BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Loans and debt that are not mine. Trying to buy a home and this is affecting my ability to do so. Please help me get this removed ASAP.

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 2018-06-19
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, MDS is attempting to collect a medical debt that I am not familiar with or responsible for. Another company has notified me they have a similar collection notice that is not valid. 

Can I have proof of the debt provided and harassment ended? 

Thank you.

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 2018-11-27
Company: Seterus, Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XXXX servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX within weeks of the transfer notice.

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 2019-02-18
Company: MOHELA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently filed an identity theft report on MOHELA for stealing my SS # and other information to create an account. I requested multiple times in writing and by phone to STOP calling me. I consider their phone calls harassment. They call every Monday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
It is very apparent that either nobody bother to reads the full statement, or you guys are absolutely illiterate and can't comprehend what I have written.. PLEASE READ THE STATEMENT IN ITS ENTIRETY, AND BEFORE JUMPING TO CONCLUSIONS, YOU'LL NEED TO DO YOUR DUE DILIGENCE AND RESEARCH THE CALL AND HONOR THE STATEMENT, BECAUSE YOU DO SPEAK ON RECORDED LINES. 

I called and spoke an agent on or around XX/XX/XXXX, or somewhere within that time frame, and the agent advised me on the phone that once I got my balance really close to 50 % of the credit limit, that capital one would go ahead and turn my card back on. I called back on XX/XX/2017 to confirm this and was given the run around, after I advised them that if the call was recorded, which they claim they are, that it was stated on a recorded line, and they made a promise that must be honored. I do not want to wait 6 - 10 weeks for someone to just go and listen to a call to confirm what the agent said on the phone, which I think is highly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i Purchased a {$60.00} Toy on my ( HHGreg ) Credit Card in XX/XX/XXXX and i returned in 2 weeks, Store Customer Service ( Returned item Cashier ) made mistake and returned {$60.00} to my Different Credit Card instead returning Back on ( HHGreg ) Same Card i realised in XXXX some time then i started Calling to Store and Credit Card Bank ( SYNCB ) and amount became XXXX HHGreg they Shut Down all their stores, and ( SYNCB ) don't want to Cooperate. i have tried with XXXX and XXXX Customer Service referred me to XXXX now please i request help from you guys i should not be penalized for something i did not do. i always wanted to pay original amount but no body listened to me. 
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 2018-05-17
Company: Worldwide Processing Group, LLC
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting phone calls, 3 per day, from what appears to be a local phone number. However, when they leave a message it is a computer voice saying they are trying to locate me and if I don't call they back they will contact all references on file. They leave the call back number XXXX. The call reps answering the phone at that number are rude, threatening and refuse to stop calling. Apparently there is some " debt '' I owe that they are trying to track down. I recently bought a house and the bank thoroughly checked my credit. I do NOT owe any money. I need these harassing phone calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo sold my account to XXXX XXXX  then closed my account and transferred my funds to XXXX XXXX without my permission. XXXX XXXX was unable to provide me with access to my funds for over a week, a direct result of Wells Fargo 's unethical actions. 

Wells Fargo gave XXXX XXXX my personal information without my permission. 

Wells Fargo gave XXXX XXXX my social security number without my permission.

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 2018-05-17
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX opened new account with Chase and used a new account opening coupon from Chase for the amount of getting XXXX after account remains open for 45 days. On XX/XX/XXXX I received a deposit from a friend to my account the bank accepted it in the amount of XXXX then on XX/XX/XXXX they closed my account with out notifying me found out account was not working when I logged in and could not access account. I called the bank immediately and they said that they closed my account and that they were not able to reopen the account, that I needed to go to another bank for my banking needs since they would not be able to have me as a customer. Only had this account a week and everything was ok until I got this deposit and then everything went South. They will not tell me why or if I will get the money that was just deposited into my account before they closed it. On XX/XX/XXXX received another email now stating that my account that they closed is now overdrawn. Instead of sending my deposit to me they sent it back to my friend and charged the closed account a return fee. And on top of all this because when I opened my account I linked my son 's account to monitor it and they closed his to with no explanation. I will never trade with Chase again. They are crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ive noticed that someone is using my ssn and personal information to open and banking account, applied for unemployment benefits, and COVID 19 mortgage solution. The address is somewhere in WA.

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 2018-12-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company contacted me XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. Each time I told them that I wont have the money to pay my account until the end of the month when I get paid. I asked them each time not to contact me on my cell phone. They have ignored my request. on XX/XX/XXXX they called me and told me they have every right to call me and I told them not if I repeatedly told you not to. I tried contacting the manager on XX/XX/XXXX stayed on hold for 10 minutes, he never answered my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2020 and XX/XX/2020 attempting to link our business checking account to XXXX in order to apply for PA State XXXX XXXX Grant. 

Keep getting an error message from XXXX that PNC has changed their procedures and is not allowing a properly authorized link to occur. 

Need resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
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 the bellow accounts that does not belong to me and i want them to be erradicated from my credit report ASAP. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: Bread Financial Holdings, Inc.
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:
I have been complaining about this fraudulent account on my credit all of 2018. I have no knowledge of how my information was obtained in order to put it on my credit reports. I have never applied for services or lines of credit with this company. And never have I given anyone else perimission to do so nor co-signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am not liable for this debt with XXXX XXXX  and I do not have a contract with Hunter Warfield plus, they did not provide me with the original application like I asked. I paid a Debt due to the harassment of phone calls and letters and reporting this to the Credit Bureaus. Under 15 USC 1692h 810. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. I would like any and all payment ( s ) be returned to me by check.

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 2018-05-17
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:
I disputed the accuracy of account XXXX XXXX XXXX # XXXX, requesting proof ( OG application w/ my signature ) that this account belongs to me. However, I have yet to receive any contracts, applications with my signature verifying that this account actually belongs to me. I have sent multiple disputes trying to get this unverifiable, inaccurate account deleted, however the bureaus continue to report inaccurate, unverified information. Balances on 3 bureaus are different, one bureau reports a monthly payment on a close account. The account is just inaccurate and bureaus have not followed through with proper verification.

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 2018-11-27
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
While returning on a flight from XXXX to XXXX on XX/XX/2018, I received a flyer from a flight attendant for a Delta Sky Miles credit card to join for XXXX bonus miles. The following day, I contacted the phone number on the flyer, and explained that I wanted to acquire this Sky Miles Delta card for the XXXX bonus sky mile points. 
I spoke at length about what I would need to do to follow all criteria on obtaining this card, and I agreed. I asked about cancelling the Blue American Express Delta Sky Miles card that was in my husbands name, and said that was no problem, as this was in my name. 
I was sent an email with Ref. # XXXX as my thanks for applying, telling me not to apply for another Gold Delta Sky Miles credit card during the application process. I did not. 
On XX/XX/2018, my new Delta Sky Miles card was sent. I enrolled in Online Access. 
I was sent an email that the Blue Delta Sky miles cards were cancelled. 
I proceeded to follow the rules of using the card to make sure I got my XXXX bonus sky miles, even calling American Express to make sure I was doing what I was supposed to do, and calling also about the {$50.00} Delta purchase I needed to make. 
In total, I probably called 6-7 times in the 6 months we were using this card.

One of the times I called, I spoke with a fellow about when my sky mile points would be posted. He wasn't exactly sure, but told me to wait until my XX/XX/2018 bill. He said " Don't worry, they will be on then ''. 
When I got my bill the end of XXXX, 2018, the points were not on, so I called. The person I talked to told me I was not enrolled in any special bonus points program. After speaking to him for about 10 minutes arguing about that fact, I asked to speak to a supervisor. XXXX came on the phone and told me that I was not enrolled in the program, When I asked what she was talking about, she said that I had already had a Delta Sky miles card in the past, so was not eligible for another one. She also stated that there were NO record of any calls from me to American Express in the last six months! I asked her if " I was in the XXXX XXXX? '' I was never, ever told this by anyone in the 6 months since I applied. 
If I had been told that, I never would have applied for this one. Why would I cancel a NO FEE card for a {$95.00} a year FEE card? 
I sent a complaint to the Attorney General of Minnesota, and American Express wrote them saying I would NOT be compensated. That they had listened to the calls and I was told about having had a card before, so I would not qualify for this one. I WAS NOT TOLD that. I want to hear those calls. 
When I called XXXX XXXX who was working on my case, she informed me to contact your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Square Inc
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX Cash App withdrawal from my personal checking account on XX/XX/2021 for the amount of {$50.00} {$100.00} {$50.00} I do not have a cash app account. 
I contacted my Bank and Cash App this is what I was told to do to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I setup my LEASE PAYMENT account online with Chrystal Capital Financial since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. 
But what happened is, Chrysler Financial stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. 
So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. 
Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for Chrysler Capital website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without warning or notifying me it would be posted on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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:
Bank of America offered mortgage loan with 10 % downpayment, during the loan final approval process they requested 20 % instead otherwise they would have canceled the loan when we agreed for the 20 % they did not change the rate which should have changed from 4 % to 3.75 % and continued to stall by asking for the same document multiple times, we had to extend the closing twice, and still have not giving final approval, it has been 5 weeks since they accepted the loan application. we want them to fund the closing this week otherwise we will lose the property.

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 2018-11-27
Company: Hawthorn Recovery Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called Hawthorn Recovery Services today, XX/XX/18. I told them I only owed XXXX because my original debt was paid XXXX dollars before they sent me to collections. I asked the drs office where the money went and they don't know. They won't give me my money back because they don't know what account it is in. I have disputed this with my bank and they have told me it can take 120 plus days to even get an answer! Mean while, I call Hawthorn recovery services tell them it is the wrong amount owed and i think it is unfair of me to pay right now. The debt collector tells me " well that's fine it will sitting in collections, lowering your credit score, and gaining interest '' might i add this is a medical bill! A medical bill gaining interest! Also the drs office agreed to give me 12 months to pay off my medical bill and only gave me 4 then sent me to collections!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXXXXXX XXXX XXXX account no.XXXX  appeared for the 1st time on my Transunion credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.Transunion today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.Transunion via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY TRANSUNION REPORT IN LATE XX/XX/2018 AND WHY DIDN'T TRANSUNION DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.

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