BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
WELLS FARGO Fraud on my card and checking account cause credit reporting problems to all the bureaus and agencies resulting in low credit scores and unable to further have finances to operate business as normal. The amount is a XXXX and I've been dealing with this fraud claims with Wells Fargo the original claim date is XX/XX/2020. Wells Fargo close my account and then sent me a letter A year later stating that they're going to reopen my account every time I call in reference with my claim number they tell me sorry your account has been closed and we can not help you but then I will call hours later I speak to someone else from Wells Fargo and they will read my file and tell me this has to do with the high dollar claims team and we will contact you if not they will contact you within 2 to 3 business days this has been going on for about a year and a half due to covid my business doors had to shut and currently in a shelter and have lost everything because of this ongoing claim that Wells Fargo will not solve or resolve thank you please have a blessed day contact me atXXXX  XXXX PLEASE HELP ME

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 2020-05-08
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Messerli & Kraimer is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX  for an XXXX   account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month. 

1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to XXXX XXXX stating the don't have that authority. 

2. When i called XXXX XXXX asking for the same thing, they sent me back to Messerli & Kramer stating the account is no longer in their hands. 

3. I submitted an offer to Messerli * Kramer on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from Messerli & Kramer stating i have two weeks to respond before they start a discovery and file in court. 

5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau. 

I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between XXXX XXXX & Messerli- Kramer . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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: Old information reappears or never goes away

Complaint:
I am sending this complaint because Equifax is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. 


Equifax must stop reporting this account as soon as possible. 

Please see attached proof of case won.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CBC Companies, 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:
Duplicate info found in Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Exact info, including date, is listed twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: MN
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:
As of XX/XX/XXXX, according to my my XXXX Bank. Credit report, I have dropped XXXX points. The data is supplied to XXXX XXXX site by Experian. I contacted Experian for a response, and was told that there system showed an XXXX max XXXX score. The XXXX Bank is an almagamation of XXXX credit bureau, using a XXXX XXXX. The rating encompasses a larger number span, abet in my case my score should not have dropped to that extreme, moving me from an exceptional credit status to a good credit status. This has happened recently, with any rationale, only to have the points reinstated, to include extra points. I have made efforts to contact the customer service area, but get only automated prompts, that live customer service is unavailable. I feel, not only Experian, but the credit reporting outlets have gliches in their systems.

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 2021-02-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX, XXXX XXXX, I received an email saying " Hooray, your order is confirmed! '' saying I bought {$470.00} worth of bitcoin through XXXX XXXX which I had not. Then it said " Issue with this transaction? '' call the resolution center at XXXX XXXX XXXX. I did and they offered to put {$500.00} in my checking account ( which they already had access to, unknown to me ) so I agreed out of fear because that account had a lot of money in it due to a recent property sale.They put a screen on my computer called XXXX XXXX and told me to enter {$500.00}. When I did it changed to {$50000.00} and the decimal point disappeared.They acted very upset and said I needed to return the money, directed me how so I did believing I had someone else 's money.What followed was an offer to give me {$2000.00} for my trouble and send a wire transfer to XXXX for {$48000.00}. I was given all the name & banking information to do the transfer so I went to my bank, Wells Fargo, to obtain the wire transfer. My main issue is their knowledge of the bank account number without me telling them ; they said I opened a XXXX account with it XXXX, which I did not. I have filed a local police report, filed a wire transfer claim with Wells Fargo and was told it's too late, I notified XXXX as their logo was at the top of the email & I obtained legal advice.

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 2021-03-03
Company: Shellpoint Partners, LLC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
After switching over from Ditech to Shellpoint I thought that everything would be better. I was wrong. I tried to tell them that Ditech was wrong about the months I was behind. They didnt try to sort out the problem. To make a long story short they dont offer modification. Which is sad because just about everybody has struggled during the pandemic and payments should be brought current to help everybody out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FRANKLIN COLLECTION SV is claiming that I owe them {$920.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: CA
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:
I submitted a previous FTC report to have inquiries removed from my report after my car was brpken into and my wallet was taken. 

the previous FTC report was submitted with errors for the follow inquiries : XXXX XX/XX/XXXX DATE SHOULD BE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. DATE SHOULD BE XX/XX/XXXX XXXX XXXX XX/XX/XXXX. DATE SHOULD BE XX/XX/XXXX The report I received Confirmation # XXXX indicates the inquiriy XXXX  XXXX/XXXX/XXXX was deleted but the inquiry is still present on the report. There's another date for the same inquiry that should be deleted as well : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hunter Warfield company been contacted me and my family several time to collect the pending due for balance submitted by home leasing company ( XXXX XXXX  ) we were staying there. 
I told them that the home rental property is charging us unnecessary money and we did pay the one month penalty while leaving the apartment. But Hunter Warfield collecting company continusaly harrased us and troubled us in this kind of COVID-19 situation where people are struggling to live for life. I explained them my situation but they did kept calling without understanding our job, family and financial situation. Now they have reported to credit companies which cause damage to our credit history. I want them to remove negative mark to our credit report, this will struggle us a lot. We hope you make them to track back negative reporting to credit companies. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The bankruptcy listed needs to be removed, along with the one account listed.

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 2021-04-12
Company: JPMORGAN CHASE & CO.
State: VA
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:
On XX/XX/XXXX, made purchase of XXXX XXXX Ticket Number XXXX in the amount of {$220.00}. Dispute was initiated for same on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX made refund to card for a different ticket number ( XXXX ) and amount ( {$220.00} ). However, because the ticket numbers both end in same last XXXX digits, Chase Bank erroneous believed that I had both been credited from the dispute and via refund from merchant, XXXX XXXX, and rebilled my account for {$220.00}. 

Upon attempting to utilize XXXX XXXX Ticket Number XXXX, on XX/XX/XXXX, merchant advised that the ticket was in a dispute status and could not be utilized. Therefore, because of Chase Banks erroneous rebilling, as merchants refund received was for ticket number XXXX, not the disputed ticket number XXXX I am requesting that this amount ( {$220.00} ) be credited to my account - the amount paid for XXXX XXXX Ticket Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Victim of ATM skimming fraud on international ATM withdrawal. Bank is not supporting claim. Reported fraud within 30 minutes of issue. Original claim denied. Second claim opened to appeal decision and denied. Wells Fargo is not doing thorough fraud investigations.

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 2020-11-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a CITI public checking account promotion in early XXXX for XXXX dollar bonus if depositing XXXX within 30 days and maintain balance for 60 days. I waited patiently for entire waiting period ( up to 90 days after meeting criteria ) and checked with CITI customer representative a couple of times during that period to confirm my eligibility for the welcome bonus. 

However, right after my 90-day waiting period, I still didn't get the bonus and opened a case with CITI. After investigation, CITI claimed that I am actually not eligible for the bonus due to a targeted promo code they claimed attached to my account even I fulfilled all the requirements. I pointed it out to CITI that I signed up for a public offer which doesn't require any promo code but they insist that I signed up for a targeted promotion regardless their customer representative confirmed my eligibility for welcome bonus numerous times. 

I was asked by CITI to provide promotion disclosure after 6 months I signed up for the account to prove myself truly eligible for the promotion which I found is ridiculous. They can simply deny the promo they ran by themselves by claiming a targeted promo code that was attached to a customer account without any proof meanwhile expecting their customer to keep all the evidence. I also feel disgusted by the way how CITI holds a customer 's hope for as long as 6 months by having representative keep assuring customer 's eligibility then tell customer he/she is actually not eligible for the promo at last minute.

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 2021-09-05
Company: BAM Management US Holdings Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
In XXXX my friend and I had made a deal and he send me XXXX XXXX coin approximately valued at XXXX XXXX He sent it from his binance account to mine but messed up the MEMO order. After seeing I didnt receive this transaction I reached out to Binance.US support and finally after week got a response. Finally they asked for all the details screenshot, and actual videos of me and the sender to prove I was the correct recipient. Finally they told me that the XXXX would be credited to my account! Ive been waiting and waiting and now 1.5 months later and me being unable to get them to reply to any of my messages or emails to figure out whats going on! Please help me Ive filed with SEC, FTC and now here please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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: Their investigation did not fix an error on your report

Complaint:
The credit bureau was sent a letter requesting verification according to FRCA 611 ( method of verification ) of several items on my credit report. You want sufficient proof FCRA procedures were followed and proper steps were taken to verify the dispute as accurate. I have not received the written verification. I would like to see a complete list of all documents and correspondence with. The 15-day window has expired.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX reporting fraudulent accounts as open and closed on my credit report

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 2021-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A response to a complaint received XX/XX/2021 from portfolio recovery did not prove any validation as requested. Portfolio recovery failed to provide proof of a debt belonging to me. My name and social security trust account number does not provide proof that this alleged debt is who you claim it is.XXXX A debt is an alleged obligation and your company failed to provide a autographed original contract/agreement. Just because your company bought a debt and failed to do your due diligences in proper validation does not make this account mine. Further more, there is a significant amount of XXXX XXXX XXXX billing errors connected to the attachment ( exhibit A ) coupon provided to the cfpb complaint. And Im sure the original companies ledger shows a similar credit ( connected to this statement coupon ) to their bookkeeping. Your abusive debt practices are abundantly clear, but your companies location is very unclear which is a violation, the attached exhibit A statement states California, and Virginia yet your company standing states Baltimore, its a lot of false and misleading representation XXXX XXXX XXXX and deceptive forms XXXX XXXX XXXX which has me concerned about who your company is and also how many companies have violated my federally protected consumer rights and accessed or sold my personal information without permissible purpose. Portfolio Recovery failed to validate a debt existed as requested and by law must remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Over the last 5 months, I 've asked the Credit Bureaus to Remove all reference to my Liens from my Credit Reports. According to current Law, Effective XXXX XXXX 2017, Lien Notices are required to be removed from Personal Credit Reports.The change by XXXX, XXXX and TransUnion which took effect XX/XX/XXXX, as part of a plan to ensure that consumer identifications in the data are accurate and current, the XXXX XXXX XXXX XXXX, a trade association for the companies When I asked XXXX, Transunion and XXXX, to remove these notations -- from my Credit reports -- theses notations are still there.

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 2021-11-30
Company: EQUIFAX, INC.
State: SC
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 name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under XXXX XXXX XXXX. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation