BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Discover card reduced my credit line without the required 45 day notice as required in violation of Section 226.9 ( c ) ( 2 ) ( vi ) in an attempt charge me an over the limit fee by putting me below my current owed balance. 226.9 ( c ) ( 2 ) ( vi ) states : 9 ( c ) ( 2 ) ( vi ) Reduction of the Credit Limit Consistent with the XXXX 2009 Regulation Z Rule and the XXXX 2009 Regulation Z Interim Final Rule, the Board proposed to retain 226.9 ( c ) ( 2 ) ( vi ) to address notices of changes in a consumer 's credit limit. Section 226.9 ( c ) ( 2 ) ( vi ) requires an issuer to provide a consumer with 45 days ' advance notice that a credit limit is being decreased or will be decreased prior to the imposition of any over-the-limit fee or penalty rate imposed solely as the result of the balance exceeding the newly decreased credit limit. The Board did not propose to include a decrease in a consumer 's credit limit itself as a significant change in a term that requires 45 days ' advance notice ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: WELLS FARGO & COMPANY
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted XX/XX/21 by voice mail from a woman stating she was from service dispatch and she attempted to deliver a summons to me at my address. She proceeded to say the attempt would be made again and if the name address is incorrect I must call XXXX and speak to the company holding this debt which is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX. Otherwise I would not be receiving further communication for legal process to begin. You have been notified. I called their office and gave them my case # XXXX-XXXX. A man named XXXX XXXX stated I owe a debt from a Visa card with Wells Fargo and it was from XXXX. He then proceeded to say they could place a lien on my home and although this is no longer on my credit report they can still collect on this debt for XXXX more years. I advised I was not aware of this card. He said dont you check your credit report? He then said the balance is {$7400.00} because of legal fees and interest. I said I do not have that kind of money. I would have to get a loan. He said hold on let me see if they will give an extension. He then came back to the line and said your extension would only be until Fri. XX/XX/21 and the settlement amount will be {$2900.00}. He then asked my email address to send me the paperwork and told me it would need signed. When I received the document it listed my social security number all of it on this piece of paper. Also the deadline date on the paperwork did not match what he told me verbally. The date on the paperwork stated deadline of XX/XX/21 which is today the date of our conversation. I opened it and printed it out but did not sign anything and will not. He told me if I decided to pay to call back and the debt could be pays by debit or credit card or electronic check. This all concerns me because I was notified by my HR Department back in XXXX or XXXX that someone stole my personal information and placed a claim with my employer under my name for unemployment benefits. I was so shaken up that I didnt ask any particulars such as their license number and if they could collect in West Virginia, or to request they send me documentation from Wells Fargo on this debt. I also advised I have never received anything in the mail from Wells Fargo or those Law Firm. He said well we have sent things. I stated the fact that I have never received anything at my home address. I am unsure what to do. Is this a scam? The statute of limitations for WV is 10 years. Also at the bottom of the document it states to not share any part of this message to any third party without written consent of the sender! This cant be legal?!! I am truly afraid and not sure where to turn or know what my next step should be? Please help! 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: Sequium Asset Solutions, LLC
State: FL
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:
1 collection accountTotal balance : {$810.00} SEQUIUM ASSET SOLUTION Original creditor : XXXX XXXX  {$810.00} Balance updated XX/XX/2021 What happened? 
The dispute for the account with SEQUIUM ASSET SOLUTIONS that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : SEQUIUM ASSET SOLUTIONS Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA XXXX I have XXXX never would use XXXX. I live in Florida have not been to Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i received a SETTLEMENT OFFER FROM CONVERGENT OUTSCOUCING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX CONVERGENT ACCOUNT XXXX AMOUNT XXXX OFFERING SETTLEMENT XXXX SPOKE WITH REP WHEN I ASKED FOR WHAT ADDRESS THEY ARE SHOWING SHE STATED ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO REP I FILED AN IDENTITY THEFT AFFIDAVIT AND A POLICE REPORT WIHT XXXX POLICE XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ON XXXX THE REP AT COLLECTION AGENCY SAID SHE WAS SENDING ME A FRAUD ALERT PACKET I ALSO CONTACT XXXX ANS XXXX THEY DONT SEE THIS ANYWHERE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! Huhn!!!! Just because I wanted to dispute items? What does one have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Over a month ago I deposited XXXX dollars into my account and it was immediately suspended following the deposit. After speaking with chime I was told I needed to send in identity and address verification. I supplied documentation and the account was not unlocked. After multiple emails and phone calls that resulted in nothing happening, I requested the account be closed. I have done that 3 times now and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the fdcpa please look into this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid off my auto loan in XX/XX/2013. Capital One has been reporting the account as 30 days late since XX/XX/2013. I have been denied credit many times because of this incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: U.S. Collections West, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have recently been looking for an new apartment. I have been denied due to a judgment on my credit which was for an eviction for a property called  XXXX   XXXX . I was told that it was being handled by a collection company calle d UScollections West. I  called the property in  XXXX  to find out why they placed a eviction on my credit. I was informed by the lady at the office that they were new management and that there wer e two differe nt property owners who were no longer there and that they were no longer in business. I was told that I should call and talk with the collection company. I called  UScollections West and  talk with a man who said that they had signed documents from the court that I appeared and pledged guilty to the eviction. I advised him that there is no way they would have any documents that I signed and pledged guilty to any eviction and that I did not owe anyone anything that all monies that were owed was paid at the time of me moving out. I advised him that I had to show proof it was paid in order for me to get my new apartment that I moved into right after moving out of   XXXX   XXXX   XXXX  . He wanted to know if I had any receipts I told him no due to me not keeping anything past a year o r two  and this going back to  XXXX    XXXX  . He told me that I could pay {$5000.00} to settle the account. I told him the account on my credit was not even {$5000.00}. He then told me that I actually owed  XXXX . I told him I would not pay for that is not fair. He then gave me the court and attorney information. I called the  XXXX   XXXX   XXXX  court and was advised that there was not Junction filed against me and that there should be nothing on my credit. I filed a dispute with the Credit Bureau and was told that my dispute was denied due to the company saying it was valid. I filed another dispute with extra information and was told that it could take 30 days. I called  XXXX  on  XXXX   XXXX  and was advised that the eviction and judgment was removed off my credit however UScollection s West just ch anged the account to a collections account. I have been sent paperwork that has no signature of mine and I have no way of contacting the property management company due to them no being in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
HSBC has an illegal lien on this property, they charged off the note 10 years ago and sold the account. Since then the note has been sold several times. At this point due to the last co to own the note went bankrupt, and now no one has any information on it. I had the house sold but it fell though because hsbc would not release the illegal loan they they still hold My lawyer requested a release and they refused. Ct Statute say an illegal alien is when the party has now legal claim Which they do not I a XXXX veteran on a fixed income and can not afford a lawyer for This Please make them release the lean I get offers every day for this house but can not sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, my new key bank express account balance became {$0.00} being withdrawn by bank. I opened this account to get {$200.00} promotional offer if t terms had been met. It says that to deposit 500 or more within the next 60 days to get XXXX. It turned out that it was misleading to begin with. Several bankers said that correct one would be it requires one time automatic payroll deposit of 500. In this case it is discriminatory to someone who get paid every week. it happened the same thing before. My account got abruptly cancelled without any explanation on XXXX this year after 1 week.Bank said i was not qualified for the account because i owed the money. But this is controversial. The bank did after 16 months of original date of the incident where it claimed to deposit to my account by accident for 3 months until the bank pulled all the money from my accounts when i thought the money was given as some type of settlement for the disputed unemployment insurance benefit. The money also got deposited the next day since i got a sudden phone call from banker asking me if i were interested in opening another account with just {$10.00} opening deposit. After money is withdrawn from the account that is not involved with its money deposit, it left about {$350.00} negative balance and accounts got closed by bank. It has been more than 16 months now. it suddenly freezed my accounts and withdrew money without my consent from the account that it said later i was not qualified for and closed the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AFNI collection agency has reported an account to the Credit Bureau as being delinquent and in collections. This company has not attempted to contact me VIA telephone nor US mail. The address they have on file I never lived at. They have not validated this debt with me. The original account was with XXXX XXXX XXXX and after reviewing the police report and Identity theft affidavit they determined that this was not my responsibility I am currently with XXXX XXXX XXXX and account is in good standing. Would a company allow me to continue to have services if I have an old balance. They are in violation of The Fair Credit Reporting Act. This is not fair to me as a consumer. Please do not share any of my contact information with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: BANK OF THE WEST
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
GOOD MORNING, I have a newly created loan with the BANK OF THE WEST, I put down {$8000.00} on XXXX/XXXX/2015, the payment was {$540.00} monthly, I was told if I put down more money {$12000.00} the monthly payment would be lowered to {$400.00} monthly with a new contract superceding the XXXX contract that was to be destroyed, however I received notice that on XXXX/XXXX/15 due is {$540.00} and when I call Loan officer XXXX XXXX XXXX XXXX XXXX Bank of the West, XXXX states that in his notes he wrote to disregard the XXXX XXXX/XXXX/15 contract that XXXX/XXXX/15 contract with addition money from XXXX was to lower payment to XXXX and this was the loan to be processed, I ask XXXX how this happen XXXX replied it was an error, I asked for a letter stating the that XXXX contract XXXX/XXXX/15 was supercede by XXXX contract of XXXX/XXXX/15 was the bank error of which I have not received and BANK OF THE WEST loan officer XXXX XXXX REFUSES to return calls to me .however a XXXX XXXX XXXX Bank of the West XXXX XXXX XXXX has contacted me, on behalf of the credit dept, and I ca n't get a answer to my issue which is pressing, My concern is if I make payment of {$540.00} on XXXX/XXXX/15 which I 've received notice for of which this loan application was to be destroyed as per XXXX XXXX that the superceded loan application of XXXX/XXXX/15 for {$400.00} will be demanded of me thus having to pay XXXX loans for the XXXX RV motor home when asked of XXXX this she replied I ca n't answer that I don ; t have the second superceded loan application yet, now I 've call XXXX at Bank of the west and left a message that If XXXX call me with fax # I would fax to her the XXXX contract XXXX however I XXXX is not returning calls either, I am very much afraid that I will be paying to loans to the tune of over {$200000.00} and I ca n't get answers but {$540.00} is due on XXXX/XXXX/15 and then {$400.00} on XXXX/XXXX/15, I feel I am the victim of the banking industry predatory nature, I be grateful if CFPB would look into this, there is also a inquiry ref. # from a call to CFPB # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Prosper Marketplace, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I want to make a complaint regarding Prosper.com. This loan company is applying all my payments to interest and claims that it is due to the COVID-19 pause that I took advantage of in 2021. Since then, they will not tell me how much interest is due even though I am paying them back regular installments since XXXX. Also I have tried to call multiple times to see when I can expect to have the interest paid off and they will not provide a response. All I want to know is when I can expect to see all the back interest paid 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 2017-05-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Account ending in  XXXX  open date  XXXX   XXXX  Amount {$5400.00} Account ending  XXXX  open  date  XXXX   XXXX  Amount {$410.00} Account ending in  XXXX   open date XXXX   XXXX  Amount {$880.00} I have recently sent a letter stating that this account does not belong to me and if they are unable to verify this account to please have it removed. I have also asked them to disclose to me all of the documents that they have on recorded and retained in their file.     The  15 U.S. Code 1681g - Di sclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer.     I did not receive any documentation within 30 days to validate that these accounts belong to me.     the CRA 's have ignored my request to provided me with the documents that isintheir files that they used to verify the disputed accounts which means thatthey have NOT verified orthey can not verify any of these accounts and under Se ction 611 ( 5 ) ( A ) of the FC RA they are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When I go online to sign into my  account with Wells Fargo Bank, they have a credit card advertisement for a {$200.00} bonus after spending {$1000.00} with the new card. I found it very tempting and applied online. They responded 'pending ' after I submitted my application. Then I received their letter of disapproval of my application. The reason they gave me was I have 'no consumer accounts with Wells Fargo ' . I have an account with them sin ce 1967.  Ca n't they find me in their stupid system?     I believe they deny my application is because of my last name and my age as well as they are stingy about their {$200.00} bonus. What kind of stupid reason they conjure up to deny me credit -- not a WFB customer? I hereby request that they triple check my account with them and give me some better reasons for disapproval or simply approve 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 2015-07-01
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a negative acct on my credit report from AFNI a debt collection agency. The original creditor is XXXX XXXX XXXX. I have disputed the date with XXXX 3-4 times now. I have called AFNI concerning the date and was told they do n't have records of anything more than my personal information and the amount of the debt. I have been told the time of the debt on the credit file is XXXX yrs from the date of last payment. I have a past due bill from XXXX XXXX XXXX dated XX/XX/XXXX but AFNI has challenged each time listing it as XX/XX/XXXX which is when I believe they purchased the debt. I have been dealing with this for about 6 mths now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BANK OF THE WEST
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This has been an ongoing issue. I had a Bank of the West checking account around the years of XXXX. I moved out of the area and had closed the account. Around XXXX/XXXX/2012 I received a call that I had an outstanding debt to Bank of the West in the amount of {$390.00}. The collection agency was " XXXX '' out of XXXX XXXX, CA. Upon receiving their call I immediately called Bank of the West ( which I am sure was a recorded phone call ) I talked to several people there assuring me that I did not owe Bank of the West any money and that my account was closed in good standing. Interestingly enough after that day I did not receive any further collection calls regarding the issue. However I check my credit reports today and it is still showing up damaging my score. This was not ever a debt, I do not know how it showed up there. I have tried to contact the collection agency several times and they can never find my information, almost like it never existed, but sure enough there is sits on my report. I would like this information removed from my credit reports.

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