BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: Financial Recovery Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller from " Financial Recovery Services " called and without disclosing began asking my name, address, social security number, indicating that this was a financial matter and that this line is being recorded. I did not pursue the call any further following this introduction. 
I subsequently looked up the Consumer Finance protection ( this service ), and was advised my rights, i.e., requiring of a written notice, and an chance to not discuss any further without a written notice. The caller was quite aggressive and did not allow me the chance to have a business like discussion of this matter. The telephone number for the caller 's office is : XXXX, and I believe the organization is located in XXXX, XXXX 
Thank you so very much for your guidance. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, with no prior notice given, I received word that my credit card account of several years had been closed, " for fraud. '' I immediately contacted Wells Fargo customer service via telephone to inform them that there had been a mistake, there was no fraud on the account. I had the card, the account had XXXX balance, and there had been no unusual activity. I escalated the concern to Wells Fargo 's executive office because closing this account would wipe out half of my available credit and negatively impact my credit score. I spoke to a representative on a recorded line who informed me that I was correct, the account had maintained a XXXX balance with no signs of visible fraud, that it was likely a mistake on Wells Fargo 's part, that the account would likely be able to be reopened, and that I would receive a call back the next business day. On XX/XX/XXXX, I received a call back from XXXX XXXX at the executive office stating the account could not be re-opened, due to " risk ''. At first XXXX XXXX refused to provide me a reason as to why the account had been flagged for " risk '', but after I requested several more times, he admitted that Wells Fargo had failed to process an old lost card request ON THEIR END, and because of Wells Fargo 's own failure to process the request, the account was inadvertently flagged as " risk '' and subject to being closed. Despite then admitting on the recorded line that this was not my fault and had nothing to do with me ( other than via a notice they supposedly sent me which I never received ), XXXX XXXX continued to state that the account would not be re-opened, that I would indeed suffer the negative impacts to my credit score, that I should file a complaint with the CFPB, and that I would have to subpoena them for any further information. This is absolutely the worst experience I have ever had with any financial institution, and has directly damaged my credit score, via no fault of my own, a fact Wells Fargo admits but refuses to remedy. Moreover, they wo n't even provide me with the additional information I have requested about my complaint, stating instead I must subpoena them for it. If this situation does n't constitute a whole series of unfair, deceptive, and abusive acts and practices on behalf of Wells Fargo against an innocent consumer ( me ) I do n't know what does.

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 2018-06-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I lost my phone and wallet on XX/XX/XXXX. After three days my cell phone was returned to my place of work but no wallet was returned. So I called Chase to cancel my card but was unable due to the fact that I did not have my card or account number readily available. I proceeded to go into Chase the next day and report my card stolen and to stop any transactions that had taken place and immediately file a claim. While in the bank and reviewing my statements we found many unauthorized transactions had taken place, numerous withdrawals were made earlier that very day. On XX/XX/XXXXthe unknown party deposited two checks ( # XXXX and # XXXX ) totaling {$5300.00} into my account. Later that day they proceeded to withdraw {$1400.00}. On XX/XX/XXXX they withdraw {$1400.00}, {$500.00} and sent a quick-payment of {$2000.00} with XXXX through my Chase.com account to an individual named XXXX XXXX who I've never met. I then filed an identity theft report with the XXXX XXXX XXXX XXXX XXXX  police department. After weeks of waiting I followed up with Chase to learn that they had denied my claim due to the fact that the party involved had used my pin number to access my account. After about 3-5 separate calls to Chase 's fraud department they told me that there was nothing else they would do about the situation and that I would now have to followup with an outside agency. After asking 3 different representatives of Chases 's fraud department they insisted that they could not even provide me with the name of the agency that I needed to speak with and just keep insisting that I speak with an agency outside of Chase bank. I thought this to be horribly unprofessional as I was already in a stressful situation and was just looking for a way to recuperate my losses. I reopened the claim and received a temporary reimbursement. After one week they reversed the money again to make my account negative {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no financial responsibility to this company whatsoever. My belief is that these cards were fraudulently opened in my name. I sent letters on XX/XX/XXXX and XX/XX/XXXX requesting documented proof of who opened these accounts and have not received anything other than a bill. That doesn't help at all! This debt is on my credit report MULTIPLE TIMES. It is reported by the original creditor SYNCHRONY BANK and then new companies XXXX XXXX and XXXX XXXX are re-aging this account by re-inserting it on my credit report again and then reporting the account as RECENTLY active. This is completely unfair to me as a consumer.

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 2017-07-07
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
OnXX/XX/XXXX as previously before I disputed the accuracy of the late payments in my credit file in regards to the Navient accounts on my credit file. Navient keeps verifying the information is accurate without providing me with documentation. Complaint I am a prior service member and I was charged more than 6 percent on my loans. It was my understanding that my loans would be in hold as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed police report which I will include in complaint I contacted BofA file claims too be told it's my responsibility for fraud withdraws which they made my account overdrawn by XXXX for items that I never authorized any ach debits.

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 2019-07-10
Company: Bread Financial 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: Account information incorrect

Complaint:
Commenity Bank XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. Commenity Bank offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with Commenity Bank, XXXX XXXX XXXX, XXXX, XXXX, and XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.

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 2017-10-02
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX/XXXX/XXXX, I attempted to open a Santander Simply Right checking account, after receiving a promotional offer in the mail for an additional {$200.00} once {$1000.00} is direct deposited within the first 90 days of opening. The promotional offer is XXXX. 

I submitted the application, got through the whole process, deposited an initial {$25.00} via my credit card, and then got to the authentication interview. The A/I questions from my credit report were all regarding my father, who has the same name as me. Two initial problems here : 1 ) You attempted to verify me using the wrong CB report, and 2 ) My father is XXXX. 

Then, the account was declined ( since I either failed the A/I, or a red flag went off from my father 's XXXX indicator ). 

I called into Santander at XXXX - I was told that I have to go into my local branch to figure it out. So, I called my local XXXX, DE branch at XXXX to figure out what I need to bring. They advised a copy of my driver 's license showing that I live at the address I input on my application and a 2nd form of ID. Problem number three comes into play here : 3 ) I recently sold my condo, which is the address on my driver 's license. I am temporarily living with my family in a small interim period while I am looking to buy a new house. The Santander reps told me to update my driver 's license - I advised I am not going to do that for the few months I am living with my family. 

So I asked what other documents I can bring in to prove my identity. I was told a lease agreement or a utility bill, but not a cell phone bill, or a copy of my pay stub. Problem number four comes into play here.
4 ) As previously stated, I am living with my family for a short period of time. There is no lease agreement. There are no utility bills in my name. And unfortunately my pay stub does not have my address. 

So then I asked what else I could show. I offered to bring in a copy of any one of my four credit reports ( XXXX XXXX XXXX XXXX ). I advised I could bring a copy of my birth certificate, which has my parent 's names, and a utility bill in my mother 's name. No go on that. 

I was then told I could just reapply, but no guarantees. Problem number 5 and 6 : 5 ) If I reapply, Santander will repull my bureau ( leading to an inquiry, not sure if it is hard or soft ).
6 ) If I reapply, I will lose the {$200.00} promotional offer.

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 2017-10-02
Company: EQUIFAX, INC.
State: MI
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 relates to : XXXX I was seriously considered when this company review my case. Well after the security breach at Equifax that exposed my credit profile yet again, I have requested with follow up the removal of the hard inquires on my credit report. The Equifax breach allowed other attempts o my and millions of other XXXX  XXXX with the past year. I Believe if CFPB can not compel XXXX to remove these items I will have no choice but to escalate to court of law. I make no empty threats as I have done so in the past. ( see XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 Sent in a letter for validation to FBCS and the Information was never validated. Date of last activity and the date of last payment is wrong and is reporting differently on all 3 credit bureau. I have tried to dispute mistakes and the credit reporting agency is not correcting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: BARCLAYS BANK DELAWARE
State: CO
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:
I sent the company a message on their internal secure messaging system on their website on  XXXX / XXXX / 17 . I also attempted to call them on the same issue on  XXXX / XXXX / 17 .   XXXX  The problem is that they are not posting the  XXXX   XXXX   XXXX  Rewards Points to my account that I am owed.

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 2022-03-16
Company: EQUIFAX, INC.
State: IA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had switched to XXXX phone service in XXXX ( from XXXX ) I had the service with many issues for approx XXXX days - I canceled it and went back to XXXX because i had such a bad experiece. 
The XXXX that they say I owe is for hardware that was returned, I have the tracking number they gave me for the return of the hardware - along with the proof it was delivered back to them ( delivered/left at dock on XX/XX/25 @ XXXX via XXXX - XXXX XXXX XXXX ) and dates of service cancelation and also, the IMEI that I had on that phone ( returned phone ) is now on someone elses account. ; This bill is NOT LEGITIMATE.

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 2019-07-10
Company: Experian Information Solutions 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 DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT AND HAS CAUSED SERIOUS DAMAGE.

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 2022-04-07
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:
XXXX XXXX at this time has admitted and removed the reselling of my information to XXXX XXXX and experian however the XXXX ACCOUNTS are still on my consumer report. The information is not accurate nor verified, nor has any written consent of any of my personal information to be used and traded on. Pursuant to 15 US code 1692J civil liability XXXX  and third-party crediting bureaus are now liable for damages in the amount of {$1000.00} for each violation. There being several, it is requested to have the accounts deleted from all consumer reports due to the pro bay fraud and federal violations

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 2017-10-02
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Paypal / XXXX has accepted and listed my bitcoin products to be sold on their website on the XXXX/XXXX/XXXX. 
My item was listed as NON-REFUNDABLE as it is a digital currency, after being sent to the buyer, the transaction can not be cancelled/reversed. 

I listed for a total of XXXX $ in digital currency. 

Every buyer ( 6 in total ) contacted me personally by message on ebay to provide me with their Digital Wallet address ( like an email address, to send the digital product ). After getting confirmation of purchase from ebay, paypal and the buyer, I proceed to send the bitcoin. 

The next day, I received emails from paypal telling ALL ( clear pattern here ) buyer report an 'Unauthorized Transaction ' saying their accounts were hacked.
I am not responsible for ebay/paypal ( same company ) having their data leaked and making it possible for  hackers to scam and extort sellers like myself so easily. 

Paypal has closed my 'Dispute case ' in favor of the buyer. At this point I have lost my product, and they are asking me to refund them. In other words, I have lost XXXX $ worth at the moment of product, and now they are asking me XXXX $ to refund the buyers. 

It is a common discussion online that buyer are abusing XXXX/paypal policy on refunds in order to steal digital products. Buyers simply have to claim they have been hacked. This seems to be what is happening to me and my business. 

Paypal / XXXX is responsible for their security leaks, they market their products as 'PayPal is the faster, safer way to send money, make an online payment, receive money or set up a merchant account ' but clearly they are extorting buyers from their products and money in favor of hackers / scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation