BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received and automated phone call saying it was XXXX and someone was trying to purchase XXXX shoes on my account to call if it wasnt me. I called the lady transferred me to the fraud department it was a man from XXXX. He told me XXXX had been charged on my account but not to worry he was going to get my money back and put a big smile on my face. He had me open my online bank account and he told me to type in XXXX to credit my account. When I did it added a extra zero which he showed me I got a XXXX credit in my account. Started saying if he didnt get the money back he would be fired. At first I told him thats not my fault. He continued to call and text me begging me to please help him replace the money. He convinced me to go to XXXX and purchase four XXXX gift cards. I bought two with my debit card and then wrote a check for XXXX for two more gift cards. He told me scratch off the back and take pictures and text them to him. He kept calling me saying the cards werent going through and I need to go purchase four more cards. I refused then checked my bank account and they had cashed three XXXX gift cards out of my account and XXXX transfer to XXXX. I immediately went to XXXX to have them cancel the cards. They had already cashed them out. I called my bank to and put stop payment on the check which cost me XXXX. The check XXXX cleared the bank. Plus XXXX in XXXX cards withdrawn from my bank account and XXXX to XXXX which now I have been totally scammed out of XXXX. I called that man later that night and told him I knew what he did. Then I cried my self to sleep. I am on XXXX a fixed income he took all my money. I am so upset and have all the proof and voice mails and text message he sent me. He called me the next morning and told me he was sorry he was going to give my money back. Tried to get back in my back account. I kept hanging up on him but he wouldnt stop. Kept calling and texting until XXXX. The bank has canceled my debit card. This happened on XX/XX/2020. I called for a update tonight and XX/XX/2020. They said cant recover any of my money. I want this man caught and I want restitution because, I am broke and my spirit is broken. I pray that you can help me somehow. 
Thank you 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 2018-07-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On or about XX/XX/2018, I filed a complaint with the CFPB, case # XXXX against Wells Fargo Bank. 
I received a response from Wells Fargo in the form of a letter dated XX/XX/2018 stating their remedy would consist of a refund of overdraft fees in the amount of {$170.00}. 
Some time passed and I noticed I had not received a check in the mail or a credit to my checking account in the amount of {$170.00} or any credits totaling {$170.00}. 
In the month of XXXX, I contacted Wells Fargo Bank through the Customer Service Department line for checking accounts and was told by the representative that there are no notes or indication that Wells Fargo had made regarding my complaint or the refund of {$170.00} and because there were no notes, I would need to contact the CFPB to resolve. 
I called CFPB and was told I would need to open a new case to resolve the matter.

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 2018-03-09
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called XXXX XXXX to settle the debt of {$380.00} ( toward deductible ) from  XX/XX/XXXX, but they wont talk to us because the lady said she gave it to XXXX XXXX. Served a Civil Warrant to go to court in 6 days even though the notice was dated back for XX/XX/XXXX. Husband called court house to push court date to XXXX. XXXXXXXX XXXX lawyer wants to charge us $ 700+ ( Attorney fee, court fee, processor fee ) which includes court costs that didnt happen. 
They said we have to pay the full amount before the court if we want them to drop the judgement. 

They said if I dont pay they will file a judgement against me. Can they get away with doubling our debt? I am the only one working and supporting a family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : AMEX is reporting an alleged account in the amount of {$1400.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The 6 month 0 % financing transaction of {$210.00} appears on the XX/XX/XXXX Best Buy statement same day XX/XX/XXXX of which the XXXX router was returned to Best Buy, XXXX, Ohio. There is a transaction where the credit pf {$210.00} was applied, and there is also an transaction where a 6 month 0 % financing charge for {$210.00} as created with a promotion date of XX/XX/XXXX. 

The initial charge of {$210.00} resulted in a balance of {$2.00} being left over after the {$210.00} for the XXXX router was returned. 

On XX/XX/XXXX, I made an online payment of {$990.00}. I called back on XX/XX/XXXX to speak with a customer service representative to discuss how I wanted the {$990.00} allocated on my Best Buy credit card account. Per the phone the breakdown of the {$990.00} went as follows : 1. Paid {$60.00} to minimum payment. Balance {$930.00} 2. Paid {$210.00}. XXXX for the 6 month 0 % financing for the returned item. 
3. There was a 6 month 0 % financing for {$770.00} from XX/XX/XXXX.  The {$710.00} have been applied. Leaving a balance due of XXXX. 
4. I made a payment of {$100.00} on XX/XX/XXXX. 
5. On XX/XX/XXXX, a default/adjustment of {$54.00}. 

I initially filed a XXXX complaint against Best Buy, which was later transferred to XXXX as they are the financial holder of the Best Buy credit card. I received a phone all from XXXX XXXX. 

On XX/XX/XXXX, I received an e-mail from the XXXX XXXX XXXX of New York stating XXXX asked for 14 days to reply. I agreed and to date have not received additional information. 

I did receive a letter dated XX/XX/XXXX, as a response to the initial complaint. I'd spoke with XXXX XXXX and to no avail was there an understanding of the credit and the charge of the {$210.00} of which I paid in full for an item I returned. Also, she stated I made a charge of {$190.00} XX/XX/XXXX. That purchase was a regular charge and was not a 6 month 0 % financing. 

Respectfully,

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 2018-07-03
Company: AMERICAN EXPRESS COMPANY
State: UT
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 balance transfer

Complaint:
I am absolutely disgusted with American Express, and they should be absolutely ashamed with themselves. 

I applied for a card for the sole purpose of balance transferring. On the website, there is no area to indicate how much of a balance transfer limit is needed. I was " approved '' for {$1500.00}, which is {$6500.00} less than what I needed. 

I contacted the " customer care '' department and after waiting 25 minutes to speak to someone in a US based call center, the woman was rude and abusive. She said that I had to wait for the card to come before requesting a balance transfer increase. I then asked why I was hearing a " beeping '' in the phone, and she stated that I was being recorded. I then said that I will turn on my recording device on my phone ( as is legal under Utah state law ). The woman became even more abusive saying I had no right to record, yet she had a right to record me. The woman hung up the phone. 

I called back yet again and waited 15 minutes to be transferred to a US call center. The agent there said that as soon as the card arrived, it would take " a few minutes '' to do the balance transfer limit increase. I waited for 13 days with no card arriving. Finally, I demanded a new card be overnighted, to which it was. I finally called back and gave the " supervisor ' my card number, who then told me it would take an additional 2 weeks to get an approval back on the balance transfer request. 

I said that this kind of behavior is atrocious and how dare they treat clients this way. I asked to have the balance request cancelled. I then received an email stating my card and account was closed, an action not authorized or approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought by Selene Finance LP last month. My old loan company, XXXX XXXX, was authorized to debit my bank account for the monthly payment. I have received zero correspondence from XXXX, even after XXXX phone calls to the company concerning the transition. I was told that a welcome package would be mailed to my home with the new account number, and I would have to make my first payment via phone, and there after would fill out and submit a form from the welcome packet to authorize Selene to debit my bank account. As to date, XX/XX/2018, I have not received the welcome packet. 
On XX/XX/2018, I was notified by my bank that Selene tried to debt my account for a payment, and that a NSF charge of {$35.00} would be charged to my account, and that Selene was not authorized to debit my account in the first place. 

I am asking Selene be held accountable for an unauthorized charge to my account, and that they refund me the NSF fee that caused by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX has already XXXX me out of 1.5 yrs of qualifying PSLF payments as a result of sending out a 'billing statement ' during my bankruptcy stay and after. There is another missing payment on all eligible loans for XX/XX/2019 where there should not be.

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 2019-08-22
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
QAR debt collection agency I received a letter from a previous employer for an attempt to collect tuition reimbursement. Never received notice from my employer that money was owed. My payment was not due until XX/XX/19. I sent in documents that I felt I was not responsible to pay. Also, the check was mailed out on the XX/XX/XXXX never cashed called my bank to verify, and had to cancel payment I was charged XXXX to do that. I filed a complaint through the XX/XX/XXXX and company told them the check was cashed it never was. My case number with them was 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 2018-09-20
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They flagged my account on the credit bureaus as collection. I have no idea who they are and I certainly am not in debt with 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 2018-03-09
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
went to original creditor to fix problem they told me i owed a XXXX balance and they were calling the gla collection company to have it removed from my credit reports gla seems to be drgging their feet on the issue please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: BBVA FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with BBVA on XX/XX/17. I completed my application on that day, but was approved at a later day. BBVA was running a promotion for setting up an account with a direct deposit of {$300.00} or more. I completed the direct deposit and waited the allotted time. My bonus has not been paid. I have called BBVA multiple times and they always say they will look into it but I have never been called back. I was eventually told I opened the wrong account, but after that call I went and looked at my application and it was for the correct account for out of state applications. I emailed multiple times and after weeks I get a reply that the account was opened after XX/XX/17 even though I completed my application on the date. I then email again showing that my application was completed on that date. I get a response a week later to call in again. I call in again and get told it will be looked into again. 

Still no follow up. I just want this properly handled and the promotion applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21
Company: Commonwealth Financial Systems, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an update on my credit report that I had a derogatory account, the company named was Commonwealth Financial. There was a phone number and so I called to speak to an advisor, he said that my phone number was not linked to the account, the representative a XXXX XXXX, then took my my DOB, he then said it was a debt from XXXX, I asked him several times if his company had tried to contact me prior to the derogatory charge being put on my account, he initially hung up, I called back, he proceeded to call me by a different first name till I corrected him, I asked for a copy of the recording and he refused, he finally admitted that the company had not sent any letter or attempted to contact me prior to putting the derogatory charge upon my account. He said a letter would be sent today and I would receive it within 5 days. The outstanding debt was with my travel insurance company and o have sent this information to them in XXXX  and have heard nothing until todayXX/XX/XXXX, I have a few concerns, one can they place a derogatory charge without any attempt to contact me, is this practice legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
Portfolio Recover is continuously reporting an account that was closed by the original creditor XXXX XXXX as an open account that was closed by the original creditor in 2013. I have disputed this several times every year and all they do is say it was verified without sending me documentation that this account is mine. This is NOT my account and I am tired of being called everyday continuously by them as they leave messages with my friends and family.I had to block several numbers as they change their number or call me from different numbers in different time zones thus violating the Fair Debt Collection Practices Act ( FDCPA ) I do not have a contract with them and this account was closed 5 years ago according to my credit file last year. yet they refuse to remove this account from my credit file and the Credit Bureaus are accepting whatever they say every time I dispute this. Account is closed! yet the keep harassing me over XXXX do they realize they could be fined over XXXX for contacting me constantly and falsely reporting an account on my credit file?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THE BANKRUPTCY COURT DO NOT REPORT TO ANY BUREAUS PERIOD, AND THEY DIDNT SPELL OUT THE CITY OR STATE ON MY 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 2019-08-22
Company: Southern Oregon Credit Service, Inc.
State: OR
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:
Contact company via certified mail to cease telephone call and all further contact to be via US mail. Valid mailing address was provided yet they continue to call DAILY. The number they are calling is not my number but a friend 's and they wish the calls to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2 different collection agencies reporting delinquent phone bill from the same XXXX XXXX XXXX bill and neither of them have put in the date of last activity ( the last day i did anything with the credit grantor ) Credence ResourceXXXX 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 2018-05-02
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have hard inquiry that need to be removed. I have XXXX XXXX XXXX   and XXXX XXXX that I dont pay. Because I dont have a loan with them. And also I have turned this car in. That is mess up my credit. Which they would not fixs it. It was a lemon. I have problems by trying to get loanss. I hard inquiries on my credit that also pull my credit to XXXX and. And my credit things is still on them way in XX/XX/XXXX XX/XX/XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Wellfargo I have a lot of transactions happen to my bank account that I never recognize them Some transactions I never did to my bank account and also I saw some using my name that I have social but I never have Social number ever since because Im applying until now of my change status in XXXX  for XXXX visa

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