BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/19, I attempted to change my phone number and email address. I get a prompt wanting to sent a text message to a phone number I have not had in years, so it prompts me to call customer service. 

As before, customer service will not let me change the information, just like when I attempted to change my address. I kept getting stonewalled and bounced around from person to person. They wanted to send a text to a number I told them I had changed and then to send a message to a dead email address. 

The whole idea was to update the information and all I get is stonewalled and angry because of their inept staff. 

This is the second time I have had to get the CFPB involved to get these idiots to do anything. Worst customer service and inept employees I have ever encountered in my life!

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 2018-02-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I give the vehicle back couldn't afford the payments then when we they said they sold it for less then wat was owed that had to pay and I couldn't then after all these years a debt collector bought it from the company on wat was owed and the debt collector try to tell me if didn't make arrangements would hurt my credit score it never was on my credit report I check it quite often so agreed to make XXXX a month payments so that's why I'm filing this complaint thank you

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 2019-12-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Part of the letter I sent to Wells Fargo Bank in an attempt to resolve the issue : I am writing to you regarding the above matter in which Wells Fargo Bank apparently held/diverted money I deposited into the account of XXXX a customer of Wells Fargo into Collection. The above {$1000.00} was purposely deposited into this account to be used to fund a youth sports team in my home country The XXXX who needed financial support to travel overseas for a competition. They needed help at the last minute because the funds they were expecting got entangled in the bureaucratic government web. I received a call from the team leadership frantically asking for my temporary support until they can get things hatched out. The team was set to travel within a few days. 
Out of love for my country and concern for the youth who would have been devasted had the trip been canceled, I asked for an account in which to deposit the funds through XXXX. The account number of XXXX was given to me by one of the teams managers and we tried to reach out to him to verify details. Once I was given the green light, I disbursed funds from my own account at XXXX  as you already know putting on hold a very important project I was working on. 

It turned that the account holderXXXX owed Wells Fargo some overdraft fees in excess of {$1000.00} and that the account was either suspended or closed. For Wells Fargo to have total disregard of my situation and hold on to these funds because they were deposited into a closed account or one in Collection shows the type of corporation Wells Fargo is. It is illegal to hold my money hostage in a dispute that doesnt involve me. Wells Fargo doesnt have a very reputable name in the public domain and I intend to send my complaint to a reputable news outlet if this situation isnt amicably resolved within 30 days of this letter. {$1000.00} is a lot of money and it was through hard work that I got this money.

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 2023-02-16
Company: EQUIFAX, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted Capital One because of charges on my account and was told by their representative that in order to remedy the situation I first needed to pay off the card in full, which I did. I called back and was informed that what I paid were fraudulent charges that Capital One knew about, which had caused them to issue a new account number several weeks prior. 

My issue now is that, despite being told about the fraud on my account, Capital One has not released the funds I overpaid nor the interest and other fees charged to my account. 

I'm requesting a full refund of approximately {$170.00} be paid to me in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2021 I noticed a delinquent account on my credit report from a company named Capital Accounts and it says original creditors name is XXXX XXXX  XXXX. The amount owed says {$1200.00}. On XX/XX/2021 I wrote them a letter asking to validate the debt and show me some documentation bearing my signature that I owed them a debt. They responded with a letter saying that " Enclosed is the itemization you requested. This account has accrued {$350.00} in back interest and monthly interest for a total balance of {$1200.00}. '' The back page was blank and no itemization or documentation bearing my signature was included in the letter. I wrote them back on XX/XX/2021 as a goodwill to try and obtain the information I was requesting. They responded with another letter stating the itemization I requested was enclosed and I now owed 1251.02 but the page was blank. In another claim # XXXX, this company sent me a copy of my personal protected health information including procedures I may have received and is in violation of HIPPA laws as I never provided this information to them. They also have not given me the requested information of any document bearing my signature stating we have contracted and I owe them a debt.

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 2023-11-06
Company: WLCC
State: CA
Product: Credit reporting 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:
Someone has been applying for loans using my social security number that I dont recognize. I have been getting emails from Explore Credit and phone calls about an approved application for a loan of {$800.00} with a 792.82 % interest rate paying back {$5800.00}. 
The banks routing number I do not recognize. 
Lender is WLCC lending located at XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX  ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: AMA Advisors, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried to make the payments on line but, I am behind on my payments and they will only let me fill out a form for hardship. If I call then there will be a fee for calling in to make the payment.I have not filed bankruptcy and would like to keep up on things when i fall behind

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
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: Account information incorrect

Complaint:
XX/XX/XXXX, Experian recommend I get a new XXXX credit card, my credit score was XXXX. 
XX/XX/XXXX, I get my 4th credit card from XXXX. 
XX/XX/XXXX, my XXXX XXXX drops XXXX -> XXXX. 
Reason Experian gives is new credit and change of address. 
I changed my address in XX/XX/XXXX. 
XX/XX/XXXX, canceled my paid membership of XXXX dollars a month paid to Experian to monitor credit since XXXX. 
XX/XX/XXXX, filed a dispute with Experian about a XXXX late payment issue on XX/XX/XXXX, after talking with XXXX and XXXX claimed they had no such record. 
XX/XX/XXXX, Experian drops my credit score by 17 points.

So this year my credit score has gone from XXXX -> XXXX What is going on here?

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 2021-02-01
Company: EQUIFAX, INC.
State: NV
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:
Equifax Has a company XXXX XXXX XXXX XXXX XXXX on my credit file XXXX/XXXX/2020 that i did not agree to or sign nothing saying run any type of credit Soft/Hard or agree to terms. XXXX XXXX XXXX XXXX seems to be doing fraud to rent there cars. I need the contract that XXXX XXXX XXXX shows me agreeing to terms not some verbal reply or some reply in words to this issue. 
I'm also filing a US Attorney Complaint and will be filing a law suit on EquifaxXXXX XXXX XXXX XXXX in regards to there XXXX XXXX XXXXXXXX contracts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2015-12-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I am an American Express ( AMEX ) customer. Prior to XXXX 2015, I made a hotel reservation through the AMEX XXXX ( XXXX ) web portal. Sometime in XXXX 2015, AMEX revised and remodeled the XXXX web portal in a manner that made prior reservations inaccessible to its customers and its AMEX Travel customer service unit. I was advised by AMEX Travel personnel that my reservation was irretrievable. Accordingly, I was led to believe my reservation was purged, erased and/or " lost. '' Months later I was charged a " no-show '' penalty by the hotel because it alleges the reservation was never cancelled, despite representations by AMEX travel that the reservation was " lost. '' I disputed the charge and AMEX has insisted that it is a valid charge. AMEX has consistently refused to acknowledge its responsibility for the penalty charge. I incurred the charge as a result of AMEX 's profound negligence, or as the result of a conspiracy of AMEX and its hotel partners to defraud and deceive its customers and impose frivolous, fraudulently incurred penalty charges when no services were rendered. I was given no opportunity to avoid imposition of such fraudulent charges. I have attached a letter I sent to AMEX that provides background on how AMEX 's negligent and/or fraudulent conduct resulted in an unlawful penalty charge that I was required to pay just to protect my consumer credit profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: CITIBANK, N.A.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday the XXXX of XXXX I opened a checking account online with Citibank i deposited a {$370.00} cashiers check issued to me from XXXX XXXX the check was cleared and available the next day on XXXX XXXX I proceeded to wire transfer {$340.00} out and later that day I received a message that the transfer was cancelled it advised they could not reach me for further verification but I never received a call, email or text then later in the day I tried logging into the account again and I was locked out so I called the XXXX number and they looked into it and said that the check was fraudulent so I called XXXX XXXX and they said the check was cashed and deposited and there wasn't any problem as far as fraud so I called Citibank back and they finally got me to another dept. that after a long hold told me Citibank no longer wanted to do business with me and that I would receive a letter in and any remaining balance in 30 to 60 days i tried to explain that there must be a mistake and unfortunately I don't have these peoples names because I could barely understand them but i got no where I then went on XXXX and actually got a customer service rep from the states to call me her name was XXXX she looked into it and advised the same thing and also said 30 to 60 days and a refund if there was anything to refund I said well how could there not be a refund to the entire amount when I was blocked from having access 2 days after I opened the account? they will not tell me why they think its fraud I have offered any identification or anything else if there was doubt about who I am but i don't understand why they cashed if it was fraudulent which it wasn't now I have spoken with a number of people who are saying they do this a lot. Holding my funds for 30 to 60 days is unheard of especially when there isnt any fraud.

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 2020-01-23
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a letter from this collecting agency - MiraMed Revenue Group dated on XX/XX/XXXX ( but I was abroad for vacation so I did not receive this letter until XX/XX/XXXX ). The letter tried to collect a medical bill that I am not aware of, I have been disputing with the medical provider, and I have submitted a complaint against the provider to Illinois Department of Public Health. 
The letter claimed that if I do not submit payment of the billed amount to this collector, they will damage my credit score.

In addition, this collector keeps calling my phone with robot message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: SUNTRUST BANKS, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Two weeks ago I opened an account with Suntrust bank online. The {$100.00} initially deposited was returned. I also deposited a {$490.00} which was also returned. When I attempted to use the online app I instructed to call the bank which I did. I was informed that the account was closed that was on XX/XX/2019. I immediately called social security regarding my direct deposit to this bank. I was informed that they would not be able to re-route my check, however if the account is closed it will be returned to social security and they would then be able to route it to a different account. On XX/XX/XXXX I received a new PIN number for a new debit card that was on the way. On XX/XX/XXXX I received the debit card and activated it. I called the bank and was informed I did have an account and that my social security deposit would be available on XX/XX/XXXX. Today I contacted the Suntrust bank and was informed that I would not have access to the funds. The funds were verified that it was at the bank. They informed me that when they decide to close that account again I would receive a check in 7-10 days. Im retired and use my monthly check to pay my rent. If I am unable to access my funds that they are holding I will be unable to pay my rent and will be evicted. I called Suntrust back and asked to speak to a supervisor. He informed that they did in fact have the funds. I asked if I would have access to the funds on XX/XX/XXXX. I was informed they couldnt say for sure. Im in desperate need of my funds and Suntrust is not able to give a yes or no answer and suggested I contact them on XX/XX/XXXX. 
I do not see any reason why I can not access funds that they are holding. Suntrust does not seem to know whats going on or when I will receive my funds. Im begging for immediate assistance in this matter.

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 2020-01-23
Company: Sherloq Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call XX/XX/XXXX from Sherloq Financial, a debt collection agency, in reference to a medical debt of {$70.00} owed to XXXX XXXX XXXX. The debt was created in XX/XX/XXXX. The agent at Sherloq Financial stated that her notes showed that XXXX XXXX XXXX has been sending bills ( for over two years ) to an address I moved from in XX/XX/XXXX. The phone number on file is correct. My complaint is that they have been sending bills to the wrong address for over two years and never made any other attempts to contact me regarding the outstanding debt ( given they have had my correct phone number on file for this time ), and then forwarded my debt to a collections agency. This escalation was completely unnecessary given that XXXX could have simply called me by telephone to inquire about a change in address after not receiving any response from me for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Because of this identity theft it has ruined my life those creditwise and the mental toll it is taken on me the debt is for over XXXX for a cellular phone service with XXXX XXXX I have turned in every single police report the FTC reports the IRS reports and it addition the report of the gentleman who opened these accounts and stole my identity during the XXXX breach has been arrested I still get hit with delinquent notices on my credit report every month and I just keep getting the emails from the credit people who the debt was sold to and they want {$2700.00} and they keep saying oh well these are different ways you can pay off the debt but the debt isn't mine and I've done everything to prove this to be the case I've done three different disputes with the credit agency nothing is helping it is not my debt

Company response to consumer: Closed with explanation