BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have an account with Wells Fargo and I used to have a Credit card merchants with them. I closed the account on XXXX. I ' m no longer accept credit card because I do not have need for it anymore. I called Wells Fargo Bank in numerous occasion and complaints about it. they do not care I have been charged overdraft fees for no reason because of the credit card machine I cancel and I do not have any contract with them anymore. I have a tremendous stress on me now because the burden financial situation they put me in

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-07
Company: Omega RMS, LLC
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 was paid

Complaint:
I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Cold well banker is refuse me as it onwer .the management team .XXXX XXXX  XXXXphone number is XXXX. Refuse me decrimantion .call me XXXX. And I am not. A member of a XXXX  XXXX  a private group .all of this is illegal. He can not decrimantion on me. With this and refuse me my birth certificate rights... ..this is also I'd fraud. Who is take my place it is not me.. Coldwell banker and XXXX XXXX XXXX and XXXX XXXX, XXXX iXXXX XXXXXXXX XXXX XXXX. I am soppose to be a employee .onto said release date says for me too own it .owner and CEO .I believe all of this is past due .my employee pay ckeck is past due sense XXXX. And now my owner ship deed is past due sense XXXX. The IRS is say I owe taxes sense XXXX on this said business ... ..I got XXXX XXXX .also take from me a nother business with this business please share all this information with the other said businesses .too same stuff on them too. Filed in XXXX public contract. On the tittle address XXXX XXXX XXXXXXXX XXXX ga, and XXXX XXXX XXXX XXXX ga, ... ... ..I am owner and co owner of all said information on both these addresses in XXXX .look. At tittle good. All the information in this text spill me out as a XXXX XXXX or XXXX  XXXX. A employee .and it rolls over too owner XXXX XXXXXXXX. I have completed all the time old deceased owner XXXX XXXX XXXX, requested for me too do .sense XXXX. I have been in the ghetto for XXXX years .I have did the time .I do not want too do no more time in the ghetto .it is a panic pamdamic in the ghetto .it a mess out here XXXX and etc is going on all day .. please stop steeling from me XXXXstop give my personal principal address too someone else. Give me everything the contract is say from XXXX up too XXXX of XXXX. Bank account and Corp deeds. ... ... this is a ownership of the business complaint Coldwell banker etc.al..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have already written to this company about a year ago asking that they cease from contacting me about an alleged debt for medical that took place in 1998. I was only XXXX and not responsible for my own health care at the time therefore this ca n't belong to me. Also, I do n't understand why they are attempting to collect from me again when I sent in written request for proof and verification that this account belonged to me. I did n't receive anything and now I am receiving another letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: STATE FARM BANK, FSB
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First of all I am very grateful that State Farm responded about my identity theft case, but I have to make another complaint against State Farm. I understand that you tried to call me but I was outside the country so I couldn't respond but since yesterday and today I have called up to 5 times and all have lead to voicemail, I have left messages and nothing. But I don't understand why you give up after only two unanswered phone calls, either way what is there to talk about? I am a victim of identity theft and many negative things have happened to me because of it, there is nothing to elaborate. Do you not want to make the dispute or remove it, what is it? This accounts are not mine and never were I have no idea about any transactions with this account because this account is not even mine, end of story. I have made police reports, FTC reports, FTC affidavits, etc. I have done everything I can do as a the victim, all the information that is needed I will leave in this complaint. All the information needed that I can give is going to be and has already been given. 

The following documents will be attached : The police reports FTC report FTC Affidavits Letters of blocking requests

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: TX
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:
On XXXX XXXX and XXXX XXXX hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on the account youre currently reporting is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing these false accounts on my consumer credit report .The accounts that are being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS XXXX XXXX SERVICE BY LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings. ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE HARD INQUIRY ACCOUNTS ALONG WITH OTHERS BUT YOU XXXX ARE REPORTING THE FALSE INNACURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Computer Credit, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Patient received medical care from hospital - referring physician 's partners are owners of the hospital. 

Patient 's insurance was billed for services - but upon inspection, services billed for and/or medical treatment allegedly provided was incorrect and/or not provided. Thus, it appears insurance fraud may have been committed and Patient is in the process of conducting pre-suit discovery. 

That being said, the amount of the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a check, written on Home Credit Line with XXXX XXXX XXXX, to Bank of America ATM on XX/XX/XXXX, in the amount of XXXX, to be deposited into my Bank of America Checking Account. 

As per XXXX XXXX, the transfer of the full amount to Bank of America was completed on XX/XX/XXXX. 

Still, Bank of America has refused to give me access to this {$25000.00} until XX/XX/XXXX, more than 8 days after they have received the money from XXXX XXXX. 

I attempted to address this by first calling Bank of America, and then going to our local office here in XXXX, MO on XX/XX/XXXX. The local office manager,  XXXX XXXX XXXX XXXX XXXX stated that there was no way to release the money sooner so as of today, XX/XX/XXXX, the money is still not available to me. 

Just to be clear : Bank of America received the full {$25000.00} transfer from my personal credit line account on XX/XX/XXXX and has simply refused allow me access to my money for 8 days. 

This is simply unacceptable and illegal for a bank to refuse my access to my own money and so wish to file a formal complaint on Bank of America for this action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
At the beginning of 2020 I saw that my loan servicer Great Lakes Loan had abruptly ended my automatic loan payments. They said because it was the start of a new year. This has never happened before. I reapplied my auto payment tp see that the exact same thing happened after XXXX. The little progress I have been making has been undone because now 100 % of payments will now got to interest to pay off the nearly 1K I have in unpaid interest making it very difficult for me to pay off my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I made a payment to my XXXX credit card account that is managed by Wells Fargo. I used their automated telephone payment service and paid {$75.00}. Wells Fargo debited {$770.00} as opposed to the payment amount of {$75.00} which I normally pay. I called Wells Fargo this morning when it showed up on my bank account, depleting my funds, and they informed me I would have to wait 30 days to get the {$700.00} overcharge back into my bank account. I told them it was going to make me broke and they offered no quicker of a solution.

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 2015-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Respected CFPB, My ONLY LIFE SAVIOR! 

I AM VICTIM OF ID THEFT AND CREDIT DESCRMINATION AND HAD FTC REFRENCE AND AFFIDAVIT, AFFIDAVIT OF IDTHEFT WITH LAW ENFORCEMENT REPORT ANS WITNESS WITH NOTARY. ALL THE PROOF OF HOW WELLS FARGO IS DISCRIMINATED ME TO JUST SAVE THEM AND THEIR BRANCH MANGERS. SO, XXXX they have contract with and many more loans which I found troubling and stood up to it and now they have blocked all of my checking accounts and a Credit card whixh is direct violation of 609e, FCRA and FTC. 

There was ATM MONEY JAM, I DEPOSITED XXXX ONLY GAVE ME THE RECEIPT I NEVER SAW IN MY LIFE HAVING DIFFERENT DATES AND DIFFERENT AMOUNTS. THEN, I CALLED BRANCH MANGER WHO IS ALSO MY BANKER AND ENCOURAGED ME TO OPEN ACCOUNTS WITH HIM INCLUDING BUSSINESS. I HAVE A CREDIT SCORE OF XXXX PLUS AND I GOT XXXX BUREAUS MEMBERSHIP ALONG WITH XXXX XXXX XXXX INSURANCE FOR TAKING CRADITORS TO JUSTICE IF THEY I 'D THEFT ME OR TRY TO DESCRMINATION AGAINST AN HONORABLE CITIZEN. I CALLED VICE PRESIDENT XXXX XXXX XXXX AT XXXX BRANCH AND HE GAVE ME NUMBER TO THR ATM OPERATIONS AND SAID IT HAD HAPPENED WITH THIS MACHINE LIKE 3 TIMES ALREADY. DO N'T WORRY JUST CALL THEM AND HAVE CLAIM. I CALLED AND XXXX XXXX AT ATM OPERATIONS GOT ME A CLAIMS AND SAID THE HOLD WILL NOT PUT ON AND WE OWE YOU THR MONEY SO PLEASE DO N'T DEPOSIT ANY NEGATIVE AMOUNT. NOW THEY ALL STARTED HANGING UP ON ME AND I HAVE LOGGED OF IT AND WITNESSES WHO ARE OTHER BRANCH VP like XXXX at XXXX branch. 
Then the XXXX alerted me wells Fargo has been trying to close your credit card but as you have XXXX they do n't have any reason to do so and they have your card blocked. I then was told when I directly called executive loss prevention and executive wells Fargo office and thry said you are clear we want to know if jam happened so have your branch manger call us and then XXXX XXXX said no they ca n't call them because he never has their number. I was like you are thr one opened me accounts and stile my money being the weeks Fargo representative plz allow me to deposit because all the payments are bouncing and I am going down as being already viticm of I 'd theft they said they do n't care about FTC or neve heard of the XXXX right or who is CFPB. 

Now it 's has been 2 weeks I am jaddicapped inhave all thr cards and money but thry are not lighting thr hold. They are telling me a risk lie! As thr branch manger said that you have caught their lies and now they are scree and want to just kick you out and report yiu to XXXX which again violations alot of them! So, approving me of credit card through XXXX whom I am member and gave me a limit of XXXX how I am a risk and I ran the risk and they all come out golden 100 % clean. So, just telling me on my face in front ppl I am risk is a slap to my religion and culture and ethnicity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had contacted the Justice Dept about this http : XXXX and since I was n't currently in the Military they told me to contact you on this site to see if there was anything else that was done for anyone who " Tried to work with their Mortgage company/bank but went into foreclosure because they could n't get in touch with them. I was dealing with GMAC at the time ( 2008 ) and needed to put a couple payments in the rear in order to take care of my daughter but ended up going into forclosure. We tried to ask for a short sale as well but no response. The Justice dept just thought if there was anything I could look into it would be your dept?? Just thought I 'd ask around. Here is XXXX email from 2008. 
From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2008 XXXX To : XXXX XXXX Subject : Ref Loan # XXXX Your File # XXXX XXXX, I got your email address from your company website so if I should be speaking to someone else please let me know. 
This is XXXX XXXX of XXXX XXXX XXXX, XXXX Md XXXX I have been trying " unsuccessfully '' to get in touch with GMAC Mortgage about my Loan. As of today, I 've called XXXX XXXX and XXXX XXXX at XXXX and left her numerous messages. She use to call me back in the very beginning but now I ca n't get in touch with her or anyone. 
I 've sat on the phone for over XXXX, XXXX, XXXX, XXXX, etc..etc ... Noone ever answers and I need help .... 
When I talked to XXXX XXXX back in the XXXX she approved me going through a " shortsale '' process and we 've had XXXX some people look at our house. The price was lowered XXXX and it is still sitting even though XXXX people have come back 3 and 4 times noone has put an offer on it. 
My Realtor XXXX XXXX in XXXX Md, wanted me to find out if there was any way you could help me get in touch with GMAC? I moved my family out into a rental home a mile away and our new address is XXXX XXXX XXXX. XXXX Md, XXXX ... My cell phone is XXXX. I can be contacted on that after XXXX everyday. My wife XXXX can also be contacted at XXXX anytime during the day. 
We are trying to be " Proactive '' but we just ca n't get in touch with ANYONE at GMAC. 
I know they 're swamped but if you can give us any advice, please do ... 
We were even trying to see if GMAC would do a " Cash for Keys '' if that is possible? My home is in beautiful condition as well. 
My Realtor thinks it could sell at anytime but we just need alittle more time. The XXXX was turned off at the home though so I would hope GMAC would want to get that turned back on so the pipes do n't freeze. 
Please, Please, Please call or write me at your earliest convenience ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS 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 2022-05-14
Company: Experian Information Solutions Inc.
State: MI
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. Account XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX have violated my rights. 

15 U.S.C 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 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
Consumer complaint received 2022-08-04
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was made aware of an alleged debt of {$77.00} when I saw it on my credit report XXXX XX/XX/2022 under Collections. I have never received written correspondence or phone calls from Express Recovery Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX. When I saw it, I immediately contacted my estranged wife and asked if she knew anything about it. I did not know if the collection was due to identity theft, her debt or mine and did not know what Express Recovery Services was until I googled it after seeing the collection on my credit report.

What I have learned since is that Express Recovery was contacted by my estranged wife on XXXX XX/XX/2022. She spoke with an individual named XXXX from Express Recovery Services , Inc. During this conversation, XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by discussing this debt her.My debt is none of my estranged wifes concern. Our credit is separate but regardless, I believe XXXX violated the FDCPAs policy. XXXX discussion of this debt with my wife was a gross violation of my privacy. 

Furthermore, XXXX discussed the original debtor as Utah XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, UT XXXX. For XXXX to report that I had a debt with this medical facility implies that I have used this medical facility and therefore she violated the Health Insurance Portability and Accountability Act ( HIPAA ), and my right to privacy. HIPAA violations 4 and 5 specifically. In my opinion, XXXX discussion with my estranged wife are criminal and should absolutely come with penalties. 

I phoned XXXX XXXX on XXXX XXXX and found that the debt was mine from nearly two years ago, but they were using an outdated address. Ive been in my current home for nearly 24 years and they were using an address prior to that. However, I did pay the debt directly to XXXX  XXXX over the phone. In a further conversation is the XXXX XXXX Office Manager, XXXX XXXX XXXX, he stated that he would inform Express Recovery to remove this collection by Thursday, XXXX XXXX. To date, the collection remains. While he made apologies for the error, the fact remains, my privacy was violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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:
XXXXXXXX XXXX  on XX/XX/2022. That someone sent to XXXX and tried to close the account. I do not have any XXXX cards. I do not live in XXXX. My location is monitored so who ever used discover was not me.. I would like to be monitored to ask if its me getting XXXX XXXX. I would think I would be emailed if I received a credit card.I would like to know how someone is accessing my account with not even any text or anything, recognition to prove its me when I only log in by face.

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 2020-06-10
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS 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