BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Well fargo bank gave out 3 credits cards after fraud was reported on my accounts with the cards blacked and several password protections put in place. I have requested my cards be blocked from use after fraud was found on one of my cards. I also added a password to the account and requested no credit cards be mailed. They then mailed out a card to the original perpetrator. I then again reported the fraud and and again placed blocks on both credit cards. I also filed a complaint. They then mailed out a card to the perpetrator again. I went to my local bank reported the fraud and asked them to make sure no card were mailed out and blocks on both cards. Again they mailed out a card to the perpetrator. I filed complaints with XXXX XXXX XXXX  and again with wells fargo. I have several cases with them. My problem is the damage this has taken on my credit score. My score has dropped significantly. I had done everything i could think of to prevent access to my accounts but they just kept mailing out cards. If i close the accounts it will impact my credit score. My executive Case # is XXXX the contact is XXXX XXXX ( XXXX ) XXXX Ext 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 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Lakeview / XXXX website has been down since XXXX XXXX. After announcing their site back online and calling it " enhancements '', the site is slow or unresponsive entirely. 

Calling their customer service - no operators are available, the calls are just dropped when you attempt to get a person to speak with. 

Further research shows a major data breach and/or a ransomware attack. They have not been forthcoming on ANYTHING to us as customers, but rather tried to play it off as " website enhancements '' which is downright insulting. 

Tell your customers what is going on and stop lying.

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 2023-12-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am an XXXX XXXX XXXX XXXX. I signed a lease with XXXX XXXX, beginning in XX/XX/XXXX with a rent of ~ $ XXXX. The agreement included a rent concession of XXXX months rent that was applied to the month of XXXX. In XX/XX/XXXX, I delivered formal notice to terminate the lease, effective XXXX XX/XX/XXXX, after receipt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) orders. Months after vacating the premises, I received a call from XXXX XXXXXXXX XXXX, indicating that I had an additional charge requiring repayment of rental concessions due to early move out. I informed the individual that I vacated the residence due to mandatory PCS orders, and that a requirement to repay rent concessions would be a violation of the Servicemembers Civil Relief Act. I also learned that my {$500.00} security deposit was retained and applied to this erroneous balance. He apologized profusely and said he would take care of everything immediately, in addition to ensuring my security deposit was returned promptly. In XX/XX/XXXX, I received notice that an account with a matching balance was being sent to collections under Columbia Debt Recovery and Genesis Credit Management with original creditor XXXX XXXX XXXXn the amount of {$1700.00}. AFter dispute with XXXX, XXXX, and XXXX, these improper collection accounts were not removed. This violation of federal law has caused undue burden, hardship, stress, significant damage to my credit, in addition to exponential financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In the mail, I received a Wells Fargo Visa debit card in my name. Separately in the mail, I received a pin number for this card. The paperwork included says there is a {$2000.00} purchasing limit on the card. 

I closed a Wells Fargo account over 10 years ago. I do not have any account with Wells Fargo and did not apply for this card. 

I checked my credit report and see there was a " soft inquiry '' made by Wells Fargo on XX/XX/2021. I did not get an alert from the credit company because it was not a hard inquiry. 

I believe Wells Fargo knowingly reopened an old account without my permission. This is an unauthorized account. I called Wells Fargo and closed it but was on hold for 60 minutes before I spoke to someone and we were mysteriously disconnected before we were finished. I am thoroughly alarmed by Wells Fargo. 

I also received the same exact two pieces of mail addressed to someone else, who I don't know, with my address on the envelopes. As far as I know, this person has never lived at my address. Now, I have a Visa card and pin number for a card in his name.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-30
Company: Block, Inc.
State: MD
Product: Credit 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:
I made a purchase for glasses via the cash app in app offer for 10 % Cash app charged my card visibly seen of XXXX. I have asked for a manager, cash app has poor customer service. They updated my transaction to XXXX which I was not charged at XXXX XXXX XXXX. I was told that this ill take 10 business days. I am XXXX and had to pay for XXXX. Cash app is dangerous and business practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX chase closed my account because they deemed it to risky, which is their right to. On XX/XX/XXXX my paycheck hit the account and its still sitting there. It is now XX/XX/XXXX and they have refused to give me access or to send me a check for the remaining balance. Which totals over XXXX. I have now been without money for almost 2 week because theyre holding my money hostage. My rent is late now, and now all of my bills have late fees because they wont give me my money. I need the government to step in and force them to at the very least send me a check for whats left.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX last XXXX XXXX  Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. 
This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$8200.00} Open balance XXXX XXXX XXXX Original creditor Report info XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$3800.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX {$950.00} Open balance XXXX XXXX XXXX Original creditor

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 2021-10-13
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a medical bill from over 6 years ago that has been disputed and removed from my credit each time that happens they sell this to a new collection agency. This needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
XX/XX/XXXX Dear Consumer Protection Financial Bureau ( CFPB ) : My Name is XXXX XXXX XXXX, and I am providing the below consumer complaint for your review and ask for your assistance in this matter at your earliest convenience. 

Note : In addition to this letter depicting the exact and honest events that has taken place by and from Chase Bank Credit Cards, I have also provided a snapshot of this information from my recent personal credit report. I would also like to add, that I am available and more the willing to speak this truth noted below on a phone call and can be reached at XXXX. 

Complaint Snapshot Summary I am in the commercial real estate business and have a Business credit card under my company, XXXX XXXX XXXX, XXXX. This card for 14 years ended in XXXX and was changed in XXXX ( without my knowledge ) to a new account number ending in XXXX but remained a business Credit Card under my Company. This is a Chase Business United Chase Card, I opened the day I opened my accounts- both my business accounts and moved all my personal banking over to Chase Bank in XXXX, TX at the XXXX XXXX XXXX, approximately 15 years ago. The United Card had a {$22000.00} balance ( approximately ) going into COVID and was paid in full to a zero balance on XX/XX/XXXX. This card is open, never charged off, is paid to zero balance, and reporting negatively on my personal credit with all three reporting agencies, which never did until XX/XX/XXXX. I have never been late other than during COVID and as you will read below, I was given payment options and guidelines by Chase Credit Card services and encouraged to do same and there would be no negative reporting as a result of following the Chase Credit Card payment help. paid what I was advised to pay by Chase Bank to prevent any negative issues reporting to my personal credit report. I have satisfied this debt in full as I told Chase I was going to do. I was NEVER advised of any grace period ending by anyone at Chase. I was obsessed and relentless with Chase that I can never have this report negatively to my personal credit and said this to them on EVERY call. However, now, due to my trust in Chase Bank ( over many, many calls ) and the words they misrepresented to me and my family, I am now in a huge loss with a XXXX impacted business card reporting very negatively on my Personal Credit ( over XXXX points ), destroying my personal credit, I built for 30 years and preventing us from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2011Bank of America claimed that I have a balance for credit with the amount of {$1800.00}. I have contacted the bank and I explained to them that I have never applied for it also I never receive the card. The bank ignored my explanation and reported the balance to the credit bureau. Which resulted in bad credit in my report and score. I have struggled for years to fix that report also I have hired XXXX XXXX XXXX to fix my problem. I have paid that company {$1500.00}. 

Finally, What Bank of America did against me was unjustified and also unfair. Please help me to get my compensation and hold them accountable for what they did. 

For more information plazas contact me XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021, I, XXXX XXXX sent Capital One Auto Finance a right to rescission regarding my auto loan. Under the Truth and Lending Act ( " TILA '' ) 15 U.S.C Section 1635, return my downpayment in the amount of {$7700.00}, double the finance charge of {$35000.00}, the cancellation of any lien against my property, and cancel the contract. Capital One never responded to my hereby request and proceeded to send me statements regarding a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CCF Intermediate Holdings LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Lien on car title has not been released even though loan paid in full. Please send lien release to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX and email lien release letter to XXXX. Lien information on title : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX. This is the Speedy Cash location.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX XXXXXXXX account holder a fraudulent inquiry was made on XXXX of 2022, I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: WELLS FARGO & COMPANY
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
I had unauthorized charges on my account. These charges were in duplicates. ON XX/XX/XXXX in the amount of {$4900.00} a company called XX/XX/XXXX charged my card 2 times. I contacted this company regarding these charges and was not provided any resolution or refunds. 

I have disputed these charges with Wells Fargo on XX/XX/21. Their fraud and member services opened a claim. The claim number is XXXX. Their investigation terminated on XX/XX/21 which resulted in a denial of my claim. In a letter stating, I authorized these charges based on my statements. I have not authorized any duplicate charges for any merchant at any time using this XXXX XXXX account or any other in my name. 

I know these charges to be fraudulent and under my rights of Consumer Credit Protection Act any charges on my debit card which are not authorized as to be refunded. 

XXXX XXXX, Senior Vice President of Wells Fargo has not cooperated with my dispute case. I am seeking a refund for the fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX  XXXX account holder a fraudulent inquiry was made on XXXXXXXX XXXX XXXX I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry 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 2021-10-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I been in the forbearance program since XX/XX/XXXX when the Pandemic start and i was schedule to be out in XX/XX/XXXX, since than i been dealing back and fort with my Mortgage company which is Lakeview Subserviced by XXXX, they keep denying the require paper work to complete the XXXX XXXX, so far i have return 2 set of paperwork sign and by the Notary Public they keep saying that is wrongful fill out, since last one send out to them i have ask to have a Mobile Notary Public that i'm waiting it has been a month today XX/XX/XXXX that Mobile Notary Has not contact me, I call today XX/XX/XXXX and spend 2 hours on the phone to speak with a member of management XXXX ID XXXX from XXXX  XXXX and provide a Tracking number from XXXX XXXXXXXX which they was send out in XX/XX/XXXX and XXXX XXXX and could not be located, documents were requested Wednesday XX/XX/XXXX for second time which are due to be return in Thursday XX/XX/XXXX and still have not receive a call from Notary public to schedule an appointment to sign documents.

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 2018-11-19
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNIVERSAL RECOVERY CORPORATION IS REPORTING ON MY XXXX SCORE FOR A BALANCE OF XXXX FOR XXXX XXXX. I NEVER BEEN TO XXXX XXXX OR UNIVERSAL REOCOVERY. I REQUEST FOR THIS COLLECTION TO REMOVED FROM MY CREDIT REPORT IN LESS THEN 30 DAYS IF NOT I WILL FILE A XXXX  COMPLAINT AND DISPUTE WITH XXXX ALSO AND I ALREADY FILED A POLICE REPORT AND CONTACTING THE PROPER F.C.R.A ATTORNEY TO SUE I KNOW I CAN WIN EASY.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called so manny times and ask which Acoount it is because XXXX appear as a charge off. the amount that Calvary Portafolio Services is first was {$18000.00} after a few months is {$19000.00} why the amount went up? I called again they said the they can not give me the account number call XXXX. The amount that I own XXXX I don't have any amount with the number that Calvary has it. I just need to know from where comes the amount of {$19000.00} they refuse to give me information from where comes that amount. the account that appear on my report says charge off and no one has that amout.You can check with XXXX how manny times I dispute it asking which account it is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Synovus Bank
State: CA
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:
My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. Because of this, I was assessed a late fee and now have a balance of {$520.00}. 

I would like the company to cooperate in an identity theft investigation by closing the account and providing copies of all charges on the account with the transaction type and identity verification used. This request has been made to the company pursuant to California XXXX XXXX which requires parties to cooperate or be subject to a fine of {$100.00} per day paid directly to the injured party ( California XXXX XXXX XXXX XXXX ( XXXX ) " ( XXXX ) In addition to any other civil remedy available, the victim may bring a civil action against the entity for damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance, plus reasonable attorneys ' fees. '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The account on my report from XXXX XXXX is FRAUD. I have disputed this with Transunion, sent them the FTC report of Fraud and they refuse to remove this from my file.

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