BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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: Card was charged for something you did not purchase with the card

Complaint:
This complaint is related to Complaint # XXXX. 

On XX/XX/2019, XXXX XXXX ( Walmart ) pulled an unauthorized amount of {$300.00} from my XXXX  checking account. As of today, XXXX XXXX  has told me that they can not locate the payment that they pulled from my bank account on XX/XX/2019. I called my bank, XXXX XXXX, and reported this issue and asked that this payment be reversed. That unauthorized transaction was reversed from my bank. As a result, XXXX XXXX  has added the {$300.00} to my account as a charge, although they say they couldn't locate the XX/XX/2019 transaction. Plus, now they've added a late charge to my account in the amount of {$27.00} and I've never made a late payment. 

My Walmart account was transferred to Capital One on XX/XX/2019. Per my conversation with Capital One personnel and one of the letters that I've received from XXXX XXXX, they keep erroneously referring to the {$300.00} payment amount that I did authorized on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
disputed debt from debt collector ( Perfection collection) and XXXX XXXX. sent letters to debt collectors on XXXX XXXX, 2017 asking for validation of debt. have not received any response back. I do not and have never had a contract with perfection collection or XXXX XXXX. the debt is not mine and its unverifiable. please delete and remove from all three credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I attempted to check my eligibility and subsequently submit a claim based on the Equifax Data Breach Settlement. None of the websites that I tried, including two links on the Federal Trade Commission website, opened or even worked. All attempts resulted in error messages that the sites were not functional. I believe this to be a deliberate attempt to discourage and prevent people from collecting settlement payments that they are entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: MD
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:
Experian, XXXX XXXX, and EXXXX dropped my credit score by approximately 70 points in one week after what they say was a creditor re-reporting negative info on an old debt on my report on XX/XX/2019. I called to find out how is it determined how may points are deleted and is it the same for all people. No one knew the answer. They said a computer determines the number of points. I also asked if the negative info was revesed would the same number of points deleted be restored. No one knew the answer. This is unacceptable and unfair to people of color. I suspect that the calculations for credit score decreases are not equal amongst black and white people. In my case, I want my approximate 70 points restored at the moment the credit buresus receive the reversal of the negative info that was reported to cause a sevete reduction in my score. I also want to know how the number of points are determined to be added or deleted based on the info reported. This info should not be a secret. This entire process should be fair and equitable. I highly suspect it is not.

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 2019-04-20
Company: Experian Information Solutions Inc.
State: MO
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:
After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a XXXX., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.

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 2021-09-10
Company: EQUIFAX, INC.
State: DE
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:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, my co-tenants and I were given a bill from our previous apartment complex ( XXXX XXXXXXXX XXXX ) to the sum of {$1000.00} for damages and cleaning fees. This amount was owed after our deposit had been kept and used for some of the costs. Payments were made on this debt in the amounts of {$300.00} on XX/XX/XXXX, and {$200.00} on XX/XX/XXXX, Leaving us with a remaining balance of {$520.00}. 

We stopped making payments after those XXXX were submitted and understandably the debt was then sent to Wakefield Payment Solutions for debt collection. On XX/XX/XXXX Wakefield began reaching out to only myself asking for payment in the amount of {$1100.00}. This is more than double the amount we still owed when this debt was sent off, and it is also more than we owed to the apartment complex originally. 

I am the only one of four names attached to this debt that has been affected by this collections account, and no written confirmation of the debt was ever recieved by any of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: AmeriCollect
State: FL
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 just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. AmeriCollect 3. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have like more than XXXX dollars currently invested in my coin base account. 
They have suspended my account without any prior intimation or reason, it has been more than 2 weeks. 
I am not able to check what and where my money is. They dont have any customer support. They do n't pick up the customer support number. Their customer support email is in active. 
The transactions are n't reverting back to my linked checkin account too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: NCB Management Services Inc.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am having an issue with a debt which is being reported on my consumer credit files, I have tried multiple times to explain that the account is a mixed file issue, as it is not mine. The company keeps saying they have validated the debt but have not shown me what this validation is. 

Furthermore, both the company and a collection agency they have hired are both actively reporting my file as flagged and active in collection. I am seeking help in this matter to mediate the problem and have the company comply with the FCRA and provide an investigation, provide me with documentation or other material. I am asking for a review of the matter so that I can get some help getting this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: GA
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:
ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: CITIBANK, N.A.
State: MD
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:
I submitted this complaint back in XX/XX/XXXXand never heard anything from CFPB. I even called on several occasions. 

In XX/XX/XXXX a Sears representative came to my house to do a presentation to install ( 6 ) windows ( 1 ) entry door and ( 1 ) patio door. The presentation went well and all the paperwork prepared and my credit was ran through their ( Sears ) credit company. Everything went through and I was told my monthly payments would be extended out to avoid hardship and the monthly payments would be some where around {$140.00}. The first bill came in at {$3900.00} no interest charged ; which was explained at the time of purchase ( XX/XX/XXXX ). Mine you the contract to purchase the windows and doors were {$13000.00}. The first payment paid was {$80.00} on the {$3900.00} which should have been applied to the first invoice. All payments are paid at the Sears store in XXXX, MD. The second payment made was {$280.00} and the third payment was {$270.00}. It 's a mess.The XX/XX/XXXX invoice came in with a payment due of {$370.00}. Without my knowledge Sears ran my credit a second time through Citibank. I was never told the first pull was unsuccessful. I was billed for two separate purchases when only one purchase was made. I tried talking to Sears and Citibank as I was willing to pay the {$270.00} a month but they did not want to hear that or negotiate a lesser payment. Citibank wanted their {$370.00} monthly payment. I called Sears and was told since Citibank had paid the purchase amount in full Sears had nothing more to do with it. They washed their hands of the situation. I think Sears goal is to reel in their consumers through their promotions, run the consumers credit through their credit company and even if the consumer is approved through their credit company Sears still will run the consumers credit through Citibank just to collect their payment in full. Sounds like a scam in a great disguise. Very, very, very unhappy consumer.

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 2019-10-15
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX The Company Macys was Contacted in Question to a hard inquiry I summited information by fax and the company never responded to the Inquire XX/XX/2018 2018

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 2019-10-15
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Associated credit services is claiming that I owe them {$940.00}, since they say that I owe them this amount, I want to see the original contract bearing my signature. This is not a refusal to pay but I want to see proof that this debt belongs to me, the FCRA allows me by law to ask for this proof, if this proof cant be provided to me, then I want this account closed and deleted. I dont want a breakdown of any payments made or any account statements, that is not enough to validate this debt. I dont recall owing any money to this or any other company, if I ever signed a contract with Associated credit services where I agreed to pay them this amount of money then I would also like them to provide it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: NY
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 victim of identity theft as stated before, and I am NOT a credit repair agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection for XXXX from XXXX XXXX XXXX. I 've never heard or have done any business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Merchant has scammed me, I will attached a pdf with the full details of the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: OneMain Finance Corporation
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One Main is reporting late notations for XX/XX/21, XX/XX/21, XX/XX/21 and I ask that they please remove them. Due to the unforseen events with Covid cases spiking up again, my job hasn't been offering employees their full hours and it has really impacted me. I struggled for a little to get my budget where it needs to be and had to go a few months to just pay necessities. I ask that One Main please make a goodwill exception and remove the late notations this XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: EQUIFAX, INC.
State: VA
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 XXXX/XXXX/XXXX I discovered XXXX XXXX, XXXX has been re-inserted into my credit file after being removed. I was not notified within XXXX XXXX XXXX XXXX days of re-inserting a previously deleted item. I did not receive any such notification. 
This account was reported on XXXX/XXXX/XXXX to Better Business Bureau and it was removed from credit report after results of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Final Payoff of HELOC Account Number XXXX To Whom This May Concern : I am reaching out to the CFPB since I recently paid off our Home Equity Line of Credit ( HELOC ) with the life insurance payment from my husbands XXXX. 
Much to my surprise, Wells Fargo also charged me the accrued interest of {$520.00} ( 28-days ), and required I pay this monthly interest, which was included in the final HELOC payment. Additionally, an automatic, system-generated payment of {$510.00} was deducted from my checking account. Essentially two interest payments were made, totaling {$1000.00}. 
The final payoff balance and interest information was obtained from XXXX at the Wells Fargo HELOC Customer Care Line XXXX. 
Reference Number : XXXX Date Amount Explanation XX/XX/XXXX {$160000.00} HELOC Principal Balance Appearing Online XX/XX/XXXX {$18.00} Interest Accrued Daily XX/XX/XXXX {$10.00} Recording Fee XX/XX/XXXX {$520.00} Interest Payment ( 28-days ) charged ; included in the final payoff figure XX/XX/XXXX {$160000.00} Final Payoff Balance obtained via Wells Fargo HELOC Customer Care Line XXXX XX/XX/XXXX {$510.00} Automatic, system-generated payment deducted from checking account I made the final HELOC payment of {$160000.00} on XX/XX/XXXX. Not only was an interest payment of {$520.00} included in the final HELOC payoff figure, an automatic, system generated payment of {$510.00} was deducted from my checking account four days before on XX/XX/XXXX. 
I am requesting a refund of {$1000.00} which is comprised of : {$520.00}. XXXX interest payment ; included in the final HELOC payoff figure {$510.00}, automatically deducted payment from checking account. 
I understand there is a {$10.00} recording fee, and I am fine with paying the recording fee, however this additional {$520.00}. XXXX interest payment, and the automatic deduction of {$510.00} totaling {$1000.00} should be reimbursed to me. If a car loan is paid off, the principal balance is paid in full ; a monthly car loan payment is not required in addition to paying off the loan. 
We have been loyal customers of Wells Fargo, and have done all our banking with them since XX/XX/XXXX. I should not have to pay a monthly interest payment when I am paying off our HELOC, especially due to the extenuating circumstances of my husbands XXXX. These interest payments should be reimbursed to me. 
What is the CFPBs stance on this situation? Is Wells Fargo justified to charge a monthly interest payment when a substantial loan is being paid off in full? There is not supposed to be any pre-payment-penalty. Enforcing payment of the monthly interest, is as if I am being penalized for paying off the HELOC.

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 2019-10-15
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
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 status incorrect

Complaint:
Union Bank is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with union bank in XX/XX/2018. please remove this from my account.

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