BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/18. Wells Fargo charged me 2 over draft fees of {$35.00} and when I spoke to the agent she said the fees added to {$78.00} dollars. When you add XXXX twice it should come up to {$70.00}. I spoke to the agent asking why am I being hit twice with over draft fees in a period less than 24hrs. He stated it was two different transaction. I asked to drop one of the fees. His reply was no. Whenever this bank realize that customers have money in their account they try different tactics to steal money from them. I am so tired of Wells Fargo unethical behavior and I am STRUGGLING MOM, trying to make ends meet with that XXXX I had to pay my water bill that has been turned off for the past 2 days, with me having small kids. I would greatly appreciate it if one of the fees can be recredited or all back to my account, so I can pay my necessary bills. 
Thanks in advance,

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 2021-07-02
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I reached out with a demand to comply letter to Equifax to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: GA
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 would like the trade line from XXXX XXXX XXXX to be deleted as it has been paid in full.

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 2021-01-22
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Jeffereson Capital Services LLC is coming after me for a overdue phone bill that shouldve fallen off my credit report. Theyre reporting the wrong dates and are still coming after me after the debt shouldve fallen off. The amount owed is around XXXX usd. This happened years ago. This old debt shouldnt be on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : On XX/XX/XXXX a collection for {$110.00}, owed to XXXX XXXX XXXX was added to my Transunion credit report. On XX/XX/XXXX I requested varification, from XXXX XXXX XXXX XXXX XXXX, proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a copy of a XXXX bill from XXXX XXXX XXXX dated XX/XX/XXXX in the amount of {$92.00} not the reported {$110.00}. As per the Federal Trade Commission opinion letter from XXXX XXXX XXXX XXXX, " a printout ( or copy ) of a bill or itemized document does not constitute verification ''. 

On XX/XX/XXXX, I opened a despute challenging the validity of the collection reported by TransUnion and requested the method of account verification. On XX/XX/XXXX I received a letter from TransUnion which outlined their investigation methods. TransUnion then marked the account as verified, never stating their method of verification this account. 

XXXX XXXX XXXX has failed to produce any competent evidence showing a contractual agreement bearing my signature, was made either between myself and XXXX XXXX XXXX XXXX, or myself and XXXX, therefore the collection information reported by you is false and I demand that this negative and incorrect information be removed from my credit report 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 2021-07-02
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this due to non-compliance with the CRA AND Department of Education They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an unsolicited card from Netspend XXXX. The only way to contact the company is via the activation line. I emailed them but received no response.

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: Snow and Sauerteig LLP
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COLLECTOR FAILED TO VALIDATE SAID DEBT, AND IGNORED CEASE AND DESIST COLLECTION EFFORTS AND WENT ON XXXX ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX was the last time I made a purchase from Coinbase. 
On XX/XX/XXXX, I was hit with the following charges and their corresponding 'international service fees ' : {$100.00}, {$0.00} service fee, {$200.00}, {$1.00} service fee, {$750.00}, {$6.00} service fee. 
These charges seem to be duplicated because on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made purchases in the amount of {$100.00}, {$750.00} and {$200.00}. 

I immediately tried to contact Coinbase by phone but was unable to speak with a live person. I submitted a ticket on their website but have not hear back. I realize it has only been a day but a lack of {$1000.00} is detrimental to me. 

My bank does not recognize this as fraud since I have done business with Coinbase before, although they were able to open an investigation and dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: TX
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 Dont understand why a large corporation like Experian can continue the unethical, oppressive manner by which the run a critical component of a citizens life and lively hood -credit reporting. In 1 day my credit score dropped 9 points. I did nothing, no late payments, no inquiring, no new credit accounts. No rhyme or reason for it except retaliatory. I suspect because they have the power to do so. I provided proof that based on credit laws XXXX XXXX - collection item should have been removed ( XXXX ) instead Experian updated the negative reporting as XXXX XXXX updated the XXXX while it should not be on my report, updated it as a ongoing monthly delinquency when last payment was XXXX, they continue reporting it as negative reducing my score monthly. They removed collection items and did not increase my credit score but instead decreased it. There are other errors that other credit bureaus corrected and Experian did not. The reason retaliation for complaining through this portal. 

Does this happen to all Americans or just some?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Account status incorrect

Complaint:
Barclays Bank Delaware has been furnishing my account information to credit reporting agencies on an account that my father was the primary account holder and I was only an authorized user. My father passed away in XX/XX/XXXX and the account was closed in XX/XX/XXXX after I notified them that my father had passed while trying to have myself removed as an authorized user. Because the account became delinquent in the aftermath of my father 's passing, my credit report has been negatively affected since I am still listed as an authorized user despite the fact that I am not legally liable to pay the debt that my father accumulated. I have called Barclays several times to be removed as an authorized user and they tell me their Customer Service can't remove me from an account that is already closed. I sent a formal dispute to FCRA Credit Bureau Disputes, twice, and have received two letters from them, the most recent dated XX/XX/XXXX saying that the information they are reporting is accurate and that if I would like to be removed as an authorized user to call their Customer Service at ( XXXX ) XXXX. When I call this number Customer Service says they can't remove me from the account because it's closed, then they connect me to XX/XX/XXXX, who told me they also can't remove me from a closed account. I don't know what to do at this point, I keep getting the run around and just want to be removed as an authorized user on this now delinquent / closed account so it doesn't continue to negatively impact my credit 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 2021-07-02
Company: WELLS FARGO & COMPANY
State: FL
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:
On Sunday XX/XX/XXXX I called to report several fraudulent charges on my account totaling over {$1500.00} and causing my account to become overdrawn. I was issued a new debit card and was told it could take 1-10 business days to refund my money. I was told the fraudelent charge had to clear before they could remove it and refund the charges. It cleared two days later and after it cleared a second, identical charge showed up under pending transactions despite that card being frozen. Wells Fargo claims suggested this would likely fall off and I shouldnt worry. Wednesday the second, identical, fraudulent charge became authorized and when I called Wells Fargo they appeared to have no idea that it was there. They added it to the existing claim. It has been nearly a week since the fraud was committed and Im accruing daily overdraft fees while scheduled payments attempt to come out of my account. Id like to know with a little more clarity when I can expect this to be resolved. Because with the holiday weekend added in, it could be over TWO full weeks that I have no access to my money. That is unacceptable. I have been a Wells Fargo customer for over a decade and Id like to be able to say that they wouldnt want their clients to be impoverished for weeks on end while they take their generous time dealing with my claim.

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 2020-09-08
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Finance Company : Ally Account # : XXXX Vehicle : XXXX XXXX, XXXX I am the primary on the account, my daughter is the co-borrower and normally she deals with Ally 's foolishness. 

The final payment was made XX/XX/XXXX in the amount of {$610.00}, the following statement popped : [ Your final payment is pending. You'll soon have access to our title tracking feature, which will keep you up to date about when your title and/or lien release will be processed. We'll send you an email soon as the title tracker is available on your vehicle details page. ] I received via mail a letter dated XX/XX/XXXX Congratulations for paying off your auto financing with document attached that looked like a title but instead of being blue it's pink with the following statement : [ This is to certify that a security interest has been duly filed with the motor vehicle administration in the name of the secured party below on the vehicle described. 
Termination Statement I, the undersigned do hereby release all rights and interest in the vehicle described above ] Signed and dated XX/XX/XXXX additional a sticker with the following information : XXXX  XXXX R XXXX. XXXX XXXX XXXX  XXXX  ( cars VIN ) On XX/XX/XXXX, I contact Ally and spoke with Customer Service Agent XXXX  requesting the vehicles title. I was told that the last payment was rejected on XX/XX/XXXX and that Customer Service Agent XXXX " Reallocated '' the payment on the same day. 

I checked with my bank, the payment DID NOT come back. 

Ally has verified receipt of the final payment for {$610.00}. 

However, I received a registered letter dated XX/XX/XXXX " Notice to Repossess after XXXX XXXX. It indicates that the account is in default and need to make a payment of {$470.00} which is suppose to represent the XX/XX/XXXX and XX/XX/XXXX installment ( s ) plus unpaid charges. '' If the final payment was confirmed received. Why is the account in default? What is the additional {$470.00}? 

We have had issues with Ally throughout the length of this loan. The final payment was made and I want the Title for the vehicle. 

Documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had CapitalOne Quicksilver One card for a number of years. I have been grandfathered in from my first account, because CapitalOne does not have a Quicksilver card that is no annual fee, I would call in and the fee would get waived. The Capital One Member Fee of  {$19.00} was charged on XX/XX/2020. Due to the Pandemic I did not realize a fee was charged, I was more concerned with making sure all of my bills were paid on time. With the recent bill I received I noticed that there was a fee charged, I called in and explained the situation and was informed by one team member that I should have called within 30 days of the fee being assessed to get it removed, when I asked to speak with a supervisor, I was told by the supervisor that they are not waiving Annual fees this year due to the Pandemic. I understand it is only {$19.00}, however, with this Pandemic one would anticipate for a credit card to work with their card members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date XX/XX/2021 I received a postcard in the mail from a debt collector, which is a violation 15 USC 1692b ( 4 ) and 15 USC 1692f ( 7 ). When I opened the letter I seen symbols witch is a violation according to 15 USC 1692b ( 5 ) and 15 USC 1692f ( 8 ). And a host of other violations. Which is unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Equifax has reported a collection account from XXXX XXXX   XXXX that has been previously removed. Further I took both equifax and XXXX  to court over this matter and it was settled that the information was not mine and that it was to be removed and not added again. As it was the last 2 years. Then Today it was posted again. The info in the collection does not match my name or social, further it violates the settlement of the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Simple story ... ( All this has happened in the last month ) We got behind in our mortgage ( No surprise ) They ( OCWEN ) started the Foreclosure process and gave a sale date. They sent a reinstatement statement. We paid the reinstatement of {$7400.00} They then told us it wasn't enough and that we had to make and additional payment of {$1600.00} to bring our mortgage current. We made that payment ... ( We paid them OVER {$9000.00} in one week!!! They have applied all the money to our loan. It was all the months we were behind ... Then they said that wasn't enough and we still owed {$5000.00} in penalties ... The day before the sale we had to file an emergency Bankruptcy to save our home. We come to find out they never sent the sale date to the sheriff or our county never was notified of a sale date there was no real sale date..The attorney that represented OCWEN ... told us the day of the sale OCWEN postponed it for 30 days ... We were told on a recorded conversation that would roll the penalty and fee to the end of the loan ... We just got a statement today saying we owe them over {$5000.00} ... We are currently BROKE we gave them all we have ... I won't be able to pay them until the end of the month but there saying that's not good enough. What do I do? Can you help???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: GA
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:
Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX  because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: GA
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:
Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX  because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: MIDFIRST BANK
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these 2 mortgages no longer belong to me have nothing to do with belong to ex husband

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXXI HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS account name : XXXX XXXX account # XXXX balance:XXXX last active date:XX/XX/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