BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am aware that there is currently several lawsuits against Wells Fargo for failing to properly investigate account fraud claims, and have been closing accounts involved without providing notice to the customer, so I am taking any and all steps to preserve a record of my efforts to recover my funds. My current WF fraud claim number is XXXX 1. On XX/XX/XXXX, I noticed that certain emails were not making their way into my inbox on gmail. 
2. Upon closer inspection, I noticed that some of my email traffic was ending up directly in the trash bin within my XXXX account. 
3. I immediately noticed that there were several XXXX transactions reflecting the forwarding of several large cash transfers from my account to a variety of people, none of whom I know. Nor have I ever used XXXX before and not since. 
4. I called Wells Fargo immediately to notify them of what had happened. I verbally registered a report with Wells Fargo Fraud Dept, but my claim was denied approximately 7 days after I registered my complaint. They did not make contact with me to ascertain any of the facts. They merely claimed that the transfers were done via a secure online session and must have been with my authority. 
5. I then submitted several pages to the Wells Fargo fraud dept to support my claim of online fraud, and again my claim was denied by Wells Fargo. This is despite the clear evidence I provided that someone hacked into my email and my Wells Fargo account, changed my contact information, attempted to open up several cash card accounts, reassigned a XXXX account from my phone to two other phones ( not mine ), and then transfered the balance in my checking account to several people via the XXXX app. 
6. I have since filed a police report with my local Police Dept. and have filed a claim against Wells Fargo via the FTC website.

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: BUDGET CONTROL SERVICES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I had a XXXX procedure done. Originally I was told with both my insurance it would only be {$7.00}. Great ok so I had the procedure done when I came out I was told it would be {$90.00}, when questioned I was told the need to do extra stuff while do the procedure. I was told while it was happening hey we are having to do extra work or anything. But I paid the {$90.00} anyway right then. So maybe like 2 years ago I see a collection. I call and they say its from XXXX XXXX XXXX XXXX. Well as far as I know I paid. So I called XXXX XXXX, they looked up my record and said they sent a letter With the additional fee. So I said what fee I already paid extra while there. She said my insurance came back inactive. NOT TRUE. so I called the insurance company myself and was told by them, that because I had two insurances they asked them to send a itemized bill of what the other company paid and they would pay remainder. Well they never sent the itemized bill per the insurance company. They company also told me they would still take care of the bill if they send the invoice. So I called back perfect teeth and asked for manager. The secretary who I spoke with earlier said she was the manager and wife of  the dentist that did my procedure. So I told her what the insurance company stated and that if she sent the itemized bill they would cover the debt. She then said she sent the itemized bill they asked for. STOP she had told me in the previous phone call that they said my 2nd insurance was inactive. So I told her that she just lied to me. She then began to yell and say if you had your mail forwarded then you would have received the new bill and wouldn't have went to collection. I told her my husband is military we live on post we had no other bills or mail being sent to us. The XXXX knows where we move, and we had no outstanding bills to have needed to forward any mail. I was told it was taken care of when I left your office. I truly believe they are running a scam. They are charging people extra and because I had 2 insurance they tried to bill them twice for same procedure. Why else would they not send a bill. Even a debt when the insurance is saying they will pay for. They need to be investigated and the matter needs to be investigated. I don't have money to pay a bill I don't owe. The debt is now with Budget Control Service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have sent XX/XX/XXXX and TransUnion requests about this collection being reported to see if this is even an actual true debt I owe, neither TransUnion nor XX/XX/XXXXhave sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XX/XX/XXXX has removed this account from my report because they were not able to substantiate this account, so I am curious how TransUnion is able to? Additionally, TransUnion is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown TransUnion their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.

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 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received an email from Capital One about a store credit card which the company has bought. The email offered payment options to cease the 'charge off ' process on the card to allow me to keep the account. I was referred to a toll free telephone number where I could make arrangements to pay in installments since I am not able to make the balloon payment. 

The telephone number is a fake, the person on the other line answers the phone in his home and claims to be a Capital One representative. I tried the call on two different phone numbers ; on the first phone call, I did not identify my name on the account and was not asked, then the person answering the phone asked for my DOB, when I asked to speak to someone else, the person transferred the call to a child. On the second call, the same man answered the call after taking the phone from the child, his wife was in the background and again they asked for my DOB. I hung up the telephone without giving out any more information. 

The problem is that my online account with Walmart.com hacked and then the same account was transferred to Capital One at a buy out - I was trying to prevent the 'charge off ' from happening, but apparently, I have been SCAMMED and am unable to reach Capital One to resolve this matter in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Billing dispute for services

Complaint:
I am only now learning that TransUnion has been charging me {$20.00} per month since XX/XX/2017 for a TransUnion account. They claim I must have signed up for free trial and then failed to cancel it, however there is no confirmation email stating that I ever signed up for this and no monthly receipts ( or any other document indicating to any effect that I have ever been charged ) sent to me at any 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 2019-10-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report being that I'm wanting to purchase a home however I there is Navy Federal Account that is reporting on my XXXX account in which I disputed directly with Navy Federal and they sent a letter stating they would remove it 3 weeks later i checked my report it was removed however this is now 6 months later I check my report again and to my surprise Navy Federal is reporting on my credit this is outrageous and goes against the FCRA. I'm demanding this fraudulent account be removed indefinitely or I will have my attorney sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went to Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX. 
I went to make a payment on my credit card. I put in {$1200.00} and it told me I had {$1100.00} credit I thought that was strange so I got my money back out but they only gave me {$1100.00}. I stuck it in a second time and it said I had {$1100.00} credit I pulled the money out and it only was {$1100.00} so they ripped me off {$140.00} I did not want to hold up the line so I drove around the block and pulled behind the gentleman that was behind me. I looked up after I counted {$1100.00} and saw that he was yelling at the machine. I open my door and asked him if the machine had ripped him off and he said yes. I told him we should go into the bank and tell them but he said he was going to call the number on the ATM. I went into the bank and explained to them what happened and they made a payment on my credit card for {$1100.00} because that was all the money I had. 
After I made my payment, I talked to another bank employee and he told me that the ATM had been ripping people off all day and I was asked why didnt the bank put a sign on it and all they did was laugh about it. The bank XXXX had told me to call the number on the ATM which I have called six times they give me the run around and tell me its going to take me up to two billing cycles to get my money back which from what I understand it should have taken care of it within 10 days or less. I keep getting the runaround I just want my {$140.00} put on my credit card. 
The ATM ID Number is 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 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Capital One canceled my account for non-use. I became aware of this on either XX/XX/XXXX or XXXX, 2021. They claimed they sent notification by the US Postal Service. I do not remember receiving it They could have sent it by registered or certified mail, but they did not. 
They could have sent by email, requiring a response from me that I received it. 
Again, they did not. I have my email listed on the Alert Page. 

I would never have let this account close from disuse because I have over {$2000.00} in reward miles. This closing also lowered my credit score by 3-4 points. 

Capital One is refusing to reopen my account, and are refusing to pay me the reward dollars that I have rightfully earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Upgrade, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upgrade Inc sold my settled debt to a debt collection company after I had already settled and paid for my debt. The settlement and payment was for the amount of {$5800.00}, and the terms were agreed to on XX/XX/2020. I have contacted Upgrade Inc multiple times for them to resolve this error. Upgrade Inc insists that they were allowed to sell my debt even though I had already settled and paid. When I contacted the debt collections company, XXXX XXXX XXXX, I am told I must have Upgrade Inc resolve this error. 

Upgrade Inc is refusing to resolve this error is selling my settled and paid debt to XXXX XXXX XXXX. Upgrade Inc is refusing to refund me for the debt settlement payment that I have already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Bankruptcy discharged a few years ago, this account is still showing as open and reporting negatively.

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 2019-10-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX   ACCT # XXXX**** 2. XXXX XXXX XXXX ACCT # XXXX**** 3.XXXX XXXX ACCT # XXXX**** 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX**** 5. XXXX XXXX XXXX  ACCT # XXXX*** 6.XXXX  XXXX   XXXX ACCT XXXX XXXX**** 7.XXXX/XXXX XXXX ACCT # XXXX**** 8.XXXX/XXXX ACCT # XXXX**** 9. XXXX XXXX XXXX XXXX ACCT # XXXX*** # XXXX**** # XXXX 10. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Their investigation did not fix an error on your report

Complaint:
I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX ACCT # XXXX 2. XXXX  XXXX XXXX ACCT # XXXX 3.XXXX XXXX ACCT # XXXX 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX 5. XXXX XXXX XXXX ACCT # XXXX 6.XXXX XXXX XXXX ACCT # XXXX 7.XXXX/XXXX XXXX ACCT # XXXX 8.XXXX/XXXX  ACCT # XXXX 9. XXXX XXXX XXXX XXXX ACCT # XXXX # XXXX # XXXX 10. XXXX XXXX XXXX ACCT # XXXX 11. XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I believe Paypal is scamming me, and from Internet research I have witnessed numerous complaints from others about being scammed by this company. I have {$540.00} in donations at Paypal for donations to help the XXXX XXXX XXXX XXXX. For two weeks, I have been unable to acquire these funds. When I call Customer Service, I listen to recordings for five minutes ; the phone calls ends each time with " We are unable to assist you at this time. '' I've been communicating with Customer Service agents for two weeks. On every occasion, I have been directed to a phantom link. When I try to respond and say " this is a phantom link, '' I realize that they have terminated my chat session and I can no longer respond. I received an email from XXXX, and receive an additional phantom link. When I write back, I'm told that I need to go to the same Customer Service chat that has given me several phantom links. On line, the website refuses to accept my bank account despite all data being correct. The website further rejects my new phone, blocking my need to receive a code to enter. I believe I am subject to a scam. I have never experienced anything like this, and two weeks of my life are now wasted on this fraudulent company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account name XXXX and Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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:
I am disgusted this is my second attempt. I'm being accused of not being me?? Like I stated in my first complaint. I disputed all the way back on the XXXX of XX/XX/2020 and have yet to receive any indication of my disputes being investigated. I feel like I'm being toyed with even more now that I'm being accused of not being myself I also feel like I'm being ignored of my disputes. It's been over 45 days at this point and still NOTHING. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. Like I stated before I was also impacted by the XXXX  data breach. Please resolve this in a timely matter. I will be attaching my dispute again.

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 2019-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Usaa internet fraud dept. Some one hacking my account. Tracking my account. An every time i talk with them.i get Colorado XXXX XXXX. Money is coming up missing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my unemployment account was compromised and my direct deposit got changed to a individual that I don't know. Who account number I received from the originator. XXXX. I called wells Fargo since it was one of there accounts. They were not trying to help even after I got a hold of the account numbers. My money is being deposited into another person account and is causing me finicial harm. The customer service was very rude and will protect the fraud person. Saying they are the only bank that lets people deposit checks thats not in that persons name.

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 2021-02-12
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was laid off XX/XX/2020 and have been unable to return to my previous job. 
Ive had several interviews but nothing has resulted in employment yet except for one offer that fell through because of the pandemic. Ive explained this to my loan service company several times. I can not make any payments right now but they continue calling and mailing threatening letters and trying to ruin my credit.

Company response to consumer: Closed with non-monetary relief