BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a wells fargo 's advertisement for checking account ( Picture 1 ) and opened a wells fargo checking account in XX/XX/2017. However I didn't receive the {$300.00} checking bonus as they advertised. 

Their terms : Receive a sign up bonus of {$300.00} when you open a new Everyday or Preferred checking account with Wells Fargo and have {$1500.00} direct deposited into the account for three consecutive months within 150 days of account opening. 

Not eligible for bonus if you are : 1 ) acurrent owner on a Wells Fargo consumer checking account ; 2 ) aWells Fargo team member ; 3 ) arecipient of a consumer checking bonus in the past 12 months ( limit 1 bonus per customer ). 

I tried to contact their customer service. The first customer service told me that I not eligible because I don't have a XXXX on file. But I have mailed them XXXX long time ago and their customer specialist confirmed with me that they have received XXXX ( Picture 2 ) The second time they told me I am not eligible because I previously owned a wells fargo account. However, that account was closed when I opened the current checking account ( Picture 3 ) and I didn't receive any account bonus in the past 12 months. As for their terms, I should still be eligible. 

In sum, I hope that I can receive the {$300.00} new checking account bonus as they 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 2020-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a Child Support ENF/ Attorney General on my report that was paid and should have never been on my report as owing {$51000.00}. Things had been paid in full and should have NEVER BEEN ON FILE! 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 2021-01-21
Company: EQUIFAX, INC.
State: PR
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:
As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of XXXX XXXX ( XXXX ) which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from XXXX XXXX. I proceed to call XXXX XXXX and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to XXXX XXXX on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: HALLMARK HOME MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
A formal contract was signed with a client to build a home, the client received pre approval for mortgage XX/XX/18. Builder began to work with client and loan orginator, providing details on home, completing the builder package and providing financial information. All submitted and confirmed receipt XX/XX/2018. Email from Banker confirmed package sent to Builder approval department XX/XX/18. At this point client and Builder began construction with periodic check points with orginator, conversations indicated, First draw would be available as of XX/XX/XXXX. Builder contacted Banker/Mortage Broker to get update and proceed with first construction draw and was told by banker no construction loan has been submitted or funds available. Building was started XX/XX/18 to comply with contract to complete home end of XXXX. Outstanding balance exceeds XXXX client nor Builder have funds to continue construction.Banker advised client to have Builder complete the home since it would close in 45 days and can then execute the mortgage.

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 2020-09-04
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit collection services : this has to do with a car that was in somebody else name & they keep trying to attached to my name giving that we had the same last name XXXX XXXX XXXX : the account there referring to is past 7 years old past 7 years on my credit I dont wan na this hasnt been removed yet. But it keeping up with a new date. Since think I have no new account with XXXX in perfect standards.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
A flight purchased through XXXX on XX/XX/17 was cancelled on XX/XX/2017 ( non-operational ) and I was promised a refund by XXXX ( flight was through XXXX XXXX ). I have the email from XXXX to prove this ( see attached ) XXXX never followed through with the refund ( 2 tickets at the price of XXXX ) so I filed a dispute with Capital One. Capital One initially credited my account for those flights and SEVERAL months later I receive a transaction REBILL on my credit card statement because XXXX disputed this saying I owed for it. 

XXXX disputed my request for refund even though the flight was cancelled. Capital One asked for proof which I sent ( email AND itinerary print out of my XXXX account showing it was cancelled ) and they closed the claim on me stating that I am past the statue of limitations with my claim. They sent a letter to me initially asking for more information in writing which I never got ( I had called due to the rebill on my online account ). Capital One said they would review my info even though it is past the date they requested it is received by. Then they refused everything I sent in. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written and attempted to call to verify this debit. Instead it was just placed on my credit report with out any validation or attempt to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had this Medical Collection reporting to my Equifax credit report for some time now with no success getting it removed. I have made several attempts for validation of debt with no response. 

The balance {$670.00} Date opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my Experian credit was pulled on XX/XX/XXXX and then again on XX/XX/XXXX. Please remove these two inquires being reported on Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
In summary, I have no access to my account online, the company does not send paper notices, email statements, or have they discussed the amounts in question while on the phone. 
Trade/turn in issue : In XXXX XXXX  I leased a vehicle through XXXX XXXX XXXX serviced by NMAC. I have paid every payment on time in full from day one. I have been trying to trade the vehicle in since XXXX XXXX. This had mot come to fruition due to a number of reasons including poor communication on behalf of the sales team, suitable vehicle availability, scheduling test drives during COVID. At the expiration of the else I continue to have issues that included getting call backs from the dealer to get inspections and turn in scheduled.

Managing the lease : I opted into paperless accounting. At the expiration of the lease, I attempted to access the account. I was locked out by NMAC. The phone number provided had a COVID related message suggesting calling at a later date, which I did as well. I was unsure of what i would owe without this access. NMAC finally contacted me right as we identified a new vehicle during mid XX/XX/XXXX. I expressed the desire to return the vehicle and requested a communication of what was due on the account. I was contacted by them again and expressed the same only to be refused the account balance yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: CL Holdings LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX reported {$520.00} as unpaid to my credit which was incorrect, I disputed it and it was removed from my report. Then it was sold to another Jefferson Capital System bought the account and with no notice or a chance to dispute, they just reported it to my account and this has impacted my credit score and ability to get a job,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2018, I was made aware that my XXXX sister and I credit file may have been merged with one another, as one her accounts was reporting on my experian report. I contact the lender and they, of course, stated the credit reporting company made the mistake and they were not complicit or culpable. I checked the rest of my report and noticed my sisters name listed as one of my names.

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 2020-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$120.00} XXXX  XXXX XXXX {$190.00} XXXX  XXXX XXXX {$72.00} XXXX/XXXX  XXXX {$160.00} XXXX XXXX XXXX/ XXXX {$12000.00} XXXX XXXX XXXX {$2300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call and call no answer and I never sign any contract with this collection agent! By law if I dont sign any contract with this agency this need to be removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a letter from the alleged company ( Capital One ) which showed that the supposed debt/loan was not carried out by said company. I also contacted the credit agencies to dispute the negative reporting by Capital One and my credit score was amended because of that proof. However Capital One failed to resolve the dispute on their end or notify any collection agencies that the dispute was a result of their reporting error and closed the dispute using incorrect data. Capital One failed to note in their report that the car loan in dispute doesn't match the sales record of a car I did buy and paid off was in good standing ( I've had the title to the car since XXXX ). Capital One also failed to note that the credit card listed was reported stolen in XXXX or XXXX and could not possibly have been used to get a car loan. 
This whole mess with the collection agency is the result of faulty reporting errors by Capital One which also failed to act on a previous CFPB complaint ( this is not a continuation of that complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: JPMORGAN CHASE & CO.
State: LA
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 called Chase to determine why my credit card limit was reduced from {$3500.00} to {$2000.00}. Over the previous two months ( XXXX and XXXX ), I paid {$1500.00} to chase and was working on paying down my card balance. I believe that Chase lowered my credit line as a predatory practice as it people, including myself, were receiving stimulus checks due to Covid. I find it appalling that during a time when electric companies were waving fees, mortgage companies were waiving fees, insurance companies were sending out refunds and people were losing their jobs- Chase decided to lower my credit limit. On top of that, when I called to address the issue stating that I had the card for a while and had been increasing my payments the previous two months by paying {$300.00} and {$500.00} dollars every two weeks, they lowered my credit line. The Chase official told me there was nothing that they could do. I then received notice of a hard inquiry on my credit report that lowered my credit score at a time where I was building my credit and amidst a pandemic. I believe these predatory practices by chase are widespread and should be addressed. Id like to have the hard inquiry taken off of my credit report as chase lowered my credit line at a time where i lowered my balance from XXXX to XXXX. Chase in return lowered my line of credit to XXXX as soon as I had paid it down and simultaneously when my stimulus check was issued.

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I transferred {$1200.00} from my linked credit union checking account to the Cash App card I have, which I planned on using for rent. I did this on XX/XX/2020, after my XX/XX/2020 attempt to pay rent online was declined due to a clerical error ( incorrect bank routing number entered ). My intention was to use that card to withdraw cash to pay rent with a XXXX, as now required by my apartment complex. My credit union is XXXX XXXX XXXX XXXX ( where I used to live, in XXXX  ) and my current home is the XXXX XXXX XXXX in XXXX XXXX. My legal name is XXXX XXXX, but I go by XXXX ( hence my username on Cash App, $ XXXX ). 

Since my associated debit card was canceled around the same time ( my credit union sent me a replacement recently ), I assumed thats why the money didnt get to my cash app card. The company told me I had to have a card associated with their Cash App card, but once I replaced the debit cards with the replacement, the money didnt go through. 

Cash App does not show receipt of the {$1200.00} transfer, but my credit union shows {$1200.00} leaving my account and going to them. I never received it despite even replacing the credit union debit card to back the Cash App card it requires. My rent is now almost a whole month late, and Im facing eviction. They refuse to respond to emails, messages, and wont call. My credit union said theres nothing they can do, but Cash App wont fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: CA
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:
This is a complaint against the rip off companies Equifax, XXXX and XXXX. It is ridiculous that I have sent 2 letters on XX/XX/21 and XX/XX/21 and still have not received notice that a investigation has even started nor have I gotten any resolution! In my letters it details my disputes about the falsely inaccurate accounts on my Credit report that have been reported by these companies. The negligence I have experienced as a consumer isn't right and I just want to be treated fairly as the FCRA laws permit me to, I come to the CFPB as I need help to be properly addressed in my dispute and not ignored for almost 6 months. 

I want original documentation to be provided by these companies to support their claim to be supposedly reporting accurate Information. Failure to do so should result in deletion of the accounts and false late payments found on my report. Failure to mark these accounts " in dispute '' on my credit report is a FCRA violation along with not responding after 30 - 45 days is ground to have these accounts removed alone! I will sue if I am taking Advantage of further!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is XXXX XXXX and this credit card my husband used in XXXX XXXX XXXX XXXX. He passed away on XX/XX/2015. I went through probate and was told I was not responsible for his business cards. I had no business with XXXX XXXX in Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
For many years, I have been on an automated student loan repayment plan with Navient, where they withdraw {$70.00} each month from my bank account. This month the loan was finally fully repaid on XX/XX/18, with the last payment slightly reduced to {$70.00} to reflect the last remaining amount on the loan that was actually due. 

After this months payment posted on XX/XX/2018, Navient showed I still owed a balance of XXXX cents on this loanand that they had scheduled another $ XXXX payment to be withdrawn automatically from my bank account next month. If I had actually still owed XXXX centsthen the amount they should have withdrawn this month for my last payment would have been {$70.00} XXXX still XXXX cents less than my normal monthly payment ), and resulted in a zero balance. 

I can only guess that having their system erroneously reduce the normal payment on what should have been my final payment for the sole purpose of producing a small amount still owed on the account apparently allows their system to attempt to fraudulently withdraw a full payment ( clearly no longer owed to them XXXX next month from my account. 

If I hadnt caught this, who knows how many more months they would have unjustifiably generated a small balance still due on my account for the purpose of continuing to fraudulently collect a full monthly payment no longer due to them from my bank account through their automated system.

Company response to consumer: Closed with explanation