BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an account with Wells Fargo in 2012, after awhile they started charging fees of oddball amounts that were never on the same date every month, which in turn caused my account to overdraft multiple times. I had talked to someone at the bank in person and they did nothing about it, told me that they were fees for holding that account even though it was suppose to be free checking. I was not included in the settlement and I should have been.

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 2023-08-01
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the persistent harassment I have been experiencing from New Rez Mortgage Company. Previously known as Green Tree, they have disregarded my explicit instructions to contact me exclusively in writing, as stated in a letter on file from the time when the company was still Green Tree. 

Despite my repeated requests during phone conversations for them to refrain from calling me, New Rez Mortgage Company continues to ignore my requests and cause me significant stress by persistently contacting me regarding my mortgage. This behavior is in direct violation of the letter in my file, which explicitly states that they should only communicate with me in writing.

I strongly urge New Rez Mortgage Company to thoroughly review my file, where they will find not only the aforementioned letter that they are blatantly violating but also my impeccable payment history. This payment history clearly indicates that my mortgage payments are consistently made on the last working day of each month. 

I trust that the Consumer Financial Protection Bureau will take appropriate action, as you have done in the past, the complaint number for the former complaint is XXXX, in that complaint is where I also provided a letter to the mortgage company to contact me only in writing. I have also paid my mortgage by phone during the first quarter of 2023. When asked by their agent, if they could use my phone number to contact me I said no, they are not to contact me by phone, and if that call is recorded that is further proof that they are in violation of the no contact by phone request and is thus harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Sequium Asset Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notification via XXXX that my credit score went down. Looked into the issue and saw that a debt collection had been added to my account from SEQUIUM ASSET SOLUTION ( original creditor : XXXX XXXX ). 

The notification indicates that I supposedly owe {$7500.00} to the debt collection agency. The date the account was opened was XX/XX/2023 on account number XXXX. I have never used XXXX XXXX XXXX and never received any information about this supposed debt aside from the notification from XXXX. 

I disputed this debt collection via XXXX and nothing was resolved. I will be attempting to file this dispute directly through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have a promotional balance with Best Buy of XXXX $ that I had to pay by XX/XX/2023. I payed the promotional balance on my account on XX/XX/2023. I noticed that after that my account still had a promotional balance. Best Buy added the payment to the regular payments and not the promotional balance. I called Best Buy and they said they fixed this issue on XXXX that I wouldnt have a problem. I still was seeing a promotional balance on my online account and tried to fixed it before XX/XX/XXXX Best Buy said it was okay that they took care of it. XX/XX/XXXX came and now Best Buy is charging me XXXX interest for a promotional balance that I payed and the interst was not even supposed to be that high. I called Best Buy already talked to two supervisors one said they cant see my XXXX statement and he cant do nothing. The other supervisor said to pay XXXX $ more by XXXX and he removes it. I dont agree I just payed my promotional balance and want the interest charges removed from my account. Please fix it my credit will be affected and I will take action with the law to fix this injustice.

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 2023-06-15
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX Fox Collection Agency contacted my father, XXXX XXXX, to request he update his and/or my personal address in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was incarcerated in 2021 and that entire year a " friend '' XXXX XXXX, got control of my phone, thus online connection to my USAA bank account and got her self added to my account, she got a representativeto send her a signaturecard to be added as a user to my account. She stole over XXXX and the bank only reimbursed me for the money she took by swiping a debit card. Not reimbursing me for the multiple XXXX wire transfers or XXXX transfers. Your company should refund those transfers and XXXX as you allowed hee to gain complete access to my account with no questions. I've been a member for 20 years. I'm going to take you to court. I am going to spread this story across social media.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Talked to a representative at XXXX on XX/XX/23 at XXXX XXXX. She explained they needed my address and I verified my address and I asked her what has the company ( XXXX ) done to fix the error on the credit report she said they have updated that information and just needed to verify my address. XXXX still has the same information no correction or removal of the information of another consumer information on the report the only thing that was updated was my address at the bottom of the report but the same information as the refuse to remove the information. I have sent my information to an attorney as I have tried to rectify the situation by including CFPB and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: GOLDMAN SACHS BANK USA
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Card was reported stolen on XX/XX/XXXX Apple Card ran by Goldman Sachs closed card On XX/XX/XXXX a purchase was made by a clone digital card ( after card was reported misused ) Apple awarded {$26.00} as daily Apple Cash accrued for said purchase which was then returned by hacker As of XX/XX/XXXX I no longer had access to account or apple Wallet to have been able to receive {$26.00} I have contacted bank numerous times to explain this was not able to have been received by myself, as I no longer had access to this digital wallet They continue sending me back the response that I am still responsible for such purchase and cash award and now expect me to pay them the {$26.00} when I don't believe I am responsible as I had already reported the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Google Compare Credit Cards Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had an account with XXXX XXXX in XXXX of 2022. I canceled it the following week because I couldn't receive service. I Called them to see how to return devices was told I could not return because it was financed through synchrony bank. Was told I would get XXXX more bills which I got in XXXX and XXXX. Received a noticed balance was paid in full and they owed me {$29.00} refund. Well didn't receive a bill or email and they charged my account {$490.00} on XX/XX/XXXX. Called customer service several times and just getting these generated answers. No one can tell me when I received this bill. Asked to speak with a supervisor several times and received generated emails back. They do not have a supervisor that can speak over the phone. When called back they said I did not get a bill because it's on their website. I couldn't use their site since I canceled my service in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
American Express continue charging interest for purchases on my monthly bills despite agreeing to the interest rate of 0.0 %. I contacted American Express 3 times in the past 3 month, about this, each time they produce my monthly bill. Every time American Express acknowledged that this was done incorrectly, but never the less continue including these charges in the next bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank of America has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.

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 2023-06-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/23 this bank refused to close account with XXXX balance ending in XXXX because they conflated my data with previous closed account ending in XXXX, resulting in freezing account. This is an fraudulent attempt to blackmail me into funding a closed account to avoid future monthly fees.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to contact Jefferson Capital to obtain information which is currently on my credit report as a collection. I tried calling It's all automation, when I put in my information it states my account is being handled by yet another company and states to hang up and call another phone number/ company. I tried using Jefferson Capitals online service but when I put in my information online it states they can not find my information. If I owe anyone I'm willing to pay but I need proof of what I owe and whom I owe. I do believe they're using false tactics in order to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Westlake Services, LLC
State: CA
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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. 

Please fix the following accounts : XXXX XXXX Balance : {$41.00} XXXX XXXX XXXX Balance : {$3400.00} Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposited a mobile check into my account of {$600.00}, account said it would process by the end of the day, when I had checked up on my account the deposit said it wouldnt be ready till XX/XX/XXXX. I have called capital one, the bank I am using to see about an early release. They said to call today, XX/XX/16 and do an early release. When I called today they told me my account and the check werent under the same name. When I checked, the account and check both had the same name. Due to the companys mistake of not putting my first last name my card only has one of my last names. They told me they could not release the funds on the original date and that they could not cancel the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My Credit report is showing that 2 Capital one charge offs i have paid off was Illegally reporting monthly on my credit report, as this is a violation of the FCRA. Charge offs were not supposed to be reporting monthly. Please delete charge off accounts from credit reports as this is illegal or i will seek an attorney for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the amount of {$1500.00}. from a company called ERC stating that they are trying to collect a debt owed to XXXX XXXX XXXX. I have never had any account or accounts with XXXX XXXX XXXX. The reference # XXXX was provided by ERC, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation