BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Well i had a checking account with fifth third bank in  XXXX  Michigan. And i had a overdraft go through because theyed payed a bill earlier than the date i set up on billpay. So it charged me  XXXX  dollars so i called and asked what happened and they said that the pitcular bill is sent out through the mail and they dont have the control of when it gets there. But they said they would refund the  XXXX  dollar overdraft fee. So they asked if i wanted a overdraft protection i said no i will just pay my bills a different way. But then i went on my credit report and it said fifth third bank has removed there inquire. So i called and asked why they looked up my credit report they siad they didnt but he will look into it and call me bac k 2  weeks go by and no call so i go in there to close my account and the guy heard me from the office and comes out and said just come with me and brought to the top person in charge a women. And she said  XXXX  you wanted to apply for a credit card and i said no i didnt she said i have it on file. So i said show me and she went into her computor and couldnt find it so she said well it is on paperwork so went into her desk drawer and went through two months of paperwork and couldnt find anything and said i guess you didnt. I dont know what to say she said. Now i definitely was closing my account and a few days later i get a letter from them with a new debit card saying they had a security breach my information maybe compromised here is a new card. So i just want this on file so they dont do stuff like that. Compromising my credit info.i had been there for two years and never had a overdraft or a credit card through them. So i dont understand shy you would operate your business like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was scammed via a fraudulent job posting on and was asked to wire {$1900.00} in funds using XXXX XXXX to a number. XXXX XXXX uses XXXX  as their bank. The funds and number was used The XXXX XXXX account was linked to my debit card at Wells Fargo. I also contacted XXXX and they were not willing to do anything. 

Initially I reported the incident to my local Police Department to file a police report. I had contacted both Wells Fargo and XXXX XXXX about the incident and they had mentioned there is nothing they can do because it was a Peer to Peer transaction. I also contacted my U.S. representative and there is nothing they could do. 

After the additional CFPB guidance was released in XX/XX/2021 about XXXX platform transactions and after finding out about it today, I reached back out to Wells Fargo and XXXX. Both institutions are pointing to each other saying neither are liable. XXXXXXXX XXXX said since its linked to my Wells Fargo debit card they are not liable. Wells Fargo said that XXXX XXXX is liable since the transaction came from XXXX As a consumer, I am stunned by this lack of inaction. I went and applied for a posting on XXXX to provide for my family, with XXXX little girls, after just being laid 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 2017-04-24
Company: Strategic Alliances, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notified on  XXXX / XXXX / XXXX  that my Credit Report had changed due to Collections filed against me with all  XXXX  major Credit agencies .by First  Financial Investment Funding . First Financial  had made no attempt to communicate with me regarding the debt prior to my discovery.   XXXX    provided me with their contact information. When I spoke with them they told me they had no obligation to contact me. I disputed the debt and asked for verification. With the information they had given me I contacted the debtor myself ...  XXXX   XXXX   XXXX ,  XXXX  Georgia. The Hospital faxed me documents from  XXXX  verifying the debt. I paid the debt immediately. Had  First Financial Investment Funding  simply followed the guidelines regarding debt collection my credit rating would not have been compromised. My research on  First Financial Investment Funding  has shown what they did to me constitutes the way they do business. If this company is allowed to continue this practice them the guidelines are meaningless. Aside from what they actually did, the few conversation I had with them leads me to believe there are issues regarding them that should concern us all. Because they did not follow the rules I would like them to remove all negative remarks from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Avant Holding Company, Inc.
State: MD
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 am writing to inform you and to dispute a credit card issue. I was approved for a credit card with AvantCard on XXXX XXXX in the amount of {$300.00}. On XX/XX/2021 at XXXX EST, I received an email from AvantCard saying " this email is to confirm that your AvantCard has successfully activated! 

I called customer service at XXXX and informed them that I never received a card, so how could the card be activated. The representative informed me that a statement was due in XXXX days and that the card was used in Washington DC. The representative proceeded to cancel the the card and said that a new card was issued. 

I received the new card, activated that card and attempted to use the card and it declined. I called customer service again, and was told by the representative that I was responsible for a card that I never received. I also asked the question how was the card activated without a social security number. 

I am kindly asking that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the  XXXX  in this case. I already filed a complaint  XXXX / XXXX / XXXX  and not only has not been resolved but it is impossible to communicate with them once I enter the loan number. They sent a new application to the borrower ( FHA case that got a TPP with  XXXX  at the end of last year/first payment made/ XXXX  closed case in  XXXX / XXXX / XXXX  ) that I am about to submit and fax did n't go through ( twice ), I tried to called to confirm the fax number, three times and was put on hold by the system aroun d 15  minutes each time and nobody answered.  XXXX   XXXX , (  XXXX  )   XXXX     manager  of this account is never available, nor backup agent so, I finally left a message to  XXXX   XXXX  from the advocate team, (  XXXX   )   XXXX .   I am sending FHA  XXXX  agreement sent by consumer befor e HAMP expired.  XXXX   sold the loan on  XXXX   XXXX   XXXX  BayView  should  honor the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All of my  Capital one ac counts were included in my  DISCHARGED Chapter   XXXX  Bankruptcy in  2013  ... YET they continue to update the accounts monthly!!! By law they can not continue to update and damage credit after a  discharged bankr uptcy!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citibank ATM ate my {$1800.00} and gave an transaction error receipt and I reported it to the bank employee immediately its been 8 days now with no cash back in 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 monetary relief
Consumer complaint received 2019-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello I need a Full Investigation on all my banks and any card issued under my social security number XXXX I have not been paid and assets where stollen for a Wells Fargo Settlement

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 2021-12-09
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX, am a natural person and I do not have a relationship with Hunter Warfield. I do not know why they are reporting this erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was injured at work. On  XX/XX/XXXX  i received a letter from New York state saying they made a determination as of XX/XX/XXXX  they felt i was still unable to return to work. My credit card was due on  XX/XX/XXXX , in an effort to be proactive before i was late on my payment I called barclays bank on XX/XX/XXXX at approx.   XXXX   XXXX   ( i have all calls recorded to and from the bank if you require copies ) and told them my situation that i waas unemployed, currently recieving public assistance and awaiting a disability hearing from social security and would be unable to make my payment. I was told that they would be able to help me but i had to call back after my account was late becuase nothing could be done if my account was current.
So i called back on XX/XX/XXXX  at approx   XXXX   XXXX   ( recorded ), the day after my payment was due, this time i was told yes they could help me but not until my account was at least 30 days late and that i should call back at that time.
On XX/XX/XXXX  i was looking over my accounts and noticed that my barclays card was now listed as being late and a late fee was applied. So i called back that day at approx.   XXXX   XXXX   ( recorded ), and after going over everything on the phone with them again only to be told " sorry theres nothing we can do to help you, good luck with your disability case '' so i contacted to office of the president at barclays bank on XX/XX/XXXX a woman called back from that office on  XX/XX/XXXX  and told me they absolutely could help me and put m on the phone with another rep. I again went through everything with them again only to be told sorry theres nothing that can be done.
I was illegally deceived under false pretenses into allowing my accounts to become late and these people refuse to do anything about.I am   XXXX   and unable to work, my life savings has been drained my 401k has been drained i have lost my home my cars and everything i worked for due to my injuries and the entire time still managed to keep my credit cards current until now, as i explained theres nothing left, these people used deceitful tactics to get me to allow my cards to go late with them, knowing hey would do nothing to try to help me, and now almost every day i get emails from them stating " your account is past due call us we have many options to help you get back on track '' Something needs to be done about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion says it verified a collection in my account through XXXX XXXX This is not true because my XXXX XXXX account has been frozen for years. i asked to show me a contract for the {$130.00} they sent to collection. Anything showing i had an account with this company and they did not provide then information. transunion is illegally reporting items. they have the burden of proof not me yet they continue to report it without proof. now i was denied for a loan specifically because of this item. you need to address this illegal activity.

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 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC FOR THE AMOUNT OF {$970.00} that was reported on XX/XX/2015  and is continuing to be reported. I have contacted the credit bureaus to validate the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed as a result of it not being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For four months I have tried to resolve the issue of my XXXX  loan modification with LoanCare , LLC. LoanCare rep stated it was mailed in XXXX, however we never received it. I've made numerous phone calls asking to have this paperwork resent and/or emailed with negative results. I reached out to the XXXX for help in this matter, with NO assistance. 
On Tuesday, XXXX XXXX, XXXX I was finally able to get a rep to email the paperwork. We got it notarized on XXXX XXXX and overnighted on XXXX XXXX. I called on XXXX XXXX to make a payment and they refused. 
My spouse and I have lived at this property for over XXXX years, and are now starting to feel this company is trying cause us to lose our home!!! You can NOT get through and speak to anyone within a reasonable time. You cant speak with the same individual. This is an absolutely horrible company that is NOT bound BY any ethical principles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I mailed a letter to experian in regard to an inaccurate collection account, company is XXXX XXXX XXXX XXXXXXXX. {$330.00}. This account was found to be inaccurate and removed. now the company has relisted the account without any form of mailed communication. They did not provide me with debt validation of a copy of the ORIGINAL CONTRACT WITH MY SIGNATURE FOR THE DEBT. They did not provide me with the FULL PAYMENT HISTORY FROM THE ORIGINAL CREDITOR. They did not provide me with the ADDRESS of the ORIGINAL CREDITOR. The collection company did NOT SHOW PROOF THAT THEY OWN or HAVE BEEN ASSIGNED THE DEBT TO COLLECT.

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 2022-04-28
Company: EQUIFAX, INC.
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I WAS A NEW CUSTOMER WITH CAPITAL ONE TRYING TO RESTORE MY CREDIT AND DUE TO THE FACT I AM JUST COMING OUT OF HOMELESSNESS AND HAVE TO DEPEND ON THE PAYMENT I GET FROM THE GOVERNMENT I WAS 6 DAYS LATE MAKING A PAYMENT. I MADE THE PAYMENT AT XXXX AND IT WAS NOT REFLECTED IN MY ACCOUNT. I HAVE MY RECEIPT THE PAYMENT I OWED WAS {$25.00} AND I WAS CHARGED A LATE FEE OF {$25.00} FOR BEING 6 DAYS LATE. THAT IS ROBBERY. THERE IS NO WAY MY LATE FEE SHOULD BE AS MUCH AS MY PAYMENT. 
ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: DISCOVER BANK
State: GA
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:
In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: BAM Management US Holdings Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I have withdrawn XXXX XXXX  cryptocurrencies via XXXX XXXX on XX/XX/XXXX XXXX. I entered my wallet address incorrectly when I was going to withdraw to another exchange ( XXXX XXXX ). When I realized it, I contacted my exchange, but they said that they could not stop the transaction, the support line did not deal with the transaction in any way, they just said they were sorry and the transaction could not be withdrawn, they did not accept my loss in any way. Plase help me?

Company response to consumer: Closed with explanation