BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
I have contacted XXXX multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted XXXX at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. XXXX customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please note that this complaint is against Wells Fargo : On XX/XX/XXXX I attempted to transfer {$1500.00} from my Wells Fargo account to my XXXX XXXX XXXX account. I tried to use my debit card on the latter bank on XX/XX/XXXX and it was declined. I checked my account and the transaction had been reversed somehow. This caused me to have a negative balance. So, instead of moving money from the Former bank account the transfer came from the bank that was supposed to originally receive the money. I have transferred money before and never had this problem. 
I called Wells Fargo to make sure that they cancelled the transaction in hopes that this would reverse the transaction and the money would not be accepted from XXXX XXXX XXXX. According to the agent I spoke with, the cancelled the transaction. 
Fast forward to the XXXX and I am not showing the transfer in the Wells Fargo account but I am still showing a negative balance in the bank account that was supposed to originally receive the transfer. 
I have called both banks numerous times. Wells Fargo has no documentation of a transfer or a deposit of funds from the latter bank. The other bank declares that Wells Fargo received the money. 
Please note the attached screenshot that is the only evidence that is obtainable. It shows the wrong transfer from the latter institution to the original bank that was supposed to transfer the funds. 
It is very disappointing, today, in 2021 a bank does not have the capacity to keep up with its transactions and mysteriously I have no record of any of the events that have occurred in the past 9 days.

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 2018-06-04
Company: Cordoza & Wexler Recovery Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2018 called said they tried to serve me at my job I don't work so not possible. Said if miss court date used foul language. Call back number is XXXX.i located them to be in Pennsylvania. When I asked for company name they said Cordova and wexler when asked for address they hung up.i called back voicemail said 8 by 8.didnt give me case number asked for personal information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been an Amazon credit card holder through Synchrony Bank for several years with a credit line of {$10000.00}. Account # XXXX and I have attempted to work with Synchrony 's customer service department ( XXXX ) XXXX on six different occasions since XX/XX/2022, to resolve a refund due in the amount of {$240.00} for a product returned to the seller. 

Despite providing Synchrony with proof of the return and an email from the seller acknowledging receipt of the returned product, Synchrony continues to drag its feet by not providing the refund or issuing a temporary credit to my account while they review my claim.

In frustration, and not wanting to jeopardize my credit score, I have paid my account in full and would request your team 's support in holding Synchrony accountable for not adhering to the required steps involving a credit card dispute. 

The product was returned to the seller on XX/XX/2022, via XXXX tracking # XXXX ( defective ), as well as the secondary replacement product on XX/XX/2022, via XXXX Tracking # XXXX and delivered to the seller 's dock door on XX/XX/2022, and signed for by XXXX. 

Order # XXXX XXXX XXXX $ {$240.00} email from the seller and provided to Synchrony - " Thank you for confirming that the return shipment was sent back. Amazon should have processed your refund automatically when you returned the replacement, and Im not sure why they havent processed the refund. We will have Amazon process your refund back to your account now, and they will send you a confirmation once its been processed. Please let us know if you need anything else, and sorry for the inconvenience ''.

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 2017-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My employer issued me a check from a frozen bank account that they were not aware of. I promptly called my bank institution and spoke with a customer service representative, an account specialist and security. The account specialist XXXX explained that they received confirmation from my employer 's bank that their account was frozen prior to issuing my check deposit and explained that they would not think it was fraud due to this knowledge. I have received another check from my employer and the bank has made it available to me in one business day. Upon checking my account on XXXX-XXXX-17, I realized that my account was in the negatives and had this note " reg cc XXXX '' next to my deposit. I called Capital One but it is a bank holiday. I am concerned about the practice of this bank institution because according to the regulations of the federal reserve, I am to be notified ( the account holder ) of this hold on my funds and went it would be available. Upon checking further, XXXX is a fraud detection and has signified this check in my account to be held. I am disgusted as the bank and their 3 representatives assured me that they knew what was going on and I would not be penalized for this. It was not my fault that a check given to me was from a frozen bank account and now they want to hold my funds against me for something they thoroughly discussed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding Community Loan Servicing Our mortgage was to be paid in full in XXXX, XXXX, however, at that time, we were told that we had one late payment ( untrue because we were set up on auto pay ) and no other explanation but we still owed {$6600.00}. We sent {$2100.00} in XXXX, XXXX but it was returned because we did not have a pay plan in place. We called to set up a pay plan of {$630.00} per month and started paying {$700.00} per month starting in XXXX and the payments were in a holding account and not being applied.. Our last payment was made on XX/XX/XXXX. XXXX ( husband ) tried calling on XX/XX/XXXX to make a payment. He was on the phone for about XXXX hours. The first person told him that the payment was {$280.00} but wasn't sure after looking at our account. He was transferred to another person who stated we owed {$140.00} but still wasn't sure and then was transferred to a XXXX. Our regular XXXX who XXXX had spoken to in XXXX was not available. He spoke with XXXX XXXX and XXXX stated that our account was paid in full and not payment was due, I ( XXXX, wife ) then logged on to our account and yes, it showed our account was paid in full I think. We do not know where we stand at this time. XXXX has called without success and I have emailed XXXX different email addresses trying to get this figured out. I even got a read receipt from one email but still no contact and no solution. I am enclosing documents and I hope you can make better since of it than I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I sent via certified mail, my Affidavit of Truth which was notorized, stating I do not owe American Express any alleged debts. In my attachment are the original documents sent and my certified mail receipt. They received my affidavit and did not respond with an affidavit or any proof that I owed them a debt. They sent back billing statements which do not prove anything at all. I, XXXX XXXX, am the original creditor, only creditor, and natural person, pursuant to 15 USC 1692 A. On XX/XX/XXXX, I was served papers of a lawsuit. I am now being harassed and extorted from a private company/agent, American Express Legal , represented by XXXX XXXX XXXX XXXX for an alleged debt I have no awareness of. Once again, provide me with proof of a contract that shows that I owe American Express a debt. Not billing statements or credit applications of me extending credit to American Express, but an actual contract. If you are unable to show proof, cease and desist, and delete any alleged account of debt that you are trying to collect from me. Your actions are in direct violation of the 1974 Privacy Act and XXXX5 USC 1692E ( 3 ), 15 USC 1692E ( 4 ), and 15 USC 1692E ( 5 ). Your policies, agreements and allegiance are also in extreme violation of the Peace and Friendship Treaty of Morocco and The Treaty of the Delaware Indians. I, XXXX XXXX, hope we can solve this matter in civilized and timely fashion. Kind Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX Account Number XXXX has violated my rights. 

XXXX XXXX XXXX Acct Number XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX  ) Account Number XXXX has violated my rights. 


XXXX XXXX XXXX Account Number XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX has violated my rights. 


15 USC 1681 Section 602 A States I have right to privacy.

15USC Section 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without written con
sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a bank statement XX/XX/XXXX ( my prior name in XXXX and earlier ) for an account I did not open. I have never used TD Bank either. When checking XXXX, there was a notification that the account was opened on XX/XX/XXXX. I did not open this account. 

I tried to reach TD Bank but after waiting over an hour there was never any response. The closest branch is over an hour away to visit in person. 

This account was opened fraudulently and TD Bank reps are not reachable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Received a call from XXXX XXXX from Cbj Credit Recovery Inc stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, The bill was paid in full and I provided proof to. This company have over 500 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my way of living. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 my spouse and I attempted to refinance our home to pay down debt. I solicited Loan Depot. XXXX XXXX was the " loan originator '' I spoke with that got the process started. I explained to him that we had a very bad experience with a loan servicing company named " XXXX XXXX '' and that we did not with to do any type of business with them. XXXX XXXX promised me that Loan Depot would not sell our home loan, that Loan Depot would be our permanent servicing company going forward. In a three week period, there were three loan estimates that contained multiple errors. XXXX XXXX flat stopped returning my phone calls and failed to respond via email. Additionally, after I submitted proof that I am property tax exempt Loan Depot started coming up with excuses not to move forward ; they wanted thousands for an ESCROW account that included property taxes. After I submitted proof of tax exemption, Loan Depot then said they could not prove I paid my mortgage payments during the last year. Loan Depot charged me up front for a credit report that clearly depicts my loan payments were made. I also had to pay up front for a VA appraisal. When I finally fired Loan Depot, it took me several emails to get my appraisal from them. Also, I did attempt to change offices with Loan Depot but they refused to allow that ; called me " demanding ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with CREDIT COLL plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$190.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello, I received a complaint from XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Discover Bank vs. XXXX XXXX XXXX. 

Amount of {$2100.00} and costs of {$110.00} Docket # : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX at Law XXXX XXXX XXXX. 
XXXX, NJ XXXX An am pretty sure according to the Fair Debt Collection Practices Act : XXXX : XXXX https : //www.consumerfinance.gov/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/ The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. In addition, on XX/XX/2021, the CFPBs new Debt Collection Rule became effective. This rule clarifies how debt collectors can communicate with you, including what information theyre required to provide at the outset of collection about the debt, your rights in debt collection, and how you can exercise those rights. 

Kind regards, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good afternoon, I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. 

THE BRIDGE CREST CREDIT ACCOUNT IN WHICH WAS A REPOSSESSION DISPLAYED AN INSTALLMENT AMOUNT OF : XXXX, IT OPENED ON THE DATE OF : XX/XX/2012. WHY IS THIS ACCOUNT STILL REPORTING NEGATIVELY ON MY CREDIT REPORT? I HAVE NOT RECEIVED ANY RESPONSES IN REGARDS TO THIS UNFAIR ACCOUNT. PLEASE REVIEW CAREFULLY ALL THE DETAILS AND REMOVE THIS ACCOUNT IMMEDIATELY, AS FOR IT IS GETTING IN THE WAY OF AN IMPORTANT PURCHASE I HAVE TO MAKE.

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 2021-12-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an Amazon Store Card with Synchrony Bank in XX/XX/2021, was granted a {$600.00} credit limit, and used it to purchase an XXXX XXXX XXXX. On XX/XX/2021 I made a payment of {$500.00}, leaving a balance on the card of {$94.00}, which should have made about {$500.00} available to spend. As of today, XX/XX/2021, the payment has posted to the account and cleared my bank ( as of XX/XX/XXXX ), but there is still only {$5.00} available credit. No other charges/purchases have been allowed to be made and there are no pending transactions. I have made about {$600.00} in purchases from XXXX XXXXn the past week ( XXXX gifts ) using other payment methods, but this lack of access to what should be available credit on the store card has caused me to not be able to take advantage of the 5 % cash back on such purchases. There was no notification made to me when I made this payment that it would not result in that amount of credit being available, and there has been no explanation for it visible on the online account information, nor has there been any notification of a change in the status of the 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 monetary relief
Consumer complaint received 2019-08-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Healthcare Revenue Recovery Group ( HRRG ). An agency claiming to be a Medical bill collection agency, are in fact a complete fraud and are stealing money. They have harassed me for months now. 

They are part of fraudulent entities within the continental United States acting as legitimate bill collectors, where they have harvested information from health providers. They collect the private user data and then use a company to produce mass mailers to collect the money In XX/XX/XXXX, I had a hospital bill that was paid ( late ) but directly to the Hospital. I started receiving letters and call from HRRG in XX/XX/XXXX. The latest letter being dated XX/XX/XXXX and a phone call 3 or 4 times a day since XXXX of XXXX. 

A simple XXXX search of this company will verify that they are a fraud. 

HRRG XXXX XXXX  XXXX XXXXl XXXX, FL XXXX XXXX XXXX XXXX With a mailing address of XXXX   XXXX XXXX XXXX, OH 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 2017-09-27
Company: SYNCHRONY FINANCIAL
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: Problem with rewards from credit card

Complaint:
My Synchrony Bank XXXX XXXX Credit Card issues monthly reward checks based on purchases that month. The past XXXX hard copy credit card statements were not mailed to me along with my reward checks. I lodged a complaint for the first instance in XXXX for the bill cycle end date of XXXX XXXX, XXXX with due date of XXXX XXXX, XXXX. Many emails back and forth and I was told I would be receiving a new hard copy with check. The hard copy and check both were stamped " duplicate '' and the reward check could not be used. This month bill cycle end date of XXXX, XXXX, XXXX was also never received. So, they not only did not send my XXXX reward, they now owe me a XXXX reward. Obviously no one is trying to figure out who is screwing up over there but that is not my problem. I will no longer use the card unless and until they submit to me the earned rewards for XXXX and XXXX and all future earned rewards as well.

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