BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. Bank of America Mortgage begin a modification process on my XXXX and XXXX mortgage at the same time XX/XX/XXXX. After complying with the terms and paying the trial modification my XXXX was modified permanantly in XXXX but my XXXX was not. I constantly asked Bank of America the status, they said it was still working, I continued to pay the trial payment, then XX/XX/XXXX I got another notification that my XXXX mortgage was under trial modification, Again I continued to pay it on time and XX/XX/XXXX the XXXX became permanant, almost 1 year later. Bank of America reports that I was 120 days late and that I was late on my XXXX mortgage since the trial began. They corrected this on the XXXX mortgage but not on the XXXX. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the XXXX mortage took so long. But with the XXXX, Bank of America Reported that I was on time from the start of the XXXX XXXX. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my XXXX mortgage from XX/XX/XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to Bank of America and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-03-12
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an HSA account with the Bank of New York Mellon. They have failed to disburse any funds from that account for the last 6+ months. Their checks have not worked on multiple tries at my pharmacy. Their credit card has not worked on multiple tries at multiple pharmacies. They have failed to send me a new credit card. On the last occasion, after claiming my direct deposit transaction was 'completed ', they failed to actually deposit the funds into my account. This caused the last check I wrote to bounce by a ~ {$3.00}. And of course, they charged me {$25.00} for this. This check was an attempt to rollover the funds into a new HSA account since they have failed to provide services to me. 
At a minimum, I would call their failure to disburse my money a lack of good faith. But judging from their timing in not depositing funds while at the same time 'trying ' to cash a check, I suspect deceptive practices. I was also told on the phone that if I close my account, they will continue to charge me monthly fees. The person I talked to also refused to pass my call to a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-18
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a Cashapp card in the mail with my name on it, a card number, expiration date and CVV code. I was shocked because I have neither downloaded the app, no or used it nor ordered this card. The card came wit no cover letter or any kind of explanation of why it was sent to me. It only instructed me to download the app and scan the QR code to activate the card. I did not do that. 

When I looked up the company online, I was shocked to discover that there is no customer support or fraud telephone number- only an email address. So I emailed the company advising them that I did not request the card nor do I use CashApp and that I immediately wanted them to cancel the card and report it as fraud. 

I received an immediate response that they were looking into the matter and would get back with me soon. I did not hear from them that day. So I called my bank to inquire if there had been any Cashapp transactions that they could see. Sure enough in XX/XX/XXXX, they informed me that over {$700.00} worth of transactions were attempted against my bank debit card but my bank-XXXX XXXX declined the charges. XXXX XXXX said that the charges originated out of California. And one if the charges was attempted by a person named XXXX XXXX. I do not know a person by this name and certainly have never and will never authorize anyone to open a card on my name. 

Today, someone from Cashapp named XXXX emailed me back and asked me to follow a link and provid the CashApp card information so that she could cancel the card. I told her that I needed a phone call and would not provide any card information via link not access a link. She refused to call or make appropriate accommodations to verify her identity. I offered my phone number and zip code so that she could look it up. However, she said that for security reasons, she could not confirm any account information. 

I did cancel my debit card to which the CashApp card is linked but do not want this CashApp card in my name to remain active. Could you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, five years Ago, I was victim of a identity death, someone stole my informations and applied for different credit card and loans that I was not aware about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
i was trying to remove a security freeze on done with Experian. 
for some reason their web site rejected my request ( even so i was able to do it in XXXX 2015 ) when trying to upload requested document - i was rejected as well. 
there is no way to contact with Experian and get someone to talk with me on the phone and solve the issue, their system is not enable fixing issues like the above which cause consumer to lose financial opportunists

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My mother had a checking account and two savings accounts with Bank of America. When she died, my brother informed the bank and provided a copy of the death certificate. Each account had a payable on death beneficiary. The bank 's initial response to my brother ( who had held power of attorney prior to my mother 's death ), was that they would " reach out to each of the beneficiaries. When none of us received any word from B of A, my brother again inquired and was told we needed to provide court documents that are unnecessary, as all my mother 's assets were available as non-probate transfer. I went to a local B of A banking center, where, after an hour and a phone call by the associate to corporate that was transferred from one person to another, I was finally given forms that needed to be completed, notarized, and returned to the bank. When I returned my form today, a different associate indicated that what I had been given was not the complete form, but did not indicate what was missing. She also insisted that my brother her call her ( my brother lives in XXXX, while I am in XXXX of which my mother was also a resident ), but refused to say why he needed to call. When he called, he could not speak to her and left his phone number, but did not receive a return call. We are very frustrated with the length of time it is taking to close out these accounts and access the funds, which we need to pay my mother 's final expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/XXXX, we traded our XXXX Dodge Durango to a dealership. After the payoff funds were sent to Santander Consumer USA, they refused to release the title to the dealership. The Dealership could not resell the vehicle and then Santander went and took possession of the XXXX Dodge Durango from the Dealership. Now they are trying to collect money from me, claiming it is the balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I called Navient on XXXX/XXXX/2016 to put my private student signature loans on forbearance because of unemployment and was told to call on XXXX/XXXX/2016 - five days after the due date for the student XXXX loans. I called today ( XXXX/XXXX/2016 ) and the woman who first helped me put me on hold and the call was dropped after 5 minutes. I call back and got a man who said my loans were up-to-date and I did n't need to request a forbearance until the XXXX. I told him that I wanted to do it because it 's pass the due date and I see payments were coming due. Then all of a sudden, the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Reliable Credit Association, Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reliable credit ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Radius Global Solutions has reported an account or XXXX XXXX  in the amount of {$870.00} on my credit report. This is false information this is not an amount that I owe. My final bill with XXXX was {$78.00} which was paid! I also returned all of their equipment. XXXX has asked me to ask Radius to sent the account back to them so that they can adjust the amount and Radius has refused to do so. This is very unethical and wrong. I need this corrected,

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 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
account was paid in good standing XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms M XXXXM Date Opened XXXX/XXXX/XXXX Account Status - Payment Status Late Payment Status Details Bad debt & placed for collection & skip Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance {$13000.00} Monthly Payment {$320.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Account Original Creditor - Company Sold-to - Original Amount - Comments CHARGED OFF ACCOUNT Payment History

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 2020-06-16
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The Options provided when making an overpayment are " No, advance my due date by the number of payments I cover '' or " Yes, Bill me for my future monthly payment ''. I wanted to make sure that my overpayment was applied to the principal of the loans I specified, but neither option made it clear how the overpayment would be handled. 

The first option about advancing the due date has an added line that " continuing to make payments will reduce your total cost of borrowing '' which in my opinion has been added to direct more people to click the first option. 

I called Navient XX/XX/2020 and spoke with a representative who did not seem aware of the options and implied that selecting the first option to advance the payments would also apply overpayments to the principal. She escalated the call to a supervisor who explained that the second option " Yes, bill me for my full monthly payment '' meant to apply the overpayment to the principal. I explained that this seemed intentionally misleading and that I would be filing a complaint. I was then transferred again to a special escalation team who said they would document and share my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This agency is attempting to collect a debt from me for a debt I do not owe, but more troubling is the fact that this agency in not licensed by the Arkansas State Board of Collections to conduct the business of a collection agency within the state of Arkansas. 

This agency is communicating with me, while not being licensed, via my credit reports. 

XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is one of the most commonly-used arrows in the debt collector 's quiver '' ) ). 

This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act, The Arkansas Collection Agency Act, and the Arkansas Deceptive Trade Practices Act. 

This agency also did not send me my right to dispute this debt, prior to entering this debt on my credit reports, which I do not owe. 

I can only assume that because they are not licensed to collect in my state, they incorrectly thought they could violate my rights by only reporting to my credit. 

This agency has violated numerous provisions of the FDCPA and Arkansas State Law, and should be brought to justice by your agency. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX continues to submit accounts that are not on Mater promissory note for dates I was not in school.

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 2020-06-16
Company: EQUIFAX, INC.
State: NC
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:
XXXX continues to submit accounts that are not on Mater promissory note for dates I was not in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX would not disclose who they were or who they represented. 
They claimed that a Capital One credit card was opened and not paid. The representative began to become very rude and offensive when I ask who was speaking. He became very abusive and obnoxious, cursing and calling me foul names. Telling me, " You are going to pay me in full or I'm going to throw your XXXX in XXXX, and ruin your XXXX credit! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have several checking accounts with keybank, somehow I got enrolled into the rewards program for all XXXX checking accounts. I called keybank and a gentleman Serviced my accounts he cancelled the rewards programs on all XXXX accounts and said I will receive a refund {$40.00} service fee for each account enrolled, that is should show up in 24 hours it is now several days. I called again and got a run around. I am no longer enrolled in the rewards program but they kept the {$40.00} service charge for the each of the XXXX accounts. the accounts in question is XXXX,XXXX,XXXX. I had planned to close XXXX of the XXXX accounts but I am waiting till this matter is resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
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:
I did realize that all three Credit Report XXXX have several hard inquiries in my credit report that I do not recognize.

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 2020-06-16
Company: PINNACLE RECOVERY, INC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company name is Pinnacle Recovery. The latest call came through XX/XX/XXXX at XXXX and again at XXXX. The robo call comes from XXXX and says to call XXXX. 
The company is calling repeatedly trying to reach XXXX XXXX for a debt that she apparently owes. This person does not live here. 
My husband and I have had the phone number since XXXX and no XXXX has ever been associated with our number. I called the number and told them to stop calling as the person has never lived here.

Company response to consumer: Closed with explanation