BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: CL Holdings LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from XXXX debt collector that stated I had to pay XXXX ..this debt was originally purchased from Jefferson capital date XX/XX/XXXX. from premier credit card back on date XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX @ XXXX I spoke to a woman wouldnt give me her name I told her this debt had been paid off back in XXXX to Jefferson capital I have proof ... she told me that the original debt was only paid on for XXXX back on XX/XX/XXXX ... I had set up payment plans for XXXX after the initial payment of XXXX on date XX/XX/XXXX ... the woman spoke in XXXX accesnt and couldnt provide any proof stating the original account from Jefferson capital was paid off. I asked for them to send me proof of the account agreement from the company Jefferson capital she immediately got discouraged with me stating it wasnt her job to prove or provide that information.. then she stated YOU CAN STAY IN COLLECTIONS FOR ALL I CARE ... then hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
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: Information belongs to someone else

Complaint:
I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: SN SERVICING CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
SN Servicing Corp. has an insurance check they need to sign and send back to me for rebuilding water damage to my home. The check has been there for 2 weeks and all they have to do is sign it. I provided a self addresses envelope with postage. They are holding up the rebuilding of my bedroom, bath and closet. My wife is XXXX years old and is in the final stages of XXXX. This has been very hard on her and myself. SN said they will get get to when they get to it. To me this is elderly abuse .All they have to do is sign it and put back in the mail .They have all required information that they required and yet they sit on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I recevied a phone call from USAA about suspcious activity on my account. I was busy and did not see my phone ringing, I phone USAA back within the hour. I was told by the banking representative that day that XXXX dollars was transferred out of my account via XXXX. We ( me and that representative ) walked through the steps of securing my account again and submitting a fraud investigation in order to have my funds returned to me. On XX/XX/XXXX, I spoke to another representative from USAA about my acccount having a restriction on it that only allows the deposit of XXXX dollars at a time over mobile deposit, I learned then that USAA had determined the previously mentioned XXXX fraud claim as my responsibilty and was punishing me for it. That representative and I opened a appeal of that fraud claim, I was sent a notice on the XXXX that once again, they determined that no fraudaulent activity has been found. I phoned in again today ( the XXXX ) to ask for the documentation supporting their decision. The documentation was unavailable and i'm waiting to receive it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Early Warning Services, LLC
State: TX
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:
Early Warning Services does not have a way to report fraudulent information, and there are Inquiries on my Early Warning Services report that I have not authorized nor did I apply to any of these companies. I am a victim of identity theft, and per law 605 ( B ) I have a right to request information resulting from fraud or Identity theft to be blocked from my consumer file. These inquiries are listed below, and I want Early warning services to correct it immediately. 

Inquiries - XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to the pandemic I was unemployed and unable to make XXXX payment on time I called in XXXX to see if I qualified for the program they had going on to help ppl who could not make payments due to covid. I was told they could help and two months of payments would be deferred I let them know I would be able to make the payment in XXXX which I did I paid XXXX dollars my monthly payment was XXXX dollars a week later I got a alert from the credit bureau informing me my score dropped 64 points due to a late payment to Macys I called in to see if they could help and remove that since I was told my payments for two months would be deferred they told me no they could only remove it if it was a bank error. But it was theyre error Im beyond disappointed in this company and I do not want to do business with them again.

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 2018-04-02
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home was flooded and Wells Fargo gave me a 3 month reprieve. After I started paying on it after the 3 months I saw that I was being hit with lates each month, even though the rep has a note in my file to give me a 3 month reprieve it kept my account in a 120 day late status. I have tried calling multiple times and I am told that they do see a note in my file that I had a 3 month reprieve and would fix it, but nothing ever happens. Please remove the late off of my Wells Fargo account 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 2017-08-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Here is my verbatim secure message sent to Citi on XX/XX/2018 : " From : XXXX Subject : DID NOT RECEIVE PROMOTIONAL OFFER Date : XX/XX/2018 XXXX EST WE ARE BEING CHARGED INTEREST ON THIS ACCOUNT!!!!! WE INITIALLY SIGNED UP FOR THIS OFFER FOUR MONTHS AGO ON XXXX ( WHERE WE APPLIED ONLINE ). Highlights Click APPLY NOW to apply online or call XXXX TTY : Use Relay Service Earn {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of account opening 0 % Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 15.24 % - 25.24 % based on your creditworthiness* Earn 2 % cash back on purchases : 1 % when you buy plus 1 % as you pay No categories to track, no caps on cash back, no annual fee* Balance Transfers do not earn cash back See additional details for Citi Double Cash Card {$150.00} Cash Back Offer WE DID NOT RECEIVE THIS DEAL IN ANY WAY AND ARE BEING CHARGED INTEREST RATES. I WILL BE CANCELLING THIS CARD ON XX/XX/2018 AFTER MY LAST PAYMENT IN FULL HAS BEEN MADE. I CALLED ABOUT THIS AND A REPORT WAS PUT IN ; HOWEVER, THERE HAS BEEN NO FURTHER COMMUNICATION FROM CITICARDS REGARDING MY COMPLAINT. I WILL BE CONTACTING THE FTC REGARDING YOUR PRACTICES. '' Here was their response, dtd XX/XX/2018 : " The application used to open this account disclosed variable terms that would be determined based on creditworthiness. The terms you were approved for were based on several factors, such as the information on your application and your personal credit report. The current terms are the best we can offer you at this time for your product. 

Although we have been unable to resolve this issue to your satisfaction, we do appreciate the time you have taken to communicate with us. 

Regards, XXXX XXXX Account Manager South Dakota I opened this online and took a screenshot of this promotional offer -- which was NOT received. In fact, I am being charged approximately " 21.24 % '' interest and in four months have paid in excess of {$100.00} for interest charges I feel were fraudulently obtained. This is not what I initially applied for. There would be no reason for me to change credit card companies ( with a lower interest rate than Citi ) but for this one being based upon their promotional offer. Then and only then, to find out the card was far worse than the one I cancelled.

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 2020-08-27
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PayPal issued a credit for a dispute to PayPal credit and now reversed the decision and debited my PayPal balance. Credit/Debit to different accounts. 
In XXXX I disputed a charge of {$510.00} for a return from XXXX as I never received a refund for my return. On XX/XX/XXXX PayPal notified me that the dispute was ruled in my favor and a credit would be issued. On XX/XX/XXXX I was notified by email that PayPal was now reversing their decision and siding with the merchant. PayPal has still refused to speak with me about why this decision was reversed and will only say the decision is final. That same email notified me a debit would occur for the money back. 

On XXXX when I attempted to contact them again to ask about the decision I instead inadvertently contacted XXXX XXXX who now owns PayPal Credit. I was fully unaware these two institutions to not speak to each other AT ALL despite PayPal sharing a name across both. On XXXX XXXX opened a dispute for the same charge to do their own investigation. This same day XXXX also issued a credit for the {$510.00} also to my PayPal Credit account balance. 

On XX/XX/XXXX I was notified by email that the debit for {$510.00} had processed along with a demand for immediate payment. I checked my account to see they debited my PayPal balance rather than debiting PayPal Credit/XXXX where the original credit had gone. 

I have tried endlessly to contact PayPal via phone but they do not have phone support at this time, only messaging online that takes 4-6 hours between responses. These responses have been 100 % canned and useless. That last one I was told to contact PayPal Collections to resolve this issue. 

My issue here is I had two 0 % for 6 month purchases on my PayPal credit. When both XXXX and PayPal issued credits it caused these two other purchases to be paid off. Now they debiting me back the {$510.00} from my PayPal balance which was and always has been at {$0.00}. 

I've contacted XXXX for clarification and any help, they advised me to simply contact PayPal and tell them to instead debit my PayPal Credit/Synchrony account and it would be resolved on both ends. PayPal refused to debit the same account they credited. I contacted their collections team as advised by their messaging service and was told the demand is for immediate payment. I explained this entire thing and said they can not credit and debit two different accounts and then demand full payment. I said I am happy and willing to pay the {$510.00} back but it needs to be at 0 % for 6 months as that is what it was on my XXXX account where they sent the original credit. They refused this offer and said it's all or nothing and if I do not pay in full they'll send this to a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I closed my XXXXXXXX XXXX account after paying off my wife 's wedding ring. That closure of the account was in XX/XX/2017. In the last 2 years XXXX has constantly been charging my account and telling me I made a purchase of a necklace. This is fraudulent. The account was closed, yet they keep upping the balance every month and destroying the credit that I worked very hard to build. At this point they are reporting {$1900.00} which was not ever used by me as I had closed that account. That have even shown on my credit report that I had been making payments from XXXX on nothing at all.This is also fraud. Each time I dispute this on my credit it gets removed, only for them to do it again. This is ruining my credit day by day and needs to be removed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
During the. Of time between XXXX and XXXX of this year SchoolsFirst continues to close and display negative information on my credit accounts stems from unauthorized charges by what looks like my ex girlfriend. SchoolsFirst violates the fcra set in place to protect consumers who are victims of identity theft and fraud and should honor all rules and regulations set forth tllby the cpfb re the manor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Perfection Collection
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When first encountered by XXXX they said I was a cosigner. Now they have put this account on my credit report stating i am the owner of said product and I owe them over XXXX dollars. tried today XX/XX/18 to speak to someone at XXXX and was placed on hold for over an hour. Placed a call to Perfection Collection only a voicemail. All i wanted to know was the date I purchased this item and what location it was mailed to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
A XXXX XXXX XXXX XXXX account that Hasnt been touched in years reported a 90 day late which has hindered my credit. Ive spoke with the creditor and they advised they didnt put this 90 day late on the report. I have pictures below reflecting the notification I received from the bureau and my other credit monitoring services. you can clearly see they added late payments to the account and this is hurting my credit so I am requesting for this to be removed.

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 2018-04-02
Company: The Nguyen Law Firm, PLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX and a XXXX on my XXXX done by XXXX XXXX XXXX on Friday, XX/XX/XXXX and Friday, XX/XX/XXXX, I paid {$1200.00} out of pocket. I just got a letter from a law firm stating I owe an additional XXXX. I call the XXXX XXXX XXXX and they stated the insurance didn't cover what was done. I then called my insurance company and they stated XXXX XXXX XXXX used the wrong dental codes and overcharged by {$500.00}. After I got the dental work done by XXXX XXXX XXXX, I thought it was a bit much so I went to another dentist in the area to get work done on another XXXX. They quoted me on a XXXX on the opposite side with two options : a XXXX and XXXX XXXX XXXX XXXX. The XXXX quote was {$1200.00} and the XXXX XXXX XXXX was {$280.00}. Unlike the XXXX and XXXX I got done at XXXX XXXX XXXX, I opted to get the XXXX XXXX XXXX. XXXX XXXX care has a history with The Nguyen Law Firm , PLC in bullying people and ruining their credit with overcharging clients.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I want to find out if my husband and I were impacted by Wells Fargo 's illegal practice of opening unauthorized accounts. All the resources say to check our Wells Fargo bank account for unusual activity. But the problem is we are no longer a Wells Fargo customer, because of their unusual and seemingly illegal activities on our bank account, we changed banks several years ago. I contacted Wells Fargo to complain about their practice of taking funds out of our checking account several days prior to the authorized date, causing our account at times to be overdrawn. Especially when they took our mortgage payment out 3-5 days prior to sending it to the mortgage company. I asked repeatedly what were they doing with our money during that period, were they investing it to make money off of it? They gave me all kinds of vague answers saying it was perfectly legal and they wanted to ensure I would have the funds available and this was their way of ensuring that. After months of frustration and unable to stop them from taking our money out of our account unauthorized, first we stopped using their online banking to authorize certain large payments, then we just changed banks. But I believe strongly that the money they were deducting from our account may have been used to set up unauthorized accounts. Can someone assist me with how to research this since I no longer even have an account with them, and we did not have paper statements from them from that time period? 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 2018-02-15
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a stop loss set on XXXX Crypto currency exchange ( Coinbase ). The exchange executed my stop loss transaction, charged me fees for it, but the prices shown on the exchange were never low enough to trigger the stop loss. 

I have a screen shot to show what I'm talking about, filled out a customer support ticket over a month ago. Case # XXXX. Have not heard anything back from customer support, nor is there any ability to check the status of my claim. Please help me investigate how this trading glitch happened, why I was charged fees for it, and help reclaim my lost money in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection account that was part of my identity theft case just appeared on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation