BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted Wells fargo bank regarding my money and they refused to assist me even tho I informed them that I didnt authorize some of the transactions. 
I have used a platform and it was meant to be a savings account platform that would earn me interest of 15 % yearly. 
XXXX disabled all withdrawals last month and refused to give me my money. 
I have originally deposited {$8000.00} which I authorized and they took automatically {$9000.00} from my account which made it total of {$17000.00}. 
Now I cant get get help neither from wells fargo nor XXXX. 
XXXX blocked me from XXXX when I tried contacting them. And they dont answer when I send them emails. 
Wells fargo is not willing to protect me and give me my money back. 
My life is destroyed, I even thought about ending my life because losing {$17000.00} isnt easy. 
I lost all savings and student loans I had and I am not sure what I am supposed to do. 
XXXX is stating that they are going to discontinue their service by the end of this month Soon Id be 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 2020-11-23
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please provide a copy of a signed contract with my name saying this is my debt. 
Remove from XXXX. XXXX, and XXXX  immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I noticed on XX/XX/XXXX as I look through my bank account that the company I have a loan through, mortgage pull out her dollars and I thought that was kind of odd come to find out he can pull in {$530.00} out of my account since XX/XX/2022 I contacted Faye servicing And I was told that I was going to get refunded. They had no idea why they were pulling XXXX away now they opted not to refund my money leave it. And then you take the mortgage payment each month. Id really like to know, why is it OK for them to go in without my permission into my bank account still {$7000.00} and its all OK I would like someone to call me XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I went to use a {$50.00} amex prepaid gift card for {$20.00} on my XXXX but it said the card is invalid and i checked playsation support and it didnt help and i checked the card balance, info, etc and it still didnt work, so i called and all i got for an answer was the robot voice saying for my protection that purchases wont go through or because the merchant didnt ask for the security code, although the XXXX store does ask for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Fortiva credit card company refuses to cancel my card, even though it has been locked for 2 years. I spoke with a representative that told me if I paid off a small amount, they would cancel my card. Instead they immediately added more charges to my account so I couldn't close it. This has been ongoing now for years and the current charges on an account that I can't use are XXXX. 

Last time I spoke with them was in XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third states the compliant appears to be a duplicate and then consumerfinance.gov accepts this at face value and closes the complaint. 

Fifth Third is not using my home owners policy with XXXX XXXX, which I paid in full, the annual premium in XX/XX/2018, totaling {$900.00} when Fifth Third calculate my escrow costs. Fifth Third uses a figure of {$1600.00} and I can not determine how they are allowed to use this inflated amount to insist I pay an inflated amount instead of the actual costs of home owners insurance for escrow. I spoke to XXXX in Fifth Third 's insurance division and they now my homeowners policy is with XXXX XXXX and they know the annual premium was paid in XX/XX/2018 for the full amount due of {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
So me and my roommate were staying at an apt complex ( renting ) we were there from XX/XX/XXXX to XX/XX/XXXX the managers there stole money from us and we're overcharging for services that was not given. On the other hand we had charges for things that weren't even listed for the the charges were for. When we found out we threatened to take legal action and was then refunded only a portion of what was owed to us. It was refunded on a gift card purchased from a XXXX which was very unprofessional and showed that they knew they stole the funds and was caught by us. Before we moved in on XXXX XXXX The same management company had rented us another apt at their sister complex which was very uninhabitable it had a very bad infestation of cockroaches, mold on the wall and very dirty cabinets. So bad we slept in our vehicle and motels because It was very unlivable. When we complained about it they offered us to the place we moved to on XXXX XXXX. After we caught them in the act of stealing we wanted to leave. They told us we had to pay XXXX dollars to break the lease. We hired an attorney and he contacted them and they immediately said we can leave without paying any fee 's stated. We left the place in immaculate shape and very clean with no damages. When we turned in the keys they did not offer us a walk through. So thinking everything was good me and my roommate moved on. Next thing we know they had reported fees and charges from what they claim were damages in the apt . Never contacted us, e-mail or called about these charges but sent it to a debt collector Columbia debt recovery service LLC XXXX on XX/XX/XXXX which was about a month after we moved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, 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:
I, XXXX XXXX a natural person and federally protected consumer, give EQUIFAX INC and the CFPB AUTHORIZATION to proceed with this complaint. I have disputed these accounts. EQUIFAX INC claims that these alleged accounts are reporting accurately. How can they be reporting accurately if three consumer reporting agencies are reporting that the US DEPARTMENT OF EDUCATION aka the federal government is making these reportings when the US DEPARTMENT OF EDUCATION is located in Washington, D.C. and contact number is XXXX? How can all 3 elaborate mechanisms known as consumer reporting agencies be reporting the same alleged account with the same alleged balance and the contact information is completely different from all 3 consumer agencies. Literally, 3 different contact numbers and located in 3 different states. How is that an accurate reporting? Who is the DEBT COLLECTOR making these reportings that are false and misleading and posing as the federal government? Who owns this alleged debt as only the original creditor with the original note has lawful rights to collect an alleged debt? Pursuant to 15 USC 1692c ( b ) it is unlawful to communicate with third parties without the consent of the consumer. So how did you get this inaccurate and unlawful information if I, the consumer, NEVER directly gave this alleged debt collector my consent to communicate about this alleged debt to third parties, consumer reporting agencies? If you have LAWFUL RIGHTS to report this inaccurate information please provide the law. If you continue to participate in this fraud by defaming my character by way of placing negative items on my consumer report to coerce payments from me then I will be forced to seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: AES/PHEAA
State: NH
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:
I am currently under the REPAYE program and working towards PSLF while working at a qualified employer. when submitting my annual employment certification form which I have done many times in the past there was a discrepancy with the number of qualified payments between my subsidized loan and my un-subsidized loan by one payment. when I first called the discuss I spoke with someone at XXXX XXXX who did not understand the PSLF process and was told incorrect information about the amount that was needed to qualify for a payment. when I called again and found another representative I was told that in XX/XX/XXXX the payment, which i did not change and never do, was for XXXX XXXX  less than the amount that it should have been therefore disqualifying that payment towards one of my loans for PSLF. The XXXX was charged in the month of XXXX. I was told that there was nothing that can be done about this but I do not feel that a mistake from the platform used by PSLF should be my responsibility. the payment for REPAYE is set by the department of education and I do not change the amount ever and would never underpay a loan by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: JPMORGAN CHASE & CO.
State: MI
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:
The XXXXXXXX chase credit card I have advertised XXXX statement credits for early bird check in which have not been honored. 

On XX/XX/XXXX, I made two early bird checkin purchases, {$25.00} each. 

On XXXX, I sent an inquiry regarding statement credit timing. On XXXX, I received a canned response that did not address my issue at all. 

On XX/XX/XXXX, I called the customer service number. I was told that my purchase wasn't eligible based on their records. I told the agent I have the receipt from the purchase, and she said she would put in a request to review further. 

As of now, I have yet to receive any correspondence or credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Benuck & Rainey, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt was a result of a Workers comp claim. All information was provided to original Creditor XXXX to file under the active workers comp claim after numerous times advising the same information and no results I included in a XXXX XXXX  bankruptcy filed XX/XX/2021 that has been discharged I also provided XXXX with the Case number and I am still getting collection calls and now letters from Benuck & Rainey , Inc they were also advised of the same information via phone call for the debt. At this point i feel it is harassment and they did not take the proper steps to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX XXXX {$460.00} 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 2021-12-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
About two weeks ago I contacted Chase Bank regarding my debit card and a card chip issue. I was told that the card only needed a reset. Since then I've had issues woth my card declining, unable to access funds via the ATM, or request cash back on purchases while at a terminal. Today, XX/XX/2021, I contacted Chase customer service to request a new card. Currently, I live about 30 to 40 minutes from the nearest branch and have no cash on me. I asked if the card could be expedited. I was told that there would be a {$5.00} charge and that they're not authorized to waive the fee. Instead, now I have to wait 3 to 5 business days to get a new debit and to have access to an ATM near me. I'm stuck having to use my credit card for purchases. This type pf behavior and their unwillingness to assist a customer by waiving a fee is clearly a form of an abusive and unfair practice. I will be closing my account, but I could not let this type of behavior go and possibly affect other customers that may facing some sort of hardship and may require expedited access to access device. Your bank should clearly consider the potential heightened risks of XXXX violations or what could possibly cause regulatory scrutiny. Treat your customers like people rather than a dollar sign and maybe this way you'll retain your clientele.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: EQUIFAX, INC.
State: NV
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX  which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-09-22
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I applied for the American Express Delta Gold Card. The offer they were and still is advertising is, spend one thousand dollars and receive XXXX XXXX bonus sky miles. I have video and screen shots of this offer, both date and time stamped. 

I applied for the card, and upon receiving it and using it, my mother began to tell me she was having issues getting her bonus miles, as she applied under the same offer. 

I called and spoke to a representative, who informed me that the offer advertised was not the offer associated with my card. A couple of days later I called and canceled the card, due to American Express not wanting to uphold their end of the deal in regards to the advertisement. 

I am refusing to make a payment until American Express is fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I ask that the credit reporting agencies remove these errors from my credit report and the acct be deleted from my acct. I sent letters to these agencies, and they did not provide me with the original application I asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Starting on XX/XX/ someone used my Citi Bank Mastercard information to make fraudulent charges to my credit card. There were 5 fraud charges totaling {$7500.00}. Citi contacted me on XX/XX/XXXX  saying the charges looked fraudulent so they shut off my card. I confirmed that I had NOT made any of these charges so they told me they would investigate and send me a new credit card ( ending in XXXX ) to replace the one that was used for the fraud ( ending in XXXX ). 
I called Citi at least 10 times because the fraud charges hadn't been credited back until after my XX/XX/XXXX  statement. However they had already charged my card {$110.00} in interest on the FRAUD charges. I called a few more times and they told me each time to NOT pay the interest because they will have it removed in about 3 days. Now it's a couple of weeks later and they also added {$30.00} as a LATE FEE on the {$110.00}. 
I have spent many hours speaking with Citi employees on the phone for almost 3 months ( I have all of their names, dates and times that I spoke with them ) but they still haven't REMOVED the {$140.00} balance for the interest & late fees on those fraudulent charges. 
I have NOT used their new credit since the fraud as I'm waiting for them to correct this problem.

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