BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
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: Transaction was not authorized

Complaint:
WELLSFARGO BANK DISCRIMINATED ON MY CREDIT CARD AND CHEEK ING, ACCOUNTS. I'VE ALREADY REPORTED THIS, TO THIS. 
COMPANY NOW THEY ARE MAKING UP FALSE, DISPUTED REPORTS AND FRAUDULENT INFORMATION UNDER MY ACCOUNT SENDING TO ME, WHICH I DIDN'T STATE TO WELLSFARGO FRAUDULENT AND DISPUTE DEPARTMENT. THEY ARE TRYING TO PUT WORDS IN MY MOUTH, I DIDN'T SAY OR SPEAK. THIS IS WRONG AND INJUSTICE I HAVE THE DOUCEMENTATION THEY SENT TO ME, ALL THIS STARTED AROUND XX/XX/XXXX, TO PRESENT. I '' VE TRYED TALKING WITH THESE PEOPLE 'S WHO WORK FOR WELLSFARGO. ON XX/XX/XXXX, WELLSFARGO COMUSTER SERVICES REPORTSENTITIES HUNG UP THE PHONE, ON ME ABOUT, 10. TIMES EVERY TIME I CALL BACK THEY ASK ME THE SAME QUESTION AND I GIVE THEM THE RIGHT ANSWER THEY PUT ME ON, HOLD AND HANG UP THE PHONE AND OTHER TIMES THEY FIND A REASON TO HANG UP ON ME, AT THIS TIME I'AM VERY UP SET FEELING SAD AND HURT BECAUSE I'VE REALLY TRYED TO TALK TO WELLSFARGO FOR ALMOST TWO YEARS I'AM RESOLVED WHAT ELSE TO SAY OR DO PLEASE HELP ME CONSUMER FINANCE OF THE UNITED STATES, GOVERNMENT I REALLY NEED A SECOND VOICE, I SAY AGAIN PLEASE HELP ME C. F. P .B . .. THIS IS MY SECOND TIME REPORTING THIS TO THE, C .F .P .B. THE FIRST TIME WAS BY PHONE, THIS SAME MONTH. BUT I KNOW THESE THINGS TAKES TIME, I'M ONLY GIVING A UP DATE OF WHAT'S STILL HAPPENING TO THIS DAY,, XX/XX/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 2018-11-23
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 and XX/XX/2018 I sent certified letters to Kansas Counselors asking them to validate the debt they are stating belongs to me. I received no correspondence back nor was it removed from my XXXX, XXXX or XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

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 2020-05-13
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
Re American Expess acount : XXXX XXXX XXXX. 

In XXXX, I opened a Hilton AX card with a bonus of XXXX points after initial spending. The threshold was met on my first statement. 

Three months have passed, and the points have not shown up in my account, and today a rep on the phone told me my account was being reviewed. 

I have no idea what that means, but, frankly, I expected better service than this from American Express. 

Then again, maybe I didnt really expect better service, and thats why I made sure I printed out the chat transcript I had with one of the AX reps on XX/XX/XXXX to make certain the terms of the bonus offer were in writing ( I mistakenly cited XXXX points at the start of the chat and the agent even corrected me to point out I would be receiving XXXX points ). 

You will see from the transcript that at XXXX XXXX  on that date the bonus was confirmed and at XXXX XXXX, the time frame was confirmed again. 

Is this sort of game-playing the new normal from AX? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Debit Cards was Stolen and Numerous Fraudulently activities Took Place in my Account. My Funds were Stolen. I Made a Police Report and the Person While has my Information is On XXXX ( Social Media ) Showing Off my Information and the Information Of Others. All of this was sent the bank and theyre denying my claim saying that I had to Enjoy some of those benefits because the individuals who scammed me called from my number as they made certain request. 

Ive had my account since 2011 and Have never this type of issue. Not only is BB & T refusing to give me my {$2400.00} + but theyre claiming that I took {$9900.00} from them. 
It appears that theyre refusing to properly investigate and simply want to punish the victim despite what Ive already experience.

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 2018-02-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. I have informed XXXX that I returned their box. They have ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered a negative statement on my Experian credit report from the following company : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both Experian and XXXX XXXX XXXX on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to XXXX XXXX demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. Experian 's response to previous disputes has been that, based on their investigation, the information provided by XXXX XXXX would remain on my report. I can only conclude that their investigation consisted solely of asking XXXX XXXX if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of XXXX XXXX XXXX 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my Experian credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.

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 2018-11-23
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-03-25
Company: Square Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Some of my accounts were hacked so I closed my debit cards changed passwords usernames and so on. Well with cash app I changed my $ cash app name and pin. My friend sent me some money to my old account I tried to access my old account to transfer funds could not get access. I contacted cash app support through their email only way to contact them. The first email was sent on XX/XX/2021 I received the money on XX/XX/2021. So since XX/XX/2021 till this very day XX/XX/2021 I have been going back and forth trying to get help accessing my old account to transfer funds. Cash app has been sending me generic emails with links instructions on how to access my old account none of which work. The email I got from cash app on XX/XX/2021 states that they will do this one time courtesy and transfer my money into my new account. Oh happy days but the email I received on XX/XX/2021 says oh sorry no can do we can't transfer money for security reasons blah blah blah none of which makes any sense. I have all emails correspondence between cash app and myself. So I guess cash app is going to add my money to their payroll. It is theft and fraud plain and simple. The last email I received XX/XX/2021 from cash app says seeing how I haven't responded to them in 3 days the matter is closed. My last email I sent to cash app was on XX/XX/2021 so no 3 days has not passed without me contacting you so now cash app is out right lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted my mortgage company twice about how my mortgage is being reflected on my credit. I able for temporary forbearance due to Covid hardships and under the cares act its not supposed to negatively reflect on my credit. Its currently reflecting a balance increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is how an insurance claim is not being handled in a professional or perhaps ethical way. I filed a claim in XXXX for a broken pipe, the insurance company sent a 3rd party adjuster and a check made out to me and Freedom Mortgage for {$10000.00} ( copy of check attached ) the ins comp said to mail the check to Freedom who will endorse the check and return to me. I followed up with Freedom who said they would not release the check to me, until I sent them several documents. 1 ) Adjuster Claim, 2 ) Contractor signed estimate signed by me and contractor 3 ) signed contractor paid receipt for Monies already paid to the tune of {$6000.00}, 4 ) Signed Lien or mechanics lien 5 ) XXXX  for contractor 6 ) letter requesting reimbursement of funds 7 ) copy of contractors License. After several days of follow-up they claimed they didn't receive the documents I sent them all again in one shot. I have attached all the documents listed above to this complaint so you can review also. They also said they would only send me 25 % of the {$10000.00}. The insurance company were insisting I do work on the house before anymore damage was done, I couldn't wait for Freedom to send the check, so I used my mortgage money payment to pay the contractor to do some of the initial clean up and preparation, and as a deposit. ( attached receipt ) I told them, if they are concerned, because now I am in default, they can keep {$5300.00} and send me the difference, that would cover 2 months mortgage payments, they refused ( all documented attached ) I need help getting my money, I am falling behind on my mortgage payments and I think they are doing this on purpose to force me into foreclosure. 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 explanation
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to get my statements from an closed checking account and I was told I couldn't be helped I need to visit a branch. I informed the agent citi bank is suppose to legally keep my statements on file for 7yrs, I continued to ask for the agent id and She told me, she could give me this information. She then gave me XXXX number which I think is fake. I also asked for a manager she told me a manager wasn't available, I told her this call was being recorded then she then told me to hold on, came back 2 mins later stated the manager was busy and he would give me a call back in 24 to 48 hours. I said i would wait and i waited yet no manager ever came on the line. She was very nasty and rude. This is the reason why I left Citigold. Bad customer services. XXXX was her name. Stated her manager was XXXX, to busy to answer my call.

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 2018-11-23
Company: CL Holdings LLC
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: Was not notified of investigation status or results

Complaint:
I have a a unverified account from XXXX XXXX I have previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt and received no response twice. I also called and was told the would send paperwork and I have yet to receive anything 3 months later. I requested XXXX XXXX   Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Yeah there's been a lot of fraudulent in my account banking account checking account 7 I like the last two years and I already reported to to the IRS and to the local police are commercial a verify myself it's hard to verify myself because I own all the banks in all the stocks and bonds and securities. And I have a couple identity reports on my bank account and got reimbursed I didn't eat that money and then lost ID that money to the same people to get the first time then opposed to get credit and all these stores and I'm not letting me get my Consumer Credit based on my name and Social Security. And then by legal rights I have all right heard a Patriot Act to get report of My Consumer Report which states that all my rights are reserved and in that all my right are exercise on because of the foreign land in the entity of the land in a foreign country because I'm from a foreign country on different land and my fellow and sisters chife XXXX which I inhave the same bloodline the oldest I have the oldest bloodline in the world has the keys to the Mayan bloodline which makes me the rarest blood line in the whole earth from when they first started with v which is he way that I own all the land because I have the bloodline from the very beginning so now I feel like that history is repeating itself and is modern-day slavery because what is happening to me and they're not giving me my rights and their vile all of my rights civil rights in every race known to humankind and what is going on is very unethical and deceitful and my name is the XXXX XXXX XXXX born XXXX XXXX XXXX, and then recently found out that that's not my real birthday or birth place in my real name is XXXX XXXX XXXX born XXXX XX/XX/XXXX from the XXXX XXXX. So I am making his complaint to get some clarity so I could claim was mine because my whole life I've been electronic gangstalked harassment

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