BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: CIG FINANCIAL LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CIG willfully and criminally failed to respond to a debt validation letter that I sent on XX/XX/2022. Which violated the law pursuant to15 U.S. Code 1611- Criminal liability for willful and knowing violation.

Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

CIG is also in violation pursuant to 15 USC 1692g ( b ) which states, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. CIG has tried on multiple occasions to collect the alleged debt and have not sent me a verification of the debt. Attachments are below.

CIG is in violation of 15 USC 1611 which states criminal liability for willful and knowing violation. CIG has failed to provide information they are required to disclose under provisions of this subchapter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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 a 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 nine 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.

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 2017-10-24
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I previously filed CFPB complaint # XXXX about WELLS FARGO HOME MORTGAGE. Wells Fargo basically told CFPB everything was in order so CFPB closed the complaint before hearing my response to WELLS FARGO 'S Allegations. Im going to try to submit this complaint once more, in an attempt to make my concerns as clear as possible : 1. XXXX I signed 1st & 2nd Mortgages totaling : {$220000.00} 2. Wells Fargo presently alleges I owe : {$240000.00} 3. XXXX, XXXX Wells Fargo entered a 2nd Mortgage Release of XXXX : {$37000.00} XXXX. XXXX I contracted with Oregon Making Home Affordable Program : {$35000.00} 5. Since XXXX I have paid : {$85000.00} 6. Despite ROL, MHA and my payments the original debt has INCREASED : {$23000.00} My question ( which Wells Fargo and CFPB have failed to answer ) is : How can Wells Fargo receive {$150000.00} ( consisting of a {$37000.00} Release of XXXX which I was required to claim on my XXXX Federal Income Tax, {$35000.00} in Oregon Making Home Affordable funds, and {$85000.00} payments Ive made on the original mortgages ) and still claim I owe {$23000.00} MORE than the original combined mortgages, while also claiming " all unpaid late charges that remain unpaid will be waived '' ( XXXX XXXX, XXXX Mortgage Modification )?

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 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-06-30
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I contacted the one eight hundred number on bank account statement, at first I was told there no account in there bank then I was told that my account when, t dormant to the state of California, so I said to person on other end of phone that you can tell me my account went dormant to the state, so I tell him that he has to be looking at my account to be able to tell me it went dormant to the state.i giving a phone number to call on XXXX XXXX bank BBVA Compass bank talked to a lady Manger and she would look in to it and call me the next day, I never received a call back, I called California State Controller unclaimed property Division, Thay took my information to look through records for dormant account of BBVA Compass Bank there's nothing there, then I was asked about this account number and bank as I explained what the bank said I was told the ways it works, that if my account went dormant to the state that Thay would have sent a letter with the funds with my name on it legal.So I tried contacting Bank and told them that there is no money there and then, So finely thay came up with my account and ask my Mather 's maiden name as he opened the information and told me the account is XXXX and it when, t dormant in side of the bank and I need to go into a BBVA compass branch closes to me and to take my ID and my account would be reactivated with my money in it from XXXX to XXXX as of Friday XX/XX/XXXX at XXXX XXXX I walked in to BBVA compass branch on XXXX XXXX in XXXX CA hand them my I D at the teller 's window and thay didn't even know what I was talking about, so I gave her my account number and I was told that there is no account here, so I spoke to a manager and gave him the information I was given over the phone of BBVA compass customer services, with the name of the person I spoke with and his ext, number as he called an for one hour I sit there and then he ask to make a copy of my account statement and Driver license and SSN number, i have not received a call back, in XXXX XXXX I had close to {$10000.00} thousand in that account.and all entries from should be added to also I was in XXXX XXXX until XXXX.I explained to the bank of my were about, s

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please read the attached letter, it pretty much explains what. I had tried unsuccessfully to fix this matter with Well Fargo in years past.. The Washington State Attorney General suggested I filed a complaint with Wells Fargo new attorneys.to the Washington State Bar for fraud on the court and class B felony for copying a alleged promissory note. ( The Old attorney XXXX XXXX and XXXX including trustee XXXX XXXX were forced to close in XXXX because the DOJ and many lawsuits against them ). Since then the BAR dismissed my case but the Alleged Debt to service had been transferred from Wells Fargo to XXXX XXXX XXXX. I apologize it took this long to send this from the date of the attached letter. but I had a problem with the internet after the last snow storm.

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 2019-06-30
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found these late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: CMRE Financial Services, Inc.
State: TX
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 am giving you an opportunity to cure, due to improbability negligence or mistake after this and i do not get remedy my notary will issue me a certificate of dishonor and i will be filing civil action against your company, i got a response XX/XX/2022 from this company via cfbp and they have not deleted the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX there was unrecognized transfers from my Western Union account. I immediately called western Union to notify them or the 3 transactions that appeared suspicious and not initiated by me ( XXXX # XXXX ) & ( Case # XXXX ). 
- Western Union opened a case and notified me that the transactions will be cancelled and my bank account from where the money was being drawn will be blocked so that no further transactions or money is drawn. 

The following day 2 transactions were still processed for {$1400.00} each, and when I called WU, they are not agreeing to reverse the transfer or credit the money back. 

There is serious flaws in their system controls and they take no accountability at all let fraudulent activity occur. 

Also to note the transfers were made to accounts that I do not recognize, and western Union did not even notify me of any new payee accounts being added to my account. 

I am losing {$2800.00} and they are not taking responsibility at all, despite me warning about the unrecognized transaction. 

Can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Colony Brands, Inc.
State: KY
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:
I received a bill from Montgomery Ward for a product I did not order. Friend took catalogs home with her. I know it was fraud because I did not order this product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Goldman Sachs is reporting deposits that I make into my Goldman Sachs Marcus money market account as " Collection '' withdrawals from my XXXX XXXX XXXX  checking account : please see supporting documentation of at least 5 examples of these " Goldman Sachs BA Collection '' withdrawals that have posted on my recent XXXX XXXX Bank checking account statements. 

These incorrect postings are causing XXXX XXXX  's mortgage division to inquire about these " collection '' activities, which they claim that I did not disclose to them. These multiple and compounding instances of inaccurate reporting by Goldman Sachs are jeopardizing my loan approval and damaging my credibility with XXXX XXXX  and XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  on XX/XX/2021, and XXXX XXXX XXXX  confirmed that Goldman Sachs is the financial institution indicating each withdrawal from my XXXX XXXX XXXX  as " collection '' activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EAST WEST BANK
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, someone approached me via XXXX and tried to be friend with me. I accepted the request. From XX/XX/XXXX to XX/XX/XXXX, we had exchanged messages on XXXX and she persuaded me to learn cryptocurrency trading from her. She even guaranteed to make profit from the get go. I hesitated for a while, but couldn't resist the temptation of making quick profit. I registered an account on a trading platform called XXXX, and started transferring money from both my bank account and IRA account. 

The following is the receiving bank information : Name : East West Bank Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX Routing Number : XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX Name : East West Bank Account Name : XXXX XXXX Trading Limited Account Number : XXXX Bank Code : Same as above Routing Number : Same as above Bank Address : Same as above Phone number : Same as above However, on the morning of XX/XX/XXXX, when I open the mobile app to check my account, I found out that the mobile app is disabled and I cant access to my account anymore. I immediately reach out to that person for help via XXXX. But the message couldnt get through. I started calling her and the trading customer service, but I failed every single time. They just disappeared all of sudden. Then I realized that I become the victim of internet crime activity. 

The information of that person and customer service representative is listed below. XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX : XXXX Marital Status : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX Customer service representative : Name XXXX XXXX XXXX Phone Number : XXXX The fund on my trading account disappeared too. My total investment loss is {$200000.00}. I have reported this incident to my local police department and my financial institution XXXX. I have all the information and documents to support. However, the purpose of this report is to file a complaint of East West Bank for being potentially associated with fraud activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX/XXXX I went into an XXXX XXXX XXXX authorized retailer to discuss the possibility of switching from a pre-paid plan to a post-paid account with a device. During the course of the conversation the employee performed a credit check without my knowledge or permission. At the end of the conversation the employee said the check had been a soft pull and would n't affect my credit. 
XXXX/XXXX/XXXX I got an alert that XXXX XXXX XXXX had done a hard pull of my credit on my equifax report. I immediately called XXXX XXXX XXXX and they said they could n't do anything, it had to be removed by the credit reporting agency. Equifax had already closed for the weekend. 
XXXX/XXXX/XXXX I spoke to Equifax, they said XXXX XXXX XXXX had to give electronic authorization to remove the inquiry. 
XXXX/XXXX/XXXX I spent over an hour on the phone with XXXX XXXX XXXX transferred to 4 different departments. No one knew how to remove it, most people said they could n't have done a hard inquiry. They told me I had to speak to the store where the inquiry had been done. 
XXXX/XXXX/XXXX I spoke to the authorized retail location and the employee said she needed her manager to help her. 
XXXX/XXXX/XXXX I spoke to the manager at the authorized retail location. He did n't know what to do and hang up on me, then refused to answer the phone ( I tried calling back for over an hour ). 
XXXX/XXXX/XXXX I spent another half an hour on the phone with XXXX XXXX XXXX customer service. They transferred me to finance who said I needed a payment specialist to help. The payment specialist did n't know what to do and hung up on me. 
XXXX/XXXX/XXXX I filed an online dispute about the inquiry with Equifax. So far no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: GA
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:
In support of CFPB Complaint ID XXXX. Kindly review attachments illustrate willful violation and or reckless disregard for Mr. XXXX SSCRA protected member protected rights relevant to an ongoing investigation. Furthermore, Experian since 2004 reported defamatory, libelous statements defaming my good name and reputation to date. Acting furtherance in adverse action or retaliatory and wanton conduct casting aspersions about SSCRA protected member are a gross fabrication to lenders, bankers, and potential employers. Experian violated 15 U.S.C. 1681n ( a ) " any person who willfully fails to comply with any requirements under this statue is liable to that consumer ( complainant ). 
See Harris vs Mexican Speciality Foods, Inc ; 564 F.3d1301.1306 ( 11th Cir.2009 )

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 2021-09-20
Company: Aspen National Financial, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/21 I received a phone call with no voicemail message left. I returned the call at XXXX and it was a collection agency. I requested that they send me an original statement so that I could confirm the charges because I never received the bill. The agent indicated that it would be a letter/statement from the collection agency and that they could not send me the original statement. I asked for the original creditors contact information just so I could request this from them and they told me that they would NOT give me that information unless I paid. I've never received a validation notice or a notice giving me time to dispute the debt so I think I'm at least entitled to a copy of the original invoice before I pay it. The agent was very argumentative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/19 I got online to pay my Kohl charge card and saw that I was past due I called Kohls spoke to a supervisor initials XXXX who informed me I had cancelled two payments. I told her I never cancelled any payments she stated I had to reach out to my bank and get that rectified.and If I paid {$110.00} I would be caught up. I paid the {$110.00} and then on XX/XX/XXXX I see my account is past due {$150.00} I said what is going on. I called Kohls again spoke to XXXX ID # XXXX who told me the call didn't have to be monitored because account was due for XXXX and XXXX. to send the letter to XXXX XXXX  XXXX XXXX Wisconsin but they would not be able to take 30 days off because it was valid. I was given false information I have never been 30 days late and now this has affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
When I was XXXX XXXX XXXX ( sometime between XX/XX/2008 and XX/XX/2008 ; turned XXXX on XX/XX/2008 ), my parent/legal guardian/father had me sign a paper to take out a private student loan for {$10000.00}, I was not aware of/did not understand what I was signed. He was the co-signer. I was unaware of the loan and loan payments until after I graduated and the loans went into default, negatively impacting my credit and leading to extreme financial hardship. 

I did not understand how inappropriate this was at the time as I was in my early XXXX and frantically scrambling to make payments in the face of constant calls from Navient asking to collect on the loan. The loan has since been paid in full by me. However, now that I am an adult and have a better grasp on the situation, I have a better understanding of the situation and am looking to take action to recoup the money paid from either the institution or the co-signer.

Company response to consumer: Closed with explanation