BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Okay so there is this guy who owes me money for a laptop that cost {$2500.00} and he tried to pay me through XXXX but the payment didnt go through because I didnt have a business account and so he sent a check instead but instead of the check being exactly {$2500.00} he sent me a check of {$12000.00} and told me to go cash it at the atm at my bank which was XXXX and he said to split the XXXX and he keeps XXXX so I went to the bank and tried to deposit the check at the atm and it didnt work at first so I put in XXXX instead of XXXX when I tried to deposit it again and then the check bounced back and the banker told me the check was going to get reversed and then they closed my savings account so after that I went to Wells Fargo and opened a savings and checkings and the guy told me he would be able to wire transfer some money into my checkings so he did and wire transferred And credited my Checkings account with {$1300.00} but I never had any money in any of those accounts yet and so then he told me to send {$1200.00} back to him so I did and after I did that I received a phone call saying my account will close in 10 days and basically all I was trying to do was get my money he owed me because I already sent the brand new laptop And I still havent gotten paid from him and I have Some of his information aswell if yall need it but its been already 3 months Since he hasnt paid me and now when I try to go open a checkings account none of the banks allow me too all because this guy was trying to pay me. And all I was trying to do was get paid because its not fair that I sent him the laptop and I got nothing in return

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 2020-09-05
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2016, I received a bill for {$1400.00} from XXXX XXXX XXXX. I called them because the notice said, " I was going to be disconnected. '' I spoke to representative they gave me an address of XXXX XXXX XXXX. XXXX, Texas XXXX. It was a commercial business named XXXX 's XXXX. I was not successful on speaking to anyone there. So I called XXXX XXXX XXXX and explained to them that it was not me who used this energy & that my residence at the time was XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. They informed me they couldn't do anything about it and that If I didn't pay I would get disconnected. The disconnection came because I could not pay that large amount out of nowhere and ended up having to use a prepaid light company until I paid a deposit for XXXX XXXX  in which they allowed me to split my deposit payment and get regular service. This was a Identity theft. I did once go to a police station by XXXX XXXX near my place of business. I was told that I couldn't file it there and given some info sheet. 

Nothing has been resolved. I have disputed it many times and it has been placed on my credit report regardless. Plus, they have placed it in collections and recently managed to report it as a late payment. I don't know how this is possible since the damage has been done by placing it in collections but still reporting it as late how is it that possible. It's like knowing they won and still kicking me by reporting it late, changing the dates of the " supposed incident '' allowing it to extent and start over, placing it in collections & as much as I dispute I'm being fed to the dogs and no consideration of what this is doing to my credit that affects my life in general.

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 2021-11-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of XXXX XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of XXXX XX/XX/2021 XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: CITIBANK, N.A.
State: CA
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:
Fraud charges have been filed, talked to agent, sent out response letter to Citi Bank and neve resolved my dispute and all fraud charges are still on my account. 
No body contacted me ever since I filed the dispute fraud charges.

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 2021-02-23
Company: CITIBANK, N.A.
State: PR
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:
I have received several statements charging my Shop Your Way Master Card for services I have not used. These charges have been made out of my location. I live in XXXX XXXX and since XX/XX/2020 I have not been out of my location due to COVID 19 pandemic. I have dealt with Shop Your Way Cardmembers Services with no results at all. I have finally submitted all my cards ( chopped ) and asked them to cancel or close any account under my name.

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 2018-02-06
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I was contacted by a collector from XXXX XXXX XXXX - XXXX XXXX. The collector advised me I missed a payment and was past due. I advised her that I could not talk at the moment, as I was in the bathroom, but would call back. Later that afternoon, I received an additional text from XXXX XXXX asking for a payment - 2 collection attempts in one day. 

Since then, I continue to receive calls from the company using multiple phone numbers form different states. These calls do not leave messages. 

I called today and requested a Cease & Desist as I find their collection 's practies to be harassing. In addition, I advised I will be filing for bankruptcy and will be paying my retainer later this week. After talking to XXXX, then XXXX, and another employee, I was routed to XXXX XXXX in XXXX XXXX. 

XXXX XXXX advised me that she was able to confirm that my number was removed and advised all future communication would be by mail. XXXX XXXX was unable to provide me details of my previous conversation with their employee on the XX/XX/XXXX and apologized for the additional text I received that day. After ending my call with XXXX XXXX at XXXX PST, I received an additional call from XXXX XXXX at XXXX from one of their numbers - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an original payday loan from XXXX XXXX. It was bought by XXXX XXXX XXXX  which I saw listed on my credit report, so I called and settled this outstanding account with them. I received the paperwork confirming my debt has been settled. 

I received an email from an " XXXX  XXXX XXXX XXXX  XXXX '' from a XXXX XXXX saying that they will send me a summons to court for non-payment and lack of response. They are asking for a credit or debit card number to settle it for {$980.00}, which they later revised to {$750.00}. The email to respond to was XXXX and XXXX. I responded with a copy of the letter from XXXX XXXX XXXX ( about my account being paid ) and this person from ACE said that they know about my settlement, but these are legal fees. I said I would look into the account further. 

This person has become increasingly aggressive, asking when I can provide my card info. I asked for their financial department if a money order can be used ( to protect my information ). They said they only accept debit or credit. They have kept sending me emails within the hour, threatening to proceed with legal action. 

I consulted with a lawyer from XXXX XXXX about this case who thinks this may be a fraudulent company. The lawyer said that once a debt is paid, it is paid. I am waiting for a letter from XXXX XXXX to assist me in this case. I also wrote an email to XXXX XXXX to ask if they are affiliated with " ACE '' and to assist me with updating my account, if it is still being distributed to outside channels for non-payment even though I had settled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Account status incorrect

Complaint:
I called Equifax letting them know there is a remark on my credit report that is coming from them that only shows on my FICO score report. They were unable to help remove even with providing the information to them. I asked for a supervisor to resolve my issue and XXXX disconnected my call after telling me I couldn't speak to a supervisor. XXXX  and XXXX  doesn't show this remark and when pulling from XXXX the report is not listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. 
Midwest Recovery Systems is the current debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to collection Credit Collection Services collection agency asking them to validate this debt and competent evidence bearing my signature showing that I have some contractual obligation to pay them. I attached what they sent me for validation, which is only a bill. They violated the Fair Debt Credit Practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use Wells Fargo Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use XXXX XXXX XXXX 's automatic payment services, but each time it has rejected my checking account from Wells Fargo. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else screws up and I have to pay for it?

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 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to TransUnion requesting a reinvestigation and the Method of Verification for a bankruptcy reporting against me on my credit profile through TransUnion. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Transunion has been non-compliant and didnt complete the dispute in 30 days. I further remind Transunion as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. I did not authorize a third party provider called XXXX to report this data against me on Transunion. The public record is non compliant, inaccurate, and unverifiable.

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 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I noticed that my most recent credit report contains a late payment reported on XX/XX/2020 for my BANK OF AMERICA account. Because of my exceptional payment history over thelast 2 years, I would like you to consider removing the negative payment from my creditreport. At the time of the late payment, I was in the process of changing jobs. I say that notto justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that BANK OF AMERICA is willing to workwith me on erasing this mark from my credit reports.

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 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I was given " cash for keys '' and settled with the XXXX XXXX XXXX or as they are known XXXX  XXXX XXXX, with their lawyers, the State of New Mexico mediator, and myself. This agreement was in XXXX of last year, I was to leave the house XX/XX/XXXX, which I did. They have been reporting every month this year that I am not paying my mortgage and hurting my credit every month. When I called their lawyers, they said all the info is with the bank they are done with the case and will not deal with me. When I call the bank, they hung up on me and refuse to resolve. I can produce the check i received as well as contact the state who also have record of the agreement. I do not have a mortgage with them anymore it was resolved through a cash for keys settlement agreement and they are wrongfully charging me every month and still have it open in my name while I am not even at the property and they already are working deals on it with others. Completely no right or legal, and their inability to even talk to me is unbelievable and they should be held accountable. 
XXXX XXXX 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 2018-02-06
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loans were previously managed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( " Great Lakes '' ) before being transferred to XXXX XXXX in XX/XX/XXXX. I'm concerned that the information transferred was incomplete, most importantly regarding my past qualifying payments. I requested that all of my records be provided to me via email through their customer service webpage and received an email on XX/XX/XXXX, notifying me that they would be sent via email per my request. Nothing happened. 

I lost track of the request that they didn't fulfill and reached out again in XX/XX/XXXX, again with no response. I think as a borrower these documents should be well organized and stored by the loan servicers. All I want is proof that I have made more payments than are currently on record because I'm a public employee and hope to use the Public Student Loan Forgiveness program. It would be unfair if all qualifying payments weren't counted due to poor clerical management on a private company 's behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer of Wells Fargo for many of years since XXXX. I set up for my mortgage company to draft my payment on XX/XX/XXXX and XX/XX/XXXX from my Wells Fargo account.They drafted payment on XX/XX/XXXX. I spoke with XXXX at Wells Fargo yesterday evening and she informed me that my mortgage was sold to XXXX in California on XX/XX/XXXX. I did not received any notification from Wells Fargo. I get all my mails and statements from them. I am currently in bankruptcy and paying arreages. I am concerned about what to do. I know I will contact my attorney, but how can I be sure this is correct. Information was giving, but I will not pay until I am sure this is correct. Need documentation.

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