BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX and they said the only bill I had with them I paid/settled last year and I dont owe them anything. I have no idea what bill these people are talking about when I have NO medical debt at all. I will also be contacting attorney general and filing complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: U.S. BANCORP
State: FL
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:
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681XXXX

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 2016-09-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have repeatedly asked XXXX simple questions and have received XXXX pages of paper work but have not received a truthful answer from XXXX XXXX. She refuses to seek the truth and give a truthful answer. 

1st Provide me with legal documentation that XXXX XXXX was served with a Lis Pendes at his residents from your attorney. You keep providing false documentations. and Wells Fargo supports and improper foreclosure proceeding denying a XXXX yr old XXXX Veteran his right to contest your actions in court. 

2nd A simple question just answer why there was XXXX different reason for denial. If Wells Fargo or the HAMP program only grants XXXX in a 5 yr period that should have been stated in the first applications. 
Simple questions which only require XXXX line answers not XXXX pages and 45 days to reply. 
I have spoken with XXXX XXXX and have asked her to contact her attorney to give proof tha XXXX XXXX was served at his residents not the rental property in question. She has not returned my call in weeks.

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 2015-07-21
Company: SUNTRUST BANKS, INC.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This loan collateral collection agency, has made multiple calls to my phone per hour, and has egregiously called members of my family, who bear no rights or responsibility to my private financial matters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
If Experian, XXXX and XXXX all get their information from the same source and this account was disputed with all credit bureaus then XXXX and XXXX both removed the account due to it not reporting accurately, why is it that Experian is still reporting this account on my credit report? 
This XXXX XXXX XXXX account I have no knowledge of and it has been removed from my credit file by XXXX and XXXX after their investigation. However, Experian still reports this account to my credit file as if its actually accurate. I would like to know what solid evidence are they using in their investigation to decide that theyre not removing this inaccurate item.

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 2021-04-20
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was sent a deposit of {$3200.00} on XX/XX/XXXX. PayPal closed my account for no reason and made me wait 180 days to withdraw my available funds. It is now XX/XX/XXXX ( 181 Days ) AFTER the restriction and closing of my account, and now they are telling me I have to wait until XXXX to withdraw my available funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Report shows " Account in dispute '' and have had no update in six months

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 2022-11-08
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-12-13
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
Somehow my number was stolen and used to purchase merchandise online. I immediately noticed the charge and tried to call to get it figured out. I get my social security survivor benefits through Direct Express, and as far as I can tell so does anyone else who does n't do direct deposit. My issue with this company is that they have only one way to get a hold of them, one phone number. I am on day 12 of trying to get this money back that was stolen from me. I call every single day, at least 3 times, and the automated operator who comes on when they transfer you to a tier XXXX agent, just says it 's too busy, call back later, and hangs up. I have only made it through twice, and that did n't go well. They re saying it will be at least 8 weeks to refund the money back to my account. I do n't understand why they have that right, I feel like i 'm being victimized by them, I have had no help whatsoever in this matter. I even got the address to where the stolen merchandise was sent, and they don, t care, did n't want the info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint through CFPB on Bayview loan servicing for reporting false information to the credit bureaus a few months ago. They responded to the complaint apologizing for their errors and stated that it was their mistake for the missing payments as monies had not been applied properly. I have refinanced to another company and Bayview updated my credit report to {$0.00} balance which IS correct, but they put all of the derogatory payment history back on my report which they already acknowledged was their fault. Per my lawyer and the judge, they were required to remove all of the false information from all of my credit reports. This has once again negatively affected my credit. They have put since XX/XX/XXXX that I have been 90 days late and that only XX/XX/XXXX and XX/XX/XXXX have been current. Which is false. They also continue to send me bills for escrow of {$210.00} even though my account has been refinanced to another lender since XX/XX/XXXX. I do not want them to report that I am past due on those monies as my account is paid in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2016-04-04
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX refused to deliver {$2000.00} funds as promised sent to a person in XXXX XXXX. Reason is that I did not meet the person face to face and I could lose my money. I informed XXXX XXXX that I may be considered a XXXX holding XXXX XXXX degrees and a XXXX XXXX, was an investment banker at XXXX XXXX and company and the dollar amount was no a significant value for me financially. XXXX XXXX has elevated itself to the level of accepting money on the promise to deliver it to the designated recipient but decide whether it will fulfill it 's contract or not based on some undocumented concern for fraud. The failue to deliver the money as promised caused great harm to the waiting recipient. With the company pretense of preventing scammers from stealing my money, they are acting in the way of a scammer by promising something for money that they have no intention of delivering on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Incapable of issuing free annual report due to insufficient identification information. The identity information to process this specific transaction included copies of the requested social security card and drivers ID and also a valid employment pay stub. Need recertification to complete this transaction. Notification/correspondence does not specify the proofs needed. Thank You for your time.

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 2016-01-29
Company: Progressive Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have run my credit and it is show XXXX separate loans when I 've consolidated them into XXXX. Progressive Financial Service , Inc. is the XXXX handling my Collections. They refuse to show me my agreement to pay XXXX $ monthly deducted from my checking account. They are reporting to the bureau I owe over {$23000.00} when I only owe {$12000.00}. I have document to prove my amount owed. They refuse to remove me from a definition of their own policy to help me re-rehabilitate myself credit wise. They refuse to understand life situations and recognize my yearly attempts to pay them off. This is affecting my lively hood and any future attempts to purchase anything for my family. I dont know what else to do. Please help me. If I could work with another creditor I would. If there is any information you can provide I would greatly appreciate it. 

-XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I originally decided to purchase this loan due to my car breaking down. Me being a XXXX I have no extra money to spend. Unfortunately I was told my check would be bigger then it was supposed to be and was not able to pay off the full bal. I received the max amount of phone calls daily. Which happens to be 5. I also asked her to be able to make a payment of half on Friday. Then I realized since I 'm in the military my annual training is coming up and I can just pay it in full in XX/XX/XXXX. I offered a small pymt of {$25.00} dollars XXXX/XXXX/16 at XXXX. She told me that amount that I wanted to pay was to small and she was n't going to process it due to the simple fact it would n't make a impact. She then told me if I do not make a payment they will send this to my bank acct and take it out at any moment since I refuse to pay in full. I told her well if this is the case can you please put me on the do not call list. She said she will not put me on the do not call list because I have a loan and she can call up to five times a day. I recently told them I did not want more then two calls in one weeks due to the fact I 'm aware of the loan. I have indications that they have called way more then requested by me. I have time stamps and voicemails indicating they are not willing to follow these rules. It is completely harassment. Me being a debt collector myself I know you are not allowed to request payment in full within the 1st 30 days. I also know threating to take the full payment out of my bank account because I do not wish to pay it off at once is illegal. I asked her in a respectful manner to put my number under the do not call list and she refused to do so. She has broken multiple rules and has admitted that she will continue to call me as much as possible also threatened to take the money out of my account when ever she feel. In order to take money out of my acct I should receive a later of judgment or garnishment of some sort before anything is taken out of my bank account and I have recived no letters in the mail yet. This is harassment and they are breaking Ferpa laws completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A XXXX from XXXX XXXX ext XXXX continues to call my work place where I am not allowed personal calls. I have been warned and am currently receiving disciplinary action. She is not calling me she is calling a co-worker who has filed a complaint and she has told my co-worker the nature of her frequent calls. She calls my work place daily as well as two times a day. My next disciplinary action will be two days non paid administrative leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
It started out with my friend in school posted a pic saying that she made this much in this amount of hours. Thinking that it was my friend, she wouldnt lie about it. In the post, she mentioned a person that was her mentor. So I decided to message the person, thinking that its a great opportunity to make more money to help my parents. Time went by, I invested around 9k, which was all of my savings. At this point, it was too late to do anything. I realized that my friends account got hacked and it wasnt her that posted. The person that was supposed to be my mentor kept giving me promises that Ill be able to withdraw it but they kept asking for more money. At this point, I sunk, I was devastated, dont know what to do, cant stop crying because they wont give me my money back. I reached out to XXXX XXXX XXXX, they couldnt help. As well as Zelle which was where I sent the money using Zelle in XXXX  XXXX XXXX app. They couldnt help me neither. Im only XXXX, I really cant let my parents know, Im trying so much to get my money back. Im currently working with payback to help getting my money back but it has been almost 3 months. Im not sure if itll work and Ill be able to get my money back. I used Zelle to sent {$1500.00} on XX/XX/2022, {$2400.00} on XX/XX/2022, {$450.00} on XX/XX/2022, {$3000.00} on XX/XX/2022, and {$800.00} on XX/XX/XXXX and plus {$100.00} using bitcoin atm. Thats why I decided to reach out to you, please have a look at this. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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: Investigation took more than 30 days

Complaint:
After

purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2022-11-08
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am formally disputing the interest charges that have been applied to my account from XX/XX/XXXX which as of XX/XX/XXXX totals {$270.00} I responded to the Hilton Honors AMEX offer that I was sent for a new card with 0 % intro APR for the first 12 months. This was the primary reason why I signed up for this card knowing that I would have a larger balance on the card for the first year. 

When I got my second billing statement I noticed that I was charged interest on my balance. I contacted AMEX to dispute this and report that I was not given the offer that I initially signed up for. I was told that this was being investigated and I would hear back in 10 business days. ( reference # XXXX ) When I did not hear back, I reached out again and was told that the investigation would take an additional 1-2 weeks. When I followed up again, I was told it would be an additional 6-8 weeks to complete the investigation. 

When I contacted customer support again on XX/XX/XXXX, I was told that the investigation was concluded and they did not find any evidence that my offer included a 0 % APR for the first 12 months and that no further action would be taken. I told the representative that it clearly states this offer on the postcard I received and this was the offer that I accepted using the offer code XXXX when I signed up at XXXX. 

The representative informed me that they could not see the previous documents that I had uploaded showing this offer. 

I told the representative that I felt that this matter was not thoroughly reviewed and that the offer that I initially signed up for was not correctly applied and that I have been fraudulently charged interest over the last several months. 

The representative created a new dispute ( reference # XXXX ) to have my concern reviewed again. 

At this time, I am respectfully requesting that the interest that has been charged to my account from XX/XX/XXXX forward be credited back to my account. 

I will continue to seek a resolution on this issue until this error has been corrected and I have been credited the interest that I have been incorrectly charged. 

Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
PINNACLE CREDIT SERVICES ( collecting for XXXX ) has been ignoring and refusing my requests for validation on this debt for years. I have sent numerous letters explaining to them that this is not my account and I have requested validation several times. Yet they continue to be in non compliance with the law and report this account to the credit bureaus as a collection. They do not even respond. I have never went into a business contract with Pinnacle or XXXX in reference to this account. I have attempted to contact XXXX but was tolsd it was sold to this company and they cant furnish me with any contract or records.

Company response to consumer: Closed with explanation