BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has placed a debt on my credit file about a debt that I know nothing about. I have contacted them regarding this matter numerous times with no response. They are being an annoyance to both myself and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: IL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was using PayPal for many years. However, last summer, PayPal decided to put restrictions on my account as it pertained to sending and receiving money, as well as depositing the money into PayPal. I was not given a specific reason as to why this occurred, and tried to speak with the company on multiple occasions, to no avail. Their customer service either did not pick up the phone, and when they did, they were not helpful with their replies. I also emailed multiple times and no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Currently on a landline and cell phone calling BBVA Compass. I 've already been on hold for over XXXX minutes and counting. It appears that this bank does not want to answer my question/concerns. I 'm currently out of footprint, and would have to drive XXXX hours to get my credit card issue handled. I 've used the call back option before, but the problem is they call back and give no information why they are calling back. How do I know this is n't XXXX of the many telemarketing callers I get. So when you do answer, it 's typically hours later while you 're doing something else and not thinking about the issue. Good luck trying to get a live person on the line. It is because of this that I rather wait to get my issue resolved. Very frustrating, and it comes across that the bank does n't want to take customer calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
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:
I am a Santander credit holder. I made a payment to my account on a Thursday in the amount of {$450.00}. The account was made at a branch in cash but they refused to credit the account immediately as has been done repeatedly in the past. 

Instead, they didnt " apply '' the credit to the account until the following Tuesday and the available credit never reflected a credit of {$450.00}. 

I complained, asked customer service and the branch level to audit the account for my security at which time it was found that two online charges of {$500.00} were attempted ( declined ) one second apart.

I asked for the fraud department to investigate further and was told there was no fraud because the card declined the charge. All they did was reorder another card. 

There was apparently a breach on the card yet I feel the credit company is not doing enough to discover how. 

They have still not fully investigated what I believe to be the {$450.00} missing credit. 

This feels like an aggregious level of financial abuse because the company does not have any concern for it's cardholder feeling as though they've lost out on such an amount.

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 2022-10-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my credit score. The company does not provide customers with an up to date credit score in the credit score section of the mobile app. Today is XX/XX/XXXX using the credit score tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my credit score to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This is a XXXX complaint ... I am not seeing my situation as a choice so I chose Contact me after I asked not to ... The FIRST is that this purported debt collector, ARS, Account Resolution Specialist has been calling me for months to over a year and continually asks me for my personal information over the phone. There is no way for me to know who I am speaking with. When I refuse to give out my information, even after I say that I am myself, they hang up. This is harassing in nature. If they have my information and call me they should say what they have to say ... not continue to call me and ask me for my personal information. They are not accomplishing anything other than to PHISH for my information and seems to be a very unethical business practice. I suspect, but do not know for sure, that they are trying to collect for a medical bill which leads to the SECOND related complaint ... I suspect the debt is possibly from XXXX XXXX XXXX in XXXX XXXX ( I was very ill about 2 years ago and had to see several doctors ) XXXX seems to regularly and frequently sell their debts to varied collectors. If this is the case, then XXXX too is at fault in that when I call XXXX I am told I have one balance which on its face seems as if the insurance company has paid something else, but in reality there seem to be additional remaining debts attributable to XXXX that are impossible to track because XXXX has cast bits and pieces of the debt out to varied collectors and XXXX is either unwilling or unable to provide the debtor 's information to me. There is no way for me to have an accurate accounting of what I owe. This is unduly burdensome and virtually impossible to track. I received the most recent call on XXXX/XXXX/16 about XXXX CST. Also my father was in XXXX long ago XXXX and I am not comfortable including his information in this site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Bankruptcy in XXXX of XXXX. Debt collector did not start calling until XXXX. I have not received no paperwork about this debt. Abusive language was used and person did not listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I have a credit balance of {$46.00} with BBVA Compass bank on a closed credit card. I have been into a branch 3 times, first in XX/XX/XXXX, in order to try to obtain the balance and they have made broken promises each time that a check would be on the way. It has now been 3 months and they have not paid me the money I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Vengroff Williams, Inc
State: LA
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:
I received a notice from a collection agency ( Vengroff Williams ) and am contacting you because I do not owe this debt. This was settled with XXXX back in XX/XX/XXXX. I picked up the trailer in XXXX for a XXXX way trip to XXXX. When I went to turn the trailer in at the XXXX location, the place was closed. I then called the XXXX number and was told just to drop it off. They would take care of it on their next business day. XXXX charged my credit card and then refunded the amount after I called them explaining what happened. I called the collection agency when I received the first notice. Today ( XX/XX/XXXX ) I received a XXXX notice for VW. I did submit a dispute to XXXX today as well. Also, I do not have any paperwork from XXXX on this because it is from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is for an emergency room visit for an infant that I was babysitting at the time he became ill. He is not my child, I have never had custody or guardianship over this child and this company continue to try and collect this debt from me. This account is impacting my credit score and my ability to obtain a mortgage loan and it is not mine. I have provided this company with the names of the child 's parents and they still associate me with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As per the provisions of the Fair Credit Reporting Act, my rights have been violated by the creditor. Section 602 of 15 USC 1681 affirms my right to privacy, which has been infringed upon. Furthermore, Section 604 A ( 2 ) states that a consumer reporting agency may not furnish account information without obtaining my written consent. Additionally, according to 15 USC 1666 ( b ), a payment made towards a credit card account under an open-end consumer credit plan can not be treated as late for any purpose by a creditor. I kindly request that this matter be thoroughly investigated and that any necessary corrective action be taken to rectify this violation of my rights. 

Capital One Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Remitly, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
my complaint is because of the following This transfer company named Remitly keeps my transfer every time and when I cancel it it keeps my funds for 15 or more days my money is not returned immediately and this happens to me often the last transfer with that problem is the number XXXX XXXX XXXX XXXX for an amount of XXXX Dlls. made on XX/XX/XXXX of this year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NJ
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:
Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights. 

15 U.S.C. 1681 section 602.A. I have the right to privacy 15 U.S.C. 1681 Section 604.A. section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Other

Complaint:
Us bank is denying me my welcome bonus offer on a credit card. 
Us bank customer service is horrible they are not giving me information i need about my account and they are not posting my payments to my account, yet they are taking my money. 

I opened a credit card account with usbank back in XXXX. 
After spending a few thousand dollars on the account they shut me down as a credit risk. All I did was utilize my credit line. Nothing changed on me credit report before I applied and after. They just dont want to give me the bonus. 

A separate issue is what happened today. My husband had called in on my account to find out basic information about my account. They gave him a whole run around, and the end result they put a fraud block and no one is able to access the account. I called in and they keep on transferring the call the XXXX, the credit analyst who originally shut down the account and put it in restrain. The XXXX customer service reps ca n't get it straight that I am not calling about the restrained rather this fraud block. 

I am trying to figure out what happened to all the payments on made on the account. I made payments and they seem not be reflecting on the account. I need to know what 's going immediately. It appears the payments I have been making have not been credited to my account and as a result I have made more payments and by now I should have a large credit balance. However there is no one I can speak to. 



Sincerely Yours, XXXX XXXX CC # XXXX Phone number 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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}

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 2016-09-16
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I took a mortgage with XXXX XXXX who had LoanCare processing the payments. Then, XXXX 's XXXX sold my mortgage to LoanCare. I have had nothing but problems with LoanCare. They have never been able to process my payments in a timely fashion. Or, they misplace my payments or my payment just happens to be sitting on someone 's desk. When they do process my payment on time.They always are calling on the XXXX of the month to tell me I am late. They never post the payments on my statements when they finally do process the payments on time. For example ; I had my XXXX XXXX payment posted on XXXX XXXX per what the phone stated and when the check went through my checking account. But, on my statement on XXXX XXXX, XXXX it does n't show that I paid. The due date states XXXX XXXX, XXXX and it is even double the amount. Every time I call they take forever to answer and when do the people are rude, they hang up on you, and do n't have a clue on what they are talking about. They tell me I need to send my payment to another address. This has been has been the issue every single month that I have paid my mortgage. They are also using several different names other then LoanCare. I think that someone needs to go in and shut them down our show how to process payments. Their staff is horrible. I will be actively looking for a new place to pay my mortgage. I truly believe this company if frauding the system and keeps switching names so you guys do n't go after them. I was just on the hold for over a hour and still know on answered. I had to call back. They are telling me my payment is late even when I mailed it on XXXX XXXX, XXXX and they have n't received it yet. My credit is being ruined by them. Please shut this company down!

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 2022-04-22
Company: Experian Information Solutions Inc.
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:
Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-12-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have flood insurance money $ XXXX that is sitting in a restricted escrow account at Wells Fargo where my mortgage is. I have been calling for the last 2 months to learn how to apply these funds to my mortgage and I have been given the run around. I have done everything that Wells Fargo has asked and they have NOT done anything on their end that they have said they will do. I am told repeatedly that I will get a phone call back and I have never once been contacted. I am told the claim has been moved to the Mortgage department from the Property loss department and that has not happened either. Every time you call they are very nice ; however, they do n't do what they say they will do. 
I have sent sales agreements, contact information for realtors and title company officers that are selling my home, signed letters, memos, etc ... and I am still waiting for the transfer of funds to occur. 
Wells Fargo has the money and I am asking them to apply these funds to my mortgage and they are stalling, refusing, incompetent, something of the above. I spend an average of 30 minutes per phone call and I have called easily 20 times. I do n't have this kind of time to spend on the phone repeating myself and 'waiting ' until the end of business day for it to be resolved and then it is not resolved.

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 2016-07-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
As a customer of Wells Fargo Bank for 6 years I applied for a Cash back credit card. On the application form I filled out my details as suggested and gave all my information. I was denied a credit card on the grounds that I was not a citizen or a green card holder. Upon inquiry I found out that as a resident Alien on an XXXX XXXX that the bank ran a credit check and denied me a card but nowhere on the website does it mention that only citizens or green card holders can apply. I Asked the bank why it was not mentioned on the form and why no banker would mention it? They said it was against Federal Law to to discriminate people while applying. This is misinformation because people apply but they do n't meet the standards for qualifying. So this is a violation of Federal law indirectly and it is discrimination. No other bank would deny me a card based on my citizenship. As long as I have a social security number and a good credit score that should be all the the Banks need. Do look into this matter as Wells Fargo is very discriminatory as to who they provide credit too. I am a resident Alien legally working and paying my taxes and bills on time. I should not be denied basic Banking services based on my citizenship. My credit score took a hit because of misinformation.

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 2016-09-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
XXXX : Wells Fargo Bank in XXXX florida I do n't know if this was a bank involved with employees opening accounts and using clients money. But my elderly mother complained that she had {$20000.00} missing from her account and does n't know where it went. We tried to help her but she is adamant about our minding our own business, that she can take care of it herself. After reading the blog on WFB I was wondering if that is what may possibly have happened to her account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation