BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-25
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
It appears that there are Liabilities on my credit report that do not belong to me. Such as Cavalry Port expenses, XXXX XXXX Card Expenses, XXXX XXXX expenses, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: TransferWise Ltd
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Subject : XXXX XXXX XXXX ; XXXX Claim Ending # XXXX ; Missing XXXX $ in Next Day ACH Transfer. 

I initiated a next day ACH Transfer from my XXXX XXXX XXXX Checking Account on XXXX XX/XX/2021 to TransferWise Business Checking Account but it never got deposited into Recipient 's account. It has not credited back to my account either. 

After further investigation, we noticed the TransferWise account number in the transaction is incorrect and XXXX XXXX XXXX requested for a Recall of the funds. 

It has been almost 30 days now but no update on where the funds are from both the financial institutions ( XXXX XXXX XXXX & TransferWise ). 

I created one claim with XXXX XXXX XXXX ( which was not approved ) that has all the information and multiple tickets to TransferWise on the missing funds but nothing worked till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Hollis Cobb Associates
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a garnishment letter from my employer on XX/XX/2020. I contacted the agency panicking because the amount they are trying to collect is the wrong amount. I spoke with XXXX XXXX, he was no help. Called back again and XXXX spoke with me. She stated that they would verify with the hospital that the debt was paid in full and submit in writing to my employer the correct amount that was to be garnished. She stated that she would call back in 30 minutes. I called her back 3 hours later and she stated that they would have to wait for the information. If youre Patient Accounts like you keep repeating you should have access to this information. I called again on XX/XX/2020 spoke with XXXX again she stated that the attorney was out and to call back around XXXX. I did so. The attorney XXXX stated that it takes 24 hours for the hospital to validated that it was paid. They wont accept any statements from me from the hospital showing a zero balance. I have called back every day and now starts week number TWO and nobody can seem to validate the amount that was paid to the hospital so that the CORRECTED information be sent to my employer. All I keep hearing is call back after lunch and the attorney will be in then. Or I cant get in her email I cant do anything. Its frustrating because you did not hesitate to enter the incorrect judgement. Now no one knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Eastpoint Recovery Group, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022, I sent a notarized Affidavit of Truth and Fact, listing the numerous Consumers ' Rights Violations committed on behalf of this debt collection agency, a copy of the Exhibit ( s ) providing visible proof of the violations, a Cease-and-Desist letter that included the necessary remedies I wanted to settle upon, as well as an invoice for payment of the violations. All of these documents were sent via USPS Certified Mail, and I am aware the company received the documents. This collection agency ignored my attempt to remedy the violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have attempted to contact the trustee at the XXXX locations documentation disclosed for the amount I need to pay to reinstate the loan. The number the documentation says to call is always busy. Through the second number I talked with XXXX XXXX on XX/XX/2016. I have not received the reinstatement amount information he promised, even though I was told I would receive the information within three days. The trustees are XXXX XXXX XXXX XXXX and XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
American Express continues to publish a derogatory statement of my old account through the credit reporting agencies, and I believe I have exceeded the statutory limit of 7 years ( since my first delinquency ) in which they can continue to make a derogatory report of my old account. I first brought this to American Express ' attention in XX/XX/XXXX ( via a phone call, and then follow-up letter ), and we have exchanged multiple letters since then. In my last letter ( mailed in late XX/XX/XXXX ) I included proof that my first delinquency occurred in XX/XX/XXXX, which is now 4 months beyond seven years. Despite the evidence that I shared with American Express, they responded in a form letter today that said my account was being reported correctly, despite the fact I provided evidence that it was not. At this stage I don't know what to do, and I need the CFPB 's help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: MD
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 DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Oracle Financial Group LLC.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   XXXX  with  OFG LLC,   XXXX , contacted my mother asking her to have me call. I called inquiring what this was about and advised I was at work, so this needed to be quick or I could callback later.  XXXX   XXXX  stated I took out a loan with  XXXX   XXXX  and I needed to either pay in full or make payment arraignments. I explained I filed for bankruptcy, he stated this debt was not included. I again explained I was at work and told him he has my address, he can mail me the information he has because to date I have received no calls or mail about this debt. I also asked for no phone calls at all and only contac t via USPS. Thi s is when he stated in a threatening tone, he has a job to do and will just do his job. I would like to receive documentation and proof of the debt, this seemed to anger  XXXX   XXXX . I also will not be bullied until a payment arraignment without verifying a debt and can not understand why this is an issue for  XXXX   XXXX   XXXX  and  OFG LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
Hello! 

I sent a letter to the credit bureau over a month and a half ago on XX/XX/22 requesting an investigation on my XXXX XXXX and XXXX  XXXX XXXX accounts and have yet to recieve a response, mail or anything regarding these accounts in question. 

All I asked for was a validation of the debt ... a re-investigation! 

Please have them investigate these accounts or remove them from my credit report ASAP! 

Thank you!

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 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and a fraudulent 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 2022-03-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a check by mail from a company/business as a payment to wrap my car with XXXX Ad, I deposited the check to my account thru the mobile app, few days later when I call to check if check has cleared I was informed check was fraudulent and my account was closed and reported to the ChexSystems, but I think I was a Victim of Fraud, I filed a dispute with ChexSystems and provided copy of all the email messages I had with the company that had mailed me the check.

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 2015-09-09
Company: U.S. BANCORP
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I received a XXXX day late notice on my credit that was reported by US Bank. I disputed with XXXX and XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized US Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. US Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... XXXX years since I requested it to be closed. US Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the XXXX day notice. US Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... US Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of US Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am having problems when making payments and I am struggling to pay my bill. I reached out to XXXX XXXX asking for a temporary hardship plan at {$200.00} a month and to address the interest rate and reduce to up to 9 % - as currently my APR is 17 %. Citibank sent me a letter however when I called into their Client Focus Team and Customer Service Department to request for a pre-plan arrangement and temporary plans of 2 to 2.5 % of the current balance set as a monthly payment - I was told I would need to close my account. Other people are able to keep their account open and make payments arrangements with a lower APR - why am I not being given that option?

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 2015-11-25
Company: U.S. BANCORP
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX my loan had a balloon payment due. In XXXX XXXX to contact US Bank to assist me on what they can do to helpas I could not get another loan to pay this XXXX off. It is now XXXX have been going back and forth for years with no end in site. I have sesent them paperwork after paperwork. Had a short sale offer, they didnot take or even respond. Requested a deed in lieu and they did notrespond, suggested at the beginning if I could continue to make the payments as is they said no loan was due in full. After a year or so of this they said I could make up the past years payment, bring loan current then make monthly payments. At that time it was {$9000.00} pastdue. I only owed {$23000.00}. Today they say I owe {$23000.00} plus {$17000.00} past due. I took money out of my IRA to just keep up with mybills. I have had excellent credit my whole life, this has just been anightmare. They did change the mailing address so for six monthsI did not receive anything. It took they a year of me callingto correct the mailing address. this is a lot loan, no house is on the property. In XX/XX/XXXX they started foreclosure, I told them to take mylot. They have done nothing.They have ruined my credit and arecontinuing to ruin my credit. I am at the end of my rope. this problemneeds to be resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I entered into a mortgage forbearance program during the pandemic in XX/XX/XXXX and upon exiting forbearance in XXXX it was my understanding that the missed payments would be deferred and added to the end of the loan. I took this to mean the whole payment amount, however, Wells Fargo has increased my monthly mortgage payments by {$250.00}. This additional amount is to catch up the missed escrow payments over 60 months. I questioned Wells Fargo about this and was informed the it depended on what the investor for my loan decided to do about the missed escrow payments. My concern is this is not a fair and equitable treatment for all customs. This additional payment has the potential to cause a hardship when the expectation had been to resume the same payment as before the forbearance. Furthermore, my loan was current upon entering forbearance and has been since exiting so the only amounts of missed payments we are talking about occurred during the forbearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was a victim of fraud on or around XX/XX/XXXX in the amount of {$340.00} for an XXXX XXXX charge. I contacted my credit card company on or around XX/XX/XXXX, when I discovered numerous other fraudulent charges on my card ( over $ 3k worth ). The fraudulent charges were waived except for XXXX XXXX XXXX charges which, after a nearly 6-week investigation, the company decided were not fraudulent. They absolutely were fraudulent charges - no one else is authorized to use my card. XXXX XXXX helped me get one of the charges cleared up - but the {$340.00} charge remained. It remains to this day, despite my having made literally dozens of phone calls telling them to reopen the investigation. Customer service reps have promised to reopen the claim and have not. I sent certified mail regarding the situation on or around XX/XX/XXXX and received no response. I also demanded my fraud investigation file, and they have not complied. They are completely unresponsive and ignoring me, a client of over 15 years.

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 monetary relief
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I started an International wire transfer at the local Bank of America Branch. I transferred funds from my savings account to a company in XXXX XXXX ( XXXX ). 
-After about 10 days I asked and the XXXX company indicated that they did not received and money. The XXXX company contacted their bank and were told the funds were rejected/ returned by the bank because the XXXX company name was incorrect. 
-On XX/XX/XXXX the XXXX company contacted their bank and informed me that my funds were received on XX/XX/XXXX and returned/rejected on XX/XX/XXXX to Bank of America XXXX 
-On XX/XX/XXXX I spoke with Bank of America ( B/A ) 'Wire Transfer Customer Service ' and the rep. 
indicated that they would put a trace on the funds and was told to call back in about one week. 
-On XX/XX/XXXX I called B/A wire customer service again and the rep. said she would request the return of my funds. 
-As mentioned about on XX/XX/XXXX the XXXX company was told that the funds were returnded on XX/XX/XXXX. 
-On XX/XX/XXXX called B/A wire cust. service and gave this info to the telephone rep. who indicated to me on the phone that she would transfer the funds to my account. 
-As of XX/XX/XXXX no funds have been received. 
-I need your assistance since the wire customer service had known that my funds were returned on XX/XX/XXXX and was not informed or the funds were not credited to 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 monetary relief
Consumer complaint received 2016-02-01
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2015 we submitted a request for short sale to US Bank for retired clients that could not afford to continue living in a property in XXXX, VA. Since then we have received numerous calls for documentation which has caused us to have to submit documents over and over while US Bank sat on the file. In XXXX I received a call from the mortgage single point of contact stating the documents are all in and the file will go to the negotiator so we can get a decision on the application. Just last week the home sellers received a letter stating that US Bank needs all new documents since the current ones on fie have expired. This is ridiculous since the employees at US Bank explained that they are having implementing the process for handling distressed properties. It seems this process will continue in perpetuity. We need assistance getting this file to completion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX   XXXX {$18.00} XXXX   XXXX {$670.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$770.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$650.00} XXXX XXXX  XXXX {$670.00} XXXX XXXX {$840.00} XXXX XXXX XXXX {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

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