BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: Equitable Acceptance Corp
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was called by a company calling them XXXX XXXX XXXX ( XXXX ) XXXX- they told me I could enroll in Student Loan Forgiveness. They told me that In XX/XX/2018, when I made my first payment of {$49.00}, that they would pay off all of my loans that were with XXXX . I asked this specifically. Will my loans come out of XXXX. they said yes. Then they sent me a contract through Equitable Acceptance Corporation, saying I owed them {$1300.00} for the paperwork that they did on my loans. I just got a message from XXXX, saying they put me in a program, because I am back in school. I called Equitable Acceptance ( XXXX ) XXXX and they said that they were a loan company that I signed a contract to borrow the money to pay XXXX XXXX. I called XXXX XXXX, and told them what am I paying for, they did nothing to my account except put me in the exact same program that I was already in to begin with, the servicing that I have been doing for my self the whole time. They said well you signed a contract, you still owe the money with Equitable Acceptance. XXXX XXXX is out of it because they sold the loan to Equitable Acceptance. I am so unset right now. I don't want this to happen to any other students. I want my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
call came in XXXX from Wells Fargo at XXXX XXXX from the number XXXX. Received another same day same company with same number at XXXX XXXX. Another with all same information above but at XXXX XXXX. Another at XXXX XXXX. The next day XXXX all same info but time is XXXX XXXX. Another came at XXXX XXXX. Another at XXXX XXXX. Another at XXXX XXXX. On XXXX all same info but time is XXXX XXXX another at XXXX. I have tried to call and only get a recording stating they are trying to collect a debt. I do not have a loan with them or owe money to them because I have never dealt with them. I have registered this number with Do No Call and am still getting this calls from this time. I am cooking things for XXXX and do not like to be interrupted throughout the day while trying to get some cooking done. Also do not appreciate running to the phone thinking it is a call I want only to be Wells Fargo once again. They have called before XXXX XXXX and after XXXX XXXX but do not have those records. Please help me this has to stop. I have not received anything in the mail from Wells Fargo either. Please help me make this stop. It is on going day after day after day after day after day for 1 1/2 year now.

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 2018-03-19
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and 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 2021-09-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
on XX/XX/2021, obtained synchrony XXXX credit card. attempted purchase, kept telling me to verify purchase online as stated when i applied, apply now and get 20 % off purchase online.. called synchrony to verify. They said it will work only for instore purchases and not for online purchase of the product i want. I attempted to buy a different product and again not working, now synchrony states that is because the card can only be used in store for purchases and not online. They ran a promo for online purchase and it does not work for online purchases as advertised.

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 2019-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
WellsFargo has been charging my business account XXXX XXXX   monthly since XX/XX/2019 for writing checks to employees. They have also stated they sent a code changing device key chain so I may utilize the codes to login and write checks. I called Wellsfargo several times to resolve. I would like all the fees removed since I have never signed up or utilized the service. Wellsfargo claims their employee XXXX XXXX set up this service. I have never signed up for this service. I would like to have the charges 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 2018-03-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI
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 disputed inaccurate information multiple times with XXXX, XXXX XXXX and XXXX XXXXXXXX service. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX PA {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX PA

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 2017-11-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX keeps calling me at work. They would call both my personal phone after XXXX, and work every two hours. The person 's name is XXXX. His accent is foreign. I do not trust paying off my debt with this company. I spoke with XXXX. told him not to contact me at work. I told XXXX that I will do {$25.00} bi weekly as the letter states. XXXX stated that there is a {$55.00} Lawyer charge. The letter did not state a lawyer charge, so I am refusing to pay that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the basis that the your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender has was sent the third party authorization three times. as well as the Qualified written request. 
The lender has failed to respond to our QWR sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX- the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One Retail Services ( Lord and Taylor ) charged me a {$27.00} late fee! 
Outrageous and obscene. I have never been late with paying Lord and Taylor!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice from magistrate court regarding a lawsuit that Bonneville Billing and Collections had filed. The document alleged that my wife and I both owed money for goods and services provided by XXXX XXXX XXXX. It further alleged that multiple attempts had been made by Bonneville to contact me. 
Nothing can be further from the truth. I have not received any correspondence or even one phone call regarding the alleged debt. They also included my wife on the lawsuit whom had never had any dealings with Bonneville or XXXX XXXX  XXXX. Bonneville claimed that they purchased the debt on XX/XX/2018 and were entitled to interest even though there had never been an agreement with myself or my wife that we would pay interest. Furthermore, the instance in question had been paid in full between my copay and my health insurance. According to the FDCPA, debt collectors are not allowed to contact family members regarding a debt. However, isnt that a violation when they add my wife to a bogus lawsuit? I believe that this was a carefully orchestrated scam perpetrated by Bonneville and their attorney of record, Bankruptcy Attorney XXXX XXXX, XXXX and XXXX of XXXX, Idaho. I believe that they have done this before and will continue doing this. It is illegal to lie in a complaint for a lawsuit, yet they did just that when they stated That due demand pursuant to Idaho Code 12-120 has been made upon defendant more than 10 days prior to filing of this action. And also That defendant refused or neglected to pay to Plaintiff the above mentioned sum despite demands made by Plaintiff. 

Bonneville Collections, who was the Plaintiff in this case, never once attempted to contact me, or my wife, the codefendant. 

This is a carefully orchestrated scam and they did not count on me disputing this. The lawsuit has been denied with the Judge entering a judgement for me, the defendant. 

Being as I have been completely honest about this case, I do believe that a business as well as their attorney representing them, should also be held to the same standard of honesty. Please see the attached documents supporting what I have said in this complaint. I have also included photos of the info from my health insurance website supporting my assertion that the doctors visit was paid in full with nothing being owed. My only hope is that they are not allowed to find vulnerable people and do this to them. 

Thanks for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I owned my CapitalOne credit card since XX/XX/XXXX ( 100 % payments, never late ). In XX/XX/XXXX I have changed my name, which I have informed CapitalOne and they send me a new card with my new name ( not sure if it's relevant, but that was the last time when capital one stopped reporting on XXXX XXXX ). 

Problem : In XX/XX/XXXX I have been informed on XXXX that my credit score dropped 50 points ( just made my 100 % payment before the due date, no other changes were made to my accounts at that time ). When I studied closely my credit report on XXXX, I have found that CapitalOne payment was reported from XXXX, and also myXXXX XXXX card reported ( only on XXXX ) debt over my credit limit. However, my financial aid ( latest  from summer XXXX ) was reported correctly and other XXXX XXXX was also recorded correctly. The XXXX website mentioned that thay have pulled the information from XXXX  credit report company. I have immediately checked my XXXX account, where everything was correct. I have also pulled my credit reports from XXXX, XXXX and XXXX where everything was also correct. 

To sum up, everything was completely correct, beside XXXX XXXX report of my Capital One account ( not reporting from XX/XX/XXXX ), and the amount ( even over my credit limit ) of my XXXX XXXX which I haven't used for over a year. 

So, I have been advised to send a letter explaining this problem to CapitalOne, which I did. Nothing happened until XX/XX/XXXX, when I have try to use my credit card, which was declined. I immediately called Capital One. I have called them 3 times more to Capital One. They told me that my account was closed, so they can't tell me anything. I have even been promised by manager to call me about this problem. Later, I have received a letter that they find my claim FRAUDULENT (? ) and they will close my account. 

I have tried contact Capital One again after I have received the letter, and I have been told : " We have been advised to not to tell you anything ''. 

I understand that credit card companies can close an account without a reason, but I want to know WHAT WAS FRAUDULENT? As my credit score dropped 100 points, I want to know what actually happened?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, 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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent certified mail to National Credit Systems on XX/XX/2019 to send proof of this debt and where was it acquired from what was the original amount, proof of my signature, etc. They have yet to provide to me any of the information I have asked and our now in violation of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citi bank changed my minimum amount due and then lied about why to collect more interest. How is this not illegal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: McCarthy, Burgess & Wolff, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020, I received a notice from a debt collection agency stating that I owed them {$1700.00} for a phone bill from XXXX XXXX. I reached out to XXXX XXXX  and asked them about the amount and why I was being charged for a closed account. They stated I owed them for the cell phone, that I owned, and had discontinued it from my account. They further stated that I was 4 months behind on my bill. I asked how could that be, bc they wouldve suspended my service long before it reached that point. They refrained from providing a valid answer and stated the debt was owed, and action would be taken if not paid. Shortly after, I received the bill from the collection agency, and was alerted that it had been placed on my credit report and when I checked it to confirm, my credit score had dropped significantly and it was confirmed as being on the reports. The damage caused by this fraudulent information needs to be corrected and Im asking for it to be removed and the assumed balance be XXXX out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
CHASE BANK COMMISSION SCAM. 

From XX/XX/2020 - XX/XX/2020 I have reached out to numerous CHASE BANK locations in XXXX to inquire about opening a business account. Due to COVID-19 I asked every single call, what are my options for opening a business account remotely? 

This is over a dozen phone calls all speaking with certified banking specialists. All of whom declared " You must be in person to open the account. '' This is a lie and an egregious tactic to obtain a commission. 

On my last call I pressed harder now knowing the truth that you can in fact open an account online. It was only after I called out the agent they finally admitted to this option. They then gave me an interesting warning : " You can try online, but you might find you have trouble completing the form so its easier to just come in to our branch. '' Low and behold, I have now tried ( XX/XX/2020 ) over 20+ times to complete the online application. Without fail my effort is terminated on the last page of the document every single time. 

There is no issue with my internet. I am very tech savvy. This is egregious business tactics by a major bank. 

Do to this commission scam I have been unable to collect on any payments for the last 90 days. I am concerned that money that is owed to me will not be available due to the current climate and I will now be struggling to chase down payments. 

These dirtbags need to be checked.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts for two pay day loans of {$660.00} and {$1200.00} on XX/XX/2013. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Navient Solutions, LLC.
State: UT
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:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX University online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.

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 2018-06-25
Company: JPMORGAN CHASE & CO.
State: TN
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:
IVE TIRED SEVERAL TIMES TO CALL THIS COMPANY AND THEY KEEP SAYING THEY HAVE NO INFORMATION ON ME. ALSO SENT LETTER TO SHOW THIS WAS MY ACCT BUT THEY DIDNT SEND BACK ANY VALIDATION OR VERIFICATION THAT I REQUESTED. SENT LETTER ON XX/XX/2018 STILL NO RESPONSE FROM THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 reviewed my credit report and found wrong, inaccurate fraudulent accounts on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX XXXX US Department of Edu , XXXX XXXX XXXX are duplicated accounts. Duplication of same accounts is against the rules. The actual account belong to me has been rehabilitated and should reflect paid as agreed without delinquent history. 

XXXX XXXX this is not my accounts.

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