month or letting it lapse so they can conveniently provide me with their coverage for the time it was lapsed? Clearly deceptive practices, or at the least incompetence. They should be covering the cost of the " extra '' insurance since it's their fault it wasn't paid.

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 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I spoke with a manager today, XX/XX/XXXX, regarding a check sent on XX/XX/XXXX in the amount of XXXX, this is a replacement check for a prior check sent on XX/XX/XXXX which has a stop payment on it. A total of 14 overdraft fees charged to my XXXX account plus a returned check fee in the amount of XXXX as a result of the stop payment. The overdraft fees cost XXXX each a total of XXXX plus XXXX, a grand total of XXXX. The manager advised me the check sent on XX/XX/XXXX was cashed by a XXXX XXXX at a XXXX XXXX XXXX, I do not know this person and am not familiar with this bank. I was on vacation at this time, left on XX/XX/XXXX for XXXX XXXX, returned on XX/XX/XXXX. Needless to say, I was not able to receive check or sign in it. The manager further advised me to contact police and that their investigations team can do nothing further as check was already cashed, will not reissue it. The Police are not able to reimburse me for lost check and the other party, XXXX XXXX, is nowhere to be found. I do not have a copy of check to show them, they can do nothing without it. Even so, as I stated prior, they can not reimburse me for lost funds. The total claim with overdraft fee and returned check fees is XXXX. Please advise Capital One I need a check for this amount ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : 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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 My credit report TransUnion and XXXX  refused to block 2 accounts in my credit report i don't recognize as mines, XXXX  deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the 3 credit bureau and debt collector ( XXXX XXXX XXXX ) the amount showed is {$4100.00} and 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 2021-09-13
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: Investigation took more than 30 days

Complaint:
To Whom This May Concern : I wrote a letter to all 3 Bureaus on ( XX/XX/2021 ) asking them to investigate some accounts. They have failed to respond that the account was verified. I asked for a description of their procedures on ( XX/XX/2021 ) and they have either failed to respond at all, on time or with the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Veteran was declared 100 % XXXX and the City treasures office returned personal property tax to LoanDepot to be returned to me. I have been trying since XXXX to get back money which is owed me. Instead of paying me the full amount they have been sending me amounts less than and making excuses about the money returned being lost ect. I said I was going to file a complaint with CFPB if I had not recieved my money by XXXX XXXX They said they sent me a check dated XXXX XXXX  XXXX which I have not seen as of XXXX XXXX XXXX. Based on past history of lies and deceit from this company I feel their word is no good. Original letter for real estate tax exemption sent to LoanDepot on XXXXXX/XX/2021. City treasures issued check back to them on XXXXXX/XX/2021. Check was deposited by them on XXXXXX/XX/2021. I have had to repeatedly call them in hope of getting my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: LA
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 included every payment made that the reporting company is saying I never made not a single payment from the texas attorney general child support I have shown XXXX in payments since 2018 and the credit bureaus will not take it off. the debt on y credit shows I owe XXXX so im actually overpaid

Company response to consumer: Closed with explanation