BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debit in question was paid directly to XXXX XXXX in the amount of {$730.00}. XXXX XXXX advised me that they will advise Caine & Weiner that the debit was paid in full and that they will have to remove their information from all applicable credit reporting agencies. Called Caine & Weiner on XX/XX/22 and was advised that they are not required to remove the debit from the agencies. I called back and spoke to another person and was advised that they will remove the information however they only report to the agencies on the 15th of every month and will sent info to the applicable agencies to remove the info. I called Caine and Weiner today and was advised something totally different XXXX XXXX that the cases are sent to the agencies at the end of the month. Caine & Weiner is dragging their feet and need to remove the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Sarma
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am trying to work out an arrangement with Sarma Collections so that I can get them off my credit report. I have tried calling them and nobody calls me back or answers the phone. A women answers but says she needs to transfer me to collections and transfers me to a line that nobody answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Amsher Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I found a {$3000.00} collection notice on my credit report, but it is not mine as I have never had a XXXX account. I notified Amsher on XXXX XXXX, 2016 through their website, but I did not receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for a XXXX membership and the XXXX employee suggested that I apply for a Citi credit card.I applied and was denied went on the Citi web site and was unable to find out why I was denied.Also was never able to reach their customer service phone line to get an answer.Later I found out that it was do a collection action which is an illegal transaction.I have filed a CFPB complaint on both the debtor and the collection agency.Filed a dispute letter with XXXX XXXX XXXX investigate the complaint and removed the collection action from 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 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
ON XXXX XXXX bank of America 's collection and recover dept. illegally try to fund an account of mine that was over drawn .... they issued a claim on a transaction I did XXXX XXXX, the claim was initiated by the collection and recover dept.., because my main checking account was over drawn XXXX dollars for XXXX daysThey wanted to bring it balance above XXXX, so they founds XXXX payment I made to XXXX XXXX bank on XXXX XXXX 2015 and claimed that I did not authorize that charge to XXXX XXXX bank XXXX which was a lie and a false hood ) I did authorize that transaction and never gave the bank permission to initiate a claim on my behalf!! 
It was done fraudulently and without my permission!! The claims dept. initiated an arbitration letter to XXXX bank and XXXX bank sent the XXXX back to bank of America XXXX 
I caught the fraud when I received a call from XXXX XXXX bank, they stated I was XXXX over limit!!! 
I made several calls to bank of America and XXXX bank after several threats of litigation and they final sent back the money to XXXX bank XX/XX/XXXX XXXX I believe my right were violated and I want an investigation done, I also obtained a lawyer to file suit against the bank of America for damages .. I would like the parties involve prosecuted to the full extent of the law and the bank responsible for these crimesI XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
At TD Bank I cancelled my debit card since there were unauthorized charges, after the card was cancelled the bank allowed charges to be taken from my account. I went to the bank to close my account and the bank personnel said do not close the account just cancel the card so I did. They refuse to dispute the claim stating that the charge was valid without any documentation. THIS WAS AN UNAUTHORIZED CHARGE THAT THEY REFUSE TO DISPUTE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2021 When going through the XXXX website to the Equifax website, Equifax asks questions where all the answers are " None of the above '' and then notifies me " Based on the information provided, we are unable to verify your identity. '' This happened to me and my wife every time we tried the site ( Twice for me, once for my wife. ) I called Equifax. After a long hold, I was able to talk to a human who was no help and did not seem to care. I asked to speak to her supervisor. After another hold, I told the gentleman that I wanted to inform them that their website had problems. I was not mean or harsh at all. The call went to a recording in XXXX and started asking me to go through a phone menu again. 

Obviously, the Equifax website can not verify who we are when it does not ask any relevant question whatsoever. Seems like they do not want to allow credit reports. Either that or they have a lot of wrong information that they will not let me see. 

By the way, XXXX and XXXX sites seemed to work fine and provided the credit reports which appeared correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2022-07-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Fifth Third Bank through published and non published process and procedures, has consistently not processed mailed in mortgage and other payments in a timely and professional manner. Recently I have had payments lost even though others mailed same day reached their destinations This is in order to have clients incur late payments fees and penalties which unfairly adds to company profits thereby allowing management to incur increased bonuses. 

This unfairly impacts shareholders as well. 

This client has dealt with this since Fifth Third took over my loan processing. 
There may be many others, perhaps thousands impacted by these processes. 

I request CFPB to investigate to see if this practice is an embedded company trait designed to reap unfair fees and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America has been trying to collect on a credit card debt that is over 10 years old. It was a debt that I could not pay at the time due to financial hardship. They have sold this debt to various agencies in an attempt to collect this debt. If I am correct this is against FDCPA rules and regulations. My current issue is that B of A has sold this debt to XXXX XXXX XXXX and XXXX XXXX XXXX at the same time, thereby causing harm to my credit ratings at a time when I have been paying my student loans. After I explained this to XXXX companies I received a letter from XXXX on XXXX/XXXX/15 and MCM on XXXX/XXXX/15 informing me that they will not pursue this issue any longer. My concern is that B of A will continue down this pass until someone puts a stop to this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: IL
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 719XXXX 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 heck 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 us 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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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 2019-12-17
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AARGON AGENCY INC is attempting to collect a Debt on behalf of XXXX XXXX XXXX on an incorrect balance. This claim was first opened/posted XX/XX/2016 for the amount of {$420.00}. I am contesting these charges because I believe these to be fraudulent, at that time I was covered under my Fathers insurance and any amount that needed payment would have been covered under insurance. I do not recall going to XXXX XXXX to receive any medical treatment, if I were to go to any Doctor, it would have been our primary physician at the time. Attached is the insurance that I was under at that time.

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 2015-03-25
Company: ESCALLATE, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I called to ask about the account that I saw in collections and informed the company that they had the wrong address. I never received the bill. I did n't know what it was. I asked to have a bill sent to me so I could review it. I was told that if I did n't pay immediately it would stay on my report no matter what. I ended up paying for it and I 'm not sure if it was my debt. They would n't give me the doctors name or anything. When I contacted the original creditor they did n't have my information. No social security numbers nothing. I 'm not sure who I gave my credit card information to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received the Way2Go Card in the mail to access my UI benefits. The brochure states that customer service is available 24/7 and it lists services available to me. One of those services is 'Fund Transfer ' ; However, when I call the toll number provided, it does not give that option. I have pressed every option to find any information on fund transfers, only to come up empty handed. I logged into the Way2Go Program website, but this website is poorly constructed and I did not find any answers nor any help with my question. I searched online for more information on how to handle this, only to find many others who are also having this problem with being unable to transfer funds to their bank accounts, and not being able to speak with a customer service rep ( because there is no option to speak with a rep ). Apparently, this was an option at one time, but they have since removed this option. I would withdraw the money from an ATM, but according to other people who have tried this, they were met with many challenges and fees. The brochure states that the ATM withdrawal limit is {$500.00}, but reading the comments suggests that this is not the case, it is only {$300.00}. I feel the Way2Go Program has given me false information in their mailer and their website, and they are trying to force me to use this card instead of my personal banking institution that I have a rapport with. I need answers and for the Way2Go Program to respond and provide the option to transfer funds to our personal banking institution like they promised via the brochure. The fact that a company who has been selected to handle millions of American 's money refuses to have a customer service line is beyond me. Further more, it seems to be a scam by them forcing people to use this card and tacking on all these additional fees unnecessarily. At a time when the world has so many uncertainties and so many hard working people are doing their best to stay afloat, it is disheartening that the Way2Go Program is trying to capitalize on tax dollars and scam honest people out of their benefits they are using to pay their rent, feed their families, etc. This is certainly not the way to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am not happy with Green Tree. We have a loan and have paid it perfect. For the last ten years we paid them through our bill pay at our bank. Now, for the payoff and last payment they will not take that method of payment. Their response is " You HAVE to send a wire transfer or check by mail. '' I 'm XXXX and it 's difficult for me to go to the bank. They say it 's because the payment needs to be transferred through a different location. I tell them that 's their problem as it 's internal. I want to make my payment in good faith. They refuse my payment and give me no help at all. I use my bill pay or my debit to pay them usually.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Citibank closed all of my XXXX credit cards without any reason and without any warning. 
They also confiscated all my Citi Thank You Points earned with these cards. 
I have not violated any rules and I do not see any reason why my cards could be closed and points confiscated. 
It looks like confiscating my points was the only reason for doing that. 
I have paid {$95.00} annual fee for XXXX cards each and {$350.00} annual fee for another card! 
I believe it is not legal and all my points should be reinstated and annual fees refunded.

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

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 2015-06-26
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I KNOW THAT THESE PEOPLE HAVE THEWRONG PERSON BECAUSE THIS IS NOT MY DEBT AND SO THEY SHOULD NOT BE CALLING BE BECAUSE I HAVE SENT LETTERS STATING THAT THEY NEED TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This COMPLAINT is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation