BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: Prosper Marketplace, 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: Account information incorrect

Complaint:
Prosper account Loan # XXXX Showing on my credit report as being late payments incorrectly. Prosper made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2019-05-01
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I personally went to the credit bureau and explained to them any medical Bill 's I've had I was fully 100 % covered I had Medicare Medicaid and an insurance. I was never sent a bill for this. I talked to accountant XXXX XXXX XXXX XXXX is her number. She informed me that these Bill 's are old. She in formed me that all I really owe is something like {$23.00}. On one of the Bill 's.

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 2022-10-06
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This past Spring I contacted you concerning a debt that I had been paying off through American Express. That complaint was ID : XXXX. We had settled on 24 payments of {$35.00}. I made all 24 payments however they sent the final payment back saying that office in XXXX NJ was no longer servicing this account. 
With your assistance they spparently wanted an additional {$1.00}. 
I called them tlo ask why they didn't simply cash that check and request an additional {$1.00} to settle the matter. They really didn't have a response. They just wanted a check for {$37.00}. I sent a check for that amount the following morning while confirming the address that I needed to send my final payment. 
In XX/XX/2022 I received a letter from American Express with the uncashed check for {$36.00} stating my debt was paid in full. 
On XX/XX/2022 I received a new letter from Anerican Express stating that I owe them {$540.00}. 
How can this be???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is regarding CFPB complaint XXXX and the PNC representative XXXX XXXX XXXX XXXX ). 

I told her multiple times that I am unable to speak over the phone and that I can communicate via email. She refuses to communicate questions and responses via email with complete disregard to the Americans with Disabilities Act. XXXX insists on communicating via phone calls. 

XXXX refuses to make any accommodations to communicate via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good morning my name is XXXX XXXX and I appreciate it if you could help me put a stop to Chase Bank cardmember services. 
In 2018 I wrote to Chase asking for debt verification and what they sent me a statement which is not acceptable. I am asking the bank to validate the debt. Instead I been receiving mail every month from them attempting to collect a debt. 
I have a right to know this information as a consumer. 

Chase account # XXXX XXXX XXXX XXXX Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Nelson Cruz & Associates LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX XXXX, I received a phone call from Nelson Cruz and Associates, advising that if I do n't pay taxes on an old debt that was written off over 7 years ago, that they would garnish my social security wages and freeze my credit cards and bank account. They represented themselves as being associated with the IRS. The total they were looking to receive was {$1700.00}. I was not home at the time of the phone call, so I called them back and they started threatening me. I was not going to pay them, since the initial debt was written off, but they kept calling and harassing me to the point that I gave them a credit card to pay this debt. When I realized what I had done and that this was a scam, I called my bank ( XXXX ) to put a stop on the payment, and they froze the account. They later unfroze the account and made payment because they found out that I had unwittingly given them my account information. I spoke to XXXX Bank fraud department and they told me that I was not informed of my right to cancel under the cancellation refund policy and I should make a formal complaint against the company. 

I made this payment under duress, since I am living on a fixed income and could n't afford to have any of my income frozen. I am, therefore lodging a formal complaint and am looking for a refund of the {$1700.00} from this company that should not have been paid in the first place. 

Please look into this and advise how I can proceed. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: ADP Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of identity theft in XXXX of XXXX. This resulted in the majority in my online accounts being hacked and funds stolen. As of this writing, almost a year after i still have almost $ XXXX outstanding from three billion dollar companies who have failed to protect my money or made a good faith effort to return the fund. The first of these companies is payroll processor ADP. I am a registered nurse at a facility where ADP is mandatory if you want direct deposit.. A that time there was no two factor authentication on their app or web interface. As a result of this glaring security flaw the hacker was able to steal approximately {$6000.00} by replacing my checking account with another account that only he has access to. There was no call from ADP that a change was made, no email or text notification so I was totally unaware that this had happened until after the money was gone. A simple notification would have prompted me to log in and check for any discrepancies but that was not the case. Ironically the month following my incident a new vision of the payroll app called ADP totalsource was rolled out. this version now had two factor authentication. I now get a text and email when any changes are made to my payroll account. 

I reached out to the vice president of my company who in turn contacted the payroll dept but to this day have not had any remedy. i also contacted ADP via email and was contacted by a lady who basically said that's not her dept i should tell my company to contact ADP personally which they already did. There is no one to hold accountable for my {$6000.00} loss.this is money i worked hard for during the height of the Covid-19 pandemic, literally risking my life. From my perspective if my employer gives something to an intermediary and the intermediary loses it they should replace what was lost. As a result I have filed a claim in the XXXX  small claims court and have subsequently received a hearing date for XX/XX/XXXX. Apparently it is more prudent to pay attorney fees in addition to the outstanding funds. 
I have attached email correspondence of my issues plus a screenshot of the payroll screen and my bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: WELLS FARGO & COMPANY
State: FL
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:
XX/XX/XXXX, XXXX XXXX submitted an unauthorized payment of {$58.00} that was deducted from my credit union account and created an overdraft and overdraft fee.

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 2018-01-07
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I initiated two withdrawals to my bank via wire through Coinbase because I wanted it " instantly '' and paid the fee to do this. One was for {$410.00} one was for {$250.00}. Estimated payout was XXXX and this transaction was initiated on XXXX. The sell history on Coinbase says " completed '' but I never received the funds to my XXXX XXXX account. I contacted support several times and filled not one but two tickets. I also contacted a Coinbase representative on XXXX and he said to be patient but again no progress whatsoever. This is wrong and illegal to be holding someone 's money like this. I still do not have my money or any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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: Information belongs to someone else

Complaint:
Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: PHH Mortgage Services Corporation
State: NC
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 sold a property at XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX on XX/XX/2018 to XXXX XXXX and wife XXXX XXXX. XXXX XXXX XXXX provided a payoff for {$53000.00}. The CD, Title and Deed were signed by me to complete the sale. 

Now as of XX/XX/XXXX I have a new trade line on my credit from PHH Mortgage  showing the account is 180+ days past due. 

This property was sold nearly a year ago. I need this removed from my credit at once. Attached is the CD from the sale along with a verification from XXXX showing a zero balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There was a Kohls credit card opened in my name and I didnt open it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is constantly saying that I need to verify my address. 
I have already verified it twice. I am trying to dispute items on my credit report, both by mail and on the phone, and I believe they are deliberately making it difficult for me. 
They also would not allow me to use item numbers to verify my claims, and made me dig up the report number of my credit report just to proceed on the phone. It is not a matter of security when I have to verify my address by mail over and over. 
I mailed a dispute letter certified, and it was delivered on XX/XX/XXXX, yet they claim they have not received it. I can prove it. 
I believe they are trying to stall me and waste even more of my time.

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 2017-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
lost cr card agent did not ask info to replace it, wanted to do a pymt as the automated system does not do a pymt w/o acct info. agent could not take a pymt over the phone Want late fees to refunded, and replacement card sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, I set up an automatic payment plan with Wells Fargo XXXX XXXX XXXX account ) and made the payment larger than the minimum payment due. I noticed I had a late payment the first statement. I wondered ho this happened since I set up auto pay. I called and a rep refunded the fee of XXXX. I looked at my new bill and saw a {$40.00} fee. I called and they said it was because my bank rejected the payment. I saw that instead of taking out {$150.00} on the due date, there was a XXXX payment that was taken out on the XXXX of XXXX Then there was a payment for XXXX on the XXXX of XXXX Then there was a returned payment fee of XXXX on the XXXX which baffled me because on the summary of account activity, it shows the payment of XXXX. I have more than enough in the bank to pay this bill and only had the line of credit opened in order to build credit, but am mad at myself for doing business with XXXX because I had a horrible past experience. 
When I called XXXX, I was told it was my bank 's fault and I needed to call them. It appears that Wells Fargo is back to it's past practices of scamming myself and millions of others out of their money. 
I paid off the account immediately due to my disgust and closed it but omitted the XXXX fee. I told them I am NOT going to pay this and I am going to have them investigated.

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 2022-01-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying since XX/XX/2021 to have SPS mortgage services help me after completion of a forbearance. Everytime I call they say still missing documents, can't read documents etc. I send them, email them, call on them over and over. I have a reinstatement demand for XXXX now. I can give them XXXX but I need them to agree to this. I wanted the balance to be put to the back of the loan they said no. No foreclosure date set yet but there is a mention of it. I get reams of letters demanding info which I send to them Please help this co has tons of suits against. I am a senior too. They never call back as they say they will. I have a relationship XXXX who when I call her extension someone else always comes having me repeat my story. They say on every call that they will send the info provided to the underwriter. That is all they will say. Tried to get ahold of their ombudsman it goes back to their phone line or their address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: TN
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:
The following Student loan accounts are reporting late and therefore showing negative on my EXPERIAN REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX is being reported on my credit reports with Transunion as duplicate. I have tried to correct this with the XXXX County Records and with the Credit Reporting Agency multiple times. XXXX  XXXX has sent me copies of their records which list the account only once and an address never associated with my credit history or personal information, and I have forwarded these onto Transunion. Transunion has failed multiple times to correct this error. The two variations on my Transunion report show a discrepancy in the docket number ( one shows letter and numbers, the second shows only numbers ) but they continue to report the public record as two seperate public records. I have asked them to confirm that the record includes all identifying information, but Transunion has failed to provide me with validation. This seems an obvious error but one that also seems a challenge to correct.

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 2022-01-17
Company: WELLS FARGO & COMPANY
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I purchased 2 car fenders from a seller on XXXX, named " Old School Cars and Parts ''. The seller said he only accepted XXXX as a payment option. I hesitated, but was saw that my bank, Wells Fargo, offered XXXX as a payment option, so I assumed it was safe using the bank as the payment option. I sent the amount required, {$470.00} to the company via information on XXXX XXXX, the only way I communicated with him. The next day, the seller requested more money, an alleged {$150.00} " refundable insurance '' payment for the shipper, with an email to also send a XXXX payment to. I asked him to send me proof of the items even existing, and the shipper 's name, so I could check myself, or refund me the money. No message after that, and now he blocked my messaging to him. of course, the fenders were never shipped, if they even existed. I filed a claim with Wells Fargo, and after 10 days, I called back. They told me the claim was denied, due to me now knowing the other person. They did not care that theft was involved, and that upsets me that Wells Fargo even promotes a service like XXXX. I set up a fake XXXX account, and sent messages to the seller, who is still doing business. He said he never had a problem with anyone using XXXX, and I referred him to my real name 's transaction, and that a refund should be sent or charges would be filed against whoever he was. No comment after that, of course. I think Wells Fargo should help me out a little more with an investigation, or do a courtesy refund to me for {$470.00}, since they still offer XXXX. I have filed a report with the Internet Claims office. I have screen shots of all communication with the seller, even a phone number, as he called me once about the payment and texted me, too. XXXX is no help, as still have " Old School Cars and Parts '' online, and there is no real way to notify of them of this seller, as he does not use their XXXX marketplace to sell from.

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 2019-05-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
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:
Onemain Financial Gr. on XX/XX/2019 lured me into checking to see if I prequalified for a loan and stated it would not be a hard inquiry on my credit report, and it clearly was is a hard inquiry on my credit report, which has now had an effect on my credit report

Company response to consumer: Closed with explanation