BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was a student working full time and going to school so I was just getting by paying bills. I would be charged crazy over draft fees of {$35.00} every time I went over. And by over I mean a {$1.00} at most {$10.00}. They opened a cash rewards with my debit card that I had no clue about until I looked on my app one day and thought it was kind of weird. I had a credit card with them. My limit was {$500.00} and all of a sudden it went up to {$5000.00} in two weeks. I had to pay {$8000.00} because of the interest that would be made on it after using that money. My checks would deposit late. I dont remember dates but I have been out of a lot of money because of all of 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
Consumer complaint received 2023-01-20
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to report identify fraud as, Consumer Adjustment Company Incorporated, reported an incorrect debt on me. 
The account number is XXXX and amount of {$950.00}. 
The debt was placed on my credit report on XXXX XXXX XXXX 
I was told the loan was taken out in XXXX 
I do not take out any loan and this information is incorrect. I dispute these charge. 
I called Consumer Adjustment Company Incorporated today on XX/XX/XXXX and they told Id have to file complaint with you all, FTC, to get issues resolved. 
I spoke with XXXX XXXX, Collections Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Called one of the references on my loan account at XXXX XXXX  central time. And left message regarding my debt. Regional Finance  from XXXX, XXXX calling a reference in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received repeated phone calls late at night or early in the morning. Used abusive and threatening language. Refused to dispute balance. Added fees not associated to the original debt owed. Continued to call me even after I asked to send everything in writing. Initially refused to remove from my credit if I paid it off. They also refused to accept payments I could afford. In the end, I had to pay balances that were over the initial bill and they eventually removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: AZ
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 recently reviewed my credit report and found unauthorized inquiries done ALL the same exact day! 

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

some gave me the run around over the phone because they couldn't find anything so they kept switching me to multiple department and no one could help me figure out why they pulled my credit without my consent, nor could give a proper answer. 

Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete it. 

here are the inquiries to immediately remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX / XX/XX/2023 I also mail certified with return receipt the dispute to the credit bureau Experian who's reporting this wrongfully enclosed a copy

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received two emails from Bank of America. The first says that my application for a new account was received, the second says my account was approved and opened. This is in regards to a Bank of America XXXX XXXX Banking Acct ending in XXXX. I never requested this account. When I called BofA to inquire they sent me to the fraud department. They questioned to make sure I had " no recollection '' of opening the account. I assured them I did not. The BofA associate warned me that " they '' have my social security number and sent me steps to follow regarding identify theft. This was alarming to me and I worried that " they '' could open a credit card or something in my name. I immediately contacted XXXX to alert them about the identity theft and set up increased notifications/ text message alerts in case " they '' opened any other accounts in my name. Then just yesterday the news broke that BofA was opening accounts on behalf of customers in order to meet sales goals. This is RIDICULOUS. They are creating false ALARM in customers in order to meet sales goals? The customer service agent never mentioned that this is happening to other people and not to be alarmed. They made the situation worse by making me concerned about my identity being stolen.

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 2023-03-05
Company: WELLS FARGO & COMPANY
State: TX
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 am tired of WELLS FARGO beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with WELLSFARGO since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from WELLS FARGO claiming that an auto vehicle belongs to me. Paper work documents sent to me from WELL FARGO was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including WELLS FARGO DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have one auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and WELLS FARGO keeps choosing to look the other way and not help me. I was told by an XXXX Fraud Specialist that I should take WELLS FARGO to court. I do not have the money, time, or energy for that to take place. I have 2 XXXX  parents both with XXXX that I can't even afford to put into home health care. WELLS FARGO opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and WELLS FARGO wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including WELLSFARGO DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. WELLSFARGO & CO. is holding me back from living life, liberty and pursuit of happiness.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This complaint is a supplement to Complaint # XXXX that was filed with the CFPB. I do not find the company response to the complaint satisfactory, especially in light of the CFPB 's recent actions against Bank of America 's practices, including, but not limited to employees of BOA opening up accounts in people 's name. It was never satisfactorily explained to me why BOA allows individuals to open up bank accounts using stolen information without requiring verification on teh front end ( as other banks do - like XXXX XXXX ). Of course, I am not privy to their internal information, but I believe that this account opened in my name may be an internal employee fraud that is the subject of the consent order. Again, I have been paying for LifeLine since this incident occured at {$39.00} per month, and I request that BOA reimburse me for these expenses. LifeLine was not needed until my information was stolen and account opened in my name.

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 2023-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates are in the business of buying debt from companies and use their wrongful practices to hurt consumers. They have an account from XXXX XXXX, another crooked company that I awe them {$450.00} Portfolio Recovery has charged me {$2700.00} on this account for what? that is the wrong amount, their fees, attorneys fees, administrative fees. This is an outrageous amount of money that was not owe. As a consumer, I believe on working with them and satisfy the debt, but not with this type of abuse. I need to get the original amount owe to XXXX, without all those staggering fees, I ask kindly to the CFPB to look in to this matter, this is an abuse by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Upgrade, Inc.
State: NY
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:
At XXXX on XX/XX/2023, I spoke with a representative, XXXX XXXX in the collections department at Upgrade , Inc . I agreed to pay off the remaining balance of the loan in the amount of {$830.00} with the explicit conditions that the account would be closed out and that the account would be reported as being no later than 30 days past due to credit reporting agencies ( and under the condition that a {$10.00} late fee be refunded to me after payment cleared ). As of XX/XX/2023, the Upgrade account still shows as open and having a balance of {$300.00} despite my payment posting on XX/XX/XXXX. Additionally, it appears that the Upgrade account was indeed reported as being 60 days late according to my XXXX and XXXX reports. I sent an email to XXXX XXXX XXXX  on XX/XX/XXXX asking the company to confirm that my payment posted and that the account would be closed- they did not provide any useful information. This is a blatant violation of the agreement I made over the phone with the collections representative at the above-specific date and time. I am demanding that Upgrade close the account, rescind the 60 days past due status, and issue a {$10.00} refund as agreed upon when I made the payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made a payment to a 'marketplace ' consumer of {$300.00} through Chase bank 's XXXX XXXX I trusted that Chase would protect my purchases or payments so i used Chase 's payment program. Once I made a payment, it was pending but did not go through immediately. On the same day, my product was not delivered so I realized it was a scam. I called Chase the same day to halt or stop the pending payment, but they could not do so. Once it went through a few days later, I called Chase again to speak with a supervisor only to find out I can not be reimbursed. I asked if they can do a one-time waiver knowing I won't do that ever again. From my experience, all other peer to peer transactions from XXXX, XXXXXXXX XXXX XXXX have protections and many of their customer rights are protected by the Regulation E law, but not XXXX. It is unfortunate I was a victim of both parties, not knowing that Chase XXXX will not reimburse or protect their customers. 

It was until after the phone calls and my reimbursement can not be accepted, I had to research why. I have found out about the issues many customers have with XXXX and that I was now one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. Please see attached 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 2023-01-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had two mortgage accounts with Wells Fargo between XXXX and XXXX. During that time I felt at times they were overcharging me with unwarranted late fees as well as additional fees with the property tax payments, not to mention the high interest rates. It was like I could never make any headway in paying off the debt.

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 2023-01-20
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: Old information reappears or never goes away

Complaint:
They listed my account on my credit reports incorrect, i also paid off my loan early

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 2023-04-23
Company: EQUIFAX, INC.
State: NE
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:
In XXXX of 2022, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees.

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by XXXX XXXX XXXX XXXX. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our Equifax reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does Equifax see fit to keep this illegal record on our credit reports? 

Additionally, XXXX XXXX XXXX claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to XXXX XXXX XXXX and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by XXXX XXXX XXXX. They have failed, at every step of the way. They list the wrong residence company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with Equifax, XXXX, and XXXX. It only remains on our Equifax account, as it was " verified '' by XXXX XXXX XXXX. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX XXXX and XXXX XXXX XXXX for proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My edit card is supposed to decline transactions wher theyre insufficient funds. They keep posting these as negative on my account and then charge me {$35.00} overdraft fees.

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 2015-06-29
Company: C & M Associates Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled the debt in XX/XX/XXXX and since then I have received various phone calls throughout the years claiming I still owe the debt and will be sued. Today I received a call from XXXX who was willing to tell me my social security number, addresses, maiden and married names, and said they 're going to file against me for this very debt. This is not the only company to call me about this over the last 11 years ( the account was originally charged off in XX/XX/XXXX ). I need these harrassing calls to stop. XXXX XXXX XXXX ( the original debt ) confirmed today that it was charged off and sold to XXXX XXXX XXXX in XX/XX/XXXX, and that business is closed. I settled and paid to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and they are also closed. How can I track down what happened with my settlement and make the collections stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Westlake Services, LLC
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: Reporting company used your report improperly

Complaint:
The following errors contained in the consumer reports provided to them by your bureau are causing lenders to take adverse actions against me..

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money goes into account and out of account and back into account. Some days account balance doesn't match spending.

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 2023-03-06
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to an error in automatic payments my mortgage was delinquent for 3 months. Mail to the address was not being delivered because it was being remodeled and the USPS erroneously held my mail without my request to do so. Once my mail was being deivered again I noted the error and made a bulk payment to pay my missed payments. Now that it is on autopay, everything seems to be working. HOWEVER- the mortgage company holds over XXXX in escrow and despite NUMEROUS attempts, they will not mail me a check. Making matters worse, they somehow applied a portion of my escrow balance to my mortgage in the middle of the month without my consent. Now the city is placing a lien on my property and I am unable to speak to a manager at AmeriHome because their representatives are either poorly trained and will not transfer me or they are inept and can not access information on their own system. I feel like they are holding me hostage.

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