BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-08
Company: WELLS FARGO & COMPANY
State: MT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My checking account with Wells Fargo was fined for an overdrawn balance due to a cable company called " XXXX '' in XXXX NC. The fault was with XXXX, and so Wells Fargo charged me an overdrawn balance and never bothered to repay me, even after I received a minimal balance back from XXXX cable company. Also I have a new checking account that I share with my wife XXXX XXXX, and recently an amount of money was taken out that should have never been taken out to begin with, resulting in my gas for my car for work being empty, and my lights almost being shut off that I share with my wife, and other past due bills being effected due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint ( XXXX ) on XX/XX/XXXX regarding this company not being bonded or licensed to collect in IL. They submitted the attached document from the IDFPR. At that time in XX/XX/XXXX, they were licensed. However, per the attached that THEY sent me and upon checking the IDFRP 's website moments ago, their license has expired on XX/XX/XXXX and legally they can not collect from me and all collection efforts must cease or I will get my attorney 's involved and file a law suit for violating my rights as a consumer. There are currently 3 negative items reporting on my credit reports from them and I want them removed ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion is deliberately obfuscating their security freeze instructions to direct customers towards their fee-based " XXXX '' monitoring system. They are doing this in direct response to the XXXX breach and appear to be intentionally exploiting customer fears to drive customers towards a revenue-generating product instead of assisting them in exercising their rights under law. 

Here is a permanently archived version of the TransUnion credit freeze web page as it previously appeared on XX/XX/XXXX, the same day as the XXXX breach announcement : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific direct instructions in plain language regarding what a security freeze is and how to add or remove a security freeze. 

Here is the TransUnion credit freeze web page as it appears since XX/XX/XXXX : https : //www.transunion.comXXXX Here is a permanently archived version of that webpage made on XX/XX/XXXX ( in case the above page is changed ) : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific clear instructions have been replaced by a marketing message carefully crafted to lead customers to sign up for their revenue-generating TrueIdentity product. Also notice that discussion of customer 's rights to a credit freeze is deferred to the end and written in very passive language ( " About credit freeze '' etc ). Also note that on their XX/XX/XXXX ( and current ) page they imply that some customers may not qualify for a credit freeze when they state that " a credit freeze may be available under your state law. '' This is in direct contradiction to their statement on their XX/XX/XXXX page they explicitly state *at least twice* that " TransUnion will allow any consumer in any state to add, lift or remove a security freeze. '' TransUnion appears to be intentionally misleading customers by using deceptive marketing tactics and intentionally vague language in order to manipulate customers into signing up for a product they do not need. The objective seems to clearly be to increase their profits by preying on customers in a time of crisis.

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 2020-07-15
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Correction XX/XX/2020 at XXXX XXXX PDTTransaction ID : XXXX Payment Status : COMPLETED Gross amount - {$9000.00} USD We have no postal address on file Your Payment Gross Amount- {$9000.00} USD PayPal Fee {$0.00} USD Net Amount- {$9000.00} USD Contact info PayPal Funding details Funding Type : PayPal Balance Funding Source : - {$9000.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim. 

Memo {$9000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sent a communication to the AD ASTRA RECOVERY SERVICES company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX, I contracted with XXXX XXXX XXXX to spray my front and back yard for pest once a month. They knew that the gate to my back yard is always locked. I operated a XXXX from my home, so there was always someone at my residence to open the gate and give them access to my back yard. 

From the time I hired XXXX XXXX XXXX they kept charging me for services they did not provide. I told them them to knock on my door when they arrived to spray my yard, so I can open the gate. I also told them to leave a notice on my door, if no one answered the door. They never came to my door and never left any message that they were there for months. Then I started getting calls that my payment was past due. 
I told them that I was not going to pay them, unless they showed proof of the service I requested. They kept harassing me with phone calls. I have not lived at that address since XX/XX/XXXX, and these people are still harassing me to pay them and they know that they did not provide the service. They started by telling me I owed them XXXX dollars, after I told them that I was not going to pay for a service that they I did not receive. They have taken drastic measures by submitting my name to XXXX XXXX to collect {$260.00} from me. This company has submitted derogatory and erroneous information to the credit bureaus, tarnishing my name publicly. 

I reporting XXXX XXXX XXXX to you for you to stop them from pursuing this fraudulently collect debt they say I owe. Someone has to protect we the consumers from these vultures.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my complaint is that the company has not allowed me to resolve my problem they continue to file foreclosure notices driving what I owe up in fees. I am upside down with Facts : I am requesting the bank hold off until all the processes of modification request and other options are completed. 
I now have a steady income and can afford to keep my home. I am working with loan servicer Ocwen. 
They service the loan for XXXX XXXX. I have had to deal with people who sound like they are located outside the country. 
I do get a response and the representative is very polite ; but offers little or no help except repeating a script. I have called all the resources they offered, and the lines are not available any more. The present state of my loan is that I presented a modification request and a forbearance for a year. I can not afford a lawyer and am representing myself. Please take my complaint. 
FACTS : The bank has not afforded me any relive.Facts : 1 ) I build the home in 1982 on a lot that my father bought, a military veteran of XXXX XXXX XXXX. His name is on the original purchase of the lot where I built my home. 
2 ) I have lived in the home as the primary and only residence for 37 years since 1982. I have paid taxes on the property and have filed it as my homestead. 
3 ) The original paper work for the refinancing of my home was with XXXX XXXX, they sold my note to XXXX XXXX. The XXXX XXXX has denied my repeated requests for the modification of the mortgage loan ; to the point that I had to file bankruptcy. 
4 ) I was dismissed from the chapter XXXX after losing my job that creating a hardship to keep up the double payments. I have asked for XXXX XXXX for a forbearance and I informed by XXXX XXXX  I did not make enough money. I only owe XXXX in actual loan. The various fees drove up the owing amount to XXXX. 
5 ) I have filed for a loan modification for the 4th time and hope that the process will help me keep my home. 
6 ) The home is old and takes a lot of upkeep available my cash goes to maintenance and repairs, I keep the home because my dad bought me the lot. At present I have a XXXX son and XXXX XXXX XXXX children living with me. If XXXX XXXX goes through with foreclosure ; XXXX people will be homeless. I can not afford to keep payments for residence for my son and children.

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 2017-02-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with Wells Fargo that has always been paid in a timely manner. In XXXX of 2016, I traded in the car that was financed with Wells Fargo on a new vehicle. That transaction paid off the Wells Fargo loan. Nevertheless, since that time, Wells Fargo has reported to the credit bureaus that this account has been paid late. I have called Wells Fargo to correct my credit report to update the pay history on my credit report, but they have not done it. I have also disputed the delinquencies with XXXX, XXXX, and XXXX, but Wells Fargo is verifying the delinquencies. There is no way that I could have paid a loan late that has been closed since XXXX 2016.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX BANK has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-01-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have paid mid land credit management and it was removed from my credit report however they say they didnt receive payment? They want me to pay twice. It was removed from my credit report and they want me to still be obligated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I currently have a little lone w/Wilshire Consumer Credit for the amount of {$6900.00} on a XXXX Kia Sportage. I fell behind on two payments and on Tuesday, XX/XX/XXXX my car was repossessed. On Wednesday, XX/XX/XXXX at XXXX, I made a payment via XXXX in the amount of {$1400.00}. Upon making the transaction. I called Wilshire to advised them of the payment and gave them reference number. They confirmed receipt of the payment. I was advised that the release of the account/car can take between 24-48hrs. I have been calling them almost every 3hrs/day to inquire status of the release. They keep telling me it 's till pending. As of this morning at XXXX the release is still pending. It 's now been longer than the 48hrs. They keep telling to call back. I left a VM message for a " supervisor '' and no one has returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
What happened was that we were refinancing our current home mortgage with loancare with this other mortgage loan company called XXXX, and they advised me that they would be taking care of my XX/XX/XXXX payment when the closing took place on XX/XX/XXXX. I received a call from the loan officer that day stating that they put on hold until the XXXX due to recent state restrictions because of covid. On this day I received another call from them to say that they were putting a hold to the loan until the restrictions in NJ were lifted due to the pandemic because my husband job was closed due to the state shutdown, I then proceeded to contact Loancare about my XXXX payment. The XXXX payment was not made until XX/XX/XXXX due to me trying to contact a supervisor from XX/XX/XXXX to the XXXX since staff was limited due to covid. I spoke with several reps who instructed me to speak with a supervisor so that no late fees occurred or bad reporting due to the other lender putting the loan on hold due to Covid19. I do not feel like this is an accurate reflection of my credit history or my relationship with Loancare. I have called their credit reporting department and send emails with no luck or resolution. If you were to review my credit history, you would see this is the only late payment I have ever had. I have put in disputes with the XXXX credit reporting agencies with no luck as well. Transunion suggested that I reach out to consumer finance for further help. This situation was beyond my control please, I need help covid affected us so much and I can't refinance my home because this " one '' payment is hurting me so much. Other lenders can help me refinance because they state i have to wait 6-8 months and make payments on time. That was the only payment that was ever late since I purchased my home in XXXX of XXXX all of my payments even during the shut down were on time and two weeks early. Please help me with this situation that was beyond my control.

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 2022-04-11
Company: Southwest Recovery Services, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt does not belong to me. I called them back in XXXX and explained that this debt is fraudulent and does not belong to me. It was removed from my credit report, but it appeared again in XXXX of XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Bank of America they locked my account because someone hacked my account on XXXX I contacted them they sent a new card I called to activate they said I had to verify my identity through NV XXXX  and I did now unemployment is saying its up to BOA to open and they dont no when Im in the process of getting evicted if I dont get access to this money

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 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair credit report Act. The list of accounts below has violated my federal privacy and confidentiality under 15 USC1681 This accounts are under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602a States I have the right to privacy 15 U.S.C. 1681 section 604a section 2 - It also states a consumer reporting can not furnish a account with out my written instructions 15 U.S.U. 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make a consumer report containing any of the following items of information.Any other adverse items of information, other than records of conviction of a crime. Which antedates the report by more than 7 years 15 U.S.C 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer report Agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2018-10-19
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Procollect contacted me in reference to a settlement. I was advised that I could settle my debt for {$500.00} .I advised that I would be able to call her back ... .When I called back Ms. XXXX placed me on hold when she returned to my call she advised that she would not be able to take my payment. After she promised that she previously could I because I do not know collections tactics then asked my sister to assist me with the call .I advised that I gave my sister permission to speak on my behalf. They refused to allow her to assist me with the call then we were again disconnected. 

I have been verbally abused and consistently disrespected.

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 2020-07-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a chase bank account, and they have blocked my account and debit card. 

I called numerous times and they are unable to verify me by my name, social secruity number, and Driver lciencse number. They always say I am not in their system I always get the message when logging in to provide my SSN but they always reject me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Stellar Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My XXXX son has a not so new cell phone. Apparently the person who previously had that cell phone number owes money to someone. Today, a third debt collector called my son 's phone in an attempt to collect the prior person 's debt. We have informed both prior debt collectors that the phone number they were calling is that of a minor. While that may have stopped that debt collector, that had not stopped debt collections directed at my son, who is not the debtor, and who it is illegal for the debt collectors to call. 

The issue that I think the CFPB needs to address is how to stop this marry-go-round of illegal activity. There does not appear to be any duty of the debt collector to report to the creditor that the phone number associated with the account is bad. Likewise, there is nothing to prevent the creditor from asking a new debt collector from making an improper phone call to a minor to collect a debt the minor does not owe. 

In addition, as with happened with prior debt collectors calling my son, it is not so easy to get them to stop. When I told the agent that they had called the wrong person and had called a minor 's cell phone, she told me that they would take his number out of their system within two or three days. When I objected, I was connected to a supervisor who agreed to stop them from calling that number immediately. 

I then asked the supervisor to please send a letter of apology to my son. My thought is that after someone violates a federal law, the least they could do is appologize. The manager said he would say he was sorry on the phone to my son, but he refused to send a letter of applogy. 

One last thing, we live in XXXX, which requires that debt collectors have a special business license. While this debt collector claims to be located in XXXX, they used a XXXX telephone number to contact my son, and appear to be transacting business in XXXX. The supervisor informed me that his company does not hold the appropriate XXXX business license. As such, It think they should also be reprimanded for doing business in areas they are not licensed to act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am a victim of identity theft because someone unknown has been using my name and information and opened accounts. I reported to the FTC and to the creditors but the creditors do not remove the accounts that are not mine

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