BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have expressed several times my discomfort with the company that manages apple card because they do not solve the problem of underregistration that causes a decrease in me. credit report, after insisting several times to solve the problem generated by themselves due to an improper charge they made for the amount of XXXX dollars and without authorization they returned that money to my account, money that was not mine because in my account only had XXXX dollars, money that belonged to the bank and that XXXX bank paid virtually, in the following days XXXX bank returned that money so that my account can remain in the real balance, months have passed and my apple card account continues to reflect a value that was not the real one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Experian Information Solutions Inc.
State: ND
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:
The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/XXXX. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

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 2019-07-20
Company: EQUIFAX, INC.
State: ND
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:
The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions 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 {$12000.00}, {$15000.00}, {$8600.00}. 
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 writing to request the method of verification for dispute initiated on XX/XX/2020 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. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.

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 2019-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I defaulted on a {$1000.00} XXXX XXXX credit card in XX/XX/XXXX ( over 12 years ago ). The debt does not show on my credit report. It was discharged. A company called portfolio recovery associates LLC somehow got my number in XXXX. They have called me from various numbers approximately 1500 times in 3 years. They claim the debt is {$4000.00}. 
Even tho the debt is discharged and doesn't show on any of my credit reports they continue to call and say the debt is " collectable ''. I've also received letters from them over & over concerning this. I've actually considered changing my phone number ( which I've had for 8 years ) because of the constant harrassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: NC
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:
Equifax announced a cybersecurity incident one of the largest in history about unauthorized data access that occurred from mid XX/XX/XXXX to XX/XX/XXXX. The data breach was discovered by Equifax on XX/XX/XXXX. My data during that time frame from mid XX/XX/XXXX to XX/XX/XXXX was part of that breach. This put me at great risk and should not have happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted Wells Fargo to refinance my home Mortgage in California. I have paid my Mortgage on time for many years. Went through the application process and submitted my 2018 tax returns. Was a struggle communicating with a Home Mortgage Representative weeks went by before a returned e-mail or phone was done. My application was denied because of my income. I feel I am being discriminated against because ( 1 ) I am a Woman ( 2 ) I am XXXX XXXX. I offered to submit my Bank Statements to validate my income and told the Representative I had no problems paying my Mortgage during Covid 19. Please Help me I should be able to refinance at a lower rate without any issues.

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 2022-05-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened an American Express business platinum card in XX/XX/2021 and I have met the minimal spending within 92 days of card opening to get the rewards but my rewards points have been clawed back due to a return ; however ; when I called AMEX ; they told me as far as i can make up the spending before the deadline ; the rewards points will be reinstated. So I spend another $ XXXX But I did not get the points back even I have met all elements to be rewarded. I have read the terms and conditions of the rewards program. But I did not violate any of these.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
FRAUD SECOND ACCOUNT AT WELLS FARGO!!!! OPENED XXXX XXXX XXXX # XXXX as per attached credit report from XXXX credit agency PAYMENTS NOt DEDUCTED FROM MY BALANCE of # XXXX ACCOUNT OPENED XXXX XXXX FOR my XXXX XXXX. 
I have emailed wells Fargo board of communications attention XXXX numerous times. 
I have called XXXX at Wfds XXXX # customer service numerous times. I have sent a certified letter to .XXXX XXXX in California . 
I need the details of how this second fraud account recorded on my credit occurred and details of payments to the # XXXX account and the hard inquiry XXXX XXXX XXXX asap. Wells Fargo denied via their XXXX letter that thiis happened appeal to the cfpb to place sanction against Wells Fargo for false 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 explanation
Consumer complaint received 2017-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XX/XX/XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XX/XX/XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, XXXX to XXXX XXXX in XX/XX/XXXX. I have NEVER attended ANY schools in XXXX period. 

XX/XX/XXXX, My Mom received a notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: MN
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:
I have sent both a police report and evidence of identity theft from the state of wisconsin, to experian, and they still will not remove XXXX XXXX XXXX XXXX account opened on XX/XX/2017. It is account that is inaccurate on 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 2022-05-03
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Financial Credit Network : Account number XXXX I have disputed this account, I never received validation of this debt, I never lived at the address where debt incurred, I have disputed with collection agency asking for my signed original contract or copy of my drivers license, they can not provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On  XXXX / XXXX / 17  a deposit was made for  XXXX . The deposit is made monthly to cover the BBT mortgage. No notification at the time of deposit was received at the  XXXX   XXXX  on  XXXX   XXXX  indicating that the funds would be held due to an old computer system being used. I did not notice until later when looking at my online account that the funds were being held. This deposit always clears during the nightly cycle. As such all transactions during that time frame caused the account to be overdrawn. The account experienced overdrafts of {$180.00}, {$36.00}, {$100.00}, and {$140.00} totaling {$460.00}. When I spoke with the branch I was told by the rep  XXXX  that they consider these held funds when taking the fund off hold. meanwhile, the funds had been withdrawn from my husbands account on  XXXX . This allows the money to be available t o BBT yet  not in my account. Additionally they now earned Overdraft fees by not releasing the funds for a week when they had them on  XXXX . I called to ask that the OD fees be reversed and they said they would only give  XXXX  dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Blackrock Mitigation Group LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received notice of civil lawsuit notification from Blackrock XXXX XXXX file # XXXX, on XX/XX/2022. On XXXX XXXX I responded with debt validation request, also see attached documents

Company response to consumer: Untimely response
Consumer complaint received 2019-11-21
Company: Hewitt-Capital
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received notification that Hewitt Capital has been contacting my place of employment. I reached out the XXXX of Hewitt Capital on XX/XX/2019 at XXXX and notified him that he could not call my place of employment, because my job forbids these types of personal calls. XXXX stated that he was aware of this. We lost communication due to my cellular phone battery dying. I received another notification from my employer that XXXX contacted my job at XXXX XXXX after I told him that my job forbids it. I charged my phone and returned XXXX 's call and I stated to him again that he could not call my place of employment again. He became offensive and stated " I don't know who you are, I don't know who you are ... are you going to verify your information '' after he pulled my file up without a file number. My place of employment forbids this and now I am at risk of losing my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Action Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint here back in 2018 and addressed 3 different collection agencies who were violating the fair debt collection practices and had negative results. Only 1 company responded with incorrect information and the case was closed. 
Further research showed that XXXX XXXX, XXXX XXXX  and action professionals have been incorrectly reporting my debt information for years and also repeatedly reporting the same date frequent enough to make the debts appear recent even though they were 4 or more years old. 
My complaint was not sufficiently handled and the debt collectors are still harassing me and ruining my chances at fixing my credit. I'm the consumer here, where's the fairness and justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CFPB APPEAL REGARDING XXXX XXXX FROM Bank of America regulatory home loans division LETTER dated XX/XX/XXXX. Mr XXXX XXXX provided FALSE Ilformation to the cfpb regarding my loans lines if credit credit inquiries loan apps ( I will address all seperatelt ) recorded but not necessary valid. 
Bank of America denies a recorded loan # XXXX as per Mr XXXX XX/XX/XXXX letter. 
Attached is my XX/XX/XXXX XXXX credit report with the loan # XXXX recorded and documented that bank of America placed on my personal credit but denies it. 
BUT RECORDED ON XX/XX/XXXX XXXX  credit report it states # XXXX as BAC   LOAN but then XXXX ( as per attached screenshot from their XXXX XXXX report ) changed it to read as loan # XXXX as bank of America at XXXX in XX/XX/XXXX as per XXXX letter to me. 
MY PAID FAX # XXXX boa can send me the info anytime.

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 2021-07-13
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal Limited/closed my account for no reason AGAIN! they have already done this 3 times this month and it is severly effecting my business. And will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was unemployed for 3 months and borrowed money from family to pay the overdue car loan. Then suddenly my car was repoed after i made the payment claiming the funds were somehow reversed from XX/XX/XXXX to XX/XX/XXXX when the car was taken. I immediately made the payment of {$2600.00} to reinstate the loan. They towed the car to a city 160 miles away the day AFTER i paid the loan in the WF branch with CASH.

I can't get to the car. It's still sitting at the auction lot and Wells Fargo said they would only pay to transport it back if it's 200 miles away or more.

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 2021-10-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I experienced problems paying my mortgage.. My Lender SPS offered a trial modification. I paid the modification for over 10 months and we never received a permanent modification, but instead the modification was removed due to, lender not receiving requested documentation? I have spoken to lender recently, and now have placed me into foreclosure.. I am compelledto seek help from the CFPB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
See below My fax XXXX Solution recommended Sanctions on boa Monetary loss relief for myself from boa. 
I need info on nc teller details of transaction and signature and video of person doing transaction And I am still waiting for signature cards from XXXX for my solely owned XXXX ( as per our telephone call on late XX/XX/XXXX ) and bank location where account was opened and all signatures and cards issued to XXXX. 
As per XXXX intense fraud investigation of my boa accounts thru my complaints with the cfpb XXXX XXXX XXXX XXXX states in her XX/XX/XXXX to the consumer financial protection bureau that there were only 2 cards issued on my XXXX boa account # XXXX. Issued in XXXX temporarily And XXXX in late XX/XX/XXXX thru present BUT AS PER ATTACHED BoA XXXX ACCOUNT on XXXX XXXX XXXX there is a boa entry of # # # # # # # replacement atm debit card fee of {$5.00}. ON 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 2021-10-12
Company: NFM, INC
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX XXXX, entered into a consumer credit transaction with NFM Lending on XX/XX/2020 in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but NFM Lending accepted cash. The finance charge is suppose to include insurance, but NFM Lending made me pay for insurance separately. 

NFM Lending went on to send XXXX XXXX XXXX multiple postcards in regards to buying insurance from an NFM affiliated company, which is in violation of 15 USC 1692 ( b ) ( 4 ) ( See exhibit B and C ). NFM went on to break numerous more violations in respect to 15 USC 1692 and has not responded to the affidavit of truth, cease and desist, and debt validation letter that was sent to them via certified mail ( Please see attachments ). 

NFM Inc is continually sending me debt collection letters and furnishing false information to consumer reporting agencies, which is in violation of 15 USC 1692 ( J ) ( a ).

Company response to consumer: Closed with explanation