BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-02
Company: Lionstone Holdings Group
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by phone to let me know that the caller would be coming to my home on XXXX XXXX, 2016 to have me sign forms regarding collecting a debt I ( supposedly ) owed. 

When I asked the caller what was the debt? She did not tell me but referred me to a phone number to call to get such answers. She politely supplied the number, and I immediately called it. The number I called : ( XXXX ) belongs to a debt collection company LHG - Lionstone Holding Group. I spoke with a customer service representative by the name of XXXX XXXX. She verified that they were attempting to collect a debt from a XXXX XXXX at telephone XXXX. The social security last for digits did not match my social security number and the date of birth also did not match my date of birth. With this information verified, she said that the may have the wrong person, and to not worry about it. I asked for the address that they were sending the first caller to, this they would not diverge because they said it did not matter since it appears that they probably had the wrong person. 

I told her that this matter still mattered to me because I had never heard of a credit collection agency sending someone out to your home to have persons sign papers regarding a debt. The Rep replied that that part was handled in another department and she did not know about that portion of the work. I asked what was the debt, but she insisted that since the social security number and DOB did not match, she could not tell me any more about the debt. I told her I was very disturbed about how the whole issue was being handled because I was called on my phone and harassed about a debt they claim I owed and would be coming to my home on Friday XXXX XXXX ) to have me sign certain forms, yet they can not tell me what kind of debt or how much it is ... after disturbing me in my home by an harassing phone call over it ...., left me disturbed and unsatisfied with the results. I also told her that I had never heard of a collection agency being sent to your home to collect a debt or sign papers concerning the debt, and that the only people I know that come to your home are sheriffs to serve notices and warrants - and they come with guns on their hips prepared to protect themselves ; I also stated that the collection agency 's practices were disturbing to innocent people and dangerous to the people being sent out, and I would report this incident to Consumer Financial Protection Bureau both for my sake and for the workers ' sake, and that they needed to change their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Please be advised that this complaint # XXXX against GM Financial has not been resolved. I am alleging that GM Financial engaged in deceptive trade practices along with XXXX XXXX who paid GM Financial via my bill pay account. Let 's try to communicate the facts that need to be answered once again. XX/XX/XXXX, GM Financial received a car payment that XXXX XXXX alleged had the incorrect mailing address but correct GM Financial Account number. Following the XX/XX/XXXX payment, the XX/XX/XXXX and XX/XX/XXXX payments with allegedly the same incorrect mailing address and same correct account number were not received by GM Financial. I asked GM Financial to produce all internal records to prove that they did receive the XX/XX/XXXX payment with the wrong address but correct account number and to prove that they did n't receive the XX/XX/XXXX and XX/XX/XXXX payments with the correct account numbers from XXXX XXXX. I explained that XXXX Bank refuse to provide me with all three mailed, returned, and cancelled checks and therefore, I was requesting the XX/XX/XXXX cancel check from GM Financial and the XX/XX/XXXX and XX/XX/XXXX returned mailed checks from GM Financial and the XX/XX/XXXX and XX/XX/XXXX cancelled checks received by GM Financial in order to prove that they had nothing to due with the deceptive trade practices and fraud of XXXX XXXX. GM Financial refused to provide me with this material information to exonerated themselves of engaging in deceptive trade practices and fraud. GM Financial refusal to provide me with the internal documents for my car payments was based on deception and fraud. These incidents of fraud occurred before I return the vehicle in and the fraud was the reason that I return the vehicle in. Let me repeat myself, the deceptive trade practices and fraud occurred before I returned the vehicle and it was the reason that I returned the vehicle. Until GM Financial provides me with the internal car payment records specified in this complaint ; then, they knowingly and intentionally engaged in deceptive trade practices along with XXXX XXXX who also refused to provide me with the internal records and stated that the cancel checks were destroyed which is a violation of federal document retention laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I called Santander Bank to close my account. The representative refused to close my account even though there is currently a XXXX balance. The withdrawal to empty the account was considered " pending ''. The told me she could not put a note on the account to close it when the transaction cleared, nor could she confirm that at the moment I would call in in the next few days that it would be closed. Horrible customer service. They provide no option to close the account via secure message either.

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
Consumer complaint received 2022-05-05
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I received a phone call from 'Wells Fargo , ' phone number XXXX and the person that I spoke to claimed they were a Wells Fargo Fraud Protection Agent . This person then sent a 6-digit code to my phone via text to verify my identity. This is the same process Wells Fargo has in place to verify the identities of their customers, however this time, it was a fraud. I provided the 6-digit code to this person thinking they were a trusted Wells Fargo representative . This fraudster had now gained access to my account using the 6-digit code sent via text and performed the following activities. The fraudsters withdrew {$1000.00} from my Deposit Account via a XXXX transaction. They then authorized a cash advance in the amount of {$2900.00} from my credit card to my Deposit Account. Finally, the fraudsters wire transferred {$3000.00} out of my Deposit Account in order to claim the {$2900.00} cash advance for themselves. I submitted a fraud claim to Wells Fargo within 5 hours of this event occurring on XX/XX/2022. As of XX/XX/2022, Wells Fargo had ruled in my favor for the XXXX transaction and reimbursed {$1000.00} into my Deposit Account. However, Wells Fargo has denied my claim to reverse the cash advance because doing so would overdraft my Deposit Account. The complaint I am making is that the {$3000.00} from the wire transfer should be reimbursed to my Deposit Account which would then be used to reverse the cash advance of {$2900.00} on my credit card.

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 2016-04-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Description from my complaint : On Monday, XXXX XXXX, I attempted to use my debit card and it was declined. Knowing there were funds available, I called the customer service number at Santander. I spoke to a woman who informed me that my card had been flagged for fraudulent activity and canceled/put on hold on Friday, XXXX XXXX. I never received a phone call telling me this. I tell her the charges on the card were not fraudulent, as I was traveling for work all week and weekend and had purchased the items. The woman then lifted the freeze on my card, and I was able to make an online purchase. 

A few hours later, I go to use my card again. It is declined. I call the bank back and am hung up on in the middle of speaking to someone twice. I call back a third time. The woman is so rude to me regarding the charges that I tell her I will go to my local branch. I walk to my local branch ( XXXX ), and the manager there informs me my card has this time been canceled, confirms a new one has been ordered, confirms my address and I leave. 

That was XXXX XXXX. Today is XXXX XXXX. After going to the bank numerous times and having the card sent to XXXX separate addresses, I have still not received a debit card. I have not had a debit card for my account for 43 days. 

I have already filled out a survey explaining all of this following my calls with the customer service center. No one ever called me. I have never been contacted regarding my issues, despite numerous phone calls and visits to my local branch. The service I have received, particularly being a new customer, is borderline unbelievable. 

At this time, I have gone on my online banking on my own and ordered a new card, and put in a THIRD address, hoping it would come there. To be very clear, both my home and the additional address I used ( work ) are extremely secure, so neither of these are instances of mail disappearing. They simply never arrived. 43 days later, I 'm ordering my own card, having never been contacted by customer service and still without a card, which I 'll spend another week waiting for, hoping it will arrive.

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 2022-05-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions

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 2022-05-05
Company: Navient Solutions, LLC.
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: Reporting company used your report improperly

Complaint:
I received an alert from XXXX Credit Report Monitoring system of XXXX points decrease, BECAUSE Navient is reporting inaccurate, unverified, not validated and frivolous account ( s ) information to include a " LATE PAYMENT ''. Please take notice UNDER the Fair Credit Reporting Act ( FCRA ) NAVIENT is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. Moreover, under the FDCPA debt collectors are NOT allowed to communicate with me ( the consumer ) under 15 USC 1692C. Additionally, NAVIENT IS IN GROSS NEGLIGANCE due to the fact of National COVID-19 Pandemic and " on XX/XX/2022, the U.S. Department of Education ( ED ) extended the student loan payment pause through XXXX XXXX " This PAUSE includes : A SUSPENSION OF LOAN PAYMENTS, A 0 % INTEREST RATE, STOPPED COLLECTIONS ON DEFAULTED LOANS. CFPB please address and correct XXXX and Navient, and please refer this CLAIM to any and all Offices of Redress to address these violations being committed against me, the consumer and more than likely many other people in the public, and across the united states of America! ThANK You!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold from XXXX XXXX XXXX to Carrington Mortgage services in XXXX of 2015. I continued my monthly payments to Carrington starting XXXX 2015. Carrington states they raised my escrow payment beginning XXXX 2015. I never received any notice of this increase. They started not applying my payments in XXXX 2015 because it was not enough for the payment they had raised. They started charging me late fees and eventually reported late payments to credit bureaus. They did not call or send any correspondance regarding my payments ever. I found out after shopping for new hazard insurance and finding derogatory reports on my credit. They claim their actions are legit because they claim they sent me increase notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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 brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This acoount is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reached out to XXXX XXXX XXXX and Eastern Account System about a {$570.00} PAID collection they keep putting on my XXXX  credit report. This information is false and this XXXX related was paid over 2 years ago, with proof of cashier check from XXXX XXXX XXXX XXXX Bank. I have attempted to multiple times to get this removed. It is currently hurting me in closing on my house, I need immediate action taken on this false collection. I want someone to reach out to me immediately to get this removed or resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
State: AL
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:
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports

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 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX County & XXXX County & XXXX County medical providers have erroneously billed for unnecessary medical services for unrequested/unrequired medical services. Requesting CFPB to permanently delete associated medical accounts and medical collection accounts. Per Federal Law medical accounts are NOT to be reported XXXX, Transunion, or XXXX. I have a XXXX credit score, due to medical accounts my credit score has dropped to a mid-score of XXXX which is limiting my credit access in rentals. 

Due to a medical data breach within Counties listed above, medical providers were erroneously called by law enforcement without justifiable cause or medical necessity. 
Essentially, running my medical bills. I assert law enforcement is each County above must be accountable or each County above should pay from County medical indigent funds. I NEVER NOR REQUIRED medical services in State of Florida from XX/XX/XXXX to XX/XX/XXXX. 
My perfect XXXX credit score has been substantially damaged by medical collection accts. 
Review each major credit bureau prior to XX/XX/XXXX - major financial institution accounts report outstanding credit history. CFPB credit report representative must remove malicious billing due to police harassment due to systemic XXXX bias & prejudice.

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 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX located at XXXX , Florida . 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 2015-10-19
Company: WESTERN UNION COMPANY, THE
State: VT
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent money by western union to a person XXXX to adopt a XXXX XXXX puppy then got hit up for insurance, a new crate, then the deliverey person got robbed and needed even more money. I was scammed bad. I want other people to be aware of this. I sent XXXX of my hard earned money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2020 i recieced a Brinks Money, Mastercard with my name on it in the mail. I never applied for this. I called to ask if this was the prepaid card i was supposed to recieve for my recent XXXX, XXXX Benifits, and I could not reach a customer service person. I dont know why I have recieved this and I cant reach anyone at the company.

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 2020-02-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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 and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached.

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 2022-05-05
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, a company I have not had an account with for over 10 years, but my partner had an account, even though I took my name and information off the account years ago, they charged me a box fee which was returned with a receipt to prove it. They sent to collections, I disputed spoke to the company they said theyd take the charge off and the collections, then they charged me again and sent to collections again. I filed a report with the FCC and there was an investigation, they took the charges off but the collections company keeps flagging my credit with a {$0.00} amount every other week. I have 5 collections claims on my credit right now from these two companies. Spoken multiple times with credit management LP and no one seems to know how to fix it instead they keep asking me to pay THE OLD DEBT THAT SINCE SAYS {$0.00} theyve sent {$0.00} to collections 3 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation