BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Access Receivables of NC Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I routinely check my credit score once per month. On XX/XX/2023, I checked my credit score on XXXX and noticed a XXXX point drop from a credit score of XXXX ( XX/XX/2023 ) to XXXX ( XX/XX/2023 ). Looking at my credit report, I saw a fraudulent " collection '' charge from ACCESS RECEIVABLES MAN on behalf of the original creditor ( XXXX XXXX  XXXX XXXX ) for {$530.00}. The fraudulent transaction happened on XX/XX/2023. Subsequently, this collection charge appeared on my XXXX credit report on XX/XX/2023. I also checked my credit reports from XXXX and XXXX, which corroborate the same fraudulent charge. This is identity theft. I have never taken a loan out from XXXX XXXX  XXXX. I am a XXXX XXXX who has completed XXXX school, XXXX, and XXXX. As a practicing XXXX in XXXX XXXX, Texas, I have no reason to go to community college in XX/XX/2023 in Virginia. 

Additionally, I contacted both the debt collector ( ACCESS RECEIVABLES MAN ) as well as the original creditor ( XXXX XXXX  XXXX XXXX ) multiple times by both phone and email with no response from either party. I was never notified regarding a debt owed ( by the debt collection agency or Virginia XXXX XXXX ). A police report has been filed with my local police station regarding this identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been waiting weeks on being refunded for bill payments to my chase card XXXX. I have called chase multiple times and was assured that this money was being refunded to the bill payment source. On my most recent call to Chase I was informed that the payment refund was delayed, and I was not given a timetable on how long it would take to receive the refunds. 
Below are the payments to card mentioned above and am including Chase acknowledgement reference numbers given by the billpayer. 

XX/XX/23, {$3900.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX XX/XX/23, {$4400.00}, Chase XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I ordered a digital camera on XXXX for the price of {$760.00}. I was supposed to receive the package and sign for it. However, no one knocked on my door, the package was no where to be seen. My package was now lost. When contacting XXXX, they said they couldnt do anything about it. Therefore I contacted my bank and disputed. Months later, on XXXX XXXX, the credit of {$760.00} was reversed. XXXX has no proof that they delivered the package to the correct home, they have no signature and they are refusing to give me my money back as well as the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a credit alert on XX/XX/20 that my information was used to open a credit card at Bank of America. I immediately contacted Bank of America and was advised the account wouldnt be opened and that they would contact the credit bureau to have the inquiry removed. 90 days have passed and after being transferred multiple times they are unable to give me a timeline for when this fraudulent inquiry will be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account stating that I was a security threat like I'm some XXXX without explaining how or giving me good reason. My information was stolen and I put in a fraud claim with them after my account had been used without my authorization next thing I know adverse action was taken against me and my account was closed without my consent.

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 2023-04-12
Company: Experian Information Solutions 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:
XXXX XXXX service reports a charge thats not mine.I have know contract with this company.I dont know anything about this debt.I didnt give this company consent to share this false 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 2023-05-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ around XXXX I was contacted by an individual claiming to be with Wells Fargo . the number they used was the Wells Fargo customer service number that I confirmed from the back of my card as soon as they called as well as verified with Wells Fargo later that day. The person in which I was speaking to started saying that I had suspicious activity on my account and read off the charges to me. Before giving this person any information whatsoever, I went on to my account and saw both charges in which she referenced. Both were atm withdrawals totaling {$1000.00}, one for {$770.00} and the other for {$230.00}. The location was 2 hours away from where I was at that particular time. Again, at this point I had provided no information that could have been used to access my account. Seeing the charges and having the person that claimed to be from Wells Fargo reading back to me what fraudulent transactions were on it I felt no reason not to proceed in the process that I thought was closing my debit card. upon seeing the charges, I immediately turned off my debit card and continued going the process I thought of deactivating the card and getting it replaced. shortly after the call was over, I had notifications that someone had tried to use it again for 2 transactions of {$2100.00} at a XXXX but fortunately the card was already off. Shortly after the call was completed, I went back on my WF account to check it and noticed the card was turned back on. At this point I became suspicious and reached out to WF myself. this Is when I confirmed that the original person that called was not with WF but oddly enough used the same exact prompts as the person I was now speaking with. A dispute was filed, and I was told I would know within 10 business days. On XX/XX/ I log into WF to check the status of the dispute and it has been closed. I call WF and have it confirmed that it has been closed but they determined it not to be fraudulent stating that my physical card was used even though it was in my hands 2 hours away from where the fraudulent transaction took place. As of today XXXX I asked WF to resubmit my claim. Also, I don't understand why WF did not notify by email that my claim had been closed... very unprofessional. I understand being scammed but I was not scammed out of the {$1000.00}. That money had already been fraudulently acquired from my account before I gave out any of my information. As noted, an additional {$2100.00} was declined twice once the card had been turned off.

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 2023-05-30
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Cash app closed my account and took away my card for no reason at all. They will not tell me why they closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Bread Financial Holdings, Inc.
State: CA
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 received an alert e-mail from my bank on Sunday XX/XX/2023 stating a lender checked my credit report AND verified my identity. After accessed into my bank 's mobile app, I found info on the lender and called Monday XX/XX/2023. To my surprise and relief a rep answered and after exchanging info, she informed me the credit card that I didn't apply for was flagged and on hold pending further investigation. She also informed me it was applied for on-line and none of my personal devices were used for this action. Please consider this a concern and not a complaint against the lender. My complaint is with the person/people who attempted to use my info to get a credit card!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Block, Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Oregon revenue, should have send me the remainder of my state tax, it should have been two deposits for XXXX dollars, only receive one of them form cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since XXXX I have been the legal and medical POA for my mom, who is suffering from XXXX XXXXXXXX. She has an account at Bank of America which her 2 pensions are electronically deposited into. In XXXX I drove one hour to the BOA XXXX XXXX, IL branch, which is the nearest branch to my home. I had a copy of the POA and my valid DL and other identification info. I was turned away because the POA was not original, it didn't have 'wet ink '. Since that time, I managed my mothers BOA account online until XX/XX/XXXX when I made another effort to have the POA accepted at BOA. I drove again to the same XXXX XXXX XXXX ( the branches do not answer the phone, the only way I've been able to make contact is through booking in person online appointments. ) only to be told I needed either a " wet ink '' copy or 'certified copy '. I asked if they would call my attorney ( who was also my mother 's attorney ), who had prepared my mom 's POA document and the branch manager refused. I called my attorney and he had never heard of such a request and said they legally had to honor the POA, regardless he prepared a letter of authenticity, he signed it and had it notarized. I drove 1/2 hour to XXXX to pick it up and 2 days later I drove back to the BOA XXXX XXXX office and presented to the same branch manager. He stated this is what they were looking for and had me take a seat while he forwarded to legal. After waiting an hour ( literally ) I was told 'legal ' was still not accepting it and they would not give me access to the account. I asked for a number for myself or my attorney to call to try rectify the issue, but the manager said he couldn't give me any more information. BOA has since blocked all online access to my mom 's account, so I/mother no longer has access to her funds. My attorney has stated I should do everything possible before initiating legal action. On XX/XX/XXXX I was appointed 'legal guardian ' of my mother by the XXXX XXXX XXXX XXXX XXXX XXXX . To top it off, on XX/XX/XXXX I received a call from XXXX XXXXXXXX XXXX who was investigating a complaint of alleged adult financial abuse. After several questions about transactions only from my mothers BOA account it became clear the complaint was filed by BOA. The questions included why did I spend my mothers money at a pet store, my answer was to purchase dog food for her XXXX XXXX XXXX that has lived with me now for more than a year. After several other questions, and the XXXX agent patiently listening to my frustrations with BOA, I believe the case/complaint is resolved with no wrong-doing on my part. I filed for legal guardianship of my mother, which I received in XXXX of XXXX ( I have attached a copy for your record. ) I still do not have access to my mother 's funds ... which she needs!

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 2023-05-30
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First never got any written notification sent to me about this alleged debt, then sent a letter to I.C. System, inc on XX/XX/XXXX  about an alleged debt on my credit report and asked if they could send me information about the debt and the response letter on XX/XX/XXXX  was they could not find any information with my name attached to that debt. Waited several weeks and still it remains on my report, called around XX/XX/XXXX  to follow up and again ask to send me information and the original contract and was told there wasnt a contract it was a verbal agreement but yet still have not received anything nor has it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I first made a fraud claim in XX/XX/XXXX. On XX/XX/XXXX, I was credited for the XXXX charges that were not mine. A charge for XXXX in the amount of {$790.00} and XXXX {$210.00}. I never received any correspondence in reference to the fraud claim. I never received a new card in the mail either. When I logged into my account in XXXX, there was a note on my account saying that my card is locked and to call the customer service number. Customer service said the lock was placed by another department. I called and spoke to someone who said they put lock on account and that it will stay there until investigation is finished. 
On XX/XX/XXXX, the XXXX charges were placed back on my account. XXXX charge for XXXX {$790.00} and XXXX for {$210.00}. 
On XX/XX/XXXX, a duplicate charge for XXXX at {$790.00} and XXXX for {$210.00} were charged to my account. 
On XX/XX/XXXX, another XXXX duplicate charges were placed on my account for XXXX at {$790.00} and XXXX for {$210.00}. 
My credit limit is XXXX, with these charges my account balance is now {$3200.00}, which is {$1900.00} over the limit and this information has been reported to the three credit bureaus. 
My actual balance should be approximately {$120.00}. 
I called XX/XX/XXXX, XXXX, and XXXX, XXXX to resolve this and I was sent to fraud department each time. I have been assured that I would get a call back regarding this matter and I never did. On XX/XX/XXXX, I called again and they said my fraud claim was closed and did not provide any other information. I had to beg the customer service representative to allow me to speak with a supervisor. She kept advising me that someone would call me back but no one ever does so I insisted on staying on the phone to wait for XXXX. The representative refused to let me speak to a supervisor repeating that " no supervisor was available '' XXXX times to me. I have received minimal help in resolving this billing/fraud error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Block, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
XX/XX/2023 I was re-debited for purchases I made at XXXX and XXXX XXXX XXXX XXXX  that went through at the time I used my card. Those purchases were made between XXXX and XXXX. I contacted cashapp immediately and was told by someone in support a technical error occurred between XX/XX/2023 and XX/XX/2023. They said merchants during that time that I used cashapp card with successfully received payment but funds were not deducted from my account. As a result, my account balance was temporarily higher than it should have been because my payment to the merchant did not decrease my account balance. 

There was no warning, no email sent out, no notification sent or posted in my account. They just started quickly and randomly deducting money out of my account in a very suspicious manner. Suspicious because they could not provide a total amount that was owed, no proof, their deductions do not even show up online or in any of my statements. 
They have so far made 4 deductions very quickly and not left any trail that they did so. The only trail was a brief notification on my phone and once that is opened it's gone. I have spoken with them repeatedly and have gotten no were. They finally sent me a statement that's different than the official statement that they send to my account to back up their claim. They won't let me speak to a supervisor and they won't tell me in total whats owed or how many deductions to expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: OneMain Finance Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2023 Personal and SensitivePrivilegeNot for Publication MEMORANDUM FOR THE RECORD ONEMAIN HOLDINGS, INC. ( dba ) OneMain Holdings , Inc.

c/o OneMain Financial Group , LLC ( formerly known as ) OneMain Financial of America , Inc . 
Attn : Privacy and Identity Protection Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NOTICE : REFUSAL TO PAY BILLING ERRORS MISAPPLICATION AND OVERBILLING ; DISPUTED PAYEE IDENTIFICATION ; FAILURE TO PRODUCE RECORDS IN CONNECTION TO CREDIT REPORTING XXXX XXXX XXXX WITH XXXX XXXX XXXX ACCOUNT NO. XXXX [ AS OPPOSED TO TRANSACTION HISTORY SEARCH RESULTS ] Dear United States, Consumer Financial Protection Bureau, I am reaching out to bring to your attention a matter of utmost importance. Today, I notified ONEMAIN HOLDINGS, INC. about my refusal to pay due to several alarming discrepancies. The attached notice, dated XX/XX/2023, provides a comprehensive account of the issues, including billing errors, misapplication and overbilling, and contested payee identification. Furthermore, the company has failed to produce records linked to the Credit Reporting Agency tradelines for my XXXX XXXX XXXX Account No. XXXX. I am particularly concerned about the differences observed in the transaction history search results vis-a-vis the specified account receivable. 

I believe that forwarding this notice to federal regulator agencies, such as Consumer Financial Protection Bureau, is essential. I aim to shed light on practices that may jeopardize consumer rights and the principles we entrust financial institutions to uphold. 
I kindly request your immediate attention to this pressing matter. If any additional information or clarification is needed from my side, I am readily available. 

Thank you for your understanding and assistance. 

Sincerely, I am XXXX XXXX XXXX of Indiana state, All Rights Reserved without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage acquired my mortgage from XXXX XXXX in XX/XX/XXXX. 
I called and ask a customer service representative XX/XX/XXXX if I could remove the escrow and pay it myself. I received a check for {$2700.00} on XX/XX/XXXX, check # XXXX for an escrow refund. I also received a letter from Roundpoint dated XX/XX/XXXX stating as of XX/XX/XXXX I would no longer have an escrow account and that my mortgage payments would now be {$560.00} for the principle and interest only. I have paid the mortgage amount {$560.00} on time since then but their billing statements and my on line account still reflect I owe escrow, so they charge me for partial payments and late fees. I have spoken to customer service reps on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about this. They called me on XX/XX/XXXX and had me give them my checking account information and took {$1600.00} that day to apply the late fees they said I owe. That confrimation # XXXX On XX/XX/XXXX I received a packet from Roundpoint with information how to avoid foreclosure. I do not know what to do anymore.

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 2020-05-21
Company: BARCLAYS BANK DELAWARE
State: UT
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:
Barclays Bank XXXX : I was not late with making the payment. I made the payment online and it kept kicking me out of the confirmation site. I called the company and they confirmed that my payment did in fact go through.

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