BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-12
Company: WELLS FARGO & COMPANY
State: NE
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX XXXX at XXXX. Central Time, I spoke to a Supervisor XXXX regarding the status of my account ( did not tell me that this was an effort to collect a debt ). He gave me the details and I asked for options available for my account. XXXX option he gave was that I could attempt to sell my car to a dealer. I told him that I would explore options and proceed as needed. On XXXX XXXX, I visited a dealership and they attempted to call WFDS to obtain a payoff quote for my car, and when they were attempting to get a payoff, my account was not to be found. They attempted via my SSN and name and was unsuccessful. I visited the dealership again on XXXX XXXX as I was going to sell my car. They again attempted to contact WFDS and they were again not able to locate my account. The dealership proceeded to obtaining an approximate payoff and closed on my new loan. On XXXX XXXX ( at XXXX Central Time ), XXXX from WFDS called me to inform me that I still have an issue with my account ( to my knowledge, she did not inform me that this was an effort to collect a debt ). I explained that I sold my car to a dealership and she proceeded to tell me that if they do not receive the payoff check within a certain amount of time, they will pick up my old car from the dealer. I explained that I spoke to a supervisor to explore options and that attempts were made for a week to speak with someone and she indicated that since there are no documented calls, that she essentially did not believe me. I told her that they could not document a call if my account could not be found. She was going to call the dealer to see what is going on. I called again at XXXX to ensure that she did what she told me she was going to do, which she did. I brought up the unable to locate my account situation again and said that if they could bring up my account on this call, why not for the past week. I told her that there were multiple attempts and explained that she was pretty much calling me a liar. She said I was putting words in her mouth and that since ALL calls are recorded, they could play back the recording. I told her that I had explored the options laid out to my by XXXX, and that since calls are recorded, she can pull up that call to hear the conversation. She told mentioned that supervisor calls are not recorded, how convenient. I asked her now what and she said that they were going to discuss my account. I told her that I am considering this resolved and she said that even though the car was sold to the dealership, it is still my issue. 

As with any other experience with this company, the customer service has been poor and uncooperative. This is not how a company should operate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My complaint is about the US trading platform XXXX XXXX and thus also about XXXX. For about a month I no longer have access to my funds on XXXX XXXX. I have already made several attempts to contact support. In the meantime over 25 times. So far I have not received a solution to the problem and my balance is frozen. My only goal is to withdraw my own money from XXXX XXXX again, but I am being denied for no reason at all. In total ( / BTC / ETH ) it is over XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have been trying to close this account for months now due to a companies taking out payments out of my account without my permission which is the same thing that Wells Fargo credit card company did to me as well they put me on auto pay when I did not request for that to happen so since this was happening I reached out several times to customer service reps to try to get them to refund the first overdraft fee and close the account down and the service fee so that way this would not continue to happen they denied my request over and over again they have helped me in the past but they are still denying my request saying that I am trying to bring the parts account to a positive status and close it without accumulating further charges Wells Fargo is causing me to go further and further in debt by keeping an account open that has no activity on it and charge me a service fee and overdraft fees for an account that has no activities on it I would like for this account to be closed and all of these unnecessary charges to be erased thank you. I have spoke to several several customer service reps has been escalated supervisor complaints have been written and I am not getting anywhere with this company.

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 2015-12-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
amazon store card was charged for about XXXX dollars for an item that was dysfunctional. returned item to amazon who tells me the card was credited on XXXX/XXXX/2015. Synchrony bank ( the card provider ) does not show credit and says its not their problem. I guess this is business in this country now. Charge anything and just assert your right to collect the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being contacted by Conn 's Home Plus. They Start calling shortly after XXXX, if I do not answer the first time ( I am working ) then they will call again back to back. I have sometimes received as many as 40 calls in a 24 hour period. The number I listed is just the most current number they call from. There are more, many more numbers. I understand I owe this debt, but they start calling when I am only 1 day late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
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:
There are accounts and addresses on my credit that do not belong to me. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called the companies last week XX/XX/21 and they said there was nothing that they can do.I also called and put a freeze on my credit. Someone has been applying for credit cards and accounts using my information. Like the bank of Missouri for example I dont even live in Missouri!!! Please help me take these inquiries off my credit it dropped my credit 83 points! Also companies like capital one several times and XXXX credit card and XXXX XXXX XXXX  a loan office. Please help me to take these off I did my part and contacted all companies and also sent letters. I was told theres nothing they can do to help me fix this. So this is my last and only hope! Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
Please be advised on XX/XX/2016 I sent Synchrony Bank/Amazon credit card information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank/Amazon! Synchrony Bank/Amazon has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information

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 2021-04-05
Company: SYNCHRONY FINANCIAL
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:
Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

XXXX  XXXX  XXXX  XXXX  XXXX  Account XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  Account XXXX  XXXX  Account XXXX  XXXX  XXXX  XXXX/XXXX  Account XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX**** XXXX  XXXX XXXX XXXX**** XXXX  XXXX  XXXX**** XXXX/XXXX  XXXX**** XXXX  BANK XXXX/XXXX  XXXX  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 2016-08-31
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I signed up for a Walmart credit card the and PAID with my card and she swiped it to " activate '' it and in turn she had it pay for it also so if anything that woman that did the sign up is responsible for that payment or her Manger because she was not properly trained on it and I refuse to pay for something i NEVER!!!! Agreed too so take it up with XXXX iowa XXXX XXXX XXXX XXXX walmart not 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 monetary relief
Consumer complaint received 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 fourth letter to this bureau regarding an inaccurate item. On XX/XX/XXXX a dispute letter with supporting documents was sent to the bureau and I have yet to get a response. I have been in process of trying to get a mortgage and this card has hindered that process and I am XXXX in the way this has been handled. I am sending in my this letter today with more supporting documents.

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 2021-04-05
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We are buying a new house and the mortgage company is requiring the following documentation to proceed - Condition Description Provide documentation from XXXX XXXX XXXX showing full principal balance from home equity loan # XXXX was transferred into new installment loan account # XXXX. 
Date Assigned XX/XX/XXXX Condition Status : Required I have spoken with XXXX XXXX XXXX  and Specialized Loan Servicing 4 times each. The documentation needed is from XXXX XXXX. XXXX XXXX XXXX tells me since loan servicing was transferred to Specialized, I have to request from them. However, when I speak with Specialized they tell me they can not provide since this is before they took over the loan ( XX/XX/XXXX ) and they refer me back to XXXX XXXX XXXX. Ive spoken with XXXX XXXX XXXX Back Office Team and they tell me that they don't have access to those records because of the transfer to Specialized and that Specialized has to help me. I requested loan history documents twice ( XX/XX/XXXX and XX/XX/XXXX ) from Specialized but still haven't received 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 2021-04-05
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hospital billed me {$500.00} for a procedure in XXXX. I paid {$300.00} through my insurance to the hospital on XX/XX/XXXX. I paid the remaining {$200.00} through the hospital 's online payment portal on XX/XX/XXXX. In XXXX of this year I noticed that the collection agency had reported the a debt of {$200.00}. I never received a letter from this company stating that they were trying to collect a debt which is illegal under the FDCPA. I've tried contacting the billing department of the hospital as well as the collection agency. The billing department continues to say that it is being investigated. The collection agency has provided no response.

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 2016-06-07
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had XXXX at my residence in my name! XX/XX/XXXX they were running a special on programming for XXXX, so I inquired about signing up. So I am placed on the phone with a XXXX associate that tells me that I have already had XXXX at my current residence and there is an outstanding bill of over {$700.00} from XX/XX/XXXX-XX/XX/XXXX. So I explain to this person that I have never had XXXX, I have never received a bill from XXXX ever .... and also I did not live at this residence during that time. I was told that maybe a previous tenant ordered it in my name, but that XXXX had been installed at my address in XX/XX/XXXX in my name, and I did not occupy this residence during that time and I explained this to the associate, which then tells me that I will have to file fraud charges to avoid responsibility of this debt. This is a scam because this company did not have my personal information until I gave it to them on inquiry day XX/XX/XXXX, more than 10 years after they say someone at my address used my name to obtain XXXX! I have not filed fraud charges because I have no idea who to charge! I have no proof of this bill or said account or name of person pretending to be if that is the case! I feel this is a scam to collect money that I do not owe and refuse to pay because it is not my debt!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is a second complaint against BSI Financial in the past year. Thanks to CFPB, the first XXXX was handled. It is my understanding that BSI can not hold my over payment on my escrow account hostage to a 30 day delinquent payment. Due to medical heartships, we have beening running 30 plus days late for over a year. However, we have been making our current mortgage payments. Because of a reduction of taxes, BSI is holding approximately {$2400.00} of my escrow money. When I inquired with them, I was told that if I send them the delinquent payment, they will release my escrow money. I told them that if I had the money, I would not be delinquent. I asked them if they could apply part of my escrow money to the payment and send me the rest. They refused telling me that it was not their policy. It seems to me that My money that I paid in on my escrow account is collecting interest in their holding accounts for which they have no right to do. Again, this is the second time that I have had to write your good offices to encourage BSI to take care of a financial matter. The first XXXX concerned them holding my homeowners money and not paying the insurance company. Thank you for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Company charged fees to my account which they can not support and will not provide documentation for. 
Company Assessed 2 identical " Fees '' to my account in the amount of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. The first they say was a charge from my previous servicer. However my previous servicer never charged the fee and it never showed up on any statements. BSI is the only entity trying to charge the fee. They " claim '' it was for foreclosure costs incurred by the previous lender, however I was in active loan modification negotiations with the previous lender all the way through transfer of my loan to BSI. Charging " foreclosure '' fees would have meant they were dual tracking.. Which is Illegal. The second charge is inexplicable even by BSI. I have requested on multiple occasions, documentation or explanation for this charge and they have refused to supply it and in phone calls admit they ca n't even figure out what it is for. They promise to resolve it and then simply never follow through. On one occasion when I made a demand in writing ( of which I have made multiple ) they simply grabbed a stack of ( trash ) paper ( meant for recycling or shredding ) stuffed it in an envelope and mailed it to me. They have assessed a TOTAL of over {$15000.00} in fees some of which they have provided some backup for but most of which seem excessive. Legal fees related to the Chapter XXXX I had to file because they refused to negotiate a loan modification with me despite my willingness and ability to pay. However I am simply pursuing these two charges as they are blatant and unsupportable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2022, I called XXXX XXXX XXXX Equifax, XXXX and XXXX and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. 
On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from Equifax indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. 
On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. 
On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. 
Still to this day my reports are not noted that the account was in dispute. This is clearly a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Several months ago, I faxed ChexSystems proof that my Bankruptcy was XXXX. They, in turn, agreed to remove all derogatory information from my file as the items were included in my bankruptcy. 
I applied today for XXXX XXXX XXXX account, and was denied due to information Chexsystems is reporting. Since I 've not opened a bank account post-Chapter XXXX discharge, Chexsystems has not complied with their promise to clear all information from their records. 
Attached is my personal ID to help expedite my request - which should have been honored 5 months ago. But was not.

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