BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was a company that I utilized for less than a month. Just like XXXX XXXX XXXX it was company that I purchased from in store and was lied to. The retail location had reviews from every where that pretty much everyone went through what I had. Service was continually bad in my location at the time of zip code XXXX in XXXX and continued dropped calls when my then employment was based off my cell phone and being able to utilize it properly was tarnished I cancelled and yet again attempted to return the devices. One device was certified pre owned and upon bringing it home we had discovered the employee hadnt done his job and you couldnt hear the other person on the call. And according to the terrible rep were were sold it as is and were stuck with it. We ended up cancelling a few days later when my brand new at the time XXXX as mentioned earlier couldnt keep connection to another call even in an emergency and also couldnt connect to the internet anywhere in my town without XXXX. It was done in good faith to try to return both phones and, again both were rejected. Also this happened in XXXX  and this rotten collection agency keeps reporting it as brand new debt which is illegal and harrowing and incorrect. The only thing not clearly defined in the CFPB/ XXXX rules is harassment. And this has been devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail XXXX, Experian, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

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 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Claim from Bank of America XXXX Arizona claim denied on XX/XX/2020 I invited some friends and some of their friends which I did not know over to my house for dinnerand after everyone left and went to bed as normal the next day I get up to go shopping and my debit card is missing I'm looking everywhere for my debit card which is also linked to my savings account which had over {$11000.00} in there and come came to the conclusion that I could not find my debit card anywhere in the house or in my car at that point while sitting in my car I logged onto my Bank of America site and I was down {$1000.00} approximately short a {$54.00} it was a {$950.00} to be exact there were two withdrawals taken from an ATM with a PIN number so whoever stole the card had to have gone through a my files and possibly found the pin number somewhere within my files and stole the card I never did get the card back when I realized that the XXXX dollars was missing I went straight to Bank of America they had just closed it was on a Saturday I withdrew some funds so I would have some money for the weekend went back home called the fraud department they closed the card reported the fraudulent activity and then the case begin well 2 months later I get a letter today from Bank of America stating that they've completed their research and that are their records indicate that the transaction activity in question was off was authorized and posted correctly to your account. this is absolutely incorrect I have no idea what they did other than call the merchant which they probably didn't get any information from them and then they just went ahead and closed it but it is definitely not correct the card was stolen it was fraud it was I was ripped off and they did with draw this money without my authorization and I don't know what else to do that's why I'm submitting this information to you in hopes of us up some help.

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 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I had a card with capital one I had fraud on my account so a returned payment happened. They closed my account and put the balance on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
During the month of XXXX 2015, I made multiple payments XXXX using electronic bill pay XXXX on my existing mortgage with Wells Fargo Bank in the amount of {$880.00} and {$1700.00} for a total of {$2600.00}. The total monthly amount due for the XXXX mortgage was {$1600.00}. Once I noticed the over payment, I called Wells Fargo on XXXX XXXX and spoke with a supervisor ( XXXX XXXX ) to inform him that I overpaid on my account and that I wanted the credit in the amount of {$950.00} returned to me. I gave XXXX XXXX my XXXX XXXX XXXX account number and routing number. He assured me that he was going to open a work order to have the funds returned to my account. I waited 5 business days and called Wells Fargo on XXXX XXXX and spoke with another supervisor in customer service ( XXXX ), and she informed me that Wells Fargo could not return the {$950.00} ( that they fully admit is a credit ) to me because their accounting system would only allow them to return the full amount ( {$1700.00} ) that was paid on XXXX XXXX. Upon hearing the explanation from the supervisor, I told her that I was not a person of enormous means and that I would accept a paper refund check in the mail from Wells Fargo instead of an electronic deposit to my account. XXXX told me that Wells Fargo would not send a paper refund check due to their accounting system. I ended the conversation by informing the supervisor that I would file a complaint with CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
On the evening of XX/XX/2019, I called Bank of America Credit Card services ( XXXX ) to activate my credit card account. I called the number on the back of my card, and followed the prompts to activate my card, after I completed the prompts I was automatically transferred to a Bank of America associate who asked me for the last 4 digits on the back of my card. I proceeded to provide those last 4 digits, upon after a very short moment, he replied " Your card is activated ''. The next day XX/XX/2019, I arrived at XXXX XXXX Rental to rent a car for which I had a reservation. The XXXX XXXX associated swiped my card for the rental upon which I was notified the transaction was denied. I contacted Bank of America card services regarding the denial, and they stated that card with the same 4 digits I provided a prior Bank of America associate to activate was reported lost or stolen. I found some mail which was unopened and mistakenly assumed it to be new card, which I successfully ( according to associate ) activated on XX/XX/XXXX, but it must have been the card in question. I stated with them with great dismay, that I am " stuck '' at a rental car agency with a card you activated, a simple reply of " that card was reported lost or stolen '' or " we can activate that card '' would let me know that I had the wrong card. Instead, " it is activated '' and I clarified with him that it is ready to use, put me in this predicament on XX/XX/2019. I clearly articulated my dissatisfaction of the " activation '' and the predicament that I am in. The associate offered to sending me out a new card to my location, however the time frame he articulated would not serve my needs as I was leaving the next day and it would arrive after I have left. In a letter dated XX/XX/2019 that same day, Bank of America stated they are closing my account, which had either a negative balance or a very low positive balance. I firmly believe this is retaliatory business practice, that may have affected my credit, and is irresponsible and unconscionable by a large bank with extended reach. I believe its intent is to intimidate consumers from raising flags or complaining because they are such a large institution. I firmly believe that in unacceptable in these United States of America, a country of the people, with a government for the people and by the people. A simple apology, and " a what can we do for you for our unfortunate mistake which left you without options '', would have sufficed. The card in question ended in XXXX. However, they closed my account with a new account number ending in a 4 digit number of attached documents.

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 2020-04-22
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Direct Express Card I used the card to send my daughter money and then I took the money back off the card so it would have left me a balance of XXXX on there'sthen i heard XXXX missing off of the card. I called at that point to find out where the {$56.00} went they told me that I'd have to wait that it was still pending that have to wait 5 days. On XXXX 2020 I called to let them know that money was missing and asked where the money was in what company it was they told me something FL XXXX I don't know that company I didn't use the card my husband never used the card my kids are XXXX and XXXX they don't use my card the lady told me that she could tell that it was fraud based on looking at it and that there were three other ones and gave me three other dates that money was missing off the card is well their own company told me that it was fraud to begin with on the XXXX when I talked to her she told me that it was fraud and all I had to do is fill out a form in the money would be credited that was the phone call I filled out the form I sent it in now they're denying me telling me that it's from being online and it's a recurring online fee and I asked them where and they gave me letters it's not even a company it's a bunch of letters I asked where it was being used what those places are they told me they don't know they can't give me that information how can you not give me the information to where you sent my my card my money I went and talked to a supervisor after supervisor first they told me they couldn't even connect me with the people that look into it and then the next person said over why don't we connect you to the people that investigated it and they still don't know and still gave me yzq are whatever a bunch of letters okay and told me that it was from online I don't use my stuff and when I do use it for online I know where it's being spent when I use it online I use it for stuff like my Internet bill which is {$10.00} a month I use it for my electric I didn't use it for electric this month so where did this {$230.00} go they can't tell me all they can tell me is it comes off reoccurring and I even went and got a new card and now I'm going to make a police report.. I look up the places online and they're different domain sites so now they're telling me I'm paying online to own domains I'm an at home mom that does nothing I'm very sick I do nothing I don't own any domain I wouldn't even know how to get a domain I can't even get my keyboard to unstick on my computer my space key don't work and I couldn't even tell you how to undo my space kitty make it work. Totally switching to a different card as soon as I can had it not been so close to the beginning of this month I'd be switching it already I can't wait for my money to load to a new card or else I'd be kicked out of my house

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called an stated there are no agreements with DIVERSIFIED ADJUSTMENT, INC. And they gave me a round around statement.I have no knowledge of it, no legal obligation for it and no information as to its origin. 
There is NO police REPORT or fraud AFFIDAVIT possible and no information or documentation in my possession in regard to the data contained in the tradeline CREDIT REPORT.This account is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
*** XXXX*** View all accounts COLLECTIONS XXXX  Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX   OpenedXX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX{$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  OpenedXX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX *** XXXX*** Derogatory marks View all accounts COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX{$1100.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$850.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OpenedXX/XX/XXXX {$1200.00} Original creditor : 11 XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$310.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I discovered a collection on my credit file, I never received a letter, email or anything about this company ... MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX MO XXXX on XX/XX/XXXX, I called their # XXXX. 

I was told that the " debt " is to XXXX XXXX, an online loan going back to XX/XX/XXXX! 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX acct ... XXXXXXXX for XXXX XXXX. I HAVE NOT DONE ANY ONLINE BUSINESS WITH THIS COMPANY! ... .EVER. 

So, I asked for debt verification, the loan amount, where and when did you send the " money ''? 
was it a bank account? what bank account? who 's banl account? what terms? what payments? 

NO INTELLIGENT ANSWERS, from MIDWEST RECOVERY SYSTEMS! 
BUT the collection is on my credit file, it only dinged my credit 10 points ... but IT IS BOGUS, FRAUDULENT AND A SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I deposited a XXXX XXXX XXXX check XXXX {$4400.00} at a Citibank ATM in XXXX. Citi  incorrectly encoded the deposit for {$4900.00}. They later issued an adjustment debit of {$500.00} on XX/XX/XXXX ( Case # XXXX ). While this seems to be the correct course of action, Citi had already collected {$4900.00} from XXXX XXXX, evidenced by my XXXX XXXX XXXX statement. The {$500.00} was never received by XXXX XXXX despite my numerous attempts at contacting both banks. XXXX XXXX is requesting I contact Citibank, while Citibank is redirecting me back to XXXX 's. To date, I 've provided copies of the deposit along with Citi 's investigation report ( cited above ) to XXXX XXXX  whom attempted to reach Citibank on XX/XX/XXXX while issuing provisional credit- Citi had not  responded and the credit was reversed. This has surpassed 6 months, and neither bank is able to resolve 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 2020-01-14
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax refuses to verify my ID, i've sent registered mails to them proving my ID to remove fraudulant hard and soft pulls on my credit. XXXX  was able to remove them but not Equifax. This has been pending 4 Months+

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Non stop calling of not only me but my brother. Threatening voice mails

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is not mine. I 've disputed this acct before it was sold to another collection agency. It was removed off my trans union and XXXX file but Equifax is still reporting it. I 've never had service through the company XXXX. I 've recently disputed it again to Equifax on XX/XX/XXXX when I got my Annual Credit Report and saw that it was on there. I called Equifax today to find out the result of the dispute and they have no record of me disputing last month even though I disputed that item and XXXX XXXX XXXX as well. They state that the last dispute results was from XX/XX/XXXX and that they do n't keep notes of calls. I asked to speak with a supervisor just as I did on XX/XX/XXXX when the call dropped after my disputes should have been submitted since I gave her my email address before I was transferred. Today after my disputes for the same 2 items XXXX XXXX XXXX who was paid off and closed in XX/XX/XXXX is still reporting that it is open and will a balance and the XXXX acct I asked to speak to a supervisor again. Also both times that I called Equifax they claim that they could n't find my report with the confirmation number that was provided on the report I got from them through XXXX. The supervisor XXXX stated that they only keep notes of calls if its important to the consumer such as a dispute ( which was made on XX/XX/XXXX ) or a request to speak to a supervisor ( which was also made on that date ). Now I have to wait 30 more days for my disputes to hopefully actually be disputed. And I was told that they would n't send an updated report to the creditors that have requested my report in the last 60 days such as XXXX who I was denied from on XX/XX/XXXX due to the 2 items I 'm disputing.

Company response to consumer: Closed with explanation