BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried contacting the collection agency to get deeper information as I am allowed bi law all they send is two sheets of paper one with my name and one saying I owe this money.. I told them I was in XXXX  and since I was not notified aware I owed any one and if they can just provide me with more proof then just to sheets of paper .. they are way past both statue of limitation and they are illegally billing me for a debt thats not mine please be kind enough to further investigate this my next step is to file a lawsuit its causing me a lot of issues with obtaining a car.. as far as the proof they have not showed me a contract a purchase nothing that I can take as my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted all three credit agencies due to identity theft and fraudulent information on my account. XXXX and XXXX replied immediately and correct the false information. Experian, however, has done everything that they can to harass and prolong this process for me. I sent them a certified mail request that contained everything including my social security, birth certificate, utility bill and drivers license. They responded claming the issues were resolved, however, upon pulling my credit report, the issues were STILL there. After calling them, their support representative outright refused to remove the incorrect names on my profile. 

As of today, XX/XX/22 I pulled the report and it sais that XXXX of my names is " XXXX XXXX '', this is incorrect. This is not my name and should be removed. I have an uncle who goes by this name and it is not me. 

My birthname, as shown on my social security card, is XXXX XXXX XXXX. 

I would like the false and incorrect name of " XXXX XXXX '' removed from my file. This is not my name as you can see in my legal documents.

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 2022-07-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have workers compensation and was injured on the job. 
The staff took information and I did not take down the info as WC. 
I forwarded the 2 bills to the risk managment department as instructed but they still appear as my personal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: ARVEST BANK GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm current with my mortgage and have no late payments. 

XX/XX/22 Received pay off quote from Arvest Central Mortgage Company for {$9400.00} Using same electronic payment method as always I submitted payment for the full amount. 
XX/XX/22 Electronic payment " In Processing '' date. XXXX contact me by phone to say that the payment method is now unacceptable. I'm informed that they are going to " kick '' the electronic transfer back. If I want to make the payment I am required to use a wire transfer or certified bank check. 
XX/XX/22 Instead of the payment being " kicked '' by XXXX, it is accepted. I contacted XXXX with my XXXX  XXXX XXXX customer service rep on the phone. XXXX customer service rep says they're very sorry and the money should be in my account today. They already kicked the transfer and it must be a problem on XXXX  XXXX XXXXXXXX XXXX end. They don't know what's wrong. The worst case scenario is that it will be back on my account on Monday. 
XX/XX/22 Contacted XXXX  and inform them that I still didn't have the money in my account and that they never actually kicked the electronic transfer. They accepted the payment but refuse to credit my account. I'm assured by their customer service representative that the full amount will be in my bank account by the end of business. 
XX/XX/22 My bank account shows the payment to XXXX as closed. I am still out my full pay off amount for the mortgage, but my account with XXXX has not been credited. 

Conclusion : 1. I'm current with my mortgage and have no late or missed payments. 
2. I paid the full pay off amount of my mortgage. 
3. The payment was accepted by XXXX. 
4. XXXX is refusing to credit my account, while saying they're going to refund me but have not. 

Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be ignoring me like other people I talked with and it's been over a month now. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: LoanCare, LLC
State: SC
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 Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

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 2022-07-31
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters to dispute the issue on my credit report and credit bureaus did not remove inaccurate information even when I sent in evidence.

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 2022-08-23
Company: MORGAN STANLEY & CO. LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Some times this financial institution encounters balance errors unknown to me of how they occur. Generally my brokerage account will show a a balance with more money than what is in the account??? When I call them to question how it happened they simply say they don't know why it happens. A day or two later the brokerage account suddenly has a negative balance. My checking account is with the same financial institution and has been frozen and I am not able to withdraw funds because the brokerage account with this institution has a negative balance. How this occurred is unknown? I now need access to my direct deposit and cash in the checking account. My card is being declined and I can not pay my financial obligations. A direct deposit is attached to the brokerage and would have cleared this up if they had simply looked at the history of the past year or more. Freezing someone's account is a serious problem. The history of direct deposits should have provided a clear solution that the brokerage account would have been brought back to a positive balance. My part would have been resolved by the direct deposit. What about their ongoing problem with not showing the correct balance. This would not have happened if their system was reliable to show the correct balance 100 % of the time. How quickly a bank will punish someone for the mistake made by the bank and not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: U.S. BANCORP
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applicated for a Home Equity Line of Credit. I provided all documents and met the Credit score needed to be accepted. I was done provided a deny letter because unable to verify identity. Which is completely absorbed. I feel this is a discrimination because I am a XXXX male to be denied.

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 2022-09-27
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im logging in to my credit monitoring an revealed I collection that I dont have no acknowledgment of an never had or open in my entire life

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: CITIBANK, N.A.
State: WI
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 have a promotional offer with a credit card, it is my understanding that all credit cards have this policy/rule/guideline. I have a balance transfer offer that I took advantage of, paid the transaction fee, and tried to pay prudently. 

XXXX XXXX at 0.99 % ; rate expires XX/XX/XXXX ; Balance around XXXX XXXX XXXX at 0.00 % ; rate expires XX/XX/XXXX ; Balance around XXXX I made a monthly payment around {$350.00}. So for the past XXXX - 12 months I have made an effort to pay off the XXXX XXXX so that I could have a XXXX balance come its expiration date. On XX/XX/XXXX, the rate increased to 19.49 %. 

However, it has been impossible for me to pay toward XXXX XXXX. Once my XXXX XXXX started ( likely XXXX XXXX ), the entire payment has gone to Balance Transfer # XXXX. I don't want it to go to # XXXX, I want it to go toward # XXXX. I CAN NOT DESIGNATE WHERE MY MONEY GOES. 

I have called twice over past 6 months to designate my payment to XXXX XXXX, but they can not put the payment toward that offer because there is a law? that requires the payment to go toward the balance with a higher interest rate. I asked the company ( Citibank ) to move the money due from # XXXX to # XXXX, but no, not without paying the transaction fee again. 

Clearly this Law? went into place to protect consumers, but they missed this caveat. So, as of XX/XX/XXXX - I have a XXXX balance on XXXX # XXXX, but my offer has 4 months remaining. I have my XXXX XXXX balance on XXXX # XXXX, now at an interest rate of 19 %.

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 2022-12-08
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX office MBA Law for XXXX placed a collection on my report with no validation. I have never heard of this company or received anything from them, and has never signed my signature or had any contracts or agreements with them. They made my credit score drop. I just happened to see it in my XXXX XXXX app. They are stating the status as open and a collection which if false. Under the XXXX XXXX, I never gave this company any consent to gain access to any medical records. This item is showing reported as of XX/XX/2022. I called the creditor they displayed as XXXX XXXX and was told they have nothing in their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was plased on a 10 day hold because somone claimed the money they sent me via XXXX  on XX/XX/XXXX was fraud so now the rest of my fund have been on hold for more then 10 days and no resolution on what would be done i have all the proof he sent it but that's not the case i have the rest of my funds on hold XXXX and no answer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I received a notification through the Wells Fargo app that I had insufficient funds. This instantly made me check my account and sure enough I had no funds in my account anymore. I saw that there had been two transactions made for {$110.00} and {$120.00} at a XXXX. I called immediately to submit a claim to Wells Fargo and called the number on my card at about XXXX that same day. I let them know that I was not the one who had made those transactions and when I was asked if I had my card physically on me I assured them that I did. They also told me that the transactions were made in the city of XXXX XXXX where I do not live nor was I near by the time of the transaction. I was in XXXX, California calling from inside a XXXX XXXX to Wells Fargo trying to get this resolved as soon as possible and avoid any other fraud to happen to the other accounts that are linked to mine. Later in the week I would call again to get an update on my claim and was told that my case had been closed and that Wells Fargo had denied my claim. There reason for denying me my money was that the transactions made at the XXXX were done using a cards chip. Again I told them that I was not the one who had made the transactions and was told that they could no longer do nothing else. I wonder if they really investigated the claim as they should have considering that I am a customer and they are providing me with a service of keeping my money secure. Both the cameras of the XXXX and the XXXX XXXX should be reviewed to prove that I was not at the XXXX and I did not insert my card to make those transactions. Im convinced that the person or people in charge of my case did not do their job to there full ability as they are required to do and instead insinuated that I lied about the claim by telling me that every chip is unique and can not be replicated.

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 2022-07-31
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters to dispute the issue on my credit report and credit bureaus did not remove inaccurate information even when I sent in evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Called my XXXX to advise her that papers were being served for me, XXXX XXXX, and to provide her the phone number and the reference number to give the company a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX continues to report NELNET has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and NELNET know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and NELTNET regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. NELNET has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to Federal Student Loan account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from mXXXX XXXX XXXX due to the cap of XXXX put on Federal school loans by the Republican Congress in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and NELNET refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as Conduit. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my Federal Student Loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: BANK OF THE WEST
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of the West is charging me overdraft fees on the XXXX for purchases that cleared on the XXXX. Also edited the order of some other charges to maximize overdraft fees but apparently thats legal. XXXX the consumer over however you can. Thats capitalism. Should have let the banks fail. Smh. Anyhow, thats my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX is making payments to our account as a third party. They send the morgage check out on XX/XX/XXXX and it is still not applied to my account. Caliber Loans is not applying the funds when they are recieved which is making me recieve late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: CMG MORTGAGE, INC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Upon starting my home buying process, I was told by the mortgage lender that I qualified for down payment assistance thru FHA, I was very happy to know this as I did not have funds for a down payment. Through the whole process of applying, signing docs and talking to my lender it was never disclosed to me that The Down Payment Assistance Program is a LOAN!!! Even at my closing when the title company was going over the closing docs she even quoted my monthly mortgage amount still no mention another loan not until I had moved into my home when one day in the mail a bill comes from a mortgage company i never heard of with a monthly bill amount, I was totally caught off guard, baffled, and confused, I immediately contacted the mortgage lender XXXX whom I obtained my mortgage he explained that yes this is my second mortgage. I just dont believe this is fair treatment to us as consumers to be treated like this, I had my payment of what I would be paying already planned out, I believe I should have known clearly that the down payment assistance is a LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon being denied from a lender for " too many inquires '' from Transunion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my   XXXX   credit report that I DID NOT authorize and had no knowledge of. I contacted  XXXX  immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.   1.   XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  2.   XXXX     XXXX / XXXX / XXXX  3.  XXXX   XXXX / XXXX / XXXX  4.  XXXX   XXXX   XXXX / XXXX / XXXX   5.   XXXX   XXXX / XXXX / XXXX   6.   XXXX   XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.

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 2022-12-08
Company: ID Analytics, Inc.
State: RI
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:
REQUESTING REMOVAL OF ALL INACCURATE INFORMATION LISTED IN MY CREDIT REPORT BY THE CREDIT REPORTING AGENCIES, WHICH ARE A VIOLATION OF THE PRIVACY AND IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Cash App has withheld {$600.00} in refunds to me since mid-XXXX, when they said money would be received. When I try to determine where that money now is, they obfuscate at every corner and give me no details as to where they are in the resolution process. Ive been disconnected several times, Ive been ignored, and in no way have they sought to resolve the issue or provide me with any detail.

Company response to consumer: Closed with explanation