BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has program on its website called Overdraft rewind. If a check cannot be paid in nightly processing due to insufficient funds, but a direct deposit is received the following morning by XXXX, they will pay the item and not charge overdraft fee. I work for XXXX and am paid via direct deposit. I met all the program requirements and was charged overdraft fee anyways. They claim the pay  from XXXX is a transfer rather than a direct deposit. It is so misleading and consumer cannot know the difference. Its an electronic pay deposit from employer. The Wells Fargo representative wouldn't reverse the fee and said they she only knew it isn't direct deposit due to coding. This  program is so misleading. I request to file complaint and have my money refunded.

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 2019-09-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had an American Express Serve Card with a balance of {$55.00} on it and a Bluebird card ( also from Amex ) with a balance of {$6.00} on it.American Express " froze '' both cards and refused to give me my money back.I wrote them a letter a month ago to : American Express XXXX. XXXX XXXX XXXX, Ga. XXXX. 
I asked for my money back. I have had no response from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX  canceled a credit card I've had opened with them for over 10 years because of an issue of my social security number.The account was a business card in the name of XXXX XXXX XXXX XXXX XXXX last four digits # XXXX the card had a Credit Line {$5700.00}. 
They closed the account because they kept asking for a Federal Taxpayer number. I told them many times that I used my personal social security number on the original application. this account was opened as sole proprietors account. 
XXXX XXXX allows a customer to use '' Your Business Employer Identification Number ( EIN ) or Social Security Number ( SSN ) for Sole Proprietors-Your Personal Social Security Number '' I used my social number for this credit card account. They refused to accept this and when I write them it takes them 90 days to respond. They have hurt my credit score by closing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Experian Information Solutions Inc.
State: IL
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:
Sense XX/XX/2017 I'd been sending inquiry dispute against to all three credit bureaus with no luck. I have a fraud alert on all my reports I ask all three to send me proof that I applied for credit that had my signature. They didn't provide me proof of it and still i send in dispute letter to have them removed with no luck. All three credit bureaus today still not given my proof that are valid and they still refused to remove them off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with Midwest Recovery Systems, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX XXXX recent breach caused major concern ). The representative stated that this debt opened in XXXX of XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XXXX of XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the CFPB about this debt before in case XXXX. The hospital is part of XXXX XXXX XXXX XXXX. The service date is shown on a bill but the bill shows a very different amount. I was able to speak XXXX XXXX XXXX billing office about the bill they sent me and they said that the amount they were showing as outstanding was different and they would investigate and send me a revised bill. That phone conversation happened on XXXX17. I am unsure how I can be working with the provider on something that has been sent to collections. I feel that some sort of clarification is needed. The charge may also be the result of identiy theft but I need to have a conversation with someone to figure that out. 
The people at Overton will just repeat the amount they think I owe and that is not helpful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had a freeze on all 3 reporting agencies for 25 years. I only open them if I need to purchase a house, car, etc. I wanted to increase my credit line with my visa at my credit union bank. I successfully opened XXXX XXXX and XXXX  for a month. I could not open Experian - which is the only credit reporting agency all credit unions use, so I was not able to up my credit line. I had successfully opened Experian in 2017 for 2 months and they gave me a pin number they don't recognize now. All of the ways of opening it are on-line and one of the phone numbers they list sends you to a person who tries to get you to purchase a plan which costs {$290.00} to open at your freeze at will and monitor your credit. I told them no. The other number puts you in a hold and drops you off the call. They also tell you to write to them at a P.O. Box and give your information so they can be sure who you are, which I did with a request they unfreeze my credit for a month. I never received anything back.

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 2018-12-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today, XX/XX/XXXX, I received a phone call from XXXX at XXXX XXXX XXXX in Georgia. He told me he was attempting to collect a debt owed to HSBC Bank in the amount of XXXX. I was informed that this account was opened in XX/XX/XXXX at an address that I have not lived at since XX/XX/XXXX. When I  informed him that not only did i not have an account with HSBC and didn't live at the address when that card was opened, he basically disregarded me and said I'd have to go to court to dispute that. He refused to provide any further information stating that some credit cards have a small hsbc bank written on the bottom of it but he couldn't give me anything more than HSBC and the account balance. He also informed me that he would only email me the affidavit of claim and i had 24 hours to decide if i was going to make payment arrangements or have it go to judgement. 
After I hung up I called HSBC bank who informed me they had no record of me having an outstanding debt with them or in collections. 
I found out some of my rights to information from cfpb and contacted the company back. When I called they tried to verify the last 4 of my social which i refused and was hung up on. The man XXXX I spoke too called right back and was nasty asking me what I wanted. I asked him to please provide a copy of the affidavit via mail ; he refused stating that " it's too easy for people to claim they didn't get the letter ''. I told him he's required to send correspondence via mail and also to provide who my creditor was as well as giving me 30 days to dispute. He said he wasn't required to do anything, that he was marking me as a refusal to pay and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The following names on are incorrect on my credit report : XXXX XXXX ( Extra XXXX in my first name ) XXXX XXXX ( Last name spelled with a XXXX ) The following addresses on are incorrect on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( This address is not correct. Where did park come from? Also, it 's classified as an apartment ) XXXX XXXX XXXX XXXX NY XXXX ( Missing XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX NY XXXX ( totally incorrect as the apartment is in the street )

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 2019-09-27
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
COMPLAINTIDPRIMARYCONSUMERPRODUCTANDISSUECONSUMER-IDENTIFIEDCOMPANYSUBMITTEDSTATUSXXXXXXXXXXXXGeneral-purposecreditcardorchargecardClosingyouraccountELANFINANCIALSERVICESXX/XX/2019Thecompanyrespondedpromptlywithanexplanationthathadnothingtodowithmycomplaint.
STATUSSenttocompanyonXX/XX/2019CompanyrespondedonXX/XX/2019RESPONSETYPEClosedwithexplanation/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/Myoriginalcomplaintwas:Icannotuseaphone.
Iopenedtheaccountwithoutusingaphone.Icannotgetaccesstomyaccountwithoutusingaphone.Icannolongerusethecreditcardbuttheycontinuetakingmoneyfrommycheckingaccountmonthly,andIcannotstopit.Icannotevenclosethecreditcardaccountwithoutusingaphone.Irepeat:Icannotuseaphone.

Thecompanyrespondedpromptlywithanincorrectexplanationthathadnothingtodowithmycomplaint.

CompanyresponsesaysIcannowaccessmyonlineaccount.ButtheynowwantmetosupplytheanswertoasecurityquestionthatmakesnosenseandIhaveneverheardofbefore.

"whowasyourfavoritemanager?''managerofwhat..

IwasgiventwophonenumberstocallifIhadanyquestionorcomplaint.

CompanyresponsealsosaysIcannowaccessandusemycreditcard.whenItriedusingitIwasrefusedandgiventwophonenumberstocallifIhadanyquestionorcomplaint.

Pleaseseethefirstsentenceofmycomplaint.


XXXXXXXXXXXX

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 2017-11-21
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am contacting you a second time because I do not think my problem was addressed right.I told the bank about my problem but they seem to be stuck on one issue.The company was to send me a release form and never did.They obviously did this on purpose as to extend more time.I never used this merchant in any way shape or form.The company I was dealing with was XXXX XXXX, not XXXX XXXX.XXXX XXXX must be involved with XXXX XXXX as they used their merchant account.There not going to send a release to sign.Neither one of these companies have rendered any kind of service whatsoever.XXXX at XXXX XXXXd says they can not take the money back from the merchant because of the time that has lapsed.I have been defrauded out of money on all my cards and learned a lot.I know they can go back as far as 538 days.If XXXX XXXX was legit, why would XXXX XXXX pay me back.These companies are using merchant accounts to defraud the elderly.The fair thing to do would be return my money.I would like to know what XXXX XXXX told 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 monetary relief
Consumer complaint received 2018-03-18
Company: AES/PHEAA
State: WI
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: Problem with personal statement of dispute

Complaint:
During the time period my student loans became past due, I had been experiencing some inconsistencies/glitches with the AES website that made it unclear what payment was due. I had made attempts to log on between XX/XX/XXXX and XX/XX/XXXX and at times the website showed that either a zero balance was due or only {$19.00}. There were also attempts to log on that resulted in the message Were sorry - an unexpected error occurred. I have attached screenshots of examples of this. This was confusing as I was used to to seeing payment due in the {$250.00} dollar range. I would greatly appreciate the removal of the negative credit reporting that is listed as 60 days late for all 5 of my loans. I am applying for a home loan in XX/XX/XXXX and will not be approved without these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.

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 2017-12-05
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Wrong inquiry from Fairway mortgage. I did not apply for any mortgage with this company. please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the first part of XX/XX/XXXX this checking account with US Bank was overdrawn and closed out. A class action lawsuit was filed against US Bank for charging excessive overdraft fees and for the way in which they posted checks to the account. I was a part of this lawsuit. In mid XX/XX/XXXX, I received a letter from a collection agency stating that I owed around {$1800.00} on this debt and it needed to be paid. I stated to the collection agency that I was part of a class action lawsuit against their client, US Bank, and the lawsuit had not been settled yet. I agreed to pay a set amount of {$720.00} and then receive a Release of Liability letter from them, which would release me from any further obligation to this debt. I made the required payments and received the Release of Liability letter on XX/XX/XXXX. This debt is no longer valid because of that. Since XX/XX/XXXX, I have been repeatedly contacted by different collection agencies, usually 3-4 times a year about paying this debt. Each time I inform them of the ROL letter and provide a copy to them and then do not hear anything, assuming it is taken care of. Then usually about three months later another collection agency contacts me again. I have been threatened twice now to be taken to court and both times when I bring up the ROL letter, they say they are going to take care of the matter. This has been going on for almost four years now and I am tired of it. US Bank has clearly violated the Fair Debt Collection Practices Act on several occasions.

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 2019-09-27
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I called to settle a debt on all 3 credit reports. I C System Collections promised to delete the debt on all 3 reporting agencies if I paid the debt in Full. I paid both debts in full and all I received was a letter stating promise to pay or what I C Systems calls a receipt. I have called repeatedly asking for a deletion letter and they refuse to do it after they promised to do so. I paid {$300.00} to remove both debts. I have also asked them repeatedly to remove the medical bills from my credit report because it violates my privacy rights. IC Systems continue to be rude to me when I call after I paid the debt. 
One debt was {$110.00}, the other was {$180.00} The company reported each debt but I paid them both together. 
IC Systems Collections XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: PA
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX bought a new car, went to XXXX/Synchrony got the car rust proofed took out a 12 month no interest credit card set up a auto payment never got a billing statement at all. Four times I called them and they said they would send a statement never did. In XXXX of XXXX I bought a set of tires with six months interest free for 6 months if paid in full still never got a statement. in XXXX or XXXX called again they had charged me over 700 in interest because they made sure they were not payed first amount rust proofing was all paid to XXXX charged 400 plus and the tires another 300 plus still no statements to see where the payments were going or given the option to pay it off I received my first statement in XX/XX/XXXX. I have three accounts with them and two of them having the same problem no statement can't see where the money is going HSN, XXXX, and tires on XXXX which is now closed this company practices is very dishonest so you never pay off the specials they offer they need to change their way they do business Thank You

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 2020-10-09
Company: Experian Information Solutions 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 filed a CFPB Complaint # XXXX and Experian responded with " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. '' How can I prove that the complaint was sent directly by me and authorized by me? My EXPERIAN Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation