BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All throughout XXXX, I was unable to make my mortgage payment, as per a representative I spoke with, their systems crashed and would be resolved Before XX/XX/XXXX, so I would be able to make my online payment. XX/XX/2020, I went in to make my payment, which I WAS able to make, but there was a note that stated I did not have to pay, as my account was in forbearance. I NEVER REQUESTED to be on a COVID forbearance plan, so after making my payment, I immediately contacted Wells Fargo to rectify my account status. The representative I spoke with stated it would take 2 weeks for my account to reflect the proper coding. Regardless, I received an alert from my free credit reporting there was a remark on my credit BY WELLS FARGO, stating I was in a forbearance plan. I am reporting to both the CFPB and OCC, as I know any credit reporting tied to COVID is a direct violation of the CARES act. Again, not only was this reported in violation of the rules and regulations set forth by our regulators, Wells Fargo also reported erroneously as I A ) did not request to be placed on a forbearance plan and B ) my loan is current, with a due date of XX/XX/2020. Also, I have never made a late payment, so am very upset about how my credit report reflects a forbearance status. I have attached screen prints from my credit reporting showing the remark, as well as from my account, showing my account is current. 

Lastly, my step dad, XXXX XXXX XXXX, is on the note, but not the mortgage. I am currently only filing this complaint on my behalf, but would expect if his credit were affected as well, the same updates to credit reporting should be reflected for him. 

Thank you. 

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 2018-07-01
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to file a complaint against Ability Recovery Services Collection Agency who has failed to investigate fraudulent accounts opened under my name at a school that I've never attended. This school is an online program which I have never attended nor signed up for education. They have added ( 2 ) account to all ( 3 ) credit bureaus and even after sending proof of police reports and identity theft, as well as disputing these accounts, they have failed to remove them from my credit reports. The accounts are {$370.00} and {$460.00} and are hurting my ability to obtain credit. 

I have been since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX. I did not sign up for any educational services with XXXX XXXX as I am a current XXXX XXXX  at XXXX XXXX University and have been since summer XXXX, enrolled in a XXXX  program which requires a XXXX XXXX, which I obtained in XXXX from XXXX University where I initially enrolled in XXXX of XXXX. This can be verified thru the XXXX XXXX XXXX or by contacting either university directly. 

With that being said, I have absolutely no reason to sign up for any services with XXXX XXXX as Id already had ( 2 ) XXXX degrees ( during the time youre stating I was enrolled at this school ) and will be graduating soon with a XXXX XXXX. There is absolutely no way I could have combined universities with the workload I carried during my XXXX classes at XXXX University as I was already a XXXX XXXX taking XXXX credits per term. Whoever signed up for classes with this school did so in a fraudulent manner. 

I am requesting that this agency investigate this matter and correct this as soon as possible as this is hurting my ability to obtain employment in my field of degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I sent a XXXX dollar payment to my Paypal credit account. Unexpectedly a great portion of these funds were applied to a " XXXX equal payment purchase '' rather then to my purchases which had either interest or deferred interest. I have called, chatted and emailed with PayPal to attempt to reallocate the payment, but this has not been done despite assurances that it would be completed.

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 2016-11-30
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A disputed medical bill from u of u was given to express recovery services. We explained that it was, and still is disputed to express recovery. We explained there are inaccurate charges and credits and will not pay more until it gets straightened out. They did nothing to straighten it out, threatened us with extra fees, and just filed a legal suit against us. First of all they put this on our credit report and did not mark it as a disputed issue as they are required. Second, they have ignored the judge XXXX XXXX XXXX 's instructions to not charge interest or fees and are still pursuing the inflated amount from us. We have sent them a check but they wo n't cash it. They have do not conduct business to obtain accurate payments on bills. They will not research issues to be accurate. They will not follow the judges direction. They report to credit agencies unlawfully by not explaining the issue is disputed. I also noticed they deceitfully collect collection information at the courthouse without explaining what any why it is going on. Their employees are allowing themselves to be misrepresented as officers of the court in order to get descriptions of assets so they can collect against them. Those people called into court assume the people in the courthouse telling them to fill out paperwork are court officers. That is a deceptive business practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-05-23
Company: Stellar Recovery, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company,  XXXX   XXXX   XXXX   XXXX , Fl. reported on my personal   XXXX   credit report  XXXX  a placement for collection by  XXXX , account #  XXXX .  ( cr edit report pages are attached ). I mailed a letter dated  XXXX   XXXX   2017  ( which is attached ) stating that I DID NOT RECEIVE a letter for 30 day notification to have an attempt to dispute this debt before reporting to credit agency.  XXXX  is in violation Fair Credit Reporting Act for failure to do so and m y credit score dr opped  XXXX  points ( the damage ), I further followed up with a phone call to them and spoke with  XXXX   XXXX , and  XXXX  who could not locate the account information.. I then called back again and spoke to  XXXX , who said she located the account and would send me copies of the letter from  XXXX  and their " 30 day letter, WHICH I HAVE NOT RECEIVED as of today  XXXX / XXXX / 17 . This debt needs to be removed from my credit bureau agencies, since SR violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: Experian Information Solutions Inc.
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CO on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a Netspend prepaid card. My reason is because I wanted funds to travel from Florida back to my home in XXXX With the current crisis, I did not know what I might encounter and I did not want to carry excess cash. Netspend accepted my cash for the card but denied me the use. The reason is that I gave my home address XXXX XXXX, Pa XXXX and that was away from where I bought the card. Netspend asked for documentation so I sent the a Pennsylvania Real ID ( the enhanced identification that allows you to board airlines ), my XXXX card, and a utility bill with my name and my Florida address. They asked for a social security card which, I explained, I did not carry. At one time, XXXX cards used a social security number, but no more. And, to get the Real ID, a person needs to provide an original social security card as well as birth certificates and several other documents. Netspend took my money but would not authorize the card. Their people were seemingly not informed about current identification and insisted on my social security card which is at home and, to get there, is why I bought their card. In stressful times, like now, their actions are unacceptable

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 2017-11-27
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have tried contacting Santander consumer usa multiple times regarding my loan. They are charging me the max interest rate on my car loan. It is making it almost impossible to pay this car off. Its absolutely unfair that they are legally allowed to do this to people. 25 % interest on a XXXX car loan is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XXXX17 MY ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY XXXX XXXX AND XXXX XXXX. I DISPUTED THESE CHARGES BECAUSE THE SERVICES WITH XXXX HAD BEEN CANCELLED IN XXXX AND XXXX XXXX IS ENGAGING IN FRAUDULENT PREDADTORY LENDING PRACTICES AND IS A SCAM. BANK OF AMERICA IS REFUSING TO REIMBURSE ME FOR THIS VALID AND LEGITAMITE CLAIM.

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 2016-03-10
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the second time the same company by the name of XXXX XXXX posts a collection on my credit report. This account # XXXX is not mine with a balance of XXXX. It is a result of identity theft. Experian has a police report in their files regarding my identity theft. I submitted my dispute explaining this and the result was an update which did not change the reporting of said account. 

Also my experian report has an also known as : XXXX XXXX. 
This is not my name, I have never applied for any credit under this name. This is not my name this name is there are a result of identity theft. My police report also lists the aliases that are not mine.

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 2022-04-16
Company: Albert Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/XXXX my paycheck ( {$1000.00} ) was direct deposited into my Albert card. I spent approximately XXXX dollars and lost all access to sign into my account also lost the ability to use my card. I have since been told that my account is closed and that I have multiple accounts which I do not and that an email that is unknown to me is attached to my account. Also I was told that my phone number is not the one that is attached to my account. I have since been told that my account is not closed and that they were sending it to a specialist. I haven't gotten a response since and I still have no access to my account. I need my money for my bills and I have no idea what is going on. The only way to contact these people is by text or email and they don't respond by email at all and text takes forever I mean days or longer for someone to respond, if they respond at all.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Debt Recovery Solutions, LLC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a Victim of Identity Theft which has been reported to the Police Department. 

The company DEBT RECOVERY SOLUTIONS reported to my credit report a debt owed to XXXX even though this debt is a result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2015 the fiance company TD auto repossessed my car by mistake it was awful not to say embrassed the tow truck came started taking my car when I told him it was a mistake that I was protected by Bankruptcy law and refused to believe me and called the police my neighbors were woken up. The next morning called the fiance company the person to whom I spoke with was rude and would not listen to me cold not go to work for 2 days lost pay and not to say I was embrassed after many phone calls finally someone told me it was a mistake and sent me a letter of aplogy and the tow driver brought my car back in the night will repo stickers still on. I think they should at least do something for the money I lost and the anxiety I went thur. Thank you for listening

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a US bank account a couple years ago that was hit by fraudulent activity. I called customer service as was told my account would be closed and not to worry about it, a few months later I started receiving bills from them stating I owed over {$1000.00} in overdraft fees and that my account had not been closed. I called the customer service again and was told that the other guy did n't do his job and that if I did n't pay them right away they were going to report my account as being abused and fraud on me. I refused to pay as I had already been advised that I would n't have to worry about it. I have since had a XXXX XXXX 2nd chance bank account for over 2 years now and feel that I am forcing myself to suffer by not having a real account all because US bank feels it 's ok to rob people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to file a complaint against Hunter Warfield Collection Agency who has failed to investigate a fraudulent account before adding it to my credit reports. I have disputed this account at least 5 times with no changes. They have added an account to all ( 3 ) credit  bureaus and even after sending proof of police reports and identity theft via fax, email and certified mail, they have failed to remove them from my credit reports. This account it totaling over {$10000.00} in apartment damages. 

I have been a victim of identity theft since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX which seems to have resulted in the tax identity theft. Due to all of this, I have been forced to file bankruptcy twice the past 5 years due to items showing on my credit report. 

I am requesting that this agency investigate this matter and correct this as soon as possible as ASAP as this is hurting my ability to obtain employment and/or maintain a good credit history.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency placed a bad debt on my credit report for XXXX when the balance was paid directly to the creditor. I do not owe Credence collection agency and this is a false representation that is being displayed on my XXXX  report. This needs to be removed completely from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-29
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
After I returned merchandise and did n't get my funds back, I opened dispute with US bank. A month later I was debited funds which were credited back to me previously. I even provided tracking number when I opened the dispute. When I called the customer services was rude and di n't listen to my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i have had a mortgage with PENFED for approx 4 years- in spring i received a note that my insurance had lapsed and that the mort company had secured a policy and aded to my escrow i called to advise them that i indeed had insurance and apparently there had been a lapse of apron 2 months as my insurer stopped covering florida - my agent didn't notify me - as soon as i became aware i called and got new insurance and advised penfed in may my mortgage payment suddenly shot up XXXX month- i spoke ww the company advised what happened and they supposedly fixed the account i today received a letter saying my account was delinquent when i spoke w the penfed rep i was informed that it was because i had no insurance i went through the same call explaining i in fact XXXX have insurance and asked to speak w a supervisor nobody has called me back i do not want this damaging my credit report and i want any late fees credited back please advise

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 2020-04-06
Company: Dynamic Recovery Solutions, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They call and I have told them I do not owe them any money and to stop calling me. They are also blocked on my end to stop them. They change their number over and over again and keep calling with the same message : Hi I'm reaching out to you today from Dynamic Recovery Solutions a debt collector. Please give me a call back when you do receive this message. My number is XXXX I would appreciate a call back today if possible. Again our toll free number is XXXX. I do appreciate your cooperation you have a great day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America Bank of America cancelled my checking account with no notice. No text, no email, no phone call and they had all mentioned on file. I was on vacation and it caused a GREAT deal of problems. I found out by trying to use my ATM card. When it was rejected I had over {$10000.00} in the account. I was told on the phone all funds were frozen, and they would not give me a reason for closing the account. 
This is NO WAY to treat a consumer and customer. I also intend to file a complaint with the 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 non-monetary relief