BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from GLA Collection Company dated XX/XX/2019 regarding a medical debt for {$42.00} that I did not owe. On XX/XX/2019 I contacted my doctor 's billing office and they confirmed I did not have an outstanding balance and that this was not a valid debt. They also stated that I was the 3rd person to call on this day that also received similar letters and that none of those were valid either and that GLA Collection Company made a mistake and sent these letters in error. I then mailed GLA a letter disputing the invalid debt along with this information and requested they cease communication with me ( Mailed on XX/XX/2019 & received by GLA on XX/XX/2019 ). 
2 years later, I receive an automated dialer call with a pre-recorded message on my cell phone from GLA. After several minutes I am connected to an agent asking me to pay on this same invalid debt. 
GLA Collection Company needs to correct their records on this invalid debt that they have refused to validate with my medical provider. They also need to stop calling me with an automated dialer with recorded messages as I have never given GLA permission to call my cell phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Experian Information Solutions Inc.
State: VA
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 have never apply for this companies. i believe that somebody used my personal information to apply for this. I'm not responsible for this inquiries.

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 2016-01-17
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting a debt to my credit reports that I do not owe ; however, even if I did owe this debt, according to this companies records, is past the 7 year reporting period. 

Therefore, while I do not owe the debt, even if I did, their reporting is still illegal. 

Please assist, and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After having funds deposited from NJ Unemployment, Charles Schwab froze my account. I now have no access to my brokerage account or my unemployment funds. The documents they had requested I already submitted. Currently feels like my unemployment funds have been stolen by Charles Schwab during these very trying times.

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 2021-01-15
Company: CITIBANK, N.A.
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I ordered flowers from a company called XXXX XXXX XXXX XXXX. The charge for the flowers and delivery was {$130.00}. The company charged me seven times for the one delivery. After the vendor did not resolve this as promised I contacted Citibank by phone. They initially issued 5 credits when it should have been 6. Over the months credits have been reversed then reinstated and at this point Citi still owes me 2 credits ( case # XXXX XXXX XXXX and case # XXXX XXXX XXXX ). These disputes have been outstanding for over 60 days and despite multiple calls and emails no-one can tell me why they can't be resolved.

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 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have sent numerous Qualified Written Requests to Bank of America on behalf of a client of mine. They have never acknowledged receipt of the letters, nor provided the information I requested. I have sent these letters to the correct address : Bank of America , N.A . 
Customer Service CorrespondenceXXXX XXXX XXXX XXXX, CAI have also asked for simple information. I seek only to know the identity of the investor or owner of the loan, and contact info for that person or entity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Leaders Financial Company
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This loan from Leaders Financial is not my. XXXX XXXX is responsible for this account. I wish this to be removed out of my account because its not mine. I tried disputing but its not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Debt Recovery Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any correspondence from this company to advise me of this account. I found out when I received an alert when it was added to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
A Deed of Trust were procured by fraud involving INDYMAC BANK in XXXX. In XXXX, FDIC closed INDYMAC 'S doors and reopened it under INDYMAC, XXXX Request for FDIC to provide information relating to this erroneous loan in which INDYMAC BANK claimed to have " paid out '' an outstanding debt to " XXXX '' in XXXX. The purported loan number is XXXX. Require FDIC to show the equal consideration of the loan balance that were received for this loan in XXXX, after INDYMAC filed for chapter XXXX and debts were discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A credit card was open under my name as a result of a identity theft with exxon mobile. Reported the account as fraudulent, but they are still reporting me as responsible for it.

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 2021-01-15
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted RISE via chat on XX/XX/XXXX to try to get an item removed from my credit report. The lady I spoke with said they did not have an account for me and they should not be reporting anything on my credit report but when I pulled my credit report today I saw RISE reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: MOHELA
State: NY
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:
Hello, On XX/XX/XXXX, I requested a refund of all loan payments that I made from XX/XX/XXXX to XX/XX/XXXX. Unfortunately I only received a refund for the XXXX payments that I made. A month ago, I requested the refund of XXXX $ payments that I made during XXXX that the company missed to refund me with the XXXX payments. I have been waiting for a month now to get my refund. Please help. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The bank is terrible. When I got my car, I told them that the car dealership lied to me and the co-signer about the loan we were signing and to take his name off because they told us once I update my license they can remove him. But now the bank and the dealership are saying they cant. This man just signed as a co-signer because he liked me and thought he could win me over if he did it. I was XXXX ; I didnt know any better. The guy is XXXX or XXXX XXXX XXXX and was just trying to get me. I didnt know none of this. I told him just because you co-sign doesnt mean I want to be with you. He started threatening me and texting all kind of evil and crazy things. I had to rent out my apartment and move because Im scared of this man. The dealership and the bank said they cant do anything, but I know they can and that my life is at danger. And I didnt know all this was going to happen like this. This is my first car, and I felt victim to a man who gave me a ride to the dealership and the bank with this issue and interest rate. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
HSBC ( Hongkong and Shanghai Banking Corporation ) dba : Household Finance Corporation ; Beneficial Finance XXXX XXXX XXXX XXXX, XXXX, MN XXXX The Mortgage Bankers at HSBC gave us a sub-prime mortgage loan on which they foreclosed in XX/XX/XXXX. 
Our family has not been compensated for the illegal foreclosure of our home during the XXXX foreclosure crisis. We are asking that we be fully compensated {$300000.00} for the bank 's seizure of our home. There are millions of dollars floating around within the financial systems to compensate families like ours, yet we have not received compensation for the seizure of our home. 
My son was XXXX XXXX XXXX when our home was Foreclosed. He is now XXXX XXXX XXXX, and through his studies at school he has become well educated in the 'Troubles ' of XXXX XXXX and the XXXX Conflict. Similar to these situations our family was DISPLACED. We have been homeless and domestically unstable since our house was seized XX/XX/XXXX and then immediately sold on the Foreclosure Market for well below it 's actual market value. 
I have had discussion with my son regarding the conflicts that arise in other parts of the world when people are displaced from their homes. I told my son I do n't want to talk about XXXX and I do n't want to talk about XXXX anymore. I want to talk about the XXXX and getting XXXX and XXXX XXXX ( our family ) compensated for the sub-prime mortgage foreclosure of our home XX/XX/XXXX. We are asking to be immediately fully compensated for the illegal seizure of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received the attached email of what appears to be a fake debt collection attempt. I don't believe it to be a legitimate debt collection and I do not owe such amount to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medicredit Debt Collection Agency contacted me via mailing in XX/XX/2020 about a medical debt from the billing department of XXXX XXXX  in XXXX, NC. I contacted a XXXX XXXX XXXX, XXXX XXXX in the billing department and verified the debt amount owed, as well as, the medical service date. Soon after, I reached out to Medicredit Debt Collection Agency to settle the debt owed from XXXX XXXX. 

In XX/XX/2020, I paid the verbally agreed upon debt settlement amount reached with XXXX, a Supervisor from the Medicredit Debt Collection Agency location in California based on an agreed upon percentage amount within the month of XX/XX/2020 ; I have submitted proof of the two adjusted payment amounts which were email receipted to me on XX/XX/2020 and XX/XX/2020. 

Also, I was also told once the debt was settled that the debt collection would be removed from all three credit bureau reports within 30 days. Medicredit Debt Collection Agency has not kept the pay-off agreement by removing the debt from my credit reports and continues to perpetuate a non-existent debt as being unpaid.

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 2020-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/20 I called Bank of America. They were going to mail a check in the amount of {$430.00}. They quoted 14 business days. On XX/XX/20 I called and was told check was stolen and they would re-issue check. I called again on XX/XX/20 and was told by Supervisor, XXXX ( he refused any other id ) that he would reissue another check. I never received and called back. They said they would stop payment and send money to my savings account electronically-5 business day time frame. I never received that either. I called again on XX/XX/20-per Manager, XXXX, stop payment was ordered, but representative failed to issue the electronic payment. I am now quoted another 10 BUSINESS DAYS. I have given this bank plenty of time to rectify this matter. I now feel deceived and betrayed by false reward promises. This is consumer theft!!

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 2015-08-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom it May concern ; For the third time in XXXX years, I have quit receiving my monthly mortgage statement! 
the statement I use to pay my mortgage payment. I generally have to call customer service to order them to start issuing my statement again. the company is : Ocwen Loan Servicing LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hello XX/XX/XXXX some how there system allowed some one to transfer XXXX out my saving account and sent to someone else. The card we have you use your real social and info to get direct deposit. It showed me her name and I search her on XXXX she stated that it got sent to her and continue making jokes. Please help me .... Me and my daughter need this money that was my tax refund. I have bills to pay and have feed my daughter. Can some please call XXXX and assist me immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I ( tried ) to use the American express serve prepaid mobile app to deposit a check, which they say takes up to 6 days to apply the funds. I assumed it was to ensure the check cleared. What they do n't tell you is that they use a vendor to evaluate whether or not to accept the check. They check I deposited was rejected and even after speaking to a vendor rep I have no idea why. The information is proprietary and they wo n't tell you why a check was not accepted. They do not provide guidelines of any sort, which means any check can be rejected for any reason. Their excuse is that it is an app and we should n't expect every check to be accepted. The problem is that the American express serve prepaid website and the app do not give any indication that the check will be put through this arbitrary process. this need to be fix I am scared to use their mobile check app fearing that when deposit a check that it will get rejected for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We sold our home in XX/XX/XXXX, the mortgage of that home was serviced with Dovenmuehle Mortgage Inc. At closing we had an outstanding balance of {$5100.00} in our Escrow that was to be reimbursed to us. 

No payment has been received. 
XX/XX/XXXX we called asked for payment status, Dovenmuehle said it was in the mail to wait 30 days. 
XX/XX/XXXX - Called Dovenmuehle said check was lost in the mail and need to wait 30 days for check to be cancelled and confirm it didn't get cashed. 
XX/XX/XXXX - Called, Dovenmuehle said it was not tagged in their system correctly, said it was fixed and to wait another 30 days XX/XX/XXXX - Said check was mailed in XXXX - we ask for proof of payment, said they could not provide that and then when we ask when should be get our money they replied it will take time and one day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have never apply for this companies. i believe that somebody used my personal information to apply for this. I'm not responsible for this inquiries.

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 2020-03-20
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:
I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
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:
I am writing to request the assistance of the CFPB in connection with a dispute I submitted to Experian. On XX/XX/2020 my attorney sent a letter to Experian with back up documentation disputing the existence of three fraudulent accounts on my credit report. They include : XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. In addition to providing the statutory authority for the demand for blocking these account, my attorney provided a notarized affidavit, and FTC complaint, as well as a police report filed with the XXXX XXXX Police Department. 

Despite the ample documentation, Experian has refused to block these accounts from my credit report as required by California Civil Code 1785.16. Our position is more fully described in the attached letter from my attorney and the back up documentation enclosed with that letter.

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 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I found some one used my personal information and open credit accounts

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 2018-06-18
Company: EQUIFAX, INC.
State: CA
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 have a block on my credit files with XXXX, XXXX and Equifax. In order for me to accept or request credit the creditor must physically call me by phone and ask for permission to check or verify my file. 

This was not the case, I didn't receive a phone call from the this creditor XXXX XXXXXXXX XXXX and now I have an Inquiry on all 3 credit files as of XX/XX/2018.

Company response to consumer: Closed with explanation