BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Freedom mortgage today and i was hung up on when i asked why i was being told the mini miranda rights when my account has always been current the rep could not answer put me on hold just to terminate the call. I called again and when i was told that the phone call was going to be recorded i told them that i did not agree to record the phone call and they were quick to tell me that they would terminate the call. i asked for a manager and explained that i was within my rights to not have the phone call recorded. My mortgage was recently transferred over to this company and i do not feel that they are following your protocols or the state protocols. I hate this company already. Please audit them to ensure that they are following and respecting their clients rights.

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 2015-10-10
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had received a medical debt from XXXX XXXX, I put in a dispute against them because it was a workmans comp claim, I then was contacted by National Recovery Agency who was also claiming the same debt. I filed disputes with both company 's and XXXX XXXX had it removed, I have made several contacts with NRA and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !

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 2021-05-14
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX has reported late payments that are false On all XXXX reports

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 2021-05-14
Company: EQUIFAX, INC.
State: NY
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:
XXXX has reported late payments that are false On all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: MT
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I was aware of that my account with Rush Card would be going through a system update on XXXX XXXX, 2015 from XXXX to XXXX. I new I would not have access to my funds during that time frame. It is now XXXX XXXX, 2015, XXXX and I still am unable to access any of my Money. I have called Rush Card Customer Service on multiple attempts to experience XXXX hours waiting times and never have been able to talk to any Rushcard Representative. I have sent XXXX emails so far to rushcard customer service about my account issue and I have got only XXXX response that my account could not be found and needed to send another email with more info so I could get assistance. I have sent that info and have yet heard back from rush card well over XXXX hrs now. My Account balance was at {$0.00} for sometime and now is showing the correct balance but my account is still in " pending activation status '' which I still ca n't access my money. I ordered a new card in hopes of being able to transfer funds to this new card but Rush card has deactivated the ability to transfer funds. It says an error has occurred and to contact customer service. This makes me think they do not want me to access my funds at all by blocking my card and ability to transfer my money. They are giving false info about accounts have full access now and only means of any info is there XXXX page. That leaves me in the dark on when or if a fix will occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Scottrade froze my account without warning and will not allow me to talk to them. The story behind this is quite simple, after I complained about unauthorized access to my account Scottrade became hostile and would not process my requests for an internal review. 

Instead, Scottrade hired a law firm that threatened to sue me for " defamation '' in the event that I continuing complaining about my account problems. In return I asked Scottrade for my account contract and they refused to answer my questions and instead sent me a blank form stating that I have been harassing them. 

It seams that instead of dealing with customers problems, Scottrade chooses to cut-ties with their customers in order to boost this profit and avoid paying for support staff. I would respectfully submit that Scottrade should provide me, as a customer, with the original copy of the account contract and also work with me in a productive manner to review things such as fraudulent transactions, account security, and the returning of my funds.

Company response to consumer: Closed
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: GA
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 writing to delete the following information in my file. the items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I am a customer of Rush card. XXXX XXXX they updated their system and since that date I have had no access to my money. Today is the XXXX. I have lost my car insurance my lights were turned off and I am about to lose my home. Also my vehicle tag expires today. My whole family has been affected by this. I have XXXX children that now arein the dark. I have called customer service to only be hung up on or told they can not find my account. I have also been told my mom ey is on my card but still remain to get insufficient funds on receipts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. XX/XX/2010, my husband and I were hit by a XXXX. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to Equifax and have been unable to produce any evidence as to the validity of these multiple charges. 

XX/XX/2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: LA
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 contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

Ccs Collec : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus XXXX , XXXX and Experian . I have not heard anything back about these negative inquiries are derogatory creditors.

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 2016-06-20
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debt collector threatened to sue me over time barred debt. When I told them this threat was illegal they told me it was not. They said they were an attorney who bought this debt & they would be serving me in the next few days with a lawsuit over this time barred debt. After hanging up with them they immediately called me back to threaten & harass me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America which is my mortgage company had been reporting my account as 30 days late as of XXXX, 2015 even though I have been paying my mortgage on time. I spoke with their representatives 4 times in this week, and they ca n't figure out why my last payment of XXXX went to XXXX account. Because the bank sent me a letter last week and asking me to send that amount to complete the XX/XX/XXXX payment for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I sell XXXX over the XXXX. On XXXX instances in XXXX - XXXX various dates 2015. I received bofa account holder to my bofa account transfers which corresponded to XXXX transactions on XXXX where I sold XXXX in exchange for these money transfers. The offender was XXXX person XXXX XXXX XXXX. A total of {$2800.00} in total sales were reversed mid XXXX 2015 when XXXX XXXX XXXX claimed the transfers were unauthorized. I do have selfies identifying XXXX XXXX XXXX picture taken next to her passport. Bank of America put a hold on both my checking and savings account for {$800000.00} dollars each for a total of XXXX XXXX dollars. Even though I had enough funds in my account to handle the reversals.It 's as if they considered me a party to her fraud. They eventually closed my account they have not given me a way to respond. XXXX in the fraud department told me he would provide me with information regarding responding but never did. The balance over and above the reversed amount is still being held by Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Was charged {$35.00} per an overdraft in my checking account. While, Wells Fargo has refund the Overdraft fees before because they are outrageously high. I spoke with a young women at Wells Fargo General Banking Call Center and they told me that would not be possible. While I like Wells Fargo, I know most smaller banks and credit unions do not charge such outrageous fees for occasional overdrafts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a few inquires on my reports that I didn't authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2015-09-16
Company: Greeneville Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My problem actually involves XXXX separate issues with the debt collector, Greeneville Collection Service Inc., in XXXX, TN. 1 ) they contacted my employer, 2 ) the caller who identified herself as XXXX XXXX falsely represented herself to my supervisor, acting as though she was personally acquainted with me claiming she had not 'spoken ' to me in awhile, and inquired as to my employment there 3 ) the agency is trying to force me to pay a medical debt from XX/XX/XXXX that I have already paid off in full, through a lawyers office, XX/XX/XXXX. 

It was only AFTER I paid off the medical debt through the lawyers office, that this collection agency began contacting me saying that I owe them money for a medical bill from the same hospital, same date of service ( XX/XX/XXXX ) and same exact dollar amount. They claim that the money I owe them, is for separate hospital charges. However the documentation that I have proves otherwise. 

It is my belief, that this is a fraudulent attempt on behalf of the collection agency to collect money from me, that I do not owe. The dead give-away of their attempts to fraud me is the fact that this collection agency, NOT ONE TIME, ever tried to contact me prior to XX/XX/XXXX regarding the medical debt in question. The fact that they waited until after I paid the same medical debt off XX/XX/XXXX is what makes me highly suspicious of their motive. This agency is well known for doing this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Solutions To Portfolios, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving calls from STP processing for awhile now and they rarely leave messages. I have been injured and not able to properly communicate over the phone until recently. They call me a few times if not more each day. They have called my old employment and family even though they have my phone number that is still in full function. They have threatened a pending legal action and putting me in jail. They have not told me what the debt is or who they are associated with and I have never received anything in the mail from anyone about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Ocwen Financial Corporation
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On or around XXXX/XXXX/14 Ocwen loan servicing LLC . sent me my last dispursement check from my Escrow Disbursement account, to finish my repairs on my house from Hurricane XXXX. I NEVER RECEIVED THE CHECK. I called Ocwen three times on or around XXXX/XXXX/14 - XXXX/XXXX/14. first time I asked when the check was coming, they said give it more time it is in transit. Second time I called them I told them I did not recieve my check and they should stop payment. Their response was " give it more time ''. Third time I called them, I told them I still have not received the check and for them to definitely stop payment. Their response was, the check has been cashed and that I needed to go to XXXX XXXX XXXX and request a fraudulent claim form. I told them that it was their job, being that the check was not from my account. ALL OF THIS IS ON THEIR PHONE RECORDINGS OF ALL OUR CONVERSATIONS. I asked that they send me a copy of the check, it took Ocwen approximately eight months plus numerous phone calls, to get me a copy of the cashed check. Their explanation of the delay was that they were transferring their insurance loss department to a new location in Texas and all paper work was in transit. Finally, I received a copy of the cashed check and as you can see my signature is not present and nor did I give any authorization to cash this check. I filled out the necessary paperwork to the best of my ability to get this matter resolved, which I will attach. All three banks refuse to take responsibility. 
I believe XXXX XXXX is at fault mostly for not following proper procedures and taking and opening an account with an improperly endorsed check. 
XXXX XXXX XXXX also did not follow proper banking procedures because they did not check the endorsements and released the funds anyway to XXXX XXXX. 
Ocwen is also at fault for not stopping payment when requested and simply not taking any responsibility or helping to resolve this situation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: United Recovery Solutions
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I received a call from XXXX, Consumer Financial Protection Bureau stating that was going to put on my Credit bureau report past due amount when I never signed on the contract. I also did not receive the mini miranda during the conversation until at the end of the conversation. XXXX was very rude, insulting and threating in tone and verbal conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX XXXX president XXXX XXXX, and manager XXXX XXXX, have been ongoing threats and selling my private info from these debt collector agencies, stealing identity and started services in my name. Coercing & extortion of government funds after filings of XXXX, then selling info out to criminals. Ongoing harassment some of XXXX nature threw internet & out in front of my rental places. After XXXX move to rental units next door to me, threats & XXXX harassment begains, inflicting moving cost on me time n time again. Lying to court judges & stealing money orders n checks made out to me cashing them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I 'm being harassed my a collection agency They threatened me with jail time warrant for my arrest My husband called and and they called me a thief a liar and could not do a debt validation to us They tried to get us to wire {$1100.00} and the collector kept yelling at us and did n't let us talk to resolve the situation and she hung up on us as she threatened with felony warrants and charges The collection agency is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: Regional Processing Services
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Lady named XXXX XXXX from regional processing services called me was really rude to me said that they are perusing me for malicious tempt for fraud. I 've contacted the loan place I know I have a past due loan but even I 'm not the only one who complained about this lady and even the original loan place said it seems suspicious. The number the lady calls me from is XXXX she answers the phone every time. I 'm upset please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX , Us Dept of Education # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX.

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 2016-10-05
Company: Continental Finance Company, LLC
State: CT
Product: Credit card
Issue: Transaction issue

Complaint:
Ive attempted to use my credit card ending in XXXX with Continental Finance, however, charges are declined recently and in the past when there is more then enough available credit. This is a fairly new card, I suspect the rep ( s ) I spoke to activate did not in fact activate the card. Its also possible they will not activate card due to a payment being due, I had a previous experience in attempting to order a new card, reps would not order due to a payment being due. I need card activated and or ab ability to make purchases

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