BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
THIS IS NOT A CONTINUATION OF THE OLD COMPLAINT THIS IS A NEW COMPLAINT! 

I received a formal letter response on XX/XX/XXXX after I filed my initial complaint with the CFPB on XX/XX/XXXX. In this response I was told, and I quote, Please call XXXX XXXX at XXXX XXXX XXXX XXXX ext. XXXX to assist you in reaching a resolution of your account balance. 

For 2 days I called aggressively, morning, afternoon, evening and night where I was bounced around, left voicemails and begged to reach someone to resolve this debt. The original complaint was filed because of poor communication and a refusal to give me the means or connect me with the right people to resolve my debt. 

Here we are 3 months dating back to my original attempt to contact your guys into me trying to resolve this debt and I still cant get a hold of one person who can help me resolve this debt, yet weekly you guys report my debt to all credit bureaus. Midland Credit Management has also started adding XXXX at a time on the report. I spoke with XXXX XXXX, a manager at your company who said that throughout your entire company there is only ONE person who can help me resolve this debt, she suggested there nay be 2 but she wasnt sure. She also states there is no timetable she can give in regards to me ever being able to reach who I assume is Kelli.This same sentiment was repeated by your employee XXXX XXXX. 

The response to CFPB simply feels like a cover up. I have cried to your employees as your refusal to connect me with people to help me settle this debt is starting to feel like Im being bullied. I am trying to close this chapter of my life so my daughter and I can free ourselves from a debt that was created by her XXXX XXXX father. 

Your original response letter stated In keeping with our Consumer-First policy, and to provide the highest level of consumer satisfaction how is this authentic when you are telling me only one person in the country can help me resolve a debt, and provide no timetable or best time or way to connect with her? 

To make it clear if XXXX XXXX is the only person in this special department you are saying a that can resolve my debt I ask that she reach me immediately, if she cant I ask that you free me! I am a single mother and I have given so much time and energy to this company to do the right thing. Please show some professionalism and compassion, this is not right! You are not just effecting me you are effecting my XXXX year old who wants a home! I need this resolved to finally give my baby some stability! Please, please do the right thing call me and help me get this resolved or just close the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2021-03-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I utilized the atm to make a deposit of both cash and checks on XXXX XXXX. The atm jammed and did not credit my deposit. I went into the branch and one of the representatives took my claim and phoned it in why I stood by. Being that no deposit slip was required I did not have a detailed list of my checks that I deposited but I did know about how much the majority of the checks and cash came to ( XXXX ). {$350.00} was a cash a deposit which I was most concerned about because how do you prove how much cash you put in the atm. I didn't understand why one of the representatives wouldn't go out to the atm and collect the jammed deposit. The representative told me that XXXX would have to come do that. I followed up on the claim that evening or the next day and was told it would be 10 business days to " investigate '' the claim. Several days later a temporary deposit was placed in my daughter 's checking account and not my savings account as directed by me. On XX/XX/XXXX I received an email that there was a correspondence in my chase app. When I found the letter it again was in my daughter 's account dated XX/XX/XXXX where I was notified that they were reducing my deposit by {$840.00}. There was no explanation as to why. When I called in a representative said they would ask but refused to call me back. She stated, " we are not allowed to call customers. '' I am beyond dumbfounded at how I have been treated throughout this whole process. Not one time has Chase bank ever called me or " investigated '' my claim. An investigation would have involved actually talking to me and not sending me generic emails. I requested from Chase all of the notes and what items were accepted as deposit and I am still waiting for their response. Any assistance you can provide will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Without any notice to me, Wells Fargo took my payroll check for {$1200.00}. They list it as a PCM Offset. When I went to speak with a Wells Fargo banker about it, he said he could not talk to me about it. 
In XXXX, I was working as a XXXX. It was decided that I would get a separate checking account from my wife. As I was out of town working, she went to XXXX XXXX and opened the account for me. Her name was not on the checks. She did not have an ATM. She did not put money into this account, or take money from this account. It was my account alone, or so I thought. 
XX/XX/XXXX, I had an overdraft protection account with Wells Fargo. I went to transfer funds from this account and found it was closed. I went to the XXXX Wells Fargo branch and talked with the banker. He said that my wife had a loan that was overdue so they closed my overdraft account. I asked about her loan and he said that he could not tell me about it as my name was not on the loan. I asked why they had closed my account and he said that her name was on this checking account. I told him that was wrong, this was my account alone. He said since she originally started the paperwork on this account, her name was on the account. I asked him to remover her name, he said that I could not do that, she had to. I talked with my wife and she went to Wells Fargo to have her name removed. I paid the money I owed on the overdraft account. 
On XX/XX/XXXX, I received my payroll check for {$1200.00}. On XX/XX/XXXX I logged into my online Wells Fargo account to pay bills. It showed that {$1200.00} was withdrawn from my account showing " PCM offset ''. I went to the Wells Fargo branch to ascertain what had occurred. The banker told me that he could not tell me, but alluded that it had to do with my wife being on my account. I told him that she had been removed from the account XX/XX/XXXX. He said that, no she was still listed on the account. I went and picked up my wife and we returned. I was told that she had an account that was in arrears and they had taken my payroll check. My wife showed that she was paying on this account that was in arrears. She had made a payment on XX/XX/XXXX. He said that there was nothing he could do. 
On XX/XX/XXXX, this banker said that he tried to get the money refunded but they refused. 
I have had this account since XX/XX/XXXX. I pay all my bills with Wells Fargo and other creditors. Had I known this money was owed, I would have worked to correct the problem. I strongly resent that they arbitrarily seized my payroll check. 
I would like this money refunded to me. I have bills of my own that I planned to pay with this money. I never authorized this withdraw or had any knowledge of a debt. This was my account alone, regardless of what some banker had written.

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 2015-09-20
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The VA is claiming I owe money. They can not tell me why I still owe this money because I paid the debt I had with them from my GI bill benefits before I could start receiving benefits. Pioneer recovery has started collecting this debt. They 've added {$500.00} in fees and are now garnishing my wages. I have read on the VA 's site that the Treasury Department is who collects any VA debts. Pioneer Recovery did n't give me any notice that they would be garnishing my wages. I need this to stop because I can not afford to pay my other bills with XXXX % of my net wages being garnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help with my case.TD BANK USA/TARGETCRED is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/XXXX and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : Account # XXXX-Date Opened XX/XX/XXXX-Credit Limit $ XXXX.Account Status! Closed This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
hi, scott, parnell & associates has threaten to sent an undisclosed agent harassing me at all time of day and night. the bill was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Northland Group Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just received on mail a letter from this debt collector Northland Group Inc. claiming I owe {$1100.00}. 
I do n't know where this amount is coming from so I would like to ask the CFPB to look into this matter as well I 'm sending a debt validation letter attach here to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I believe that this alleged debt us fraudulent, because according to the date in question I was insured through XXXX have been employed at XXXX for Aprox. 5 years. So as XXXX of these facts there is no way that I owe any hospital.

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 2021-03-21
Company: Square Inc
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Received a cash app card.I never applied someone used my social security number.I called the company they said they closed my account and that I should file the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to obtain my credit report through the Experian website on XX/XX/XXXX, only to be repeatedly told that my report could not be found and that I needed to confirm the accuracy of my address. This seemed odd, as I was entering the correct information - the address I was inputting was literally on a credit report that Experian sent me less than two months prior. 

After struggling with the website and having no luck, I called Experian, and literally spent more than five hours trying to resolve the problem, constantly be shuttled in between the customer service and membership departments and being left on hold for eons. At least four different times, I was placed on hold to be transferred to someone, and then the line cut out. 

Of the course of talking to 10+ different people, I was alternately told that 1 ) everything looked fine and that there was just a problem with the website 2 ) that I had incorrectly answered security questions ( not true ) and that no changes could be made to my account for 72 hours and 3 ) that somehow my credit report no longer had any active addresses. With the latter option, this was apparently the result of me previously asking them to deactivate an incorrect variant of my correct address. Somewhat at Experian deactivated both the wrong variant of my address and the correct address, leaving me with no valid address in their system. 

Attempting to rectify this, I was told that I could go to experian.com/upload to submit documentation proving my identity and address, but that didn't work - I was repeatedly told " We're sorry. We were unable to honor your request. '' Apparently my only option is to literally mail in documentation proving my address and identity, despite the fact that the original error was committed by Experian. Even worse, I'm currently living abroad, which means that this will take weeks to resolve. I just want my credit report and Experian is making it impossible, and even worse they're making no effort to rectify their own errors, putting it back on me to clean up the mess that they made. 

This is an awful company, with horrendous customer service.

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 2021-03-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have continual complaint of excess interest charges by citizens one bank and my auto loan. That was issue this recent complaint and Ive complained to the bank more than once. NOW Im trying to jusy pay off the loan and they wont let me pay it off ... proof they continue to bilk me for interest. 
XXXX XXXX AGAIN handling my complaint same as last year you will get reply from her according to her BUT she had just called me and hung up in my face.. RUDE NASTY and never addressed any actual issue or the fact they KNOW I want to pay off the loan I dont want to do buisines with this corrupt bank. XXXX hung up in my face they have the recording too she said she was fgoing to give me the pay off amount and NEVER did. she said she was going to correct the now additional interest due to their own negligence and obviously that was never done either.. This bank is not allowing me to PAY OFF THE LOAN. Ive informed them since the XXXX XX/XX/2021 I dont want to do business with this XXXX bank and I cant get anyone on any phone or website contact there is NO customer service now they are telling me conflicting information.. they said I could pay with a credit card and transfered me then im on hold still XXXX at night prior saying he couldnt take credit card payment???? XXXX cut me off so I couldnt pay off the loan now anyone I happen to get on phone is unable to take payment??? intersst continues to accrue and I cant pay off the loan because they wont let me!! its one thing after another with this XXXX bank. no one has addressed any of my concerns either this XXXX keeps making same lame excuses that are not accurate at all as I informed original complaint.. NOW they are not letting me pay off the loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The tenant that lived at in my house had an XXXX account. When he moved out, I was charged with his bill from the new residence but under my name. I figured this out when I went to the XXXX local store to start XXXX under my own. The representative checked my ID ( billing address did n't match my address obviously ), put some notes under that account, apologized for the error and fixed it by giving me a new account and not charging me anything for the previous account. Now the collections has been calling me over and over to collect this debt. I already talked to them but its not helpful.

Company response to consumer: Closed
Consumer complaint received 2022-04-09
Company: GOLDMAN SACHS BANK USA
State: FL
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:
GOLDMAN SACHS BANK USA HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Lil' Wave Financial, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Superior loan service and XXXX XXXX XXXX same address for both companies XXXX XXXX   XXXX XXXX, XXXX XXXX, California XXXX has been sending me mail letters. Stating that I owe them money for a loan and said that they will foreclosed my property and will sell my property without any court action ; There was a loan tooken out for XXXX by a person name XXXX XXXX from superior loan service. I dont know that person or the loan company. That person XXXX XXXX has his mail sent to my property a few times, I have no idea who that person is. And never heard of that loan company before. 
I am a XXXX citizen, with XXXX kids.i have been staying in XXXX California for nearly 40 years now. And have no intention of moving or intention of takening any loan what so ever. 
I spoke with the superior loan service general manager XXXX XXXX in early XXXX. And she said she will investigate, but havent heard anything from her but still receiving mail from that loan company. 
Last month the superior loan service company had sent a man to inspect my my home, he came on a Saturday around XXXX XXXX XXXX XXXX while it was getting dark, looks very suspicious and scary. He wanted to come in my property and do an inspection. I said no he can not. He said he was sent by superior loan services and mentioned a name XXXX XXXX. I told him I dont know who that person is. And never heard of that name before. I told him the same with that loan service company.i ask him what company is he from, he replied hes an inspection company from Utah. He had his phone with him, I think he took a photo of me as well with my permission. I am sick of them and there letters, Im XXXX with an illness and they are causing me stress and making my sickness worse. Please help thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was frauded by a man named XXXX XXXX who went to the XXXX. He was supposedly robbed and his daughter had a XXXX XXXX. I paid for the surgery for her. Then I had to take out XXXX loans because he passed a false check that cost me around {$2000.00}. So I consolidated my loans with a good company named XXXX. One company " Loan Me '' hassled me about payments even though they knew I was consolidating the loans. They called me at XXXX in the morning and left me several messages about XXXX times last Sunday. They threatened me with the Credit Bureau and laughed at me on the phone. They also said that I could n't get anywhere because I would have a negative on my Credit. As a senior citizen I was forced to pay {$300.00} with the late charges added to the {$290.00} and called me a XXXX. This company needs to be reprimanded for their practices.

Company response to consumer: Closed with explanation