BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Wells Fargo sent me a letter telling me I was " ..among a select group of valued customers receiving an automatic upgrade to the Wells Fargo Signature Card. '' It went on to explain that this " upgrade '' would happen without any input from me, and listed " benefits '' none of which were actually of any benefit whatsoever to me. In fact, there were changes in the fine print to the minimum payment calculation that would be detrimental to me under certain circumstances. I am complaining because 1 ) the claim that this is an " upgrade '' is totally fraudulent ; 2 ) the change was made unilaterally- rather than asking me if I would be interested in the change, I was informed the change would be made automatically unless I made a phone call, costing me valuable time for no good reason.

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 2016-11-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please disregard attached file named doc XXXX and submitted as part of case number XXXX and replace with this recent submission. I am disputing the results of Wells Fargo 's investigation.

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 2020-12-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There's an account on my credit report that I've had enough of trying to dispute on my own with no results. Apparently there's a collection agency Vaunce and Huffman LLC, that is reporting on my credit report but has never sent me a single document to notify me of the debt or to respond back to me when I tried to reach out to them myself. I sent them various letters of the past few months which I will include as proof. I was nothing short of nice, respectful and well within my rights to request that they prove to me that they own the debt that are reporting to the credit bureaus and in return, ruining my credit score. I reached out to them on XX/XX/XXXX, then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I am having issues with a collection agency called Southwest Credit Systems ( SCS ) based out of XXXX, TX. 

In XX/XX/XXXX, I filed a complaint with the XXXX XXXX  Case # XXXX, because based on the dates this debt was first reported XX/XX/XXXX they reported me to the credit bureaus first, then based on the date on the collection letter XX/XX/XXXX notified me afterwards. 

 ( see attachment ) I disputed it and requested validation of this debt on XX/XX/XXXX ( see attachment ) and after filing the complaint with the XXXX  on XX/XX/XXXX SCS promptly deleted their collection from my report. 

Fast forward two years, this past XXXX, SCS once again reported me to the credit bureaus, so I filed another complaint with the XXXX  on XX/XX/XXXXXXXX XXXX Case # XXXX, ( see attachment ) only this time they continued to refuse to validate the debt and delete the collection on my credit report. 

FYI, both the collector and their client were unable to provide any proof of their allegations against me. 

I also filed a complaint with the Texas Attorney General, complaint # XXXX and I am currently waiting for a response from them. 

I even spoke to several attorneys who say I have a case and that I can sue them, but they want between {$2500.00} and {$3000.00} in retainer fees. 

Also, based on hundreds of complaints this company has a habit of operating in this manner and of brushing off requests for validation of the debt by ordering customers to file an affidavit of fraud, which is not only inconvenience, but a laborious and time consuming hassle and something I am not obligated to do, because ultimately the burden of proof lies on them, not I. 

What's more, I am entitled to be notified of this debt in writing and to have an opportunity to dispute and request validation of this debt within a 30 day period. 

I was not afforded these rights, because they simply reported a debt that they have been unable to verify and that had already been deleted two years ago again. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: National Credit Systems,Inc.
State: GA
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:
My daughter was a student at XXXX living in a two bedroom apartment. We had to move due to the apartment was shutting down due to mold and other issues. I personally drove to Louisiana to move my daughter. I cleaned and made sure the apartment was in the same condition it was given to us. I gave them there apartment back cleaner than it was given to us. Upon returning the key no one came by to do a final inspections with us to discuss any issues. Then I received a bill for which I have no clue what it is for. I did not receive my deposit back but this bill. After receiving a credit report that my score was reduced because of a collection from National Credit Systems on behalf of XXXX  XXXX  XXXX XXXX. 
I was never informed as to why I am being bill the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
HSBC XXXX XXXX # XXXX HSBC CXXXX XXXX XXXX # XXXX On XX/XX/2022, I noticed something strange happening to my credit cards. A new credit card ( XXXX XXXX XXXX ) was added to my profile, and whatever charge or payment was posted onto my old credit card ( XXXX XXXX XXXX ) was being posted and adjusted onto the new XXXX XXXX  XXXX. I thought, this is just a system error, and probably, would get resolved in an update, etc. Few days passed, and I contacted HSBC customer service, and after the agent reviewed everything on the account, I was notified that ostensibly on XX/XX/XXXX, a letter was sent out to me, saying that if I no longer satisfy the XXXX relationship requirements, I will be downgraded. I never received that letter, and more importantly, I satisfied the HSBC XXXX requirements through both my HSBC deposit accounts in the US and my linked HSBC XXXX deposit accounts inside XXXX, and then downgrade has occurred by mistake. 
I contacted customer service one more time, on XX/XX/XXXX, and requested my XXXX XXXX XXXX to be upgraded back to XXXX XXXXXXXX, as obviously I satisfy the XXXX requirements, and the system has downgraded me by mistake. I was told by the agent, after a lot of communications with the back office, that I need to " re-apply '' for the XXXX Credit Card and they can not automatically product change again. 

So, essentially, HSBC without proper notice and communication, and by mistake downgraded me to the HSBC XXXX XXXX  XXXX, and it was OK for them to product change me on their own, but now that I am pointing out their mistake, and want my old XXXX Credit Card ( which I paid a {$XXXX} Annual Fee for in XXXX, and did not even get to use it for the full year ), I have to go through a new application, and can not be automatically product changed... 

This is double standards, and absolutely unacceptable. I, hereby, request HSBC bank to product change my HSBC XXXX XXXX XXXX to the HSBC XXXX XXXX XXXX, and give me my old credit card back, which I paid an annual fee for, and was downgraded by mistake, and without proper notice, and communication. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have debt that the company Alliance One is trying to collect from me. They sent me a letter regarding the debt stating to call them to set up a payment plan agreement, i then called and they stated they dont do payment arrangements and that they wanted the whole debt paid off or they will pursue legal ways to deal with me. I then asked to speak to a supervisor seeing that this wasnt right in how they are treating people. After futher looking into the debt that they are trying to collect from me, its to old of debt back from XX/XX/XXXX which is way past the Statue of Limitations laws in the state of washington regarding debt. I received a phone call yesterday on XXXX regarding the debt and they were overly aggressive, rude, and threatened to sue me and garnish my wages over debt that was to old to collect besides the XXXX parking tickets from XXXX courts. I told them at the moment i was homeless and did not have that much money to my name and that i was recovering from a car accident from XXXX XXXX. They did not care and said there attorneys already filed with the courts and the only way to stop the garnishment was to pay the biggest ticket at that time. So i took money i did not really have and paid {$260.00} to Alliance One and they said if i did not pay them {$300.00} a month on a XXXX that they will sue me. They have broken the federal fair debt collection practice act and i would like this dealt with immediately. I dont appreciate being threatened especially over time-barred debt that legally they cant do. The debt that they were threatening to sue me for were old cable bills with click cable located in XXXX WA. XXXX of them wasnt even in my name it was in my wifes name. I have gotten an attorney on the matter as well and would like for this divsion to also look into how this collection agencie is breaking federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to HSBC Premier account promotion by opening an account with them before XX/XX/XXXX. Before I opened this account, I did call to check with HSBC and did confirm that I do qualify for this promotion. 
However, I did not received the promotion after mid-XXXX. I chatted with the customer service and was told that I have satisfied all the terms for promotion but have to wait till mid-XXXX  for the promotion credit of {$470.00}. I checked again on XX/XX/XXXX and they confirmed I do qualify ( see attached first pdf email from them ). However, upon checking again, I was told that I do not quality today ( see attached second pdf email from them ) HSBC is cheating their customers. I have three times repeatedly confirm with them the promotion. If they were to tell me the truth at the beginning, I would not have to waste time open the account and made effort to fulfilled all their terms. 
Please help me look into this matter and have HSBC honor their words. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: PA
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  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX  XXXX  XXXX XXXX. XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/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 explanation
Consumer complaint received 2022-08-17
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX  XXXX XXXX and Zelle - XX/XX/2022 - Approximately XXXX EST  - Scammed amount is {$300.00} I was scammed {$300.00} via XXXX XXXX using the company Zelle putting a hold on the money and the buyer/scammer had to send an extra amount for the hold to be lifted and I have to return it. I was in a verbal phone call with the scammer and I was manipulated and pressured. 

I have called XXXX  XXXX XXXX immediately and I was transferred to the Zelle Fraud deparment. An agent stated he filed a claim and it will take 45 days to get a result. He also stated that what happened to me was a scam and not a fraud since I " authorized '' the payment, and zelle most likely will not credit me back the {$300.00}. 

My complaint is why they even bother putting a claim and get my hopes up when it's almost not gon na get credit back. I even borrowed that money from my dad and it added more pain to myself. I do understand I'm at fault as well, but everybody makes mistakes especially if I was being manipulated. Additionally, I never have received any warnings from both Zelle and XXXX  XXXX XXXX about these type of scams, If I had gotten this information from them maybe I would have not made the mistake. Please whoever is reading this and will handle this, I beg you to save me from awful emotions I'm having right now. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender, Fifth Third Bank, has placed my home in foreclosure due to a force placed escrow in the amount on approximately {$1300.00} which I had no knowledge of. I was making my payments monthly to Fifty Third Bank and they were not applying my payments to my account. They served the tenants that are currently renting my home with foreclosure papers. i found out about this situation when my tenants notified my property manager that they were served. Fifth Third Bank should not have served an individual other than who they were supposed to serve. Upon inquiring about this situation with Fifth Third Bank, I was informed that My home was in foreclosure. When I asked why it was in foreclosure, since I had made my payments monthly. They said they sent me a check each month because they considered my payments partial payments because they did not include the escrow. I had no knowledge of the checks they sent or the escrow.after going over information, I realized, I had not received their correspondence because they had not included the correct apartment number. Now Fifth Third Bank says I am past due and in foreclosure status. To my knowledge I was not past due. They just did not apply my payments. They created this foreclosure by their tactics. This is a huge misunderstanding and I feel it should be reversed because this foreclosure status is due to an escrow I had no knowledge of and tenants should not have been served with foreclosure notice. I requested a meeting with Fifth Third Bank to discuss this in hopes to reverse this. They stated that they will email me to set up a meeting but have not done so. It has been 36 hours since my request to speak to the proper department to address this. I also asked for an address to make contact via mail so I can have written records and they said they could set up a meeting but did not grant me the meeting or mailing information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Coinbase, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with Coinbase ( for 3 years ) where I buy and trade Bitcoin as an investment opportunity. I have funds locked in a Bitcoin XXXX  that need to be moved to my Bitcoin wallet ( part of their normal security process ). There are multiple layers of security and 2 email addresses are required. One of my old email addresses is no longer active so this is preventing me from receiving an authentication email to get my funds. Coinbase no longer has a phone line for customer service ( I assume due to covid ) so email is the only customer service available. I first emailed them about this problem XXXX, receiving a generic email thanking me for contacting them and someone would be in touch soon. I waited one week, heard nothing, email again -- same generic response back. Emailed again every day from the XXXX. Finally on XX/XX/XXXX I get a response saying the only way to fix this is to have them move the funds to my wallet, delete the vault, and then I could create a new vault and be back in shape. They sent a link asking me to verify my id ( send phot of drivers license ) which I did. On the XXXX I get the same email asking me to verify again which I did and got confirmation that it was verified. Today ( XXXX ) they email me saying if they don't hear from me my case will be closed due to no action on my part. BEYOND FRUSTRATING that my investment money is locked with no access and their lack of customer service is causing me to loose money every day as the Bitcoin market fluctuates like a stock price. Amazing that this company wants to go public with an IPO and yet has virtually no level of customer service when funds are locked and unacsessable. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had contacted Citi regarding my Home Depot card 's allocation of my payments being applied incorrectly. Prior to making the payments ( payment info : {$580.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX ) I updated preferences to allocate excess payments to pay a promotional ( 0 percent interest ) balance that was coming due in XX/XX/XXXX. The company did not apply it as requested. This misapplication will cause me to pay interest in XXXX if not resolved, causing consumer harm. I attempted to resolve this thrice with online customer service agents, indicating the payment is not being allocated appropriately. I received generic responses that did not address the problem at hand. I requested an investigation be conducted, as I am disputed the allocation of payments, which should be covered under either Reg E or Reg Z as incorrect transactions.

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