BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-17
Company: RGS Financial, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.SXXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of Inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern ; My wife and I have a mortgage with Wells Fargo that they have refuse to modify. We have also tried to refinance away from Wells Fargo to no a veil. The last company that we tried to refinance with advised us that Wells Fargo has credit reported over {$17000.00} in the rears which is not true. We were in foreclosure, we brought the loan current last XX/XX/XXXX. I n XX/XX/XXXX of last year Wells Fargo raised our mortaage payment {$400.00} a month. Just last week we received a letter from Wells Fargo that we are over {$8000.00} past due, which again in not ture. We are only 2 payments behind. Our mortgage payment is {$2100.00} a month. We did a loan modification back in XX/XX/XXXX which was a step rate modification which has put us back in the same situation we were in before we modified our mortgage in XX/XX/XXXX. My wife and I want to modify our mortgage so we can afford to stay in our home or refinance away from Wells Fargo with a refinanced mortgage that we can afford to make every month. With our mortgage payment being {$2100.00} a month we are struggling to make the mortgage payment every month, which is why we'very fallen behind again. We are trying to avoid going back into foreclosure again. Wells Fargo has made it with our credit report that no one wants to refinance us and Wells  refuses to modify. We need help, we do not want to loose our home.

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 2018-02-12
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit report and 3 accounts are there from XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX I've asked for VALIDATION of these accounts and only have received a bill stating that they are due

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo ( WF ) Bank suddenly closes my account and took {$7200.00}. Initially due to fraudulent activity, WF is closing the account and WF will return the money in a cashier check within 30 days. But, then after 30 days, WF said they are not going to release the fund and there is no explanation. FYI, 1 ) WF did not give me any warning or did not make any communication prior to closing the account. 
2 ) WF never reached out to me to verify or explain any of the activities. 
3 ) WF loss and prevention center did not explain what and why this fraudulent activity is triggered.

4 ) Upon calling multiple times, WF keeps giving me vague reasoning and changing their words. WF also said they are not going to give me an official letter either. 

Please help me out to get this fund released.

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 2017-12-24
Company: GREAT LAKES
State: MD
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: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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:
On XX/XX/2019 I sent a letter of Method of Verification Request to Experian because they said they would no longer reinvestigate my claims.On XX/XX/2019 I received My Credit Report yet again from Experian with no changes to it and with the same comments.They did not do what I had requested in my letter I had sent by Law.I had previously sent them 3 letters and I had gotten the same results.They claim they verified everything yet I have not seen one single paper with my Signature on it or anything saying its my account who or when it was verified.They are not doing their jobs as they should be and making it harder on those of us who are trying to fix our credit.If you see the attached you will see what I mean.

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 2020-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is closely related to the previous under # XXXX in which Citizens Bank provided fraudulent response. Therefore, in this complaint there are two issues : 1 ) " floating '' interest rate on our credit line secured by our residence is closely related to the Federal Reserve interest rates. Federal Reserve currently reduced interest rate to '0 ' but Citizen 's bank did not reduce its interest rate on our credit line at all, not even for a quarter of percent. Their claim that " new rate of 2.5 % will begin after the XX/XX/2020 was a fraud. The rate is still 4 %. 2 ) Citizen 's bank failed to explain the reason of why the interest for XXXX was {$130.00} and interest for the following month increased to {$140.00} although {$1300.00} was paid towards the principal. No any computation to justify that interest was provided! CFPB should not accept fraudulent responses by the bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Around XX/XX/XXXX I deposited {$190.00} to get a secured credit card from capital one. I waited the 14 business days for the card to arrive and it never showed. Around XX/XX/XXXX I called to have another card shipped, because things happen and I try to be understanding. XX/XX/XXXX rolls around and still no card, I call again and say try sending it to another address I can accept mail from, XX/XX/XXXX appears and still no card. I call capital one again and close my account and ask for a refund, they say it will take 7-14 business days. Today is XX/XX/XXXX, no refund and ANOTHER call was made to capital one, I was immediately re routed to their bot after waiting 10 minutes for this representative. After about 20 minutes of navigating this ridiculous procedure, the bot tells me that my refund will be Mailed in 60-90 days. Im still waiting for a call back and I have doubt that my money is being sent back ( if they cant mail me a card over 4 months, how am I to believe my money will be properly mailed to me? ) 0 out of 5 stars Capital One I thought was one of the better businesses out there and as a small consumer just wanting my money back so I can pay my bills, Im absolutely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Meridian Financial Services, Inc.
State: IN
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:
My grandparents bought a timeshare from XXXX XXXX many decades ago. They let me use it a couple of times. When they died, it was bequested to me. I never accepted it, I never executed any documents, I never received any disclosures. 

I started receiving maintenance bills - which I paid for awhile as a young person because I didn't know any better. Ultimately, I could not afford to pay them and contested. XXXX XXXX claimed I was responsible because the timeshare was willed to me and I paid several bills. I disagreed but could not afford a lawyer to contest. 

Since that time, they continue to bill me then send the unpaid bill to Meridan Financial, which places me in collections every year and reports to credit bureaus. 

I have been turned down for loans and mortgages due to this negative reporting. I have contested with all three credit bureaus but they have not removed the reports, which accumulate on an annual basis.

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 2021-09-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with Ally to apply for a new home purchase mortgage and they purposefully mislead and lied to me on many occasions about my home loan application and hard credit checks.

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 2021-05-05
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 7, 8, and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-12-12
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I made a purchase at XXXX department store. I made a split payment with my prepaid Serve American Express card and Visa card. On XXXX XXXX I returned the merchandise to the store and was issued a refund. In the same method I used to purchase. I was issued the refund on the Visa card immediately however my refund for {$29.00} never was refunded to my account. I contact the card holder and they proceed to tell me I needed to open a dispute. On XX/XX/XXXX I opened a dispute and over 12 days later I received a email to provide the receipt for proof of a refund. I provided a copy of the receipt. On XXXX I received a email from American Express stated my dispute was denied. I called the customer service number numerous time and can never reach a live associate. There is jo one to give me answer to why I'm out of my fund and merchandise. This company has been giving me alot of problems to give me my refund. I have all my paper work to prove I'm due my {$29.00} refund. This company is committing some fraud activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sold the debt to Midland credit management, there was a settlement amount for {$470.00} the account was satisfied on XX/XX/2017 Midland credit management account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 14 checks into the atm for a total of {$73000.00}. The atm malfunctioned and took the checks without applying the checks to the account. This occurred on XX/XX/2021. Today is XX/XX/XXXX and my account still hasnt been credited the checks. 

I called and filed a claim with Wells Fargo right after it happened on XXXX XXXX. I have called the claims department several times since then and I get a different answer from every person I speak with. 

As of now, the bank hasnt deposited the checks and told me it can take up to 90 days. Nobody knows where the checks are and I havent received a confirmation of the location of my checks!! 

They stole my checks and are doing nothing and have done nothing the last two weeks to make it right.

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 2019-04-16
Company: ALLY FINANCIAL INC.
State: WI
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:
In XX/XX/2019 my niece XXXX XXXX, got into an accident without insurance and totaled her 2010 XXXX XXXX, a vehicle that had a loan on it from Ally Financial-XXXX. At the time she did not have insurance coverage on the vehicle and it was totaled in the accident and it is a loss. I contacted Ally, as i am a cosigner on the auto loan # XXXX. XXXX XXXX, a Csr of Ally Financial told me that if i made a payment of {$920.00}, the loan would no longer be past due and Ally would work with me to make monthly payments on the loan to pay it off. Since then, i have been told that the loan is being discharged and sent to collections even thought the loan balance is current and I have tried to make XXXX 's monthly payment. Based on my experience and legal consultation, Ally should have forced placed insurance coverage or required XXXX XXXX- Co-owner, to have insurance on the vehicle as XXXX XXXX had a past history of lapsing her insurance coverage. Neither myself nor XXXX have received any letters or calls from Ally informing us of such action. We should have been contacted and insurance should have been required or placed on the vehicle to protect the collateral in case XXXX did not have appropriate coverage. I am looking into legal consultation for this as I do not feel responsible for the loss of this vehicle as Ally should have taken the appropriate steps to have coverage on the vehicle or Ally needs to work with me to come up with a solution that satisfies all parties.

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 2018-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX   business struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.

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 2019-04-16
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I joined ebay on XXXX, 2018, and set up a paypal account. After numerous sales, paypal decided to close my account due to " risky sale ''. I was notified that my money, XXXX would be held for 180 days and then released to me. I received an email from paypal stating I could access this money but the account will not let me add bank account to transfer money and/or send the money to a family member. I have complained by email twice and received form type responses. I called on two occasions and they have told me that there is nothing they can do. I would like access to my account and money. Thank you for your time and consideration. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recieved a notification in the via XXXX XXXX saying I have collection. 
I never any mail correspondence from the XXXX. 
They say they used a previous address, however, I had moved and have all mail forward to my XXXX XXXX XXXX I've had for 6 years as well as receiving many mail correspondence from other bills without incident. For some reason I never received any forwarded bills from XXXX. 

No contract was made to me to collect debt My address was forwarded I was never called about debt XXXX XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX ( hospital bill org )

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