BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-12
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was initially contacted by Professional Credit Services on my phone number XXXX regarding a debt collection call. They were looking for someone who was not me, XXXX XXXX. I told them during that phone call on XX/XX/XXXX XXXX at XXXX PST, that I was not the right person they were looking for. However, they have continued to call me even though I dont any debt to them. They have caused me stress, and emotional harm due to which I am unable to sleep at night and function properly during my day job. I am looking to seek a damage compensation and violation of privacy from them. 

I am attaching a screenshot of a call from their numberXXXX on XX/XX/ that was verified by the carrier during which I told them I am not the right owner of the debt and not to contact me. And additional screenshots of phone call and voicemails, regularly past that date in a daily basis despite of XXXX request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
This is aggravated identity theft! I did NOT authorize these entries on my consumer report as I did not apply for it. Additionally, the entries in the attached dispute letter are not providing any perk, product or service. Please remove it from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/24 about XXXX I woke up to two texts that were sent to me about XXXX and XXXX XXXX  saying I added two different individuals to my XXXX account. I immediately check my account and saw five transactions to these two individuals. I called the bank to report these transactions as fraud. Asked them to stop the payments as they were still pending. Had them close that account and open a new account. Had them send me a new debit card and had them close the XXXX account. They told me their investigation would take 10 days. On XX/XX/24 the transactions were added to the new account and allowed to go through. On XX/XX/24 I still hadnt heard back from the bank. I called to get a status on their investigation and was told they denied my claim. Reason being it was done online so I had to have authorized the transactions. I asked to appeal the decision because I did not authorize the transactions and was told the decision was final and they couldnt do anything further. 
Transactions were as followed. 
Three XXXX  payments to XXXX {$200.00} for Tyres, {$200.00} for Fixing & {$130.00} engine  check. And two XXXX  transactions to XXXX {$200.00} for pancakes and {$200.00} for steakhouse. Five transactions totaling {$930.00}.

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 2023-04-16
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/2023 I HAVE FRAUD ACCOUNT ON MY CREDIT REPORT ACCOUNT NAME- XXXX XXXX  ACCOUNT # - XXXX BALANCE UPDATED- XXXX ACCOUNT TYPE- SECURED CARD STATUS- Account charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2023 STATUS UPDATED- XXXX LAST PAYMENT- XXXX PAST DUE XXXX $ HIGHEST BALANCE- XXXX $ Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUND FOR REMOVAL " FAIRS CARE ACT '' 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I contacted US  Bank XXXX XXXX  in XX/XX/2023 regarding the end of my lease that was occurring in XX/XX/2023 and I was offered to terminate it early. If I did so the excess mileage, wear and tear fees would be waived and I would get a refund of the last two payments paid. I agreed to do this, the car was picked up the following up day but the company who picked up the car did not provide any paperwork to confirm that I no longer had possession of the vehicle or anything regarding the condition of the vehicle which was the first thing odd about this return process. I called US Bank to confirm they had the vehicle and they advised yes. I also asked for a lease end statement and was told they don't do this. I pushed back against this as this is not standard practice and eventually they agreed to send me a letter stating the lease was closed and no payments were owed. I received this letter and I called in XXXX regarding the status of the refund for the last two payments paid. I was told in XXXX it would be 60 days but when I spoke to an agent in XXXX after checking she said that it likely be 60 days from when the vehicle was auctioned which occurred at the end of XX/XX/2023. Then this week I received an invoice for the excessive mileage and when I called the rep I spoke with advised that my account had numerous offers but she didn't see the excessive mileage waiver added. The whole reason why I agreed to terminate the lease early was because of this being offered or I would have sold it on my own which would have avoided any fees being assessed. This bait and switch tactic leads me to believe this more of deeper problem with US Bank XXXX as they don't seem to do things that are standard. Also try to really discourage their customers from exercising their right to purchase the vehicle at the end of a lease.

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 2024-01-19
Company: CITIBANK, N.A.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Description of the complaint I believe to be an anti-semetic hate crime encountered ON XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MO XXXX We Arrived at XXXX XXXX on XX/XX/XXXX. Had trouble getting door to unlock with card. The door was not installed correctly. The latch assembly had no clearance between it and the doorframe/striker plate. We had to body slam the door to open. We immediately found the phone not working and went to the office. We were treated disrespectfully by who appeared to be the owners and put off. At XXXX XXXX the defective phone was still not replaced. We went to the office and told them if it was not taken care of we would file a complaint with the XXXX and the Missouri Attorney General 's office. The phone was replaced. The television was worthless! The remote would not work. We went to the office multiple times and treated terribly by the owners. We got one after another line of XXXX excuses. It never did work properly our whole stay. We had difficulty pulling the door tight enough to latch properly due to improperr installation and fitment. We had to force open the door constantly and slam hard to get to latch. 
I placed a 14kt gold ring on the nightstand Friday night. It was missing Saturday night when we returned from a show ( XX/XX/XXXX ). The ring had the the XXXX LETTER FOR JEHOVAH ENGRAVED IN BLACK ON THE OUTSIDE AND MY NAME ENGRAVED WITH A DATE IN XXXX. This was awarded to me upon completion of degree work in the XXXX XXXX in XXXX. The current radical anti-Semitic climate so prevalent i can only conclude that this was a hate crime due to the predominant XXXX letter for Jehovah. Our XXXX wedding anniversary accommodations were the worst we have had in XXXX since coming here every year since XXXX! I am on total XXXX plus XXXX. The hired staff were helpful, but the owners/managers were the most arrogant disrespectful people I have ever encountered! 
A police report was made to the XXXX Police Department. 
Please add this information to the police report. I have filed a complaint with the XXXX and the Missouri Attorneys office and other agencies. I am a senior citizen on total XXXX plus XXXX. We were there celebrating our XXXX wedding anniversary. We have been visiting XXXX since XXXX! Usually more than once every year for the last 51 years! You have no idea how bad I want the ring returned! 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 2024-01-23
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received notice of debt from XXXX. XXXX Reference # XXXX. 
On XX/XX/XXXX by form of email to XXXX, I sent a Debt verification Request letter in which they responded to my request by email on XX/XX/XXXX that it was received and was going to be investigated and I would receive a response. 
As of today 's date XXXX, I have yet to receive a response to my request by XXXX XXXX, XXXX. 
On, XX/XX/XXXX I received a notice of debt from a collection agency dated XX/XX/XXXX from I.C. System Inc Reference # XXXX. 
Both agencies collecting for the same amount and creditor. 
XXXX never responded to my debt verification request and instead was passed on to I.C.System Inc. 
All documentation has been attached. 
My rights under the Fair Credit reporting act have been violated and request that this debt be removed or I will have to seek legal council.

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 2024-01-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a credit card with the Home Depot for the past 2 years 5 months and 16 days ... As of a few days ago they decreased my credit limit from {$10000.00} to {$3900.00}? 
Since I bought my house I had 2 major purchases from them with other purchases in between... 
The 1st major appliance I bought on XX/XX/XXXX from the Home Depot under a 12 month no interest purchase and they got me really good because I did not know any better and at the end of the 12 month I ended up paying the deferred interest and I did not make any complaints about it... 
Sucked it up and paid that deferred interest and didn't purchase anything else for over a year... 
My late payments are as follows on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
On XXXX of XXXX I seen a frig that I really wanted and decided to purchase it for the amount of {$3100.00} + warranty for {$310.00} for a no interest payments for 24 months. 
I was not crying when they over charged for {$6900.00} for 2 refrigerators and 2 warranties along with a no interest plan for 12 months. 
Which took one billing cycle to fix. They also charged me a double payment for their mistake? 
I have been a great consumer with Home Depot and I know that it is against the federal law to decrease ones credit...

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 2024-01-18
Company: Albert Corporation
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
The online banking app ALBERT withdrew {$100.00} from my connected bank account without my knowledge. The rep said I initiated the XXXX program. The ALBERT app does not describe this XXXX thing. I requested that my XXXX XXXX  be returned and refunded because I did not consent to this. I was told it was my money and I have to wait 5 days before I can request it back. I explained, that it was unacceptable and then they said on 3 days I can request the refund. 
Which is right? I don't care. I need that money back right this min. 
If I cancel my acct with ALBERT I will never see the refund. HOW DO I KNOW THIS WON'T HAPPEN AGAIN AND AT ANY MOMENT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When using bill pay in a Wells Fargo checking account, WF displays a statement that checks sent out can be delayed by the post office, but it is my belief that WF takes their time sending out those checks also and may even " forget '' to send some. I have had checks to local contractors take more than two weeks to arrive. In XXXX, I authorized a pair of checks to be created and sent to XXXX XXXX for an expedition payment that totaled $ XXXX. Those checks never arrived - it is my belief that Wells Fargo " forgot '' to send them out so that WF could get the float on the funds already deducted from my account. When I went into a branch to complain and put a stop payment on the checks, they opened an inquiry and a week later informed me that they had done everything right in the check generation - but the stop payments were not processed - so WF got the float for another week.

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 2024-01-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit 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:
In XXXX of 2021 I purchased windows from Home Depot, and opened a Home Depot credit card which offered 24 month interest free financing. 
I originally decided on the grid style which cost {$11000.00}. A day later I changed the style to the no grid style which cost {$10000.00}, which is {$1300.00} less expensive. I was given a change order amendment form which documents this change along with the difference in price. 
When I received my first credit card bill, it showed my starting balance as {$12000.00} which is not the {$10000.00}. adjusted purchase price. 
I have called both the contractor, and XXXX credit services several times to not only correct the discrepancy, but to explain to me the charges, which they can not. They simply tell me what they see on the screen. 
They requested my proof of the change order amendment document which I faxed to them on XX/XX/2021 via a XXXX store. After no response, I contacted them again, and they said to wait and someone will be in touch. No one did. 
As the 0 % interest period was coming closer I wanted to transfer my remaining balance to a new card, so as to avoid the impending interest charge. But in doing so would mean paying off this incorrect balance which is obviously ridiculous. 
So after more attempts to resolve this matter, I am still to this day - stuck with a credit card balance that is incorrect, as well as an additional $ XXXX in interest that they are now charging because the 24 month interest free period has expired.

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 2024-01-07
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Shellpoint Mortgage Servicing has made many adjustments to my mortgage loan without explanation of the changes. On XX/XX/XXXX, a letter was received that Shellpoint imposed lender-placed wind insurance on my property. The annual premium for the lender-placed insurance is {$2700.00}. Shellpoint Mortgage Servicing paid a disbursement for this premium on XX/XX/XXXX of {$1100.00}. On XX/XX/XXXX, documentation was given to Shellpoint Mortgage showing proof of wind insurance from my HOA. Shellpoint only issued a refund of {$230.00} to my escrow account. Shellpoint XXXX then completed an escrow analysis on my property increasing my mortgage by almost {$300.00}. Shellpoint did not give an explanation for the initial disbursement payment ( dates of coverage, how the number was obtained, etc. ). 

Below are current questions/issues found with the errors that should be clarified/fixed : Shellpoint Mortgage did not give information about the premium being disbursed Shellpoint Mortgage gave an incorrect refund amount after proof of insurance was provided. 
My property is a townhome, which Shellpoint mortgage is aware of, and which the HOA covers wind insurance. Townhomes are covered under an HO-6 policy. 
The mortgage sold by XXXX XXXX to Shellpoint Mortgage, did not require wind insurance yet Shellpoint Mortgage requires wind insurance with no explanation. I have been asking for information for about 4 months now and still have not received any information. I sent a notice of error on XXXX XXXX with no further response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit 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 returned a hot tub that I bought from Amazon. I have a tracking number. I was never credited for the return. I have disputed the charge with synchrony bank 3 times. They said the item wasn't returned properly. It was bought on XX/XX/2023. I was charged {$3900.00}. It was picked up by truck on XX/XX/2023. The tracking number is : XXXX. Synchrony bank continues to bill me and will not credit my return.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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 2023-11-28
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit 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 applied for and was approved for a Wells Fargo XXXX card on XX/XX/2023. 
A month later I have not received the card which I was told has a limit of {XXXX} and a balance transfer offer of XXXX XXXX XXXX XXXX XXXX 
Immediately upon being approved I attempted to conduct a balance transfer. The app gave me less than XXXX XXXX  to provide the balance information including account details. By the time I started entering it, the screen closed and that offer was no longer accessible on the app. 
I called asking to process the transfer and was told no transfers are allowed until I receive my card and that the clock for the XXXX XXXX  began on the day I was approved. Due to this rule, and their unwillingness to provide me with the card in a timely manner, the offer that enticed me to obtain the card is no longer fully available to me. 
This seems more of a pattern than an exception.

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