BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance.

Very Respectfully, 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 2018-06-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi i checked my mail and i received a letter it said that my account will be closed and they didn't explain why it will be closed and i haven't done anything wrong my accounts are in good standing and they will close my ally bank on XX/XX/2018 and refuse to tell me why .... and i have few pending deposits coming in to my accounts and i need the money .... i have open a dispute on two ACH transactions and this could be the reason why they closed my account and i dont like the way ally is handing these disputes they take too long to resolve and all they had to is do a chargeback but they didnt do that i will now take my business elsewhere ... i never reported fraud or request for new debit card so i dont know why there are closing my ally bank account ....

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 2018-06-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
3 years ago Wells Fargo rep recommended to open a secure business credit card to bring up my credit scores, sold as credit repair. Wells Fargo used my {$1000.00}, what was converted to a standard credit card a year and a half later. The problem is just find it out, the business credit is not getting any credit ratings/scores at all. So it is not effecting my credit worthiness.3 years of use of the card for nothing.Finally I picked up on it, something is really wrong because my credit score was barely rising per year, using the card with $ XXXX/month auto pay, a lot more then the {$25.00} minimum payment would have been.Interestingly you can change everything on the WF website, after you log in in the manage accounts, like do transfers between accounts, but to change the amount of the MINIMUM monthly payment is not possible. Actually only Wells Fargo Rep can  change that for us, after you call them on the phone line! You can not adjust your own payments to a higher number, if you liked to! Regardless how the business card is on my name, beyond the name of the business, is used with my social security numbers, you wont get any credit points/ratings for the use of the card.This product is a fraud.First they used my own money for 18 months, and now XXXX   rep said they don't rate credit for business credit cards period.Only the personal accounts getting scored.I asked WF rep on the phone who rates it, and he had no answer for me. Well no one is the right answer.So why Wells Fargo selling the idea first place for the credit repair? It is not repairing a thing.They have secured and other person cash for 18 months for free use .Just like a new saving account for them.They play the market with with my founds for their own benefit. Why not the in house rep advised me correctly to get a personal line of credit card for the promised credit repair? Everyone blames everyone. We to costumers are getting taken for a ride with offer of a fraudulent product/service. If I close this card now it will effect my scores. We are screwed both ways on this deal.

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 2019-09-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Have disputed two of five loans due to fraud by XXXX formerly XXXX XXXX XXXX. 
Navient associates have refused to look into my claim. Refuse to have me speak with a superior. Have refused to provide information about my loans to me. I have requested a copy of the alleged disbursed checks to see who has signed for them since I know I did not. The associates refused to assist me and told me to call back. 

I have called the Student Aid federal loan Ombudsman department to only be directed back to Navient. 

Apparently, there is a big scam or fraudulent activity being conducted by Navient and the U.S. department of Education. I would like to join in on a class action law suit since I have supporting documents. 

Two loans totalling {$4000.00} were allegedly taken out four days prior to me finishing my program. These loans were taken out by fraud. The school has been shut down since the State of California has found them to be in multiple violations of the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal won't let me send a donation to a candidate, on XX/XX/19 their live chat agent said I had to fax them my SSN and drivers license and a utility bill. I did that, they still will not let me send $ $ and when I call they make me listen to an endless recording of irrelevant info I have been on hold for a really long time. Their website says no live agent is available. I have enailed them 10 times about this but they never answer my emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Recently I checked credit report and found out a few items which never belong to me or any transactions made by me. I believe somebody stole my personal information. I am requiring to remove all of these items from credit report because of fraud. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2019-09-12
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Money threw Cash App.posted but can not get my card since XX/XX/XXXX money just sitting has sent Cash app several text all is said we willget backwith you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Transunion multiple times for help with removing several inquires off my report that are unauthorized. I sent police report and letter back in XX/XX/2020as requested and nothing was done. I called the most recent times on Thursday XX/XX/2020, XX/XX/2020, and finally XX/XX/XXXX,, 2020. Each time I was connected to fraud department and told something different. I was told hard inquires could not be removed, that they were to old to be submitted for review and removal, that there system would not let them submit to check to validity of the inquires, and finally was told to submit a letter and police report again. It is extremely disheartening that there customer service departments were unwilling to help me.

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 2020-10-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My mother died on XX/XX/XXXX. Her Chase bank account listed my brother, sister and I as beneficiaries. On XX/XX/XXXX, I wrote to ask them to distribute it. They replied to my email and on XX/XX/XXXX, I mailed the death certificate as requested. When I followed up by email on XX/XX/XXXX, I was then told they needed notarized requests from each of us. I sent mine by certified mail on XX/XX/XXXX, it was received by the bank on XXXX. My brother and sister were paid on XX/XX/XXXX. I followed up again on XXXX and was told they had not received my letter. I immediately sent them proofs of receipt and a copy of my letter, and have received no response. 

XXXX months have passed. Numerous phone calls were never returned. Chase has never responded with confirmations of submitted material or instructions on next steps, repeatedly waiting for me to follow-up. In addition, about a week after my mom 's death, they placed a huge debit against the account, effectively closing it to any payments while NEVER alerting us as to why this step was taken ( I discovered this is their policy when checking other customer reports online ). It was quite upsetting at the time. I believe the bank simply does not care about consumers who don't have large accounts. We were never given an overview of the bank 's policies or what was needed. In addition, it appears that at every step, low-level clerks are handling the matter. They take minimal steps or simply set it aside. 

I had a XXXX XXXX XXXX  on this account for several years as my mother was in ill health. Chase has my signature on file and my address is the same as my mother 's. There is no reason why this account shouldn't have been distributed months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit report is frozen without my consent or authorization. When Ive called transunions credit freeze number they transfer me to two separate departments, that can not help me. They also state they can not give me the direct telephone number for the department that they state is the only one that can help me. Ive called four times and have been transferred several times and each time they state they have no record of me calling the first two on  Wednesday XX/XX/XXXX at XXXX and Monday XXXX XXXX at XXXX. The website gives me error codes, as well as the mobile application, preventing me from removing the freeze myself. I am trying to purchase a home and my lender is unable to pull my report because of this freeze, I have picture evidence of the app that states my report is available and then the next day frozen again. This is stopping me from being able to get my loan and it is causing a burden.

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 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My student loan servicer is XXXX XXXX XXXX Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.

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 2018-06-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I purchased an Official Check ( # XXXX ) for {$12.00}, XXXX against funds in my checking account to pay my property taxes. On XX/XX/XXXX I called Citibank 's customer service to place a stop on the check because it never reached its destination. I was told I had to do it personally at a branch. On XX/XX/XXXX, I went to the branch ( XXXX ) where I purchased the check. I was told I had to fill out forms and that it would take 90 DAYS before I got my money back. When I asked why it had to take so long I was told that was the policy ( with no explanation as to why ). The banker did mention it would be faster if I returned the actual check. The bank would then just re-deposit it into my account. I left with the forms and spent the next two weeks trying to recover the check via the US Postal Service, but I was unsuccessful. On XX/XX/XXXX I returned to the branch with the stop payment forms filled out. The banker took the forms and informed me that it would cost me {$30.00} to process the stop payment. Later that day the banker informed me that I would have to deposit {$5.00} to my account to process the stop payment. Later that evening I deposited {$12.00} via an ATM machine. On XX/XX/XXXX I emailed for an update and was told that the stop payment was being " re-processed ''. Four days later on XX/XX/XXXX I received another email stating that my stop payment order had not been processed because I had not deposited any money as instructed. This is the worst customer experience I've ever had with a bank. There has been no effort to be helpful to me. First, Citibank insists on essentially holding MY MONEY hostage for 90 days and now Citibank is dragging its feet to place a stop payment on a check for over $ 10K of MY MONEY. Why is a bank permitted to do this to a customer? This has been an unbelievably frustrating experience.

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 2021-07-17
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent an Affidavit of Truth, Exhibit A, Exhibit B, Cease and Desist, Debt Validation letter, Information request, Invoice, Signed by Notary to Continental Service Group Inc. I notified them about their Violations under 15 USC 1692 B ( 5 ), 15 USC 1692 B ( 2 ). Under 15 USC 1692 C ( c ) I am refusing to pay alleged debt. Under 15 USC 1692 C ( c ) 2 I am invoking my specified remedy as a consumer and original creditor. Under 15 USC 1692 g Fair Debt Collection Practices Act I am Disputing alleged debt and Validation is Requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An account with Capital One was opened with a deposit of XXXX us dollars. The card only had a limit of XXXX which included my deposit that was in XXXX, It was passed on to XXXX dept. collection. On my credit report today they have it as the account was newly opened in XXXX. I have disputed it more than once and the dispute results that they agreed to take it off. They haven't and are still calling me for XXXX just this pass month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Bread Financial Holdings, Inc.
State: DE
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:
XXXX XXXX XXXX falsely reported a 30 day late payment on my XXXX credit report. I was never 30 days late on any payment. After bringing it to their attention, they still refuse to remove the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I called to report that my purse had been stolen 2 days prior. When I spoke to the representative through Wells Fargo Services, I was advised that I would not be held accountable for any transactions made on my account. At the time I called, I was asked if I had made any recent transactions. On XX/XX/XXXX, I was also advised an amount on my card for {$2100.00} was pending and the amount was adjusted and removed. The first card was closed and a new card was issued with a {$0.00} balance. I was sent a letter by the dispute department l, which I signed and dated confirming I did not authorize any charges. On XX/XX/XXXX, I received a letter from the dispute department stating this was a valid charge and my name and address matched for the transaction. I called immediately and spoke to card services again. The agent was rude and kept stating he could not help me and offered a fax number. I requested to speak to a Supervisor and she confirmed they had no notes on my file stating my purse was stolen along with my SS security number, driver 's licence, contact info such as phone number, email, etc. I always carry this type of information in my planner and wallet.

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 2018-02-15
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving multiple robo-calls from XXXX XXXX XXXX  every day. I can tell it is a robo-call. The company call multiple times in a row, and leaves 1-2 second long voicemails with and without a pre-recorded message and a robotic voice several times a day. I have never gotten the opportunity to answer the calls because they call in the middle of the work day. I have never heard of this company nor received any prior information from them. I had to XXXX Search the phone number to find out who the phone number belonged to, the XXXX Search brought me to XXXX XXXX XXXX, which states this company is a debt collector. 
I have also reported this company to the FTC. 
Within 14 days, I received 23 phone calls and 11 voicemails.

XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX ; XXXX XXXX   XX/XX/18 - phone calls - XXXX XXXX  voicemail included ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XX/XX/18 - phone calls at - XXXX XXXX  ; XXXX XXXX ; and XXXX XXXX voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX XX/XX/18 - phone calls at - XXXX XXXX voicemail included ; XXXX XXXX voicemail included XX/XX/18 - phone call at - XXXX voicemail included XX/XX/18 - phone calls at - XXXX voicemail included ; XXXX XXXX  voicemail included ; XXXX XXXX  voicemail included XX/XX/18 - phone calls at - XXXX XXXX   voicemail included ; XXXX XXXX  voicemail included

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 2018-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX { {$270.00} } was sent from my Wells Fargo account through XXXX to a person supposedly named XXXX XXXX email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my mobile phone. That transfer occurred about XXXX PST. The money was in exchange for 2 basketball tickets at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The tickets were promised to be sent to my XXXX Email Account, but never were. I spoke with Wells Fargo the same day and they said nothing could be done. They did not offer to identify the bank connected to the email. I spoke with customer service at XXXX to no avail ; they said it was Wells Fargo 's issue and would not identify the bank that was connected to the email account in their system. I also informed XXXX of the fraudulent advertising. Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse me for this complaint. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tried contacting sarma collections on account XX/XX/2018 no account with that number matching my name or social security number. I have a derogatory mark on my XXXX   account and the information is not all the way displayed.

Company response to consumer: Closed with explanation