BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I made an online purchase when I figured out that a company is scamer I cancelled the agreement with them, so they refunded after that I saw the refund in my bank account i mean the number, i called my bank they said i had the refund in my account but i couldn't use the money, I made a claim with my bank, i went to understand more in a bank brunch, they said wecan not doanything they kiked me out of the branch, after few days they said i spent the money even the bank statement shows that all my purchases were after transfering from my saving to checking, i called my bank again they said i spebt them, after few days i received a letter from them saying the claim is closed

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 2019-05-30
Company: EQUIFAX, INC.
State: NV
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX/XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The absolute tragedy of XXXX XXXX and thinking that on my credit cars that reports to all the CRAs could actually close my account for Telling them that I had filed a report with the CPFB, Little they care of the discrepancy when I was told not to file for an authorized charges when thats exactly what happened. I submitted the report and they closed my account which no credit and reflects negatively on it. 

XXXX XXXX / XXXX has over 2300 complaints on the internet mostly for reinserting old debt as a form of extortion and despite the submission of the facts to you folks and the FTC these Companies seem to work together to make our lives difficult. 

As a single father was XXXX dollars to raise I cant seem to let this happen since it is not just.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Santander Consumer USA Holdings Inc.
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:
its shows a lot of late payments on XXXX Iwas never late with satander consumer usa and XXXX XXXX card please removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: NY
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 checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed XXXX XXXX XXXX has this account should be removed / deleted been an ongoing issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Friendly Finance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2019-Friendly Finance Rep called and left a msg stating she would move forward with locating my vehicle for repossession. I called her back within a few minutes and scheduled a pmt arrangement to pay XXXX pmt on XX/XX/XXXX and XXXX pmt XX/XX/XXXX. I explained that I did not have card or account information to provide her and I would call back on the XX/XX/XXXX to pay. 
XX/XX/2019-Friendly Finance rep called again and I gave the same pmt arrangements again and also explained that I had already made arrangements the previous day. When I was not able to provide her with my debit card number she said she would just call back on Monday XX/XX/2019- Friendly Finance rep called again. I explained to him that I have made the same pmt arrangements every day this week and nothing was going to change. If my arrangement to pay was not sufficient then the reps should have explained that on previous days. He said my plan to pay on XX/XX/XXXX was noted but not the arrangement for XX/XX/XXXX and that he would document that. I explained to him the rude communications that I have been having from them. I told him what the previous rep said about calling me on Monday when I wasnt able to provide my bank acct number or card number and he suggested that I do not answer the call on Monday XX/XX/2019-Friendly Finance rep XXXX called. I explained that I have already made arrangements almost every day this week. I was upset about the 4th conversation within 5 business days. I told her my arrangement wouldnt change and to stop calling my phone and she threatened to move forward with repossession efforts. I called and spoke with who I thought was a supervisor. She explained that my call was being recorded and that my complaint would be given to her manager. I also requested that XXXX not call me again or handle my account any further. 
My account is not even 30 days past due yet. Why am I going through so much and being harassed almost everyday. This is entirely too much. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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: Information belongs to someone else

Complaint:
There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however XXXX responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. XXXX refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However XXXX is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, The problem I have is with Chase Bank - Chase.com. 

I have a checking and a credit card with Chase bank On XX/XX/2019 I submitted a one time payment online, using chase bank application, of XXXX $ - the payment was towards chase credit card Chase by mistake or by their application issue charged my checking account 2 times of XXXX . Therefore i can see that XXXX $ was taken away from my chase checking account. 

But checking credit card processed and received only 1 payment of XXXX . So I lost XXXX $ ( 2 times of XXXX $ ) from my checking account and credit processed only one XXXX . Therefore Chase bank stole second XXXX $ from my checking account I'm calling chase bank daily regarding this issue, spend 5+ hrs on a call with chase bank, went to a chase branch, talked to at least 5 managers, sent at least 7 emails to chase bank Everyone I spoke to from the chase bank can see and they agree that XXXX $ disappeared from my checking account, they agree that bank somehow charged XXXX $ by mistake and those money has to be back, BUT none from chase bank helped to return XXXX $ back to checking. They keep directing me to debit card department, debit calling credit, credit finger pointing back to debit, managers pointing back to debit, credit, claim department, claim department telling its not a fraud and they can not help. I spent a week trying to return stolen by chase bank money and Chase bank did NOTHING to help so far other than finger pointing to its different departments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: FL
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 certify that Equifax and XXXX has been notified through third-party CFPB of fraudulent accounts and alerts on report. Equifax and XXXX was asked to validate the account information being reported by providing original certified copy of contractual agreement. Equifax has left remarks that are not accurate on my report, accounts discharged off show a charge-off status with negative remarks. Equifax has also had my information breached 3-4 times past few years including compromised accounts. 
Can Equifax, or XXXX provide certified original contract for XXXX XXXX? Can either agency provide certified contract agreements for the alleged accounts showing an obligation on my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i transmitted {$370.00} by international wire transfer to a recipient in XXXX using my Bank of America account on XX/XX/XXXX. 

Bank of America is insisting that i provide passport and other information of the recipient. Upon receiving this request, i informed Bank of America to cancel the wire request and return the funds to me. 

Bank of America continues to insist that i provide the above, which i cant do since i can not force the recipient to provide. 

I have asked Bank of America and they have informed me that they will charge me {$35.00} for the transfer and hold my funds indefinitely. 

I have asked Bank of America to explain why they are doing this to me, but with 5 people from BoA on the email thread, nobody has offered any explaination why they are acting this way. There is no reason to dispute the source of funds, since it was from my employer through regular payroll. 

i feel intimidated and threatened by Bank of America. as a small consumer, i have no recourse against BoA and need help from CFPB to resolve this matter.

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 2020-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I was notified by Maryland Unemployment agency of benefits being deposited into account and have not received a card. There was no option to have funds deposited to any other account but a specified " Bank of America '' prepaid card. I do NOT do business with Bank of America and never received the card. My personal information was forcefully shared with Bank of America from Maryland Unemployment Insurance as " the only option for payment ''. I have not received my card in weeks and suspect fraud. 
They are now charging a fee at their convenience to send regular XXXX of card which is totally bogus. It's seems they sent prepaid card purposely through snailmail and are trying to profit off of {$10.00} to " resend '' something that was purposely not mailed properly. Knowing that people are in need of their money and two weeks is enough to pay the fee to have it really sent.

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 2019-06-08
Company: Blitt and Gaines, P.C.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This firm XXXX XXXX XXXX, XXXX / BLITT AND GAINES, P.C filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CITIBANK, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal

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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capital One Branded Credit Card and received a form letter in the mail advising me that they have reduced my credit limit for no other reason than I am not utilizing all of my available credit. I contacted Capital One and was advised that the decision is final and was treated with a snarky have a nice day at the end. Call lasted all of 20 seconds. The credit limit was reduced by 2/3rds and will negatively affect my credit score. I have excellent credit and strive to maintain that rating. I have two of their Credit Cards and fully expect to see another letter for the other card also reducing it by 2/3rds. This will have a cumulative affect on my credit score in the negative direction. A credit card company should not have the ability to arbitrarily reduce one 's credit limit when there the customer has excellent credit and payment history. There is no underwriting reason to do so. Many customers are receiving the letters and lots of complaints on XXXX. I am demanding my credit be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have did a police report XX/XX/XXXX I have called the credit agency XX/XX/XXXX XXXX XX/XX/XXXX XXXX I  have sent certified letter XX/XX/XXXX XX/XX/XXXX The agency have violated my right and will not remove these account of my credit under the fair act reporting. 
The company the are fraudulent are 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 2020-03-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this account in full with Synchrony Bank in XX/XX/XXXX. Now as of XX/XX/XXXX this account showing up with XXXX XXXX. I have tried numerous times to have this rectified by

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 2021-04-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018, I ended my 15 year relationship with XXXX. A few years prior I had negotiated getting every channel for {$100.00} a month. When this offer ended I switched my service, and I wound up paying various amounts every month from XXXX to nearly XXXX a month. In XX/XX/2018 XXXX approximately ) I called XXXX to cancel my service, since I used to get every channel for {$100.00} a month and I was now paying almost 2.5x 's  more while getting far fewer channels. The lady I spoke with said she could put me back on the {$100.00} a month for every channel plan, so I agreed. About two weeks later I got a letter from XXXX telling me they wouldn't honor the deal I made with one of their representatives. They attached an agreement to this correspondence saying they could do it for {$150.00} a month, and they wanted my signature on the agreement. As soon as I was able XXXX a couple of days ) I took all the equipment in my housed brought it to the XXXX store nearest my house and cancelled my service. About a month later I received a bill from XXXX for termination fee. They have never stopped. 
Other than my I initially started my service with XXXX, I never signed an agreement with them. All deals were made over the phone, and I was never late nor ever missed a single payment. I don't owe XXXX anything. They broke the deal, not me. They then had the audacity to send this bogus charge off for debt collectors, who constantly harassed we and my family. Now they have sent a Major Derogatory alert to the credit bureaus, damaging my excellent credit rating that took me years to build. 
I owe XXXX nothing. I hope the CFPB can force XXXX and Convergent Outsourcing to retract the Major Derogatory from all the major credit bureaus, and once and for all cease and desist from harassing a former loyal customer just because that customer finally decided to end their association with their greedy corporation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI 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