BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX  I went to Bank of America in person to deposit a check. I was told by the clerk that partial of my deposit would be available to use on XX/XX/. The rest of my deposit would be available XX/XX/. Now I get a email saying that all of it will not be available until the XXXX, then I get another email saying that none of my deposit will be available until XX/XX/, why am I giving dates that say one thing and then told another? Tell me a whole different thing. I don't think that's right.

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 2022-12-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My problem with Wells Fargo started I believe around 2019, when I first went to grad school I was getting random fees and found out it was because I had a low amount of money in either my checkings/savings ( I don't remember which one ). Since I was a XXXX and didn't have a solid income, I was getting random fees and was forced to close my savings account to avoid further fees and just have one checking account. These fees came out of the blue and it was hard to find a customer service rep to help me while I was overseas at grad school.

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 2023-01-17
Company: EQUIFAX, INC.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a payday loan from XXXX, the loan isn't even due until tomorrow and I've already gotten 7 " courtesy '' calls in the last 2 days about when it's due. That's enough, seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: GLOBAL PAYMENTS DIRECT INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A betting site, known as XXXX, was trying to charge me a amount of XXXX dollars. I used the site once and not for that amount. Over the last month, They've been trying to charge my account for different amounts as well. My bank was notified of this. I've tried reaching out to the site without a response. I also received phone calls about this but they said it was for another site, the site known as XXXX. I believe this a scam or fraud. Yesterday, my bank was charged XXXX dollars from a unknown merchant, I talked with my bank and they removed the charge but I had to get a new card to protect my account. Today, XXXX of XXXX, I received a letter from a debt collection, known as XXXX payments, saying I owe them the money they have been trying to charge me as debt plus interest. It says to go to a website known as XXXX. This site looks sketchy and untrust worthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On Friday XX/XX/2022, XXXX XXXX XXXX knowingly, wilfully, with the intent to conceal disputes filed against them for various disputes, many in violation of federal and state law, again, violated my rights to due process when they perjured themselves in their submission OF eighteen ( 18 ) unique and separate FALSIFIED RESPONSES TO 18 separate and unique complaints filed against them.

In addition, their blatant disregard to federal law and to this complaint and several others demands the attention of the Eastern District US Attorney generals office to investigate these charges after signing each complaint that it was true and accurate data they were submitting to the CFPB, a U.S. government website.

This complaint will show they filed 18 submissions, and stated that all 18 complaints were duplicates to one specific complaint which you will see that to be absolutely false.

This is the list of complaint numbers they were deceptive with, the first number is the complaint at hand and the number below it is the referenced complaint that supposedly was a duplicate of the these 18 complaints.

The complaints are not even remotely the same, not the same content, not the same subject matter.

Please forward this to the US Attorney Generals Office for these serial violations and contempt of our state and federal laws. 

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 2021-07-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I filed a fraud claim on XX/XX/XXXX. On XX/XX/XXXX, I had forgotten and left my phone at a restaurant. Once I realized the phone was missing, I returned to the restaurant. Spoke with the manager, who advised no cell phone had been turned in that day. Therefor, my phone was stolen at the restaurant. I called the police, who said they would file a report, but without any suspect information, it could not be further investigated. Eventually, I was able to use my iPad at home and use the Find my iPhone feature to locate my phones location. So I showed up at the home where my phone was located and was able to get my phone back. The problem was, I had no passcodes on my phone and no FaceID enabled for personal reasons. This gave the thief access to all my stored passwords and the ability to add their biometric data like FaceID, which they used to get into my bank account and send a {$500.00} unauthorized XXXX transaction. When I discovered the unauthorized transaction, I filed the claim. I was told my claim is not covered under the Zero Liability Policy as Wells Fargo concluded this transaction was authorized. That is NOT the case. On XXXX, I sent a fax with an explanation of what happened in further detail along with my police report from XX/XX/XXXX. Wells Fargo sent a letter back to me stating they are continuing to deny my claim. I called their claims center as I wanted reasoning to why my claim was still denied. The Wells Fargo representative, XXXX, advised there was nothing that could be done and hung up on me when I requested a manager. I called back and spoke with a manager, XXXX, who stated the claim is still denied due to biometric data being used to log into my Wells Fargo app. This was explained in my original claim and in my fax : the thief added their biometric data into my phone. The manager then proceeded to victim blame me and say I was at fault for not having passcodes on my phone and that there was nothing he could do to get my money back. I have submitted a full explanation of the incident that explains every reason they gave me to deny my claim, as well as a police report from the incident. This is more than enough documentation to approve my claim and yet Wells Fargo refuses.

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 2020-07-14
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a checking account with J.P.Morgan Chase. Ive made money transfers ( payments ) through their app to what I thought was my student loan service providers and for my car payment which is transferred to XXXX XXXX XXXX XXXX XXXX XXXX. 

Ive also made a payment to XXXX XXXXXXXX XXXX  using a credit card connected to my Chase account ; however, the university has no record of it per my account statements. 

I have paid thousands of dollars towards student loans and credit cards, yet credit reporting companies and the companies Im paying are not updating records in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX There is nothing erroneous about this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with Regions Mortgage for approximately 30 years with the mortgage being refinanced. I have always paid the taxes and insurance for this property. On XX/XX/XXXX, Regions Mortgage sent {$2700.00} to XXXX XXXX ( Indiana ) to pay delinquent taxes. The first letter I received from them indicated that the property taxes were for XXXX. When I contacted them and sent them information to show that the property taxes were paid in full on the property on XX/XX/XXXX ( with no back taxes owed ), they changed their story and sent another letter indicating that the payment was for XX/XX/XXXX. Those taxes were paid on XX/XX/XXXX so this amount was credited to the XX/XX/XXXX taxes. Regions Mortgage is treating this as a loan and demanding payment. This has caused my credit score to go down and I am not getting resolution even though I began the process to get resolution on XX/XX/XXXX - almost XXXX month after everything had already been paid in full. Regions Mortgage is telling me that they need to research all of this and can not tell me when this will be straightened out.

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 2023-01-27
Company: Presto Loan Center, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/2022 my vehicle was stolen from my home in XXXX Arizona. I have cameras so I noticed it was a tow truck and when I contacted the tow truck company, they said my vehicle was repossessed from a company called XXXX XXXX XXXX XXXX, XXXX based in XXXX, Arizona. I told my father about the incident, and he told me that he took out a title loan on the vehicle because his name was ALSO on the title. My father never told me about this loan. I contacted the manager at XXXX XXXX loan to demand my car back because I never authorized my father to take out the title loan. The manager said there was nothing they could do because the contract says " only 1 person on the title has to sign off on the loan '' so they would not provide me with a copy of the contract and will not return the car to me. At the time my father took out the loan, I was only XXXX XXXX XXXX. I am asking for assistance in having my car returned to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-09-17
Company: WELLS FARGO & COMPANY
State: IN
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:
A withdrawal of {$540.00} was made from the checking account on XX/XX/2022. No one seemed to know who/what was connected with the withdrawal. 

After numerous phone calls and no resolution, I received a letter dated XX/XX/2022 saying the claim was forwarded to XXXX XXXX. I have never received any information since then.

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 2021-11-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 : I was informed by the credit bureaus that MBA placed a medical debt on my record. 
/////////////////////////////////////////////////////////////////////////// XX/XX/2021 : I mailed certified debt validation / verification letters to both MBA offices, one in XXXX TX and one in XXXX TX XXXX XX/XX/2021 : the letters were received by MBA XXXX XX/XX/2021 : The item was rightfully removed from my credit report. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a response from MBA stating that they didnt have sufficient time to investigate the debt and would reach back when they finished the results. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021- XX/XX/2021 : sometime between the aforementioned dates, this item was REINSERTED into my file. 

///////////////////////////////////////////////////////////////////////// XX/XX/2021 : I received a statement from MBA with a poor excuse for a document that they are trying to pass off as verifiable. There are no signatures, no official paperwork, no hospital paperwork, the page numbering is off, and there are even typos! It is a simple print off of a document that was clearly typed up by someone in their office. Frankly, Im quite offended that they thought I would even accept this. Not to mention, even if this were my information ( which it is not ) this document is clearly in violation of HIPAA. This document goes into very specific medical details about this patient. Lastly, this balance says {$0.00}. MBA, do better! 

Resolution : Permanent deletion of this item. Im filing a CFPB complaint against XXXX for violation of FCRA Section 611 for no notification of re-insertion. Im filing a HIPAA violation against MBA and XXXX XXXX for exposing their patients medical information to a stranger. These are serious violations and all 3 businesses need to be held accountable. Please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: WELLS FARGO & COMPANY
State: CA
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: Problem with personal statement of dispute

Complaint:
A XXXX past-due notice was added by Wells Fargo to the record of my XXXXXXXX XXXX XXXXXXXX account on my credit reports in XX/XX/2023. 

I was legitimately late but on XX/XX/2023, I went to XXXX for almost 6 months. Before leaving, I made a {$10.00} charge on my Choice card to ensure the account stayed active. A few months prior, the issuing bank for this card had changed from XXXX to Wells Fargo. I have autopay set up for all my accounts but I neglected to activate autopay on XX/XX/XXXX for this account, the earliest I could do this after the issuing bank switched to Wells Fargo. In the flurry of getting ready for this long trip, I simply forgot. 

All the postal mail notices that were sent to me went unread since I wasnt home. It was only after I returned home on XX/XX/2023 that I discovered Wells Fargo had waived the {$10.00} charge, closed the account, and lodged an adverse notice with the credit agencies. 

I have been a Wells Fargo customer for well over a decade, have over {$300000.00} invested with them ( {$320000.00} as of today 's close ), and am a XXXX account holder. Wells Fargo should have been very well aware that I was able to pay the {$10.00} account balance. Furthermore, my Wells Fargo XXXX XXXX, XXXX XXXX ( XXXX ID XXXX ), knew I was out of town all summer. Prior to this incident, I had never had a late notice attached to my credit reports. 

I contend that this is an unreasonable reporting pretext. I requested that Wells Fargo excuse this, which was so obviously an oversight, and remove the XXXX late notice from my credit reports. Wells Fargo has refused to remove the late notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: RESIDENTIAL HOME FUNDING CORP.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Dear Banking & Insurance Rep, Im writing in regards of loan from Residential Home funding, Corp, RHF Number XXXX. 
I filed a previous report back in XX/XX/2018, which was answered by the President Mr. XXXX XXXX. I have attempted to contact him over the most recent issue ; which is extending to the previous issue already cited inappropriate contact with the Contractor without consultation with myself ( Lendee ). Upon reaching out to him by phone, he answered and said hed call me back in an hour. After several hours, I followed it up with a phone email, where he asked that I give him a chance to discuss it. Thus, upon attempting to do so, my calls were automatically directed to voicemail, which mailbox is full and can not accept message. Yes I had to change my number unexpectedly, but email has ALWAYS been more feasible ( see email upon request ) This is resulting in filing a complaint. I have put him and his associates numerous times for this misconduct and unethical behavior, yet they repeatedly attempt to deviate and NOT inform me of issues or concerns. Now I am being ignored just as before. 
At this point, I dont believe there is relief adequately and thereby effecting them from such repeatedly abuse of the contract or law and/or policies. 
This needs to STOP. They must deal with me directly, Ive ALWAYS been responsive quickly and deal with concerns as they arise through my email, therefore, they did not attempt to contact me until after I raised the issue once again after finding out they talked with the Contactor unwilling to me. 
I have closed on the house in XX/XX/2018, however, still need to seek the finalized of the 203K program final draw. I dont need anymore interruptions or issues arising due to their neglect and misuse of their power over my loan and/or processing of such finalization. 
When is the Banking and & Insurance or the Consumer Financial Bureau going to actual fine or enforce them to STOP doing this misconduct? 
Please get back with me immediately. See below information. 
XXXX XXXX | Vice President of UnderwritingResidential Home Funding Corp. 
XXXX XXXX XXXX, XXXX XXXX |XXXX , NJ XXXX Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation