BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
To date I have received at least 10 calls on my cell phone from HRRG Collections which XXXX says collects medical debts. I do not have any medical debt and nor do I owe anyone for anything. They mask the calls to look like local calls and all the messages say do not delete this message and please call XXXX. XXXX says this is a company that used questionable tactics and do not contact them. They will harass you and increase the money they say you owe. I reported this twice to the XXXX Fraud Hotline and temporarily the calls stopped but always seem to start again. I always enter the number and block it on my cell phone but they change the number they are calling from and call again. 

I want these calls to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Credence keeps calling my inlaws home claiming I owe a debt. They will not state what the debt is about or what amouny is owed. This happens several times a day, and my inlaws have repeatedly asked them to stop calling them. I know this is fraudulent, because they never ask for me by my legal name which is what I always put on all of credit appications and forms. They always ask for me by my nickname that family and friends address me as. I have also never recieved contact this company via mail. The number they always call from is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX at XXXX XXXX I attempted to deposit 1400 usd to the Chase bank ATM that I frequent. I put my card in, typed my pin, and selected that I would like to make a cash deposit in my checking account. The ATM prompted me to insert up to 100 bills. I inserted 14 100 dollar bills. It shuffled around for 3 minutes and then came back and said to call XXXX to verify it went through and it also printed out a receipt showing the same. I called and the customer service rep told me to it did not go through and told me I will have to contact their claims department in the morning since they were closed. I waited a little bit longer to see if it would spit it out but it didn't. I called back the next day and filed a claim and they said they would issue me a temporary credit within 2 business days which was inconvenient but fine whatever. Today XX/XX/XXXX was the 3rd business day so I called back and they told me that they couldn't find the sequence number that I gave them that was on the receipt and therefor had to escalate to a different claims team and that they had to research this and that it would take up to XX/XX/XXXX to possible get a temporary credit. I told them this was unacceptable due to my rent being due 2 days ago and im getting charged daily for late fees and all they kept saying qas there was nothing they can do. I went to the branch and they tried to call the claims department and were met with the same thing. I'm at a huge loss and they don't seem to care and I'm getting charged daily late rent fees because of getting robbed by my own bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: ERC
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: OneMain Finance Corporation
State: SC
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 paid off my onemain account on XX/XX/2020. I recieved all documents ( title, contract, and verification letter that account is paid off ). I sent a Certified letter to XXXX  in XX/XX/2020 notifying that my account is still opened and request to close my account. They did an investigation. On today a customer representative from onemain credit department said they just verified the information back in XXXX. On XX/XX/2020, onemain reported missed payments on a closed account to XXXX. I sent 1 Certified letter with documentation showing proof of my account is closed to onemain. They didn't do anything. Per our conversation on XX/XX/2020, she said she received the second letter in May then she lied and said that they received the letter on yesterday. I told her that I can take them to court for posting missed payments on a closed account. I told her that I want the account removed and want my points back. She said that they go by the order that they received it. Please listen to the conversation because they recorded it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Paypal deducts money from your bank account promising it to be deposited into your PayPal account on a certain day. After taking the money from your bank account, the money does not arrive in your account on the day PayPal says it will arrive. 

On XX/XX/XXXX I transferred {$1000.00} from my bank account to go into my PayPal account. The PayPal app claims that my funds will be in my PayPal account on XX/XX/XXXX. 

Once seeing that funds were not in my PayPal account at the end of the banking day of XX/XX/XXXX, I called PayPal. PayPal 's customer service first said that funds should be in my account by XXXX. After not seeing funds in my account after XXXX, I called again. 

Customer service then said that funds will be in my account at midnight or even on XX/XX/XXXX. Six business days later. 

In a day and age when payments are processed instantaneously and normal banks reliably transfer funds, PayPal 's slow processes are unacceptable and risky. Furthermore, payments that are supposed to be made with PayPal deposited funds are delayed causing concerns, lost business, as well as other risks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX XXXX refuse to remove fraudulent acct from my profile when they have my supporting documents that I was a victim of Id theif

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 2020-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
My complaint is that USAA ( *RETALIATES JUST AFTER MY TWO YEAR LONG FRAUD CLAIM IS WON & CREDITS PROVIDED {$470.00} XX/XX/XXXX for XX/XX/XXXX claim date ** VERY HOSTILE USAA REPS** ) & SUDDENLY MY ACCOUNT IS BLOCKED??? WITH ** usaa Unable to VERIFY ME OVER AND OVER AND OVER?? This block put on by usaa was not here before. DRAW YOUR OWN CONCULSIONS ** USAA REFUSES TO FIX THIS ISSUE AFTER COMPLAING MANY DAYS. IT IS NOT AN ERROR. USAA IS RETALIATING TO * PREVENT ME FROM RESOLVING MORE FRAUD ON MY ACCOUNT THAT WAS IGNORED FOR YEARS WITH NOT VERIFYING ME. I CALL ** RETALIATION **

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Total Card, Inc.
State: CO
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 always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempted to open an account, but was unable to.

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 2021-09-09
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Responding to Navient recent letter to collect a debt. I have no debt to Navient. Those student loans you typed on your letter of indebtedness page 2 of 9 are not mine. I never had loan with Sallie Mae Trust. Send Sallie Mae Trust license number. Send a copy of each Promissory Note loan listed on page 2 of 9 : XXXX {$3100.00} XXXX  {$4200.00} XXXX {$5900.00} XXXX  {$4400.00} XXXX  {$6900.00} XXXX {$7500.00} XXXX  {$2900.00} XXXX  {$5600.00} XXXX {$5800.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$7000.00} What does Sallie Mae XXXX mean and where is the entity located. If you can not supply a copy of the all the Promissory Notes then you do not have an Debt to collect. Sent page 2of 9 Section D1 Holder Name and Mailing address. Also what is the legal name of Sallie Mae Trust and 2004 location.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Let me start by saying I'm XXXX  XXXXand lost all my technology during the winter strong. When the pipes burst in my apartment I list my job due to covid and now wells fargo is stealing my money and still doing it. Tgey refuse twice when my account gas been used by someone else and now they have taken my fema money. Tgey keep taking my account out of getting my statements online. Tgey even tried to not pay me my sign up bonus tgey promised when getting the account. I walk 1 5 miles to bank with them and pay {$35.00} fee almost daily. I cant see my statements from my first closed account and couldn't read the statement if I had them. The bank sent me XXXX  but now stopped sending that. It's a completely disrespectful when I state to them my house was robbed and I was in XXXX  due to a passion charge and couldn't have made these transactions. They lied and stated the charge at XXXX XXXX was made by me bc they use a chop reader. No freaking way does XXXX XXXX use a chip reader. And I was in XXXX. I was not at XXXX XXXX or your bank or heb or sending money to companies online. Not how XXXX  works. 
They feel that I'm XXXX and cant stop them. They make fun of me by sending letters in the mail explaining why they wouldn't pay me back the money that was stolen. It's not funny Wells Fargo.

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 2020-05-07
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-07
Company: CITIBANK, N.A.
State: NJ
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 have tried multiple times via certified mail, email and phone calls to resolve this issue. 
I was charged for a service I never received after many phone calls emails and certified mail I've been told they can not help me. 
I'm including copies of the communication between myself and the Citi Credit Card. 
I'm being charged {$620.00} for a service that I did not get. 
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 2021-02-13
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to lodge a complaint against what I believe is unfair and highly unprofessional conduct on the part of Amerisave Mortgage Company. On XX/XX/XXXX, I initiated a refinance application ( Loan # XXXX ) for my home with XXXX XXXX of Amerisave ( Loan Originator NMLS ID # XXXX ) and XXXX XXXX XXXX Processor at Amerisave ). I paid the {$500.00} fee that XXXX XXXX said I would recoup at closing, promptly uploaded my financial information, and signed all disclosures. Like my previous home loans and refinances, I assumed the entire process would take 3-4 weeks. However, the process with Amerisave took a total of 6 months. My load processors XXXX XXXX and XXXX XXXX ignored the multiple e-mails I repeatedly sent to them, and did not return my phone calls, making this entire process extremely frustrating and unprofessional. 

On XX/XX/XXXX, I finally received a notice from Amerisave that my loan has been rejected, due to " excessive obligations in relation to income. '' This makes little sense to me for a variety of reasons : 1. The Original Loan is {$470000.00} and the appraisal was {$770000.00}, and my my application with Amerisave was for {$490000.00}.

2. I receive {$5000.00} of monthly rental income on the property, which exceeds my monthly mortgage payment by a surplus of about $ XXXX/month. 

3. I have been employed as a XXXX  with the State of Maryland for 25 years with an annual salary of {$80000.00}.

Aside from my mortgage payments, the only other financial obligations is my car payment and credit cards -- neither of which have ever been in default or had late payments. In fact, I have never defaulted on a loan or had negative marks on my credit report.

With no communication from Amerisave over the past 6 months -- other than automated e-mails -- I have no idea why my loan application was rejected on these grounds, and it's clear that my case was improperly handled. 

Moreover, on XX/XX/XXXX, Amerisave conducted a 2nd hard credit check -- without my knowledge or consent. This is beyond unprofessional, and unless proper steps are taken by Amerisave I will pursue my legal options.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21
Company: Persolve, LLC - Legal - Series 2
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have submitted a previous complaint regarding this matter. Discover has continued to fail to uphold their end of their contract. Discover has ONLY 90 days to resolve a credit card dispute. It has been over 90 days and Discover still hasn't made a final ruling despite ruling in my favor. According to XXXX, " The card issuer must complete its investigation within two complete billing cycles of receiving the dispute, which generally means two months, and can not take more than 90 days. '' XXXX XXXX XXXXXXXX How much longer must this dispute go on before a final resolution? It's passed 90 days. It's unfair for Discover to rule in my favor yet continue to drag this on way past 90 days. The dispute number is : XXXX THIS TRANSACTION WAS NEVER UNATHORIZED, THE MERCHANT NEVER REPLIED WITHIN 90 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: WLCC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX XXXX, I applied for and was approved for installment loan of {$1000.00}. Spoke with someone on the phone who confirmed the approval status and sent me a signed and loan agreement as well as a confirmation number in an email. Told me my loan would be funded the next day. 

Late in the day of XXXX XXXX, I received notification of a small " problem '' and I would have to sign a new loan agreement with a substantial increase in monthly payments. When I inquired why the changes, I was told that the other loan agreement had " expired ''. The agents of this company was very rude, condescending and refused to give last names, indicating to me, nefarious intent ... they REFUSED to honor the original signed agreement with the lower payment schedule ( enclosed )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX XXXX XXXX {$1600.00}

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 2019-02-11
Company: Experian Information Solutions Inc.
State: CA
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX

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