BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a complaint against Equifax/XXXX. This that I am writing is evidence that I am correct and Equifax wants to keep reporting incorrect information in my credit report, simply because according to them it is the regulations that they follow, I do n't understand these laws that they follow and the regulations that they follow because this account that I am disputing of XXXX XXXX that is being reporting in an incorrect manner in my credit file by Equifax. I has been many months that I have been disputing this account and this account that I am going to attach, received by mail, Equifax ignore whatever information and evidence I give them and violate the federal laws in protection of the consumer ( XXXX ) even though I give them all the evidence I can they still have n't deleted this account from my credit report. Today, XX/XX/XXXX, I had contact with the Department of Disputes in XXXX of Equifax , I told them all of this and about the account of XXXX XXXX and as well as XXXX. Overtime I have phone contact with them different stories to tell me to justify their unfair and all their fraud that they have caused on me, one of the executives told me that even thoughI have all the physical copies and evidence I can have that because I have multiple investigations open they ca n't close the case without having the proof from the banks, they do n't want to own up to their responsibilities or their job. The executive that I contacted in the morning that in XX/XX/XXXX the account of XXXX XXXX was deleted, but she says that because I have other accounts open even though I have given enough information and physical evidence they ca n't close those accounts, which seems to me as an absurd excuse to justify this unfair act that was caused upon me, because even though they have more evidence that I can give them and proof that other institutions also agree with me why would they keep going on with the lie that I am in the wrong and why would you treat me and my case like this? I have been very kind with them and all I get back is an unfair and absurd excuse to give me, they do n't care about my case and they just do what ever they want with it without following the federal laws. Exactly the same with the account of XXXX, at this point I think it is personal that they do n't want to delete my account because there is no other explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Kriya Capital, LLC
State: IN
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:
This company has never sent me any information in regards to any debt, the only reason i ever noticed it is because it showed up on my credit report. I have attempted to contact them and request a debt verification letter. they refused on the phone call. This directly violates the F.C.R.A. This company also refuses to verify any information when i contact them and try to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My mother sent me money from her Wells Fargo Bank account to my XXXX XXXX XXXX Account. It was sent on XX/XX/2017 and it is XX/XX/2017 and have not yet received the money. I have an email showing the transaction date of XX/XX/XXXX but not money as of XXXX EST. I am XXXX and trying to return home and have limited access. This is absolute unacceptable that a bank is allowed to hold onto money this long. It has been officially over 3 business days. If I was to transfer money to my mother the other way around she would get it less than 24 hours. How is it a bank can hold on to money transfer this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
ON XX/XX/XXXX16 I WAS ATTEMPTING TO MAKE A PHONE PAYMENT WITH MY PRE PAID CARD TO MY CELLULAR PHONE COMPANY BOOST. I WAS UTITLIZING THIS METHOD TO ESTABLISH A PAYMENT HISTORY VIA MY PRE PAID DEBIT CARD. AS I BEGAN TO FOLLOW THE PROMPTS FROM MY CARD HOLDER, I INADVERTENTANLY PUT IN THE WRONG ZIP CODE, AND I WAS DENIED ANY FURTHER ACCESS TO THE ACCOUNT DO TO THE FACT I HAD FAILED THAT PART OF VERIFICATION. AS I WAS INSTRUCTED TO START AGAIN, I GAVE ALL ACCURATE INFORMATION, AND MY PAYMENT WAS PROCESSED. IT WAS A SHORT TIME LATER THAT I SOON DISCOVERED THAT I HAD BEEN CHARGED TWICE FOR MY CELLULAR PHONE BILL. AS I CONTACTED BOTH PARTIES, MY CELLULAR PHONE COMPANY HAD ONLY RECIEVED XXXX PAYMENT, HOWEVER MY CARD HOLDER HAD INDEED PROCESSED THE FIRST PAYMENT, BUT PLACED A HOLD ON IT DUE TO VEIFICATION, AS WELL AS CHARGED A SECOND PAYMENT IN THE FULL AMOUNT, WHILE THE PAYMENT WAS APPROVED. AS I HAD MANY DISCUSSIONS WITH BOTH MY CARD HOLDER AND MY CELLULAR PHONE COMPANY, IT WAS QUITE EVIDENT THAT MY CARD HOLDER WRONGFULLY BILLED MY CARD AT THE ONSET OF MYINITIAL TRANSACTION WITH THE FULL KNOWLEDGE THAT I DID NOT PROVIDE ACCURATE VERIFICATION INFORMATION, AND FOLLOWED SUIT BY BILLING ME AGAIN WITH THE ACCURATE INFORMATION, HOWEVER MAKING NO ATTEMPT TO RECTIFY THIER PREVIOUS MISTAKE, AS WELL AS LAY BLAME ON MYSELF AND MY CELLULAR PHONE COMPANY BY STATING THAT THE FUNDS WOULD HAVE TO BE HELD FOR XXXX TO FOURTEEN DAYS TO ASSURE THAT THE CELLULAR PHONE COMPANY DOES NOT PROCESS THE TRANSACTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Ive been having problems with Wells Fargo saying that I have an available balance in my checking account that o do n't actually have so I removed overdraft protection off my account so that I would not be able to spend what I do not have. My account is overdrawn because of a transaction that was allowed to go through when I did n't have the money and I was charged an overdraft fee. I also have a purchase pending that I paid for with debit so should have been instantly removed from my account. Wells Fargo is continuously conducting fraudulent activity on my account. The reason the law was made for banks to give people the option to remove overdraft protection was for this very reason and wells Fargo is doing their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
It was recently announced on the news that all students who attended the now-defunct for-profit XXXX XXXX school should have their loans completely forgiven. But Navient keeps insisting that I continue to make payments despite this announcement by the U.S. regulatory settlement. 

My name is XXXX XXXX and I am a victim of the predatory loans acquired from attending the deceptive school XXXX XXXX. Please contact me at XXXX and email : XXXX, to help me settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX college took out a private loan in my name and then when they closed i found out that they had taken over {$20000.00} in federal loans plus $ XXXX+ in Pell Grants and XXXX Separate private loans for XXXX $ XXXX+ and XXXX XXXX XXXX for $ XXXX+. My tuition was only {$29000.00}. So this does not add up. The private loan company for XXXX has no idea what to do as far as discharging my loan. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called Wells Fargo in the past about our PMI payments. It was my understanding that we needed to pay a certain amount of our mortgage down. By the time I got them to take off the PMI, we had reached a loan to value ratio of XXXX XXXX. It is my understanding that, by law, the mortgage company is supposed to cancel the PMI aXXXX XXXX XXXX  XXXX. Wells Fargo will not reimburse me or give me credit for all the extra PMI payments I made.

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 2016-10-31
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX 2013 I did a loan modification due to being delinquent in my house payments for approximately 6 months. Since it was thru Wells Fargo Bank everything was done thru the mail. On a {$84000.00} loan, I was required to take out a second mortgage for {$32000.00}. I 'm certain some of that was because I was {$6000.00} arrears but it was never explained to me what the additional {$26000.00} was for. I do n't have any documents showing itemization. I have asked many times and even put it in writing for copies of all loan modification documents from XXXX 2013 but today the bank has n't complied. Their phone number is XXXX XXXX XXXX XXXX. Thank you for your help in this matter.

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 2016-12-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo has been allowing my checking account to be debited {$9.00} per month for approximately ten years and this was unauthorized. I am concerned they are involved in a fraud.

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 2022-11-02
Company: CITIBANK, N.A.
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:
On XX/XX/2022 paid total amount due, {$200.00} On XX/XX/2022 company, Home Depot cashed my payment. 
Companies Closing Statement Date was XX/XX/2022. 
Home Depot kept my payment of {$200.00} and gave me store credit. AND ... ..... 
Turned me into collections, harming my credit score!!! 

I am aware of dates being close with transactions. BUT their billing cycle is 30 days and should have been picked up on XX/XX/2022. And a retaction should have been sent to XXXX, XXXX and XXXX. 

Want Home Depot to Retract Report Of Non Payment. So my credit score can be repaired by their False Accusation of non payment.

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 2016-08-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1 the entire amount was {$400.00} plus 2 I try to get my annual fee remove because I was n't aware of it. 
3 I closed the account so I can pay the amount little by little but nex mouth was XXXX or XXXX more 4 I wanted to pay them what I owe but the y keep on bringing the amount up 5 the were always extra fees or purchase from California I do n't live in California

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I placed {$1000.00}. on my wife 's prepaid card a month or two ago. Almost immediately the money was stolen by fraudulent charges made in XXXX. Amex refunded a couple XXXX dollars after a month or so but refuses to refund the remaining fraudulent charges. The customer service reps in XXXX are poorly trained and completely useless and nobody at the amex company in XXXX will talk to us, call us back, take us seriously etc. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every 15 minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I found a collection for an old utility bill that was paid several years ago. It was reported by Transworld Systems on XX/XX/XXXX. I never received notice of this collection to be able to dispute. I spoke with several people at the collection company, XXXX telling me that they showed the debt had been paid in XX/XX/XXXX. A supervisor told me they were mistaken. When I asked them to remove the collection from my report and send me documentation on the debt, I was told that it was a process and would take a while to resolve. 
I spoke to the original Creditor XXXX ( Who I still have an account with ) to address, they told me they did not know why it was reported, they showed no open collection account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have numerous hard inquiries on my credit report from XXXX XXXX XXXX syncb and XXXX XXXX. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.

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 2015-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have overdraft protection on my bank account, yet my bank does not honor it. I understand that the bank still charges an overdraft fee, buy are n't they supposed to therefore cover the payment that caused the overdraft? All I want from this service is for it to protect me from being charged twice, once by bank, and second from business check or transaction was made out to. Am I wrong, or is n't this what overdraft protection for?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX : ACCOUNT # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-11-30
Company: Suburban Credit Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the Suburban Corporation Miss billing issue I was charged and probably should have went through XXXX online collections XXXX this issue was resolved company agreed to remove from report already from XXXX still showing on XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Comerica
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX XXXX, I was charged twice with a vitamin company in the amount of {$410.00}. I receive SSDI benefits through a company called Direct express where benefits are available to me monthly. On the month stated I filed a Fraud investigation because the vitamin company charged me for vitamins on a free trial basis and unfortunately I missed the deadline to cancel that trail. I contacted the company to let them know that I was no longer interested and right after contacting the company, they sent another package to me. I immediately returned that package but was charged twice through my Direct Express card. I immediately contacted Direct Express with no luck talking to someone, finally I was able to talk to someone a day or two later and I was told that because It was filed as a Fraud transaction that I was given the money until it was investigated. On XXXX XXXX, I received a letter saying the {$410.00} was reversed because not enough information was found. I talked with numerous customer service agents and nothing has been done to return the money I am owed. The vitamin company has received two payments from me and I have returned the second package and Direct Express still will not return my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone is hacking my phone and not allowing me to contact my banks both my chime account and XXXX XXXX account have been compromised I dont know the dates and the amounts because they keep changing and someone not chime or XXXX XXXX is responding to my emails and calls when iiji try to contact the companies please I need someone to help me and I cant get anyone to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020XX/XX/XXXXAcima sent a settlement email. I called on XX/XX/2020 and paid said settlement for my debt to be deleted and removed from my credit. The service advocate said that would be in 30 days. It has been past 30 days and I haven't gotten anyone to fix it from Acima.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
account XXXX in the amount of {$1200.00}, requested for validation and has not been provided. There are multiple errors with the reporting and have submitted multiple disputes requesting validation of the debt in my name. I have reason to believe this is not my debt and am falling victim to identity theft.

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 2022-11-02
Company: ADP Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a previous complaint open and wisely stated they didnt receive my signed declaration of fraud but I am attaching the email I sent to them on XX/XX/13 with the signed statement attached. This is not and should not be a reason to delay returning all funds to me that I didnt authorize. They absolutely received my statement and it was emailed to the email that the form said to use!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written and contacted Equifax so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

Company response to consumer: Closed with non-monetary relief