BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a repossession from Wells Fargo dealer services occur. They not only didn't give me the letter to buy the vehicle back. They were reporting late when I wasn't. Refused to give me an itemized statement to cross reference with my receipts. They added on to my loan. Sold the vehicle at auction but didn't put that amount on the loan and then ruined my credit when the loan was paid after the auction. I have tried numerous times with no luck. 

I have already reported to XXXX and XXXX and they removed the debt and made it so wells fargo can not report anymore. I am asking Wells Fargo to remove from XXXX and stop stealing from people with deceitful practices.

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 2021-06-23
Company: EQUIFAX, INC.
State: NY
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:
Iam a federally protected consumer. I sent letters excising my rights. Pursuant to 15 usc 1681b any reporting agency ( Equifax, XXXX  and XXXX  ) may furnish a consumer report in accordance to the written instruction of the consumer. I have never been given the option to opt out nor gave any written consent. NO CONSENT IS IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am victim of identity theft. Someone unknown to me used my personal information to obtain goods and services fraudulently. I did not authorize or have any knowledge of these accounts. I have contacted the mentioned collection company Financial Credit Network who are reporting this fraudulent account on my credit report and they repeatedly verified the account, ignoring my police report, statements and the fact the account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Ditech Financial LLC
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech charged my account {$200.00}, {$250.00} and {$0.00} in XXXX 2015. At this time, my account was current and paid ahead through part of XXXX payment was not yet due. Theses charges have inflated my payments and were added to my payments without my knowledge. They have charged multiple inspection fees while the only charges due were the ones in dispute XXXX attorney fees of {$450.00} incurred when CURRENT ). 
On XXXX XXXX, 2015 at XXXX via tracking number XXXX, Ditech received payment of {$5100.00} which paid through part of XXXX 2015. On XXXX XXXX, Dietch charged these fraudulent fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicer, Ditech, has mailed me XXXX requests for proof of insurance on my home. I have provided this information both to the prior servicers of my mortgage and more recently to Ditech via USPS mail. ( Curiously, Ditech only accepts proof of insurance via fax or USPS, not via email or through their website. ) Ditech 's letter states that they will procure an insurance policy for my home if I do not provide proof of insurance, and that this policy will cost me roughly $ XXXX/year. I have provided them with proof of insurance, and they surely should have received the same from the prior servicer when my mortgage was transferred. This seems transparently careless at best, and intentionally difficult at worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had an unauthorized inquiry into my credit from PayPal Credit. I have since called PayPal Credit to remove the account. It was opened based on a former address. 
XXXX/XXXX/2015 Date of Inquiry : XXXX/XXXX/2015 Business Name : XXXX Address : XXXX XXXX XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, Ability Recovery Service responded stating they sent documents to validate this alleged debt, which was never received. However, Ability Recovery Service still did NOT send me any of the documents that I requested about this alleged debt. The forms they submitted was not validating the debt and because they refuse to send the documents I requested, this account needs to be deleted from all of my consumer reports. 15 US CODE 1692g Validation of debts Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Plain green loans broken fair debt collection practices. And trick me into this loan with unjustifiable interests. They keep sending different amount to transunion credit when I check my credit report falsely accusing me of owing then XXXX and then XXXX this pay day lender slash loan sharks. XXXX. But now sold debt to XXXX, KS XXXX XXXX XXXX XXXX National credit adjusters XXXX XXXX XXXX and to mention this trying to collect a debt through a email. And never have they validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Medical Data Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-06-23
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I wrote to Coinbase asking access to my account after finding the message " account temporarily disabled '' when trying to login into my account. Coinbase Support responded that will contact me, and later they said that it may take 4 to 5 business days to resolve it. After that I have sent three e-mails requesting an explanation and asking to close my account and refund my funds. As of today XX/XX/2021, my account remains disabled and I haven't received answer to my three e-mails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: COMMERCE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Our car was stolen with my wallet in it. It had my debit/credit card. The thief used the card via debit several places before we discovered car gone charging XXXX at several stores. Our bank investigator was hateful and denied charges. We reported it stolen with a few hours. The bank denied us and said they wont give us out money back, None of it. Commerce Bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
they first contacted my tele # for my mother who has passed away and then asked for me. rep nor the manager XXXX could properly explain why they are calling me. yes I am upset because one they are calling for my mother is deceased and then because she wanted to talk quietly she threatens to hang up. they are harassing me on debt that was discharged. they is to be from XXXX XXXX I do not even recognize this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: F.H. Cann & Associates, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a Perkins loan while in XXXX school. I was told that my loan will cancel if I work as a XXXX. I followed the rules, and I have worked for 6 years as a XXXX. I submitted my letter from my employer as evidence, and I was later told that my loan had been sold to a collections agency due to failure to pay. I explained that my loan should be canceled because I followed the rules and have provided evidence that I have worked as a XXXX  I was informed that I am not eligible to cancel because the loan is now in default. I was told to send a message to this link because the terms of my loan was not kept by the original company that managed my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Fake accounts were opened in my name at SunTrust Bank. I called the bank more than once to close the fake accounts. The last phone call was on XX/XX/21. I also wrote a letter on XX/XX/21 to tell the bank to close the accounts. 

SunTrust closed the savings account but not the checking account. I am contacting the CFPB because I am tired of getting the run around from SunTrust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have fr previously submitted a complaint XXXX. The response from Chase bank was n ot what I had wanted. I want a detailed investigation as to photo status of the alleged credit card that I am alleged to have on XX/XX/XXXX am XXXX XX/XX/1994. What yhis did I buy with this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The XXXX XXXX AAdvantage Citi MasterCard long advertised a benefit of covering car rental insurance. To this day a XXXX search of benefits of that card lists rental car insurance coverage. 

See http : /XXXX XXXX XXXX XXXXXXXX/ In fact Citi MasterCard advertises this benefit for all of their MasterCards. http : //www.citibank.com/us/cards/mstr-rntl.htm Because of this benefit people are advised NOT to purchase insurance from rental companies, and use MasterCard instead XXXX 

In XXXX-XXXX was in XXXX on an emergency trip. I rented a car using this card, and was in an accident where a bus hit our car from behind at a stoplight. ( Fortunately no one was injured. ) I called the number for XXXX MasterCard claims, and was informed that XXXX MasterCard had " decided '' two years ago to stop covering this. 

Fortunately the bus company has admitted responsibility and is covering the cost of repairing the car. I will be receiving a full refund from the car rental company. But this could be devastating financially to others involved in accidents while driving rental cars, and believing they were insured by the credit card company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Bank is fraudulently having attorneys XXXX pursue a foreclosure sale on my home when Chase has no interest in my home I have letters stating this but they are still trying to sell my house. The bank and law firm are STEALING MY HOME how does the justice system allow this to happen. They presented fraudulent documents and affirmed documents that were fraud. I have sent letters to the Attorney showing Chase no longer has an interest in the property Chase states they are NOT PROCEEDING WITH THE FORECLOSURE yet the law firm says they are on behalf of Chase. XXXX who was the servicer after Chase also sent me letters and stated that they are NOT PROCEEDING WITH THE FORECLOSURE.Yet this law firm claims to be doing it for Chase and they wont stop until instructed to by Chase who retained them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a Chase Premier Plus Military checking account that has occurred unwarranted overdraft fees. I maintain that I am not responsible for these fees because ; 1. I had opted out of Chase 's overdraft protection service prior to the overdraft occurrences, and, 2. Chase had suspended my ability to log on to my online account and/or complete an account balance inquiry over the telephone. I have contacted Chase Bank several times to request that the fees be credited back to my account. Each of my requests has been denied, therefore I turn to the CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX serviced by XXXX XXXX XXXX  XXXX ending in account number XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
XXXX XXXX has default judgment against me for a GE Care Credit Card debt. I was NOat served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for GE Care Credit I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years GE reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.

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 2021-06-23
Company: Holloway Credit Solutions
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent debt validation letters to the following companies : XXXX XXXX XXXX ( XX/XX/2021 ), Holloway Credit Solutions, LLC ( XX/XX/2021 ), XXXX XXXX XXXX XXXX XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

XXXX : Has not provided proper validation of the debt owing to me Holloway : has not responded XXXX : has not responded XXXX  : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX home phone services indicated that I obtained home phone service from XX/XX/XXXX through XX/XX/XXXX which is untrue. My building is and has always been wired to only XXXX services since the opening of XXXX. I have contacted the XXXX in regards to this matter of this debt collection that is not mine and I provided bills within that time period indicating I have had XXXX   since XX/XX/XXXX and I have also provided ample documentation from my landlord stating XXXX is the only wired service in this building and no other providers are allowed. The end result was that the case was closed on XXXX 's end due to the findings and documents provided on my behalf. Now I receive a different collection of debt letter from another agency, with another amount that is less than the original debt, with the same client account number. I am being harassed after going through this a time before and this is causing a disruption in my life especially when I didn't sign up for any XXXX XXXX  services. XXXX couldn't even verify an installation of services and there was no account or payment activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX Upromise Mastercard recharged my credit card for a transaction that I did not authorize. I disputed the initial charge and never received a response from XXXX, just the recharge. After speaking to a representative, I was informed that the initial dispute was rejected without my knowledge. I have clear e-mail evidence from the merchant that the transaction should never have been charged, however, XXXX still re-charged the fee from the merchant.

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 2021-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In 2019, Chase bank, without reason or my consent, closed all accounts with me the executor of the business name ( s ) aka creditor/consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Bank of America has been reporting late payments on my credit report and the account was sold to XXXX XXXX XX/XX/XXXX it 's been over seven years and also reporting late payments in XX/XX/XXXX and XX/XX/XXXX when I did n't have any accounts with Bank of America. Please, please help me with this

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