BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.

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 2017-01-11
Company: Nationwide Debt Management Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated daily phone calls from XXXX with " Nationwide Debt Management Solutions '' at XXXX. I spoke with her the first time she called and informed her I can not receive personal calls at work. She refused to tell me who the original creditor is. I told her if I was disputing the validity of any debt with them and she needed to send proof to my home address. I also provided her with my cell phone number. She continues to make repeated, frequent, and harassing calls to my workplace. She has contacted several of my co-workers and my manager. She has been numerous times to stop calling my place of business and refuses to do so. If someone answers and asks her what it is about she refuses to say, only stating that she needs to speak with me about a personal matter. If they say I am unavailable, she yells " RUDE! '' and hangs up. in addition, because one of my co-workers would not transfer the call to me, she called another co-worker asking to speak with their manager so she could discuss their lack of professionalism on the phone. The person who spoke with her simply told her I was unavailable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had an account opened at XXXX without my knowledge. My identity was stolen several times by unknown persons. There have been several ID complaints files with FTC. So I had to file bankruptcy because of the theft. I contacted ChexSystems about accounts at XXXX to be removed from file an the refused to remove. These accounts were discharged in a chapter XXXX XXXX/XXXX/2013. They want remove because bankruptcy was filed before they were reported to them. Well quite natural the accounts were closed way before they got reported.

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 2015-07-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I called ChexSystems Security Freeze Dept on XXXX/XXXX/15. The CSR told me that she could n't help me because I had lost my PIN. I asked to speak to a supervisor and she told me no one there and would n't be in until Monday. She then hung up on me and so I called back and the same CSR answered the phone. I asked for her name and would n't give it to me. She hung up again and so I called back. this time she picked up the phone and just muted the line. While still on the line, I called from a different phone in the house and the CSR picked up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank is taking full advantage of unemployed people. I have a transaction that I tried to stop. I was waiting for my unemployment direct deposit and noticed that my credit payment was automatically coming out. I tried to stop the automatic debit but was told that the transaction cant be stopped, I called my bank and I was told that they cant blockage transactions I had to wait for the charge to hit my account, once the chats get hit my account I called my bank again and was told that nothing can be done because it was pending. By then I was finally able to remove my banking information from my credit card profile. My bank charged me XXXX over draft fees and when my unemployment came in I had to pay XXXX {$36.00} fees. This should be illegal because I desperately tried to alert my bank to no avail and most of my unemployment check went to their fees. Im a single mother of XXXX and couldnt pay a bill because of this. This has happened more then once at this bank. Even if I call them and they refund transactions I swear within a couple of days they are back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: WELLS FARGO & COMPANY
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
The bank has failed to contact me ( co signer ) on my daughters delinquent account. Damaging my credit with no notification. They said they had the wrong address. I have had my checking account with them since XX/XX/XXXX and they new my address. The bank continues to fail to provide me XXXX on interest that I paid XX/XX/XXXX. I have tried to conslidate the loans but they drove my credit score so low I did not qualify at a low enough rate to afford the payments. Wells Fargo continues to fail to work with us asking for payments we are unable to provide at this time. The interest they are charging me after they drove my credit score down would lead me into default. Wells Fargo departments do n't coordinate with each other telling us if we made 3 payments on the late account they would help to bring the loan current. They continue to fail to work with us to resolve all issues relating to my daughter student loan accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Bliksum, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I requested a personal loan to Loan Me Company for XXXX, at the time that I requested I have a emergency and I needed the money right away, I was very desperate that at the moment I did n't think about how high was the loan interest, which 144 %, and now I struggling to make the payment on time, is hard for me now because besides this high interest and high payment loan I have another payments, and another basic expensive that sometimes I end without no money left.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Credit Protection Association, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account is fraudulent i have sent in copies of my id and the police report with it listed i dont know who stole my information and opened this account but this needs to be removed from your files immediately

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 2021-07-03
Company: Conduent Incorporated
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXX XXXX, Way2Go card-commerica bank, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been trying to work on a modification through BSI for XXXX XXXX since XX/XX/XXXX. The servicer stated they sent missing documents letters and set a foreclosure for XX/XX/XXXX which our firm was able to get postponed and we resubmitted for modification. I spoke with the assigned agent today, XXXX XXXX, who stated that the borrower is not entitled to a modification review and that they sent a denial for missing documents on XX/XX/XXXX when in fact I received a complete application letter on XX/XX/XXXX and on XX/XX/XXXX they stated the file was still under review. I called them again on XXXX/XXXX/XXXX and the assigned agent was not available so they said they could not give me an update, the only agent allowed to discuss was XXXX XXXX. I left a voicemail to which I received no response. Today, after calling twice, a customer care agent was able to reach her and she rudely stated the account was denied and that the borrower had not paid for X amount of time therefore, the denial should not be deemed " unfair ''. We want to formally file a complaint as we believe their processes to be unjust. Now, they will deny any application and the agent stated, per your guidelines, they can decline if the application is submitted within 37 days of the foreclosure, yet we have been trying to get this completed since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Credit Protection Association, L.P.
State: MA
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:
My Identity was stolen back in XX/XX/2012. I made out a Police Report with my cities Police XXXX XXXX XXXX. I also made the steps to put my credit on lock down for a few months. I went through all the steps I was suppose to ... I even sent a copy of the police report to the XXXX itself XXXX times ( I do n't live in XXXX nor have I ever ).

Company response to consumer: Closed
Consumer complaint received 2015-08-08
Company: Credit Protection Association, L.P.
State: NV
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:
CREDIT PROTECTION ASSOCIATION, L.P., seeks to collect a debt that is not mine, is unenforceable, and barred by the California Statute of Limitations ( 4 years ). I have not been served, nor does court records indicate, that a filing or judgment of the matter exists in California. I have incurred costs of a California Licensed Investigator in obtaining this information. 

The debt is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I am having trouble with American Express investigating fraudulent activeity on my card as well as paying {$2100.00} when not authorized to do so. 
Every 60 days they remove the dispute without resolve andthen charge me {$27.00} for being late when I have paid all lineitem charges in full each month that are not in dispute. I am an attorney and careful about following the law. It is in legal, but nothing is being done, so every sixty days I come backhere and complain again. The account has been in disputesince XXXX 2013 with no resolve -- and because theydeem the account late every sixty days, when it is reallyin dispute they remove my rewards points earned and I haveto spend hours trying to get them just to comply with the law, not to mention reconciling the account. Please read theattached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I opened a new Citi business checking account with a $ XXXX deposit to take advantage of the bank 's $ XXXX Cash Bonus offer. The Cash Bonus was to be credited to my new account within 90 days from the end of the month in which I completed the Offer requirements, which I interpreted to mean by the end of XXXX, XXXX, since I had completed he Offer requirements by that date. 
I contacted the bank in XXXX and was told to expect the bonus deposit within 30 more days. I contacted them again after the 30 days, and was told that it was still forthcoming. Finally on XX/XX/XXXX I was told that the Form W-9 that I had submitted when I opened the account in XXXX had not yet been " certified '' so I resubmitted another Form W-9. 
It wasn't until the middle of XXXX that the Cash Bonus was deposited. 
I feel that the Cash Bonus offer was, at a minimum, misleading, but may have actually flirted with misrepresentation. 
I also feel that I should be compensated for the 4 1/2 months of lost interest and the associated aggravation and distress caused by the bank 's mishandling of this offer.

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 2015-12-10
Company: Finance of America Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Paid {$420.00} for appraisal on home based upon rates that were originally quoted for a mortgage from Finance of America Mortgage dba XXXX XXXX. When documents for mortgage were provided the quoted rates were higher by XXXX. I elected to go to a different broker/lender ( XXXX a division of XXXX XXXX XXXX , XXXX ) and requested appraisal to be transferred since I paid for it. XXXX XXXX did not respond for several weeks and when they did they were uncooperative and would not provide necessary paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2021, I tried to get the balance of my card and I was unable to do so. I called Direct Express, and they told me there was a lock on my account. They couldn't tell me why, they said it was confidential and couldn't tell me why my account was locked. I called Social Security and they told me they sent the money to Direct Express XX/XX/2021, and I needed to talk to Direct Express. I called Direct Express who told me my account was still locked and I needed to send proof of identity- social security card and birth certificate. I called Social Security again, and they told me that they would close that old account, and renroll me, so they would suspend the Direct Express card and then send a new card by XX/XX/2021. I didn't get anything by XX/XX/XXXX, so I called Social Security again, and they said they would send a new card again on XX/XX/2021. I called Direct Express to see if the account had been suspended and a new account created, and they said no. They asked me to update all my information and I did so. On XX/XX/2021, I also faxed Direct Express the documents they requested ( the social security card and birth certificate ). On XX/XX/XXXX, I called and spoke with a XXXX from Direct Express who told me that I had got a confirmation that I was approved by Direct Express for receiving my benefits on XX/XX/2021, but I had never received anything about that confirmation. He then told me to resend all my documents since I got no confirmation and sent this XX/XX/2021. I still have not received any new cards and still have no money on the card I have now. The case number with Direct Express is XXXX. 

I am XXXX and there are extra hurdles and obstacles for me. My mom has had to help me with this process and it is my mom 's email as contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Financial began foreclosure proceedings against my home XX/XX/XXXX. By working with a local housing counselor, XX/XX/XXXX Wells Fargo agreed to let us conduct a " short sale '' on the property. We contracted with a real estate agent and they began showing the property in XX/XX/XXXX. By XX/XX/XXXX we had a buyer and had signed a contract for the sale, to be done in XX/XX/XXXX if approved by Wells Fargo. I got a letter near the end of XX/XX/XXXX telling me my new " single point of contact '' was XXXX XXXX. I called XXXX to see how Wells Fargo was progressing on their decision about the sale. She did n't have that information, but said she would get back to me. On XX/XX/XXXX, XXXX called to tell me that Wells Fargo was going to put our account under " the consent order review to see if they could get us enough money to repay our arrears and save our home. '' I told XXXX we had already been denied monies under the " consent order '' but go ahead and see. I called XXXX back 2 days later and told her we had cancelled the contract for sale since Wells Fargo was trying to save our home. She told me she did n't know what I was talking about because she had never said that. In late XXXX I was notified that Wells Fargo had sold the loan to the XXXX Master Participation Trust, to be serviced by XXXX XXXX XXXX. Wells Fargo then proceeded to foreclosure, the sale was held XX/XX/XXXX and they bid {$210000.00} on the home. That bid more than covered our debt, so no shortage was charged back to us. Finally in XX/XX/XXXX, Wells Fargo admitted they had promised to save our home, after lying to me for 6 months. I have their admission recorded. They say they owe us nothing, even though I have requested at least {$10000.00} in relocation ( as promised during the short sale ) or I want my house back, like they said they 'd do in the first place. They say they will have an answer for me by XX/XX/XXXX, but I 've heard that song and dance for over a month now. My husband and I are still living in the house. However, the XXXX Trust had also hired the law firm of XXXX and XXXX to foreclose on the same property in the amount of {$250000.00}. I do n't know where they got that figure. XXXX and XXXX was the foreclosing attorney for Wells Fargo as well. But today the law firm said the file had been closed. I was surprised it was opened in the first place. Did n't they know they had already foreclosed on my house? All of this is on top of questions I have about how much we actually owed them. I had requested a print out of all account activity and it was full of charges as low as {$15.00} to as high as {$500.00} for " inspection fees, '' " administration fees, '', etc. that they insisted were being charged sometimes every week.

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 2016-07-27
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I recently disputed this account through the CFPB portal but I have not had a response from the collection agent or creditor. 
Case number : XXXX The details were as follows ; I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; This account was not opened with my authorization and I am unaware of the details of this account ; the balance reported or am I responsible for any debts occurred on this account. 

Please provide me with a copy of the application for service agreement verifying my authorization of the account in question through the CFPB portal for my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXXpresent and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

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 2016-07-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
CITI BANK tried to collect money ( XXXX XXXX and twice on XXXX XXXX ) owed them, saying it was past due, when I had never received a bill. I refused and ujpon receipt of the bill, discovered it was not due until 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