BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was treated by XXXX XXXX for a XXXX issue. I was never told/disclosed any charges during the treatment and was told by the practice that our insurance will " cover '' it. After the treatment, we were sent an unexpectedly huge bill ( $ 1800+ ) for a minor procedure by a nurse practitioner ( not MD or surgeon ). We contested/appealed the charges to the clinic/hospital numerous times. 

Then, at one point ( around XXXX 2017 ), upon our numerous written protests, they sent us a bill for {$120.00} ( only ) and when we called to confirm and pay, we were assured that it was the only outstanding charge on our account. We paid that promptly and assumed that this matter was settled. 

However, a few months later, an {$1800.00} ( appx. ) charge appeared on our account and XXXX started sending bills again. There was no indication of our earlier ( {$120.00} ) payment in the new bill. We have written numerous letters, and provided documentation that we paid ( at least at one point ) all outstanding charges, and that we dispute all other charges, but to no avail. XXXX ultimately turned over the debt to a collections agency ( XXXX XXXX XXXX ) It is our belief that our initial charges were discharged by XXXX XXXX and that they assured us that we only owed {$120.00}, which we paid. We think the re-appearance of appx. $ 1800+ a few months after the account was cleared of any charges is unfair and we no longer should be responsible for charges that were cleared from our account. 

Now debt collection agency ( XXXX XXXX XXXX ) insists that the charges are valid, despite our written assertions otherwise. Thank you for your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Square Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Cash app is holding my money and locked my account. Ive been sending e-mails for 4 days now and no response. From what Ive heard from other people is that they lock the account and keep the money. I cant even pay my bills or buy food!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions Inc.
State: WA
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 an item on my credit report from XXXX, XXXX, & Experian that states I have {$290.00} charge for a delinquent account that should be fraud and removed. Also my account with XXXX XXXX should be 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 2019-03-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I deposited a check with JP Morgan Chase in XXXX, Texas. The check was my payroll check from the XXXX XXXX. The check had a small tear from when we opened it on the bottom perforated envelope, but I included all parts of the check in the deposit. The bank accepted the deposit and I went my way. 


I learned two days later, that Chase had put a 'hold ' on the check. I later, on XX/XX/XXXX, got a letter from Chase- their first correspondence or notice, that a hold had been put on the account because they 'were n't sure the check would be cashed by the issuing bank ''. 

I called Chase on XX/XX/XXXX, a recorded call, and was told the bank was holding the check 7 business days- 12 days in total, to see that it cleared. 

I contacted XXXX on XX/XX/XXXX and explained what had happened, asked them to stop payment on the original check and reissue. They had me fill out a form and went to work on getting me a new check. 

Later that day, XX/XX/XXXX, XXXX sent me a note explaining the check had already been cashed and funded by XXXX, and sent me a copy of the Chase/XXXX  transaction completed on XXXX XXXX the day after I deposited the check. 

I sent Chase a secure message on XX/XX/XXXX noting they had the funds, that their reason for 'holding ' the deposit was moot since the bank had cashed the check before they even mailed me their letter. I asked again, as I did on XX/XX/XXXX, for interest for them holding my monies and that they release the check to my account. 

At this point I am filing a complaint for Chase illegally holding these funds, lieing to me about the process and why and refusing to release my funds. I want my funds, interest and whatever penalty I am due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred {$2500.00} from my personal wellsfargo account to my joint wellsfargo account ( with my wife ) on XX/XX/2018 so that she can honor a contract on my behalf. The contractor told me i was to pay an upfront payment 24hours of him sending me his insurance details, that was the purpose of the money. My wife went to the wellsfargo branch to try to get the money, wellsfargo deducted the funds from my account only to tell my wife that the power went out and they wouldn't be able to give her the cash, meanwhile my contractor was waiting for my wife.

This is the first time i am dealing with the contractor and my words mean a lot to me. wellsfargo told me i would have to wait till the following day to be able to access my funds, and the branch manager could clearly see it on my wife 's phone that the money had been deducted from or account. Due to wellsfargo NO CARE attitude i lost the confidence, trust and respect from my contractor and i also breached our contract.

Wellsfargo made no attempt to try to resolve the issue immediately.

I applied for a loan the day before, wellsfargo wold grant my request and now they are holding my funds hostage and making me look incompetent and untrustworthy.

I am supposed to receive a shipment tomorrow at the site where the contractors are working on, but because of wellsfargo, there will be nobody on site to receive the package, the shipping company called my today they they will be delivering the product tomorrow, now the product might have to be sent back because the contractors wont be on site, all because of wellsfargo. This is not fair. Wellsfargo as caused me so much pain and distress today, its not fair how they treat their customers. They are very quick to take ot money for charges, but they are not ready to help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JPMORGAN CHASE & CO.
State: KS
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:
XX/XX/18 I woke up to an alert ; my credit score dropped 50 points. I went to look and it was chase credit card. Im on there repayment program. Ive been on it for years and never had a problem. When I talked to them they claimed they called and sent a letter about continuing with the program. I dont have one single voicemail from chase. Also, I never received a letter from them. They say they didnt get any return mail but that doesnt mean anything. Ive been working for over 20 years in XXXX and Ive seen payments that were supposedly mailed out. Yes, the payment was actually mailed out when they told us and showed up months later. No one knows what happens once mail leaves our hands. Plus, we all seen what some postal workers do with mail they need to deliver. Im not saying that they didn't mail out a letter but just because there was no return doesnt mean I received it. Mail gets coded wrong all the time by the post office and ends up some where else. You would think people would put the wrong mail right back in the mail to be delivered correctly but this doesnt happen all the time. Mail also gets stuck in postal machines in the post office. There is many things that can happen. Also, why didnt they leave a voice message? I would had called back for this is my credit we are talking about. Also, for Chase to tell me it was up to the customer to call back every 12 months to continue the program is not true. Ive always received phone calls from Chase asking if I wanted to continue. 
Ive paid this account in full after trying to talk to them. 
I need Chase to be fair and take things into consideration. I need that late payment taken off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have sent three certified mail in regards to two accounts that they are reporting on my file XXXX XXXX as well as XXXX Bank that are not mine and were more than likely opened fraudulently. I asked that they provide me with proof of me opening these accounts IE a copy of my ID and SSN card that is required when opening an account and they have yet to proved me with this information only sending copies of the account that was opened.

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 2018-05-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Re : Complaint U S BANK - Case # XXXX I received the response of the US BANK thru mail. 
It is worth noting about the CHANGES made in my MOBILE BANKING Statement of XX/XX/2017 after I called US bank Customer Service that I reported the Case / issue above to the Media. 
Before calling US BANK Customer Service I communicated to the US Bank Manager XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX,  CA and CONFIRMED that the MONEY in Dispute was NOT Yet credited to my account. 
Both of us went to the XX/XX/2017 Bank statements and had the same Verdict NOT YET CREDITED ... 
I was told by the US BANK Customer Service to speak again with the Manager because he will talk to him ... 
So I did and after XXXX XXXX had LUNCH on the same day ( above ) I spoke with US BANK Manager and Customer Service and got all my 2017 bank statements printed out. 
The demeanor, facial expression and tone of voice of the US Bank XXXX XXXX XXXX had changed .... mad and somewhat under pressure. 
Then he ( manager ) gave me the CHANGED VERSION of the XX/XX/2017 Bank Statements and said, ACCORDING TO THEM THEY ALREADY GAVE BACK THE MONEY.,,, I Stated, BUT YOU AND ME KNEW PRETTY WELL THEY DI D NOT. 
The people in this mentioned above location were friendly, goes to extra mile to help and honest ... the dilemma in this predicament started at their own FRAUDELIENT TEAM and Customer Service. 
Before the issue reached the US bank President, the problem had has already been GREATLY MODIFED to Cover the Tracts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I had a debt collector call me after XXXX who would not identify what organization he worked for unless I gave him my date of birth and social security information. Then when I said I would call USAA to verify the information - he insisted that he was hired to get the info from me, so it wouldnt do me any good to do that. I let him know that I do not give out my personal information to a company that I can not verify and I have that right to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.

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 2018-05-15
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS AGENCY IS TRYING TO COLLECT A DEBT THAT BELONGS TO ANOTHER COMPANY ( XXXX XXXX ) I CALLED THE CREDIT BUREAUS AND WAS TOLD THAT XXXX XXXX IS THE OWNER OF THE ACCOUNT AND NOT NATIONAL CREDIT SYSTEMS. THIS IS A DOUBLE JEOPARDY, TWO COLLECTION AGENCIES REPORTING ON MY CREDIT FOR THE SAME ACCOUNT. DESPITE THAT XXXX IS AWARED ABOUT THE DUPLICATE ACCOUNT INDICATES THEY ARE NOT GOING TO REMOVE IT. THSI IS AGAINST THE LAW. TWO COLLECTION AGENCIES CAN NOT BE REPORTING OR TRYING TO COLLECT THE SAME DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: BARCLAYS BANK DELAWARE
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: Old information reappears or never goes away

Complaint:
XXXX XXXX and Barclays Bank Deleware on XXXX & XXXX reinserted them back. They deleted them and now they re-inserted them. They never notified me or called me or mailed me under the law of FCRA. To whom it may concern : On date XX/XX/XXXX to XXXX, XXXX, I discovered negative accounts XXXX XXXX and Barclays Bank Delaware on both XXXX and XXXX that are deleted and had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

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 2019-03-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A representative came into my place of business in washington state. The representative first name was XXXX. She was a supervisor, as an incentive to get us to open an accout with Wells Fargo Bank she offered a {$300.00} that would be deposited after u kept at least {$1.00} in the account for 90 days. I called my back mid XXXX, first they said they didnt see the incentive and i was escalated to another department that handles the incentives and i was advised that it would be 45 days after the 45th day expired. I confirmed the accout was open on XX/XX/XXXX which meant my 90 day mark was XXXX XXXX XXXX. Now i confirmed with the representative on XX/XX/XXXX and she confirmed i met the terms. Now when i call they say they can't see the incentive. So im reaching out for assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED 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 2018-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
UNFAIR DENIAL OF CREDIT I applied for a business credit card at Capital One with my persoanl guaranted about six weeks ago. 
My company is financially healthy, my credit score is substantially above 800. 
My personal income last year was $ XXXX and my businesses make substnatially more than that. 
Thre weeks later I called to investigate, they claimed I was fradulent when I called to ask why the card was delayed. 
They asked me a long list of very personal questions which I answerwed to their satisfaction. 
A week later I received a credit card. When I tried to activate it, they said it was on fraud hold and I had to provide more informaiton including my photo id using a driver 's license as well as a number of answers to questions. 
I provided those to their satisfaction. They said wait three days. 
Five days later I called and they asked for more information including my social security card. I told them I had lots of information but as a XXXX year od, I did not have the original social security card, it was lost about 30 years ago. 
They said without the original social security card they would not proceed. 
I asked for secondary data that could be used. They said this was the only way to proceed. 
This is absolutely unfair. 
I am a tremendously good credit risk and have had a capital one card for more than 5 years as a private client. I have zero defaults in my lifetime and huge documentation available. 
They falsely accusedme of being a fraud. It is a personal insult in the face of my substantial business success. 
Perhaps because I always pay my bills early, they will never get high interest rates from me? Who knows why they refuse a good, upstanding citizen. 
You don't have to be poor to be cheated by a credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: ID Analytics, Inc.
State: NJ
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 found account in my credit that are no mine, this maybe identity theft, these account should be remove from my credit inmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation.

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