BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-06
Company: Schreiber Law LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was advised at the court proceeding the amount of my debt was {$5000.00}, and that the amount would never increase as no interests will be charged. I have been making my monthly payments ever since and I was just advised on a phone call that my account is accruing 12 % interests and the amount on the balance increases {$81.00} dollars a month versus the agreed {$25.00} dollar a month payment. Therefore, this debt will never be paid down. As a consumer I feel that I have been lied to in attempt to collect this debt and it is unfair. In addition, why was I not told this in the beginning I would have seeked an alternate method of payment.

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 2020-05-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX, I fell victim to a puppy pet scam after sending {$160.00} as a deposit for a puppy sale that I saw on XXXX. I did not realize that such scams existed but I did get a signed contract before the money exchange. There are several parties involved from what I can tell. Unfortunately, I used the Wells Fargo XXXX payment option unknowing that I didn't have protection against scams and frauds such as this one. On XX/XX/2020, I paid XXXX XXXX using the name XXXX XXXX {$160.00} as a deposit for a puppy. After getting very suspicious and a friend telling me about how bad pet scams are, I did a search for pet scams and found that XXXX XXXX 's email was on the list and I fell victim to a fraud. I have several documents of proof and reported it to the Federal Trade Commission and FBI, but Wells Fargo refuses to open a claim, investigate or credit my money back. In the grand scheme of things, this is pennies for Wells Fargo and I've been banking with them for 11 years. For me, I'm unemployed and fell victim or a major global pet scandal.

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 2020-05-04
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Reached out to Apple for an interest rate adjustment. They declined. I replied that I will be closing out my account once I have paid off the loan. They asked if I would like to close it today. I agreed. ( XXXX ) Went to perform a balance transfer today ( XXXX XXXX ) my access to account information through Apple was blocked. I have no account information to perform balance transfer. I reached out to customer service though the app. They declined to help. I called customer service. They were not willing to provide me with the correct card information to perform a balance transfer. Supervisor told me the accounts closed. We will only take cash. The interest is still payable. I do not find the fact that they will not allow me to transfer money to another bank as an appropriate tactic that a credit card company should be using. I feel AppleGoldman Sachs stating to close the account right away after I had mentioned I would be closing once I transferred the balance out was a predatory move to gain favorable financial position by increasing their interest payments. Customer service was not willing to partner to find a resolution. This is unfair business practice to be performing and I would like to see Apple and Goldman Sachs held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Porania, LLC
State: NJ
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:
These accounts don't belong to me. Please remove them from XXXX and XXXX. Please see below the list of accounts that are reporting derogatory on two credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-27
Company: Continental Finance Company, LLC
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, My XXXX account was account was compromised ( XX/XX/2021 ) and an item was ordered fraudulent. I first called the merchant ( XX/XX/2021 ) and since the item was already shipped they advised that I file a dispute with my CC. When I called my CC ( XX/XX/2021 ), they did not want a police report nor had me sign any forms. They issued temporary credit, for {$770.00} after I filed the dispute. Now on XX/XX/2021, I received a letter dated XX/XX/2021 in which my CC company said the purchase was valid. And if I wanted to to speak to them to call them. The number they provide for the fraud department does not work. All calls go to voicemail and no one returns my call. I have called over 40 times and no one picks up in the fraud department nor do they return my calls.

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 2016-08-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On the XXXX of XXXX, 2016, I went to the XXXX XXXX XXXX branch of Wells Fargo bank to make a money transfer. I explained to the personal banker that my friend in XXXX has asked me to transfer this money to his friend ( XXXX ) in Ohio who is in distress and needed the money urgently. My friend in XXXX was going to refund the money to me the following week. 

He banker successfully made the transfer for me ( evidence attached ). My friend informed me XXXX had not received the funds after two days and I went to the bank on XXXX of XXXX to inquire that. The banker told me it takes three working days for the funds to hit the recipient account, and that he should be expecting the funds by Tuesday. 

Basically, as I write this complain, XXXX has not received the money, and Wells Fargo is not doing anything to get my funds back to me even when I have since requested for the transaction to be cancelled and my monies returned to me. The recipient has borrowed monies elsewhere to solve his problem and asked me to get my money back since it could not come on time. 

Wells Fargo continue to tell me the funds have been sent, yet XXXX who are the bankers of XXXX deny receiving any funds from me on all the three occasions that XXXX went to inquire about the funds, the last of it been XXXX of XXXX, 2016. 
I must emphasize that, I do call Wells Fargo on phone to talk about this almost every day, and have gone to the branch I made this transfer on countless occasions. 

I needed this money last week ( in addition to a delta voucher I have already ) to get a ticket to visit my family ( in XXXX ) during the XXXX. I could not get the money and now prices have shot up since then and continue to go up since. 

Why would Wells Fargo treat a poor international student from XXXX in this manner?

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 2021-09-27
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data System and XXXX XXXX XXXX are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of my HIPPA release form authorizing Medical data system access to my medical file by gotten no reply in that regards yet, they continue to reporting account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility.

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 2020-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
Doesn't belong 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 2020-04-04
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this due to non-compliance with the CAPITAL ACCOUNTS. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is regarding Comenity Bank - Victoria Secret Credit Card. In XXXX, 2021 I paid off the entire outstanding balance on my Victoria Secret Credit Card ( Comenity Bank ) of {$56.00}. Following, I did not receive a statement, and did not log into my account as it was paid off. Later, in XXXX, 2021, I received a Victoria Secret statement with a balance owing of {$62.00}. After researching my statements it appears in XXXX, 2021 the bank charged a {$2.00} fee on a {$0.00} balance account. Representatives from a Comenity call center ( offshore, XXXX ) could not explain why I received the fee. The {$2.00} fee accrued additional fees, including late fees, and now I am advised I owe a balance of {$62.00}, due to a {$2.00} fee that was charged in XXXX, 2021. It appears fees have been capitalizing over the past several months. I was advised I must pay the fees, later I was told the fees may be waived as a one time courtesy. 
I would like the fees to be waived, but more importantly, I would like the bank to discontinue the practice of charging fees on a {$0.00} balance account with additional fees on top of fees as well as late charges accruing and charged to an account that has been paid off and has a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to report the payment status positive and update all late from reporting on the following accounts : XXXX XXXX  XXXXBalance {$260.00} XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I filed an complaint with XXXX XXXX XXXX on XX/XX/2015, I advised XXXX XXXX XXXX that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure XXXX XXXX XXXX are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise XXXX XXXX XXXX company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that XXXX XXXX XXXX are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If XXXX XXXX XXXX fail to respond in writing, signed by hand, in a timely manner, I will assume that XXXX XXXX XXXX are in error and this matter will be challenged. As XXXX XXXX XXXX further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and XXXX XXXX XXXX claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, XXXX XXXX XXXX have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: AMERICAN EXPRESS COMPANY
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
need to get c r for XXXX did not rec the card for which i was chg a fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX i was a Victim of Identity Theft i am having a problem with Equifax With a Fraudulent Account from Collection i Never Open any Account with XXXX XXXX XXXX with a Balance {$200.00} XXXX contacted Equifax and Made A Dispute for this Account and Equifax Denied the Dispute and the Information was not remove from my Credit Report and i Contacted Equifax Today XX/XX/2021 and Open a new Dispute this account does not belong to me and is Fraudulent and i never lived at XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX also this address is Fraudulent Showing on My Equifax Report and also this Account Was Disputed with XXXX and it was Already Remove so i dont understand why Equifax Denied the Dispute investigation for this Fraud Account From This Collection Agency Coming From XXXX  i Never had any Account Open with this Company neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Is Navy Federal Credit Union in violation of escrow policies and procedures? 
When the escrow account has a balance at the end of an escrow period, a refund should be processed as the funds collected were for the payments scheduled for the escrow period. 
Navy Federal Credit Union is collecting and holding escrow payments for subsequent periods instead of ending the current escrow period and identifying accurate projections and payments for the following period. 
Additionally, Navy Federal Credit Union has informed its customers that they are now doing escrow analysis on a different calendar year than before, XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. Has the bank received special permission to change the period? Are other banks doing this practice? Have escrow guidelines changed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: COMMERCE BANK
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
For the past 9+ years I have maintained an exemplary standing with my Commerce Bank Visa credit card account. In the past 1-2 years I added my granddaughter and a couple of nieces as authorized users. On XX/XX/XXXX of 2021 I called to remove my granddaughter, XXXX XXXX from the account. 1 ) adds can be made online but I was told that deletions could not be completed by phone or online, instead a form would be mailed. A form was mailed, however, the wrong form was sent to me ( it was a form to add an additional user instead of the promised deletion form ). 2 ) On XXXX the representative advised that while waiting for the deletion form, he would close my entire account and reissue a card to me alone ( which he did ). 3 ) On XXXX I paid the total account balance of XXXX dollar to bring my account to zero. 
After the closure of my account and new credit card number being issued, my granddaughter continued to use her XXXX  card ( which was linked to both her XXXX XXXX bank account and her old, closed Commerce account ). Commerce transferred charges after XXXX from XXXX 's old, closed credit card to my brand new credit card without authorization. To my surprise, I logged on and found additional charges along with a late fee for unexpected charges. The 1st two reps that I spoke to admitted that there was a breakdown in their internal controls that allowed XXXX  charges linked to an old, closed account to be transferred to my new account, however, Commerce fraud review representative came back and said that i was still liable even though 1 ) the prior account was closed 2 ) the new account only issued a card to me alone 3 ) Commerce had not provided the form necessary to remove anyone ( supposedly closing the old account was the solution- this can be heard on the phone transcript that Commerce refuses to provide me a copy of ). The XXXX charges made after XXXX are the responsibility of Commerce , not me. They failed to provide a way for me to remove users so they instead closed my account to avoid unwanted charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I called wells fargo about a transaction on XX/XX/2016 or XX/XX/2016 XXXX transaction stated from XXXX money was put back in my account of XXXX in which wells fargo claims they never did and now XXXX says they did also but the bank says no also have an id number for the XXXX XXXX they have all the info want my XXXX back now fighting this for 2 months or almost on my bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I notified Professional Finance Company INC. to Validate a debt they were trying to collect. I ask for the following information and actions : What the money you say I owe is for? 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable ; and identify the original creditor. 
Prove the statute of Limitation has not expired on this account. 
Show me that you are licensed to collect in my state ; and provide me with your license number and registered agent. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Then the company sent a screenshot of charges from XXXX XXXX XXXX and letter that stated the debt was validated and I had no legal right to request such information from their company. After doing my own extensive research turns out that my insurance company paid the charges the company stated I owed. I did send payment for the reminder of the amount I should have been charged but was not. I have proof I do not owe the amount they said I do ant they have been report on my credit invalidated information to all of the three major Credit Bureaus. 

This is a medical debt and should be a HIPPA Violation. The original debtor XXXX XXXX XXXX just sent me to the collection agency not giving me the ability to request an updated of the error.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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:
These accounts do no belong to me, please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation