BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The ATM for wellsfargo on the XX/XX/XXXX I went to deposit XXXX I had all XXXX dollars and XXXX XXXX dollars when I looked on my account it only had XXXX we went inside to c if we can get the rest of the money they said I would have to file a claim my husband had problems with the atm machine and didnt get a receipt so I filed a claim on XX/XX/XXXX Wellsfargo put the XXXX into my account now the did an investigation and took the XXXX back and left me with a balance on - XXXX it took all my food money and for my bills I live on fixed income we know the XXXX was deposited I no for sure we put in the money we even went inside as soon as XXXX we turned around please help XXXX poor and I have been taking advantage of if we dont have the money and they dont have the money where did it go Thank u 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 2022-01-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased three items XXXX  {$2.00}, XXXX at Best Buys in XXXX  NY XXXX in the store on XXXX. The delivery and installation to be made on XX/XX/XXXX and XXXX. 

Note I opened a Best Buy house credit line with the understanding I would be billed after delivery and installation. 

On Friday XX/XX/XXXX Best Buy the credit statement bill in the mail with a due date of XX/XX/XXXX I contacted Best Buys Credit customer service and complained that I should be forced into making a payment for goods not yet delivered or installed only to be told that if I did not make a payment I would be assessed a late charge and interest. 

On Thursday XX/XX/XXXX I was informed that my delivery and installation was delayed and I would not get delivery until until XXXX XXXX Due I have recourse. This appears to be illegal?

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 2017-07-28
Company: Evergreen Financial Services Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have a few accounts that have been placed for collections with Evergreen Financial Services. Of those a few of them have been collected via separate writs of garnishment. I recently went to court to have a newer debt that was placed with them validated by the court and was told that I could set up payments for the amount owed. Before I knew it there was a garnishment of my paycheck happening and without a new writ of garnishment. I asaked my payroll department and they forwarded me a document that shows that the writ is a continuation of a writ, but this debt had never been a garnishment to begin with. This made me and payroll think that they were using an old order for a garnishment to withhold on this new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Someone at phone number ( XXXX ) XXXX calls every day saying they are from HSBC and we owe an " umbrella line of credit '' for thousands of dollars. We have never heard of this and do not owe any money. They threatened court action, actually saying there was a judgment against us. Told me I will " regret it '' if I don't pay today. I googled the number and it's almost word for word what they're trying to scam people for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
Equifax ; XX/XX/XXXX and XX/XX/XXXX are incorrectly reporting a charge-off in the amount of {$4100.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was deemed a total loss. Consequently, the vehicle was sold at auction and sold for more than the balance owed. In addition, I had GAP insurance at the time so any outstanding balance due was paid. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have attempted to get itemized and detailed explanations of unexplained charges from Nationstar/ Mr Cooper . I have sent correspondence directly to Nationstar/ Mr Cooper , sent a QWR, and filed a previous complaint with CFPB. This is my second complaint. Nationstar/ XXXX XXXX has responded by sending me loan agreements. The paperwork is not an answer to my request for itemized explanations to the charges. There is no itemized calculation included in the loan agreements. I am now going to specifically request an itemized detailed calculation explaining the XX/XX/XXXX charge for {$6900.00}. This charge is listed as NO DESC AVAILABLE on the account transactions listing sent to me by Nationstar/ Mr Cooper in response to my previous CFPB complaint. I do not understand this charge. I was not explained this charge by being sent copies of loan agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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 REACHED OUT TO THE CREDIT CARD COMPANY XXXX BACK WHEN THE CHARGES SHOWED ON MY STATEMENTS AND LET THEM KNOW THAT THESE CHARGES WERE FRAUD AND I DID NOT AUTHORIZE THEM OR HAVE ANY DEALINGS WITH THESE COMPANIES. AND I DID NOT GET ANY RESPONSE FROM THEM LETTING ME KNOW THE OUTCOME. SO I THEN CALLED WITH A FRIEND OF MINE TO GAIN SOME HELP AND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. I AM XXXX AND HAVE BEEN THROUGH SO MUCH WITH THE CREDIT CARD COMPANY THEY WERE VERY MEAN TO ME TALKING DOWN ON ME AND IM SO  STRESSED OUT ABOUT ALL THIS. I WILL LIST ALL THE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT ; FROM XXXX CREDIT CARD ; XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX THIS IS ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT THROUGH THE YEARS OF ALL THE MONEY THAT WAS STOLEN FROM ME TOTAL OF XXXX AND THE CREDIT CARD COMPANY WILL NOT HELP ME WITH NOTHING. THIS IS VERY UPSETTING AND IT MAKES ME SO UPSET HOW THEY TREATED ME AS THERE CLIENT AND NOW THAT IM XXXX THEY TELL ME I FORGOT I DID ALL THIS AND TOLD ME SOMETHING IS WRONG WITH ME AND I NEED TO GO IN A NUSRING HOME. THIS IS JUST NOT RIGHT. PLEASE HELP ME GET ALL MY MONEY BACK THAT WAS TAKEN FROM ME OVER THE YEARS PLEASE.

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 2021-09-13
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$25000.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX is attempting to collect on a debt that they are aware is over 10 years old. I've notified them that the debt is old and it should be removed from my credit report. They told me " they don't report to the credit bureaus '', which as I understand is a very old tactic. I asked for proof of the debt, which they sent, and confirmed that it was old and should not be reported on my credit. I again requested that they remove the debt from my credit report. They have not complied and are telling me that the debt is still valid when they were never holders of the debt and the utility company is no longer collecting on the debt, as it has aged out of their system.

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 2017-09-13
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: Old information reappears or never goes away

Complaint:
I bought a recreational vehicle and financed it through XXXX XXXX XXXX over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX failed you work with me when I had card theft issues and ended up with a negative balance I couldnt afford to pay off at the time. I stipulated with them I would not be paying the overuse balance as my card had been stolen. They claimed the charges were valid and thus fast track a while into the future and on my Transunion Credit Report I was hit with a collection from XXXX XXXX XXXX a debt collection agency whom opened the collections account on XX/XX/XXXX to the tune of {$850.00}. This ended up remaining on my report and after two years of attempting to resolve the situation I find on XX/XX/XXXX a duplicate account to the tune of an eerily similar {$840.00} had been added to the defaulted accounts and debt holdings section of my credit report. 
I filed a dispute shortly after via Transunion for the XXXX XXXX XXXX duplicate account. They came to the conclusion somehow that in fact this meets FCRA requirements. Which to my kkowledgeI understand that a debt may somehow be sold from one debt consolidation company to the next over a period of time. But I only ever had one account with the original creditor and this only one debt account can be established for said debt. Not only has this been negatively impacting my credit score to the tune of around 20 points or so but if Im not mistaken ; under the fair debt collection laws it is illegal for this XXXX XXXX XXXX to keep reporting a disputed claim and somehow legitimize it to Transunion when there is literally two duplicate accounts for one original debt. I have done all I can to get this duplicate negative account mark removed to no avail. Please help me or provide me the information I need on where or how I may fix this problem. 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 explanation
Consumer complaint received 2017-11-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My case was in 2011 where I had a checking account at 5th Third Bank, XXXX XXXX XXXX branch. I had the account connected to my XXXX account. I was making an international call on XXXX, which had enough money for that call. At that time I was not aware that XXXX automatically charges the debit card when the calling money runs out. XXXX did try to bill my card but it did not go through because I had insufficient funds in my account. The bank went ahead to charge me for overdraft and daily overdraft accumulation. I was n't working at that time since I had just moved to XXXX from XXXX. However, I tried everything in my power to resolve the issue with the bank to the point of selling XXXX XXXX but it never helped to stop the daily charges. I went to the bank to try and resolve the issue with the manager but he said " it was company policy ''. 
I am writing today because a XXXX XXXX XXXX, I suspect he works for a collections company at phone number XXXX contacted me about this issue and threatened to take me to court. They opened a case for me at their company case number XXXX and told me to settle for {$800.00}. 

I understand the overdraft just as I did then. I tried to resolve the issue then but the bank was only concerned with making money on a poor soul. I thought this was over the time the bank closed my account but here it is. I do n't think this is justice and fair. I need help on what to do or even legal representation if worse comes to worse. 

The bank did not pay for my XXXX credit. XXXX dropped the call because of insufficient funds. So, why do I have to pay $ 800+ on a product I did not consume? 
Please help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: McCalla Raymer Leibert Pierce, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a withdrawal letter dated XX/XX/2019 from the law firm of McCalla, Raymer, Leibert, Pierce, XXXX XXXX XXXX., XXXX, CT XXXX. tel # ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( myself ) w/out costs to any party regarding a reinstatement refinance that I inherited from my late father. I am the successor of interest to the property where I reside. The attorneys were paid over {$3000.00} by me included in the {$18000.00} reinstatement fee wired to XXXX XXXX XXXX  on XX/XX/2019. After that date, I received a letter from McCallas employer, XXXX XXXX stating their attorneys wanted {$1900.00} more. I called & emailed the McCalla firm 3xs asking what the fees were for. They will not and have not responded. I called & faxed XXXX XXXX many times regarding the fees. XXXX will not say what the fees are for. The attorney fees were initiated XX/XX/2019 after the wiring and withdrawal. Please, look into the over inflated attorney charges. I want McCalla to show me in writing what the charges are for & the dates when all these extra charges occurred. XXXX XXXX contact is XXXX XXXX. Tel # XXXX Ext. XXXX XXXX XXXX XXXX. 
XXXX XXXX, IA XXXX. Ms. XXXX will not respond to that question. McCalla law firms address is XXXX XXXX XXXX, XXXX, CT XXXX. Tel # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I disputed a credit card account that I had not opened, applied for, nor had I ever used with XXXX  XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX acknowledging this dispute was fraudulent and that they had submitted a request that the tradeline be removed from my credit report and to allow 60 days for that to take place. On XX/XX/XXXX, I disputed the XXXX  XXXX account that True Accord had notified me about ( True Accord is contracted for XXXX XXXX ). I sent in the letter to True Accord for verification that this account should not be in XXXX XXXX 's possession and I am not liable for it. On XX/XX/XXXX I received another notification from XXXX XXXX attempting to collect the debt. I responded requesting a cease and desist and that I had already consulted an attorney and was prepared for Litigation if collection didn't cease and the account was removed from my credit report with all 3 bureaus. On XX/XX/XXXX, I received confirmation that collection activity had been halted and XXXX XXXX would investigate. Apparently, this debt has now been sold to Resurgent Capital Services whom I started the whole dispute process over with. Beginning of XXXX, I spoke with a representative who told me to fax in the letter. On XX/XX/XXXX I called Resurgent to obtain the fax number again. At this time, XXXX told me that not only did I have to send in the letter, but I also needed to complete the Fraud/Identity Theft Affidavit and have it notarized and send it back in. I asked XXXX if I did all of that, is it possible that the findings would be different from the Original Creditor? She stated she could not advise, but that my account will only be investigated once I complete that affidavit and there was no way around it. I asked for the account to be recalled to the Original Creditor and XXXX informed me that it could not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/22 a transaction in the total of {$490.00} was made to XXXX XXXX at XXXX, I physically saw the transaction in a pending state on my transactions list on Chime which cleared the following day ( XX/XX/22 ). I have two emails from XXXX XXXX that Ive already forwarded to chime that shows that I initiated payment from my bank account and the transaction cleared and the payment was completed. A week later on XX/XX/22 XXXX XXXX  emailed me that my payment of {$490.00} was returned to my account but for some odd reason when I go to my transactions on chime theres absolutely no history of me paying XXXX XXXX  {$490.00} on XX/XX/22 or them returning it back to my account on XX/XX/22. Its as if my money disappeared in thin air which I find to be extremely odd. I reached out to Chime support via telephone several times to no avail, I was continuously placed on hold and transferred from agent to agent. On XX/XX/22 I reached out to chime again and was told by a supervisor in the member services department that my issue was not a Chime bank issue and I should take it up with the merchant XXXX XXXX. I've been in contact with both Chime member services and the Disputes department since XX/XX/22 via email and I still find myself going in circles with representatives that's not looking to solve my problem. It's been over a month since my money has disappeared from my account and I need it back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, The collection company McCarthy , Burgess & Wolff is going after former employees for debt, occurred by their former employer. 

The employer, XXXX XXXX , XXXX has ceased transacting business on XX/XX/2019 - see State of Delaware Short Form Certificate of Dissolution. 

According to a former law firm of the employer ( XXXX XXXX ), there is still an outstanding balance of {$13000.00} against XXXX XXXX. Although this outstanding debt is not confirmed by XXXX XXXX, XXXX XXXX has informed the law firm that the company has ceased operations, and there are no assets to distribute. - see letter to XXXX XXXX with USPS tracking and receipt confirmation. 

Now, the collection agency is sending letters for wrongful collection of debt to an employee of XXXX XXXX  to his home address (! ), threatening to solve the matter " not amicably '', if no payment is received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX  and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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