BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-30
Company: WELLS FARGO & COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made a payment on my checking account for my credit card. My deposit did not credit until the next day. This caused my bank account to overdraft XXXX The next day I credited the account but still have an overdraft fee. I ca n't afford to pay this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: BARCLAYS BANK DELAWARE
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My father opened an account with Barclays and added me as an authorized user. He passed away XX/XX/21. Ive tried getting them to remove this account from reporting on my credit as it is affecting my score. They will not remove it.

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 2021-12-18
Company: Russell Collection Agency, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need to know more information about this debt. I want to see records. I did not receive any mail indicated I owed anything to anyone. 
All my accounts are paid up and then this random one shows up and claims Ive been in default since XXXX of 2021? 
Ive never even used XXXX XXXX. 
I need to know dates and be send the evidence because I am taking this to court if we dont figure this out. 
This is making my otherwise great credit look terrible.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.

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 2016-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling my cell phone without permission attempting to collect on a debt that is past the statute of limitations. They have even sent me a notice stating that the have no ability to attempt legal action due to this, but continue to call. I received notice yesterday that I was part of a class action lawsuit against them for calling my cell phone without permission between XX/XX/XXXX and XX/XX/XXXX, which they deny doing anything wrong, but they continue to do so to this day! In fact, I just now received a call! They call 3-5 times a day, and I have blocked the numbers they call from, but they just keep using different numbers to get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: Credit Karma, LLC
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 I submitted a deposit from my XXXX XXXX bank account to my credit karma bank account at that point it told me that it would be available XX/XX/21. So I setup my bill pay for XX/XX/21 for XXXX  XXXX credit card payment to come out. Credit karma reversed the transaction on the XXXX the same day that I was told funds would be available. This caused me to have a late fee with my XXXX  XXXX credit card payment. This is the 3rd time this happened, the first time credit one reversed the late fee, 2nd time I contacted Credit karma support and they advised me the funds were not available and that the payment not going through was my fault so I let It go. This time I KNOW this is not my fault and I submitted A support ticket for them to credit the fees because it is their fault not mine and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Grain Technology, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with XXXX. Up until XXXX of this year I have never had an issue until the following month. All of a sudden the autopay feature stopped working so I didnt notice that my payments werent being made, I only found out when a late charge appeared on my credit report. I contacted them about this on XX/XX/XXXX but I didnt receive a response so I just decided to make my payments every month manually which is what I did. 

I found out in XXXX that the app that they force you use to make payments was only simulating a successful payment they never actually took the money so it continued to accrue interest and late fees even after I kept making manual payments. I contacted them again making them aware of my issues even going as far as to include a video of me trying to make a payment and asking them what I should do to get my account current again as there was no way for me to make a payment. I contacted them on XX/XX/XXXX and Ive continued to reach out every other day but they refuse to respond and its is have a heavy negative impact on my credit. Screenshots and video are below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A default judgment for XXXX was entered against me because, the company ( portfolio recovery services ) asked the court to assume the debt was valid if I did n't respond within 30 days. I did n't, because I figured I 'd lose anyway. The amount I was sued for was a lot more than was spent on the card, & I had made payments before it defaulted. I have asked the attorney for billing statements to see the amount on it, but all I can get is the amount portfolio recovery services sent them that they said I owed. I would like to settle this for less than XXXX, but it 's been over 30 days since the judgement, is there anything I can do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX? I AM NOT SURE IF IT WAS ANOTHER XXXX XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX sent me a email with threats of taking my Social Security, payroll checks, plus terrible language of threats that they will prosecutes in court. This loan at XXXX was. Opened in 2017, by fraud XXXX closed the account after being notified by legal services at XXXX XXXX XXXX XXXX, due to financial fraud, and protected by Consumer Rights. Immediately following XXXX started sending me terrible threats, and posting on my Credit report, assigned later to XXXX  FOR COLLECTION, changing the information when the acct was originally opened.

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 2016-08-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am trying to close a checking account with Wells Fargo. I stopped into a branch in XXXX, WA on XXXX/XXXX/2016 to close my checking account. I was told I could not do so because there was cash in my account. I withdrew all funds and then was told I could not close the account because I had a mortgage with Wells Fargo. On XXXX/XXXX/2016 I returned to the same branch in XXXX, WA as my home had sold. I was then told that my account was closed. When I checked XXXX XXXX, I could see that my checking account had not been closed, so I went again to the local branch for the 3rd time to close my checking account. I was told that the account had been closed, but that it would take a few days for it to process through their system. 

I recently received a letter from Wells Fargo dated XXXX/XXXX/2016 indicating that my checking had not been closed and that it was being changed to an account that would charge me $ XXXX/ month if I did not maintain a {$1500.00} minimum daily balance or have qualifying direct deposits totalling {$500.00} or more each statement cycle or XXXX debit card purchases or payments linked to a Wells Fargo Campus ATM or Campus Debit Card. 

I am now on the phone again trying again to close my checking account. 

It feels to be like I am getting the run around so the bank can start charging me fees for an account I do n't use. I suspect that if I were n't constantly following up on this, I could easily be racking up fees without my knowledge on an account I thought had been closed. 

XXXX XXXX, Operations Specialist at Wells Fargo on XXXX/XXXX/2016 assured that the account was closed and that I would be receiving a letter in 5 to 7 business days to confirm closure. 

Even more disturbing though, is that the customer service rep who I spoke with when I first called in on XX/XX/XXXX gave a confirmation number on closing my account. When I asked to be connected to his supervisor she ( XXXX XXXX ) told me there was no confirmation number for my transaction. I do n't understand what is going on and why the customer service rep gave a confirmation number when his supervisor subsequently stated one does n't get generated.

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 2016-10-23
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is the XXXX addendum to my XXXX complaint. I returned a call to Wells Fargo, thinking that it was about this complaint. I could n't have been more incorrect. I spoke with XXXX XXXX and was informed that even though I signed all the mortgage documents on XXXX XXXX, now, a month later I still owe them {$640.00} because the title company screwed up the numbers. I was told that I need to call the title company. You can not imagine my level of frustration. To be honest, I am so sick of these banks not being held accountable. 
XXXX they try to take {$2200.00} out of my account that I did n't owe them. Then, they tell me that they had no record of my call to stop the auto payment, then they tell me that I have to call my bank to stop the payment. They then proceed to try and take {$2200.00} out of my account XXXX more times. In the mean time I 've been charged XXXX in overdraft fees and recurring overdraft fees. Oh and by the way, my bank wanted to charge another XXXX for each of the stop payments, which would have been another {$69.00}. Now, this thing about the title company screwing up!! Seems to me that a violation of the Electronic Funds Transfer Act and parts of the Real Estate Settlement Procedures Act occurred here. They keep telling me that I have to fix their mistakes and pay for their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I requested a new Credit Card " Barclaycard Arrival Plus World Elite Master Card '' in XX/XX/2017. One of the benefits I valued was Trip Cancellation/Interruption insurance. Upon arrival of the first card per XXXX I was able to find Document " Guide to Benefits XXXX '' ( appended ). It offered coverage of {$5000.00} per trip/ {$10000.00} per year ( page 26 ). The year 2017 was clearly marked on the document ( Last page ). When a second card arrived in the mail, it had an insert " Guide to Benefits XXXX '' which offered only {$1500.00} ( attached ). I have faxed twice to Barclay Member Services, and received absolutely no satisfactory answer. They did not even acknowledge the question or address it in any way but referred me to the telephone number on the back of the card. The telephone info I received was again that the benefit was {$1500.00}. This constitutes flagrant false and misleading advertisement and a company unwilling to respond. If I were to need the coverage for my upcoming trip I could loose {$10000.00}.

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 2017-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I purchased security for my computer in XX/XX/XXXX from a company named XXXX. They did not provide security, they actually put spyware on my computer. On XX/XX/XXXX, I received a phone call from said company, the person stated that XXXX had bought their company and was no longer going to provide security. I was asked if I wanted a refund. I said yes. I was then a victim of their fraud/scam. Somehow they we able to get into all of my accounts with Wells Fargo, transferred money from all my accounts making it look as though they refunded my money. They told me they made a mistake and refunded me {$7400.00} instead of {$740.00}. They told me to withdraw the overage amount and deposit it into another Wells Fargo account, I did so. When I realized that something was going on after looking at all my accounts, they had made several other transfers between my accounts. Within hours I contacted Wells Fargo Fraud Dept.. I have been working with Wells Fargo since XX/XX/XXXX in regards to all this. They are really good at transferring you to several people until you are thoroughly confused and frustrated. I received a phone message on Friday, XX/XX/XXXX at approximately XXXX from " XXXX '' from the fraud dept.. She went on to say that she was ready to credit my account for the refund, but that she wanted to talk with me first. I returned her phone call, but got no answer. I called again on Monday, XX/XX/XXXX, no answer. I left messages both days for her to return my call. On Tuesday, XX/XX/XXXX, her message said she would be gone until XX/XX/XXXX. I then called another customer service number, only to be told by them, that my claim had been denied. I asked " Why did XXXX from fraud dept. call me and leave a message stating that she was ready to credit my account ''? I have been getting the run around the whole time I have been dealing with Wells Fargo. I also have XXXX message saved on my phone. I am a XXXX year old single female and have no one to help me. My life has been turned upside down by all of this and I am in fear of having a nervous breakdown or worse from this. Wells Fargo is now claiming that I owe money on my personal line of credit, my credit card and has reported my name to the credit bureau 's. I am the victim and I did not do anything wrong. One of their employee 's even said to me that I had transferred the money in question, which I promptly told her that I did not. Wells Fargo does not stand behind their customers. They have devastated my life. I am unable to pay my living expenses and am in fear of being on the street with nothing.

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 2022-08-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report inXXXX XXXX, XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I have had an account at Capital One 360 account. The bank recently changed their log-in process so that though I knew my user id and password that was not sufficient. I was required to request a verification code that was to be sent to my email address on file. I tried this 3 different times but never received the verification code. At that point I called customer service to gain access to my account ( a federally insured savings account ). After 5 minutes on hold my call was answered and I was told that this was a two week old process and that it was having technically issues and that they were unsure when it would be resolved. Apparently the verification code emails were being processed by many email servers a spam and taking hours to be delivered even though the code is only good for 10 minutes. This basically amounted to denying me access to my account, they had no provision for texting a verification code to my mobile phone. The only option was to provide them a different email through a different email provider such as gmail, yahoo, etc. 
otherwise I had no access to my accounts or funds until they fix this problem. No institution serving as a bank should be able to basically deny access to individual accounts due to the bank changing procedures not vetted or tested to assure customer access to the consumer 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I used Paypal to make a $ XXXX monthly recurring donation to the charity " XXXX ''. The first donation was on XXXX XXXX 2016, and I used my XXXX credit card to make the transaction. I assumed the second and future donations would use this same payment method since I set it up to be recurring. However, on XXXX XXXX 2016, the funding source used for the second donation was my XXXX checking account that I have on file in my Paypal wallet. This is n't even my main checking account I use on Paypal, which is XXXX. And this change was done without my knowledge. I did not have sufficient funds in that XXXX checking account, which caused me a {$35.00} overdraft from XXXX. 

Why is Paypal allowed to default to another payment method which was different than the one I had selected for the first in the series of recurrent payments? It completely took me by surprise, and I was not informed in any way when I set up the payment, that my future payment methods would be changed automatically.

Company response to consumer: Closed with explanation