BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account always overdraft and when i make a payment the money its taken and then its says pending it reduces the payment again, always my checking account running low even if i dont use it, theres no way i use that much money. I try to keep my money on savings to tract unusual overdraft and its going on, i havent put a claim yet but im trying to do it now

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 2019-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX, I received a notice from Capital One that my account balance was XXXX. My account limit is XXXX. I made a XXXX payment on XX/XX/XXXX to avoid having the account over the limit. Then on XX/XX/XXXX payment of XXXX was made to Capital One and now had a XXXX balance. 

My concern is that the account was over the limit as of XX/XX/XXXX with a balance of XXXX but was paid off within 3 days. The account was not over the limit long enough to be reported to the credit bureau. I called Capital One and they stated that it should not have been reported to the credit bureau and that it was a mistake. Never the less, their actions have affected my credit score. 

I want this resolved and Capital one needs to correct the information that they have sent to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2021-12-27
Company: EQUIFAX, INC.
State: AL
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:
In XXXX and XXXX of 2021, I filed a dispute with, Equifax and XXXX credit bureau about the unverified account XXXX XXXX XXXX number XXXX. In those 2 months I have asked numerous times for a response. I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America had been duped into modifying my name, adding an email address and phone number from mid XXXX through XXXX by a criminal in California. A place that We Ive never lived. All this done without notifying me. It took many phone calls and over 20 hours on the phone, in addition to 2 1/2 hours at the bank to restore my identity with the bank. 
All security measures, including a verbal password was put in place to thwart further attempts by the thief. 
On XX/XX/XXXX the thief, through a telephone agent was able to push through a transaction. Despite the verbal password and telephone verifications, this occurred nonetheless.

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 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One is refusing to remove four fraudulent charges on my credit card, which are totaling {$120.00}. The four charges were placed there by " XXXX ''. I have informed Capital One that these charges are fraudulent on numerous occasions. The charges occurred on the following dates : XXXX and XXXX. I have prior documentation that shows I informed Capital One that all these charges are fraudulent. 
Importantly, according to FTC Law, Capital one must provide me with documentation and proof that these charges are valid if I ask for it and also provide me the details of their investigation. According to FTC Law : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why, and provide copies of documents that prove you owe the money if requested. '' The preceding statement is from the FTC. 

I would like Capital One to provide me with this documentation, which is required if I ask for it according to FTC Law. To be clear and underline this point further - the only thing Capital One should provide in their response is the proof and evidence that these charges are valid, which they are required by law to provide if requested. If Capital One feels they have provided this evidence already ( they haven't ), then re-attach it in their response. Capital One is violating the law if they do not provide the proof of these charges that I am requesting. This clear request is in a written and recorded format here. Once again - provide the documentation that proves that these charges are valid in your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I mailed a letter, certified, tracked and registered, as well as other documents to ( Telerecovery ) on and around XX/XX/2018 which included an affidavit of Identity theft, three police reports from the XXXX XXXX Police attesting to and stating that my identity had been stolen on three different occasions, in three different years. Account ( s ) were opened in my name, without my knowledge as a result of the identity theft. After receiving this information ( Telerecovery ) has not responded and continues to report the unknown fraudulent medical account ( s ) on my credit report ( s ). The account ( s ) are : # XXXX, amount {$310.00}. I also requested that ( Telerecovery ) advise me as to the names and addresses of the health care providers, the name of the patient, medical service ( s ) provided and the reported dates of medical service ( s ). ( Telerecovery ) did not respond to this request either.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2021-12-27
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, a Collection Account came up on my credit report saying I owe XXXX XXXX {$1700.00} for an account I have no affliation with. I have a personal XXXX account which I have never missed a payment on. This account was attached to my credit report by Squium Asset Solutions. I have looked up the reviews for this XXXXection Agency and this type of scenerio is happening to a lot of people. They put a fraudulent charge to your credit with hopes you will call them to pay it. This is slowly ruining my credit score. I have heard if you call them directly, they will somehow make the situation worse for you. I have filed disputes with all 3 credit bureaus ' but have not heard the results yet. Please help me resolve this and have my credit restored to which was near perfect prior to this situation. I'd like to bring down Sequium in the process and will do whatever it takes to help with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX  Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # 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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing company ( Specialized Loan Servicing or SLS ) failed to pay my taxes from my escrow. The taxes were due on XX/XX/19. I called them on XX/XX/19 to ask why they haven't paid my taxes. They said they would open a case and to give them 10 days. I called 10 days later and they said they paid them. We are almost one month after my first call and they say they have paid the taxes. Also, there is now a late fee. Even if they did pay the taxes and " the check is in the mail '', there's still a late fee. If the late fee isn't paid, I'm still delinquent. SLS is now saying it will take another 10 days to investigate. I'm nervous and stressed. It feels like they are giving me the run-around. Their phone number is 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 2023-03-26
Company: WELLS FARGO & COMPANY
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Extra fees no supposed to have been charge and $ XXXX more than expected

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 2021-12-27
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a rollover IRA to XXXX from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my XXXX rollover account on XX/XX/2021 I called XXXX XXXX weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling XXXX XXXX on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without *any* explanation from XXXX as to why it was XXXX nor any apology from XXXX, XXXX XXXX of XXXX XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has *again* been ignored without explanation as to why it was *never* initiated. This is disgusting behavior for a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Check Fraud Services
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Welfare issues me rent checks to pay my rent but someone stole the rent checks out of my landlord 's mailbox now I have a idea of who the person is that stole the checks but welfare informed me that 3 of my rent checks where cashed the rent checks are in my landlord 's name but my landlord say they never got them and the never cashed them so I dont know what to do iam on the verge of being kicked out on the three plus iam three month back in rent because the checks where stoleing

Company response to consumer: Untimely response
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 endangered. 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 CREDIT BUREAUS are required by law to remove any ITEMS or information which found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1400.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each itemis 100 % true, accurate, correct, complete & VERIFIABLE ). If credit Bureaus do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-02-19
Company: EQUIFAX, INC.
State: MO
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 and XXXX are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX/XXXX  as well as attach a copy of my credit report. 

XXXX/XXXX  : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 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 2021-12-06
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for a new credit card with Citibank. I already had one with them so this would be my second with Citibank. My only intent for the card was for a balance transfer. 
They responded immediately with an approval. 
I was happy and requested a balance transfer to XXXX XXXX for {$2900.00} plus their fee. About {$3000.00} in total around the end of XXXX. 
I never heard anything again from Citibank about this balance transfer. I did get multiple notifications to activate the card though. The balance transferred card always reflected a {$0.00} balance on my online account. 
Around the first week of XXXX, I had a balance of {$3800.00} on my first Citibank card and paid it off in full. About 4 days later, I received a voice message stating that Citibank was trying to get ahold of me. I called them back later that day and they notified me that I was delinquent on repaying on the second card for the balance transfer. Citibank states that XXXX XXXX cashed the check and I am responsible, and if I want this resolved to do my own investigation. 
I told them that I had never received the balance transfer and I was not paying back on it since I never got one. That fell on deaf ears. 
Since then, I have spoken to Citibank at least 5 times to inquire about the status of their investigation, something that I had to demand they do by the way, spoken to XXXX XXXX multiple times and every time they say that they never did receive anything from Citibank. 
XXXX XXXX even suggested we do a 3 way call to share the information together. Nope! Citibank wasn't interested in that! 
On Saturday, I inquired again about the status of the investigation and they said that they had determined their outcome and I would receive a letter explaining their decision. 
I have never benefitted from any balance transfer from Citibank and I am shocked at how callous they are regarding my sentiments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021 I sent a verification letter to the collection agency Mindland Credit Management ( please see document attached ) regarding an account that I did not recognize on my credit report. The collection agency sent me a letter in XX/XX/2021 but they did not responded to my request. I specified on my letter that under XXXX XXXX XXXX regulations ( section 2-190 of the Rules of the XXXX XXXX XXXX XXXX  ), verification requires all of the following : A copy of an original document confirming the debt ; A copy of the final account statement ; A document itemizing the total amount due and additional charges ; and Any other documentation verifying the balance and all other charges alleged due.

But they only document sent by the collector was a letter from the original creditor informing that the account was sold to collector ( See response by collector attached ).

I do not have aby recollection about this. I have had only one account with XXXX XXXX and it was more than 8 years ago and I think this account was charged off at that moment.

Company response to consumer: Closed with explanation