BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in the process of closing a business account which caused my Wells Fargo truck payment to be declined. I received a phone call on XX/XX/XXXX and was told my account was late. I informed the supposed wells fargo employee that I would make the payment shortly after I corrected my bank account information. She pressured me to pay over the phone, however, I refused due to the number of scammers that are allowed to function in society today. She pressured and I refused. Apparently, this conversation didn't sit well with this person as i believe she sabotaged my account going forward, due to the following XXXX issues with my account : XXXX. I stopped receiving phone calls from Wells Fargo regarding my account. 
XXXX. I stopped receiving emails from Wells Fargo regarding my account. 
XXXX. The new account I set up for recurring payments ( I had to do deposit verifications for this account, so the account IS LINKED, ) however, my recurring payments that I setup apparently got cancelled somehow. I went back into my account to try to resetup the recurring payments but the website will not allow it ( attached ) which is even more indication that my account was tampered with. 

Due to the lack of notifications from Wells Fargo and the mystery cancellation of my new recurring payments, I received a 30 day late. This was the only notification that my account was past due. I have perfect credit and no lates on my credit report other than this one. 

I received the 30 late notification on XX/XX/XXXX from XXXX and I immediately called customer service but they could do nothing about it, so they opened an executive request. I received a call back from someone a week later. She was prepared to tell me something but apparently had no information regardng the problem. I informed her of the issues surrounding this account and she said they would get back with me. They never did. 

I have since paid off the {$60000.00} truck loan as I can no longer trust doing business with Wells Fargo due to this issue and their lack of concern for it. They apparently think I'm just another person who does not pay their bills which is obviously not the case here.

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 2024-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of 5 MB of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. 

As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. Also, when I go back online to follow up on the dispute ; the system doesn't show which disputes were made and there is no email confirmation of the submittal of the disputed accounts like there was for the account statement notification. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion to ensure that they provide a fair and efficient dispute resolution process for all consumers. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX 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
Consumer complaint received 2024-02-02
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Penfed Credit Union has a provision for XXXX XXXX that they give XXXX day interest for a fixed rate certificate under Compounding and Crediting. Penfed Credit Union is not adhering to their disclosure but is taking interest from the monthly dividends starting in XX/XX/year> because of XXXX XXXX. They are shorting customers interest monthly for the year whatever amount they decide and the customer service and chairman 's office have been notified. It could be a vender not updating for XXXX XXXX but no offer to rectify them scamming customers out of interest has been provided and they say they will continue to take the interest from certificate dividends. This interest theft from customers has to be stopped and held accountable.

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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife and I wired {$160000.00} to a Bank of America account from our XXXX XXXX XXXX XXXX bank on Tuesday XX/XX/. We received an email the day before from what looked like our lenders email account with wire transfer instructions to send the remaining down payment to. In the email chain, the fraudster even knew the exact details to our escrow account in the amount that was already paid and what the remaining balance was. We realized on Friday the XXXX that the money didnt go to the right account. We went straight to our bank to ask to recall the transfer and filed a police report and contacted the FBI.

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 2024-01-18
Company: WELLS FARGO & COMPANY
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I received a phone call while I was at work from Wells Fargo. The caller stated that " this call may be monitored or recorded '' and said she was from Wells Fargo and that two unauthorized transactions were attempted using my card information. She said Wells Fargo stopped the unauthorized transactions from going through. The caller then asked if I had received any text alerts stating this. I replied " No ''. She said she wanted to make sure I was receiving the alerts in case this happens again. She verified my information and then sent a few " test '' texts to my cell phone. She said to ignore the context of the texts, as they were randomly generated. The following day, I checked my bank accounts, checking and savings, and they were completely cleared out. The checking account transfer was for {$6300.00} and was under the name of " XXXX XXXX ''. The savings account transfer was for {$1000.00} with a {$30.00} wire transfer charge, under the name of " XXXX XXXX ''. This occurred on XX/XX/2023. When I called Wells Fargo and explained the situation, I was told that there was nothing they could do because it appears that I knew the people and transferred the money to them because they had my information. When I stated that I absolutely did not know the people and that they called falsely using Wells Fargo 's name, they still denied my reimbursement claim, closed my account, and opened a new one. I called numerous times, and, with my last call, I stated that I was going to hire a lawyer. The Wells Fargo representative then told me that I should hire a lawyer. I called the police to file a report, I then contacted several lawyers but have received XXXX responses. I have also put a fraud alert on my name with all 3 credit bureaus. I have also contacted the XXXXXXXX XXXX Attorney General, but with no response. I have been trying to find help with this situation and no one seems willing.

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 2024-01-20
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2009 Wells Fargo received my {$830.00} mortgage payment. 
Wells Fargo subsequently sent me a {$830.00} refund check # XXXX on XX/XX/2009, drawn on Wells Fargo Bank, to me but stopped the payment on it. 
Fargo Bank kept the money and didn't apply it to my mortgage. My money disappeared.

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 2024-01-30
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I did not receive a credit card bill from Aadvantage aviator Red Mastercard from Barclays for XXXX of XXXXXXXX 
When someone from Barclays called my cell phone from XXXX she identified herself as a customer service representative from AAdvantage and asked me to pay my bill. I put her on speaker phone so I have a witness. She called me on XX/XX/XXXX at XXXXXXXX XXXX. I explained to her that I had not received a bill in the mail for XXXX of XXXX. We spoke at length about my perfect payment record as I pay the entire amount owed every billing cycle in a timely fashion and have never been charged any interest. Barclays representative agreed to send me the bill for XXXX of XXXX. She also agreed to send me a bill for XXXX of XXXX with no interest charges for the missed bill of XXXX of XXXXXXXX She agreed to send me the corrected bills in seven to ten business days. The day after the phone conversation, I received a bill, via the US Postal service, for XX/XX/XXXX XXXX  from Barclays with a previous balance of {$710.00} and interest charges of {$150.00}. To date, XX/XX/XXXX, Barclays has not sent me a bill for XXXX of XXXX so that I can pay it. I have right to know what the {$710.00} is for. Barclays has not performed as agreed. If they sent me a bill in XXXX of XXXX it should be easy for them to duplicate that bill and send it to me as they usually do every month. Also, they have not sent the agreed upon corrected bill for XXXX of XXXXXXXX

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 2023-12-09
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting 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:
I have asked all 3 credit bureaus to remove a non-bankruptcy derogatory report that is older than 7 years from my credit report. Experian claims that only the reporting entity can remove it, and that I need to contact that entity directly, which I know is false. 

However, I have attempted to do so - the entity was XXXX, but since I do not have the old account XXXX  available, I can not get through their voice system to access a human to try to have them remove the 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 2024-01-27
Company: MoneyLion Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Furnishing and Reporting Inaccurate Information ACCOUNT # 1 : MONEYLION INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delinquency First Reported : XX/XX/XXXX- Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) XXXX ) Date of Last Payment REPORTED as of XXXX XXXX XXXX Furnishing and Reporting Inaccurate Information. XXXX is showing that Moneylion reported a " Charge Off '' in XX/XX/XXXXXXXX XXXX  Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furnishing and Reporting Inaccurate Information XXXX ) Reporting to XXXX that the account first opened XXXX XXXX XXXXXX/XX/XXXX and that the date of first delinquency was XX/XX/XXXXXXXX XXXX These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off Amount RESOLUTION : Remove account and negative remarks from my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i recived a letter in the mail that someone has attempted to open up an amex in my madien name. i pulled a credit report XXXX had a few hard inquiries on my report.

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 2024-01-22
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, Unfortunately I had a massive XXXX  XXXX  in late XX/XX/year>. I called US Bank Mortgage and requested a forbearance due to XXXX  issues that caused me to leave the workforce. I also lost my brother and mother in 2023 and had to assist in the funeral expenses. When I initially spoke to US Bank in XXXX they offered a quick 3 month deferment and explicitly informed me that my credit would not be reporting as delinquent due to the hardship. I even spoke to them in subsequent follow ups and was assured that my mortgage payments would not be reported as late. However, now that I am back in the workforce and in better health and want to get caught up on my mortgage payments -- they did exactly the opposite of what was prior informed to me and began reporting my mortgage as 90 days late. They tried to say they did mail me some documents stating that my credit would be impacted but then failed to prove that anything was certifiably sent. I am currently interviewing for a much higher paying position at a new organization ; but since this is a financial position -- I have been told that my credit is not sufficient for them.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, XXXX {$29.00} charges were made to my card due to phishing sites stealing information. I called customer service and explained the situation and asked the bank to freeze my account and card. Customer service said they would send me a new bank card and could unfreeze the account after seven business days. But when I opened the new card I found out that my account was permanently canceled and the {$16000.00} in the account would be sent to me by check. 

Every week after that I called my bank 's customer service or even went to the business office to inquire about the situation. But everyone told me something different each time, even on XX/XX/XXXX a customer service agent promised to send me a check in five business days but I have not received it yet. Today, XX/XX/XXXX, I called again and was told that my account was still under review and there was no way to know how much longer it would take, with a very impatient attitude. 

I'm in a hurry because I haven't been able to pay my tuition because of this. This is my last semester and if I can't pay my tuition by the due date I won't be able to graduate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: DISCOVER BANK
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I owed $ XXXX on my Discover Card. I got an offer from XXXX including balance transfer 0 % for 12 months and I opened the account. XXXX immediately showed that I owed them {$2300.00} and I got a physical mail saying that that was the highest amount they could transfer, but it did not show up on Discover for a week. I complained to XXXX that the debt was showing on both credit cards. They pulled the money back fto Discover and now this {$2300.00} shows as debt on both cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX ; XXXX, 2023 XXXX USD was paid to Paypal. It was debited from my account the same day. I tried for 3 full days to contact a real live person to speak with to explain the situation in full as to what trouble this had caused and thar the final result of Paypals lack of genuiine interest has left me an XXXX XXXX XXXX pensioner without something I depend upon for my health XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The end result being that because Paypal was not interested a shipment was made and because it was not made without any proper legal notice that never came to me the goods were delivered and left on the front door mat. and was never seen by me. I have a very short reply fom a person named XXXX '' and thios is what it says HYi Bud! Youv'e reached XXXX frrom Paypal managing team, Thanks for working withour automated Paypal assistent and providing your inforrmation. I acknowledgr that your time is valuxble and I can since the importance of this matter. Lets seee what I can do to help you. Upon reviewing your accouint I can see that the transaction that happened last XX/XX/2023 was already com, pleted. Rest assured that XXXX XXXX already received the money in his Paypal account. 

( This is a far cry from XX/XX/XXXX when Paypal received my money and never released it. 
Hopefully in the next few weeks I will be filing a legal complaint with http//www.consumerfinance.gov ) note : the above paragraph is my own personal comments that I sent to XXXX. The shipment did come finally but as said before no one had any idea at that point in time IF or WHEN a parcel was even coming. The end result was that it did come but it was no longer there the evening it was delivered!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday XX/XX/XXXX my cell phone along other belongings were stolen in XXXX, XXXX. I was not able to have access to a cell phone to report the situation to bank accounts and credit cards up until Thursday XXXX after my arrival back to XXXX XXXX. 
So, I reported debit cards and credit cards stolen to Chase Bank, but also requested to remove the two step verification linked to the phone number since I would not have access to it until I get a new phone and be able to revise transactions through the Bank 's website portal or at least to provide an alternate verification process. I had to call the bank, I made a mistake while trying to request a log in code access when accessing my debit card PIN number. Called back again, and the bank was closed already. So on top of the frustration of have been stolen everything I have to deal with sensibleness costumer service.

Company response to consumer: Closed with explanation