BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: EAST WEST BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
This is a continuous complaint according to a previous complaint : ID XXXX Why had it just been closed? How can I do next? It's a dispute. Where and how can I fight for my right? 

Below is my reply regarding the response from the company : Firstly, as I said before, I respect and have no issue that XXXX bank closed XXXX XXXX 's bank account. Because it's the banks ' right to choose their clients. 
Now XXXX is asking for the damage that occurred by the XXXX bank 's misleading message. Because it was an official message from your bank. Your bank should really NOT continue to send that kind of message if the account was not able to receive any funds. Also, you guys should really NOT returned the fund to any third-party WITHOUT her permission AFTER sending such a confirmation message. She had sent the goods to that sender and there is no way for her to claim it back ( If need, XXXX XXXX could prove all the details ). Obviously, she deserves compensation from your bank because it was totally a technical mistake from your bank. 

Secondly, regarding the so-called 'fraudulent wire recalls ', it's just a unilateral claim from the SENDER 's side. It's not real. It's unfair that you guys judge her before a clear investigation. You guys should give XXXX XXXX a chance to explain the story behind. She is NOT a fraudster. If you guys need or are interested, XXXX XXXX can provide all details to prove she is NOT a scammer. It happened to her before. Actually, some people online bought a virtual tool from her, which is definitely legit and had clear proof shows that the buyers knew that. But people might use that virtual tools to invest in other projects ... If any recalls occurred, probably because some of them might be scammed by those online projects or lost money in their investments and nowhere to trace back. Then they tried to recall the payment from XXXX instead. Some might do it intentionally, and pretend they didn't know. Some of them might be really ignorant. It's totally not XXXX 's fault or responsibility. All the inward remittances are her legal fund. Anyway, this is not the point of this dispute. 

So, I wish, the XXXX  bank, as an honorable financial institution in the market, could face the fact and be responsible for their clients. 

Thanks so much.

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 2017-05-01
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car from XXXX XXXX now known as BridgeCrest.. Since having purchased the car in XX/XX/2011, I 've had numerous problems with the car.I have poured at least XXXX into the car for repairs.. I have received harrassing calls, sometimes up to eight calls a day ; When I called to discuss my payments with the representatives they were rude, condescending, and talked over me while in conversation about the details of the car. I have often been threatened to make a payment often leaving my family in difficult situations concerning their basic needs being met. After speaking with one of the representatives she forgot to hang the phone up and I heard her laughing about me struggling to pay {$100.00} that week. She laughed and said, " It is on a XXXX XXXX XXXX ''. Another representative was heard giving her information about what they planned to do with the account and the that the value of the car had been payed off already. In talking to representatives about the account, I would get conflicting information concerning the status of my account. When I made XXXX aware of the problems concerning the condition of the car they said " It is the normal wear and tear of a used vehicle ''. I only drive the car back and forth from work and locally. My fear is that I would be stranded if I were to travel a out of state. It 's getting worse because there is now no workable heating system in the car and we are in the cold weather months. The defogger blows cold air therefore on cold days it is impossible to have a clear view in order to drive. I have been told that there is still a remaining balance of $ XXXX on the vehicle that has to be made by XX/XX/XXXX or the car will be repossessed and will charge off. I have been late with payments because of having to certain income struggles in my family but always continue to make some type of payment. I was sold a lemon of a car, and this is affecting my credit and the opportunity to purchase another more reliable and safer car to drive. Since I have already paid the car off, I want protection from having it repossessed.

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.

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 2015-06-04
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Paypal credit advertises a scheme where no payments need to be made for 6 months. However, interest charges are accrued over that period and charged if a complete payment is not made at the end of 6 months. Due to this scheme I just missed XXXX payment but was charged the full deferred interest for 6 months XXXX like missing XXXX payments XXXX. I believe there should be sufficient information about the interest that will be charged XXXX dollar amount ) in such a last statement should a payment be missed. Basically, I was charged this fee just for missing to read XXXX email. It would also bode well for credit companies to make some exceptions on the fees when a genuine mistake was made in making a payment. Consumers would gladly pay interest/fees where it 's clearly agreed upon. 

I believe the company is preying on consumers by giving them a " free pass '' for 6 months only to charge them the whole fee hoping they miss XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call on XX/XX/2022 from XXXX. There was no caller ID info other than " location unknown. '' Caller left the following voicemail message : " Hi, This is XXXX XXXX calling from Wakefield and Associates. Please contact me or any of our representatives at XXXX. '' The voicemail did not include any information about who they were trying to contact. 

I hit redial on the incoming number ( XXXX ) but did not get the name of the person who answered. Before a real person picked up, a recording stated, " This is an attempt to collect a debt. '' I did not provide my name or any other identifiable information. I stated XXXX ( XXXX ) times to " remove this number from your call list '' and then hung up and blocked the incoming number. 

This is the second ( XXXX ) contact from Wakefield and Associates. The first was a text message around the end of XXXX or first of XXXX. In the preview of the text message that could be seen without opening the entire message, there was no information about who they were trying to reach. It just said " Please contact Wakefield and Associates. '' I deleted the text without opening or responding. 

I do not have any delinquent or unpaid debt so there is no reason for a debt collector to contact me. Also, I have had my phone number for approximately XXXX ( XXXX ) years so it is unlikely that they are trying to contact someone who may have had this number before me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So I called to pay this collection of {$38.00} off, because I received the last letter stating just that, the lady on the phone stated it is now out of statute of limitations, I also said the coming is no longer a company theres nowhere to pay them. She then told me that it wasnt {$38.00} anymore is was {$42.00}. On my credit report it states collections XXXX XXXX XXXX/XXXX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Through the use of a credit monitoring service, I discovered that AllianceOne Receivables Management , Inc. was reporting a debt in the amount of {$690.00}. I filled out a form on their website to attempt to resolve the issue. A Compliance Officer replied, and after speaking to her on the phone I was able to obtain an account number and a phone number to call. I called that number, repeatedly, over two weeks. I left messages clearly stating my name and the account number I was given. I finally reached them and the representative was unable to locate my account. I was given another number to call and received the same result. Again, I was given another number to call and my account was unable to be located. I now have a fourth number to call and have left a message. I am trying to be proactive and resolve this debt, but this company is making this process impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 Kohl 's for Kohl 's credit card.One at the time I apply I had a XXXX credit score that what they require to get approved.Two they violated and discriminate against under the consumer financial protection bureau law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$11000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am w riting to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX LEASING with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
On XXXX/XXXX/15, I accepted an invitation on an interstitial screen of my paypal account to apply for paypal credit, dba billmelater.com. I completed the online application quickly and the next screen said I would have an instantaneous decision. I was rejected for credit w/no explanation. 

I have a FICO score of XXXX and am a person of wealth. I found the company 's credit decision shocking. I phoned their call center and was told I would receive an e-mail explaining why I was rejected and that it would be send to the e-mail address on file for my paypal acct. 

I have never recd an communication from this company about this or anything else. 

This violates Federal banking and credit laws. If my credit has been compromised or damaged as a result, I need to file charges against paypal credit, but I can not do so w/out a full explanation of their decision. 

If this has happened to me, I have to conclude it has happened to many others. You need to investigate them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tried making our current payment online as we have done in the last XXXX months, our account was locked and flagged, they would not explain why, would not accept phone payment or any other, told us they could not accept any payment from us, we have never been late, also every rep, told us a different story, we just wan na make our payment, have not missed a payment going on XXXX years now, Please Help, there are alot of complaints against this company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ARS Account Resolution Services has ignored my written letters now on 2 separate occasions. They keep sending me a letter stating they have confirmed the outstanding balance of {$1400.00} but have failed to provide the proper physical documentation to validate the debt. XXXX can not provide the original source document according to a phone call with them today. Also even though ARS may not be guilty of breaking federal law HIPAA the medical facility is because I do not have an recollection of signing a waiver stating they could share any of my personal information with anyone other than me. Unless they have this on file the information that they turned over to you is in violation of HIPAA. There are bylaws in place in both the FDCRA and the FCRA that states that if you are going to try to collect on a debt you must have on file the original source document showing my signature. Without it this service or debt can not be validated. Electronic Communication simply saying you have confirmed the debt is not compliant within the law. At this point since I have tried by writing twice now, I am going to ask that you immediately send me the physical documents showing my signature validating that this debt is mine or cease with all collection activity immediately. You are to also send notification to all 3 bureaus removing any collection accounts from all 3 bureaus. If this is not done I will be forced to file compliants with all state and local agencies that you answer to as well as filing a compliant with the State Attorney Generals office asking for a full investigation into your collection practices. You as of this submission have 5 days to answer, comply and supply the proper notification that I have requested. The following accounts are being listed against me and can not be verified properly. 

1. XXXX XXXX. XXXX XXXX. 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 2022-08-18
Company: Cash Time Title Loans, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have already paid my loan with Cash Time as of XX/XX/2020 yet I noticed that theyre still calling me and they tried to debt my debit card again. I have a receipt showing my balance is XXXX but I got an alert this morning that XXXX XXXX there was an attempted debit for {$39.00} and then yesterday they called me again. So Cash Time was pretty convenient to get a loan but their collection practice is pretty bad even if youre a day late theyll call and harass and email over and over again. But like I mentioned this loans already paid off so they have no reason to be calling and no reason to be trying to debit my checking account again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I havent Been to XXXX XXXX emergency in XXXX Verified by calling Billing Department on XX/XX/XXXX at XXXX My Account Balance with them is {$0.00} I have disputed Ability Recovery Service Company Several times. : XXXX XXXX. XX/XX/XXXX. {$760.00} amount is Not Mine. It is Preventing me from getting a mortgage loan. Please Remove or post to my account for Detailed Reason for Collection Amount inaccuracy XX/XX/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 2022-02-25
Company: FREEDOM FINANCIAL NETWORK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2017-08-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated in XXXX of 2015 with a {$32000.00} loan. I 've been paying {$400.00} a month for the last 2 years and my balance is still {$30000.00}. How is it that I payed more than {$9600.00} thus far and my balance only went down a couple of thousand??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The servicing of my loan ( XXXX XXXX ) was transferred from XXXX XXXX ( loan # XXXX ) to Loan Care Servicing ( loan # XXXX ) XX/XX/2016. I made my scheduled XX/XX/2016 payment to XXXX mortgage on time but my new servicer ( loan Care ) is not giving me credit, they claim the payment has not been forwarded as required. XXXX XXXX claims it was sent 2 business days after receiving my XX/XX/XXXX payment. I am now receiving threatening letters and loss mitigation threats to perform by Loan Care. I have contacted both companies and each has not helped, my credit is now in jeopardy even though I have made all payments on time. I am being coerced into making additional payments that are not due to avoid damaging my credit. A 30 day late mortgage payment would have lasting consequences to my credit and cause serious financial damage.

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