BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: North Georgia Regional Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a solicitation in regards to a suit filed against me and they could help me. I contacted the original debtor and said turned over to collection agency to contact them ( never received any bill. Thought insurance paid ). I contacted the collection agency, spoke with XXXX, she mailed me a bill statement. Said it had been turned over to magistrate court, I have not been served. I paid {$100.00} on their online pay portal on friday, XX/XX/2020. XXXX called me confirming my payment n stated I need to come in the office to go ahead and sign a consent judgment. I told her I work out of town and was unable to do so. I decided today to pay the debt in full ( including the court cost even though I STILL HAVE NOT BEEN SERVED ). I paid, got a confirmation number via their pay portal. I receive another call ( on my job ) stating I have to come into office to sign a consent. They start allowing ppl in the office on Thursday of this week. I proceed to tell her I paid in full to keep from doing that because of my working an hour out of town and she kept on and on and finally told me she would not accept my paid in full payment without the signing of the consent. What would I be consenting to pay if I paid in full? That makes no sense to me. I have where I paid in full on the portal with the confirmation number. If she couldnt accept payment in full today without my signing the consent, why did she accept the {$100.00} payment I paid on Friday?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
At the beginning of the recession in XXXX, I was struggled to make my mortgage payment like everybody in this country. 
I called Wells Fargo and the Representative told me that nothing they can do if my mortgage payments were up to date. 
They could work doing a loan modification if my mortgage was in default. 
That is what I did. 
I stopped paying the mortgage for 3 months then my nightmare started. 
For multiple years I tried to work with Well Fargo to get a loan modification. 
My property was underwater the same as almost all the properties in this country. 
I tried at least 11 times the loan modification with proof and capacity to be approved.

One of the times I had been approved for a loan modification and exactly 3 days later they backed up and disapproved.

Also, I have been approved for a forbearance.

After I made the 3 months payment they want I kind of contribution that I was unable to compromise but no explanation for why I had to make that kind of contribution.

After some investigation on my loan, we discovered some inconstancies that I fight in NJ Courts but at the end of the day, my property had been foreclosure.

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 2020-06-24
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transfer {$500.00} with Remitly on XX/XX/20, was advise my money will be in XXXX the next day. The money was never deposit and I was given the run around for over a week. Then I was told i was able to cancel the transfer, which I did on XX/XX/20, and was advised the money will be deposit to my XXXX  XXXX XXXX in two days. Today is XX/XX/20, and still don't have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/19 XXXX EST I received this text after placing my Wells Fargo Debit card in a malfunctioning Card Reader at a Fuel Pump at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX GA. 

The text was from XXXX ( XXXX ) XXXX and reads as follows : 1 of 2 FRM : Notices SUBJ : XXXX XXXX, Your curent accounts are on_HOLD, reactivate your accounts ( Co n't ) 2 of 2 at, imediatly go to : XXXX XXXX XXXX Regards XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX XXXXXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXXXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX XXXXXXXX U S DEPT OF ED/XXXX/XXXX XXXX XXXX   XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX  XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF ED/XXXX/XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX XXXX U S DEPT OF ED/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 DEPT OF ED/XXXX   XXXX XXXX DEPT OF ED/XXXX XXXX XXXX  DPT ED/XXXX XXXX XXXX DPT ED/XXXX  XXXX DPT ED/XXXX XXXX XXXX  DPT ED/XXXX  XXXXXXXX XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX DPT ED/XXXX  XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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: Investigation took more than 30 days

Complaint:
i have file disputed letters on XX/XX/2020 to all three credit bureau and still have not received a reply from them.

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 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is in violation of 15 USC 1692c ( c ) 2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to save my house for over a year now and I have had 2 foreclosure sale dates that I have had to stop them. There is a 3 third  time now and they still have a sale date scheduled in less than a week. I have a complete loan modification packet and my current loan modification packet has been complete for over 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I owe a debt from an apartment community after moving from XXXX  to XXXX  and having to cut my lease early. I left XXXX   in XX/XX/2016 and immediately began getting numerous phones calls from this collection agency called ProCollect. I have called asking for a notification of my debt so I can have an account number and pay by making payments, however, this company employees people who are extremely rude, use offensive language, have threatened me if I don't pay the full amount upfront, and don't give me any information yet expect me to give them my credit card and social security number over the phone. I suspect this company practices as a scam or at least dishonestly with their customers. I don't feel safe giving over my financial information to a company who doesn't honor their customers rights. I don't appreciate being yelled at as well as hung up on anytime I try to work something out with these people.

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 2017-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i have been unable to open checking and savings accounts because bank of america in misouri reportedly has some accounts for me that they have listed as fraud. i have never had any account with bank of america and need this removed from my credit. i have been a victim of identity theft and have had several things removed from my credit account, including cell phones and service, bank cards, credit cards, and also shopping accounts. i have never had an account or authorized an account with bank of america ever please update your records i have tried to call several times and only get transfered from department to department becaue i dont know the account numbers because i never opened them

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 2021-09-12
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:
XXXX XXXX XXXX is in violation of 15 USC 1692c ( c ) 2

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 2021-09-12
Company: EQUIFAX, 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:
XXXX XXXX XXXX is in violation of 15 USC 1692c ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was an XXXX with Bank of America from XX/XX/XXXX to XX/XX/XXXX. While I was XXXX I opened an XXXX bank account which included a free safe deposit box. Shortly after I left the firm I closed my accounts which included the safe deposit box. I never put anything in the box or used it. I didn't receive any follow up correspondence from the bank alerting me of any issues. Around XX/XX/XXXX, 8 years later I opened a business account jointly with 2 partners. Shortly thereafter and for the last 2 years I have been receiving invoices for payment of this safe deposit box. I have called at least 3 different numbers to try and resolve this. The representatives have been unable to assist in any way and keep passing me around. I wrote a letter directly to the branch a few months ago and have received no response. Just another invoice adding late fees. They have completely disregarded my fairly simple explanation and have provided no reason why I suddenly starting receiving invoices.

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 2019-04-24
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Fed loan servicing is the company that is handling my student loans. Back in XX/XX/XXXX, I was told I would need to change the way the income based program that they were on, secondary to having parent loans that also needed to be on an alternative program. I was told that my new payment was miscalculated by Fed Loan, secondary to not including that I was married filing jointly, and that it would be adjusted. Due to this error on their part, I was also told that I would be put on an administrative foreberrance until this issue was resolved. A month later, I was told the bill was late. I was then told that Fed Loan doesnt refinance the payment, that I would have to go onto studenloans.gov to do this, and in the meantime, my loans would be on an administrative foreberrance, as again, I was given misinformation. I did go on student loans.gov per their request, and paid a XXXX fee that they also requested I pay. Another month, and there was another late payment. I called again, and this time got a manager. I was told that this happens, and he would fix it. A couple of weeks later, I received another late payment notice. I called again, and was told that the foreberrance was only for a 2 week period in XX/XX/XXXX, and I would have to use my own foreberrance allotment in order to wait for the new payment adjustment to happen. After speaking to several reps in a short period of time, I am dissatisfied with their customer service. Each rep told me something completely different, and the last one refused to honor the offer that Fed Loan had made themselves of the administrative foreberrance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Step 1 : What is this complaint about? This complaint is about the customer service ( or lack thereof ) you I have been receiving from Coinbase during the last three weeks. I have been having two major problems with my account, yet have received no real help or assistance from Coinbase. Step 2 : What type of problem are you having? Problem 1 : As a Coinbase client you are able to purchase Bitcoins with having to pay a fee, if you first transfer your funds to XXXX  ( which belongs to Coinbase ). Therefore, I tried to open a XXXX account on XX/XX/XXXX and it did not work. I contacted customer support, informed them of my problem and since XX/XX/XXXX I have not heard back from them. Problem 2 : Given that this took so long, I decided to purchase Bitcoin through Coinbase directly, even though this meant paying a 1,5 % fee both when you buy and sell your position. So I tried to log into my Coinbase account and this did not work, either. To be more specific : The XXXX XXXX authorization did not work. I checked Coinbase 's instructions, followed them and it still did not work. I then contacted them again on XX/XX/XXXX and gave them a call a day later, in which I was hung up on only to then be told via email that this issue was being dealt with. Since then I did not hear from them. I still want to get in the market - after all my account holds my funds - and I would like to see this problem solved rather soon. Step 3 : What happened? See Step 2. Step 4 : What company is this complaint about? XXXX XXXX XXXX. Step 5 : Who are the people involved? I only have my customer service cases, which are # XXXX ( for problem # 1 )  and # XXXX ( for problem # 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The Company Did Not Resolved the Matter Plus i Mail a Letter To Capital One Requesting them to Add the Information about this closed account Back the the Credit Report and Capital One Denied to Fix This Matter and This Account is Not Being Reported to XXXX  and i contacted XXXX  and they told me to contact Capital One To Fix the Problem with the Closed account not Showing on My Credit Report. 

The Company Did Not Resolved the Matter and Denied the Request and also the Account is not Being Reported to XXXX  i Contact The Credit Report Agency and they adviced me to contact Capital One and Notified them that there is No Closed Account Being Reported to the Credit Report Agency Dear For i Will Not Continue Make Payment Until this Account is being reported to XXXX  The Company Did Not Fix The Problem with My Credit Report with XXXX  and this account is still missing from my XXXX Credit Report and Capital one did not Resolved any inquires about this complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today at XXXX EST I received a call at XXXX ( which I am assuming was an auto dialer ), that I unfortunately missed. I returned the call to get answered by a woman who I could not understand because she spoke so fast. I asked her to stated where she was calling from she played games with me by saying " I didn't call you, you called me ''. She refused to identify where the call originated from. She then began to laugh and hung up on me. It was incredibly disrespectful and unprofessional. 

I called back. It was another female. Same thing, refused to identify where she was associated with and hung up on me. This happened a few times. Then a man answered the phone and claimed to be a supervisor. He was just an unprofessional as the others. Speaking over me, laughing and cutting me off. However, what he did was disclose information about my husband without verifying any of his or mine information. He started spewing off details such and his employer and personal information. To my knowledge this is a violation of privacy and FDCPA. 

I called back again and spoke to a gentleman and yet again was not given information about the call. Instead our home address was provided to us as well as a former employer. My wife advised of the FDCPA and that I worked for a XXXX XXXX. The mans response was a laugh and then followed with Your husband is a XXXX   ... He works for XXXX XXXX After this my wife called me to inform me of the calls when we made a 3 way call. I identified myself as requested as Mr XXXX ... we began to discuss our experience when we were told we were harassing the company and were hung up on. 

Upon several times calling back we were picked up and then immediately hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Lockhart, Morris & Montgomery Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Lockhart, Morris and Montgomery Inc claims that I have a medical debt based in Tennessee opened on XX/XX/XXXX. I have informed this company that this debt is not mine, after it placed this debt on my credit file/record at the credit bureaus. I have not had any communication or business dealing with any company in Tennessee, nor have I lived there, but this company has disregarded my informing it that this is not a debt that belongs to me. This debt is a result of identity theft and this company is promoting fraud. I have informed this company to removed this reported amount of {$780.00} from my credit file/report from the credit bureaus but it would not, nor would they take my complaint seriously. I have been monitoring my credit file/reports daily, and all of a sudden this debt appeared without my knowledge or understanding, as I have never heard of, or been to, a company called XXXX XXXX XXXX Tennessee. Furthermore, this company has called me in regards to collecting this debt, and I have told numerous agents of this company that this debt is mine. On one particular instance, after asking for a supervisor, it appeared as though it was the same agent trying to disguise his voice stating he can have this debt removed if I agree to cooperate by paying a fraction of what is " owed. '' Additionally, this company refuses to tell me what account number is affiliated with this debt, so I can dispute it. This makes me believe even more that this is fraud, and this company is trying to extort money from me by any means without consideration or investigating that this debt does not belong to me. Upon further research, I figured that this same company tried to use this same debt on my credit file/report at the credit bureaus under a different company name in XXXX. After they removed it, the company has placed the debt again in XXXX, in further attempts, to use a fraudulent debt to extort money from me. In XXXX, this company stated that it was a different company I owed for the same {$780.00}, also another company that I had never heard of or had any dealings with.

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