BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-15
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A portion of my medical bill was sent to the California Business Bureau and I reached out to the company to find around {$80.00} dollars in interest fees were charged to my account. I was seeking to have the policy and/or information containing the companies legal right to charge interest on a medical bill sent to me. The Vice President continued to tell me it was her legal right to charge interest. I again asked her to send the policy to me and she continued to talk over me and she appeared very angry that I was asking for what I believe to be my right. I do not feel I was adequately advised as to why I was being charged additional monies on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Representative called on XX/XX/2017 and was going into detail with a third party about an account that they claim is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Bank of America account was accessed at on XX/XX/2021 XXXX The transaction posted on XX/XX/XXXX ) {$240.00} was illegally taken from my account at the XXXX XXXX in XXXX. I reported it to Bank of America as soon as I became aware of the loss. They denied my claim ( They stated : " We made this decision because : The charge was authorized by you or by someone who has permission to use the card or account. '' ) Let me be clear, I did not make this charge nor did I authorize anyone to make this charge at XXXX XXXX. 
XXXX Bank of America Claim # XXXX XXXX When they took this {$240.00} it emptied my bank account and then when legitimate bills were paid the bank assessed several overdraft fees. 

My Bank of America account was accessed a second time on XXXX XXXX XXXX This transaction posted on XX/XX/XXXX XXXX This time {$220.00} was taken. The Thief again accessed my account at a XXXX XXXX, this time they use the branch in XXXX. I reported it to Bank of America as soon as I became aware of the loss. They denied my claim ( They stated : " We made this decision because : The charge was authorized by you or by someone who has permission to use the card or account. '' ) Let me be clear, I did not make this charge nor did I authorize anyone to make this charge at XXXX XXXX. 
XXXX Bank of America Claim # XXXX ) When I spoke to a representative at the bank they said they contacted XXXX XXXX on the first claim but XXXX XXXX did not respond. There is no way they can legitimately arrive a the conclusion that I or anyone I authorized made these charges as they claim. Again, let me be clear - both of these were thefts - I did not make these charges nor did authorize anyone to make this charge at XXXX XXXX. 

I have made a report for fraud and Identity theft with the XXXX Police Department - File Number 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 monetary relief
Consumer complaint received 2021-06-20
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I received a message from Binance.us saying there were not enough funds in my bank account to cover an ACH deposit. I cleared the problem quickly and made sure to deposit more in my Binance.us account to cover the failed deposit. Since that day, I have been unable to withdraw funds, either in USD from Binance.us to my bank, or to transfer cryptocurrencies out to another exchange. I only see the error " Withdrawals suspended due to risk management ''. I filed a support ticket, and in nearly a month, I've heard nothing from Binance.us support. Seeking more help on their website leads only to a FAQ that says, essentially, " Sorry but we have a lot of people who need help, please keep waiting ''. There isn't really any excuse for holding people 's money and giving them no way to speak with anyone at the company. If this company is regulated in the US, they should have their license pulled as would any financial institution that absconds with users ' funds. 

My support ticket number is XXXX, and my user ID for the account is XXXX. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been banned by PayPal from using their app. They indicated I have violated their policy on firearms. I do not sell firearms or ammunition. I only sell accessories. I have attempted to contact the company several times. They never respond. Currently PayPal has locked my account and is not allowing me to access monies in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was a customer of the XXXX XXXX program where they submitted payments to the mortgage company on your behalf in an effort to pay off your mortgage earlier. The program worked great until they were sued. XXXX sent me an email letting me know they had been shut down but they already had my funds and they would make my payment. XXXX never made the payment and before I realized they did n't I was reported 30 days late with Caliber Home Loans. I have tried to dispute the charge but they refuse to remove it from my credit report. They said it is my fault I used a XXXX party company. I have filed XXXX disputes with Caliber home Loans and XXXX disputes with all three credit bureaus. Caliber refuses to remove it despite my good payment history in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Assets is relentlessly calling my home. My husband has taken all of the calls and has told them to stop calling. The calls have come in the morning and at night, and it appears to be a different person each time. They do not identify themselves, and do not say why they are calling, but I understand from doing online research that PRA is a collection agency. I do not have any outstanding debt, my credit is in good standing, and I do not know why they are calling me, but it has gotten to the point of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Call several times a day for years. Told them more than once, the person you are calling has not lived here in 30 years, I ask that they please take my name out of their database. They literally have been calling for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am an XXXX employed with XXXX XXXX XXXX XXXX. I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with Fair Collections and Out and Collins Asset Group or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery continues to report a debt on my credit report that does not belong to me. They are calling and harassing me to to pay or settle an account that does not have my social security number and that belongs to a business called XXXX XXXX. I have never given XXXX XXXX expressed or written permission to establish credit with my social security number. I have written the credit bureaus and the creditor numerous times to remove this erroneous information from my credit report and to validate this account or to cease and desist from collection activities. I have yet to receive any validation and both Portfolio Recovery and the credit bureaus refuse to take any corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: AR
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 recently pulled my consumer report and contacted equifax regarding false and erroneous inquiries on my report. I have done no business with these companies and would like this information cleared immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX Office of Consumer Financial Protection Bureau Dear Sir or Madam, I am requesting that Toyota Motor Credit Corporation be reported into the category of companies that are using deceptive and unfair business practices against American People. 

In XXXX XXXX, I contracted a car loan with Toyota Motor credit to purchase a car XXXX XXXX with XXXX # XXXX for a length of five years contract in XXXX XXXX XXXX XXXX, California. 
In XXXX XXXX, when I lost my job due to the Economic recession, my car was repossessed after I missed a payment with a remaining balance of the amount of {$1500.00} to paid off my auto loan. 

XXXX never responded to my inquiries to know how much my car was sold? What have they done with my belongings ( XXXX )? 

After almost after 14 years, I am still paying thousands dollars of hoax interests to this group of XXXX Toyota Motor Credit and their corrupted collecting agency law office of XXXX. 

I am asking to the CFPB to request from Toyota Credit Motor on my behalf, the legal copy of the document of the sale of my repossessed car ( XXXX XXXX with XXXX # XXXX ) with the amount that the car was sold in that year. 

IF Toyota Credit Motor refuse to show this documents, then the CFPB must give order to Toyota Credit Motor to stop its deceptive collection business practices on my account. 


Sincerely, XXXX,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated calls from without leaving a message from a number i do not know XXXX. I finally answered and it was someone claiming to be from XXXX XXXX trying to collect a debt from XXXX years ago and wanting me to submit payment over the phone of {$1800.00}. This debt was charged off according to the caller, however, i have no recollection of even having a XXXX XXXX account then. I keep up with my credit report regularly for several years now and have not seen this at all. I told XXXX that I am not submitting any kind of payment over the phone for a debt I know nothing about and asked no one call me again about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 NO KNOWLEDGE I HAVE NO INFORMATION I HAVE NO WRITTEN DOCUMENTATION I HAVE INFORMATION ABOUT THIS COMPANY I DID NOT AUTHORIZE THIS COMPANY TO SUBMIT OR RELEASE INFORMATION FALSELY AGAINST ME I DID NOT AUTHORIZE THIS COMPANY TO PLACE FALSE UNAUTHORIZED UNPROVEN FASELY ATTEMPTED INFORMATION FOR A PROFIT WITH AN ATTEMPT TO CAUSE HARM

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 2016-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I did not authorize the credit inquiry dated XXXX/XXXX/2015 to Capital One Auto Finance and ask that this inquiry be removed immediately as I did not authorize it and is a fraudulent Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I disagree with the settlement offered by Comenity Bank under Complaint IDs : XXXX and XXXX. 

They only reimbursed the interest charge of {$14.00} ( XXXX statement ) stating that XXXX payment was delayed due to address change of their processing department. 

The notification of this address change DID NOT show up until my XXXX statement! Therefore, the XXXX statement interest charge of {$17.00} and the XXXX statement interest charge of {$10.00} should also be credited back! 

The minimum payment of {$35.00} on XXXX was only sent to avoid late charges AGAIN, until Comenity could apply the payments that were delayed due to the address change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Google Compare Credit Cards Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Google Pay took money out of my checking account. No actions were taken by the company. There holding my money for 7 days for no reason. {$19.00} was taken out of my bank account with no recollection of even sending money at all. I believe they stole money from my bank account and its just sitting and pending and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX account number XXXX is reporting a late payment on my credit report from XXXX/2020 this is in accurate information and violate my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-06-21
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company was not aware that my municipality taxes property twice a year. Therefore, they did not pay my most recent tax bill ( Winter 2020 bill ). Ive contacted their customer service over the last several months and they stated that they will address the issue. However, they have not paid the tax bill. I have recently received a Notice of Delinquent Property taxes from the city. The company in charge of the escrow account is Dovenmuehle Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Bepensa Capital, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed a vehicle through AFS on XXXX/XXXX/2014, with a loan agreement of {$13000.00} owed at a 19.95 % finance rate. I made 16 payments on this vehicle, totaling close to {$7000.00}, and was in a car accident and the vehicle was totaled. My insurance company paid AFS {$10000.00}, making the total amount paid on this loan over {$21000.00}, with it being reported that over {$6500.00} was paid towards interest. I paid off this vehicle in 16 months when it was a 50 month loan and it specifically states in the documentation that there is no penalty for paying off the vehicle sooner. Given the fact that I made payments of {$400.00} each month, for 16 months always on time and the total paid by my insurance company being over {$10000.00}, AFS charged me a finance percentage rate of nearly 50 %, when it should have stayed the 19.95 per our contract. I am owed at least {$3500.00} according to their own record keeping and contracts I had signed when purchasing the car.

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 2021-08-02
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:
I submitted a dispute with my FTC report on XXXX which base on USPS was received on XXXX at XXXX XXXX EST. when I spoke to a representative she stated it was uploaded on the XXXX of XXXX. I have received an email today XXXX to tell me that my investigation was completed when I looked at the report status updated as of XXXX. I have attached a copy of what was sent and a copy of my FTC report for my dispute. The account was not properly investigated because how can I send the FTC in XX/XX/XXXX but investigation is completed in XXXX or even XX/XX/XXXX that's because they did not investigate my case.I need them to take the FTC report in consideration and remove this off my report because it is not accurate. The report number is located at the top of the what was sent to me

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 2021-06-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
At the end of XXXX, Chase Bank allowed for the first of two fraudulent {$1200.00} checks to be cashed against my account. I have had 4 previous issues with this account and fraud occurring. On XX/XX/2021 I had a meeting with Chase asking them to add security measures to my account, including photo verification on any withdrawals, yet these instances of fraud continue to happen. Now Chase has told me that I'm going to be responsible for these two most recent fraud transactions which I can not afford and I should not be responsible for per my understanding of FDIC rules. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
For more than 5 years I carried a balance in excess of {$5000.00} with U.S. Bank on a credit card with a high interest rate. Each month payments were made automatically from my bank account to U.S. Bank. In XXXX 2014, I paid the account in full and discontinued the automatic payments. Months later I received a call from U.S. Bank stating that I was delinquent on my account. Apparently interest had accrued on the account, even though the balance had been satisfied. The customer service person apologized for the error and agreed to have the balance waived. Roughly 30 days later, I received another call ... .again indicating my account was delinquent. I explained the situation and was transferred to a manager, who again told me that the balance would be removed. The account was closed at my request. I reviewed my credit report last week and discovered I have a delinquent charge on my account from U.S. Bank, drastically reducing my credit scores. I would like the delinquency removed from my history and my credit restored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my account from a credit card that was fraudulently charged I have tried to get this removed numerous times The company has constantly put it back on my report I have tried contacting them for years but have never heard back

Company response to consumer: Closed with explanation