BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-25
Company: Continental Central Credit, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received the first attached collection notice dated XX/XX/XXXX around XX/XX/XXXX. Attached is the envelope it came in. I immediately called and was very adamant with " XXXX XXXX '' that this debt was in no way mine. I should have read your information about sending a written request for Validation. I did n't. I did know that she had 5 days to get it to me. No contact from collection agency until today, XX/XX/XXXX. I 've attached said Validation letter and envelope. This one is signed by a " XXXX XXXX ''. I have n't contacted them. I checked out this debt with XXXX whom I had cancelled at the end of XX/XX/XXXX. They, of course, had nothing to do with XXXX XXXX. I then contacted my current insurance provider, XXXX of New Mexico. XXXX had sent them this bill for {$310.00}. It was disallowed. The reference # for this is XXXX. I contacted XXXX XXXX. They have no record of this service. I contacted XXXX XXXX. XXXX was connected with them, but has not been working there for at least 3-4 years. I asked where he was and they had no idea.Since XXXX claimed this bill was for service through New Mexico XXXX, I contacted them and was informed I had a XXXX balance. I have attached a copy of said record of my billing since I began with XXXX XXXX in XX/XX/XXXX. By the way, on XX/XX/XXXX, I had a XXXX which was done at the XXXX XXXX. There was no XXXX XXXX ever at the New Mexico XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX made a hard inquiry on my credit report without my knowledge and authorization. I was told that it would be removed several times. To-date it has not. The company also owes me XXXX for a frivolous deposit of XXXX was assessed to me after service was activated. I was told several time I would receive a check as a courtest credit of XXXX, from XXXX XXXX agent XXXX pursuant to out telephone conversation on XXXX/XXXX/15. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company I am complaining about is Credence Resource Management. This company has repeatedly called from a bunch of different XXXX numbers and only identified by the staff name and not the company name. I always ask what company they are from and they are reluctant to tell me. When they do, they are not understanding of my situation. They sent me a letter in the mail saying I could have my debt forgiven if I fill out the hardship form. I sent it and now they are still calling Me a month later and harassing me for the money and talking about how it will affect my credit report negatively. They were not willing to work with me on the offer and were not understanding that I really needed that forgiveness since I have been furloughed due to the virus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: DISCOVER BANK
State: NC
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: Overcharged for something you did purchase with the card

Complaint:
Back in XXXX I rented a car from XXXX XXXX XXXX XXXX my total was XXXX with a deposit hold of XXXX as seen in the attached receipt. I returned the car as stated in the contract. However, the rental car company is trying to overcharge me XXXX and XXXX dollars in two separate transactions. When I called the rental car company they advised me to call my credit card company which is XXXX. I filled a dispute with them and they refuse to assist in getting the money from the merchant. I just want to be charged the stated amount in the receipt which is all I should owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Refuse to work with me on payments. School had closed and they still had me repay. Original lenders sold to them. And their interest rates are way higher and keep going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My bank allowed charges to go through on a fraudulent charge. On XXXX/XXXX/16 I saw an offer for free trail of XXXX and to pay XXXX for shipping and the end of my transaction it was an offer for another XXXX for the same offer to try as a combo pay only shipping, I made sure no additional payments were required finished my transaction, I checked my account and notice strange charges and called the bank, they said it was international charges. The combo XXXX came a couple of weeks later. On XXXX/XXXX/16 XXXX was charged to my card I checked my email for any invoices or confirmation of purchase everytime i shop on line it is how I keep track of my online spending I did not get anything. I called the bank and I put a stop on the purchased and reported fraud. They reversed the charges and i told them to block the vendor I did n't buy anything for XXXX charged was returned XXXX. on XXXX/XXXX/16 XXXX charged my charged my card again causing an overdraft, I called the bank and i asked how did the charge go through and they could n't explain how it happen they read the notes from the weeks before, so on XXXX reversed the charges again. i still had n't gotten anything in the mail the bank could n't locate a phone number so i could call. XXXX got the XXXX and it had a letter telling me I was defrauding them for not paying. i finally got a number and I called and i told them they were the fraudulent ones, and i wanted to send them back. He told me they did n't take medicine back but they would refund my money, i told him that i told the bank they were fraud, XXXX was his name wanted me to take the fraud investigation off, he gave me a confirmation. I called the bank after i talked to XXXX. I gave her the information she said she took down what i said and confirmation number. on XXXX the bank took XXXX out of my account and then again on XXXX another XXXX stated their investigation show no error the purchase was valid. the paper work from their investigation from their website do n't match the charges from my account. I didn/t keep the pills nor did i keep the papers that came with them. The bank would claim to take notes and more times than one they had no record of my many calls

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 2020-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, a fraudulent purchase was made by someone who hacked into my XXXX account. On XX/XX/XXXX, I noticed that {$1200.00} was missing from my account and found the transaction in the pending section of my online account information. I immediately contacted Bank of America to let them know that I did not make this purchase. The representative told me that they would open a claim and investigate the transaction. The representative stated that the money would likely be returned to my account in 5-7 days, but that an investigation could take up to 45 days. While I waited for a response from Bank of America, I noticed that the pending charge was moved from pending to Authorized, even though I had already contacted Bank of America to let them know I did not make the purchase. I received a notification via email that I had a message from Bank of America in my XXXX XXXX on XXXX. The message stated that my claim was denied and only gave the following information : Our records show the transaction activity in question was authorized and posted correctly to your account. 

I was in the hospital giving birth on XXXX, but once I was released on XXXX, I contacted Bank of America to see why the fraud claim was denied. The representative stated that the claim was denied because I " had an extensive history purchasing with XXXX ''. 

XXXX is the biggest company in the world. Of course I have ordered from them in the past. I do not have a history of making $ XXXX purchases from XXXX XXXX I have been a Bank of America customer for over 10 years and I do not have a history of making fraud claims. I feel that, in this case Bank of America, did the bare minimum of investigation into this claim. XXXX sent me an email on XXXX letting me know that my account had been hacked and that this purchase appears to fraud. Bank of America obviously did not contact XXXX to investigate this claim. The email from XXXX was faxed to Bank of America on XXXX and I am currently waiting for my claim to be re-reviewed. I feel disappointed that my bank, who I have been a customer of for over 10 years, would allow someone to take $ XXXX dollars from my account and then deny a fraud claim without any substantial investigation. The timing of this is awful. I have a hospital bill that I was planning to use this money to help pay for, I will be on maternity leave and not receiving my typical income, not to mention the pandemic.

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 2017-01-05
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First thing first they have a account on my credit report twice for the same amount and then telling me that it is valid without validating the debt. The company has been permanently closed and no longer in business and they are trying to collect a bogus debt. Rent Recovery for the amount of XXXX is listed on my XXXX account twice and they are telling me that it is legal. I contacted an attorney yesterday and if it is not corrected and fixed I am going to sue to the fullest extent of the law. I will not stop until it is corrected and fixed. I will be contacting the attorney general and the federal trade commission this has caused me so much stress and they fail to address it or correct it. How is reporting something twice for the same amount legal when I do no owe anything. I want it investigated and deleted this is not the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Paypal Holdings, Inc
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I upgraded my personal account to a business account and had a few clients send me payment through PayPal. On XX/XX/XXXX I received a email saying my PayPal account is limited and I cant have access to my funds for 180 days. Well I filed a previous dispute on Here in XX/XX/XXXX in regards to my account being locked. PayPal responds was I violated my terms of agreement because they dont offer credit repair services and thats what my business consists of. However when they offer to upgrade me to a business account they was aware of my business Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That kind of tells you the type of company I am just from the name. No where In the email invite to upgrade my account states they dont deal with credit repair companies. PayPal also stated they will not lift my account limitations before 180 days. Only after! I called a few times after just to make sure I will receive my funds after that 180 day time frame. Every XXXX stated Yes. Also was informed that I would be receiving a email on or around XX/XX/XXXX on how I would like to receive the remaining balance in my account. Well I never received a email so I happened to log on my account and see on XX/XX/XXXX my entire balance was transferred to PayPal and it states for Damages. Called PayPal and they cant tell me what type of damages PayPal received due to me accepting 3 payments from clients before my account was locked. I had no dispute, no charge backs, no nothing!! This is Illegal!!! They do not support small businesses!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have sent written notification to  XXXX   XXXX   XXXX  requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX 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 2020-08-07
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding our Target credit card we paid the balance in full on XX/XX/2019 normally this is done through our bill payer account but due to a soft safe update we had to use our debit card issued by our bank to make the payment. Did to the change in payment it got to XXXX late Friday night after business hours after they were closed. Technically our payment would not be late till XX/XX/XXXX but since that was a Sunday they claim they did not receive it until Monday the XXXX making it late. 

Normally they would have received this payment well before the XXXX well before the cut off date of our bank wasn't going through a software upgrade. After explaining this we initially offered to pay the {$28.00} dollar charge to have it go away. 

The XXXX said if we would get a letter from our bank they were sure they would reverse the late charge. Reviewing the left not only did they decline our request XXXX just keep adding interest and late charges to the original late charge balance to where the XXXX credit balance is {$340.00}. All from a XXXX dollar late charge. 

The account was closed and that is when Target got real nasty in resolving this issue. 

You can go to XXXX and get the multiple phone conversation to back up our allegations as all phone conversation are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SANTANDER BANCORP
State: PR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/2015 I start a Loss Mitigation process with Banco Santander in Puerto Rico. 
This process Get complicated because of a Health condition that happen To me and after that My divorce. 
I keep contacting and providing a complete package For Loss Mitigation throught a representative while I was sick and thereafter contacting The Bank. 
This week a person from The court leave a Foreclousure note with My neighbors violating My privacy rights, and they, My neighbors turned that To me when I Came back Home How is that possible, that I asked For Help and now what THEY did was " spread My confidential information without giving me an opportunity and in violation of The fue process Please I need Inmediate Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I I froze my account because I thought someone was trying to hack the account. I have provided verification of my identity by scanning my license and my face but I have not been allowed to access account. No one ever answers my calls. They ask you to go to on line support but nothing is done to contact me. It sure looks like I am being scammed out of my money. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The billing information the company had was incorrect. Theyre falsely reporting late on my credit report. I have tried repeatedly to resolve this with them and they are in non compliance with the federal trade commission. They are brushing me off saying I am sending frivolous letters. Theyve charged me late fees and finance charges and continue to damage my credit.

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 2023-03-15
Company: Unifin Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a test from Unifin, a debt collection agency about opening an account. I have never opened a Unifin account, and I don't know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over the past several years, Wells Fargo Home mortgage has been difficult to deal with when it comes to my Mortgage Loan. 
I did address my situation with Wells Fargo Management. I made it clear that am the Single owner after my XXXX died. Since then Wells Fargo lowered the interest rate to 3.350 % per annum. 
In light of Covid-19, effective XX/XX/2020, Wells Fargo has raised the interest rate to 3.875 %. Subsequently, I contacted Wells Fargo by phone and e-mail. When I inquire about with new rate, the Customer Service agents only response is I am Sorry. This response is a false apology by Trained Agents. I followed my my complaint by e-mail and later Wells Fargo did block me from contacting them by e-mail. 
Before the rate increase, my monthly payment was {$1600.00} and effective XX/XX/2020, the new payment is {$1700.00}. I also had to pay a large amount to pre-pay to my Escrow Account to lower my new monthly payment. 
Since then, Wells Fargo has been suggested to me with two options.

1. Option 1. Forbearance. I will not accept this option. This tactic is done by Wells Fargo to put more Burden and pressure me to Accept this option. This method is good for Wells Fargo to eventually put me to Foreclosure Status. 
2. Option, 2.. Refinance : I will not accept this option at all. I am not going through refinance process. I do not have funds to pay for closing costs and I hat e to put myself to Hard Inquiry credit process. 
I will Accept the old 3.75 % and I request Wells Fargo Restore the old rate ASAP and refund me for the payment I made for the month of XX/XX/2020. 
I am XXXX years old and an XXXX American I is the Pattern of Wells Fargo not to help Minorities with Lower Interest rate. 
Wells Fargo wants to Drain me for longest period by Using Forbearance & Refinance Options. This Racial Tactic is designed to Minorities. It is to discourage us Minorities not to Won the American Dream. 
A copy of the Complaint is being Filed with the State of XXXX   Office of The Attorney General, Consumer Protection Division. 
3.

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 2020-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The billing information the company had was incorrect. Theyre falsely reporting late on my credit report. I have tried repeatedly to resolve this with them and they are in non compliance with the federal trade commission. They are brushing me off saying I am sending frivolous letters. Theyve charged me late fees and finance charges and continue to damage my credit.

Company response to consumer: Closed with explanation