BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX  at XXXX XXXX. XXXX XXXX XXXX Arizona sent a manufactured charge to collections after I moved out of the apartment I lived in XX/XX/2022. 
They have listed multiple utility charges for the month of XXXX even though I moved out on the XX/XX/XXXX as stated in the move out statement. 
On top of that there is a carpet cleaning charge that was initiated which they already have advertised in the beginning of the lease for 1 free carpet cleaning service which they have never performed. 
They have sent {$92.00} to a collection agency called NATIONAL CREDIT SYSTEMS INC. 
I would like to have XXXX XXXX XXXX to be investigated since they are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe there could millions of victims with such similar or same fraudulent & manufactured charges sent to collections. 
I also would like to ask for an investigation if there is any investor relationship between XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and National Credit systems Inc National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX, that both parties may be working together to defraud unsuspecting tenants of Millions of dollars every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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 status incorrect

Complaint:
I sent dispute letter to all credit bureau to dispute inaccurate information on my credit report according to the The Fair Credit Reporting Act all information must be 100 percent accurate across all bureau XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) these are some of the item like these that need to be removed

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 2023-05-30
Company: Capital Accounts, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I want to dispute a medical bill of {$370.00} from XXXX XXXX XXXX office, XXXX XXXX XXXX XXXX in XXXX  XXXX, CO. 

I went to see XXXX XXXX on XX/XX/XXXX who just took over the practice at that time for dental cleaning and a minor dental issue : the gap between my teeth and the gum that did not cause any symptoms. I was told it was normal and he examined my teeth and recommended a crown for XXXX of my right lower molars because it might cause problems in the future and I agreed. I had XXXX XXXX XXXX at that time. I was ready to leave XXXX XXXX XXXX XXXX on XX/XX/XXXX for job relocation. I specifically emphasized my last day of work and the health insurance coverage several times with the front desk XXXX and was assured by her that the copay was {$500.00} and my insurance would cover the rest of the cost ( {$500.00} was paid by credit card on that day ). On XX/XX/XXXX, I received a call from XXXX stating that I owed money from their office. On XX/XX/XXXX I received a bill of {$370.00}. I called XXXX and she said that XXXX XXXX XXXX sent me a check of {$370.00}, which belonged to their office. I contacted XXXX and they told me that XXXX XXXX did not join their network until XX/XX/XXXX and that {$370.00} was billed by their office for out-of-network service. I checked my bank account and noticed that their office charged me {$780.00} instead of {$500.00} on that day for copay without notifying me. I had a few phone calls with XXXX. One time she said that she was not the one who took my payment on that day, then next time she said she was ( it was confirmed by her coworker and I know her voice. ) At the end, she denied again and when I asked to speak to the girl who charged me on XX/XX/XXXX, she said that the girl did not work there anymore. She told me that she would send me another bill and if I dont pay, she would send it to the debt collector. 

On XX/XX/XXXX, I received a letter from debt collector, Capital Accounts LLC. I emailed them on XX/XX/XXXX but they sent me another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BARCLAYS BANK DELAWARE
State: IL
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:
I currently have 2 cards with Barclays. A Rewards Mastercard and an XXXX XXXX Aviator MasterCard. 
Begining in 2022 I began noticing that information about my account was being changed on the web site. Phone numbers and addresses had been changed. I contacted Barclays about this, they said there was no problem. It must have been someont there that changed the information accidentally. All is good. 
Then I noticed a payment made on one of my accounts that I did not make. 
Called fraud division at Barclays, card canceled, new card on the way. 
Begining this year as soon as the new cards are issues, they are compromised. 
I can not access the web site since it is locked out. 
I have talked to many people at Barclays iincluding fraud and told them I only want statements mailed to my house and I will pay from them. Next day I get an email notification that all statements will be online. Now I can not access online, can't get through there terrible automated phone system since I do not have a current card, and I am not getting statements in the mail. Now they are hitting my credit reports.This goes on and on, and all I get is lip service from everyone I talk to

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 2023-05-30
Company: WELLS FARGO & COMPANY
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:
Well Fargo would charge me overdraft when I had funds.

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 2020-09-05
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove my extended fraud alert from my credit report as well as my consumer statement and any kind of blockage for credit access my credit file. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
On XX/XX/XXXX  I asked this company to provide proof and validation of this debt and nothing was provided in the mail. Also on XX/XX/XXXX  since I had not heard anything from this company I sent out a second round of validation letters and still received no response. 
I do not recognize this account and I have mo previous knowledge of it. I demand proof and validation of this debt and since it was not provided the account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Sequium Asset Solutions, LLC
State: TX
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:
On XX/XX/XXXX  I asked this company to provide proof and validation of this debt and nothing was provided in the mail. Also on XX/XX/XXXX  since I had not heard anything from this company I sent out a second round of validation letters and still received no response. 
I do not recognize this account and I have mo previous knowledge of it. I demand proof and validation of this debt and since it was not provided the account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: VW Credit
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am paying off my XXXX XXXX with Audi Financial and can not get my title in a timely manner. I have already communicated with Audi Financial. 

I sent the payoff check on XX/XX/ and Audi Financial confirmed they received the check on XX/XX/. I called them on XX/XX/ to check the status and was told the processing time is 6-8 weeks. This is a long time holding {$26000.00} dollars but not releasing the title to me. Consider there are lots of similar complaints online ( waiting for the title for months ) that Audi Financial is conducting financial crime by taking money and holding car titles in hand without releasing them and manipulating the used car market.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Upon booking a flight on XXXX XXXX I was offered a promotion involving a {$400.00} statement credit as well as XXXX miles once I spent {$1500.00} in the first three months of opening the card. As I have had issues with Citi in the past I called to verify the promotion to which I was told they had no record of this deal. So I emailed them a screenshot as well as a PDF copy of the offer as well the temporary credit card acceptance. After a few weeks and a few follow ups I had received no reply. So today I called to follow up and have been bounced around six different people in various departments all telling me it is another departments issue. The last representative, XXXX, tried telling me he saw the promotion on my account and I would have to wait up to two billing cycles to see the credit applied. As I didn't trust this I asked him to provide me confirmation which he said they were not willing to do. I finally demanded to speak to a supervisor, which they tried to deny me at first. I was firm and insisted on a supervisor and then while again waiting on hold, the representative came back and said the supervisor said this was another departments issue. At this point I am fed up and believe this was a bait and switch. If they will not help me correct this I will be cancelling the card. Upon researching this issue I see CitiBank has a long history of these tactics and this needs to be addressed.

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 2023-05-30
Company: DISCOVER BANK
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: TN
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. Experian, have me having an Alias of XXXX XXXX this is my son. I have sent doucments. It still remains

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 2023-05-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an FHA mortgage that is currently being serviced by Pennymac. Both my ex husband and myself are on the mortgage. When we were in the process of getting divorced in late 2018, I was told that I could assume the mortgage to have his name removed, and that the process would only take about six months. After our divorce was finalized in XXXX XXXX XXXX, I submitted all of the paperwork and documentation that was requested and paid the processing fee, but did not receive any response. I was given no direct line of communication so had no way of following up besides going through regular customer service. After several months, I was able to press operators hard enough to actually get contact information for their assumptions department. I made countless attempts to request information on the status of my assumption, but was only told that it was " in process ''. 

Fast forward to XXXX, I made more attempts to get an answer, and at that time was able to get a new contact in their assumptions department. This person placated me with more " we working on it '', with no actual movement. I backed off during the height of COVID, because I had enough else to worry about. Since then, however, I have tried to contact this person, and finally this spring ( XXXX ) have had some email communication with them. They requested me to re-submit all of the paperwork again ( which I did ). They have even charged me again for the processing fee and have indicated that they have emailed and XXXX XXXX me the final document that needs my and my ex husband 's signature. I have never received the documentation, despite confirming the proper addresses. I don't know what to do at this point because there is no way to find out who their supervisor is to go over their head to complete the assumption process. 

I am starting to suspect that this person 's sole purpose is to get me to give up, or perhaps they are just incompetent. Regardless, I would like to resolve this issue, since it is a stipulation of my divorce that I assume the loan and I've been working to do so for over five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Fraud report TO WHOM IT MAY CONCERN : Dear Sir/Madam ; My name is XXXX XXXX XXXX XXXX XXXX resides at the above mentioned address in XXXX, Maryland. My last four of SSN : XXXX. I work with : XXXX XXXX, XXXX as XXXX. I received a copy of my credit reports from XXXX, Equifax, XXXX and XXXX with the intention of trying to improve my credit and take care of my responsibilities, but noticed a little information on my credit report that seems inaccurate, inconsistent & unverified, and I need it fix immediately. They are not reporting consistently, and accurately about my information, which I identified as some discrepancies. Equifax, and XXXX repots on my credits that on XX/XX/2022 an unknown & unauthorized individual fraudulently attained my personally information and made claims to a company called : XXXX, at address : XXXX XXXX XXXX XXXX  OH XXXX XXXX through 'Inquiries ' which has impacted my credit, and credit scores negatively. I contacted these consumer reporting bureaus to dispute, which processes are ongoing, but they requested me to contact your office to report as a way to initiate the dispute process so they can delete the information from my credit report and update my account. I read the Fair Credit Act where it says by law, I have the right to challenge anything inaccurate, unverified, inconsistent. Some of the people reporting things on me are not reporting accurate information.

However, according to 15 U.S.C Sec. 1681 ( a ), ( b ), ( e ), ( f ) which guaranteed me, or any consumer constitutional rights guaranteed by law. This law basically guarantees consumers rights to 'consistent-accuracy about reporting. This particular incident is a 'fraud ' and is an identity theft affecting me and my credit reports. This reporting process does not meet compliance standards in guaranteeing my civil rights as provided by compliance standards. Henceforth, it is upon these legal grounds I request you initiate an investigation, and request them to delete any, and all information about me in their companys system because they are inaccurate, and it compromised my identity. Kindly investigate, correct and update my information. Once confirmed I request you provide me an update as soon as possible in the next 30 days as prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: PayActiv, Inc.
State: IL
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:
XX/XX/XXXX I have lost my payactiv card and it was used for a transaction of XXXX and XXXX .... since then they have been " investigating '' said amounts and also stated they'd provide provisional credits if it took longer on an email they sent... They have not since returned my money. When I call, ask they do is transfer me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check via Chase ATM from a payout due to an accident I was in via my insurance company ( XXXX ). I was given the wrong information and should have never cashed the check although it was made out to me it also had third party lien holder on it which is my cars finance company ( XXXX XXXX ). The funds from the check was processed into my account and a few days after my account was frozen due to fraud because the check was not endorsed by me and the finance company. I contacted Chase and although they said they understood the situation and it happens they would need either for XXXX to issue another check with the right endorsements, XXXX bank representative to recall the check ( in this case XXXX XXXX XXXX ), or for them to speak directly with my finance company to give a verbal okay to cash the check. I tried to get in contact with the finance company first and they said none of them numbers I provided them cleared through their phone number authentication process. I contacted XXXX to have then to reissue another check and they said they could not because it was already cashed. I asked Chase was the check cashed and they told me no it was just pending and another representative told me yes and that it was sitting in a special account for held funds. My claims adjuster from XXXX contacted their bank representative and tried to start the recall process and they were given the run around for weeks. I called with a XXXX representative on a three-way call to try to help move the process and they tried to make it seem like there was no knowledge of a cashed check or my account when the XXXX representative introduced herself they said that it was a mistake and that they misheard me. Chase Bank is withholding funds and wont release them back to my insurance company. The back and forth has been going on for almost a year at this point. The check was cashed XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I banked with Wells Fargo for years until I could no longer handle the overdraft fees when my account shouldnt have been overdrawn, freezing my account many times to where I could not access my money. After paying fees that I know were wrongfully put on my account over and over and they would do nothing about it I finally closed my account. I then received something in the mail stating I owed the bank money for overdraft fees when my account had been closed for over 6 months. I paid the fees because the letter stated it had attorneys involved. At this time I was younger and should have known I was being scammed. Wells Fargo is a fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is doing what I expected them to do when you give them the license to contact affected parties regarding loan modification denials, etc... I have spoken to more than one person and I keep getting asked to supply documentation. XXXX, XXXX Wells Fargo said there is no record of me requesting a modification. They said that all of my payments were processed when they were received and there is no record of them delaying receipt of payments to charge late fees. My attorney sent documentation via email and fax only to be told there is no record. Why do I have to be responsible for proving that Wells Fargo has been a bad actor. I have submitted numerous complaints regarding Wells Fargo and their practices as my mortgage servicer. XXXX, XXXX, XXXX. When the CFPB fined Wells Fargo, I was told that they were giving Wells Fargo the opportunity to reach out to the affected parties which is inherently a conflict of interest. Wells Fargo has corresponded and acknowledge the misapplication of mortgage payments. Wells Fargo has violated Federal laws and did not apply my payments when received in order to charge late fees. Wells Fargo sold my mortgage to an XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) masquerading as a mortgage servicer ( XXXX XXXX XXXX XXXX ) who failed to verify the debt information received from Wells Fargo ( which was inaccurate ). I had an attorney send a request for verification of debt which they did not answer and moved forward to file for foreclosure although I only owed {$1200.00} at the point they assumed the mortgage from Wells Fargo. XXXX They cited that Wells Fargo gave them my records that showed I owed 5 times that amount. I have called Wells Fargo regarding the recent ruling from the CFPB and why I have not been contacted. Why would the CFPB expect the company that broke the law to now contact all affected parties and make them whole. As of today neither the CFPB, nor Wells Fargo has not contacted me regarding the 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