BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
We have been in touch with Wells Fargo directly and also through your system. 

We have Conformation # XXXX for payment on XXXX/XXXX/XXXX for {$XXXX}. 
Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. We have a documented conversation with supervisor XXXX XXXX as well as her employee # XXXX. 
XXXX XXXX explained to us that Wells Fargo had NOT Processed the payment, no fault of ours and that no late fees or late notice would be filed - Wells Fargo bank error We have Conformation # XXXX for payment on XXXX XXXX, XXXX Letter of receipt from Wells Fargo saying they received payment with correct full routing number and correct last four of our account number. Note from speaking with representative telling my husband that Wells Fargo just did not process. 

We were contacted by Wells Fargo saying they would look into it, They told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank XXXX out of taking off this MIS-Reporting because they state the date THEY PROCESSED, which is after they noticed THEIR mistake. 

This is WRONG reporting on both My credit report and my husbands. 
We need CFPB to protect us here, as we are dealing with a KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. 

Please Help Us, 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 explanation
Consumer complaint received 2021-09-18
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I, XXXX XXXX XXXX, was sent a notice from Enterprise billing and debt collection department and emailed twice by XXXX XXXX while I was dealing with my children who were sick at the time. I was referred to make payment at XXXX XXXX The amount of loss {$1000.00}. 15 U.SCode 1691 ( f ). This company is also in violation of 15 U.S.Code 1692 ( b ) ( 1 ) ( 2 ) ( 5 ) .15 U.S. Code 1692 ( d ) Enterprise also violated my rights to financial privacy ; sold debt to a collection agency TSI whove I have never consented to the right to share my personal information with this company. This activity is illegal and against the law made by congress. Those who violate must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked them company to send me a bill of sale or proof that they own this debt. I only received bills. I need them to delete this off my credit report. They are violating my rights. I need to know who owns the right to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-05-13
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contact Experian about incorrect date and possible re aging of my account. 
they refuse to let me file a dispute for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent credit accounts from discover card on my file. I do not own or know of these accounts. Discover card says they were partially paid but l did not pay them. This is a mistaken identity. Discover card does not reply with any written proof or verification of any sort, only states debt was verified with out providing how.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-04-25
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the collections agencies below to advise that the two debts are not my debt. I asked for proof of contracts etc. I was hung up on by both at least once. I then wrote a letter which they received XX/XX/XXXX requesting this information. I did not received a follow up letter. I disputed with XXXX and XXXX several times and it has not be proved to be my debt no removed. I called XXXX and XXXX XX/XX/XXXX asking what should be my next steps. I was told to contact Merchant Credit Guide again. I explained that I've been unlucky in getting assistance from the claiming firm. I called Merchant back on XX/XX/XXXX and spoke with " XXXX '' who stated " we do not have a contract and all that messy you are asking about. Pay the debt. '' I asked again for proof of this being my account and debt owned to Merchant. He then stated " we sent you a letter. '' I said I never received a letter from your company. Can you re-send both letters? He state " I don't think we can send again, we already sent a letter to your address. '' I think said this is fraud and not my account. I will file a complaint against your company for fraud. he said " ok ma'am. '' we ended the call. I have attempted to resolve this with both XXXX and XXXX XXXX XXXX and I've gotten no where. I will not pay for something that does not below to me. I am filing a claim against both agencies and this is fraud. 


Merchant Credit Guide, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX, XXXX Account Numbers XXXX {$340.00} opened XX/XX/XXXX XXXX {$440.00} opened XX/XX/XXXX Collection Department / Agency / Attorney Medical/Health Care {$340.00} and {$440.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I made an overpayment. On XX/XX/XXXX I requested a refund and was told the refund check would be received by XX/XX/XXXX. On XX/XX/XXXX I was told to call back on XX/XX/XXXX. On XX/XX/XXXX I was told to call back on XX/XX/XXXX. I was then told to call back on XX/XX/XXXX, then I was told to wait 10-15 business days from XX/XX/XXXX before calling back. It has been 28 business days and no overpayment check has been received. I was also told the check went out on XX/XX/XXXX, but was later told it was actually sent on XX/XX/XXXX, but there is no tracking number that can confirm this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I borrowed money from private lender for my business ( {$50000.00} ) but when when the money came into my account, Capital one bank restricted the fund after several calls and copy of singed agreement was email to them. 
Every day, i am losing {$750.00} from my business and i have to start payment on this month XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was used to open credit and debit accounts. My previous address is currently residential care facility and fraudulent mails was sent to that previous address that I dont have access anymore.

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 2020-12-21
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
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:
Originally leased 2 different vehicles from Hyundai. At the lease end, decided to buy out the lease from Hyundai in order to keep the vehicles. I went to my financial institution to do the buyout. Once Hyundai Motor Finance received a check for the vehicles, they never provided bill of sale or odometer statements with the proper signatures from Hyundai Motor Finance in order to get the car re-titled. We contacted HMF a number of times - once in XXXX - twice in XXXX - four times in XXXX - Twice in XXXX ( in XXXX, the bank also contacted HMF to try and resolve the issue ) to have them send the proper paperwork. In all experiences except once, the forms arrived with no signature at all. When it did come, it had a partial electronic signature, which, again, would not be excepted by the state. At this point, every time we cann HMF, they politely put me on hold and promptly hang up! 

No matter how much ill will has been generated, we still need the proper paperwork from HMF to get the car titled. Can CFPB research this issue so that we can get some kind of movement. 

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 2022-04-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-07-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
we took out a mortgage with XXXX XXXX back in XXXX. We never took any money from the HELOC. Now we are trying to sell our home but the title search found the mortgage was never released. We contacted Chase Bank who " took over '' bank one weeks before the original closing date of XXXX/XXXX/XXXX. No one was able or willing to help us. Finally on XXXX we signed an affidavit of payment in front of a notary saying the account was never used, the balance we XXXX, and we request a release of lien/satisfaction of mortgage on the home. To date, the title company does not see the recorded release. They would even be good with seeing a copy of the release chase plans to send to XXXX county wi register of deeds. My last contact at chase was XXXX, at XXXX, ref case number XXXX. But the title company and myself have been calling her for the last week and it goes right to voicemail. We are not looking at another delay in the closing date because a month was n't enough time to get this release drafted and to the courthouse. The title company did say this might take a week or two but not a month plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022 a capital one XXXX credit card was applied for in my name and it wasn't me my wallet got stolen which had my social security card ID etc in it. There was roughly {$900.00} spent on the account but the account says XXXX but after adding up all the cash advances it came out to be about {$900.00} also there are other loans applied in my name and an XXXX account thats been used all month long

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
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:
There was a charge to my checking account at Union Bank but I do not recognize the name nor the amount. It appears to be from a company in XXXX and looks like an annual fee of {$99.00} dlls. Ive done a XXXX search for it but came back empty, no information was found. 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
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was planning to close my Capital One account and had accumulated {$130.00} in cash / rewards on the card over 11 years. I called on XX/XX/XXXX and was told by the automated system when my account was closed, I would forfeit my points. Prior to closing XXXX, I used my Capital One Rewards points to purchase an XXXX gift card for {$130.00}. It appeared as if my points went through. I then contacted Capital One to close my account. One month later, I received a bill for the {$130.00} that was supposed to come out of my rewards. I contacted Capital One and they said I was responsible to pay for the {$130.00}, even though it was supposed to be with my cash / rewards that I had accumulated over 11 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I had {$2600.00} in my joint Chase Sapphire checking account. On XX/XX/22 I made a mobile deposit in amount {$7600.00}. The check is from my wifes XXXX XXXX account which has sufficient funds. We make similar deposits to our joint Chase checking account several times per year so I can pay off credit card balances from and never before had a problem. 
Today ( XXXX ) received email notice from Chase that our checking account is overdrawn by {$4700.00} and that there is a 2 week hold on our {$7600.00} deposit. Also, our {$2600.00} has disappeared. 
We did issue any checks or make any withdrawals nor did we authorize any other persons to do so. 
We have been Chase customers for more than a decade. Thank The burdensome hold and removal of checking funds is causing monetary penalties on other financial obligations. 
This Chase banking practice of overly long deposit holds ( weeks ), false overdrafts and theft of our unencumbered prior balance of {$2600.00} is unfair, egregious and is being reported to CFPB, FTC, XXXX  and published to social media platforms. Please assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
hello i have tried multiple times to reach out to Bonton about this credit card that they say is charged off on my credit report and they have not fixed the issue ... .I did not owe anything on my card for a longgg time then they shut this store down and i get this on my credit report and it is inaccurate ... I did not have a balance at all ... .There must be a mix up in their transferring of files when they sold to the liquidator ... As a matter of fact they owe me money ... i had a {$250.00} gift card that i was unable to use once they sold to a liquidator out of the blue ... they said it wasnt possible so i lost that money ... .i will attach a file of the reporting and one of the letter i sent out in which i received nothing back ... how are the credit bureaus saying this is verified? i have disputed with all 3 bureaus and thhey have not even marked it in dispute ( see attachhed ) so how did they conduct a full investigation? this is all a mess and is killing my credit score i need this deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: AR Resources, Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
AR RESOURSES. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida At times of Incidents I had moved into a XXXX XXXX Shelter in XXXX Florida and was using State Provided Insurance at XXXX State Granted Issuance. Contact Department of Health Human resources for I.D . numbers or XXXX XXXX XXXX XXXX XXXX Florida XXXX Was informed that the bills incurred from E.R physical inspection report and other accumulated Dr . Visits would be handled by State/County Insurance. Please send me any paperwork for crisis payment or Homelessness verification as I stayed at XXXX XXXX XXXX XXXX XXXX. Please understand that I have been provided with XXXX Payment at XXXX per month and receive benefits on 1 of month each Month. I  'm Sorry for any misunderstandings on my behalf as it was mandatory visits I made as a resident of both XXXX and XXXX XXXX XXXX XXXX after leaving XXXX. 
MY EMAIL IS XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I requested several times to get an estimate for escrow/title fees. I never received anything. Final documentation listed these under " Borrower did not Shop, '' which is not true. In the end I was under the gun and forced to go with lender 's preferred title company in order not to delay closing and risk losing the loan/rate altogether.

Company response to consumer: Closed with explanation