BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collectors Name : Portfolio Recovery Associates, LLC. 
Collectors Address : XXXX XXXX XXXX. XXXX, VA XXXX RE : Account Number XXXX After checking my credit report on or after XXXX XXXX, 2017, I noticed that PRA placed a time bared and fraudulent collection to my credit report named XXXX XXXX XXXX. 
I made several attempts by contacting PRA by phone to find out more information about the debt. During our conversation, customer service associate could not answer my questions and transferred the phone call to operation manager by telling me that he will be able to answer all my concerns. The operation manager XXXX XXXX could not answer my questions as well. I told him that this is a fraudulent transaction and requested to remove an account from the credit report or history. He replied that I need to discuss the matter with escalation team. They place me on hold for about 15 to 20 minutes and hang up the line. I do have all conversation recorded as I informed both the caseworker and supervisor. Also, I requested to stop harassing phone calls, and they refused to follow my requests. I am still 3 to 4 phone calls every day, and I saved the call logs and all the voicemails. I do not believe that I am liable to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America will not release my funds. Fraud was committed on my account in which i reported to Bank of America. Bank of America has been investigating the claim for over 30 days. My account is being closed in which no one has explained anything I keep getting the run around and told they will not release my money till the investigation is close in which they still do not have a close date. I have explained my financial hardship and having no money to feed my children and they are still giving me the run around.

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 2020-03-11
Company: Paramount Recovery Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It said on my credit report Opened XX/XX/2019 I had collection opened with this company Paramount Recovery S for {$160.00} But not until last week was my credit impacted. I received no calls or anything from this company - now my credit is impacted tremendously by this false claim for collection. 

XXXX XXXX XXXX XXXX  XXXX  was the original creditor. We paid all medical  bills before as my credit was 800+ before this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a traditional XXXX recipient. XXXX refused me service on XXXX until I paid {$75.00} up front- which I did with a credit card ending in XXXX. 

XXXX refunded my cc payment for services rendered ( dos XXXX ) on XXXX XXXX on the original credit card ending in XXXX, then sold that debt to XXXX XXXX who reported it to XXXX. This process is called " Debt Dumping '' and as a consumer, I should not be penalized when a company REFUNDS my PAYMENT so they can claim a lower debt ratio on their bottom line. 
XXXX refused to remove it. 
XXXX claims ignorance. 
XXXX said I didn't owe it, then yes I do, then no I don't because of the refund- but sold it to XXXX anyway. 
While they finger point, my credit is tarnished. 
Meanwhile, XXXX gets to have its cake and eat it too by showing lower debt while in merger talks per XXXX XXXX XXXX XXXX and gets paid when they sell the debt! I've contacted everyone involved at least twice. No response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
WELLS FARGO BANK, N.A., WELLS FARGO & COMPANY, and its affiliate, WELLS FARGO CARDMEMBER SERVICES, wrongfully and deliberately closed my credit card account. Upon doing so, I received deceptive mail fraud from XXXX XXXX XXXX XXXX. indicating that WELLS FARGO BANK, N.A., WELLS FARGO & COMPANY and its affiliate, WELLS FARGO CARDMEMBER SERVICES sold the alleged debt, and have been paid for the alleged amount they assume to be due and/or owed, which is a clear indication of unjust enrichment. According to WELLS FARGO & COMPANY 's XX/XX/2023 10-Q form filed with the Security and Exchange Commission ( SEC ) , page 114, Note 13 : Securitizations and Variable Interest Entities ( VIEs ) Loan Sales and Securitization Activity, it conspicuously states : " We ( WELLS FARGO & COMPANY and its affiliates ) periodically transfer consumer and commercial loans and other types of financial assets ( asset backed securities, credit card applications ) in securitization and whole loan sale transactions. '' Furthermore, page 116, also of Note 13, Transactions with Unconsolidated VIEs OTHER VIE STRUCTURES, WELLS FARGO & COMPANY and its affiliates conspicuously state : " We engage in various forms of structured finance arrangements with other VIEs, including asset-backed finance structures and other securitizations collateralized by asset classes other than mortgages. Collateral may include rental properties, asset-backed securities ( credit card applications ), student loans and mortgage loans. '' Upon establishing the credit card account with WELLS FARGO & COMPANY and its affiliates, WELLS FARGO & COMPANY and its affiliates, bought, sold, converted, transferred and traded the credit card application ( asset backed security ), also known as commercial and chattel paper, into a security to be bought, sold, pooled, invested and reinvested on the prime and secondary markets in both the public and private sectors. A forensic XXXX audit locating the XXXX to the credit card application ( asset backed security ) and credit card account can and will confirm. Therefore, as an investor in WELLS FARGO & COMPANY and their affiliates, I am due equitable compensation. Regardless of the reason ( s ) the account was closed, I have the right to credit. Withholding my access to my securities is securities fraud. WELLS FARGO & COMPANY and its affiliates are knowingly and willfully operating in dishonor, unjustly, in bad faith and with unclean hands. If we are unable to reach a fair and reasonable agreement within the next 30 days, I will have not other choice but to pursue legal action.

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 2023-07-26
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In XXXX, I sent XXXX to my contractor from my business account XXXX XXXX XXXX at XXXX XXXX XXXX to my contractor 's business account - XXXX XXXX XXXX at Navy Federal Credit Union. Owner of account is XXXX XXXX. Because she wasn't able to receive the funds, I did a wire recall with XXXX wire department. After months of waiting, I decided to do a XXXX report and XXXX was able to get the funds back, upon receipt, they said Navy requested the funds back, I called my contractor and she said she never did a recall to get it back. XXXX has sent my funds to navy and Navy is stating it was sent the wrong way so they are holding on to my funds- which is theft!!! I've been waiting for a few months for this to be resolved and it isn't so now I'm reporting Navy Federal for stealing my MONEY!! 

XX/XX/XXXX XXXX XXXX sent my funds back to Navy Federal, below is the info : IMAD # : XXXX TRN # : XXXX The original case # with XXXX is : XXXX I would like to know where my funds XXXX sent to Navy is and I want Navy to send them back to my Business XXXX account so XXXX can give me my funds!! This has caused me pain, suffering, and stress for my business. I am reporting Navy and XXXX for not resolving this matter. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : 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 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 2019-05-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND FUNDING XXXX as of XX/XX/2019 reporting for identity fraud, was reported and corrected for XXXX XXXX and XXXX  but not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a phone number which was XXXX XXXX, they said that they were T-mobile customer service from california XXXX Then they asked if it's me to create another phone number connected with my previous number XXXX XXXX XXXX and I said that it's not me. However, the new phone number was created by my passport, and sent more than 200 fake texts in XXXX, XXXX, a lots of people reported that number. I need to contact with police as soon as possible, otherwise my SSN would have bad records. Then they helped me transfer to XXXX police. The police who answered my call helped me to open a case, but for a while when they check my personal information, a voice from radio said that they found out I was involved in a major state second-class case, a huge transnational money laundering case headed by bank clerk XXXX XXXX XXXX XXXX XXXX has been arrested and hundreds of bank cards were found in her home, including one card created with my ID. There are more than XXXX XXXXXXXX RMB in this bank from dozens of victims, including an elderly woman who even jumped to her death under great pressure. And I will be extradited back to XXXX unless I put up a bond of XXXX RMB and wire that money to the XXXX XXXX XXXX XXXX XXXX so that I can apply for bail pending proceedings. I wired money twice from WELLS FARGO bank, the first transaction was XXXX USD at XX/XX/2023, sent to XXXX XXXX XXXX whose account number is XXXX, his bank name is industrial and XXXXXXXX XXXX XXXXXXXX XXXX, XXXX : XXXX. The second one was XXXX USD at XXXX  sent to XXXX XXXX whose account number is XXXX, his bank name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I realized what it really happened, I asked WELLS FARGO bank to help me request XXXX XXXX, and filed a claim. However, I called my bank to cancel the second transaction at XX/XX/, but the customer service said that I couldn't cancel that transaction at that time, so I failed to stop the second big amount. Now the bank said that the receiver 's bank account had been closed, thay can't help me further.

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 2019-10-03
Company: Experian Information Solutions 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:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2018-08-17
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX IS REPORTING FALSE INFORMATION ON CREDIT REPORT. 
AFTER VERFIABLE DELIVERY OF MY CERTIFIED MAI ; THEY REFUSE TO REMOVE FRAUD ACCOUNTS FROM CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX contact multiple times on phone the customer service reps were horrible! 
Ask to speak to manager multiple times couldn't get one. 
got tired of the garbage ask for corporate office information they wouldnt get it to me My account was closed without my permission. 
they said i violated there terms of service. 
They wouldnt give me the information. 
A manager emailed me back she blew me off. 
she said she couldnt give me the information why and she wouldnt give me the corporate office email or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have XXXX trying to get my money out of Gemini for OVER A MONTH the company keeps sending me false instructions I am wasting a lot of time and energy on this. please help me I am entitled to damages at this point I initally opened a complaint with you. complaint number # XXXX I am attaching their latest email with bad information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello folks. 
1. I opened an account with HSBC online. XXXX XXXX XXXX XXXX  ) XXXX. Bank asked me to submit Form SSA-89 XXXX XXXX XXXX XXXX  XXXX XXXX. Activated the account and got an ATM card. ( XXXX XXXX XXXX  ) 3. Deposited a check from my old personal at the other bank account to my new HSBC account. XXXX XXXX XXXX XXXX  XXXX 4. On XXXX XXXX I saw that the XXXX has already posted the check. 
5. When I tried to check login to my HSBC account on XXXX XXXX I noticed that the account is suspended XXXX XXXX XXXX XXXX XXXX XXXX Called HSBC, they said I have to wait 6 days before they lift the block on account spent about 45 minutes between a " Fraud '' department and " Customer Service ''. 
6. A significant amount in now stuck in some " clearing process '' and on top of that my account is suspended. I can not use any HSBC banking services ( for example, I can't deposit any cash at an ATM and use the debit card ). Does this make any sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
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, this creditor ( navy federal credit union ) has violated my rights. Under 15 usc 1681section 602. States I have the right to privacy. 15 usc 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 1666 b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These creditors are in direct violation of my consumer rights and it's AFFECTING my character as I ambeing violated. Please remove these unknown items listed in this report ASAP or I will be force to pursueother options. According to 15 US Code 1681B I didn't give any permission to anyone or approval for mycredit to be assainated the way it's being attacked. This information isn't fair or accurate, in addition pleasedelete and remove permanently the address and inquires that is also in violation ADDRESS XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. THISINFO IS ALSO INACCURATE & UNFAIR ACCORDING TO 15 US CODE 1681B. INQUIRY XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XXXX ) Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-12-23
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
INFORMATION BEING REPORTED TO CREDIT BUREAUS ARE INCORRECT. 
THESE ARE NOT MY ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: FIRSTBANK
State: AZ
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 have NO knowledge of this Bank /debt. 
I have NOT opened this account. 

XXXX XXXX/Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Line of Credit Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$210.00} Highest Balance {$210.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: NY
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:
THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES AND I ALSO HAVE UNAUTHORIZED ADDRESS ON MY FILE AS WELL. 

INQUIRIES : 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, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES AND I ALSO HAVE UNAUTHORIZED ADDRESS ON MY FILE AS WELL. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX 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 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, NJ 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 non-monetary relief