BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Too many of my profiles being listed in areas I use to live. The past 5 plus years I have been accused of too many crimes and my credit reports have been sabotaged.. also trying to get proper paperwork consuming Power of Attorney papers to Insurance papers of all types.. medical..health..life insurance policies etc.. tired of no one helping me knowing I have sent out reports in 3 States now. ALABAMA.. TENNESSEE. AND HERE IN VIRGINIA.

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 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX has the incorrect spelling of my name and Late payments posted with XXXX XXXX XXXX XXXX XXXX reporting inquiries not made and late payments with XXXX XXXX XXXX XXXX and 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 2022-08-10
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 
I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. 
Additionally, these misstatements are punishable as perjury under 18 USC 1621. 
This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An American Express impersonator ( with AMERICANEXPRESS callerID ) called our office asking for the owner and said that we were 48 days delinquent on a debt of {$17000.00} on our company Amex Hilton cards. We opened the account less than 30 days ago and have spent a total of {$500.00} thus far. It is clearly a scam that was forceful with one of my employees. 

Call came in at XX/XX/23 XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
ccount Name KOHLS/CAPONE Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$520.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$900.00} Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX kohls, charged off never sold to third party. if KOHLS did a profit/loss I need to see tax report! if unable to show proff of tax write off, they must remove from all three credit reports asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When ever one of my car payments is due on a weekend Bank of America 's system does not update and show my payment. According to the finance manager upon acceptance of my auto loan, I was advised that I have a 10 day grace period. I have never gone pass the 10 day grace period, yet Bank of America 's collection department calls me non-stop all day to " collect '' on a payment that 's not late, nor past due. I have advised them to stop calling me as the payment was scheduled within the grace period and their systems do not update in real time. However, they continue to call. This is harassment and a violation of the Telephone Consumer Protection Act of 1991. They are collecting on a past due account that does not exist as the account is not past due. I demand that their executive office contact me and issue a formal apology for this 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
Consumer complaint received 2018-01-16
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I received a title loan on XXXX XXXX XXXX from Wilshire consumer credit for XXXX under my pink slip of my XXXX XXXX XXXX I 've been making payments ever month for the last 3 years my interest rate was 165 percent then on XXXX I asked for lower interest could not make payment so they lower to 46 percent interest I paid over 6k for this XXXX title loan and still owe XXXX I want my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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:
There are items in these reports that are utilizing my credit without my permission, and putting accounts that I have already reached out to to prove their allegation for the account they're claiming. I've sent numerous documentation providing lawful information proving the debt doesn't belong to me and that I had no relationship with them. Yet, they have not been able to provide those registered sent information. 
XXXX  is an old account that is paid off, yet they have adverse information affecting my 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 2018-01-23
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I withdrew {$340.00} from coinbase on XX/XX/XXXX and have not received it. I have submitted a case to coinbase on XX/XX/XXXX and still have not heard anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Back in XXXX and again in XXXX Trans Union experienced a " computer glitch '' that had caused the hard inquiries on my credit report to disappear. Then apparently they were all " re-added '' to my report. According to the law, they failed to provide me anything in writing that they were adding the hard inquiries back to my account. 
I tried calling Trans Union directly and spoke with XXXX XXXX on XXXX/XXXX/XXXX at XXXX. EST. She was less than cooperative and denied that Trans Union ever experienced any type of computer issue. I tried to discuss the matter courteously and she told me that there was nothing she could or would do. 
I currently show 16 hard inquires on my credit report dated XXXX/XXXX/XXXX and I request that they all be removed as I was not notified in writing that anything was being put onto 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 2017-10-14
Company: CITIBANK, N.A.
State: ME
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: Overcharged for something you did purchase with the card

Complaint:
I received my new account statement from Sunoco. The new balance they were charging was more than my actual gas purchases that were showing on my statement. On XXXX I bought {$23.00} worth of gas, XXXX {$12.00} worth of gas, on XXXX {$23.00} worth of gas. Those transactions totaled {$58.00} plus a {$2.00} fee for I do n't know what. They showed my new balance as {$76.00}. I called on XXXX XXXX to ask why this discrepancy. She said I have another gas purchase of {$16.00} that I made on XXXX. I said well why is n't that XXXX then showing on my statement. She said it 's just the way the statement cut off. That charge will be on next month 's statement. I feel that if they 're charging me for something they should be showing that charge on my statement. I 've been trying to pay off my balance every month to avoid interest payment, now this extra charge is just enough to prevent me from doing that this month. I do n't think it 's right. Citibank is the owner of this Sunoco account.

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 2017-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I was paid to write an article for a magazine by a company XXXX XXXX XXXX in XXXX. They sent me the money via their bank XXXX XXXX XXXX XXXX XXXX XXXX from their US dollar account that they have with them. They indicated to me the correct amount in US dollars plus an additional {$16.00} to cover the wire transfer fee. They wired this money to the Bank of America. They said that no intermediary bank was involved. Thus, they indicated that they sent me apx {$480.00}. 

The money I actually received into my Bank of America account was actually {$440.00}, not {$480.00} ( minus maybe a {$16.00} wire charge on their endthus, {$470.00} ), that it was supposed to be. 

Bank of America charged me a fee of {$16.00} from my end for the wire. They said there were no additional fees, and the money they received and put into my account was {$440.00}, not {$470.00}, the amount that it was supposed to be. 

The company and the banks said they did the transactions accurately and that no other fees were / should have been involved. Both indicate that my problem is not on their end, but rather on the opposite end. So, I am stuck or caught in the middle, missing about {$25.00} of my money, which rightfully belongs to me and no one else.

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 2018-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hello, Early last XXXX possibly XXXX XXXX I contacted Bank of America to file a check fraud claim regarding a cashiers check that was stolen. I was told approximately 15 days or so after constantly calling checking on the status that it was submitted incorrectly by the customer service representative and needed to be corrected. That was done and the new claim # is XXXX and paperwork soon followed and I was then told by Bank of America that they received the paperwork and that a request had been sent to XXXX XXXX to recover my funds from them to be sent back to BOA to return the funds to my checking account. Again I continued to call over the past couple of weeks and had constantly been being told its a waiting game and the request had been sent and we have to just wait. I was given a telephone number to call XXXX XXXX by a customer service rep at BOA and that telephone number is XXXX. I did in fact call this number and reached a young lady that told me she would do what she can to assist me, but that I was not a " XXXX XXXX '' customer and that she was limited in what information she could release to me. She then came back and told me I needed to contact BOA again because their department should be able to get answers as that department is a go between and they are able to handle this sort of situation. Of course by this time I am frustrated, so I filed a complaint with you all the Consumer Financial Protection Bureau, complaint # XXXX and the complaint was sent to XXXX and XXXX send me a letter XXXX/XXXX/XXXX stating that they have no such request from Bank of America and referred me back to them. The letter is attached. I am being told by BOA that the request is sent and I am being told by XXXX no such request has been received. Please HELP 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 2019-04-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I spoke with a lady on XX/XX/XXXX to pay my account in full. Upon completion of payment I asked when this item would be deleted off my credit report and she stated within 30-45 days because she would submit it today and that they report to credit reports at the beginning of the months.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
received an offer in the mail for a {$500.00} credit after opening a XXXX checking account, code XXXX. I entered the info at santanderbank.com/XXXX as instructed, set up an appt to open the account, which was handled in person by XXXX XXXX. He knew of the offer, knew it was the only reason I was opening an account, and still signed me up for an account that was not eligible. He also failed to inform me of a minimum balance requirement until after the fact. At which time I deposited the necessary funds. he said to wait 120 days, then now, in XXXX he told me I wasn't eligible for the credit. I spoke to customer service and they said he ( XXXX ) would need to appeal on my behalf. Which he of course has not done

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 2019-07-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have received 5 calls a day from a collection agency Midwest Recovery System,  that are all robocalls asking for us to call. 

They have been spooking their phone numbers, and just yesterday, I got calls from XXXX, XXXX, XXXX, XXXX and one other that I deleted that was from area codes XXXX. Three left messages, as I was not near my phone, and it went to voicemail. They left different return calls XXXX and XXXX. 

They are using multiple numbers, and this is for a debt that we have told the original physician 's office that we want detail, and they told us directly that they would not provide details of the charges. 

I have asked Midwest Recovery Systems to stop calling, and that they can only send regular mail, if they can provide a itemized detail for the charges, otherwise, they can stop all contact. XXXX XXXX then started to threaten.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). I sent out a letter to kindly ask all XXXX credit beaures to verify a credit report which it came back as accurate. I also did a a very good research on my own on my credit report just to find out that the information these credit beaures say its accurate was improper and inaccurate credit report. The Account is as follows. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have also attached files below incluidng me sending out certified first class letters to these beaures.

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 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 had fraud on my account. Capital one did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( XXXX and XXXX ) and my score has dropped drastically .This needs to be fix asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation