BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 I called my bank and asked if there were a program that they would allow me to writs a check to my phone/internet & TV service because I have a notice to be disconnected, I was told that I could apply for " Over Draft Protection '' and if approved they would honor the check and charge me {$35.00} to be paid on XX/XX/XXXX when I get my social security & SSI benefits, after a long wait I was told that I had been approved, I 'm XXXX year old, again on XXXX XXXX ( 2016 ) I called the bank and asked about the over draft approval to see if I could get {$20.00} knowing that on XX/XX/XXXX I 've have both of my benefits posted, I was told by the representative that as a courtesy he would reverse the {$35.00} that has been charged and I could go to my bank ATM and with draw {$20.00}, However there will be a {$35.00} charge and since he removed the first charge I will only have " XXXX {$35.00} ' charge for both transactions, I went to my bank out side ATM and was denied the transaction, I went inside the bank spoke to a representative and was told that she did not see any overdraft protection on my account and the ATM machine make the decision to honor the traction not a live person, I went home and later about 3 hours I received a notice that I owed {$68.00} now because the check was re-deposited on XXXX XXXX ( 2016 ) and a second charged was added. 
My complaint is : 1. When I spoke with the representative on XXXX XXXX and was informed that a program allowed me to pay a bill and be charge {$35.00} I accepted but the check was returned. 
2. Speaking with a representative on XXXX XXXX he did not mention anything about the check not being honored and lead me to believed that he has reversed to {$35.00} charge he never said anything about the approval for overdraft protection being left up to " A Machine '' ( ATM ) for approval, 3. I called again on XXXX XXXX at XXXX asking why the additional charges and approvals. 
4. On XXXX XXXX about XXXX I again looked at my account and XXXX {$35.00} charge has been removed now I owe {$34.00} I need someone to explain what overdraft protection mean and why a machine is the only approval source and why representatives do not keep notes on conversations when they advertise that a conversation XXXX be recorded.

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 2023-09-27
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Check n go is accusing me of taking out a loan back in 2019. No proof has been giving. They are trying to take me to court and get me fired from my job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good evening, To whom it may concern, My name is XXXX XXXX XXXX, The executor, secured party, creditor and sole living heir to the XXXX XXXX XXXX XXXX XXXX 

I have contacted TRANSUNION numerous times using various methods of communications both written and verbal. My efforts have Been ignored, laughed at, discriminated against, mocked, and by them doing so has caused me pain and mental anguish. The unauthorized use of my private information by TRANSUNION and it's third party associates has not gone unrecognized and I must point to proof of such unauthorized inquiries and accounts. 

TRANSUNION has misled me to believe that they are a Credit Bureau which is in fact the opposite. According to 15 USC 1681a ( d ) ( 1f ), TRANSUNION is a Consumer reporting agency and a Consumer Reporting Agency means any person which, for MONETARY FEES, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of XXXX XXXX for the purpose of preparing or furnishing consumer reports. 

Based on the scope of the definition, it clearly indicates that TRANSUNION is in the business of buying and selling consumer 's private information to third party vendors. Which would make them some sort of financial institution and also dealing in securities and exchange. 

Being a private XXXX XXXX and not a vessel of the United States. It is my right to demand access and assess all accounts and contracts that all XXXX XXXX has established with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX written consent. That also includes TRANSUNION. 


The Freedom of Information Act ( FOIA ), the Privacy Act at 5 U.S.C. 552a ( b ), section 1106 of the Social Security Act, codified at 42 U.S.C. 1306, and SSA regulation at 20 C.F.R. 401.100 provides legal authority for disclosure of SSN verifications from SSA records.

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 2022-05-22
Company: Spring Oaks Capital, LLC
State: IL
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 RportingXXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been XXXX since 2018 and receive XXXX  XXXX that ended up being for the needy. I worked 10 years and filed and was denied. Refiled again and didn't get what I was insured for. I am XXXX XXXX XXXX and have sent in XXXX Dismissal to XXXX and Nelnet twice and once with a Dr.s signature. They refuse to act on my claim and are threatening my credit today. It has been five years, and at XXXX you don't do reviews. I have never worked in my field and my degrees ended up being worthless. I need relief. I have XXXX grown children still at home, XXXX by XXXX and XXXX, and I finally have state help in XXXX for assistance and long term care so I don't have to go into a facility. Why won't anyone help me? I have no home or running vehicle, and my oldest son stays here to help me and gets paid. SS has decided to ignore all of this and documents have been sent over and over again. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had several strange messages left on my phone ( XXXX ) XXXX that I did not recognize. The messages referred to a XXXX from XXXX XXXX XXXX and in referencing my property and they said if I did not call, I would be forwarded to my local jurisdiction. After two of these messages, I decided to call out of curiosity. A man named " XXXX XXXX '' answered the phone. He stated this was regarding a " debt '' from US Bank. he said the initial amount of debt was over {$3000.00} dollars and they were looking to take my property. I informed him that I did not receive a letter from the company and had no idea about the debt. he offered to settle the account for XXXX. I provided my debit and credit card information in good faith and if this was a valid debt, I would like to have paid it off. I signed several documents through XXXX. I was speaking to my girlfriend who told me there was a XXXX fraud going on regarding debt collections. Since this was a debt that I was not aware of. I happened to call US Bank to verify the debt, but the call center operator could not confirm the debt, in spite of being given the account number. Having reviewed the documents, the names on the documents were not consistent. I tried to find the Collections company but only found a similar company in XXXX, NY. Not in XXXX, CA. The name " XXXX XXXX '' is attached to XXXX information.

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 2023-10-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX at XXXXXXXX XXXX I went to the XXXX XXXX Wells Fargo Bank in XXXX XXXX, CA. I had {$5000.00} cash to deposit to my business account. There was a long line and only one teller, so I was directed to use their ATM there on the floor. I put in the entire {$5000.00} in bills, but the ATM stated to me that I had deposited too many bills and was returning them to me. I waited ; instead I received a receipt for {$1800.00}, a receipt for {$400.00}, and one crunched up {$100.00} bill. No more money was returned. I immediately called a bank manager over to complain why the remainder of my money was not returned. He only said he would file a claim. He handed me his card with the claim number on it and that was all he did. I I left w/o the remainder of my cash deposit which is {$2700.00}. Within 12 hours I reviewed my account on line and verified that the only deposits credited to my account were {$1800.00}, {$400.00} and {$100.00}. I received a temporary credit 2 weeks later for the {$2700.00} and then received a letter on XX/XX/XXXXXXXX  stating that the {$1800.00} deposit was correct and is all I would receive. There was no reference to the {$400.00} deposit or the {$100.00} bill which was returned to me. No one from WF claims ever contacted me for a statement or did any investigative effort. WF has kept my {$2700.00} with no accounting whatsoever. I have banked with WF since XXXX and run 7 accounts through this bank. I am angry that they kept my money, gave me absolutely no accounting and no communication

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 2023-09-27
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a dispute with XXXX University last month for {$42.00}, Client Accounts Number XXXX, and Accounts Receivable Resources Account # XXXX. When I called yesterday and today, they claimed it verified it was valid. Still, they didn't send me anything to prove that saying that it was valid and won't help me redispute or dispute it again because I disagree with it, and they keep hanging up on me and getting smarts to me over phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX Issue- I previously had an issue with Bridgecrest calling and thought I had the issue resolved. I spoke with upper management whom informed me of my rights. At the conclusion of our call I informed her that she could leave my call preferences as is and assured me Id be contacted XXXX per day and that I could call back at any moment to update my call preferences. 

On XX/XX/22 I received a call while at work that I did not answer. When I checked the message it was from Bridgecrest. I called the number back and stated I wanted to update my call preferences. I explained I had spoken to corporate and was informed of my call preference rights and would like to invoke my rights. The male rep asked how would I like my call preferences updated and I said do not call I will call you. He proceeded to rattle off that if I did what they call a cease and desist that this would alter Bridgecrest repossession policies and the vehicle would be up for repossession at any day. ( This is a form of retaliation- I cant call you so since I cant call you we will repossess the vehicle sooner than we said we would ) I explained him that this is all new information since there was no mention of this during my previous call with corporate and this is basically a threat for invoking my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am sending a complaint by myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. This company has illegally re-aged this account. Please investigate this matter because under FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted two claims for a double transactions Wells Fargo, stating that the merchant had doubled charged my account. 
They submitted the claims with the information i provided but refused to immeadtely return the money -- once again stating that it would take another " 10 business days ''. 

I found that unacceptable.

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 2023-09-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received numerous voicemails and they are making numerous calls to different people within my company. The last call they said they are with the XXXX XXXX XXXX 's office and it's urgent they speak to me. I called back and they are not with the clerk 's office the lady said the company is XXXX or XXXX XXXX XXXX. She also told me my wages will be garnished and asked if my employer had told about the garnishment. I told her no and that I know they can't garnish my wages without a court order so send me the court date. I asked why they are saying they are with the XXXX XXXX XXXX 's office when they are not and she said that is someone else who is trying to serve me that made the call. 

I then called the XXXX XXXX XXXX 's office and there is not record of an impending court case or date and there is nobody serving for me a court date as nothing has been filed in the court. 

Phone # XXXX that they have called me from are XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
When covid hit and options to be put in a forbearance program became available we accepted and were told that all the payments would just be added on to the back end of the mortgage and we would start making regular payments once the program was over. They allowed us to be in the program for over a year and then when it was over they demanded all that money up front and would not modify the loan or anything. Then they filed for foreclosure. We have hired an attorney to represent us because they lied to us and all the phone calls we made confirming this process were recorded so there is solid proof of their lies. They also failed to send us paperwork on time causing us to mis deadlines etc. Cardinal FINANCIAL is the company that held the mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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: Account status incorrect

Complaint:
XXXX XXXX XXXX # XXXX they reported incorrectly on my credit report 30 day late payments which is incorrect. 
i tryed to get this corrected 2 times already and all they did was comment that acct is current. but did not remove the 30 day late payment on my reports which are in red and affecting my credit score.please update and remove the 30 day late payments. 

XXXX XXXX 30 days late -- incorrect XXXX XXXX 30 days late -- - incorrect

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 2023-02-23
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid XXXX Mortgage payment, the XXXX Wells Fargo took my check to XXXX XXXX Bank Alaska for payment and first payed the first ask, but not the second ask as Wells Fargo did a double presentment. The second has sent Wells Fargo into removing my payment and claiming that my Bank did not honor the check. 
XXXX XXXX payed the check and there is no sign of a return of money to the account. 
Wells Fargo is now claiming " Return to Maker '' Wells Fargo has the money, they are having a real problem in Finding the funds that they still have, and are Sending notices that I am behind and that they are getting close to starting the paper work on foreclosure..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX, account XXXX XX/XX/XXXX I received a notification from transunion that my account was reported 30 days late and charged off delinquent. I have never missed a payment my most recent payment was on its due date XX/XX/XXXX in the amount of {$30.00}. I have tried contacting the company numerous times and in result I've been told to contact the credit bureau or the reps would just end the call with no further information. 

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 Section 1026.10 ( a ) does not require the creditor to post the payment to the consumer 's account on a particular date ; the creditor is only required to credit the payment as of the date of receipt. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I have repeatedly asked Citizens Bank to stop sending me marketing solicitations. They make it extremely hard to even find out how to do it. You have to search on their website to even find it and when you do it gives incorrect information. 

I have attached the solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First Federal Credit Control contacted me asserting they were the rightful collector of a medical debt I was disputing. 

On XX/XX/2022 I mailed a letter to FFCU by way of Certified Mail, tracking XXXX. That letter was received by FFCU on XX/XX/2022. 

In my letter I requested a copy of the original debt agreement, a verification of debt and itemized statement. 

In a letter dated XX/XX/2022 I received a statement, I never received a verification of debt or a copy of debt agreement. I began to assume I was a potential fraud victim. 

I dispute this debt. I dispute FFCU has any claim to collect even if the debt were valid. FFCU has violated the statutory timeframe in which to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: NAVY FEDERAL CREDIT UNION
State: NC
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, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation