BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: Hollins & McVay, P.A.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX collection attorneys where I live levied my bank accounts, froze them the problem Im having is that the same attorneys Garnished my husbands wages on or about XX/XX/XXXX the judgment was satisfied on XX/XX/XXXX the same attorney I fired in a family law case has jumped into the collection business freezing or XXXX XXXX accounts XX/XX/XXXX. The very same medical facility that my husband just paid summoned me on XX/XX/XXXX XX/XX/XXXX I was XXXX for a due this company requesting again and again and being granted non wage garnishments of bank accounts the court documents state service for this non wage garnishment wage garnishment XX/XX/XXXX sent to a process server and returned to themXXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX where I remained until XX/XX/XXXX. This medical debt for {$1500.00} levy on our accounts for services I couldnt possibly be served for sending them to my address where my husband and I shared for 20 years now. He didnt understand it as he was already garnished, he tried to tell this company that I wasnt there and hadnt been, not once could they have sent a process server to garnish wages and banks sending them to my house. XX/XX/XXXX I was in a XXXX XXXX XXXX XXXX in XXXX Kansas far from my home in XXXX and being XXXX  the following month. The last job I worked ended XX/XX/XXXX I have XXXX XXXX XXXX XXXX XXXX XXXXXXXX making that very difficult to do my husbands income is all we have to try and pay the bills, mortgage and food for our XXXX XXXX XXXX son. Back taxes are now owed on our home, the state has already offset XXXX of our federal income tax return, we have applied for KHAF loans to pay our mortgage, insurance and now a bounced ach to utilities water and electric. {$450.00} on our water bill was paid by community action while we waite for KHAF funding.our water is going to be shut off again this week while my husbands paychecks smaller and smaller with hour cuts at his job. and Kansas is holding income tax offset we absolutely do not owe in fact 3 years we had a refund coming.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bloomingdales has violated my rights because they failed to provide proof that this account belongs to me. I did not open up a bloomingdales account. This is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: MD
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/21, I sent a letter regarding inaccurate and unknown things on my credit report til this day over 60 days later. I have not received a response yet. I think I am being ignored on my disputes. Section 611 ( a ), it states that a failure to investigate items within 30 days gives a reason to remove immediately from my credit report and it has been over 60 days so they should be deleted promptly. I demand these items be removed or will file for litigation. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person and they are currently being investigated by the FTC. I have attached the following documents : my ID, proof of address, FTC report, and original disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed my checking account with {$290.00}, as well as a savings account, in account on XXXX XXXX, 2017 over eChat. Never received my funds from either account. 

Contacted BMO Harris over the course of the past 3 months almost every 2 weeks via phone and echat. Finally got a resolution on my savings and was emailed a stop payment form which I faxed back and received a re-issued check in the mail. 

Have attempted numerous times to get the same resolution for my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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 sent a formal notice to Fair Collections & Outsourcing that the account # XXXX claim was being disputed. On XX/XX/XXXX XXXX i received back a letter of Verification of the debt and an invoice. Upon further investigation on XX/XX/XXXX, I retained new copies of my credit reports, and noticed that Fair Collection & Outsourcing did not furnish the credit bureaus with the required disclosure, within the period required by law. which they are required by federal law to place a notice of dispute on my account within 30 days of my dispute. This account is inaccurate and i want it to be deleted immediately.

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 2022-01-12
Company: CCS Financial Services, Inc.
State: FL
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/22 I, consumer recieved a letter from CREDIT COLLECTION SERVICES demanding {$460.00}. As a consumer I have the right to request documentary evidence to VALIDATE this alleged debt. I am requesting a debt validation under the Fair Debt Collections Practices Act pursuant to 15 USC 1692g and a cease and desist notice pursuant to 15 USC 1692c ( c ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
State employees credit Union of north Carolina refused to assist me in dealing with a credit card which was opened and used fraudulently. I was not notified of or provided with statements for this card until i was contacted by phone to inform me of an accumulation of late fees close to the amount owed. They credit union 's idea of a resolution to the issue was to freeze my account with no notice and report me for a blacklist on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I contacted Tidewater in response to a billing statement dated XX/XX/XXXX. The statement indicates a past due payment of XXXX, and a payment of XXXX due XX/XX/XXXX. The total due is XXXX I contacted Tidewater in XXXX to process a payment deferral. The deferral was approved bringing the account current after I was required to pay XXXX in interest to obtain the deferral. I was advised my next payment would be dueXX/XX/XXXX for XXXX and the account is current. Tidewater now claims that there were 2 returned payments on my account from XX/XX/XXXX and XX/XX/XXXX. As a result NSF fees of XXXX each were added to my bill as well as two XXXX payment convenience fees. My bank records do not reflect payments returned. Further, my XX/XX/XXXXand XXXX bills make no mention of these returned payments. 

Tidewater violated the FDCPA by adding these alleged NSFs to my bill AFTER I agreed to a deferrment and paid XXXX in interest. Tidewaters business practices clearly are intended to take advantage of a consumer who is simply trying to work with them and bring the account current. Further in recorded calls, their agents can be heard advising me that the billing statements are wrong and the account is current. They only changed their position on this matter after I pressured the associate and questioned the legitimacy of their statements. 
Tidewater has demonstrated they intend to " bait and switch '' theit customers in instances like this while charging fees to make further profit off of consumers who have fallen on hard times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for a deferral and time to apply for the California Relief Program. It is so disappointing that SPS is not participating in this program. After waiting for months for this program to open it was disheartening to receive this email : Dear XXXX XXXX Thank you for your application to the California Mortgage Relief Program. We will save all of your information that you have submitted and begin reviewing your case when your mortgage servicer elects to join the program. 

Unfortunately, your mortgage servicer is not currently participating in this program. Because program guidelines dictate that funding for approved applications goes directly to the mortgage servicer, we can not process the application if the servicer is not participating. 

Although we have explored a variety of avenues to encourage all mortgage servicers to engage in the California Mortgage Relief Program, some have not yet taken action to join the program.

It might be helpful if homeowners also send a request to their mortgage servicer to participate.

Below is a sample email you can send to your mortgage servicer asking them to participate in the California Mortgage Relief Program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2021, I sent a letter via certified mail to Experian requesting verification of a reported bankruptcy on my credit report. Experian never responded. Here we are into a new year and they have gone pass their allotted time frame to comply.

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 2020-05-03
Company: BARCLAYS BANK DELAWARE
State: VT
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:
XXXX charged {$97.00} for a car rental to card on XXXX XX/XX/XXXX, but car rental not used. Contacted XXXX via email and 'phone with no resolution ; put me on hold and then disconnected. Identified this spurious charge to my credit card to Barclays in XX/XX/XXXX. Barclay 's  initially removed the charge, but later re-entered the charge because XXXX said the charge was valid. For over a year I have sent multiple FAX 's to Barclays and several letters all with the same message - if tBarclays is determined that the charge remain on my account then refund the last annual fee and close the account. In Barclays last letter to me, XXXX XX/XX/XXXX they indicated I have to call to resolve this matter. I called on XXXX XX/XX/XXXX and an automated answer indicated no agents are available and then hung up. 
Incidentally, the account balance is 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 2019-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been lied about a refund from the pending deposit by 3 different CSR 's. I have patiently waiting for my * {$790.00} and been giving 4 different times dates the check was mailed. Its been 1 month 2 wks  and in the first week of XXXX was told 10 working days and nothing. I called and was told 14-17 working days so I waited. then I was told account just closed on XX/XX/28 and ity be 10 working days again and check to was mailed. I waited past 10 working and no funds so I called CSR and was told it was XXXX and claim it and it was sent back and couldn't provide me with tracking # and was getting answers from a department that I couldn't speak to for some reason after being told 15 more days today. We are retired we are always home and I called today to be told that internal management said which only speaks to employees 15 more days!! I have a small business and which relies on these funds to keep going and because of this, it will be closing. I would use this money to take my XXXX  son 's needs which have helped out for years and now we suffer and figure out things because of your bank 's inconsistency and CSR 's that lie and tell whatever. All is my money back not yours that we worked for and there shouldn't any excuse! I WILL BE FILING A COMPLAINT WITH THE FEDERAL RESERVE AND ATTORNEY GENERAL YOUR AREA. I have been pushed around so much by a bank and sure took out fees to be treated like this. I want some to call me that make decisions and tell me where I can pick my funds. I have long enough and been very patient my number is XXXX XXXX or email me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
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: Information belongs to someone else

Complaint:
I have contact the companies & credit reporting agency, Equifax to remove the fraudulent hard inquiries from my credit report on XX/XX/XXXX. I have yet to see any changes made to my credit report as in today. I have reached out many times but yet no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Hello, my name is XXXX XXXX. And I 'm a little concerned about this incorrect information that is inaccurate on my Transunion credit report. There is a collection on my report owned by XXXX XXXX XXXX in the amount of {$1500.00}. First, I have no contract or anything bearing my signature that would make me responsible for this debt as my contract was not with XXXX XXXX XXXX. Second, back in the beginning of XX/XX/XXXX the information was n't listed on my report, but was reinserted towards the end of XX/XX/XXXX. How is this okay? Also, the amount listed is incorrect. I have reached out to Transunion to correct the information, but they have not been very helpful. With all of the recent data breaches and such with these different credit reporting agencies. It 's very important for me as a consumer to have accurate information listed. I 'm hoping that the CFPB can resolve this issue for me and have the incorrect information removed from my credit report.

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 2022-01-12
Company: LEXISNEXIS
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:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
in XX/XX/2020, i had storm damage at my home where approx {$50000.00} in damage was done to roof, chimney and some interior damage. home owners insurance issued 3 checks made out to me, the public adjuster and carrington mortgage. we were told by carrington mortgage to send the claim checks to them unendorsed, which we did overnight. several weeks later after not having any correspondence from carrington, i called and finally spoke to someone who told me the checks were sent back to me for endorsements. i scrambled and got to the public adjuster who endorsed the 3 checks with me and we again sent them to carrington mortgage services overnight express mail. several more days went by and i started caling them every other day and got different stories from some people at carrington, some were helpful, some were not. as of today, i still have XXXX  funds from them. they claim they approved one check for {$4800.00} which is half the chimney invoice. the roof and chimney are completely repaired and now the contractors are pressuing me to get paid. i spoke with my " file owner '' a couple times and each time i do, he states some document is missing, etc. they have had this claim in their hands since XXXX. im not sure why they are just finding out items are missing. more work needs to be done inside the home but i have no personal funds left as i gave the contractors some funds to keep them happy,. please help me. i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Cheadle Law Firm
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Cheadle Law is handling an alleged debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TN. I dispute this debt. Cheadle Law sent me a letter advising me I could dispute the debt within 30 days or else it would be presumed valid. Because debt collection agencies are notoriously bad at communicating efficiently and effectively ( although I've had no specific previous experience with Cheadle Law ), I went ahead and contacted them through the XXXX XXXX   XXXX  to report that I believed they were attempting to collect on an invalid debt, dispute it, and request they mail me the required documentation to account for the alleged debt. 

However, Cheadle Law responded only to ask the XXXX  to close the complaint as " not appropriate '' because I was not their " customer. '' It was only on my second attempt that Cheadle Law agreed to send the requested documentation to verify the debt. 

Additionally, Cheadle Law has claimed I owe an addition more than {$1000.00} toward legal fees in addition to the reported debt owed to the original creditor. However, Cheadle Law has ignored my request to provide a specific accounting of the costs or to justify its fees. I again request they do this. 

Please note I still dispute the debt and I am asking Cheadle Law to  cease and desist all contact and attempts to collect this debt aside from verification of the debt and documentation of the accounting for fees charged.

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 2018-01-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I wired {$20000.00} to XXXX with no errors and included the accurate Recipient Instructions/Message number on XX/XX/XXXX. The wire was initiated same-day ( was informed it would be deposited same day ). After two days still had not received a deposit and reached out to XXXX message support form for assistance with a detailed PDF including the Federal Reference Number, Bank Reference Number, etc. After a couple days called the Coinbasewires number and XXXX XXXX, but unable to get ahold of anyone. On XX/XX/XXXX after seven days of no XXXX  response, I requested a wire reversal from my bank. 

I reached out to my bank on XX/XX/XXXX, and was informed my bank is still waiting for the reversal to initiate from XXXX XXXX, i.e., CoinBase, Inc. bank. I have sent another message to the XXXX support group. But unable to get ahold of anybody. 

Case ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
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: Account information incorrect

Complaint:
Earlier complaint not addressed they sent me this falsehood. i have tried to contact them multiple times by phone can not get through they hang up or give another number same issue. Can not access through email receive this reply- Another end run! 
I have tried they do NOT connect as usual!!!! 

On Tuesday, XX/XX/2019, XXXX XXXX EDT, Experian Customer Support ( XXXX ) <XXXX> wrote : Dear XXXX XXXX XXXX : Thank you for contacting Experian CreditWorks Basic. I understand your concerns and apologize for the delayed response. I will be more than happy to assist you. 

However, you have contacted the Customer Member Services and I am unable to access the information needed to assist you. You would need to contact our National Consumer Assistance Center to process this request. Please give them a call at, XXXX. There may be a bit of hold time, depending on the call volume at the time you may call, and the representatives may only assist you with Experian information, not XXXX or XXXX. 


You can reach XXXX by giving them a call at XXXX. XXXX can be reached by calling them at 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 2018-01-12
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
do not recognize this collection company, and not aware of any public service bill owed. I have called the company but no one answered.

Company response to consumer: Closed with explanation