BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: Google Compare Credit Cards Inc.
State: NY
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I have purchased Google Playstore Gift cards worth {$2000.00} from XXXX XXXX in XXXX XXXX with an intention of buying Google Devices from the Playstore website. 
I called the Google Playstore Customer service and they informed us that I can not use Google Playstore credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. 

So, right after we gave the gift card information, they have limited my access to our account " XXXXXXXXXXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the Playstore customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. 

Since XXXX XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google Playstore, Google Wallet and Google Commerce requesting for reinstating my account so that the Google Playstore could refund my money. 


For over 15 months until XXXX XXXX, all I was being told is my Google Wallet account has been closed and Google Playstore being linked internally to Google Wallet, I can not use my Google Playstore funds. I do n't really care for the Google wallet and all I requested was to refund my money. 

I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XXXX/XXXX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. 

Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. 

I would appreciate all your help in this regard. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was Bank of America, and that I owed from a credit card back in XXXX. I have never had a Bank of America card!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Bank of America has been in the process of foreclosing on my home for 7 years and the previous bank foreclosed on the property XX/XX/XXXX. Bank of America has acknowledged the prior lenders foreclosure as of XX/XX/XXXX. Bank of America has removed the mortgage trade line that has showed lates on my credit for 7 years, however the title to the property is still showing in my name with the XXXX County Assessors office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax refuses to correctly report my credit history. Equifax has deleted important credit information : My current mortgage and student loan has been deleted from my credit report, and they will not report XXXX account that was fraudulently used as closed even after I sent a copy of the letter from the creditor. What kind of investigations do they do when random things are changed without any request. This is very important to me as I am going to be buying a home soon so please help me get Equifax to conduct proper investigations and report accurately. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2022 I received a phone call from Cash 1 title loans ( XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ) asking if I applied for a loan. I told them no, and a lady named XXXX told me that someone obtained my drivers license and car registration from hacking the DMV 's website. This person used my license and registration to apply for a title loan. I asked how we can stop it and she said that no loan was approved, but they put a lien on my vehicle. I've filed a police report, a report with the FTC website, opened a case with Arizona DOT Office of the Inspector General, and contacted Life Lock. I have yet to be assigned a detective with the XXXX, and they keep telling me to be patient as they are busy. It's been over a month. I filled out all the documentation for identity theft, and have received no response. I've been in touch with Cash 1 multiple times to ask them to remove the lien from my vehicle and I keep getting the run around with them. Everytime I call, I get " It will be released in 2 hours '', " it will be released in 2 days '', " we're having program/system problems ''. I contacted Cash 1 again for the last time on XX/XX/XXXX, and XXXX told me the same thing " I put in an emergency request to remove the lien, and it will be cleared in XXXX hours ''. XXXX has refused to provide any written documentation that this lien has been removed from my vehicle. I don't have much faith in what she says because I've heard it multiple times from her. I told her that this is the XXXX time she's told me it will be removed, and all times it hasn't been taken care of and she denied ever saying that the lien will be removed. They did not physically see my vehicle to put a lien on it, which according to the Office of the Inspector General with Arizona Dept of Transportation, they can not put a lien on a vehicle without it being right in front of them. This person who stole my license also has been trying to apply for a credit card with XXXX XXXX, which I put a stop to, but now I'm waiting for it to be removed from my credit report. I pulled my credit report and have noticed several soft inquiries with my information for title loans and credit cards. I am looking to trade my vehicle in, but I can't because they are the Lien Holder on my vehicle. I own the car, have the title for it, but their name is on it as the lein holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: TX
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 XXXX is inaccurately reporting me to collections. I satisfied this account back in XXXX and this collection agency actually deleted this account in XXXX due to me fulfilling my obligations. Please see the attached document showing proof of my final payments to XXXX in XXXX. This account suddenly started to report on my credit again as of XX/XX/XXXX. This is a complete false reporting and XXXX  took advantage of me and my finances. Please delete this account right away!

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 2022-11-14
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking and savings account with m & t bank. 
M & t bank closed and blocked access to my account for 7 days due to a check coming back unpaid. I spoke with XXXX XXXX at XXXX who told me my account was being closed with pending disputes. And that she would not let me access those funds while they are investigating because I was lying about the disputes.i was also threated with law inforcement by 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 2017-02-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have private loans ( over $ XXXX ) with Navient for my XXXX. I have been enrolled in school for 2 years ( a XXXX program with XXXX XXXX since XX/XX/2015 ). I requested that Navient put my loans into school deferment. It took approximately one year for them to do this. In that year, my loans accumulated, my past due payments continued, my credit was effected, my phone and my family members phones ( including XXXX aunts and XXXX uncles who are not on the loan ) were harassed multiple times about my loan. I had countless ( over 10 ) phone calls lasting sometimes over an hour long trying to manage this and change this status. I faxed documents of my in school status countless times. I spend a very long time on the phone multiple times trying to obtain this status. XX/XX/2015 I was told I was in school forbearance and had NO payments due. I was told they were updating my online system and not to worry. I asked for payments that my status be back logged to when I actually started school ( a year ago ) so that payments that were made could go to my principle. I was told they would look into it. Within 3 months, despite me still attending school, the phone calls started again, I had past due payments in my account again and my family members started receiving calls again. I was told the in school status was not correct, that I still had payments due. I work full time and go to school full or half time ( depending on the semester ). Managing the account with Navient has been a full time job that I can not afford to have. I would spend hours each day arguing with the members about my status that It became too much of a hassle and I stopped trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is not additional information on complaint XXXX. 
I sent the email below to XXXX on XX/XX/2017 telling him to put a note on my account and tell his employees to not contact me by phone again, only by mail, because they are harassing me!! Since I sent the email they called me again on XX/XX/2017 at XXXX an XX/XX/2017 at XXXX, so I am now sending it to your office to deliver to him too! His employees have been rude and unhelpful every time I contact them and he makes excuses for them, once I do pay this account off will be closing the account because of the horrible customer service, is no wonder there are so may complaints online for the same!! 




















Sat XX/XX/XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX, I am having a problem with my account. I lost my job unexpectedly some time back and so my payment is now past due for XX/XX/2017. I contacted your account department to let them know what was going on and that I could not make a payment until the unemployment check was in my account, which will not be until mid next week. They then called my cell phone this morning at XXXX and woke me up ( from XXXX ), after I had just fallen asleep finally just a few hours before due to my concerns over the job loss, no promise of a new job yet even after sending out hundreds of resumes and interviewing with several employers, still waiting to find out if I am hired or not, having no financial help because I am only XXXX years old and already widowed twice and now both of my parents and their spouses are in theirs XXXX 's and have had XXXX, XXXX and XXXX so leaning on me at times. 




I want my account noted that I do not want to be contacted by phone or email, only by mail going forward. I am aware of the balance on my account, have never been late on a payment with you before, but can not pay my payment until I have money to pay it with. I live about two hours from the nearest XXXX 's location in XXXX, XXXX., but if you have a position open that will pay me enough to live in that area again in one of your stores I would be happy to take it and pay off my balance sooner. I am trying to get back over that way anyway, because there are more jobs closer to the city. I have also held high end retail jobs in the past with XXXX, XXXX, XXXX. 




Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days without update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Boone & Associates Group LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company has called me on several different occasions but today ( XX/XX/29 at XXXX CST ) they called a family member trying to find me. I decided to give this company a call to see why they were trying to reach me. I reached them at XXXX CST, this person did not identify as a debt collector, did not advise me that the call was being recorded, and did not verify who I was. They let me know that they are collecting on a loan that I took out a couple of years ago and will garnish my wages. I stopped them and let them know that they were not licensed to collect in TX or that TX does not garnish wages for regular debt. We argued over this until he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Direct Recovery Services, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am the brother of someone they thought they were calling. This is the transcript : Federal law designates this matter as a confidential notice for the XXXX XXXX XXXX if this is not the XXXX XXXX XXXX please hang up now if this is XXXX XXXX XXXX please continue listening to this message do not listen to this message where others can hear as it contains confidential information I will now be a three second pause hello this is XXXX XXXX unfortunately I received a notice in your file today is Thursday, XX/XX/XXXX in your ______ ___ reached my office due to __ looks like is him your failure to respond well I do need to know if it was done intentionally hopefully that was an oversight but I do suggest you communicate we are open today until XXXX XXXX  in the phone number I can be reached at XXXX again it would be who've you to call before we were asked to see his volunteer communications so please call me back at XXXX also I do apologize for any aggravation but again I did just receive this notice to pay online go to XXXX and click on the pay now link your account number is XXXX Sent from my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Automated Accounts Management Services
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. I was checking my credit report on XX/XX/2022 and was surprised to find a medical collection for the amount of {$630.00} that I was not aware of and have not been informed about. 
2. On XX/XX/2022 I sent a certified mail with return receipt the the collection agency requesting a debt validation. According to the return receipt, XXXX delivered the mail on XX/XX/2022 at XXXX. 
3. To-date, the collection agency has not responded to my inquiry.

4. I have never sign any authorization to release my medical related information.

5. As far as I know, I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to many problems encountered with PHH MortgageXXXXOcwen XXXX XXXX ; I decided to refinance a Mortgage that was supposed to be payoff XX/XX/XXXX. 

On XX/XX/XXXX, I refinanced my Mortgage with XXXX Mortgage. During that process, PHH Mortgage has fraudulently reported an incorrect PAYOFF AMOUNT to XXXX  Mortgage. My mortgage unpaid Balance with PHH Mortgage was supposed to be {$100000.00} as of XX/XX/XXXX. However, PHH Mortgage has fraudulently requested a PAYOFF AMOUNT OF {$110000.00} from Rocket Mortgage. 

PHH Mortgage received {$110000.00} on XX/XX/XXXX when it supposed to be {$100000.00}. 
That has created many problems : XXXX. {$4500.00} = {$110000.00} - XXXX Overage of {$4500.00} and has never returned appropriately. 
XXXX. PHH Mortgage has refused to returning the Overage to XXXX Mortgage or XXXX where the overage has came from or the Lender who sent the money. 
XXXX. XXXX XXXX who financially supported the Transaction Originally was not or never listed on the Deed of the Mortgage. PHH Mortgage refused to return the Overage ( {$4500.00} to XXXX XXXX XXXX XXXX same company that sent the fund or payoff to them. That created another problem because ( I, XXXX XXXX is liable to repay to XXXX XXXX XXXX ( $ XXXX ) when I did not receive that amount. Overall, the payoff should have been {$100000.00} as of XX/XX/XXXX XXXX. I do not see why I must be repaid to XXXX  Mortgage $ XXXX when I have not never received that amount during the refinance. Please see attach. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Professional Debt Mediation, Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Contact info Name PROFESSIONAL DEBT MEDIAT Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ONLINE Information Services, Inc.
State: TX
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:
Online Information Services - Creditors have reported several times my medical debt for the same amount and the same day of service. 
This has led to a derogatory number of 25 entries. I contacted them, but they do not know why these are reported so many times and they could not help. 

Creditor A : amount {$270.00} Reported 3 times Date : XX/XX/XXXX Creditor B : Amount : {$260.00} Reported : 10 times Date : XX/XX/XXXX Creditor C : Amount : {$180.00} Reported : 2 times Date : XX/XX/XXXX Creditor D : Amount : {$470.00} Reported : 2 times Date : XX/XX/XXXX Creditor : E Amount : {$180.00} Reported : 2 times Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credence Resource Management has been recently attempting to collect on a debt here and Florida where they do not currently have a license to do so. I first requesting validation of the debt and after researching creditor further, I learned that their license is inactive here in the state of Florida yet they continue to report this debt on my credit report. 

I 'm not sure how they obtained this information from XXXX, as I do not nor ever had an account from them, but to not even be legally authorize to attempt to collect this debt in the state of Florida is surprising to me.

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