BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: CAVALRY INVESTMENTS, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with   XXXX   XXXX   XXXX   but they are trying to collect for   XXXX   XXXX  . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sir, Could you please help me to address my credit discrepancies and illegal altered of false reports on my credit report by a Company listed as AFNI INC collection agency, they put a derogatory False report on my credit. 


The company AFNI reported on my credit that i owed them a loan, and that the loan is connected to XXXX XXXX XXXX XXXX. 

AFNI INC collection agency recorded on my credit reports that i stopped payment of my XXXX XXXX XXXX bill in XXXX, 2020. This is absolutely false!, ( I dont use XXXX XXXX XXXX  ). I stopped using XXXX XXXX XXXX XXXX over 2 years ago and i did not owe XXXX XXXX XXXX any outstanding payment. I called XXXX XXXX XXXX office to verify and confirm Cooked up by AFNI but XXXX XXXX XXXX official told me my account is closed. No debt! No outstanding payment! 

So why? Who gave them permission to my credit? 

Sir, Your help will be highly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
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:
My name is XXXX XXXX and I am writing this letter to request for a dispute to be opened for the following accounts to be removed as they dont belong to me. The following accounts don't belong to me which means they are all fraudulent and are errors on my credit report that needs to be removed. I tried disputing this with Equifax and they declined to assist me with this issue. My understanding about Equifax reporting information is that everything reporting should be factual and true, but the information in the letter is not factual and there is no have proof or any form of evidence. I am requesting the following information be removed from my credit report. I am a victim of Identity theft and the police report is attached with the letter listing all the inquires that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On two ( 2 ) different occasions, Ally Financial as failed to effectively communicate with me the following : 1. How much they sold the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX that I had leased. 
2. Why they refused to offer my financing rates upon the end of my lease regarding the XXXX XXXX that I had leased. 
3. The status/location of the XXXX XXXX XXXX XXXX for which I was in an accident in on XX/XX/XXXX. Although they claim I did not have collision on the vehicle at the time, I have proof that is attached to this email that shows I did indeed believe I had or would have collision coverage on my policy. 
4. My personal belongings located inside of the XXXX XXXX XXXX XXXX have not been returned to me. 
5. Why XXXX XXXX did not respond to my faxed letters. 
6. I did purchase GAP insurance through the company XXXX. Please see attached.

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 2015-12-30
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX/XXXX/XXXX my US Bank checking account became had a balance of {$14.00} and was not sufficient to cover a debit purchase of {$16.00}. US Bank chose to pay the item and then charged my account {$35.00} Overdraft and also multiple returned check fees. Because of the multiple overdrafts fee, continuous overdraft fees, they accumulated to over {$500.00}. The account was closed XXXX/XXXX/XXXX and transferred to the US Bank Recovery Dept for Collection The account was sold to XXXX XXXX XXXX XXXX/XXXX/XXXX. This collection company increased the amount to {$750.00}. I received threatening letters from this collection agency and contacted XXXX legal services who gave me a template letter to send ( and is attached ) to stop the 3rd part collection agency from harassing me. The harassment started up again XXXX or XXXX XXXX and I filed a complain with the Consumer Financial Protection Bureau. I thought the problem had been resolved, but another collection agency started up again calling me and threatening me with serving me with papers when the debt was clearly too old to collect. This agency has contact my son, XXXX XXXX, several times in the past two years, has contacted my son 's friends, XXXX XXXX, causing me extreme emotional stress, and has contacted me in a deceptive manner trying to get information. Some of the tactics they used was saying they were the XXXX XXXX XXXX XXXX and they had a {$16.00} refund to mail to me and wanted my address. I gave them my son 's address in MN, that is how they started harassing him. Then about two weeks ago I received a call from someone saying they had a delivery from a company I never heard of. I was suspicious. I looked up their phone number and it was this collection agency in California. They are very deceptive and threatening and pretend they are lawyers. They have several names. XXXX I call I got from XXXX XXXX, XXXX. I called the number and I got XXXX XXXX who said they were XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX CA XXXX. I asked for an attorney 's name and Bar number and he said there were so many attorney 's he could help me. Another time I called I asked for the same information and someone named XXXX XXXX told me there were no attorneys there and the name of the firm was XXXX XXXX XXXX. My son received a call from XXXX XXXX XXXX, XXXX, XXXX and again from XXXX XXXX XXXX XXXX XXXX. This is all in writing in text on his phone. XXXX XXXX his friend received a text on his phone XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Paypal Holdings, Inc
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My paypal card was absorbed by XXXX XXXX. The card number was stolen somehow. My account is secure but the number was stolen from within paypal. I called within a couple of hours but the number printed on the card does not work. I was unable to report the card as hacked. I called paypal and their phones do not work either. Just a recording that says no one is available to help. I tried to send a secure message but replies for the fraud complaint are being answered by offshore group in XXXX that do not understand any complicated issues explain in english writing. They have no USA staff to support us at either XXXX XXXX or at paypal. I finally managed to get logged online and was able to report the card lost or stolen to get it frozen as the only option. Then I sent paypal the secure message that there are pending fraud charges and they refused to assist the merchants that reached out for help and they refused to help me. They forced through the fraud charges after they were notified about them. They allowed items to be purchased using an address that was NEVER on my account and they won't help me. They pushed through all the fraud charges days after they were notified about the fraud, and they wiped out my paypal account, my cashback rewards, and paypal took the money out of my personal bank account to cover the fraud charges on my credit/debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had a loan with Bank of America back in XX/XX/XXXX for my primary residence located at XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. I applied for a modification, made the trial payments and was approved for a modification, which was never executed, no payments were made and I defaulted. The loan was then transferred to XXXX XXXX  XXXX. I applied for another modification and was granted. My house was put up for sale in XXXX of XXXX, I have a contract and was supposed to go to Settlement on XX/XX/XXXX, but Bank of America sent XXXX a partial claim for XXXX saying I got the 1st modification. Since XX/XX/XXXX I have been going around and around with Bank of America, XXXX trying to get someone to release the XXXX partial claim that I do not owe. I need a release or something stating the XXXX partial claim is null & void. The modification back in XXXX was never executed and defaulted. Someone got paid on that loan with title or coinsurance, but I never got the modification. BOA transferred my loan to XXXX XXXX XXXX following the default. 

I filed a complaint with US National Banks back in XXXX complaining about Bank of America never giving me the modification in XX/XX/XXXX. I also filed a complaint with Federal Reserve XX/XX/XXXX, US National Banks against BOA. I missed my settlement for the sale of my house last Thursday XX/XX/XXXX and it is rescheduled for this Thursday XX/XX/XXXX. If I do not have that release, my buyer is walking. Please get this information in front of a supervisor or someone that can send XXXX so this can be taken care of ASAP.

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 2015-10-18
Company: WELLS FARGO & COMPANY
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX XXXX, XXXX has constituted sending me an invoice for payment on an account from Wachovia Bank. It appears that several of these debt collections agencies are attempting to collect on this invoice. This is n't the first time I 've seen this bank just different collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
There are charges I know nothing of or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On or about 4 years ago, I called XXXX to buy a new phone. Immediately that phone started showing malfunctioning problems, so I contacted them to complaint. They sent me another one to replace it with another one according to a totally new XXXX and in excellent condition. However, that new phone came with problems as well as. I contacted XXXX I called several times, they made me remove the battery, turn it on again, and the " new '' XXXX XXXX  XXXX. was worse than the one that came back to them.If going or incoming calls was impossible to hear the other party or vice-verse. My friends or other callers, told me that the call was heard cut off, and they did not understand me, so without other alternative they had to hung up the call or I had to do so. Most of the times the call was always dropped or the cell phone was frozen. While I had constant problems with that new cell phone, sold by XXXX, my son never had any problems, he bought his XXXX XXXX at the Mall. Therefore, my phone I bought 6 months later from XXXX, the difference between my sons cell phone was and stills in perfect condition. Having this situation I was forced to use a old non smart phone that I had bough in the past from XXXXXXXX  in order to call my family and receive calls from friends, family and important calls. I trusted XXXX, I regret it, I should buy it at the Mall as my son did. 

Luckily, my son decided to buy a new phone two years ago, I decided to use his old XXXX XXXX, that he bought at the Mall. That is the phone I am using since 4 years ago, almost 5. While the cell phone sold by XXXX it only lasted two years and with a lot of bad functioning problems, my son 's cell phone that he bought at the Mall is in perfect condition after almost five years, that is the phone that I am currently using the XXXX XXXX XXXX phone. I offered XXXX to return that phone that they sold to me and that stopped working, they rejected, obviously, they know what they sold me, and at all costs they want to take my money for a cell phone that they sold me with malfunctions. I was paying for that cell phone, until it totally stopped working. My question is why we have to be victims of fraudulent sales, want to force us to pay for something that is garbage? I lost my job, I wouldn't mind paying it if they had sold me something in excellent condition, but it's not like that. It is fair that I have to pay for something that was sold to me, knowing that I told them I was presenting a malfunction and did nothing to remedy that situation. I have that cell phone stored for almost 4 years, because it has not worked since I sold it XXXX, again I offer to return that bad item they sold me. 

The law have to be impartial, and protect who needs help in cases of unfair actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have used cash app for over a year. I upgraded my phone, and lost all access to my old account. I have since created a new account, and followed their links to merge the accounts, at which it will not work. I have sent multiple emails with no response. There is no phone number to contact anybody. I have over {$1.00}, XXXX that I am unable to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: WELLS FARGO & COMPANY
State: VA
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 have a loan with XXXX XXXX, XXXX XXXX, and WFDS/WDS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX XXXX, XXXX XXXX, and WFDS/WDS with no successful resolution. There was definitely an error on their part.

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 2015-04-28
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have made calls after calls and can not find anyone to help me. I had a mortgage with US bank and in 2010 my house was foreclosed on. US bank was supposed to be helping me refinance my home. I do not know who to contact for the US Bank Independent Foreclosure payment. I was told I would have another check coming and I have not. I just would like to know how much the check is and when I will receive it No one seams to know how to help me. Can anyone look me up by my SSN and find out any kind of information for the payment?. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Arkansas XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I have sent all three bureaus, letters that there is information on my credit report is inaccurate and not verified. by law, it should be XXXX accurate and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My chapter XXXX case is still showing petition when the case should be showing close. Complete. Reached out to credit bureaus and not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have filed multiple disputes to have an account with serious delinquency removed from my Equifax credit report, latest being on XX/XX/XXXX. The date of first delinquency of the account in question ( XXXX  XXXX XXXX ) was XX/XX/XXXX. I was told by the agent on the phone that the account should have fallen off XX/XX/XXXX but just received dispute results and they are not removing the account. When I called back the Equifax representative tried to tell me that the account was not negative and thats why it wasnt being removed, which is not true. I feel like I am just being routed to call centers in XXXX with unknowledgable staff and given the run around when the issue at hand has a very serious effect on my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: V.I.P. MORTGAGE, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My issue is with VIP Mortgage XXXX XXXX Branch XXXX, Arizona XXXX me and my wife signed a Pre Quailfied Contract to Buy a home and use VIP as Lender. After 10 weeks in Escrow we had to extend closing date 3 times due to issues with underwritting and we really never got the main reason. Long Story short on the final closing we were told they could not do the Loan. Latter that day XXXX found out that XXXX XXXX gave ALL my personal information and Documents to a outside Competior XXXX XXXX Loans without my Permission. ( Privacy Act ) My main complaint is that he shared my personal information. 2nd Complaint is how a Company can string along a Family for this Long only to leave us without a Home. We recieved a Denial letter last night that Stated the Reason for being denied was due, INFORMATION FROM CREDIT REPORT. Note : Why take 10 weeks to find this out before stringing us along? We have copies of our Credit Report and we obviously Were Pre Qualified on day # 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 2020-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking account was POSITIVE when I was accessed below three fee ( s ) which is in my opinion way way too high. The fee was recently increased to {$37.00} from {$30.00}. I sent bank message from my bank account they never got back to me. 

SEE ATTACHMENT XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} COVID-19 pandemic I am currently unemployed along with 40 million other folks, any relief at this time would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I received an offer to open an credit card with USBank, which they did not honor. The offer stated that if I spend {$1000.00} within XXXX months, I 'll receive a {$200.00} statement credit. I received {$100.00} after spending {$500.00}, but did not receive the full {$200.00} after spending {$1000.00} within XXXX months, which is sooner than the offer required. I called them and was eventually told I needed to fax the original offer letter to them to prove that I was supposed to get {$200.00} after spending {$1000.00}. After faxing it, they still refused to give me the remaining {$100.00}. They stated that they placed me in a separate promotional offer with a lower APR, which offered only {$100.00} after spending {$500.00}. USBank said I would need to reapply for the credit card in order to get the offer I originally applied for. I can not do that due to the negative affect it may have on my credit score. Plus, I do not know if I 'll be placed in the same program again. I am looking to purchase my first home within the next year, and I do not want the additional credit request to negatively affect my score. USBank refused to fix this situation for me even though I faxed to them the original offer letter. I felt like I was fraudulently given an offer in order to bait me, upon which I relied, then changed the offer without informing me until I called about why I was not awarded the {$200.00}. I was then given something cheaper and of lesser quality. The application for this credit card negatively affected my credit score, which I thought would be fine due to the additional {$200.00} that I should have received, but instead I only received {$100.00}. I used the promotional code that was on the original offer letter when applying for the card online and was approved ; I spend the required {$1000.00} within the first XXXX months of opening the credit card ; and I faxed the offer letter to USBank to show what they had originally offered me. Yet they refuse to fix this problem for me. I have the offer letter and all bank statements showing I spent {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation