BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo allowed $ XXXX to be illegally transferred out of our Homeowners Association savings account in XX/XX/2018, by a hacker who stole our XXXX/XXXX identity. Wells refuses to put the funds back in our account even though it is FDIC insured, and the amount had to be reported since it was $ XXXX. They say they need a summons or legal document to pull the IP address of the computer that accessed and transferred the funds. So they want the Association to spend upwards of {$2000.00} to hire an attorney, open a court case and get a subpoena. And all because of their error. This is a small non-profit Homeowners Association. Jumping through all of their hoops would put us in further financial distress. Again, this was the banks error. Wells is being a bully and making us jump through hoops and incur additional expenses all because of their lack of due diligence.

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 2019-08-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I filed a complaint with CFPB in XXXX against American Express, since filing the complaint I only received phone calls from American Express requesting I make payment. None of the Amex callers were aware of my complaint or calling to follow-up with my complaint. To date I have not had contact with American Express regarding my account. Today I check my account to see if it is fixed and it now says my account is closed. I have been with Amex since 2000 and now it says my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: LA
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 sent in several documents to the bureaus about accounts that dont belong to me for the last past months, i have been a victim of identity theft i never recived anything months later nor was the accounts removed, they acting as if i never sent anything in because i didnt get anything from either bureau i tried calling experian cant get through tried to send fax it kept saying line busy, XXXX  i was on hold forever i haven't tried to call XXXX  yet but i did mail off to them also.

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 2021-02-10
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following company I.C Systems has falsely reported a debt not owed on my consumer report. I have contacted the company to resolve issue, they have failed to provide any documentation that we have ever done any business.

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 2018-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the following message but they never notified me of any problem : We have successfully sent the following transfer : ********************************************* Confirmation # : XXXX XXXX number : XXXX Amount : {$7900.00} Fee : XXXX Send on Date : XX/XX/2018 Service : International Transfer status : Complete ********************************************* If there is a problem with executing your request, we will notify you both by email and on the Manage Accounts tab. You can always check your transfer status on the Review Transfer screen at www.bankofamerica.com. 

Sincerely, Member Service www.bankofamerica.com

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 2021-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.

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 2018-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Today XX/XX/2018 My husband and I contacted Chase bank to negotiate a settlement of our credit card balance. We were on the phone for almost 2 hours, transferred to 4 different people and offered a 4 monthly payments of {$8700.00} starting in XXXX which we agreed to, once we requested that they sent us the paperwork to sign, they refused telling us to go visit a credit counseling agency they recommend. We told them we didnt want to talk to a credit agency many times as we had already consulted with an agency and also a debt settlement agency as well that charges fees and will tell us to not make our payments. Repeatedly we told them that we wanted to make the agreed payments and they said that they are not disagreeing but they never agreed either. After two hours on the phone, they hung up on us and nothing was acomplished. This company is a ripoff, they are ripping off the consumer and robbing us of peace of mind and the opportunity of paying off debt. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2019-05-28
Company: Experian Information Solutions Inc.
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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/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 non-monetary relief
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
See attached letter and all paperwork involving the dispute with Capital One Credit card Company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I don't think it is right to continue to charge a monthly fee when a person makes more than the minimum monthly payment. This forces unnecessary debt. 
I have been XXXX and out of work for over a year which is why my account was overdrawn. These predatory techniques should not be allowed let alone on a situation like this. 
I've been trying to bring the balance down but charging $ 15+ a month despite any type of payment isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: TN
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:
credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be deletthese companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My accounts two credit card accounts were showing on the mobile site as past due in late XX/XX/XXXX, although the accounts were current. I called Bank of America and they said there was an issue with their site and they would fix the display. 

The representative deleted the automatic payments that have been recurring for over a decade. I started to get calls from bill collectors. I called again on XX/XX/XXXX to fix this issue. THey promised me that they would reestablish the automatic payments and back dates the payments. That did not happen. I called again on XX/XX/XXXXand they told me that I had to make the payments again and setup the auto pay on line. They put a hold on my account for five days and charged me late fees. They did all of this knowing that their representative deleted the automatic payments. It is exhausting dealing with these people

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 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX   XXXX {$0.00} 4. XXXX  XXXX XXXX -! XXXX 5, XXXX XXXX  - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.

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 2021-04-07
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account with {$1100.00} for no reason in 2020 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AMERISAVE MORTGAGE CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I inquired with AmeriSave about refinancing my home loan. XXXX XXXX, a loan originator with AmeriSave, contacted me and stated he could save me approx. {$150.00} a month on my mortgage with no appraisal needed, but they required a {$500.00} application fee. On XX/XX/2020 I paid that fee and he sent out disclosures and paperwork to sign. I submitted to him via an online portal ( which I can no longer access ) all of my personal documents including paystubs for the previous 2 months, mortgage payoff information, income information, etc. On XX/XX/XXXX, I received a text message from the processor stating it wouldn't be much longer before my loan is closed. Today is XX/XX/XXXX and after multiple attempts via email, text message and phone calls, I have not received a response back. I last spoke with XXXX Thursday, XX/XX/XXXX and have not received a response back from my calls or emails. During that call on XX/XX/XXXX, he stated they could not get a hold of my processor and that he had escalated it with her supervisor and his. I am not sure what is going on with this company, but they stole {$500.00} from me and all of my personal information under the guise of being a legitimate lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently made contact with XXXX XXXX and advised them that was not me. And the supervisor over there was completed rude as well as the customer service department. They want me to send them information about me which they should have if they are stating I was seen at XXXX XXXX for treatment. I have advised them I have Medicaid for years so if I was there or at any facility my bills would've been paid by Medicaid. They can not show many any valid proof that I was seen at those facility. The last representative couldn't even find me in their system by name. I have to provide my social ( which felt very uncomfortable doing that ). The accounts # XXXX & XXXX. This is a collection agency that buys bad debt and try to collect on things that are not valid. This company has some fraudulent activity going on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS COMPANY Sequium DEBT COLLECTOR DID NOT VALIDATE THE DEBT I SENT A CERTIFIED LETTER ON XX/XX/20 GOT NO RESPONSE ALL OF SUDDEN THIS POPPED UP ON MY CREDIT REPORT WITHOUT PROVIDING THE LEGAL INFO I ASKED FOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivables Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. I asked for proof and validation of the debt from Receivables Management, I explained that it was impossible for me to have a bill from their client as I have always had insurance. Receivables Management has failed to act responsibly in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attention dispute department AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation