BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: SYNCHRONY FINANCIAL
State: SC
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 purchased a " lie detector kit '' through PayPal, when the item arrived it had clearly been used ( even though it was listed as new ), the software did not work with XXXX XXXX ( registering the entire product unusable for me ), and lastly the website promoted 50 questions by a licensed, professional polygraph expert ( what I got was 42 questions that would never be on a polygraph test, perverse questions such as what I XXXX too ). I called the seller, and they agreed to refund the money if I returned the product. I sent the product back in the original packaging. A few weeks later USPS called and said the seller had refused the return due to foreign tax fees. I ended up paying {$1000.00} for the lie detector kit, which I returned, {$100.00}, for shipping back to the seller, and an additional {$58.00} to pay for the seller 's foreign fees. I contacted PayPal and asked for a refund for the product of {$1000.00}. I would accept the loss of shipping it back and foreign tax fees. I also sent PayPal the shipping receipts showing it had been returned due to " misrepresentation ''. PayPal claims if an item is misrepresented, the buyer has protection, they clearly do not honor this.

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 2015-06-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A Wells Fargo bank teller asked me about a cashiers check that I wanted to deposit into my checking account. She asked me what the check was for. I told her that it was a personal business matter, and that I was insulted at what she may be insinuating. She called her co-worker over, because she wanted me to tell her what the money was for. The co-worker said that they simply wanted to check the " validity '' of the check. It was a cashiers check from XXXX in XXXX, Az. The teller then chose to freeze all of my assets, and said that she wanted to do an investigation for my protection. However, the justification ( s ) she used for the investigation were that I had refused to answer security questions, which by the way would not be needed with me standing in front of her with all of my credentials and proof of identity. I simply did not want to tell her what I was going to use the money for. She clearly created a power struggle because I would n't tell her exactly why I was issued a cashiers check for a measly {$1900.00}. I am furious!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX - mortgage account- too old to be on report ive tried to get it removed XXXX - XXXX and experian first went delinquent in XXXX  - cant stay on XXXX after opened was paid in full due to insurance coverage

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 2016-02-23
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have supplied caliber home loans with a detailed payment history from my bank showing a consistent pattern of dated biweekly payments that has been received and cashed by their company yet the company continue to report my account 30 days and 60 days late to the credit reporting agencies. I have ask caliber on several occasions via letter over the last 3 months to please correct this or provide me with proof disputing my payment history from my bank. Their only response has been a predetermined letter stating according to our records this account is reporting correctly. There has never once been any written proof and or documentation provided by caliber to dispute my claim or substantiate theirs just that letter. I believe this to be a predatory lending tactic to prevent patrons from leaving a poorly represented company by lowering its consumers credit ratings. As previously stated there has been a biweekly payment sent to caliber home loans on my account since XX/XX/2014 to present. There is no way my account could have ever been 60 days past due let alone 30 days with biweekly payments being made every two weeks for nearly 2 years consecutively. ( I have documented proof ). Caliber accounting department has held payments and applied two payments at the same time and reported my account as being late. I have documentation of the cancelled checks with the date they were cashed by caliber home loans. This information was supplied to both caliber home loans and all the credit reporting agencies and caliber is still reporting false information and refusing to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was going through financial hardship momentarily & contacted the credit card company to work out a payment plan and an extension. The extension was not granted and at the time I didnt know who to contact for help getting an extension or disputing the unfair judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have NEVER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX XXXX in XXXX NJ offered 0 percent financing through a Wells Fargo Credit Card. While I offered to pay cash the store suggested I take advantage of the 0 percent financing. We charged approximately {$1900.00} for the furniture to the new Wells Fargo account. We paid double the monthly payment for about a year and owed {$200.00} on the account on the 1 year anniversary of the charge. When our statement came in the balance was {$610.00}. A {$410.00} interest charge was added because the account was not paid off completely in the first year. I immediately paid off the {$200.00} balance and contacted Wells Fargo. They would not remove any of the interest even though the account was paid in full within 15 days of the 1 year anniversary of the charge. I can not imagine how this could be a legal business practice. We were never made aware of what would happen after one year, and if we were, we would have never opened the account. We could have just as easily paid cash. I feel as if I have be mugged by someone on the street and my wallet stolen. Why is this practice allowed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX, I sent a dispute letter to Equifax requesting that a XXXX showing on my report from XXXX be deleted. I also sent Equifax a letter from XXXX where they confirmed that the Bankruptcy information is not appearing on my XXXX report. I also attached a letter from the Bankruptcy court stating that they are not the furnishers of information to the Credit Reporting Agencies. Those documents are attached to this complain. 

On XX/XX/XXXX, Equifax opened an investigation regarding the dispute of the Bankruptcy. 

On XX/XX/XXXX, Equifax concluded it's investigation of the dispute. As a result of their investigation ( or lack thereof ), Equifax stated to me that XXXX " verified '' the Bankruptcy as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
When I opened my accounts at Wells Fargo, I was asked if I wanted overdraft protection. I declined the protection and specifically indicated that I would rather the transactions be declined, if indeed the funds are n't available in my account. In the last month I have been charged for XXXX overdraft fees and XXXX for a transaction as little as {$4.00}. This is ludacris. I have lost my income and I now have a negative balance of {$110.00}. I have emailed and called the institution and asked why I am being charged overdraft fees when I have declined the protection with no help at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07
Company: WELLS FARGO & COMPANY
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
12 month home repair interest free loan. Half way through the loan I took out a 55 month loan from the same wells fargo location for another home project They consolidated the XXXX loans with a single payment for both loans making it impossible to pay off the first loan unless I paid off both loans to get a zero balance. Could not get a payoff on first loan from them, just to total balance. paid 28.8 % interest on the first loan. Now the second loan which was for 55 month with 55 equal payment of {$130.00} per month. Wells fargo now says minimum payment now is {$360.00} per month on a {$6700.00} 55 month loan before they add interest. Spent many hours on the phone without any help from the lender

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 2016-07-02
Company: Credit Bureau Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company XXXX has issued a debt collector, CBCS, to collect on a false debt that has already been paid for. I purchased a ladder from their website online and have records of payment and receipt, they do not ship a ladder unless it is paid for, so there is absolutely no reason for them to try to collect on a debt that has already been paid for. I then got letters from a debt collector indicating I still owe for the ladder that I already paid for. The balance is {$230.00}, but I already paid this and should not even be seeing this debt. I already sent proof of payment to the debt collector and told them I am disputing the debt, while they only replied to me a letter indicating the bill of which I have paid for. Again, you can not get merchandise from this website unless you pay for it, so there is absolutely no reason why I am being billed for a ladder I already paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: ERC
State: IN
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:
I get a phone call on my cell phone, almost every other day, from XXXX. My phone only rings once. I 've Googled the number and learned that they are a a debt collector. I have no outstanding debt. I have a credit score of XXXX. 
The XXXX call began XXXX XXXX, 2015. 
I want the calls stopped and any assistance you can provide would be very much appreciated. 
Sincerely, Frustrated

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The phone bill was put into my name through a change of liability. I cancelled service & had to pay a cancellation fee. In order to be considered for a job at a financial institution all of my debts had to be paid. I paid the cancellation fee with XXXX in XXXX & had it removed from my credit report. Recently in XXXX of XXXX the derogatory remark popped back up on my credit report from a new debt collection company attempting to collect on XXXX behalf.

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 2020-02-29
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had made a payment agreement with XXXX XXXX, XXXX and I asked before they were going to take money out of my account that they were to contact me before to assure the money was available because my funds were short due to lack of work because of weather they never contacted me and I had needed the money for rent and asked if they could postpone my payment for a week and they told me I was basically S.O.L and just rude. I received many phone calls throughout the day and this went on for months and I answered the call while I was at work and was greeted with hostility and I had informed them I was at work and I would call them once I get off then the lady had told me that I needed to speak to her and handle the situation then and now and said I needed to step back and deal handle it now otherwise they will cancel my agreement immediately I was not able to spend my time with them at that point but she was VERY rude and I had lost my cool and said a bad word as I was hanging up and then received another call from her manager and he basically scolded and belittling me then informed me they cancelled my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I keep getting a call from XXXX, from somebody who claims to be a debt collector, and not only do they refuse to reveal the name of their company, but they have yet to send me any of the paperwork required by law, and I have yet to receive a single scrap of paper from them, and it 's been well over a month. The FDCPA requires a written " validation notice '' telling me how much money I owe within five days after they first contact me. This notice also must include the name of the creditor to whom I owe the money, and how to proceed if I do n't think I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$270.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-10-25
Company: SYNCHRONY FINANCIAL
State: NJ
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:
Dispute {$940.00} over charges for over one year. Over charged XXXX work that XXXX XXXX should be covered. 

XX/XX/2018 charged {$5500.00} by offering to open a new " CareCredit '' credit card at XXXX Office. I walked in for an emergency XXXX XXXX as a new patient. The original assessment was to extract XXXX XXXX  for promised around {$120.00} if I am a self-pay patient. Later, it was escalating to {$5500.00} for a few more works including a XXXX XXXX. I didn't bring any credit card for such expense, therefore, this XXXX  offered me this credit card without interest for 12-18 months. 

Next day, my wife told me that I still have my XXXX XXXX XXXX, and we called them a day after in XX/XX/2018. We was told that they are accepting XXXX XXXX and will bill insurance for the visit. My wife was asking for full refund of {$5500.00} because they should file claims with insurance first without pre-charging patient. 

We did not get any refund until a month later in XX/XX/2018. Plus we only got {$4200.00} refund. This dentist deducted {$1200.00} for a dental service that my insurance should be covered. I called my dental insurance, and was told that my responsibility should be {$50.00} plus 20 %. Total should be {$300.00}. Therefore, we were disputing {$940.00} and asking for refund.This XXXX over charged me for {$1200.00} because she did not follow the insurance guideline about one procedure. She also overcharged a {$260.00} dental work for {$740.00}. 

We have been writing to this credit card company over a year for {$1200.00} refund in order to avoid any financial charges while we were disputing the over charges by this XXXX. We have always received the same rejection. We believe that this XXXX  office got new customer for this credit card company. When the issue raised, they were at the same side to only protect their own interest not customer 's. 
I have been paying my minimum balance to avoid any financial charges. My current balance is {$880.00} which is over the refund of {$940.00} I am asking. Therefore, I will stop to pay any more from this month. 
I already called last year to cancel this credit card which I did not need from the first place.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2016-01-29
Company: BC SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016, I contacted with regards to an account which is appearing on my credit bureau. On my first contact I spoke with XXXX XXXX, and advised her I had made prior communication with your office regarding this debt as its validity is disputed. 

I advised XXXX that the debt was the result of an injury that occurred in a Casino, and that they were liable for the bill. At which point, XXXX XXXX advised me that I needed to provide the name of the Casino insurance company so your company could call and get the bill paid. 

It is my standing, that under the Fair Debt and Collection Practice 's Act, to be compliant, the company is to mark the account as disputed and validate the debt. However, in the above scenario, the conversation was not compliant with the FDCPA as the least sophisticated debtor would not realize that you are required to automatically follow a dispute protocol, and instead would have to go through the process of contacting the casino to provide this information to your company. 

Additionally, I later made contact with BC Services and spoke with a XXXX XXXX. I gave XXXX XXXX my name, and then XXXX XXXX gave me my date of birth and did not advise me that this was an attempt to collect a debt and any information obtained would be used for that purpose. I stand firmly, that your XXXX XXXX violated the law by providing my date of birth, instead of asking for it. Which violated PMI requirements. 

Additionally, both collectors made demand for payment knowing it was a disputed debt. In addition, the company had yet to send a validation letter to me, which is a violation of a recent decision by the Federal Consumer Protection Bureau that demand for payment within the first thirty days is a violation of the FDCPA, as the least sophisticated debtor would not realize they still had 30 days to dispute the debt. 

It is my belief that I have a valid claim against your company for non-compliance with the Fair Debt Collections Practices Act, the Fair Credit Reporting Act, and by giving out my date of birth, possibly HIPPA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation