BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account, unknowingly, without my consent back in XXXX. When I addressed the issue I was told there was NOTHING they could do n that it was a FINAL NOTICE. Whole time, I never received the first. I still havent received my check for the deposits that didnt come through on the account due to the closure as well. All I want is my money back.

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 2022-11-19
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I was reviewing recent charges to my Citibank Visa credit card ( XXXX ) charge and noticed a large charge for {$830.00}. I did not recall any purchases of that amount and reported the fraudulent charge to Citi on XX/XX/2022 95 days after the reported charge ). This is shown on their website under fraud claims, see attached print screen. The claim was denied and forwarded within Citi from their Fraud Claims Department to Disputed Claims Department. This transfer was not at my request. On XX/XX/2022 the Disputed claims gave a credit of {$40.00}, again, this was not my request and is not a satisfactory outcome to the fraudulent claim. I have followed up repeatedly, requested any copies of original receipts showing my signature for the purchase and I have received nothing from Citi showing such a purchase. On another follow-up call in early XXXX, I was discussing the claim status with the fraud department and they transferred me to the dispute department who on XX/XX/XXXX attempted to reopen the claim as a fraud claim and they advised me to follow-up in 5-10 business days. With no update to the claim, no re-opening as of XX/XX/2022 I am filing this claim in hopes of a satisfactory resolution to this issue.

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 2018-08-31
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX. The policy was supposed to be canceled earlier than it actually was, it appears their rep ( s ) failed to do so when I called on or around Late XX/XX/XXXX/early XX/XX/XXXX. The balance stems from two months of coverage, the months of XX/XX/XXXX and XX/XX/XXXX I  believe. Failing to cancel when instructed is not my error, I refuse to pay this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/XXXX, I received an email from Wells Fargo confirming I had requested a new card with my account number sent to an address in New Jersey. I made no such request. I called Wells Fargo at XXXX XXXX, phone number XXXX. The call lasted XXXX minutes. I confirmed I did not make that request. The customer service person went over 2 charges with me that were fraudulent. And assured me that it would be handled. 3 days later I checked my balance and one of the charges was still on my account. I then filed a dispute on the charge for {$430.00}. The other charge was over {$500.00}. Since then, I have spent over XXXX hours and XXXX phone calls with Wells Fargo. It has been 13 business days since my original call. Wells Fargo commitment is XXXX business days to have a fraud resolved. Wells Fargo just sent an email to me and said it would be 7 more business days to review my complaint. This is unacceptable for a fraudulent claim. Many years ago my XXXX XXXX number was compromised. XXXX handled the problem with 1 telephone call.

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 2022-11-19
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 have been working on my credit report every year. Each year I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. XXXX, Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2018-08-31
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company XXXX ever contact me regarding this alleged account. I have never heard of you until I reviewed my credit file. XXXX never gave me the right to dispute the validity of this account before putting into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: NY
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:
Since XXXX of XXXX, I've received monthly charges on my credit card for a subscription with XXXX XXXX ( the " merchant '' ) that I don't recall ever signing up for. I've tried contacting the merchant, but they are unable to assist me because there is no record of an account or subscription under my name ( the only information I have is " XXXX '' next to each charge on my credit card statement ). The merchant advised that the only recourse I have is to initiate a billing dispute with my credit card bank, which is Citibank. 

I initiated a dispute with Citibank ( XXXX XXXX ) and lost ( notice received on XX/XX/XXXX ), where they referenced a generic terms & conditions letter that XXXX provided XXXX that I have to notify them to cancel. I called XXXX again, and they again said that my only option is to work with Citibank to dispute and stop the charges. 

To summarize, Citibank and XXXX are charging me {$38.00} every month with neither party providing any means to cancel or dispute. Each party refers me to the other for resolution. This appears to be an unfair an illegitimate business practice that is causing direct financial harm to me.

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 2022-11-19
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello Good day! 
I have been using PayPal since 2017 and during this period I don't use PayPal too much last few month I stared using PayPal and receiving payments from my clients.I have updated my personal account to my business account and the limitations was placed on account immediately PayPal asked me to provide XXXX things proof fulfillment photo id more information about transactions i have XXXX $ in paypal account I provided them all information and photo id document but after 2 days I was received email from PayPal we have permanently limited your account you can no longer do business with PayPal I don't now why all this happened I tried to contact with PayPal but I have not found any reply kindly Help me in this matter and help me in getting back my account Account Details : First name : XXXX XXXX name : XXXX Email address : XXXX Pp reference id : Ref ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-05-02
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone opened up a credit card with my OLD married last name ( that I havent used since XXXX ) and let it close and go to collections. Ive told this company over and over again it was NOT me but they keep insisting it was because they were talking to me on the phone. When I mentioned thats what fraud people do, they pretend to be someone else they hung up, but still will not fix it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have attached a PDF file Addressing my issue please Read it carefully the permissible purpose has not been provided to the consumer This is unlawful the consumer has addressed the issue Directly by phone With the Credit Agencies. Credit agency mentioned to the consumer. That they are allowed to pull information without my consent. or my permission.

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 2023-07-19
Company: Paypal Holdings, Inc
State: LA
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 have tried to close this PayPal account in the past. I still get an occasional email from them stating that I need to resolve my account issues with them. I was scammed once before with PayPal which is why I do not use them anymore. I tried to update my information in an effort to close the account, but the site/app refuses to let me do so. The Reference number is XXXX. When speaking to a Live person, they come across as very rude and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: Experian Information Solutions Inc.
State: NC
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:
Theres a few inaccurate accounts as well as personal info which need to be deleted immediately.

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 2023-08-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My home sustained hail damage. My insurance company issued a check to me for the repairs in the amount of {$41000.00}. The check needed to be endorsed by my mortgage company, Pennymac. I overnighted it to them XX/XX/XXXX. They didnt log it as received until XXXX. It then took them until XX/XX/XXXX to issue the check back to me. It took 4 phone calls to get that to happen. In the meantime I had paid contractors over {$28000.00} out if my own pocket for repairs related to the hail damage. 
When I received the check it was payable to my husband, who had recently passed away, even though the check from the insurance company did not have his name on it. I couldnt deposit it with his name on it, so I called and asked for it to be reissued in my name only. They agreed to do so. That was XX/XX/XXXX. 
I called again XX/XX/XXXX because I still had not received anything. A woman named XXXX said it appeared they had dropped the ball because it was approved to be sent on XX/XX/XXXX but nobody sent it. She said she put in a request for expedited action so it would be overnighted to me on Tuesday, XX/XX/XXXX, to be received Wednesday, XX/XX/XXXX. 
On XX/XX/XXXX I logged in to my mortgage and could see that no disbursement had been made, so I called again. This time I was told the request had just been put in yesterday and it would be 6 more business days for that request to be processed. I demanded to speak with a supervisor. I was placed on hold for approximately XXXX minutes and then was told that I could not speak with a supervisor but that the supervisor said the check would be overnighted that day to be received Thursday, XX/XX/XXXX. As I sit here at XXXXXXXX XXXX I am logged into my mortgage account and can see that no disbursements were made today. 
How are they able to just keep MY money? Its been 6 weeks. Im now not only out the {$28000.00} that Ive already paid my contractors but now Im getting bills for the rest of the repair work. Im beyond frustrated that they can just hold money that belongs to me for repairs to my house because nobody there seems to know how to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To Whom it May Concern : I was informed by letter that Barclays Bank has established a fraudulent account # XXXX in my name on XX/XX/2023. 

I assume this is being done by some hacker. 

I did not request nor do not I want this account. 

I want it closed immediately. 

Sincerely, 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 2023-06-18
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX XXXX XXXX. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. 
Email : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX Georgia XXXX l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased {$200.00} worth Gift Card from XXXX physical store on XXXX XXXX. This is a VanillaGift Visa card. We activated this in their website as per the instructions found on vanillagift.com. Site showed {$200.00} balance. Right from the 1st use, the card got declined. Tried in other retail locations. Never worked. We called the XXXX number. They asked use to send our Drivers License picture and Gift Card picture and the Receipt for the purchase of the card. We promptly sent that on XXXX XXXX. Called today and they say they haven't received the email. We know that is not true. We didn't get any emails that typically comes if the email is not sent. They are now asking us to send the same info and call after 10 business days. We know that this is a delay tactic to hold onto our {$200.00} or to deny eventually. Because, what kind of consumer finance company will not receive an email sent to them exactly following their instructions. 

The case number is XXXX. Company is Vanillagift.com owned by Incomm

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you. 
Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not 100 percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a Credit Site and Board where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports. 
I demand the following account to be verified or removed immediately. 

SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX I also read where I can get the updated report after you investigated this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. 

Best regards, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation