BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
received word from Wells Fargo today that they are not going to honor my claim or request for compensation. The information they provided is conflicting with previous information that was provided due to other representatives. The representative that I was on the phone with today her name is XXXX, The only thing that she could say to me was Im sorry. Im sorry for other Wells Fargo employees providing an inaccurate information and lying to you. The additional information that she provided today was also conflicting with previous information I received from Wells Fargo stating that Wells Fargo was only limited to do a partial credit in XX/XX/2021 due to the fact of the time frame window which was 60 days. After speaking with the representative today she told me that it was not on Wells Fargo when I received a partial credit in XX/XX/2021 but the merchant. That is conflicting information that I was previously told by Wells Fargo. All of it is not adding up as this is not the first time that I have received conflicting information from Wells Fargo. Wells Fargo also stated that they had recorded conversations of me which I deny because I do not remember making those conversations as I explained it to the representative this morning that at that time I was still grieving for the loss of my 14 month old son that was killed in a car accident. Wells Fargo has made it a lot of in accurate statements and its still not taking responsibility for their actions over the past year that Ive been dealing with this situation. For over a year now Ive been lied to by numerous Wells Fargo employees and treated very poorly as a customer. Wells Fargo is still neglecting to take responsibility for a mistake that was made on their part and are observing themselves of any and all responsibility for their mistake and the way that they have treated me personally over the past year. The response of Im sorry from this representative does not fix the situation that Wells Fargo has put me in. Not to mention the stress and frustration but all of this has added not only on me but my family as well. I want this bureau to take action and make Wells Fargo pay for what they have done. Again numerous times that I have received conflicting information from Wells Fargo so that they can simply wash their hands with this and not take any responsibility for their mistakes over the past year. They are refusing to give me any kind of compensation and are denying everything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: United Collection Bureau, Inc.
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:
I received a garnishment on my checking account from United Collection Bureau XXXX. The amount is for {$6400.00}. I have been trying to call them for several days and have spent hours listening to music. I don't know what the garnishment is about. i just know there is a hold on my checking account for this amount. I need 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 explanation
Consumer complaint received 2016-02-17
Company: Couch Conville & Blitt LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The inaccurate account was brought to my attention recently. I have no knowledge where it come from I have never agree, sign or authorized the transaction. I have attached my license for verification. The information reported is incorrect, must be an error and accidently placed on my Credit 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 non-monetary relief
Consumer complaint received 2017-01-25
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX, WA. This company bought my outstanding loan from XXXX which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: National Credit Adjusters, LLC
State: GA
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:
I called XXXX to have them investigate a paid collection account. The company promised to delete the account from my credit report upon payment. I paid the account and it is still reporting. Ive disputed the account multiple times and a thorough investigation has not been done. The account has been deleted from XXXX because they found that it was supposed to be removed. I am asking that XXXX please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
An adverse, collections trade-line is not my account. The original creditor is permanently closed, and I have no knowledge of this account. 

The collection agency is non-responsive to me. Please fully investigate and provide findings to me so that I may sue Credit Reporting Agency ( credit bureau ) and collection agency under the FDCPA and FCRA.

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 2017-01-13
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not received any validation documentation from PARAMOUNT RECOVERY. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-28
Company: Pinnacle Credit Services, LLC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt with this company a couple months ago and it still listed on my credit file as I owe. So I disputed it and all three credit agencies stated they verified and I owe. This is inaccurate information I want it removed completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have multiple inquiries from unheard of sources!! I 've asked for removal and they are still there!! I fell this is fraud and it is affecting my wellbeing! Acct in question as follows : 1. XXXX bank XXXX. 2. XXXX XXXX. 3. XXXX XXXX. 4. XXXX XXXX ( appears several times! ) 5. XXXX XXXX. 6. XXXX XXXX. 7. XXXX XXXX. 8.XXXX XXXX. 9.XXXX XXXX. 10.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXXXXXX XXXX that was a servicer for XXXXXXXX XXXX has reported two incorrect mortgage payments as of XX/XX/2021 and XX/XX/2021 showing that they were 30 and 60 days past due but the payments were made to XXXXXXXX XXXX directly and XXXXXXXX XXXX was not aware of the payments and reported them late

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 2021-01-08
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Remove the fraud account or I will push the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was so stress it's almost 60 days now since I've sent my dispute for those unknown and inaccurate account on my credit report but I haven't received any response. I demand to REMOVE immediately those accounts or I will file a litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Talked to a truist rep today and she could not explain why my escrow to my new payments will be {$1300.00} for principal & interest and {$480.00} for property insurance making my monthly payments {$1700.00} monthly. She was telling me about my home insurance being part of my escrow which is not true, that is not part of the escrow being part of the mortgage payments. Property values are reported to XXXX XXXX assessment company by the mortgage company for yearly payments. You reported my property description as a lot size of XXXX worth of XXXX and the size of my land is XXXX. Why I am paying property taxes for a property worth {$370000.00}? {$480.00} come to XXXX in property taxes yearly. My monthly payments should be {$1300.00} plus {$280.00} x XXXX = {$3400.00} property taxes yearly and no shortages, in fact, some should be in a suspense account, for my property taxes should just be {$3100.00} yearly. You stated that you were taking too much of property taxes out and you had reanalyzed my payments to {$1600.00} back in 2020 now you want to bring it back up to {$1700.00} monthly, am I making monthly mortgage payments to my VA account or to XXXX of your account holders with a XXXX car garage last name 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 2015-04-07
Company: United Revenue Corporation
State: TX
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 HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
iHAD A MORGAGE LOAN MODIFICTION IN 2010 AT XXXX AT 5.65 % PRINCIPAL AND INTERST PAYMENT XXXX DOLLARS I HAVE SPOKE WITH A NEW MORGAGE COMP AND HAD 3 WAY CONVERSATIONS WITH MY CURRENT CHACE MORGAGE THAT CAN NOT GIVE ME AN ANSER TO WHY MY PAMENTS ARE THAT OF A 8 % RATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016 I received an email at XXXX that my Citi XXXX XXXX credit card was compromised. The company stated that they would re-issue me a new XXXX for my security. I was able to use the one I had in my possession until the new XXXX came in. On XXXX XXXX I tried to use my credit card at XXXX of the merchants I usually purchase from and the card was declined. I called customer service and was told that my account was completely closed as of XXXX XXXX and they could not give me any more information. I was told to wait until a letter arrived in the mail from them. I called back later that night and told them that I had {$8200.00} accumulated in my cash back rewards that I had been saving throughout the year. I was told since they closed my account that I forfeited the amount I had been saving. I have never had a missed or late payment. I have been to a Citibank branch and have called numerous phone numbers and have not received any help in resolving this situation. All I hear is " wait for the letter '' and as of XXXX XXXX I have not received any letter explaining the closure of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: WELLS FARGO & COMPANY
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:
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.

Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.

I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.

Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : delete the accounts listed ion the complaint as well as send in remedy for the damages done to me as I am XXXX and in a wheelchair and this has caused severe mental distress to me in pursuant to 15 usc 1681n I demand I be invoiced XXXX for the damages done to the address XXXX XXXX XXXX XXXX XXXX Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citicards misrepresents balances and makes it impossible to pay them in full. In fact their rep just told me that although I paid my balance in full the month before, I will still be charged interest until I pay in full XXXX months in a row. I am paying interest on the interest of a XXXX balance account. Despite the fact that they list a "Previous Statement Balance" and a "CURRENT Statement Balance" you never actually get the correct balance. So you ALWAYS HAVE A BALANCE even when you have PAID IN FULL THE MONTH BEFORE. Call them or online chat with them and you get an endless cycle of NONSENSE!!!!!!!!! One operator will tell you to pay a certain amount and the next tells you to only pay the balance listed.....it should be criminal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've received 3 calls in the past 24 hours from various individuals at a company called Convergence. They are asking for my husband, and have been extremely aggressive and belligerent when they do so. They refuse to identify themselves or disclose why they are calling us. Each call has quickly escalated to a very unpleasant exchange. The calls have become a nuisance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with U.S. Bank and the overdraft option of this account is disabled since I opened it. On XX/XX/XXXX my account was all good with no overdraft payment I had couple pending charges which they were all covered, and they already been charged out of my available balance. Last time I brought an XXXXXXXX XXXX, and my dad helped me paying it by sending me a XXXX to cover its cost as soon as paid it the amount was taken out of my available balance and the transaction was on pending. So, at this point if my account did not have the enough amount of money Then I'm not able to purchase anything it should decline any charge because the overdraft of this account is disabled. My account after that had {$0.00} and I was expecting a deposit of {$620.00} from my friend it just got deposited on XX/XX/XXXX and when I logged into my account on XX/XX/XXXX instead of expecting {$620.00}, I saw {$350.00}, and I was shocked why my account has dropped this much! I also saw couple comments under multi transactions it says the account is overdraft after this and that transaction! I attached screen shots of the transactions. So, I called the bank I explained my situation and they figured out my overdraft is disabled, and they transferred me to their supervisor and the supervisor was explaining the charges and he was pushing that my account did not have enough money and the account was on overdraft status. I'd want to press charges on U.S. Bank for stealing my money.

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