BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 my wife notice fraud committed to our small business checking account. We immediately reported to the Wells Fargo Bank who was supposed to initiate an investigation. Every time we called we were transfer to a different person and each person new nothing. After that in XXXX they requested a complete detailed report send by fax which we did and faxed on XX/XX/2021 which detail step by step how the incident occurred. The report also included XXXX of the hackers name, phone number, ect. XXXX times were called after submitting the report and as the firs time no XXXX new anything about the fax. Finally they confirmed that the fax was received but no one had the time to look at it. As of today the money have not been reimbursed nor any communication to use on the status. 

I decided to call Florida Attorney General Office where they instructed me to issue a Police Report which I did, File a report at XXXX which I did, File a complaint at the XXXX XXXX XXXX, which I did and finally File a complaint with your agency and is exactly what I'm doing. 

We are not sure if our account was what Wells Fargo  reported back in XXXX where there access code was used to steal the personal information of roughly XXXX consumers, leading the bank to conduct a full-scale inquiry into the data breach.

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 2018-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
I recently filed a complaint with the XXXX on XX/XX/2018 in regards to XXXX XXXX reporting inaccurate information on my Experian credit report the following items are missing on the account. Balance is showing a line when it should show {$0.00} and Balance Updated is showing a line when it should show {$0.00}. And Recent Payment Amount is showing a line when it should show a pay off amount. XXXX XXXX XXXX say there reporting correct information but i beg to differ. A simple line doesn't represent correct information. This account is paid in full so it needs to reflect that.

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 2021-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 there were 13 charges made to my Bank of America checking account totaling {$4300.00} in a very short time span. I nor my husband made or authorized the charges to be made. This is a significant amount of money! The Virginia Lottery has been amazing but Bank of America has not!! I have provided a signed letter to the bank, the Virginia Lottery has closed both accounts.

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 2021-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I contacted CHASE via telephone regarding my tax child credit check being put on hold until XXXX XXXX 2021. I have called XXXX waited on the line for XXXX minutes with no response and the XXXX time I called the wait to speak to the department that handled the clearance of the check had more then doubled its wait time. I have deposited several of this checks ( From the United States Treasury  ) before to my account without any problems or holds, however this time I am not being given explanations of why this particular check is being held for so long.I was told the representatives taking the calls do not ha access to this information. However the department responsible is saturated. Please help me resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$340.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}

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 2021-03-22
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification from CCS offering a discount payment of 50 % for an alleged debt on XX/XX/21. I do not have a contract with this collection agency and the notification did not advise of the 30 day validation of debt option. Be advised that I am not requesting a verification that you have my mailing address, I am requesting a validation that is competent evidence that I have some contractual obligation to pay you ( CCS ). Under federal law you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to provided within 15 days of the completion of your re-investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have disputed these accounts but never got a updated on them being 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 2022-10-14
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I checked my credit score I realized that I had a collection from Receivables Performance Management on XX/XX/XXXX. I did not know I was supposed to receive mail regarding the debt and a few months later on XX/XX/XXXX, I called the company and paid it over the phone. I did not receive any mail about the debt being paid off and the company refuses to send a letter to me with the confirmation so that I can move accordingly. I have bank statements proving that I paid and that they took the money out 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 2016-11-04
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
After granting me a Care Credit card, Synchrony Bank checked my credit report 2 months after I paid off the card my balance and, stating that my credit no longer " met their terms '', they closed my account after less than 18 months. Nowhere in my terms and conditions of the agreement did it state that I had to maintain a certain level of credit worthiness in order to keep the card. In the terms and agreement, it stated that they may periodically check my credit in order to review, maintain, and collect on my account. I have never been late or missed a payment. I have used less than 50 % of the total available credit of the credit given. Because of my history with the company, there was no justifiable reason for their closing my account, causing my debt to income ratio to increase, resulting in a further drop in my credit score. When I called Synchrony/CareCredit to inquire about this, they stated that it was " standard practice ''. Yet, I was never advised of this practice, nor given a " warning '' of how my current outside financial situation would hurt my good standing with my Care Credit card. 
Once I received the letter from the company, informing me of their decision to close my account, I contacted them, via phone, to ask them specifically what the logic was behind closing the account and told them the ramifications to my credit score and file their actions would have. I was advised by a supervisor that it is their common practice to close accounts when a consumer no longer meets their credit criteria to hold the account, nevermind that it is not listed in the terms and conditions. I, again, advised the supervisor that closing my account will cause my credit score to plummet and asked her to explain to me how her company 's actions can not be seen as a having a negative effect on me especially since I have never violated any of the credit terms and agreements to warrant the closure.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: FL
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  account I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist

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 2021-03-22
Company: Chrysalis Holdings LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In a previous complaint on XX/XX/2021 about XXXX XXXX XXXX XXXX when he hung up me his last words were I can't do business with you! This was after he had done a hard look at my credit report with my permission. On XXXX XXXX I received a statement of credit Denial, Now he has looked at my income, WITHOUT my permission. I DID NOT ASK FOR ANYTHING but a Interest rate. I never told him anything about what I was looking for! Since this letter was dated XXXX XXXX had he received my complaint and trying to mess with credit! I want all XXXX XXXX To clean this off my credit reports and New Day to explain why He was ALLOWED to Do this. I have approvals from other lenders I was just looking for a better interest rate! Someone needs to control this Individual! 
Thank you XXXX XXXX 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 2016-10-26
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/2014 XXXX evicted me from my low-income, subsidized unit -- the eviction was murky, and the reasons ultimately given, which I have in writing, was " other than non-payment of rent -- behavioral concerns. '' Still might seek legal action against this shady landlord ... 

XXXX thing they did was send me a bill for expenses that are by all rental laws I 'm aware of THEIR RESPONSIBILITY -- they own and manage the unit, and whatever they have to do to prepare it for the next tenant is their expense. Instead, they billed me, then, when I did n't pay them, immediate sold the bill to the first gullible collections agency ( not that I care for collections agencies, either, lol ) they could find. I 've tried disputing the bill, and have gotten no answer. Please help me resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
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: Information belongs to someone else

Complaint:
attach XXXX XXXX XXXX and XXXX XXXX  are not mine see police report and FTC 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 explanation
Consumer complaint received 2021-11-22
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no XXXX party involved. Regardless of the multiple written requests, the unverified XXXX accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the List of Accounts that are still reporting on my Credit Report and NEEDS TO REMOVED : XXXX ( Original Creditor : MARYLAND XXXX XXXX XXXX ) XXXX {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$4900.00} XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XX/XX/2020for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This will be the XXXX  time asking CFPB to intervene. Capital one quicksilver card seems to be discriminating against me paying my bills before time FROM THEIR Checking account. 
I have both accounts in their app on my phone and I pay my bills before the due date. I have been doing this since the very beginning because I want to ensure that my credit score reflects this. Every XXXX months my account is frozen because my early bill payment is considered a fraudulent activity and I lose access to my card for XXXX days. 

I have to call capital one and verify that the account t that I verified through the app is me. Then I still have to wait the XXXX days for this to be fixed. This has caused me so much XXXX and XXXX, has left me stranded in the streets because my card wont work for XXXX payments. It has put my necessary accounts in jeopardy for non payment and cause addition fees for some. I am absolute sick of capital one and would close the account but I dont want that to affect my credit score. I am looking into a lawyer as Ive said because this cant be right and it certainly isnt fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I intended to sign up for a bank account with M & T Bank and all online materials indicated that all I needed to do was make a deposit from my debit card from another account. Once I did this, I was informed that they needed much more information. I asked to be refunded the money. They refused and replied that they could not release the funds without account verification. I replied that I did not want an account and they had no trouble taking my money therefore it should not be any trouble to return it to the card from which it was deposited. They will not give me my money back and are not assessing service charges monthly to systematically steal my money. My money is being held hostage by them. They took my money under false pretenses and now refuse to return it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, submitted a request to reporting credit bureaus to verify that I owed XXXX XXXX XXXX for a medical bill. 40 days later, I received a bill stating to make payments payable to XXXX with dates of service but no paperwork with my signature stating that I owe them the debt. The original creditor was XXXX XXXX XXXX. I need to receive paperwork, with my signature, that states I owe XXXX   Collection.

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 2021-01-01
Company: PLANET HOME LENDING, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 PHL {$1100.00} from my escrow account as a " Short Payment '' when I noticed this and called on XX/XX/2020 their representative ( XXXX ) told me that is was because I was late in XX/XX/2020. By PHL own admission on the attached documents I have never been late with any payments. This is the snowball effect of their record keeping not being corrected when requested. To their credit they did however send me {$4000.00} from my escrow when the house was sold. However if I was never late how can you take {$1100.00} out of my escrow call it a " Short Payment " and not be able to justify why you have taken money out of my escrow account. No one to this date can tell me what this " short payment '' is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XX/XX/XXXX 60 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 30 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some one opened a Capital One account in my name. This account was sold to XXXX XXXX XXXX. I don not owe this debt. I contacted the company several times to rectify the matter, but have found them uncooperative. I've asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened up the fraudulent account in my name. They have not provided validation. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.

Company response to consumer: Closed with non-monetary relief