BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Mercedes Benz Financial Services
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am XXXX Very Bad, XXXX, is hurting me causing damages to my Credit score, Health, Overall Life in general, where as I am due to relocate this month and can not let them check my credit due to XXXX, dropping my score drastically. It has cause headaches and pain not to mention XXXX, XXXX anguish, knowing my chances are next to none now because of XXXX. I have reached out to them multiple times Certified Mail, and they Ignored My Concerns of the Contract that was signed The Dates Were in facts incorrect which means Billing Error, Fraud and False Statements as well as Misleading Representation, I immediately Reached out to XXXX XXXX XXXX to Current all Certified Mail. XXXX Keep Sending The Same Documentation With Contract Dates and Letters From Vice President XXXX XXXX and XXXX XXXX Stating False Information. This is Clearly a Billing Error as we as Misleading Representation. The Date I, The Consumer entered XXXX making a purchase XX/XX/2021, Which is Not The Same Date on Contract Which States XX/XX/2021 and all other Letters Sent in By XXXX Stating XX/XX/2021, I then Ordered Information On Vehicle From DMV to Find Out XXXX has Committed Forgery by Forging my signature to power of Attorney Dated XX/XX/2021, I, did Not Swear Under Oath and Sign Power of Attorney Paperwork Nor Has XXXX XXXX In Front Of Me Nor Notary Dated XX/XX/2021 Whose Name Appears With Her Signature. XXXX Forged My name on Back of Title Vehicle Signed Again By XXXX XXXX. I, Demand XXXX In Writing to Rebut My Statement of Billing Error 's, Date 's, Forgery, False Statements as well as Misleading Representation, If Not Answered Here Through Third Party CFPB My Statement Stands as Truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The Bank I Bank with charge me overdraft fees for transactions that was made due to at the moment funds not available due to my bank holding the funds not releasing it upon availability. Even their own online banking system shows there's no overdraft funds made and they charged the overdraft fees.

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 2020-03-06
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a bill from Balanced Healthcare Receivables at  the beginning of XX/XX/2020. I called XXXX XXXX at the number to tell them to cease and desist or I would contact CFPB. They said okay. I was fine with this acknowledgement. However, after contacting the originator of the healthcare fee listed on document to follow up, XXXX Hospital, the Hospital billing department told me that I had a {$0.00} balance. That made me think that this mailing was a scam so I wanted to contact you regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX BANK XXXX XXXX  - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX/XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months.

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response.

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account.

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 2016-11-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I am TRYING to get the original loan documents because : 1. I want to find out WHEN these loans are PAID OFF ( I am under the impression it is a fifteen ( 15 ) year loan and have been told ( docs attached ) of the MINIMUM payment required to PAY OFF these loans ( there are XXXX LOANS ) I NEED to know the following : 1 ). what do I have to pay MONTHLY in order to pay these off. I am currently paying {$890.00} total for BOTH loans and need to know the pay off date based on this payment. 

2 ) I was told the interest rate would be REDUCED if I had AUTOMATIC MONTHLY PAYMENTS but am getting evidence to the contrary. 

3 ) I do NOT WANT this to be AN INTEREST ONLY payment. HOW MUCH DO I HAVE TO PAY ON BOTH LOANS to pay this off in FULL by the SCHEDULED payoff date of fifteen years ( 15 years ). This would be a PAY OFF DATE OF XXXX AS I WAS TOLD THIS WAS A FIFTEEN ( 15 ) YEAR LOAN WITH INTEREST AND PRINCIPAL. 

4 ) WHAT is the ACTUAL principal for each loan? 

I have called and asked WELLS FARGO SEVERAL TIMES and am NOT getting the information I need. They tell me I am not authorized to speak on behalf of my daughter, XXXX XXXX BUT SHE SIGNED an authorization to allow me to speak on her behalf. 

I need clarification. I am NOT getting this from Wells Fargo. 
I need the ORIGINAL LOAN documents for XXXX LOANS, which I do not have and they are NOT CO-OPERATING in providing these documents. 

I have paid this EVERY SINGLE MONTH, ON TIME, with AUTO PAY every month since XXXX. I Want a pay off date and amount required EACH MONTH to attain this goal.

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 2018-11-06
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A few years ago I had service with XXXX. I went ahead and fulfilled my obligation with them until I decided I wanted to cancel services. Once I did, I went in person to cancel services and pay for any final charges. They gave me an amount and said I was done. I asked in person if I needed to return my equipment to them and I was told no. I was told that I had purchased the equipment and it was mine to keep. 

Here we are almost in XX/XX/2019 and I see a brand new collection for XXXX or rather XXXX now. I call XXXX and they don't seem to know why I owe them any money. I then call the collector named Waypoint and am told that it is for equipment charges. I fight with Waypoint because if XXXX couldn't tell me what the bill was for how would I know if I really owe for equipment charges? In the end I was told that is what it was for. I was upset but decided against making a big scene so I explained how I was told I had purchased my equipment and paid any amount due at the end in person. I said that I would go ahead and pay for the equipment even though I was specifically told that there was no money owed and the equipment was mine. Waypoint refused. They said they wouldn't remove anything from my credit report. I was more upset. 

After Waypoint refused to remove this account from my credit report even if I paid i began getting more upset. How is it that someone can go in person to a company they have no contract with and pay them their final bill in person. Then ask the company for any other moneys owed and told there isn't any. Ask the company about returning their equipment and told the equipment is now owned by the person. Never receive a bill. Never receive a phone call. Never told there is a collection. And then told that even though none of this is their fault, but regardless of whether the collection is paid or not, it would still hurt their credit report. How is that fair or even reasonable? How is it logical? 

I really don't believe this is right. I understand Waypoint isn't the one sending me to collections when I was told I didn't owe any money and equipment is mine, but I don't believe Waypoint should collect this money or credit report it when they have been informed of the circumstances. To collect this debt knowing full well that I have been lied to or cheated now involves them in the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
What happen was that I hired a Realtor to sell my home which I 'm upside down in. He explain to me that I could apply for a Short Sale with my mortgage company Wells Fargo Mortgage Co. Well he started the process with the short sale department and gathered all the information requested by Wells Fargo and submitted it on time. An appraisal was done and just as I stated I was under water with my loan. My original loan amount was {$240000.00} and the appraisal value came back {$130000.00} Then Wells Fargo requested bank statements, earning statement, proof of income ( SSI & VA ). Once I provided these documents to Wells Fargo they requested letters of explanation of deposits and withdrawals. I provided them with letters as requested. Now things started to get strange because Wells Fargo began to request documents and letters of explanation that has already been provided. They kept asking me where this money came from or what this deposit was for and so on. Requests started duplicating them self. They kept asking for letters and documents that has already been provide. At this point the case manger replied that she would not continue my case if I did n't provide her with the duplicate request. So I requested to speak with he supervisor. Once on the supervisor she also was very disrespectful and stated that if I did n't submit to her the duplicate request that she would close my Short Sale file as well. Then she hung up one me. This type of conduct was not acceptable and prompted me to make this complaint. Also, my case manger never return calls to my agent for two to three weeks at a time. Gave no explanation on why duplicate documents was being requested or why case would not return calls or emails to my agent. Please see attached file to prove my case and concerns. 
Sincerely, Disgruntle Customer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: TX
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 pulled my credit and I noticed that there were some incorrect items on my report, I have been contacting them since  XXXX . They have still not responded to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am writing to dispute the following operations to my account that were not carried out by me in any physical or online form. I obtained this list by calling the telephone number of attention in XXXX that is on the back of my debit card ( XXXX ). 


Date Merchant/Operation Amount Reason for dispute XX/XX/2022 Cash Withdrawal {$8500.00} This transaction was not carried out by me or with my consent XX/XX/2022 Cash Withdrawal {$19000.00} This transaction was not carried out by me or with my consent XX/XX/2022 Transfer made in a branch {$2800.00} This transaction was not carried out by me or with my consent. I did not go to any Wells Fargo branch to make such a transfer. 
XX/XX/2022 XXXX {$69000.00} This transaction was not carried out by me or with my consent XX/XX/2022 Debit {$45.00} This transaction was not carried out by me or with my consent I opened a claim about unauthorized changes to my personal information on XX/XX/2022, the claim number is XXXX. I informed the bank I could not go to any Wells Fargo Branch for the next few months during the call. How is it possible that the bank did not put a hold on my account and allowed these unauthorized transactions of thousands of dollars after I filed the claim, knowing those are not usual transactions I would make. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amounts be credited to my account, that I get an accurate statement, and that my account is put on hold until I can physically go to a Wells Fargo branch to have my personal information updated and to prevent future unauthorized transactions.

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 2022-03-15
Company: EQUIFAX, INC.
State: OH
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
After discovering this issue while trying to apply for a new mortgage, I tried the customer service numbers online. Each one was a dead end nobody seemed to know who to talk to about this issue at Wells Fargo. I closed the accounts in person and they do n't tell me that I still owe money?! I ended up going into the branch where I got some actual customer service. The lady worked with me to try and get me to talk with the correct people and actually appeared to be making progress to resolve this while I was sitting in the branch. The best customer service that I ever experienced at Wells Fargo. Before leaving, we submitted a letter to the credit department and they said that within 10 days they would resolve the issue with the credit bureaus. 9 days passed and I checked in to make sure that I could still expect the 10 days that I had been promised for this issue to be resolved. She broke the news to me that the process had n't been started since the paperwork was not transferred properly. At this point, I was up against a deadline and needed resolution immediately. It was going to be another 10 business days before I could even think about it being resolved. I spoke with a manager to see if there was anything else that could be done and spoke with one other department. The final outcome was that Wells Fargo would not admit any fault in not closing my accounts properly, not reporting to me that they believed I was late on payments, and causing my credit score to drop a substantial amount. I believe that going into a bank and talking with a banker to close accounts should be the most foolproof way to properly close accounts. This is not the case with Wells Fargo. In addition to not closing properly, there were not any phone calls made to me explaining the situation ( that they did n't properly close my accounts ) until they had already negatively reported against me. In the end, I 'm going to pay a higher interest rate on a 30 year loan over $ XXXX due to Wells Fargo 's negligence in properly closing accounts and properly contacting me when something was not up to standard on my account.

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 2015-12-14
Company: Mid-America Accounts Control Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have asked for but have not received any sort of statement showing what I owe and to whom. I have also asked that they not call me at work but yet they continue to do so. I even provided them with my cell phone number instead. 

I have offered to submit money to this account on a monthly basis once I receive documentation of the outstanding bill. They refused to accept any sort of payment unless it was {$250.00} or more a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Capital One mislead me and then lied to me about bank account opening bonus and is now refusing to honor the offer after I have met all the requirements for it Capital One advertised this offer XXXX and I applied for a new account recently and set up my direct deposit etc and met all the requirements for the bonus. 
I called today to check on the bonus and they are now telling me that I am not eligible for the bonus. They put out these advertisements out there and then refuse to honor them. When I opened the account, I read all the fine print of the offer and it had no language regarding there saying that it is for specific people only. They ca n't put out these offers and then deny people the bonus when they have gone through the effort of opening the account and setting up the direct deposit, etc Now they have added this to the fine print but it was not there earlier " If you did not receive an email or mail piece directly from capital one 360 with the above code, you are ineligible for this bonus offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Avant Credit Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Called in on XX/XX/2020 to Avant Credit Card customer service asking to get my pay off balance. I was informed the pay off was XXXX ( which was the same balance on my phone app ). I hung up went on the app and paid my balance in full. Then on XXXX I was checking to make sure my payment ( that had already cleared my bank ) was posted and that my availability was back to to credit limit. Upon signing in there was a payment of XXXX  on my account and the payment was still not reflected. I called and spoke to customer service and they could not explain things so I asked for a supervisor. A supervisor named XXXX? Called me and stated that my payment posted on XX/XX/XXXX but, interest was generated on XX/XX/XXXX. I explained that because I paid it off there was no balance to charge interest on. I also asked why the balance was not reflecting my payment even tho its cleared the bank and she can see it was received. She said they hold it 10-15 days to make sure its cleared. I told her that is not right and I do not feel Im responsible because I think they are drawing this out for the companys benefit. I asked for someone above her and she told me there was no one above her. I said so youre the top person at Avant? She said no just of this department. I asked who else I could talk to ... she said you want to escalate this and I said yes. She then typed an email and told me it would be 15 days before I could hear from them. I told her that in the mean time I would be filing a complaint with consumer finance ... the response I received was ok Any questions please call XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: AK
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 XXXX XXXX XXXX XXXX XXXX XXXX, has 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 a account without my written instructions.

Company response to consumer: Closed with explanation