BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wells Fargo allow multiple fraudulent chargton my account and refuse to handle the matter approiate legal manner wells Fargo allow my identity to be breach by these fraudulent charges with are still remaing on my account as today. Wells fargo is inteniinally trying to cause me some type of harm by leaving these fraudulent charges on my account if it not wells Fargo it 's self committing these fraudulent charges on my 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 2017-10-11
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My husband had financed a car from XXXX car 's and he had lost his job so he had to give the car back because he was n't able to finish paying for it,. Then i think a year later i received a letter about a debt that i owed from a lawyers office and my bank account got frozen,. My rent was late because i could n't take out the money for my rent since the lawyers office they obtained documents to freeze my bank account,. I co signed for the car and my name is the only XXXX that there sending letters too,. My husband had called to setup payments they never called back and then few months later i get a letter from XXXX XXXX XXXX 's office a city marshal that there getting into my wages to take out the debt,. They contacted my employer about the matter and the letter said that they will take out the money from my wages from work,. My supervisor called me regarding this matter,. I am embarrassed and humiliated that they have to go through my employer and i can loose my job regarding this matter. Thank you.

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 2017-02-24
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On two different occasion the representative said they would email me deletion letter. What I had received was n't a deletion letter but a letter just stating my account was paid in full. I called customer service, then another representative said they do not send out deletion letters. I need a deletion letter stating that I have paid this off long ago and need it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I bought a pair of jeans at j c penny on XXXX XXXX and they asked me if I wanted to apply for a credit card. I said NO. on XXXX XXXX, I was notified I had a hard hit on my credit because I applied for a credit card at XXXX. I called them and dispusted it, XXXX XXXX is looking into it. Then I called the main store directly and was told the employees get perks for having people apply for credit cards. I want this hard hit off my credit and that person fired and charged with fraud. Completely illegal and wrong. I have a witness and receipt. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened XXXX accounts at US Bank on XXXX XXXX, 2014. I opened a savings account with over XXXX and a checking account with over XXXX. When I opened the checking account I asked for it to refuse atm and check card overdrafts, but the customer service representative had issues with his computer. It went down and he had to reenter all of my information. I believe he made a mistake. I had to enroll in a XXXX a month transfer to the savings account from the checking account to participate in the start program. At that time, it was electronically taken and I had forgotten that it was to come out on XXXX XXXX, 2014. On XXXX XXXX I received and overdraft, on XXXX XXXX I received XXXX overdrafts and on XXXX XXXX I received another overdraft. XXXX of the overdrafts was for a purchase under XXXX I have included their rules that say the purchase has to be over XXXX to warrant a fee. That 's when I realized that there was a mistake in setting up my account. I called online banking and they refused to help, the banker said I had to change it online or go to the bank. I went to the library ; I did not have online access at my home. I could not change it because I was not on the same computer it was set up on and I had not set up the account previously. I went back to the bank and he refunded XXXX of the charges. As you can see from the attached paperwork I paid XXXX in overdraft. All XXXX purchases did not even equal the fees. I would like the other XXXX overdraft fees refunded, based on their mistake, because I would not have kept purchasing if the debit card had declined in the first place. I had another debit card at XXXX XXXX XXXX XXXX, I would have used it instead. I also want the fee removed for XXXX for a XXXX maintenance fee and XXXX for forced closure. I checked my debit card in XXXX and the machine said it was not available. I could not add or take money out. I want any reports to the credit bureaus rescinded and I hope you fine them. I would like my XXXX back and they need to remove my name from their collections account for closing fees when they had already closed the accounts. 

Thank you for submitting your complaint to the Federal Trade Commission. 

Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : XXXX XXXX to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number:XXXXto help us quickly retrieve your 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 2016-06-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Rash Curtis and Associates contacted me twice after receiving a certified letter asking for proof of debt and to cease and desist communication. The letter was received XXXX XXXX at XXXX. 

I then received a robocall and after a brief dialogue, informed the first representative that I work at home, the call was interfering with my job, and I previously asked not to be contacted. A couple hours later, the robodialer called again and the second representative confirmed notes from the first call. 

The frequency of automated robocalls indicates the beginning of a harassment campaign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had medical emergency at XXXX XXXX XXXX in XXXX. We paid all the bills in time except a small bill for {$97.00} from XXXX XXXX XXXX XXXX which we never received. During this time we also moved so XXXX be the notices were lost in mail. Surprisingly 7 months later we got a collection notice on XX/XX/XXXX from PAYACEI ( dated XXXX XXXX ) based in XXXX VA. We immediately called XXXX XXXX XXXX to investigate and made payment for this balance on XXXX XXXX. 

We have also received paid in full statement from XXXX XXXX XXXX yet XXXX claims that we owe this money to them. When I called to explain, they were rude and continue to insist that We owe them the money which we already paid. I believe that this company is fraudulent and uses abusive tactics to collect debt, even if it is already paid off. 

The reference number for this notice is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle from Wells Fargo in XXXX. My payments were 74 months which my car would had been paid off in XXXX. Wells Fargo state my last payment was received in XXXX. Wells Fargo states there was a balance of XXXX, but never received letter and this is now XXXX and I still have the car in my possession. Wells Fargo sold the account to XXXX XXXX, then to XXXX, and now XXXX claim they purchased the account in XXXX. I never received any mail and thought my car was paid off until XXXX someone hit my car and insurance still listed Wells Fargo as the lien holder. I called Wells Fargo and the lady was like you still owe XXXX and something, I ca n't remember the correct amount. I sent the check of XXXX from the insurance and XXXX in XXXX. Never received my title. I have a car that I do not need for some years and want to get rid of it. I called Wells Fargo for title and they said to call the people who the account was sold to. Called all the places listed in statement. Superlative wanted me to pay XXXX and I asked what happened to the money sent and told the guy XXXX, I have the receipts and need my title. Keep in mind this is not on my credit report never received mail from these people but yet they have my title. This vehicle is a XXXX in my possession and I told the guy if I still owed on this car why Wells Fargo never repossessed the car back in XXXX.I finally called XXXX back and told the guy I am seeking an attorney then he said yes a check was received in XXXX and I asked why it was not deducted from the amount owed. Keep in mind I am getting different amounts. The gentlemen at XXXX now want to investigate, but he hung up on me just as the other guy at XXXX did when I started asking about the money sent in XXXX. I am tired and just want my title because this is longer than 7 years and I need my title. They keep selling the account and no one is checking into nothing. Please help! I hope other people are not getting ripped 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 explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, I am working to fix my credit and have been able to dispute charges on XXXX XXXX. XXXX has since removed all disputed charges but Equifax continues to report the charges. As of today XXXX/XXXX/2016, I have faxed over all requested information to Equifax a total of 3 times. I spoke to XXXX different CSR 's at Equifax and XXXX told me that my fax was not received, although I have the fax confirmation for both. Also, I disputed the charges via mail as per the " Fair Debt Collection Practices Act ''. XXXX of the letters were returned stating that the address for XXXX Solutions and XXXX XXXX XXXX, did not exist. This is why I disputed online. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Denied credit from XXXX. Called XXXX was told MISSING credit info from XXXX. Ordered Equifax credit report and all info missing from XXXX to present BLANK nothing. Applied for XXXX card died reason missing credit information. Called Equfax could do nothing but send me the report. sent me report and ALL INFO MISSING from XXXX to present. Disputed online 2 more times. No Response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TO : CFPBFrom : XXXX XXXX : XXXX Reporting and EquifaxThank you not only for your help on previous matters but, the sincere heartfelt participation and effort of your group has made on my family 's behalf. 
Unfortunately, This is likely my last correspondence concerning this matter, frankly I just give up. 
For those of us who played by the rules and watched our lives be destroyed by unscrupulous servicers XXXX, we appreciate you. It would be great to get my credit rating back where it was and receive lower interest rates, cheaper insurance and credit cards, maybe a decent student loan. The XXXX settlement simply was n't and will never be enough. My bankruptcy was filed XXXX XXXX transferred in to XXXX, never reflecting the correct reporting as required on FCRA, it 's been a circus since then. 
I attached XXXX things, the Equifax reporting I just received in the mail and the actual transfer letter from XXXX XXXX. It 's not a XXXX XXXX issue, it 's an Equifax issue. No need to go back XXXX. 
I only have a XXXX education but, I can certainly read the Account History Status Code Descriptions. 
A-Labeled XXXX thru XXXX to reflect XXXX to a 149 days past due. Please read their " Account History with Status Codes '', does it not have the numbers XXXX thru XXXX being reported? 
B- Above it, it states " STATUS '' 60-89 days past due. 
C-Above that it states ( XXXX columns of from the left ) " DATE OF LAST PAYMENT '' XXXX, that is Equifax just not being serious, they transferred it without receiving a last payment. XXXX See transfer disclosure- ignore writings, that was XXXX BK Dept info ). If Equifax is counting the Check XXXX wrote to buy the loan as last payment, then every time a loan is transferred the cycle would start over. I believe FCRA intended for the last payment made be from the consumer. 
The date of last payment is important, under FCRA it 's 7 years to delete this line item. If they just make this up, my family is harmedI can only supply the proof, the rest is up to them. The entire reporting of the XXXX XXXX is to be deleted per FCRAXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The State of Colorado has no legal authority to put to a foreign case on my credit report. It has to be done by the country with whom the legal issue revolves around. 
XXXX has not responded, they just keep messing up my credit report. I have 30-31 days to make a car payment, and they keep saying I am 30 days late, I have never been 30 days late. I make XXXX payments per month in the month. I also have a 3 month payment deferment which they seem to of forgotten all about last year. 
XXXX XXXX has turned my debt over to a collections agency now both are showing the same debt. I returned the Items but I get no response from them or the XXXX credit agency 's. 

THE credit monitoring and reporting is a real SCAM!!! The system is so inaccurate and when you try to correct it nothing happens except they want and take your money which it should not coast anything to keep track of your life history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have called XXXX several times. My health insurance paid a bill that is on my report as collection. XXXX does not seem to care and this is reflecting a job offer. XXXX XXXX XXXX, XXXX ignored letters from my XXXX XXXX XXXX requesting additional information. XXXX has on file the amount of times they notified XXXX XXXX XXXX. I called XXXX several times and XXXX time to tell her that I drove down to XXXX XXXX XXXX to obtain copies of the visits to send to XXXX. I then let XXXX know that XXXX has everything they need and will process and pay the claims. XXXX ignored my communication and sent it to collection. XXXX XXXX XXXX refused to refill my prescriptions until I paid the invoices. XXXX has paid them and they have cashed the checks. XXXX has said several times that she reversed the collection. Each time I call the collection agency they state no one from the office will confirm. Meanwhile this is on all my credit reports when in fact I am owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We applied for a loan in XXXX XXXX, Colorado XX/XX/2016 and Wells Fargo collected {$1000.00} by credit card for them to do an appraisal on the property. After a couple of weeks of loan review, Well Fargo underwriters would not approve the loan. Since the appraisal had not been done we were told that our {$1000.00} would be refunded. They said that it might take up to 60 days which I thought was an inappropriate use of our money and questioned the long wait time. Wells Fargo charged our credit card immediately but when it comes to a refund they do not move as fast. 
This event took place on XX/XX/2016. It has been 67 days and no sign of a refund. I question this practice on the part of Wells Fargo Bank and feel that it should stopped. Any action that can be taken to help us retrieve our funds will be appreciated.

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 2016-05-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My APY on my money market account with Santander changed from 1.25 on my XXXX/XXXX/XXXX statement to 1.10 on my XXXX/XXXX/XXXX statement to .75 on my XXXX/XXXX/XXXX statement. I received no notice or notification about the change in my APY nor authorized the change with Santander or agreed to it. This is highly concerning to me as this is a violation of Banking regulations and warrants a complaint. I did try reaching out to Santander customer support and they gave me no written excuse. Instead they told me to call a customer support number which I did and sat on hold for XXXX minutes and could not hold any longer. I think it is ridiculous that the Bank could not respond in writing. I believe this Bank is treating its customers Unfair and are being deceptive about their business with its customers. I would greatly appreciate the CFPB and the regulator of Santander to perform an exam of this Bank and identify all its control breakdowns and deceptive acts and other potential regulatory violations.

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
Consumer complaint received 2022-10-01
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: Account status incorrect

Complaint:
XXXX has reported the wrong balance owed to the credit beaurus the amount of XXXX. The correct amount owed is XXXX not including the payment I made that's pending to post. I included screenshots of what the bearus say I owe XXXX shots from my account of what I actually owe. including my social and I'd for verification XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015 I paid a debt of {$98.00} XXXX, ( with a XXXX ), for an outstanding balance due. It was finalized on XXXX XXXX. So last month when I was checking my credit report, I disputed this charge because it had been paid month 's ago. The dispute was acknowledged by the company at which time they posted it as an existing outstanding balance again and this time it was reported to XXXX as well as XXXX as such and has lowered my credit score because of this. I contacted XXXX personally today and they showed where this debt was paid on the dates listed above. I then called the billing department with XXXX as well and she acknowledged it had been paid as I had stated. She stated that she would be contacting AMCOL to have them remove this item. However, I am very upset that this has become an issue and feel as though I am being negatively impacted by the poor and unethical reporting processes conducted by this company. I want this fraudulent information removed from my credit report immediately and my credit for this matter repaired. I am hoping you can assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
Lender is not updating my loan status in the Va Data bank to reflect loan was paid - check cleared my bank sent them the receipts every one I speak with gives me a ref number telling me it will be uodated then state I have to wait 10 days and speaking to the Commonwealth of Va number says they just have to update the Va Database would like this resolved asap

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
there are XXXX open accounts with XXXX that were added to a chapter XXXX that should be closed and not on my report.There should be XXXX open accounts on my file.

Company response to consumer: Closed with explanation