BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
There were 2 small transactions on my account submitted on XX/XX/XXXX and i received a text message about fraudulent activity. I called the bank the agent cancelled my cards and ordered new ones on Monday XX/XX/XXXX i received a call from the fraud department following up on Saturday 's activity and to verify activity from that day. Believing that this was actually Wells Fargo, they did not ask for account information or anything, when denying any of the activity from that day, i pulled up my account, and dialed the number on another phone. The Wells Fargo automated message came on and i saw the transactions that they mentioned on my account. They indicated that they will send me a code a read back the number. Again, believing this is actually Wells Fargo, i gave the code. i literally watched the {$14000.00} disappear from my account instantly. The next day I went to local branch, they cancelled all cards and changed all accounts. I received a letter today stating that Wells Fargo was not responsible because someone used my username and password to send the Wire transfer. Neith of which i gave out. They already had account information and everything. They never asked for anything other than the code. I feel that this is a gross injustice and due to their lack of security proctecion on my account is why it was compromised. They have the information of where the wire was sent, email from the XXXX account they were trying to get additional funds from. Noone contacted me to ask for anything. I have all of the codes that were sent. They could be used for investigation. I have the email from the person that took my inquiry that Saturday. My prior account history and movements should have caused reason to question all activity. There is also an article published by XXXX that speaks to this very scam. I need your help as $ XXXX is alot of money and all i have. I was hoping to get reimbursed by now to pay my bills for XX/XX/2023. The money taken cause my mortgage and car not to not be paid so i know will have to unpaid notes and i have not ever missed any. PLEASE HELP ME< I AM DESPERATE AND BROKE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had medical services provided by XXXX XXXX XXXX on XX/XX/2018. I had health insurance through XXXX XXXX in 2018. A medical claim was never filed with my health insurance for services with XXXX XXXX XXXX. I am receiving collection notices from : XXXX XXXX XXXX XXXX   for {$110.00} that I do 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 2017-06-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to 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 2019-04-17
Company: EQUIFAX, INC.
State: OK
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 submitted a dispute to Equifax which was received by their company on XX/XX/2019 for the following : XXXX XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX XXXX {$150.00} and onXX/XX/2019 : Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$220.00} I was informed by telephone that these were all " verified ''. However, as of XX/XX/XXXX I have yet to receive any written documentation of this " verification '' though I have requested it. 

I have re-submitted a dispute for the above four accounts to Equifax to supply me with documentation that these collections belong to me or to delete them from my credit report. Note that I've also since submitted another dispute that is en route to Equifax : ( XXXX XXXX XXXX XXXX {$1800.00} ) These same disputes were submitted to XXXX and XXXX and were deleted from my credit reports ( see documentation ). I am requesting that all these erroneous account be deleted from my Equifax credit report as well. 

They don't seem responsive to my requests. Their online dispute status website does not work and telephone calls to their representatives are difficult due to language and cultural barriers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: Convergent Resources, 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 received a copy of my credit report and discovered that there was items on my report that were not correct and don't belong to me maybe there is a mis-print. According to records the information you are reporting on these account is inaccurate. i demand that you remove this information from my credit report immediately please. by provision of the fair credit reporting act of 1970, 15 u.s.c ss 1681 et se. i request that this items be investigate and deleted from my credit report. please send me the names and addresses of the companies that you contact so i may fallow up.Under the items of section 1681 ( i ) of the act, you have 30 days from receipt of this letter to verify this dispute information. In the event you fail to verify this dispute information. in the events you fail to verify this data, or fail to respond to this request altogether, the dispute data must be deleted in its entirety. also, pursuant to 15 U.S.C. section 1681 ( d ) of the act, please notify me when the items have been deleted. 

thank you for your time concerning this matter at hand

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 2018-02-17
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, I made a complaint before, but was misunderstood. Navient has been servicing my federal loans until XX/XX/XXXX, and then transferred to ED. I consolidated all my loans ( XXXX XXXX, XXXX XXXX, etc ) back in XX/XX/XXXXwhile it was under service by Navient. Navient left out 7 loans from XX/XX/XXXX & XX/XX/XXXXfrom the consolidation and never offered to add this loans back into one consolidated loan even though they were eligible. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wells Fargo cut off my XXXX payments before the 36 months the policy promised. My start date of XXXX benefits was XX/XX/XXXX. My payments for 36 months should originally have terminated at the end of XXXX. Because of my age ( XXXX when benefits started ) and another special criteria, XXXX XXXX, the policy allows an additional 12 months of benefits beyond the regular ( due to my age and XXXX XXXX  ) I should have been paid through XX/XX/XXXX. See attachments for Plan criteria. 

Although my treating doctor asserted that I was still XXXX a separate unqualified doctor hired by Wells Fargo, stated that I was not impaired. My doctor was a specialist and their doctor was not. They paid her {$840.00} to write two paragraphs to the banks benefit to deny the benefits. The adverse claim denial letter and the claim file both showed my doctors reports through at least XX/XX/XXXX ( my treating doctor sent XXXX pages of medical documents on XX/XX/XXXX ). I was not notified of the denial of benefits until XX/XX/XXXX XXXX also requires employers to provide a summary of material modifications to plan participants. This summary contains information about major changes to the plan and must be sent to plan participants within 210 days after the end of the plan year when the changes were made. I did not receive the summary of material modifications and spent months attempting to just get a copy of the original Plan. 

The XX/XX/XXXX version of the Plan document ( WF Policy ) eliminated the reference to special mental health conditions that allotted for an additional 12 month of benefits. I was qualified for that special consideration. But the copy of the Plan sent to me in XX/XX/XXXX did not contain the paragraph referencing the special conditions and its removal was not documented in the amendment section at the back of the document. It seemed that the material had just disappeared. I looked up the employee copy of the XXXX in the employee handbook in XX/XX/XXXX and the section was not remove in that document which is supposed to mirror the Plan, ( the document in the employees handbook ) The XX/XX/XXXX official copy of the Plan did not document the removal of the special circumstances section. The amendment section in the Plan is required to document all additions, changes and deletions when changes are implemented. Wells Fargo failed to do so.

W

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 2018-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After being a customer for nearly 10 years with Bank of America and having multiple personal and business accounts in great standing, I received notice on the XX/XX/XXXX from BOA that all  my accounts will be terminated and that I have 21 days to withdraw funds. Shocked and thinking that it was some type of error, I went to my banker at our local branch and he said that he has no info and has no clue why I am being treated this way. I want to know why??? This does not seem fair or legal to me at all, please help!

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 2019-11-28
Company: United Debt Counselors, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I receive at least 1 letter a week from companies like XXXX that offer some kind of credit repair service. I'm writing to complain because the language they use is very misleading and is intended to trick people into thinking they have to settle an outstanding debt immediately. Language like : -Please contact our office at XXXX within 10 days of receiving this notice. 
-Failure to Call -Will likely result in interest accruing on your unsecured credit balances This kind of misleading notices only end up scaring, confusing and putting more stress on people who are already struggling to pay their bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Diversified Consultants, Inc.
State: OH
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:
Old XXXX  account placed with internal collections. I spoken with print and agency and was advised after paying the disputed amount it would be removed from report. Diversifield Consulantant has repeated reporting of this debit as collection when its not and also over the statutory limits. This company doesn't own the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: FL
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 have tried to communicate with Equifax about their inaccurate reporting on a few of the accounts listed on my profile. The accounts just show letters and numbers. This does not show anything else about the company who is alleging I owe them a debt. Federal law states that it is the job of the consumer reporting agencies to provide the consumer with fair and accurate reports. How am I to know who my accuser is when Equifax will not provide the information I seek? This is unfair and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I owed under 400 dollars my limit is XXXX dollars. I have always paid my balance in full until XXXX XXXX XXXX committed fraud charging my card over XXXX dollars which the auto insurance paid them then my XXXX XXXX account had some fraud activity which the account was closed So 2 payments had to be rejected Capital one knew the problem and charged those payments after I told them to stop the payments They are making me pay money for something I didn't owe They are cheating me and I want this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company started calling me about the debt back in XXXX XXXX XXXX. I asked them to mail a bill to me so I could pay it as opposed to paying over the phone. They claimed they did, but I never received it. I asked them to update my address because they had the wrong one. They said they would mail another one to the updated address. I still didn't receive a letter. Next time they called, I verified the address I wanted them to send it to. Turns out they had sent the letter to the original address again, not the updated one. So I reverified the address that I actually needed the bill sent to. I finally received it in XXXXXXXX XXXX XXXX  By this point, I've accumulated more interest debt. I believe their lack of follow through to send a letter to the correct address on time is the reason my debt is more than it should be. I will happily pay the ORIGINAL amount owed, but the collection company failing to update my address even when I specifically called to update it is responsible for the delay and interest accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Experian Information Solutions Inc.
State: NY
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:
Despite an account being closed for over a decade, XXXX XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX  consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX years old and must be removed from 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 2022-09-01
Company: CITIBANK, N.A.
State: VA
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 customer service

Complaint:
My problem is with CitiXXXX card. Their site has been down for a number of weeks which means I can not retrieve my monthly statements, my quarterly statements, or my annual statement. I spoke with them and they have no idea when it will be back up. I requested a paper copy of my annual statement for XXXX. It has now been two weeks and I have not received it. I need this information to file my taxes. No one there seems to be the least bit concerned about customers not being able to access their information. Arent they required to have this information available to customers?

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 2017-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Payoff process

Complaint:
I entered into a settlement agreement with Bank of America in the amount of {$1700.00}. Bank of America set-up installment payments to be automatically withdrawn from my account. The installments were incorrectly set-up by the bank, and I therefore defaulted on the agreement. I paid {$1400.00} of the {$1700.00} settlement. The remaining balance on the credit card then went into collections, was charged off, and was then sold to a collection agency. I did my best to pay the full amount of the settlement only to later learn it was not satisfied due to what is clearly bank error. Not only do I still owe on this account according to the bank and the new owner of the debt, but my credit is even further damaged.

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 2021-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Tuesday XX/XX/XXXX @ XXXX I missed a called from PORTFOLIO RECOVERY. This is the second time they have called this number after I have told them verbally and writtenly that all communication must be written. I return to the call to request removal of my number and the represent XXXX refused to remove my number from their robot called. I called back to verify that this is a company policy and record the call as evident. When I called back the rep refused to spoke to me without my name or remove the number.

Company response to consumer: Closed with non-monetary relief