BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I emailed the company ( DailyOm ) 2x to ask them to issue a credit for a class I paid for and didn't wish to take. I sent the first email minutes after signing up for it after I read the outline and decided it wasn't for me. The class is only {$15.00}, but I've read a number of other complaints on line with the same issue, so I'm seeing a pattern. And they never even responded to my emails. I then contacted Barclays, the credit company I used. I called 2x and waited both times 40 mins and nobody ever came on. I tried a third time and after 10 mins I couldn't take it any more.

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 2018-02-01
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2018 I got an email telling me that CAPIO PARTNERS LLC. had reported the I had a bill with them. I have never entered into any contract with this company. they have never called me or sent me anything in the mail about this account. they can not give me a copy of any contract that I have signed with them. they refuse to provide information necessary for me to even confirm the debt. yet they try to demand money from me without a signed binding contract between parties. I have also filed an complaint with the BBB complaint # XXXX CAPIO PARTNERS LLC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, XXXX on XX/XX/19 has not validated the XXXX account and has failed to respond within allotted reporting time. In addition they are trying to collect on incorrect amount. 


process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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:
I am a member at the XXXX XXXX XXXX XXXX in XXXX XXXX, Florida. The credit union mistakingly, and without my knowledge, reported a charge off from an account that I was not privy to. I went to the credit union and they admitted their mistake and said they had removed the error from their end. I also sent a dispute to Experian to erase this error. With the dispute I included a letter from the credit union stating that it was in error and should be removed. IN UNDER 24 HOURS, Experian sent me their findings that the error in question was verified by the credit union as legitimate. This is impossible as I went to the credit union in question, and they told me that this was definitely a mistake and then they issued me a letter of explanation to send to Experian, XXXX  and XXXX to get this erroneous entry off of my credit report. I did all of these things yet Experian denied this. With thousands of complaints coming into Experian weekly, I find it odd that they handled my claim in under 24 hours, even when their website states it could take up to 30 days. It would appear that whoever was tasked to handle my case just pencil whipped the results without calling anyone. How in the world can these credit reporting agencies have THIS MUCH POWER yet they answer to nobody?!? There is nobody at Experian a consumer can speak with, you must go theough their dispute resolution office which is completely unhelpful. They should be shut down. 

Additionally, I have sent them paper copies of everything via the US postal service which they probably havent received yet. I have also contacted XXXX  and XXXX  but their dispute investigation ( s ) have not been completed yet.

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 2021-09-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I understood that Wells Fargo would stop the repeated problem with my name and multiple addresses and identity theft, but I was wrong. I have spent 100+ hours trying to get WFC to fix their problem. Last week I thought it was over, but I continue to eventually receive mail, with my name, that goes to an address where I never lived. I have tried, since 2014! It was my understanding that accepting the $ would finally stop the Wells Fargo HARASSMENT. It has not. I have worked with XXXX ( she is great ) and she thinks it is a problem at the retail store level. I went to the retail store and the issue was " escalated. '' But the problems continue. I do not have any accounts with Well Fargo and do not want any mailings, especially going to the wrong address. I refused to give the branch a copy of my drivers license. BTW, the branch Manager did a good job in trying to help and it certainly is not his fault. In addition to the mail from Wells Fargo, last evening, I received a text from Wells Fargo Card Services about " suspicious transactions '' about my debit card that I do not have??? Very few have this phone number but once I gave it to the local WF Branch, now it appears to be compromised.

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 2018-08-10
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I went to a Western Union office in a XXXX XXXX # XXXX in XXXX, AZ with cash to send to XXXX for some glass bottles for my perfume business. XXXX entered all the information on his terminal. ( XX/XX/18 ) I gave him my passport and driver 's license for identification. When he had it all entered and I proofed the entry I gave him {$2300.00} in cash. He gave me the store receipt for the cash I gave him and the terminal receipt. I was just about to leave when he said, " Wait, they placed HOLD on your account. We need to call XXXX and you need to answer a few questions before they send the money. '' Then we called and they put us on hold for 45 minutes. We gave up thinking they forgot us -- called back and after about 10 minutes they picked up. We explained that I needed to answer some questions before they'd send the money. They said, there is no supervisor here right now -- we will call you back in 2-3 hours. No one returned the call. The next morning I called the number and was on hold 1:12 minutes before I gave up and decided to head back to the store. They listened to my problem and called the phone number they had which was the same as mine -- waited again on hold for 45 minutes. Hung up tried a different phone number the store had -- waited explained what we needed -- put us on hold again. Spent a total of an hour there getting no answers. I asked to speak with the store manager : XXXX. She said she could do nothing about the loss of my money and I would have to take it up with Western Union. I'm frustrated as I can't email them -- and all they do is put me on hold for hours. It's like they are holding my money hostage. I've never used Western Union before and will never use them again. But I deserve to get my cash back as I got no service for fees rendered and much distress. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Innovate Managed Holdings, LLC
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting rolling multiple lates on my account. I have not received any statements or any phone calls from Innovate to inform me of any lates. I thought my payments were being made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been contacted by the attorneys for Nationstar Mortgage aka Mr. Cooper. There has been a motion filed to collect a mortgage debt on my XXXX XXXX mortgage. I am currently in chapter 13 and they have filed for a stay. I had no knowledge of nor did I sign anything having to do with that property. No amount of explanation has resulted in anyone listening to what I can prove. I now must incur legal fees I obviously cant afford to defend against this. My father has been dead more than five years a fact that they could easily verify. I am XXXX and in bankruptcy! I consider this unfair prosecution. Im being harassed by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX, XXXX, PA XXXX. The fact that a company that can recover losses on a mortgage via foreclosure and mortgage insurance amplified the unbelievable greed of this company. I may have been related but I am not responsible for a debt I did not incur or know about! Nothing has been done thus far to prevent these kind of unfair mortgage lender practices. 
Sincerely frustrated, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
{$550.00} XX/XX/XXXX {$200.00} XX/XX/XXXX I have requested this company to send copies of Agreement with your client that authorizes you to collect on this alleged debt.

Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

They have not reached back out to me within 30 days. Therefore these debts are indeed invalid and inaccurate. please remove and delete this immediately. A copy of my FTC will be attahed.

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 2018-08-10
Company: STERLING JEWELERS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been attempting to negotiate a settlement with XXXX XXXX for some time now, and each time I call I am told that they will not ever correct my credit report if I settled with them in full. 
I currently owe them {$830.00} which I am trying to pay under the condition that they report my account is satisfied in full and they remove the charge off as every other bank has while I have been repairing my credit. XXXX simply refuses to assist and offers no incentive to satisfy the debt owed. I am trying to fix my credit but have hit a wall of non compliance from XXXX who has never provided me with any written information or solution to settle my debt with them. I am in desperate need of help. 
I have been trying to resolve this since 2016 when my home was burgled and the purchase product was stolen and never recovered by law enforcement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX is reporting incorrectly to Experian a past due amount of {$6400.00} on the XXXX XXXX XXXXL account number XXXX. This account is currently coded as an I9 and needs to be coded as an I1 and needs to be reported as {$0.00} balance and {$0.00} past due. This account is completely unsubstantiated and was opened fraudulently. I was a small business owner and was lied to and aggressively pursued by a salesman representing XXXX XXXX XXXX. I was told by the leasing agent for the company that I could at anytime within ( 48 ) hours void the lease agreement by simply calling the company back, or I could get out of the contract if I closed my business. I decided shortly thereafter that I did not want to commit to XXXX XXXX XXXX and immediately tried to reach the salesman to cancel the contract. I left numerous voice mail messages as well as email messages to cancel the contract. I never received a telephone call and/or an email response within the ( 48 ) hour time frame. This stalling tactic conveniently exceeded the ( 48 ) hours to cancel this account. This was malicious and on-purpose! I later found out that the documents I allegedly signed were forged. These documents I supposedly signed outlined the cancellation policy, etc. Having never seen and/or had an opportunity to read the documents, I would not have been aware of their underhanded way of doing business. I made the dire mistake of taking the salesman at his word and believing what he told me to be true. I have attached a copy of the multi-million dollar class action lawsuit filed against XXXX XXXX XXXX. This is further evidence that their illegal practice of duping small business owners was, in fact, illegal and fraudulent. I request that Experian remove this line item from my credit report and/or change the coding to an I1 and accurately report a {$0.00} balance and {$0.00} past due. I have tried to contact both XXXX XXXX XXXX and Experian to fix this however, I have not been successful. This incorrect reporting is harming my credit score.

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 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I have submitted a debt validation letter I have also submitted an cease and desist letter to Capital one and they have yet to validate this alleged debt on my consumer reports. And to cease all communication and consumer reporting on a debt they can not validate. They have sent a request for me to submit information such as an account number but in this exhibit c it will show proof that they have an account number that they assumed is my debt which is proof that they are fraudulent reporting a debt that is not mine on my consumer reports. It clearly states in their letter Capital One account ending in XXXX with my name on it as my alleged debt. How can they assume an account number belongs to me if they cant validate that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive about 3 calls a day. Today I received a call at XXXX XXXX, XXXX XXXX, and XXXX XXXX  which wasn't even 2 hours apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I payed for a service that I did not receive. {$70.00} XX/XX/XXXX to someone named XXXX with the email XXXX thru my Bank of America app that uses XXXX. He told me the next day ( XX/XX/XXXX ) that he did not receive it and if I wanted I could resend him the money so he could start and that when it comes in he would send me my money back. Therefor I sent him {$70.00} again XX/XX/XXXX after which I did not get the service and was no longer able to contact him. I then went thru Bank of America to get the money back in which I was informed that they could not get the money back and that there was no fraud protection for me. They did infomed me that they would try to get the money back by contacting the other persons bank, XXXX. There was no warning or disclaimer that this could happen as such I believed that my bank ( Bank of America ) and XXXX ( since my bank was backing them ) would provide basic protections just like 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 2021-09-20
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
WAYFAIR MUST UPDATE MY NEW ADDRESS ON THE CARD AND ALL BUREAUS TO REFLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Once again, Machol & Johannes has failed to send me the paperwork required by Colorado state law. They garnished my bank account on Monday, XX/XX/XXXX. By Saturday, XX/XX/XXXX - MORE THAN A MONTH LATER - they still had not sent the proper notification and exemption form so that I could fight it in court. Now the deadline has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage company in XXXX and they agreed to the forbearance for XXXX and XXXX but they are telling me a lump sum will be due in XXXX. They sent another email as shown below. When I called they were only authorizing the forebearance with balloon payment due in XXXX with no additional offerings. 

Information Regarding COVID-19 You previously informed us of your inability to make your monthly mortgage payment as a result of impact from COVID-19. We want to stay in touch to identify any changes to your circumstances as the situation evolves. 

The federal government has issued a reminder that payment relief does not erase what you owe you will have to repay any missed or reduced payments in the future. If you can pay your mortgage payment you should continue to do so. Each payment you make will reduce the total outstanding balance due later. 

You can resume making payments at any time while still receiving protection from late charges and negative credit reporting. You do not need to cancel your payment relief agreement in order to start making payments. 

To resume making payments, simply log in to your account at www.spservicing.com and select the make a payment option, or call one of our Customer Care Experts at ( XXXX ) XXXX. As always your other payment options are also available through bill pay at your bank, XXXX XXXX, or mail your payment to the address below. 

Payment Address : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Customer Care Experts are available Monday through Thursday between the hours of XXXX XXXX. and XXXX XXXX., Friday from XXXX XXXX. to XXXX XXXX., and Saturday from XXXX XXXX. to XXXX XXXX., Eastern Time.

Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation