BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Unfortunately, I do not have dates associated with these things. 

I have contacted Wakefield & Associates multiple times trying to get my debt resolved. My initial complaint was that I had paperwork saying that my debt had been written off 100 %. I contacted them via email asking for an account number and submitting a copy of the letter saying that my debt was written off. No response. 

I then disputed the debt on my credit report. The credit reporting agency said that the debt was verified. Still nothing from Wakefield. 

I disputed the debt again, stating that I have unable to get in touch with Wakefield. The credit reporting agency said that the debt was verified. Still nothing from Wakefield.

I finally was able to pay the debt in full through Wakefield on XX/XX/2019 because I have no other options and my credit score is continuing to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: JPMORGAN CHASE & CO.
State: WI
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:
AFTER REVIEWING MY STATEMENTS I FOUND A CHARGE ON MY CHASE FREEDOM CARD THAT I DID NOT APPROVE SO I CALLED MY CHASE CARD AND SPOKE TO A GUY NAMED XXXX WHO TOOK MY CLAIM FOR XXXX XXXX XXXX XXXX FOR {$2000.00} HE LET ME KNOW THTA I WOULD GET A CREDIT WITHIN 72 HOURS I GOT IT ON MONDAY OF LAST WEEK THEN THIS MORNING I NOTICED THAT IT WAS TAKEN AWAY AGAIN! I DID NOT APPROVE THIS CHARGE AND SHOULD NOT HAVE TO PAY FOR IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I apply with Wells Fargo auto loan in 2013 in my interest rate it was super high. I struggle so hard to paid off the loan. I traded a card and the money that I was upside down transferred to the new loan. I heard Wells Fargo was having me settlement to the customers but I dont know if I qualify my loan was in 2013 with a high interest-rate

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 2019-07-01
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 and on previous date I have sent LVNV Funding several letters asking them to send me a written contract that I signed binding me into a contract with them. They have never responded or attempted to contact me on this debt. They continue to report negatively on my credit report, which is causing me hardship in obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE DISPUTED THIS ACCOUNT ( IDEAL COLLECTION SERVICE OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.

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 2022-04-05
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX, I have been a long time card holder of XXXX XXXX ( XXXX XXXX ending XXXX ). On my credit report there is a 30 Day Late Payment for XXXX XXXX. Back in XX/XX/XXXX there was a bank error and a payment that I thought I had made did not go through. I had placed overdraft protection onto my checking account. And I actually made a payment on XX/XX/XXXX and the payment should had gone through. We no longer bank with XXXX XXXX. But I was able to get a copy of our statement from XX/XX/XXXX. 

My wife and I actually reached out back to XXXX XXXX in XXXX for this same issues and you guys fixed it, kind of. Back in XXXX I wrote in to you guys and I had asked for a goodwill adjustment. You guys did agreed to the goodwill adjustment given my outstanding track record and account history. Shortly afterwards the holiday season came and then XXXX shut the whole world down. So this account has been out of slight out of mind. 

The reason Im writing you today is after reviewing my report recently, I noticed that only XXXX updated. Both Equifax and XXXX still show a 30 day late payment for XX/XX/XXXX on my credit reports. My credit card account with XXXX XXXX has been in great standings since I opened it, other then this one 30 day late. A late payment that is now nearly 5 years old. My account is set up for automatic bill pay. And I enjoy having and using the card. I am asking to have Equifax and XXXX updated to remove the 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Billing dispute for services

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated, but how is that possible if the fraudulent account was never blocked due to identity theft. I have sent them a copy of my police report and also informed Transunion that the id theft situation is already being investigated and the listed account shall be removed and blocked. This is ground for removal and they also violated my rights under 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions

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 2020-10-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Before anything, I would like to thank the representatives at the credit bureaus that someone has helped in a way. I understand today 's difficulties.I am in the process of closing on my house, and the bank discovered some inaccurate accounts that needed to be addressed. On XX/XX/XXXX, I sent a series of dispute letters to the credit reporting agencies, I hoped to have an answer pertaining to these issues. After not receiving any notifications from them, I decided to contact them by phone. After speaking to someone with a very. broken XXXX, I was told that, they didn't believe, I was the person that typed the dispute letter. Frankly, I found it terribly disappointing, and offensive coming from someone without proper knowledge of the XXXX language. After verifying the fact that I HAD DISPUTED the accounts, the call went silent. It has become a terrible hassle to have some accounts properly invested. I have spent so much time, trying to review, and study federal law to be able have a good chance at winning this unjust situation. Furthermore, I would like to mention the fact that, according to section 611 of the FCRA, the bureaus must investigate and respond within 30 days. Failure to do so, will result in a lawsuit. I have also notified my attorney about this issue. Failure to close will result in losing my deposit. It will create actual damages for me and my family. In my actual dispute letters, I request investigation on XXXX XXXX act # XXXX, and a XXXX XXXX XXXX XXXX. act # XXXX. I SUBMITTED proper proof of address, my state ID, and a well written letter highlighting all of the issues located, and found a link to these 2 accounts.

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 2019-07-01
Company: POPULAR BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used Popular Bank XXXX XXXX which is an app to send funds to people directly on XXXX for {XXXX}. I sent the same person for the same amount 2 months prior with no problem. The second time I sent money to the same person in the same manner it went to a person I have no idea who it is. A few days went by and once I realized the person I intended to send the money to did not receive it I called the bank on XX/XX/10. That is when i realized the info of the recipient 's phone number was one digit off. This was really strange because I used the contact in the app to send money before. I didn't input the number manually the second time. They informed me they couldn't do anything that day and to call back the next day. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. I informed them I believe this was a timely and to see if they could do something! They informed me the fraud department would call me with in 24 to 48 hours. In the mean while the money cleared through a XXXX account. After the second day I called again and they had no addition info. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. Two days passed with no call back back from anyone. In this time the fraud department contacted the person I attempted to send the money to so they could confirm the transaction and they told him to call XXXX and ask for the money back. I kid you not! They advised him to deal with XXXX directly. It took several days and many phone calls before I could even get an answer on what the possible outcomes could be. Eventually they told me sorry user error. I was appalled on how the situation was handled from the begging. I found the lack of contact and willingness to attempt to help there customer suspicious. No one could give me any information at all. I asked how this happened, where I went wrong, why wasn't i notified, I sent this person money before what happened and other questions with no attempt to answer them.

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 2021-05-16
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:
XXXX XXXX is not my account as stated in the multiple letters they has sent to numerous addresses to avoid me disputing the account within the time provided by the FDCPA. This account was placed on my credit report knowing it could not be verified as the account was disputed in 2020 by XXXXXXXX XXXX and was removed because the company could not provide legal verification of the debt as per the FCRA. XXXX and Equifax removed and deleted the account and all information last. The company now has in violation of the FDCPA placed the account on my credit and refused to provide the initial letter prior to the debt being placed on my credit per the XXXX. Debt should be removed immediately especially if the creditor states the account is in dispute as i would have done if I received notification under the FDCPA. Creditor has only provided statement and not legal documents bearing my signature I am the person responsible for this debt. If XXXX and Equifax doesn't delete this unverified and fraudulent immediately, I will have to file damages under federal and state law as this is damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex spouse took dog to vet to XXXX XXXX  XXXX XXXX in XXXX KY and they let him leave without paying. They then billed him at his address, which he didn't bother to pay or open because I am sure it had my name on it. The vet office used my account for the visit instead of his XXXX XXXX. I then starting getting collections phone calls for something I had no knowledge of. I went to the vet office to investigate and was told what it was. I mailed a check for more than the balance just to get the phone calls to stop. The bill was XXXX I mailed XXXX they are still trying to collect XXXX for the visit. I have disputed it over and over. I am tired of it being on my credit even after I paid for the visit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account with Citibank. In XX/XX/XXXX of this, Citibank changed their fee structure for their Citigold accounts introducing a {$30.00} per month service fee. As a result, I requested Citibank change my account type ( also in XX/XX/XXXX ) to their Citi Priority service in order to avoid such fees. I received confirmations from the bank that this changes had been made. 

Since XX/XX/XXXX, Citibank has continued to charge me the {$30.00} service fee on my account. I have contacted them multiple times to resolve this, but they continue to charge this fee in error and I have to contact them every time in order to have these fees refunded. My most recent request sent on XX/XX/XXXX received an irrelevant reply and the fees remain charged to my account. 

I consider this the most simple of requests, but I am frustrated by Citibanks inability to ensure they are not charging me unduly.

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 2017-10-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This complaint is in reference to complaint XXXX also AMEX reference Ref : XXXX in the final response, AMEX states that I have received the total XXXX  MR points. which was incorrect. 

AMEX issued me XXXX bonus points, then another XXXX. But the XXXX points was taken back. I have attached the pdf for reference. 

In addition, when I contacted AMEX, they explicitly told me that I could retroactively submit the mailer to have my original 100k offer applied ( another lie ). 

This is my final attempt with CFPB and if this is not resolved in my favor, i will be continue escalating this via other channels including but not limited to my local small claims court.Note, It literally takes 5 minute to look over my MR points history to know that the XXXX points was taken back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit report and noticed a company reporting medical collections on my credit I sent a letter in writing to the company explaining that the debt does not belong to me and requested for proof of all documents along with my HIPPA Form acknowledging that the debt belong to me.they sent me a billing statement and on that billing statement I have never had an account with this company. I have disputed the accusations with the credit bureaus and they claimed that the accounts was verified but that is not true I ask the company and the credit bureaus to send my complete accurate information showing that these collection accounts belong to me which neither have done so please look into this. it's not okay for a company trying to collect money that a consumer does not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I visited a chase branch in XXXX ca XXXX on XXXX XXXX XXXX and deposited XXXX $ through the atm number is XXXX XXXX the sequence number is XXXX after the money was deposited I received a receipt that stated to be sure your deposit went through please call us I then went inside the branch and they said they have no record of my deposit however the branch manager XXXX XXXX id # XXXX Filed a claims dispute with chase after 10 days they closed the claim and said it was denied because they dont have record of the transaction they completely stole my money and did little to help refund me I returned on XX/XX/2019 to try and speak with the manager he was rude and did not care

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The story is very long it started in XXXX with technical issues in processing my XXXX, which they canceled after a month and thousands of call, I had to start a new application and settle for less than XXXX says I should have received, then a check disappeared in XXXX, after a month and a half and thousands of calls rejected payments, overdraft fees, merchant fees and even closed credit cards, they say that the check did not disappear, that it had no funds, it took about a month and a half and about {$800.00} in fees after they promised to remove them all and solve the merchant issues, they did nothing. Mind you the check they say had no funds, came from the treasury department, for my XXXX XXXX. I was closing on a house and my approval got turned down, now my mom and I are stuck in a XXXX bedroom abandoned my account is over {$3000.00} negative. 

I submitted a complaint with XXXX  over 2 months ago no response until XXXX days ago although supposedly the bank had XXXX  days to respond, now XXXX say they would send a letter within XXXX business days its been XXXX days and nothing. They killed my dream today a home and ruined my credit and business, consumed my XXXX  in fees. 

This is unfair my XXXX is living XXXX in my living room because I was denied my approval after being approved and searching for over a year because of thefees, delayed responses, no response, technical issues, terrible communication and more, these people are thieves.

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 2022-04-04
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 fraud alerts or security freezes

Complaint:
My bank has been trying to access my trans union credit report. I have called Transunion 5 times on XX/XX/2022 to lift the freeze. XXXX XXXX says my filed is still locked. I was also advised by Transunion that the have two files for me with duplicate personal information and different TIN number. My correct TIN is XXXX not XXXX. The XXXX is my XXXX  checking number. I included a copy of check for reference.

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 2019-07-01
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a United Explorer Chase credit card on XX/XX/XXXX through the United Airlines website, offering me a {$250.00} statement credit and XXXX bonus miles. I went through the full online application process and received a notification that day ( XX/XX/XXXX ) from Chase that my request had been approved. After booking my flight, I asked to speak to a United agent to see how I would receive my credit. She told me that Chase is in charge of the program and I would receive the credit on my first statement. Subsequently, on XX/XX/XXXX, I called Chase to confirm that the credit would show up against the United flight payment I booked on the card, only to be told that offer the {$250.00} credit would not be honored, and instead they were offering me XXXX bonus miles after spending {$2000.00} in the first three months. When I asked how that was possible given that I had signed up for the {$250.00} offer ( which was in fact the only reason I was enticed to get the card ), she couldn't give me an answer and told me she would take it up with Customer Service who would get back to me. I received a letter dated XX/XX/XXXX from Chase stating that indeed the {$250.00} offer would not be honored, stating that " one must apply through [ the United.com ] channel '' to receive this offer. When I called Chase to explain that I in fact had applied through United.com, I was told there was nothing he could do. After arguing for a while, I decided to simply cancel the card and file a complaint rather than wasting any more time with them. This seems like classic " bait and switch '' advertising that in my view is outright fraud. Not only should Chase lose my business for treating customers so poorly, but I believe they should be otherwise fined or publicly reprimanded to help other customers avoid being duped.

Company response to consumer: Closed with explanation