BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
In XXXX when I was charged a {$59.00} annual fee by Captial One they removed the fee and told me to call in every year to have the fee removed. This card is linked to a XXXX account and if I close it I will lose the 7 years of credit history. They removed the fee last year and told me to call in every year to have the fee removed. I called to have the fee removed and the customer representatives refused to do so. Captial One offers a {$0.00} annual fee account which I asked my account be switched to and was told they could not do so when I call last year. So following the advice of the reps last year here I am stuck with a {$59.00} fee that I should not have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/ a person hacked " XXXX XXXX '' XXXX profile to use as a Scam/ Phising. I was lead to believe that this was the persons page but come to realize that it was a SCAMMER. I need a refund on 3 separate transactions of {$50.00} that totaled to {$150.00}. I was lead to believe i was getting assistance in Bitcoin purchasing and services/goods rendered back by a XXXX Friend of Mine from HighSchool & more, But i was, SCAMMED by this name ... '' ( $ XXXX  ) is the Scammer 's, CashTag on CashApp ( SqaureInc. ) Real Name : XXXX XXXX. ( $ XXXX  ) I need my transactions refunded, i tried asking for a refund request but the Scam person blocked my actions on CashApp/SquareInc. 

I need to speak with a CashApp/Square Inc. Representative or Corporate on these transactions. I have Web Receipts for all transactions for proof & evidence. 
PLEASE CONTACT ME ASAP XXXX ( MR.XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Brightfunders, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, an additional principal payment of {$440.00} that was originally paid on XX/XX/XXXX was reallocated to my escrow account. This resulted in the interest for XX/XX/XXXX being recalculated. On XX/XX/XXXX, an additional principal payment of {$440.00} that was originally paid on XX/XX/XXXX was also reallocated to escrow. These changes were made without my knowledge and without any explanation from the mortgage company. I notified the mortgage company about these items on XX/XX/XXXX and XX/XX/XXXX, the first days these transactions were visible on my account. 

It needs to be noted that my Escrow was set to be closed on XX/XX/XXXX. I requested this in XXXX due to an inability of the mortgage company to pay my home insurance premium timely and correctly, even though there were more than adequate funds and they received an invoice with more than enough time to send the premium payment. There was never a shortage of funds in my escrow account and there were no escrow advances that needed to be covered. 

When I called the mortgage company on XX/XX/XXXX and XX/XX/XXXX, I also pointed out the need to quickly address the problem due to the Escrow being closed and the funds set to be dispersed. I was assured that it would not be a problem and the issue would be corrected before escrow funds were sent to me. 

I made followup calls on XX/XX/XXXX, XX/XX/XXXX and XXXX. The issue was never corrected. I received the escrow dispersement check on XX/XX/XXXX and submitted a principal payment of {$890.00} to account for the two principal payments that were incorrectly moved to escrow earlier in the month. This payment was applied on XX/XX/XXXX. I spoke with a representative again on XXXX to re-request that the funds be re-applied to the original dates they were paid ( XXXX and XXXX ) and that interest be re-calculated based on the original payment dates. As of today it has been XXXX days since the original mistake was made and I still do not have an ETA on when this will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: WELLS FARGO & COMPANY
State: GA
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 the morning of XX/XX/20, I called Wells Fargo because I noticed an unauthorized transaction in the form of an Online Bill Pay to a XXXX  XXXX XXXX credit card in the amount of {$3000.00}. I have never owned nor have I ever been affiliated with any XXXX XXXX XXXX product. I filed a claim and received case number XXXX. Wells Fargo said it will take anywhere from 10-15 business days to process the claim. 

On XX/XX/20, I received a letter from Wells Fargo requesting that I fill out an Affidavit of Online Fraud. I promptly filled it out and faxed it over on the evening of XX/XX/20. When I called Wells Fargo on XX/XX/20, they had confirmed that they had received my Affidavit. 

On XX/XX/20, I called Wells Fargo to inquire about the status of my claim. The agent I spoke with told me that the claim had been closed, but was unable to state whether the case accepted or rejected my claim. As a result, the agent filed a new claim for me ( case number XXXX ). Additionally, I filed a police report with the XXXX Police Department ( permanent case number XXXX ). The XXXX Police Department classified this as a case of identity theft. 

On XX/XX/20, I received a letter from Wells Fargo confirming that my claim was rejected because " our research of this Bill Payment shows that it was requested through a secure online banking session using your username and password. After reviewing all information available to us regarding this transaction you are disputing we have determined that this transaction was made by you, or someone who had your authorization. '' Clearly, if someone requested an Online Bill Payment, they somehow gained access to my username and password. Just because someone gains access to a username and password does not mean that it is authorized access. That's the equivalent of saying that if a fraudster finds your ATM PIN and withdraws money, it is an authorized transaction because they gained access to privileged information. Additionally, I submitted a legally binding document through the Affidavit of Online Fraud. This is a legally binding document that I signed and submitted to Wells Fargo. If the transaction in question truly is not fraudulent, I would be perjuring myself. This would not be in my best interest as I submitted a police report ( again, permanent case number XXXX ) regarding this very transaction.

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 2020-11-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Have sent in correct information to all credit agencies to have to update my addresses and remove any old addresses they may have on my personal information still have not done so i need this cleaned up or i will file law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. I signed a lease with XXXX XXXX back in XX/XX/XXXX. The lease was for 1 year term ending in XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  # XXXX XXXX, Texas XXXX National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX They have reported to the credit bureau that I did not full fill my term successfully. Stating that I owe {$3500.00}. Where did this number came from I don't know. I have attempted to disputes multiple times without success. They have changed the date and after it went to collections somehow they report as a late payment as if it a current matter. This is so confusing and frustrating. By all means, is false and I don't understand how they are allowed to do such malice. After many calls to the credit bureau and sending them supporting documentation how is it that they can falsely information & the matter is closed basically saying I'm wrong & they are right. I wasn't aware of a 3rd party to reach to help me until now that I came across CFPB. 

XXXX XXXX scheduled a inspection date on XX/XX/XXXX in which the XXXX maintenance man came by to check and all was well. XXXX contact : ( XXXX ) XXXX I will attach the resident move out instructions given to me, the renewal offer that I declined because I found a home that was 5x the size and {$150.00} less. Also, the lease agreement Page 1. In addition, they even completed a form by my current landlord that I was completed my term successfully. I have followed their protocol giving them notices in advance and completed inspection prior to moving in to my residence of XXXX XXXX XXXX XXXX XXXX, Texas XXXX on XX/XX/XXXX. There is no balance due & successful completion was done of this term lease. Please help me to correct this matter but most importantly that no one else has to go though any injustice of suffer what this does to your credit allowing lenders to see you as unworthy. 

Thank you for your time in this matter, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Trojan Professional Services, 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: Account status incorrect

Complaint:
The XXXX XXXXXXXX XXXX XXXX XXXX  debt of {$530.00} was paid on XX/XX/XXXX. 

The Trojan Professional/Dr. XXXX XXXX debt of {$210.00} was paid on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: Jim Bottin Enterprises, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, 1 ) On XX/XX/2018, I gave written notice to XXXX XXXX XXXX in XXXX, MD to immediately cancel my membership with the club. In XXXX, I began getting contacted on an almost daily basis by XXXX XXXX XXXX saying that my {$81.00} membership fee for XXXX was past due. I contacted XXXX XXXX XXXX in XXXX and was told that even though I cancelled my membership in XXXX, I still owed the {$81.00} membership fee for XXXX because of a 10-day notice clause they said existed in the contract. 

2 ) On XX/XX/2018, I mailed an {$81.00} check ( # XXXX from my XXXX XXXX XXXX account ) to XXXX XXXX and included the billing notice they had mailed me about the membership fee. I also noted that I had cancelled my membership in XXXX and stated this was the final payment for my cancelled membership as paying the XXXX satisfied the alleged 10-day cancellation clause. 

3 ) This check was cashed by XXXX XXXX on XX/XX/2018, with the following notation stamped on the back of the check : XX/XX/2018 - XXXX - XXXX For Deposit Only XXXX XXXX XXXX 4 ) After the XX/XX/2018, cashing of the check by XXXX XXXX I responded to yet another mailed billing statement from XXXX XXXX with a notation that I have already paid the {$81.00} bill and the check had been cashed. 

5 ) However, XXXX XXXX continues to call me with recorded messages on my cell phone and home phone and continues to mail written billing statements on behalf of XXXX XXXX to my house demanding that I pay the original {$81.00} bill. 

I would be happy to provide you with copies of the check payment of {$81.00}, a copy of the cashed check with the deposit information for XXXX XXXX, and copies of the continued billing statements they send me. 

Thank you for whatever assistance you can provide to put a halt to this continued harassment at my home by XXXX XXXX and XXXX XXXX XXXX. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX/XXXX - Acct # XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$21000.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9900.00} XXXX XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXXXXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
There are 6 accounts that are on my credit report that do not belong to they are not mine I have not signed or approved these. They are not mine!!!! I have been disputing these since XX/XX/XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX/XXXX  - Acct # XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$21000.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} INQUIRIES Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX  XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX/XXXX  XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2020-12-15
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$9700.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX/XXXX XXXX XXXX  Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: DAS ACQUISITION COMPANY, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please see the attached. 

I also have the XXXX XXXX CD for XX/XX/2019. I can not get it to upload. It keeps telling me I have exceeded the limit for downloads?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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:
I have received a copy of my credit report and it shows company PORTFOLIO account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ref Regions Unauthorized Transactions Claim # XXXX. On Saturday XX/XX/2018 we discovered fraudulent purchases on our checking account that was made through a debit card. We cancelled the card ASAP and reported the fraud. We were advised to go in and file a complaint when all items had posted. My wife went to regions in XXXX Al on Tuesday XX/XX/XXXX. She spoke with XXXX XXXX and gave him a list of items that were on our account that we had not purchased. 4 of the 8 items  were in regard to play station. Upon completion of Regions claim my wife saw an additional charge that was added to the list that was a legitimate purchase for our son ( XXXX ) on his play station account. My wife advised XXXX XXXX 2 times that purchase was not a fraudulent purchase. He said that it needed to stay on the claim. My wife went back into the bank again within in 30 minutes and again advised she wanted that removed from the claim and was advised it could not be removed. Therefore XXXX XXXX has made a fraudulent claim after being advised 3 times of the truth. We have made multiple attempts to correct and resolve this matter and can not get any clarification or written proof that this has been corrected. I have been hung up on when discussing this with corporate. We just want it to be documented that the charge on XX/XX/2018 is a charge that we made and we owe. We also do not want the fraud investigation to be held up or overturned because of a fraudulent claim by XXXX XXXX.

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