BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: Bayside Capital Services, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Last year ( XXXX 2016 ) I have borrowed online payday loan ( which is not licensed in my state ) the amount of {$1600.00} and I have paid {$970.00} and I have principle balance {$620.00}. 
I have contacted to XXXX washington that this payday loan ( XXXX XXXX XXXX ) not licensed in state of washington and I do n't have to pay excessive interest ( 480 % ). So I contacted to XXXX XXXX XXXX  that I willing to pay the principle only. But I never reply from XXXX XXXX XXXX. 

But today, I got a phone call from 'BAYSIDE CAPITAL SERVICES ' collection agency. 
They told me that they bought my account from XXXX XXXX XXXX. ** They told me that I owe {$2600.00} as of today and they threatening me they will sue me and they are going to garnish my salary. 
I asked willing to pay the principle {$620.00} but they refuge and they will serve the summons early next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been trying since XX/XX/XXXX to contact Citibank Mastercard in  order to resolve a problem with accessing my account information. My statement is not available online. Additionally, he card number Citibank shows on my online account does not mach the physical card number. They are not responding to online chat, email, or phone contact. System says there is an " unusual call volume '' and disconnects the phone call. The " contact us '' page on the Citibank website is completely blank and appears nonfunctioning. I finally made it through the phone system tonight, resulting in being placed on hold for an hour and thirty minutes. No representative has picked up the phone.

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 2022-09-10
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXXXXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. 3. The followng information is incorect DP OF EDUC Account Number : XXXX Delete this account. 4. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 5. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Delete this account. 8. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX 11. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
On Tuesday, XXXX XXXX, I received a letter from Wells Fargo dated XXXX XXXX stating they had found unusual activity in my account and that my account would be closed if the activity continued beyond receipt of the letter. I immediately discontinued use of the account, but on XXXX XXXX, found my account was closed and pending credit card rewards confiscated anyway. I made several calls to Wells Fargo to try to reopen the account to no avail. 
On XXXX XXXX, I received a letter, dated XXXX XXXX, congratulating me for being a top tier customer and providing enhanced rewards. According to the letter, under this reward structure, " XXXX points has a {$520.00} value ''. Wells Fargo confiscated XXXX points. Based on Wells Fargo 's valuation, these points have a value of {$26000.00}.

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 2016-11-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
WF is 1 ) arbitrarily " converting '' accounts to ones with higher fee requirements ... 2 ) deceptively using online statements to communicate this unexpected account conversion activity not requiring statement review and ... 3 ) failing to disclose and notify account holders of alternative accounts with similar fee requirements of existing accounts in the same statements regarding account " conversion '' ...

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 2022-04-14
Company: EQUIFAX, INC.
State: IL
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Guild Mortgage Company LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I closed my home loan with Guild Mortgage my MLO locked my rate at 4 I was given my final CD with 4 % rate when I pointed out the CD reflected fees fees for a program I did not apply for he corrected the CD but my rate was changed to 4.125 % post acknowledgement period began and after I was locked for over 2 weeks at 4 % and all XXXX previously given 4 % rate. 
MLO advised he locked in correctly made mistake and now unable to correct now charging me higher rate than agreed upon. Had to sign new CD with higher rate or lose my home and all cash paid out of pocket {$2800.00} 3 days prior to close due to MLO and lender error. They gave $ XXXX credit on CD to try and make up for the additional {$6800.00} I will now pay in interest pay in interest if I do not refinance in 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- XX/XX/XXXX Got a letter my property taxes were delinquent from XXXX County. 
- XX/XX/XXXX I called PHH Mortgage to see what happened to the check as the money had been taken out of my escrow account. I was told it was dispersed XX/XX/XXXX. 
- XX/XX/XXXX Called again, was told to call back on Friday. 
- XX/XX/XXXX Called and talked to XXXX. She sent me to XXXX, an escalations manager. He said he would " make this top priority but needed some time. '' - XX/XX/XXXX XXXX called and left a voicemail, said they " needed more time. '' - XX/XX/XXXX Talked to XXXX, who connected me to XXXX XXXX, another escalations manager. She told me she would take over the case. She wanted me to fax her a copy of the delinquent tax statement. I called XXXX County to have them fax it, but they could only email it. 
- XX/XX/XXXX I called XXXX and left a message about emailing copy of statement. 
- XX/XX/XXXX I called XXXX to get her email so I could send her the tax statement. 
- XX/XX/XXXX XXXX called back with email address and I sent her the tax statement. 
- XX/XX/XXXX Called for update, couldn't be connected to representatives because of COVID virus. 
- XX/XX/XXXX Called for update, still couldn't be connected to representative. I emailed XXXX XXXX to request an update. 
- XX/XX/XXXX Still no response or update.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Paypal Holdings, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to XXXX Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted XXXX bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to verify how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed and it was remove from said report and XXXX illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice of refusing to show consumer receipts and proof of purchases and re-selling of fraudulent debt that was disputed and removed from the consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
An employee at Lendmark Financicial named XXXX hung up on me and refused to discuss my account kept calling my place of employment about a debt that is past due a few days. when I asked her not to call my employer, threatened to take legal action to make me and hung up again.

Company response to consumer: Closed
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Remove or update payment history to " Pays as Agreed '' on the account CHILD SUPPORT XXXX XXXX for inaccuracy because I was never late according to equifax 's payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 I deposited a check in the amount of {$1200.00} to my personal checking account at Peoples United Bank. I did so using their mobile app. The check was paid on XXXX/XXXX/2015 and I have a copy of the cancelled check from the counter party that proves the funds were paid on that date. 

Nonetheless Peoples Bank did not credit my account until ten days later, XXXX/XXXX/2015. In the intervening time I was charged for returned items and 2 payments that I submitted were returned from the institutions I paid, causing me embarrassment. 

At this point Peoples Bank is refusing to credit me fully for the returned items, will not give me a written explanation and refuses to contact the institutions I had paid with an explanation of the faulty crediting in my account. 

Also, despite my changing my address information with a teller at the XXXX XXXX XXXX branch in XXXX, the address change was never made on my account. They still show the old address in XXXX XXXX! 

I want to be credited fully for the charges issued me during their delay, have a letter of explanation and have my returned item payees receive a letter explaining that this as not due to my fault. 

At Peoples Bank I spoke to a XXXX '. To say that she was surly understates the matter to a ridiculous extent. She kept me on hold for 20 minutes after another person had me on hold for 10 minutes. We did have a loud and angry exchange after that and then she put me on hold ... and for some reason (??? ), we were disconnected. Could she have actually hung up on me? Fortunately there is a tape of that conversation. 
Despite my requests on 3 occasions XXXX has not called me back. 

This account with Peoples United Bank has its origin in the purchase by Peoples United Bank of an account of mine at XXXX XXXX in XXXX XXXX. This account simply receives XXXX small pension payments, SS being XXXX of them. Fortunately I did not move any money to this bank because, after visiting a branch in XXXX my intuition told me that these people were inexperienced and not trustworthy. Therefore I did not move any other money to the account.These accounts do not make a material difference in my life or lifestyle. None the less, when I see how small account holders are really XXXX by banks, are charged usurious fees for overdrafts, are shunted around in call centers and generally abused by the staff I really do not want to hold my peace. I hope you can do something to reform this 'free checking '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
Company: Maximus Education, LLC dba Aidvantage
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: Account status incorrect

Complaint:
I consolidated my student loans with XXXX and DEPT OF ED/AIDVANTAGE on or about XX/XX/XXXX. I was in forbearance at that time and had been in forbearance every year since XXXX. I was also a full-time student pursuing my XXXX XXXX. However, both XXXX and DEPT OF ED/AIDVANTAGE have been reporting my student loans as " LATE PAYMENTS ''. They refused to report my account accurately to the credit bureaus, specifically, XXXX, XXXX, and XXXX. My account has NEVER been late or in any derogatory status since I was both in-school and forbearance. Please remove these inaccuracies from all three ( 3 ) credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Stellar Recovery, Inc.
State: TX
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:
attachment : pg XXXX shows credit of disputed bill - pg XXXX new address and account # with disputed amount credited - pg XXXX previous account number will bill in dispute. ///// I disputed this bill and was given credit on my account. It was a move and transfer request that was fouled up by XXXX XXXX XXXX. The credit amount ( XXXX ) is not exact because of taxes or some other internal computer function, I suppose. Stellar Recovery also rounded to the amount owed as {$67.00}. 
When the issue was correct at the XXXX office with a representative I showed her the notice that it was going into collection but they did not follow through as they should have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been banking with chase for about 5years. XX/XX/XXXX, i tried using my debit card at the store and it got declined. I called chase bank, only to find out that my account was closed. That week i received my pay check of about {$1600.00}. However, they did not reject the direct deposit. XX/XX/XXXX, my tax refund of {$7200.00} was deposited in the closed account. I would assume that i will be rejected and sent back to the irs. BUT, that was not the case. ITs been weeks and still havent gotten our refund from the bank as promised. We called customer representative soo many times.. they gave us the run around and asked us to call a phone number with a voice mail that never called back.. I only provide for my family with XXXX kids under XXXX. With this hard times, we are struggling to pay our bills.. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PYOD LLC is listed on my credit report as the business that is certifying that I owe a debt to XXXX XXXX XXXX. However, I requested documentation as to the validity of the debt on or about XX/XX/2020, to which the company did not respond. I then disputed the debt requesting validity of a debt owed to PYOD LLC and that XXXX XXXX XXXX had my signature permitting the debt to be sold to or transferred to PYOD LLC. This was done through all three ( 3 ) credit bureaus but I have not received a response despite several requests for proof of the validity of the debt and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: WELLS FARGO & COMPANY
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I have had a joint account in XXXX XXXX XXXX 's stock reinvestment dividend plan since XX/XX/XXXX. This month we were informed by a PG letter dated XXXX XXXX, 2016 that the Transfer Agent had changed from XXXX to Wells Fargo Bank , N.A . effective XXXX XXXX, 2016. We were given an authentication number and a new account number so that we could create a new e-account. However, when I signed into the Wells Fargo website, the legal language specifically wanted us to agree to binding arbitration and other legal wording which essentially would mean that we would have to give up our legal rights to contest any malfeasance by the bank. This is blatantly unfair to us and shareholders of XXXX and other companies. More importantly, it is undemocratic and a clear attempt by this bank to restrict the legal rights of small stockholders like my wife and myself.

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 2022-04-14
Company: TradeStation Group, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I had previously attempted to resolve this dispute with TradeStation directly to no avail. I had a recently closed CFPB complaint which also ended in a denial. To summarize the situation : I satisfied the deposit and duration requirements and yet Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate securities account. Escalated, provided a screenshot of their own terms and conditions with no success. Within days of the above complaint being closed I realized TradeStation altered their terms for the promotion. I contacted a helpful CFPB representative who informed me that I am welcome to file a new dispute if there is any " new information. '' Indeed, there is an update to this saga so here I am. I will attach two files- one labeled " old terms '' and one " new terms. '' OLD TERMS : " Existing TradeStation Crypto clients are not eligible for this offer. This offer can not be combined with any other offers. Only one offer/reward is available per client on one qualifying account. '' NEW TERMS : " Existing TradeStation clients ( whether a client of TradeStation Crypto or Tradestation XXXX  ) are not eligible for this offer. This offer can not be combined with any other offers from TradeStation companies ( whether the offer was from TradeStation Crypto or from TradeStation  XXXX  ). For example, a client who has previously received the benefit of a promotional offer from a Tradestation company is not eligible for this promotional offer because that client is an existying TradeStation client. Only one offer/reward is available per client on one qualifying account. '' Can you see the difference in clarity? Definitely necessary when you're providing two different products and two different promotions ( securities and crypto ).

When I applied under the old terms I was not an existing crypto client. A crypto account and a brokerage account are NOT the same therefore I'm not combining with any other offers. The fact that tradestation has two legal entities- one for crypto and one for securities - furthers this point. The old terms are as vague as the new terms are clear.

Company response to consumer: Closed with explanation