BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX at XXXX P.M. I authorized Wells Fargo Dealer Services to withdraw my car payment from my Wells Fargo XXXX Account stating the funds would be withdrawn XXXX hours or the next business day. On XXXX at XXXX I purchased XXXX XXXX tickets using my Wells Fargo XXXX Account XXXX {$220.00} XXXX. On XXXX I was debited from my checking account a NSF Fee of {$35.00}. 

I contacted Wells Fargo and they were unwilling to refund the {$35.00} and could not explain how I was overdrawn by XXXX, but able to purchase my XXXX tickets on Friday, even though I was overdrawn. I OPTED OUT of the courtesy payment when I opened the account. This appears to be quite predatory and a money grabbing scheme to cheat depositors out of 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
Consumer complaint received 2021-12-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is not reporting three paid off accounts from American Express, XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXXAccount # XXXX. In these months I have not received a notice in 45 days and show that this account is out of investigation. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I conducted an analysis of my principal payment owed and noticed a difference between what NewRez says the principal amount is versus my analysis. I looked through my payment history and identified the mistake. On XX/XX/XXXX I sent a principal only amount ( labeled on check with account number ) in the amount of {$8000.00}. For some reason a person at NewRez split that amount into a principal only payment of {$5800.00} and a regular payment of {$2100.00}. That should not have happened because I made my regular payment of {$2100.00} on XX/XX/XXXX and the XXXX payment of {$2100.00} on XX/XX/XXXX. I notified NewRez via email about this problem and the check of {$8000.00} and have received no response other than they received the email and will respond as soon as possible. I called NewRez on XX/XX/XXXX and the person I spoke with said it would be taken care of in 1 week. One week has passed and the principal amount owed is not correct. I can not refinance my loan until I know the correct payoff amount. As of right now, NewRez has done nothing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: MI
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 have a Total and permanent XXXX ( XXXX ) discharge since XX/XX/XXXX. 
It was never due, never late, never made any payments. 
Experian has all of these accounts right now as OPEN. 
I have 2 lines of credit, their records show I have 27! 
They are not allowed to list Total and permanent XXXX XXXX XXXX ) discharges on credit reports. Sure enough, has not been verified since XXXX! 
Not on my other 2 credit reports. Scores there average XXXX. At Experian it's XXXX!!! 
Says I have too many lines of credit open. Says I have too many late accounts! 
I haven't had ANY late accounts anywhere since way before my bankruptcy in XXXX! And that's being listed as open and active too! 
My entire credit report with these scammers is WRONG. 
Now they have locked me out of my account. I sent them my DL, Bill 's, etc. No, can't get in to dispute. I can not call. I am 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 2021-12-16
Company: Alorica Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is not reporting three paid off accounts from XXXX XXXX, SST, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was astonished once I viewed my XXXX, XXXX and XXXX  credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The following is an explanation of the background and issue I have had with Capital One. 
I had purchased a XXXX vacation program in XXXX XXXX. The XXXX vacation membership program I purchased included a " XXXX '' benefit where the owner would be reimbursed for the time share maintenance fees in exchange for XXXX to have rights to the timeshare for the corresponding week. I submitted my time share for cash exchange and was advised that it would not be accepted since the all-inclusive was mandatory for the time share. This exception was not disclosed to me at the time of the purchase of the vacation membership program. I was also not advised that there was a service fee for the cash exchange and that the week had to be reserved for a specific week of the year. The XXXX XXXX was the primary reason I purchased the membership program. XXXX has not paid the maintenance fee for my time share as they agreed to in the contract. I contacted XXXX after receiving the XXXX email and was advised that they would not honor the cash exchange for my time share. I requested a refund and was advised that they would not refund the charge for the membership. 
The merchant has not addressed the issue during any part of this review. The information they responded with did not in any way address the issue. 
I have contacted the Merchant, XXXX XXXX XXXX XXXX, the merchant, several times and left my contact information. I have not received a return call. My most recent message was on XXXX XXXX, XXXX. I sent an email to the merchant and they did not respond to the issue. 
A second opinion from an attorney was provided to Capital One indicating that the Merchants actions were considered fraudulent in nature. 
A second opinion from another merchant in the same field was provided to Capital One indicating that the Merchant 's actions were considered fraudulent in nature. 
When I learned that the merchant did not disclose the pertinent information about the vacation program to me and because of that I could not use it, I requested Capital One to dispute the charge. I have provided an explanation of the issue and second opinions from an attorney and another merchant to Capital One. All of the documentation requested by Capital One was provided. Capital One has not addressed the issue with the Merchant. The Merchant has not responded to the issue. There is no mention of the cash exchange in the Merchants correspondence. The second opinions clearly state the actions by the vendor were fraudulent. Capital one has not clearly stated why the dispute was considered resolved in their opinion. Capital One has not appropriately addressed this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to make a payment in full on a credit card and requested a receipt, the company refused to provide a receipt only a confirmation number. When I told them that would not suffice as my HSA card requires a receipt I was told that they will not provide one. My only recourse is to call back in three day wait on hold again for several minutes to request another copy of the statement but again they would provide no receipt. 
I am unsure of laws regarding billing companies but I know a retail establishment must provide a receipt and have never had an issue such as this before. If I agree to make a payment I should be given proof of said payment being 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 2021-12-16
Company: Self Financial Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I inquired of Self, Inc. ( formerly Self Financial ) if my secured card ( at a zero balance ) could be converted to an unsecured card as my credit score had improved significantly. I was informed that Self does not have unsecured cards. As I no longer have a need for a secured card, I made the decision to accept the ding on my credit for an account closure and on XX/XX/XXXX I requested closure of my secured Self card and a refund of my deposit ( {$270.00} ) and received no reply or response. According to the information on Self 's own website, I would receive my refund at my bank account on file. On XX/XX/XXXX I requested the same and again no response. 

On XX/XX/XXXX I was assured by not one but two Self representatives that " the check was in the mail '' ( see attached ). Neither answered my questions of why the funds weren't transferred to my bank account and why I've been forced to request this over and over again. 

Needless to say, I received no check or bank transfer. I've verified repeatedly that both my bank account and my address are correct and unchanged since opening the account. 

I've now confirmed the account is indeed closed and have suffered the expected hit on my credit, but not received the benefit of my refund. 

On XX/XX/XXXX, I again reached out to Self. This time I was promised that the alleged check would be cancelled and I would receive a bank transfer within 2-3 days ( see attached ). As of yesterday, 3 business days has passed and still no refund. I am beyond frustrated at this point and continuing to receive the runaround. 

I've tried literally for two months to assume good intentions of this company but I now have no choice but to assume this is fraud on their part. I cringe thinking of the number of people who either give up on their refunds or flat out forget during these troubling times. 

This can't possibly be a large sum of money to this company, but it is to me. Especially at XXXX time. 

Thank you in advance for any assistance you can provide. 

**I 've tried several times to attach supporting documents but that feature does not appear to be working. The docs are available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
I discovered two weeks ago that Lexisnexis -- as part of the Risk Solutions part of their company -- had a report on me that includes information about another woman with the same first and last name, but different middle initial and different social security number. This woman 's financial information is negative and I am in the process of trying to complete a financial arrangement which this information is blocking. I called Lexisnexis to dispute the information. The person I talked to was able to determine the problem by a simple visual examination of the data but said the dispute process would take 30 days. I asked that it be expedited. 

I should point out that none of the information in the Lexisnexis data base is in any of the reports from the credit reporting agencies, like XXXX. 

My immediate concern is the difficulty the inaccuracies are causing me. But in the course of my discussion with the Lexisnexis representative I became alarmed about the quality of Lexisnexis information in general. I was told that the data collection depends on first and last name only ; it isn't even sophisticated enough to take different middle names into account -- much less, apparently, social security numbers. Lexisnexis Risk Solutions describes the product as providing 'powerful analytics tools and targeted solutions that support more informed, more effective decisions '. Nothing about my situation supports this description.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I placed order on XXXX XXXX # XXXX. I received confirmation emails with tracking numbers, I tried to search for tracking info and the numbers received showed as incorrect with the shipping company. I contacted Kohls numerous times for tracking information and requested that the items be reshipped with delivery confirmation/signature required. I was notified that items were reshipped. I received another email shortly thereafter that the item was returned to sender as recipient refused. I never received the item, I contacted Kohls to find out where items were being shipped to, they confirmed a different address. I provided them with my current address on every single call I placed to them, upon order submission, upon tracking request and reshipment. Seems they do not update their files. I was assured my account would not be affected and that items missing would be reshipped, or I could cancel item. I opted to cancel the item since they tried to ship it twice and I was not receiving item since they kept sending it to the incorrect address. 

I have called repeatedly in the last few days and keep getting same run around with me having to provide them with my address, when I provide them with the current valid address I keep getting told that is the incorrect address and that they can not help me unless I provide them with the " old '' address. I do not know what shows on their system and it is not my responsibility to provide them with outdated/incorrect information. 

At this point, I want them to credit my account for items not received. I received an email informing me of such, however, when I check my account it shows nothing of sorts. 

I will not call back to be placed on hold for over XXXX minutes only to end being switched to unattended voice mails or have to submit email after email. I should n't have to continue calling and be forced to confirm whatever information they show in their system as I can not see or know what shows- I can only provide them with the information I KNOW to be my current and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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 information incorrect

Complaint:
I recently reviewed a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. Equifax is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Equifax written permission to furnish this account on my credit report. Equifax is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Equifax has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: TN
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/2021, 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 2017-10-16
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Chase Bank sent me an insufficient funds notice on XXXX/XXXX/XXXX {$30.00}. Changed my check- ing account from Chase to XXXX XXXX earlier this year. Only kept minimal amount in Chase account to maintain the business account. All other purchases were made from XXXX XXXX. - {$120.00} Chase balance was paid on XXXX/XXXX/XXXX by XXXX check # XXXX. I forwarded a letter to Chase on XXXX/XXXX/XXXX, along with my cut up debit card, with specific instructions to immediately cancel my business account. The overdraft was caused by XXXX not using my correct authorized credit card account. On XXXX/XXXX/XXXX I deleted the Chase card from any further purchases, only authorizing XXXX XXXX debit card for future purchases. I was again contacted by Chase concerning the overdraft on XXXX/XXXX/XXXX and several phone calls per day from XXXX. I explained to the caller that I had already forwarded my check, # XXXX with my cut up debit card, as full payment for the {$120.00} overdraft and that I had instructed them to immediately close my account with no further authorized transactions. On XXXX/XXXX/XXXX I received another insufficient funds letter from Chase in the amount of {$79.00}. This transaction was not authorized by me and it was after Chase account cancellation. From XXXX/XXXX/XXXX until this date Chase has been harassing me, telephonically concerning this mentioned overdraft. Chase paid XXXX an additional {$79.00}, {$14.00} and {$58.00} and charged me an overdraft fee of {$100.00} after I directed that my account be closed effective XXXX/XXXX/XXXX. I personally spoke to a Chase representative on XXXX/XXXX/XXXX and no more transactions should have been authorized after XXXX/XXXX/XXXX. I was advised that my check # XXXX ( {$120.00} ) was deposited on XXXX/XXXX/XXXX. This whole time receiving harassing phone calls daily from Chase. On XXXX/XXXX/XXXX I deposited my check # XXXX, in the amount of {$150.00}, payment in full for the unauthorized payments to XXXX. I again advised Chase XXXX, La. manager that I was paying XXXX unauthorized payments in full and that I again directed that this Chase account be permanently closed today. I had to place the Chase number XXXX XXXX on my phone number delete list in order to stop receiving the harassing calls. 
I have verifying documents ( 11 ) if you need verifying documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Currently, I have a mortgage loan in progress and the inaccuracies on my credit report are affecting my ability to move forward. There are two accounts on my report that have been charged off, XXXX  XXXX XXXX and XXXX Bank. The XXXX XXXXXXXX XXXX account was charged off in XX/XX/XXXX which is the last status date that XXXX  XXXX XXXX reported to Experian. Experian has repeated the charge off status each month since XX/XX/XXXX as a new reporting. Also, there are no charge off reportings for XX/XX/XXXX through XX/XX/XXXX. So, they stopped then started this action. What they are doing is incorrect and has stalled my report so that the score does not increase. Once the charge off is reported by the creditor it should not repeat every month as if it were a new status. This will constantly keep the score from increasing! This same action has occurred with the XXXX Bank account. It shows charged off in XX/XX/XXXX and every month after that it appears as a new charge off status. XXXX has not reported this account since XX/XX/XXXX. Experian does not have to keep updating the status if the creditor does not report it. I am attaching a copy of the accounts on my report so that you can see the issue. 

I would like to have these charge offs removed on my credit report so that the score can increase to what it should be. This needs to occur immediately!

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