BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-08
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
in XXXX account had garnishment on my personal checking account the XXXX dollars was never dispersed the account was closed and over 13 years the bank has taken a XXXX dollar monthly maintenance fee in XX/XX/XXXX i received a letter stating since there has been no activity they would transfer funds now XXXX to unclaimed property i called to claim the funds rather then claim funds from unclaimed and all i get is statements

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 2018-10-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
" " '' I have disputed this collection on this XXXX XXXX & XXXX  XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2020-09-11
Company: Nobilis Credit Management, LLC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a voicemail on XX/XX/2020 at XXXX XXXX ( I was at work so, I stepped outside at XXXX XXXX  on XX/XX/2020 XXXX. I spoke with XXXX XXXX at Nobilis Credit Management LLC. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: U.S. BANCORP
State: AZ
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: Was not notified of investigation status or results

Complaint:
I notified US Bank on more than one occasion about my serious health problems and asked them to work with me as I was fighting for me life. The agent always seemed willing to work with me on trying to keep me current on my mortgage. it wasn't until recently when I applied for a new mortgage that I found they did not keep their word. They had stated the would add payments to the end to cover XXXX and XXXX of XXXX  and show me current.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XX/XX/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 2020-07-22
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My name is XXXX XXXX I am on XXXX XXXX XXXX XXXX Georgia XXXX and been waiting on my way2go debit card from gdol and haven't received it and it's almost XXXX and would like a call I called customer service no answer on more than one occasion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was the victim of a phishing scam on XXXX XX/XX/2020. It involved purchasing XXXX {$100.00} XXXX XXXX gift cards and I used my Chase XXXX Visa card to make the purchase. I was able to prevent the gift cards from being used and after much effort on my part XXXX XXXX agreed to credit my Chase XXXX Visa card for the full amount of {$300.00}. I have been checking with Chase Bank to see if the credit has been made and today while listening to their own electronic voice account status I was told that three credits in the amount of {$100.00} each were made on XXXX XXXX to my account. When I went to the Chase Bank website and opened my account to verify I could see no record of the credits and we are now three days later. Subsequent calls to their customer service personnel yielded no results. They could not explain why their electronic phone system would indicated that {$300.00} in credits had been made but they could not see any record of the credits in their system. Chase Bank obviously has my {$300.00} credit but is refusing to apply it to my Chase XXXX Visa account. I want them to credit my account for the amount that XXXX XXXX Department store sent as a refund. Their own phone system documents that they received the funds on XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Spring Oaks Capital, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are reporting this account was open in XXXX  the date of delinquency was over 2 years ago almost 3 Ive asked it to be fixed and it hasnt they refuse to send me statements and they called XXXX XXXX XXXX  and have her all my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 customer service

Complaint:
When we go online we can not see our transactios .This has been going on for over a month. We have called XXXX several times with no results .All they tell us is that they are working on the problem and amazingly, they do not know when the problem, with not being able to see transactions, will be fixed. A company as big as XXXX and no one knows how to fix this problem. I have sent emails to a XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX at corporate with no response from any of them. I think my days of being a customer for over 10 years are coming to an end ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: BlueChip Financial
State: SD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Tuesday XX/XX/XXXX I was contacted by my HR department that some gentleman had come into their office trying to serve me papers. He left them with only a name of XXXX XXXX XXXX XXXX along with a phone number of XXXX. I called the number and spoke to a gentleman who was very rude asked if I have signed any litigation paperwork within the last 72 hours and said they were suing me for a loan from XX/XX/XXXX. I said no I have not signed anything so he proceeded to tell me well then we can settle this now before any paperwork gets signs. I said I do not have the money at this time to pay it. He became more aggressive so I hung up on him. This morning Thursday XX/XX/XXXX I get a voice message from a XXXX XXXX from some servicing agency that said my case was forward to them by XXXX XXXX XXXX  XXXX. The lady said in regards to my property and my place of employment and I had 24hrs to return the call. I returned the call and they said that I would have to call XXXX because they are only a servicing agency and my file is in their hands now. I told her that I called them Tuesday and am now wondering how you received my information if you did n't have my file. I also requested a validation be sent to me about the debt. She was unable to give me any answers, just kept saying we are a servicing agency and you need to contact XXXX. I told her I filed a claim with FTC and she then hung up. The servicing agency number is XXXX

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 2019-01-10
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 am having issues with inaccurate addresses on my credit file.. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, EQUIFAX, XXXX  inquires regarding all personal information. Under the Fair Report Credit Act, you are required to comply. I would like you to 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. 
The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX  XXXX I have tried to get this corrected before with no response. There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contracts with. I would like a copy of my full file report on your files for my own personal review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email message from XXXX XXXX XXXX  on XX/XX/2020 indicating " They have been trying to reach me to resolve an outstanding balance with XXXX  XXXX XXXX  ''. Furthermore, the header message of the email is as follows : " Action required. Your account may be forwarded to an attorney. ". XXXX XXXX XXXX   sold my account to LVNV Funding several years ago. There was an outstanding balance, which was settled for less, with a company previously engaged on behalf of LVNV Funding. The representative at that particular company was a woman named XXXX XXXX. Although, despite my countless attempts to receive a formal " settlement agreement '', I was advised upon payment of the agreed upon installments, my account would be marked paid in full. Subsequently, LVNV Funding continues to attempt to collect the small remaining balance and has negatively impacted my credit rating as a result of failing to " satisy '' my account. XXXX XXXX XXXX   message is as follows, " We have been trying to contact you to help you resolve your outstanding balance of {$510.00} with XXXX  XXXX XXXX, XXXX If we are unable to assist you while your account remains in our office, our client will recall your account and may forward it to an attorney. Please avoid this situation by selecting one of the following payment options : A one-time payment of {$250.00} Twenty consecutive monthly payments of {$25.00} XXXX XXXX XXXX  has implied there is monies owed to XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX  has misrepresented on whom they are acting on behalf, XXXX XXXX XXXX sent a clear text message to a shared email address containing confidential information, XXXX  urges immediate payment or face to the account being recalled and sent to a lawyer, XXXX XXXX XXXX  implied they have been trying to reach me, this was the 1st communication I had received from XXXX XXXX XXXX. LVNV Funding had been notified of the balance dispute via a direct filing with the credit reporting agency. LVNV Funding has not taken any action, nor provided any response to the credit dispute. In countless way, XXXX XXXX XXXX  and LVNV Funding have violated rules under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
First they said they can fix this with a phone call and a couple documents. When I called to send over the documents they changed their minds and told me I need different types of documents and that they couldnt do anything to change the fraudulent collections account. 

They only replied on here with helpful information. But when I contacted them they didnt seem to care or help. They are still reporting fraudulent collections AFTER I sent the required info. I proved my identity and submitted substantial evidence proving my claim and my identity and nothing has changed. The employee involved on the phone was also rude and unprofessional. She didnt know what the CFPB was and I had to explain to her. She still couldnt believe me. Her name is XXXX she needs to be held accountable as well!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: ACIMA CREDIT, LLC
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:
I do not agree with the company furnishing negative information to XXXX. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. XXXX nor any other consumer reporting agency has my written permission to furnish any information without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage for a condo. Besides the XXXX XXXX XXXX insurance ( mostly for structure ), I need to also provide my own condo insurance. 

In XXXX, my condo insurance lapsed due to miscommunication with my insurance company. 

In XX/XX/XXXX, my mortgage company ( Bank of Hawaii ) notified me that there was no insurance. Over the next 4-8 weeks, we worked through the discrepancy and my insurance was straightened out in early XX/XX/XXXX. 

If Bank of Hawaii purchased insurance for me during these months ( XXXX XXXX ), I have not problem with it and that makes sense. But they sent me a letter that they were charging me ( {$1000.00} ) for insurance for XXXX. When I questioned this, they said it was the rule and it was " retro-active ''. But they said that if I had needed the insurance back in XXXX, it would not have been in place and so I would not have been able to use it. 

So how can they charge me for insurance for XXXX when I didn't have insurance available to me in XXXX? And what kind of insurance company will sell insurance for a time period that has already ended?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We did a modification on our mortgage almost a year ago now & have not been late or missed a payment. We now have a charge on our mortgage statement of {$330.00} XXXX of what they are calling lender paid fees but no explanation of what those fees are for or who exactly they paid. Our mortgage statement shuts that they will not accept another mortgage payment until we pay this fee first. We have tried to contact them, only to be put on eternal hold and were given the option to press 1 for a return phone call, which we did, but still no returned call. I dont see how this is legal for them to access a fee out of the blue with no detailed disclosure of who they paid the fees to or what they are for & now refusing to take our next mortgage payment until we pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-11-26
Company: Experian Information Solutions Inc.
State: GA
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:
I received all my documents from the company XXXX XXXX XXXX dated XX/XX/XXXX as paid in full. I have the title and payment contract. It was reported XX/XX/XXXX that I owe on the vehicle and that is not true. If I owed anything, I wouldn't have the title to the car. It may be a flaw because on the credit report they are now under a different name or company. I need this removed from all 3 credit bureaus as soon as possible.

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 2019-06-03
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was XXXX to XXXX for the past year. During that time I was late on some mortgage payments. Wells Fargo has credited back all of my late fees however they will not remove them from my credit. These lates are causing me to not be able to refinance my home ( cash out refi ) so that I can pay off all my bills.

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