BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. ProCollect Inc.is illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. 

SUBCHAPTER B. SURETY BOND Sec. 392.101.  BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. 
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. 
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 199
7.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 1997.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXXXXXX, I deposited my payroll check with Bank of America because my direct deposit was caught up in a transition between accounts. Bank of America put a 5 day hold on my check stating it would be released at XXXX XXXX  on XXXX/XXXX, in writing. No probably or might be extended. The funds were not released and I called my bank and while on hold at XXXX XXXX on XXXXXXXX, I called the bank and checked my email and found an email stating they decided to put a hold until XX/XX/XXXX. This is a payroll check from the XXXX XXXXXXXX XXXX XXXX in the city, I can not pay bills, buy food or anything because they have held my money for this long. Their response is oh well, even when I stated I would file that complaint. 3 supervisors pretty much state that it is not their problem. 

This is on top of having funds that they stated were returned to another party sitting in my closed account stating they didn't have it the week before. While that was resolved there seems to be a pattern of holding deposits and not letting people have access.

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 2019-03-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 rewards from credit card

Complaint:
Today, I was trying to transfer my membership points to my XXXX XXXX account. But facing the issue like this : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
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: Their investigation did not fix an error on your report

Complaint:
I had my identity stolen and fraudulent loan made in XX/XX/2018. I identified this at the end of XXXX, filed a police report. I Spoke with the loan agency ( XXXX XXXX ) who agreed this was fraud. I filed a dispute with Expirian, and XXXX. ( XXXX required the police report which took a few days to receive ). Expirian then asked for the police report which i furnished through their online portal at the end of XXXX. 

Expirian, then reported that this was not identity fraud and the transaction should stay. XXXX   investigated and determined this was fraud and removed the transaction. i then asked expirian again to dispute. I called experian several times asking what documentation was needed from them to remove this transaction. First i was told they never received the police report. so i uploaded another copy. then i called back to confirm that they had received the copy. Then they said the police report was NOT valid because the name of the police officer had been blacked out. I confirmed with the police department that this was protocol since the officer was undercover, part of the gang unit. They also suggested that XXXX   XXXX did not consider this fraud. XXXX XXXX had been in regular contact with me. i had signed and affidavit and they had confirmed it was fraud as demonstrated by transunion which also confirmed XXXX   XXXX knew this was fraud. I offered to furnish expirian with both the phone number for the police department working on the case AND the number for the XXXX XXXX fraud investigator who could confirm it was fraud ( i offered to call both while on the phone with the experian rep ). THey declined both offers. they suggested i get a letter from XXXX  XXXX stating this was fraud, which i am willing to get, but i asked them for what specific criteria needed to be included in the letter for them to accept this document. They had no predefined criteria that would guarantee that they would even accept this letter. Everytime i called Experian they gave me a different reason why they could not resolve this dispute. They put the blame on XXXX XXXX, but as mentioned when i offered to call my contact at XXXX XXXX they declined. XXXX  contacted XXXX XXXX and XXXX XXXX confirmed this as fraud. I also asked experian who they were contacting at XXXX  XXXX ( so that i could have the XXXX XXXX  fraud investigator call the appropriate division at XXXX XXXX ). They said they could not furnish this information. This involved multiple called with multiple people at Experian giving me different answers each time as above. All while still keeping a fraudulent transaction affecting my credit score.

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 2018-04-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
We took out parent plus loans for both our children while they attend XXXX University and deferred the payments. When our son and daughter graduated from college in XX/XX/XXXX, our son and XX/XX/XXXX, our daughter, we contacted Navient to start the loan repayment process and hopefully lower the payments according to their income. But we were told we could not do that, after we were told this is how we should do the loans when they started college. we were also told we would be able to switch these loans into our son 's and daughter 's name after they graduated but that also isn't true. Now we and both our con and daughter are strapped with high interest payments for the next 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Consumers , Inc. ( UCI ) XXXX XXXX  XXXX XXXX, VA XXXX mailed a letter regarding an alleged collection on behalf of a company I have never had any account with for any reason. After repeated attempts to call and contact through text and chat, along with numerous calls to the alleged original creditor and its partners, I concluded that UCI falsely claimed this debt is owed, while stating " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' A quick XXXX search confirmed that numerous others have suffered the anxiety and discomfort resulting from collections due to UCI 's regular business practices of ( at the very least ) misrepresentation and ( likely ) fraud. Please do something about this awful organization.

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 2021-02-11
Company: Experian Information Solutions Inc.
State: CA
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:
My Experian score was XXXX on XX/XX/XXXX. Refinanced mortgage, shown paid in full on XX/XX/XXXX with positive status on Experian. At same time I received a notification from Experian that they dropped my score 15 points and another minutes later that dropped me from good to fair. Made over 12 attempts to contact Experian. Was able to get thru 2x. Both calls dropped after being bounced around and on hold for over hour each time. Then today XX/XX/XXXX received notification that report was updated and my new loan was reported dropping score another 3 points. I didn't cash out only refinanced the balance. Experian even states that paying off loans will raise score. I have nearly no debt and certainly less than I did when I refinanced. I had poor service from my servicer XXXX  prompting the refinance. Oddly enough my loan was sold 3x before my first payment was due and XXXX became my servicer again. There is a problem when score dropped 18 points in less than a month. Also the notification from XX/XX/XXXX were no longer there, but I saved them before disappeared.

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 2020-07-15
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I purchased XXXX anti virus service for my pc last year for around {$35.00} and this year when the service expired XXXX charged my credit card {$99.00} with out my permission by way of papal and papal refuse to return the money to my credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
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: Overcharged for something you did purchase with the card

Complaint:
Chase Freedom Visa and violation of 2018 Senior Safe Act and Elder Fraud. On XX/XX/2019 I reported a dispute with two charges made onXX/XX/2019 on my XX/XX/2019 Chase Visa Statement. After my calls and written dispute letters, Chase 's  Customer Service stated they could not help me because they had two " online Square '' receipts with my signature from a " Face-to-Face '' transaction. I told Chase that I was overcharged : I thought the purchase was for {$40.00} but the Chase Statement ( and apparently the online Receipts ) show {$4200.00} and {$310.00}. I believe Chase Visa is in violation of the 2018 Senior Safe Act because my spending/charging history clearly proves that I do not make such large purchases for cosmetics. I am an elderly senior citizen and would never spend such a large amount on cosmetics -- especially not at a XXXXXXXX XXXX XXXXXXXX XXXX in XXXX Florida. Nevertheless, Chase authorized both charges of {$4200.00} and {$310.00} without red flags from its Chase Fraud Dept. I am alarmed that Chase would authorize this amount because other card companies ( notably XXXX ) would have declined authorization until I contact them directly to verify the amount. Furthermore, Chase Customer Service was clearly not sympathetic and left garbled messages on my answering machine to call some number that sounded fraudulent. I did contact the merchant ( XXXX XXXX ) to try to get an itemized receipt and a refund. XXXX aka XXXX in XXXX FL was unable to provide me with an itemized receipt of what I had purchased for that extraordinary amount of money. Furthermore, XXXX told me absolutely No Refunds and I could not even exchange unused products after 14 days. As a retired very elderly senior citizen on a limited income, I am horrified by both Chase Visa and XXXX 's disregard for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXXXXXX Balance : {$8900.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-11-04
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: Was not notified of investigation status or results

Complaint:
The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
THis Credit card from a place called XXXX XXXX bank pulled my credit hard i have conversated with them twice they refuse to take this off my credit report i did not authroize them to pull it someone used my info to apply for a credit card or they tried to set up an account without my authorization and they are refusing to do anyting about it. 
they wont admit that i didnt authroize it they just look at the fact that someone used my phone number and info to apply for an account and it was not me sometimes i share my phone or friends use my phone number but i also know its possible to use phone numebrs iwthout having the phone i get calls all the time from waht shows my own number on the caller idea because people are trying to fradunetly collect money and other stuff from me or sell me fake stuff but they can make it look like a call is coming from another number so i know its possible to clone a number but this company XXXX XXXX is not willing to do anyting about the fact they messed up and wont fix there XXXX up now i dont have their card never did never applied for their card and i never would.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus dated XX/XX/23, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

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 non-monetary relief
Consumer complaint received 2021-02-11
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My uncle from LA ( US ) sent me $ $ $ using xoom yesterday, I've been visiting the designated agents like XXXX, XXXX, but they are all having the same feedback on me which is ( transaction number not found and their system don't receive the remittance transfer yet ) tho my uncle already successfully sent it yesterday. We need the money asap because of emergency. Please help us. Frustrating. 
Sent date : XX/XX/2021 XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX Wells Fargo opened up 3 accounts under my name without my knowledge or authorization! account # XXXX / # XXXX / # XXXX! on XX/XX/XXXX i filed a complaint about 3 other accounts with the same action done to them. On XX/XX/XXXX letter came on the subject ; Mediation option available to me. On XX/XX/XXXX Wells Fargo sent me letter stating they conducted a review of unauthorized accounts they apologize and enclosed a {$85.00} check! They stated you may have or will receive a notification about class action settlement related to the opening of unauthorized accounts. Go to WFSettlement, com by XX/XX/XXXX! Checking it out my name was on list and told me {$85.00} check was standard for anyone who filed complaint on this crime! Here to find out someone removed my name from list and i found this out from the Office of the Controller of the Currency addressing the banks sales practices! On XX/XX/XXXX Wells Fargo wants to ensure you are satisfied with how your complaint was resolved! Im victimized again. Wells Fargo doesnt care about me! If the table was the other way around i be headed to jail Wells Fargo would make sure that happen!

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