BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
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: Credit inquiries on your report that you don't recognize

Complaint:
Under California Law a debt collection is 4 years but some how this debt shows that someone other than me is making or have made payments keeping the debt from statute of limitation by providing false and misleading entry into report of payment. I have disputed this debt and still no response from company on this account. I have sued this Company before for violating the FDCPA, this account should have been removed from credit report by now. But not only did the Insurance pay this debt after the default of the loan, they are still reporting the debt to the credit bureau as a accurate fact. I deny their claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have attempted to reach out to Wells Fargo on several occasions over the past month to resolve issues with my account. Each time I contacted Wells Fargo I had to provide/answer many identifiying questions including and not limited to social security number, date of birth, address, telephone numbers, work number, credit card number, credit secuirty code. I made Wells Fargo aware that I can not remeber any verbal password I provided and want this feature removed from my account since I do not recall giving a verbal password and do not want to use this feature ... To date Wells Fargo has refused to take any calls and allow me to use the account. 

Wells Fargo has refused to remove or allow me to change the verbal password and refusing to resolve the verbal password issue thus delaying use of my account. 

I believe Wells Fargo engaging in this deceptive discrimintory practice to avoid allowing customer to negoiate payments during the pandemic. I want the CFPB to enact and pass laws that allows consumer to opt out of using verbal passwords and prevent Wells Fargo from using this feature to block consumer from using and accessing account 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 2021-09-13
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a notification from my credit card ( XXXX ) that I had a derogatory mark on my credit report. I reviewed my credit report and there was an outstanding debt balance from IC System. I called IC System ( spoke with XXXX, ID # XXXX ) and explained that I was never notified of debt or given an tracking number. I asked for their documentation that they attempted to notify me of debt and they said that they attempted 1 call and could not leave a voicemail due to privacy and they could not mail a notice because my address was out of date, and no other attempts were made. I asked why other calls were not made before they submitted the debt to my credit report and XXXX states it due to having thousands of accounts and being understaffed.

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 2019-04-27
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account from XXXX XXXX XXXX XXXX # XXXX that's still on my credit report that I paid off in XX/XX/2017. I would like this account removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They've violated my FDCPA Rights by ruining my credit, defaming my character, fraudulently sharing my personal information, contacting my family members trying to get in touch with me, harassing me after advising them several times this isn't my debt, and going after the correct person who owes this money instead of wasting my time and resources having me back and forth in court as of XX/XX/XXXX, and again on XX/XX/XXXX. The amount they're trying to collect is {$2900.00}. Apparently, this loan was originated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr copper mortgage I paid on XX/XX/2021 as of today which is XX/XX/2021 they have taken 7 payments out of my checking account in the amount of XXXX $ each payment! My checking account is now negative XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These fraudulent account are reporting on my credit report. 

XXXX XXXX {$14000.00} XXXX CARD {$2600.00} XXXX XXXX {$420.00} XXXX  XXXX {$1000.00} XXXX CARD {$4400.00} THE BUREAUS

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 2020-02-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Internet full of complaints against Comenity Bank 's practice of incessant phone calls ( mostly robo but once in awhile a voice mail from a person urging my wife to call, but never saying why ). NEVER have gotten anything in mail. We're 100 % responsible paying off our Mastercard in full every month, which has nothing to do with Comenity. 

No idea why we get relentless calls and we are on the DO NOT CALL list. Internet advice from consumers is that this is a totally shady company and not to call because reps are awful and don't listen to request to stop calling. 

Comenity Bank should not be allowed to operate this way. Phone numbers we see : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: HUNTINGTON NATIONAL BANK, THE
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:
I received 2 letters from Huntington National Bank confirming that I opened a checking and savings account online on XX/XX/21. I did not open either account and they were both done under my maiden name. I called Huntington Bank to dispute the accounts and they said they will file a claim against them. I also asked if they run new accounts through the 3 credit bureaus because my credit is frozen, the rep said that they do but there would have been no way these accounts were open if that was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XXXX froze my XXXX debit card they have both givin me no reason why I am now homeless with XXXX XXXX XXXX no money no answer I have recorded 14 direct answers from edd and bank of America claims and its all to much im contacting a lawyer if my kids have to stay outside in the cold another day im going to loose it and this has been going on since XX/XX/XXXX I have even been hung up apon by both edd and bank of America several times they put me on hold and dropped my call I person hung up on me in mid sentence this is supposed to be for covid 19 cause cant work well now me and kids exposed to everything and everybody to be honest im thinking of XXXX XXXX and im  serious

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a high balance with Citibank. I secured a payoff check for XXXX through a real estate closing for the statement closing XX/XX/2019. The check was mailed on XXXX, XX/XX/2019 to the PO Box address provided to me through their app 's chat service ( XXXX XXXX XXXX XXXX, PA XXXX ). 

The check was received in their PO box by at least XXXX, XX/XX/2019. The check was then held and not posted until after they charged another month 's interest of XXXX. Although the attorney 's office confirmed that the check was cashed, the payoff is not showing on my account and my balance is now showing as XXXX. 

Citibank held the payment in order to charge additional interest.

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 2019-04-27
Company: Keystone Credit Collections Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX claims issued a debt to me in the amount of {$1000.00} for unpaid taxes and fees for XXXX for the XXXX XXXX XXXX XXXX and the Township of XXXX XXXX. I was not a resident in XXXX and thus, I do not qualify for taxation in XXXX. This is an invalid debt which they claim I owe. I moved to the area in mid XXXX. 

I believe they are attempting to collect more than they are due. There should be a penalty for these false positive attempts ( and unverified ) and they could trick many consumers.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am currently travelling overseas and Chase has locked online access to my bank accounts. I tried to call Chase to resolve the issue, but they refused to help me and said I need to come into a Chase branch to unlock the accounts. I can not come into a Chase branch, though, because I am out of the country and I will be overseas for at least two months. So I now have no access to my money while overseas and Chase refuses to help!

One representative at Chase said she would try to call me right back, but she did not call and when I tried to call Chase back, I received a recorded message saying they are closed for the day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT ED XXXX XXXX {$3700.00} DP EF EDUC XXXX {$2600.00}

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 2021-03-26
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank is repeatedly calling me every day multiple times a day ( about 5-6 times if not more ). They are also contacting family members and none family members ( according to this last obnoxious person ). They are primarily dialing from a 614 area code as well as arestricted number. Today I never identified myself I merely asked if I was being recorded then the collector stated that she left a message for ME with Ms XXXX and I was supposed to call Comenity back? I am not related to any XXXX. This Call occured XX/XX/20 about XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Okay so I fell behind on my car payments. I was in the hole from the beginning because it was to my understanding I will get a bill in the mail stating how much I owed and how to pay. I did not receive these letter until my car payment was already past due. I tried to catch up the best I could at the time when I made my first payment I owed a total of roughly XXXX dollars I paid  XXXX of it that day and another XXXX a few days later. To bring the total amount due down and months owed. I had just got my pay check so I called last night on XX/XX/2017 to see how much I owed total to bring my current total amount due back to 0. I owed XXXX dollars this morning I woke up to find my car had been repossessed. I called Santander ( my loan company ) to see if I could make my payment of the full amount dude to get my car back and they refused to reinstate my loan after repossession due to failure to maintain timely payments. When it was partially their fault I was behind on my payments in the first place seeing as they never sent me any bills via certified mail. I take responsibility on my part because I should have been more diligent in finding out how much I owe and when payments were due. But I have always paid my bills via certified mail. They refuse to help me in anyway they keep telling me its company policy to not reinstate my vehicle even if I pay the current amount due in total they say they only way they will surrender the car back to me is I pay the loan off in full. I never received a written letter ( notice ) via certified mail notifying me that my car was in default and due for repossession. I live in XXXX and XXXX XXXX XXXX states in order for the lean company to reposesss your vehicle they must send you a written letter 10 days prior to repossession with the current amount due to give you a chance to pay the amount and keep your car. The company admitted to not sending me this letter stating that va law does not require this and they can come get it when they want. All I want to do is pay my amount due current and continue on with making my payments on time but they do not want to help me do so. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been a product of identity theft since XXXX and XXXX. I did not open an account with XXXX Acct # XXXX, I've been trying to get this resolved since XXXX of XXXX. As a result, I've filled an identity theft report, Affidavit of Truth, and a police 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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is to dispute a credit hit regarding a late charge on my account. This account balance was paid off completely early last year. As my wife does our accounting and we had not charged anything to our account we were not aware that there was a yearly fee that went against this account in XXXX. The statements that were sent via email were sent to a generally spam email that I have and not an email that I regularly monitor. There was no attempt to make me aware of this past due payment via standard mail or via phone call which Barclay has available on my account. I only became aware of this past due statement when I saw when trying to refinance my home that I had 1 past due payment which we are always on top of as a family. This has severely negatively effected my credit score and I would ask based on the reasons above that it be removed from my credit history.

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 2020-12-17
Company: AMERISAVE MORTGAGE CORPORATION
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started working with Amerisave in XXXX, 2020 to refinance my current mortgage. I was quoted current rates and told the process should take approximately 2 months. the application fee was {$500.00}. We decided to move forward and the process was very disjointed and cumbersome. I received 3 or 4 disclosures and probably got 20 separate requests for information by text and email, all of which were answered within 48 hours. Each time, the points increased. It felt like a bait and switch. I was told on numerous occasions that we were about close. I had heard this so many times I decided to withdraw my application and start again with different lender. Based on their failure to close on a timely basis, poor process and lack of candor, I feel am owed a refund. The loan originator was XXXX XXXX. 

The information requests came by text, email, phone call, and their website. I would think Amerisave could provide a copy of all correspondence and recorded calls, if necessary.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A company that has an online game with " in-game purchases '' has been charging me for purchases I did not authorize on my Visa bank card through Bank of America. 

The company is XXXX located in XXXX. 

The game IS NOT a game that requires purchases to play because it is a " free to play '' game, there are NO SUBSCRIPTION costs. 

When I discovered that I was being charged ever since XX/XX/XXXX I contacted Bank of America, who initially removed {$790.00} in charges on XX/XX/XXXX. 

I filed a fraud dispute at that time. 

Bank of America responded to me by refusing to honor my request to have fraudulent charges removed. The refusal letter stated that XXXX charged " recurring subscription charges ''. This is a false statement, there are no recurring monthly charges associated with this game. 

Since then, Bank of America has added an additional {$5300.00} in charges associated with this company as well as reinstated {$790.00} on XX/XX/XXXX. 

XXXX has retracted more than {$1000.00} in-game credits, credits I neither authorized nor requested, even though Bank of America has reinstated the charges from XXXX. 

There is clearly a fraud being perpetrated here and Bank of America seems to be standing behind the billing company. 

I resubmitted my fraud dispute and again, Bank of America refused to remove the fraudulent charges from my account. 

My only crime was not checking more thoroughly my individual monthly transactions before paying my bill. I made monthly only payments as part of a scheduled budget.

Company response to consumer: Closed with explanation