BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: Messerli & Kramer P.A.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A few years ago Ms. XXXX garnished my wages for a company she said I owed money to. She never took into account my XXXX kids or bills I had to pay, I was left with half my paycheck. Now she has contacted me in regards to another company she said I owe, I have told her this has been paid in full. She submitted documentation showing payments made from as XXXX XXXX account that I never had. Then there was a payment attached months down the road for {$500.00} from my account at XXXX XXXX XXXX. That {$500.00} was to pay my account in full, I never got another bill or a phone call, then about a year later I get severed from Ms XXXX saying I owed money, I went to the court and notified them that this was not my charge. I never got a court date, the next time I heard from the courts was saying that my wages would be garnished. I just got a letter from my employers saying I would have 20 % of my wages garnished. I have XXXX kids and only take home about {$900.00} every two weeks, I have not idea how I am going to feed my kids or pay my bills. I feel Ms XXXX is just taking advantage of me because she knows I can't hire an attorney, I am a single mother, and I was an easy target before. I also find it very interesting that both times she has done this it has been around the XXXX Holiday, this is two different years that she has disrupted my holiday. I hope that she doesn't do this again. My credit has been mixed up for years because I have had other peoples debts showing up on my history. Once I had a bankruptcy showing up and I have never filed bankruptcy, I am tired of always trying to defend myself from things I did not do. Is there anything that can be done to help. I never got a court date, I was told I owed and that was that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as i assure it has to be. I have not been able to get help from them for months that is why i am filing this report here. I feel they are not doing their job properly and it is effecting me a great deal because I use PayPal quite often and now I can not access the money I have sitting in my account and that is not right at all. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a store credit card a walmart credit card through ( capital one bank ) I have been paying them since I believe I got the card in ( XXXX or XXXX ) and I started my first pay i believe in ( XXXX or XXXX ) I always pay my bills good and I was wondering why when I pay it never goes down! So I called them several times and contacted the mail office about this matter to tell them I am being charged double on each of my month bills I mention to them the other cards I have deduct my payments and you all are not instead when I pay the bills they do not deduct the payments they never applied my payments but charging me over for the payments which is doubted and I can not get them to do so! They refuse to put the payments on correctly and they refuse to send me my statements with all the payments I have made for months almost two years or more! I have spoken with several managers and bosses over them and the fraud departments for their companies i have contacted their companies with letters mentioning to them I am being double charged each month and my bills have remained close to the same! I told them this is illegal and very much fraud and I mentioned and told them they are violating my civil rights it's illegal to double charge a bill and never deduct each payment my the months as agreed on any credit cards they refuse and told me I have nobody it like that! Which is a illegal lie and they also told me they can not send my statements and tells me they will not! I told them they can not refuse paper statements and I am tired of it this been going on for about two years or more. I have called this companies sometimes several times a month and wrote their cop rate office and the corporate office never responded I called their cop rate office someone answers and when I started telling them the matters or asked them why have they responded too my letter concerning the double payments and fraud and I have been refused paper statements in the mail they hanged up every time! This is illegal and not right. How c and you take people 's payments and not! Apply them and charge them the same payments over illegal crooked highway Robbery fraud and laundering money falsifying customers payments illegal money gains! Which is! Prohibited by law. And they are still doing never got s statements refusing to apply my payments they doubted and refusing to reimburse my money back from their illegal doings and processing for monery gains which is fraud their illegal and laundering misleading companies dealings. Be blessed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX  XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX XXXX Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and Brand marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and Gearing factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX factory in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX XXXX Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX Frauding scams using XXXX IDs and business permits frauding using XXXX birth certificate

Company response to consumer: Untimely response
Consumer complaint received 2018-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
on XX/XX/XXXX capitol one credit card collection agency-XXXX settled the debit owed by me along with my lawyer to {$12000.00}. see attached settlement letter. 
Since then I have regularly paid the said amount to the debit collector. later this debit collection was taken over by XXXX XXXX XXXX firm. The payments were made to this debit collector. The final payment was made on XX/XX/XXXX. a total amount of {$12.00}, XXXX was paid to the debit collector ( see attached bill payment statement from XXXX XXXX XXXX ). I have paid an excess of {$80.00}. since XX/XX/XXXX after the final payment was made i called XXXX office many times and requested a XXXX balance letter, refund of my excess payamnet, and report to credit bureaus as fully paid. NONE OF THIS HAPPENED FOR THE PAST MONTHS. I have called XXXX debit collector and emailed them several times more than 20 times with the attached settlement agreement sent by XXXX and the total amount of payment made to the new debit collector. 

Experian sent me a credit report which states that there is one negative report on my report. I disputed it with experian. but they came back with the same resolution that I still owe {$3700.00} as of XX/XX/XXXX. THIS IS INCORRECT. CAPITOL ONE CC IS ROGUISH FINANCIAL COMPANY THAT PREYS ON POOR PEOPLE AND MAKE UP FRADULENT CHARGES. THEY MUST BE TAKEN TO TASK AND MADE TO PAYBACK MY EXCESS PAYMENT, and fix my credit report immediately. 

I am applying for a home mortgage to refinance my home which is going under foreclosure. but this negative report and dishonest loan balance reported by capitol one is severely affecting my mortgage loan application.

I humbly request the CFPB staff to take immediate action and order capitol one to remove the inaccurate credit reporting.

see attached files from experian report on capitol one CC and supporting evidence that I have paid the loan as per settlement agreement.

Capitol one must report as XXXX balance. 

thank you for your help and prompt action. I am very grateful that our government has created agencies like you to help citizens from predators. 

thankyou XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer a natural person demand XXXX XXXX Transunion remove all accounts from their credit report on me as the consumer immediately As the consumer I never authorize XXXX XXXX  Transunion to furnish a report on the consumer take everything off the consumer profile and report. XXXX XXXX  Transunion own the consumer {$60000.00} dollars for violating my consumer as natural person pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Send me the consumer the contract that your company 's allege say that the consumer sign threw through CFPB and the consumer will file a complaint with FTC. No consent is identity theft violation under federal law. Send me check for violating my consumer rights as federal protected consumer.

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 2017-08-09
Company: Cornerstone Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Just so happened to see this on my credit report. I sent a dispute letter and the company came back as it did n't have enough information to investigate. XXXX, They recieved my name, birthdate, so called origional creditor ... If these people can add this collection to the credit bureau, then they can find me in their system. If they " ca n't find me '' as they say, or fully validate any account, they have NO right to try to collect. It 's my right to request valadation or they must delete collection from report. Valadation includes any signed documentation that I have with them showing any connection between us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: OH
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 been going over my credit report and I seen some accounts and Inquiries I do not recognize on my report. I have never done business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX to send me files and paperwork and I have never received anything to review. I have filed several complaints with the Consumer Financial Protection Bureau, this matter just seems to continue. I had moved a few time in and out of the XXXX area and someone has obviously accessed my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
Bank of America reported that I have a payment greater than 30 days past due in XX/XX/XXXX. However, the statement I received in XX/XX/XXXX was misleading and led to a misunderstanding about the actual due date for the payment. The XXXX statement combines the overdue amount with new charges and assigned a new due date of XX/XX/XXXX. Because of this layout, and failure to identify that a subset of this amount was actually due before XX/XX/XXXX, my actual payment date of XX/XX/XXXX was considered late for the overdue amount from XXXX. I'd like to make sure that others don't suffer from a similar misinterpretation.

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 2021-06-27
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife and me opened an account in Wells Fargo by the least six years ago. We live in XXXX and all the time we want to access to our info bank, our deposit or simply to know if is possible to use our credit or debit card. 

Wells Fargo prevent us to access to our account and to our money and is impossible to use the online banking because that tool is blocked for any reason that the bank and the people working for it don't resolve. 

Is inconcebible and crazy can't access to our money or our account because none reason. 

We need your help and to resolve a big problem that involves our savings and our sons, in the middle of pandemic for XXXX XXXX. 

XXXX XXXX and XXXX 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 2021-06-27
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: Problem with personal statement of dispute

Complaint:
I checked my Experian FICO score and it is very low compared to other credit agencies. I checked the reason for the score and the following is their reasons. 
1. Serious Delinquency. I admitted this is true because I co-signed for a mortgage for my daughter and she failed to me her obligations, I still had to pay over {$35000.00} to pay off mortgage. 
2. Few Accounts paid on Time. Baloney, When I receive a bill I send out a check the very next day without fail and have been doing this for 20 years. Even the records of my accounts with Experian shows every credit card and loan has been paid on time. 
3. No load activity. If I don't need a loan why in the world would I apply for one.? 
4 No credit card activity, Baloney, I buy from XXXX at least 2 times a week and use my credit card. This has been going on for years. 
Experian wants me to upgrade to their higher credit plan that cost additional money and I refuse to do so, so they continue to lie about my credit score and fico score. They should be investigated and shut down NOW

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 2020-08-31
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive tried contacted the original creditor in regards to the debt. The phone number has been disconnected and they have not provided an updated contact number. I was finally able to get a contact number and they told me the account was collections. I called today XXXX Monday, XX/XX/2020 at XXXX ) and the call was being recorded. I spoke with a representative that said the balance given to them was {$51.00} I was told the original balance was {$50.00} and explained to her I could pay the {$50.00} after going back and forth. The call was being recorded and she told me that if I paid the {$51.00} the balance would be paid in full. I refused to pay and called the original creditors back for the exact amount in which they informed me of the {$51.00}. I called back at XXXX and the same representative answered the phone and I asked to speak with a manager. She  transferred the call to ( XXXX ) who claimed to be a manager. She then stated she was refusing to accept the {$51.00} as a paid in full balance. I told her the representative prior to her had given me the amount of {$51.00} to be paid in full. She declined and refused to hear me out. I told her the calls were being recorded and that I wanted someone of higher authority to listen to the recording of the previous conversation. She said she had been there the whole time rang both conversations and she knew what her representative had said. She said she was the highest form of authority and to call back in 5 minutes so she could listen. I called back at XXXX and XXXX got on the line Claiming to have listened she said that the representative had only told me the amount of {$51.00} to tell me whats as sent to them. I would like for someone to get a copy of the recorded conversations as proof of the conversation. I know what I was told and she refused to let me hear the recording. Over a recorded call I paid the balance of {$51.00} in which I told would bring the balance to paid in full via phone with my credit card. Authorizing only the amount of {$51.00} to be deducted from my account through a one time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: CHALLENGE FINANCIAL SERVICES
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX traded my old vehicle to purchase a used vehicle. The traded vehicle was financed by Challenge Financial Services of XXXX, California. XXXX XXXX XXXX traded the vehicle and attempted to payed off the vehicle with the lien holder Challenge Financial. The contact person at Challenge Financial was XXXX XXXX who proceeded to give false, derogatory, and unprofessional information to XXXX XXXX XXXX. 
XXXX XXXX was given the wrong address to send the payoff check by XXXX XXXX. He provided XXXX XXXX, Financial Director at XXXX XXXX XXXX, with an address in XXXX, which delayed receipt of the payoff. Meanwhile Challenge Financial on XX/XX/XXXX,  deducted {$260.00} from my account and received the payoff on XX/XX/XXXX. XXXX XXXX of Challenge Financial continued to lie and say they had not received the payoff as late has XX/XX/XXXX. The tracking number ( XXXX ) from XXXX showed that they had received the payoff in XXXX, California on XX/XX/XXXX. Please keep in mind XXXX had sent the payoff the first time, on or around XX/XX/XXXX to XXXX, California and it was returned and they were forced to get the correct information from another source. This maneuver allowed Challenge Financial to take {$260.00} out of my account and receive the payoff amount as well. 
I have sent a demand letter requesting a refund of the {$260.00} as well as insisting that the payoff be reported to XXXX, XXXX and XXXX credit reporting agencies. 
This behavior is INTENTIONAL FRAUD and THEFT.

Company response to consumer: Closed with monetary relief