BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is regarding a 12 day freeze hold placed on my Wells Fargo Bank Business Platinum business card. 

I realized there was a freeze hold placed on my card yesterday XX/XX/18 after speaking with a Wells Fargo Customer service agent at XXXX pst. I explained that this card is the lifeline to my business and without the card, my business is completely paralyzed. If there was an emergency supply needed or equipment failure there is no way to remedy the problem. I also advised the representative that Wells Fargo never contacted me either verbally or by email indicating that they would be taking this action. The representative did not provide the name or contact information of the supervisor. 

After enduring almost 20 minutes of bank jargon, I repeatedly asked the customer service agent to speak to a supervisor and she refused to transfer the call. I was told that she would escalate the matter and that I would receive a callback within 1-4 hours. A supervisor from Wells Fargo bank never returned my call. 

At XXXXpst, I contacted Wells Fargo Bank to find out what action had been taken to remedy this situation. I was transferred to a supervisor named XXXX XXXX and was told the freeze hold was removed from my card and I was able to utilize the card. She was also advised the funds are available for immediate payment. I was told " Don't worry We've got your back. '' At XXXX XXXX I attempted to use the card for a small transaction only to discover that Ms. XXXX misrepresented the facts and the card was still unusable. I called back Wells Fargo Bank only to be told that the per Ms XXXX the that the card " had the freeze hold removed then replaced. '' I was then transferred to a complaint division where the call was disconnected. I had provided contact information to WFB. Wells Fargo Bank Failed to return my Call. 

This morning, I spoke to a consumer representative who transferred me to a case worker within Wells Fargo Bank named XXXX. Her contact number is XXXX. She advised me that she needed to contact a different department within the bank and could not guarantee that she could get the freeze hold removed from my account. I explained to her that this is an urgent matter and that the card is the lifeline to the business, I believe that Wells Fargo Bank will continue this deplorable, discriminatory conduct without your intervention.

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 2023-01-07
Company: EQUIFAX, INC.
State: TX
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Chime Financial Inc
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed a total or 5 unauthorized transactions on my Chime Account totaling {$1400.00} all from the same merchant. I have let the bank know as well that I have no idea what these transactions are. This is in regards to my Chime account # XXXX. I did not have my debit card in my possession at this time, and the transactions are as follows : XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2023 went into the car to be a co-signer for a vehicle priced @ XXXX upon doing the application first they had you to electronically sign your name, after completing the application and going over Buyers Order. Nothing was discussed or shown about apr or all other misc. add on. Did not know about the outrageous charges untill I received the first payment notice in the mail.That 's when i made an account was able to see the outrageous cost of the vehicle.I called the bank and the young lady stated that the dealer was supposed to give me a copy of the bank documents The young lady stated she will mail me the information of the agreement. These are not the terms I agreed upon. I tried calling the dealer concerning why i was not told or shown or given the disclosure of the bank 's interest rate and high apr but to no avail. I have texted the number that was given no avail. If I was informed of the outrageous prices I would never have purchased the vehicle. The dealer sold me a car under false pretense.

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 2023-12-04
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My insurance company issued me a refund {$760.00} on XXXX XXXX and the funds will clear XXXX hours..I called navy federal on XX/XX/23 they told me I had a balance of - {$19.00} but they saw the pending refund for {$760.00} ..then I called back XXXX XX/XX/23 and navy federal tells me I cant access my funds until they subtract {$530.00} from a temporary credit reversal thats due to reverse on XXXX.which they say is when they would be finished their investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On Saturday XXXX ( around XXXX XXXX ) I went to PNC bank to the ATM located in XXXX NC. I wanted to deposit money into my XXXX Banking account. According to XXXX, I could use this ATM to make the deposit. I got to the ATM, followed commands on screen to make the deposit. Submitted the money, machine sounds like it was counting the money. Then message popped up on screen saying, " Temporarily out of Service ''. I waited about 5 minutes thinking it would spit the money back out, but never did. There was a phone number located on the machine that I called. It just said that the customer service dept was closed because it was after hours. I took a picture of screen with my cellphone so I would have some kind of proof. 
I got to work on XXXX ( Monday ), reached out to PNC back, they said I needed to contact XXXX. I reached out to XXXX, even spoke to a supervisor, and they both said it was on PNC. Called PNC once again and was on hold for XXXX minutes to be told the same thing. I need some advice on what to do, who's responsible for returning my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called into Transworld Systems Inc and Spoke to a woman agent on XX/XX/XXXX @ XXXX for 5mins and 20 seconds because I received a letter stating that I owe {$730.00} in unpaid toll on license plate number XXXX. I gave her my account # listed on the document. She said this debt was from XXXX. I explained to her that that is impossible because I just received a letter stating that I owe a balance of {$350.00} almost a month ago.Then she stated i actually owe a total of {$2300.00} from XXXX XXXX in unpaid toll from 1 year ago starting from last XX/XX/XXXX to now. I told her that was impossible. I asked her what was the license plate numbers she read of XXXX and XXXX. Now I'm assuming that {$1500.00} is unpaid tolls for XXXX. I stated again that is impossible. I am confused is this from XXXX or XX/XX/XXXX. She said both. I asked her Can you please give me the total amount due on plate number XXXX. She said she could not provide me with that. I asked her could she send me photos with dates and times and shots of the plates, she said she could not. Go on the website and find the information, which I was unable to do so because the violation number was inaccurate for the XXXX plate and it would not come up without the violation information. I stated to her, you do know we are on a recorded line and I am asking you for a total to make a payment and you are denying me and referring me to a website. I do not feel comfortable or confident that the information provided from that company is correct. Please help me. I am not working now and I do not want to be ripped off giving the little money I have now. I just want clear concise information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: National Collection Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe XXXX XXXX XXXX  University. This is false and misleading information. This collector is reporting an erroneous amount. I disputed this debt with all 3 credit bureaus and this collector changed the amount owed from {$5500.00} to {$4200.00}. Now on XXXX  they changed the amount back to {$5500.00}. How can 1 bureau show a different amount than the other 2? This company has violated my consumer rights under 15 USC 1692 FDCPA and 1681 FCRA. If this account is not immediately removed i will turn this over to a consumer protection attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I went through the process to dispute along with letters but nothing was resolved. I am currently trying to buy a home but this debt shows up as active and late. That's incorrect, it's been paid in full and should be removed from my credit report. Not all three credit buearus are reporting the same, especially Experian. Please remove this account completely. 
Thank you, 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 2023-03-25
Company: JPMORGAN CHASE & CO.
State: CO
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/2023, an unknown party purchased {$1000.00} worth of products using my credit card number on the online portal for XXXX XXXX. Sometime later, that order was physically picked up in a store far from my home by someone who was not me. XXXX XXXX does not appear to have asked for any proof of identification for the pickup. Video monitoring for the pickup ( which surely would have revealed that the person who picked up the order was not me ) appears to have been broken or is for some other reason inaccessible. 

I reported the transaction as fraudulent to my bank ( Chase ) and received a credit back for the charge while they opened an investigation on the case. 

Today, two months later, I received notification from Chase that I was being charged for the purchase again. I do not know the status of their investigation, and I will not be able to find out what happened until next Monday. I will pursue that, but predict I will be faced with many difficulties in reopening the case again by myself. XXXX XXXX was similarly unhelpful in preparing a case for me, but I don't know what really happened. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt collection letter to this Amerifinancial Solutions In the month of XXXX of 2019 Basically, I was asking them to validate not verify the debt they say I owe, In a response letter what they sent me back was a violation of my HIPAA rights. Because I did not sign any HIPAA release form with XXXX  XXXX XXXX, to share my information with the Amerifinancial Solutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Lending Club Corp
State: DE
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:
Lending club sold debt to XXXX XXXX/XXXX collector who was paid XX/XX/2018. Lending Club is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. XXXX  and XXXX  will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach Lending Club to obtain a letter as that is what the credit bureaus are requesting and Lendig Club refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. Lending Club is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with lending club, solely that they are reporting an outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: Great American Finance Co
State: IL
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 have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking account with Citi online and immediately transferred a significant amount of money into it from a XXXX  XXXX XXXX account ( by visiting a XXXX branch in order to make the transfer ). The funds showed up successfully in my Citi account within a few days. Next, I attempted to pay a contractor from the Citi account using a verified XXXX account that I've had for years and linked to said new Citi account. The payment was denied. When I called Citi to find out why, I was told a security hold had been placed on my account but was not given a reason why ( one customer service rep out of the 5+ I spoke with said they tried to validate a public records phone number associated with my name ; I have had the same phone number since I was 15 and used it to establish the account so not sure why they would take this action ). Now, I have received an email stating that my account will be automatically closed within 60 days because I " have violated the terms of your account per the client manual '' and I will be mailed a check for the amount in my account. I would like to immediately pull my money out and transfer back to XXXX  XXXX XXXX, but they are not allowing me to touch it. I am at my wit 's end and have never been so frustrated! Citi is holding tens of thousands of dollars that belong to me hostage without any sort of explanation.

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 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have multiple charges I have made complaints on from the very beginning there were multiple charges from XXXX XXXX and airline charges. I was in another state when all these charges started money was taken out of my account and I didnt even have access to my card. I made multiple complaints some charges are out of this country they still have not credited me they sent me a letter stating that they credited me but I still yet have been waiting for the money back. I would like my charges to be investigated since my identification has been abused requests for loans are under my name I already payed one off I do not have the money to repay everything these criminals have done with my finances.

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 2023-03-25
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/2023, I received a debt collection letter in the amount of {$41.00} from Consumer Collection Management , InXXXX, regarding a XXXX XXXX account for a bill from XXXX XXXX XXXX XXXX. I became aware of the bill on XXXX XX/XX/2023 and paid it within 30 days. The bill for {$41.00} was paid directly to XXXX XXXX thru their online payment platform on XXXX XX/XX/2023. XXXX XXXX acted careless when they failed to update my account status to show the bill was paid. Consumer Collection Management , Inc. is attempting to collect a debt for a hospital bill that was already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: World Omni Financial Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a car from XXXX XXXX and in XX/XX/XXXX, I traded the lease to purchase a pre-owned vehicle. Knowing that I owed extra money for a few remaining payments, extra mileage and a few minor exterior issues, I pre-paid the extra fees at the dealership upon the purchase of my vehicle in XX/XX/XXXX. The dealership assisted me in figuring out the charges and I paid a certain amount down and the rest was rolled into my finance agreement. It was almost {$2000.00} extra that I paid back in XX/XX/XXXX to take care of any outstanding charges from the lease that was turned in and it was my understanding that when I left the dealership that day, that everything was taken care of since I pre-paid all fees to XXXX  XXXX. I received zero correspondence until XX/XX/XXXX/XX/XX/XXXX, over a full year later until I was in the hospital fighting for my life with XXXX XXXX XXXX XXXX XXXX XXXX. I received a phone call from XXXX XXXX at this time, while I was still admitted to the hospital, that I owed them almost {$800.00}. I explained to them that they should have taken that up with the dealership who had received the money over a year ago and I had no idea there were any issues/outstanding payments. I explained to them my health condition but that I would try to get to the bottom of it as soon as I could. Not even a few days go by and I'm still in the hospital and receive a call from XXXX XXXX  stating that the matter was now in collections. I explained the whole situation to them and that the dealership had the money since XX/XX/XXXX when I paid it then. I also explained that I was in the hospital but would try to figure out what was going on. They said no problem and were going to give me 2 weeks to figure it out. Unfortunately a couple of days later, XXXX XXXX put a charge-off on my credit without checking with the dealership or giving me time to figure it out. If you look at my entire credit report, I am never late and pay all of my bills on time. Even this very account, which is listed as World Omni on my report, was always paid on time, never late. Then, mysteriously in XX/XX/XXXX, there is no data for the entire year on this account on my credit report, then a charge-off goes on there XX/XX/XXXX. None of this makes sense and I've tried to communicate with XXXX XXXX who admits to getting returned mail and having completely incorrect contact information for me, but will not agree to take this off my credit and make things right. Due to massive medical bills and student loans, I can not afford a lawyer regarding this right now. I don't know what else to do, I have exhausted all my efforts and have worked very hard for 18 years to keep my good credit. I feel very defeated and frustrated because there is nothing I can seem to do to get this corrected. Please help!

Company response to consumer: Closed with non-monetary relief