BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After running my credit report through XXXX  I noticed a discrepancy which showed a debt collection account for XXXX XXXX XXXX owing {$1500.00}. I immediately sent a letter to request validation of the debt as I was notifying the debt collection agency that this is not my debt and that I required proof. When they responded 30 days after first letter they provided a photo copy of an invoice billed in my name. To date they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Also the description of the procedure used to determine the accuracy and completeness of the information was hereby requested. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Progressive Management Systems the alleged amount.. I have not yet received a 2nd response, the 30 day time frame in which they must respond ends of XX/XX/2020.

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 2020-03-27
Company: EQUIFAX, INC.
State: NH
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:
Equifax has failed to verify and validate inaccuracy 's on my credit report. I am requesting to have these immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Citi Mortgage reported my mortgage payments late to the credit bureaus while I was making my trial payments after I was told they would n't. Here are the late payment payments I am disputing and I also I have my bank statements showing when the drafts took place if needed as evidence. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I called there client support on several occasions kindly request a correction but never received a resolution on getting my late payment removed.

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 2016-08-26
Company: BC SERVICES, INC.
State: FL
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:
The debt is for the alleged " rental '' of a wheelchair for my son. 

My son ( then XXXX years-old ) was visiting my sister in XXXX, CA when he fell and XXXX He was taken to the emergency room where he was treated and discharged with a wheelchair. 

My son was insured and I was contacted by an agency with the wheelchair - XXXX XXXX XXXX. The agency said that they thought the insurance co would cover the cost {$210.00} +or-. 
I also provided my credit card number to pay for it in case it was not covered. 

Months went by and I did not hear from anyone regarding the wheelchair. Nor did I receive a statement or status. 
Now XXXX is trying to make my son, who just made XXXX and is XXXX with a XXXX, pay for some " rental '' of the wheelchair that is now {$670.00}. 

My son was a minor at the time this happened and there is no way they can charge him personally for anything. That is the craziest thing I 've ever heard! He is also XXXX, and on SSI and there is NO way I will let this predatory behavior continue or affect his ability to have a decent financial future. 

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 explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions 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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2016-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a credit alert service with XXXX. I received an alert today indicating that a credit inquiry was made by Experian on behalf of XXXX on XXXX/XXXX/2016. There should be no reason for this credit inquiry and may indicate fraud. ( Our tax returns were fraudulently submitted last year. ) See attached jpeg. Your help would be appreciated.

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 2020-04-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is regarding WellsFargo Bank with my checking account on. I had lost my bank debit card and had another one send through mail that I never received. On XX/XX/XXXX this debit card was used 15 times in one day in different XXXX  in Fl far apart from each other & the only transactions made were to get cash back {$100.00}, {$260.00}, {$200.00} not once, not twice, but 15 times without being stopped or flagged & a {$300.00} ATM cash withdrawal. The next day XX/XX/XXXX I wake up to my account being negative - {$1700.00}. I called & told them the charges were not made by me because I had never received my bank debit card. Went to the branch in person filled a complaint being sure I would be helped waste of time and effort on my part many times. I received a letter that the case was under investigation. To then receive another that the investigation was closed and no money was going to be returned to me. Went again to file another complaint in the branch which they told me they could not do anything because it was moved out their department to Escalated Complaints. I was told to file a police report which I did on XX/XX/XXXX which did not help. No email was send to me regarding the case no phone call from Escalated Complaints Department nothing. Just a letter saying case closed due to final investigation. Wellsfargo charged me on top of all this {$35.00} for every transaction withdrawal which were multiple. How can a banking institution get away with this? No one to help & all they send you is a letter with case closed they keep on sending letters of just 10 more days for a resolution update and nothing ever gets done. They are stealing peoples $ and just {$1.00} no this is a complete disgrace thousands of dollars now from one person. With no one to help or guide I have come to do my own research, waste my time, get stressed in worse possible way and on top of that have my money stolen by them. We should not have to do this this is the reason I put my money there in the first place to be safe! Now is the Bank stealing from the people from innocent people I can only imagine the many that do not know were to seek help. I will send this to who ever I need Washington, who ever this is now more that just money this is about a Corporation stealing millions of dollars. Something has to be done and people should have the right to know about services complaints like 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 2022-09-05
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A company reached out to my eldest daughter regarding a debt that they state I owe to XXXX XXXX XXXX. I have not had an account with XXXX  XXXX XXXX for years, so I am not certain what debt they are speaking of and why they contacted my eldest daughter instead of myself. I have had clear credit - no debts- for at least two years now as I worked to clean up my credit rating. 

Information from the email my daughter received and forwarded to me : From : XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX AM Subject : XXXX XXXX, important reminder To : XXXX XXXX XXXX XXXX ( NOT my email address ) Your TrueAccord account number is : xx-xx-xxxx-xxxxx - We don't want to see your balance of {$8300.00} be taken back by XXXX XXXX ( current creditor of your original XXXX XXXX  XXXX, XXXX. account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 

My email linked to my PayPal is " XXXX '' Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
XXXX XXXX helped me do my unemployment papers online where she got my information stole it And locked me out of my edd account then she has taken the money out of thebank of America and has reapplied and is fixing to receive more benefits I have been trying for 6 months to close the accounts and can not no one will help me or even believe me the bank of America will not stop issuing a card to her at an address that is not mine and I can not even file a claim on the money she stole

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 2022-08-04
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/XXXX, I paid my full statement balance {$140.00}. At the time of payment I was under the impression that my credit card was paid in full. This conclusion was substantiated by the Barclays statement which says However, you can avoid paying interest, if you pay your purchases subject to interest ( excluding Easy Pay Offers ) plus any monthly Easy Pay Payment amount in full by the Payment Due Date every month. 

On XX/XX/XXXX, I received a statement with an interest charge of {$2.00}. Despite paying my balance in full on XX/XX/XXXX and having no purchases during the statement period. In the interest charge calculation portion of my statement, the purchases section indicated that the Balance Subject to Interest Rate for purchases was {$120.00}. Despite having no purchases in the statement period. When I called Barclays they did offer to waive the {$2.00} but I am still unclear on how the {$120.00} was calculated. I am also not confident that paying my full balance will prevent me from interest charges as the terms and conditions state. 

Following the conversation, I reviewed my statement for the period XXXX and I noticed a similar discrepancy in the interest charge calculation. Between my payments and previous balance the remaining balance was {$140.00}. However, when referencing the Balance Subject to Interest the Purchase amount that was used to calculate the interest was {$180.00}. Nothing in my statement adds up to that number and if that is interest from older purchases it should be labeled as such.

Although the charge was waived, Barclays representatives were unable to explain to me how paying the full statement balance led to interest charges in the next month. They were also unable to clarify how the purchase number was calculated.

I have statements to substantiate but I am unable to upload to this complaint due to the size. Please let me know how I can submit them.

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 2015-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Capitol One offered a {$500.00} incentive if I deposited {$50000.00} for 90 days. I deposited {$50000.00} on XXXX XXXX, 2015. It has been 90 days and I am told that it will take another 25 days before they will deposit the {$500.00} into my account. I believe that this is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the collection company named : XXXX XXXX XXXX XXXX has falsely reported collection on my name and they don't if they really have my social security number? 
I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency XXXX XXXX XXXX and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you 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 2017-10-13
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I fell behind on payments late XXXX and went through loss mitigation. Thankfully, I was allowed a modified mortgage in XXXX XXXX, made my 3 trial payments but the modification documents were not finalized until XXXX XXXX. I have made mortgage payments in accordance to the loan modification agreement for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Some payments during that time were returned to my bank by the mortgage company for various reasons, resulting in my having to pay the bill by phone to ensure acceptance. The mortgage company is also falsely reporting on my credit report, stating that we are more than a year delinquent! 
Meanwhile, I had been receiving mortgage statements that had not reflected my payments. When I started to receive phone calls and letters from the mortgage company stating that I was behind on payments, I always called and talked to numerous agents who always assured me my account was fine and not going into foreclosure. I even called for verification after receiving the HUD letter, loss mitigation packet, and a letter from a local attorney stating the mortgage company was foreclosing. I was again reassured that my payments had been processed and my account was not going into foreclosure. 
This week I was served a summons from the local sheriff that stated the mortgage company was moving forward with the foreclosure. I called my mortgage company, very upset and was ensured a call back within one business day. I have yet to receive a call back from the mortgage company. I finally talked to many agents from the mortgage company this morning, stating that the information has been handed off to a supervisor to discuss with foreclosure department. I can no longer accept a verbal reassurance from the mortgage company that this problem has been resolved, and am looking for some sort of document as proof.

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 2016-08-17
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2016, I went to Citibank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) to inquire about banking opportunities. I was encouraged to open a Citigold account. Within the bank over the telephone, I opened a Citigold account after learning about an amazing promotional code ( XXXX ). Prior to finalizing the account details, we reviewed the promotional code requirements. I was assured that within 3 months of meeting the requirements, the miles would automatically post to my account. The promotional code and my AAdvantage account were then linked to my citigold account to make it easier to transfer the miles. 

My account was funded with {$1500.00} on XXXX/XXXX/16. I met the promotional code requirements within two moths of opening my account. I spent {$1000.00} in debit card purchases on XXXX/XXXX/16. I had two consecutive automatic bill payments to XXXX XXXX on ( XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 ). In XXXX, I called Citigold ( XXXX ). I was informed I had met all of the promotional code requirements. On XXXX/XXXX/2016, I called Citibank again. I was told the XXXX miles would be deposited into my account within 90 days of meeting the program requirements. On XXXX/XXXX/16, I was informed " Unfortunately, there was not an XXXX XXXX promotional offer in conjunction with the opening of your account. While Citi does offer XXXX mile promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I was shocked. I immediately appealed the decision to the Citigold representative. On XXXX/XXXX/16, I received the exact same letter without any additional information. 

I do not understand why my account does not quality for the promotional offer XXXX, which was offered to me from within Citibank. On XXXX/XXXX/16, I was informed for the first time that this promotional code was not targeted to me. This does not make sense. From account inception until XXXX/XXXX/16, there were multiple telephone calls with Citigold confirming that my account had met the promotional code requirements with the miles to be credited to my account in the near future. As I had no reason to suspect there would be an issue, I do not have a log or transcription of any of these telephone calls. However, I suspect there are multiple internal notes linked to my account within the Account Services department. 
I see no other recourse than to file this complaint with Citi.

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 2020-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX I was in desperate need of a vehicle and the dealer convinced me accept a loan from XXXX XXXX XXXX for $ XXXX/month. I was told i could refinance in 6 months. When I attempted to refinance I was told by XXXX XXXX that refinancing wans't an option or a service they offered. I struggled to try and make the payments on the loan but it was repossessed in XX/XX/XXXX. 

I have been trying to correct this matter and since I have started appealing the report for the balance owed, after the vehicle was sold at auction ; XXXX XXXX XXXX has in retaliation, started reporting to the CRA as a charge off every month. My accounts now show 16 charge offs, since I am refusing to settle for their intimidation, They still call me and my relatives daily. 

I have mailed the attached letter to XXXX XXXX XXXX and I am prepared for my attorney to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CITIBANK, N.A.
State: GA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
Received this visa debit prepaid card for {$60.00} as part of a promotion from XXXX XXXX. The issuing bank is Citi. The card expired and according to your website we should request a replacement since the funds do n't expire for 5 years. Contacted Citi customer service at XXXX. We were told sorry. First spoke with an agent named XXXX and then a supervisor named XXXX. Thanks in advance for your time and attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Santander Consumer USA Holdings Inc.
State: HI
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My car went missing from the parking lot at work in XXXX. I tried to file a stolen vehicle report with the police and insurance company. Santander said they repossessed it due to late payment so I was unable to report it as stolen. For almost a year or more they contacted family members and neighbors over the phone and in person trying to find my car they claim they did not repossess it and we 're looking to repossess it. They continued to call and ask me where my car is after THEY told me multiple times that THEY repossessed it. They even called to tell me it went to auction on another XXXX and asked me where it went after auction like I would know. Then in XXXX they send me a letter to settle my charge off amount for 50 % off my total amount in exchange for the title for a car they claimed they repossessed, supposedly auctioned and lost track of 4 years earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company response to consumer: Closed with explanation