BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX wednesday XXXX XXXX  i got a text message from cell # XXXX and it read *********************************** FreeMsg : Verify Wells Fargo activity. 
Card XXXX {$2200.00} @ XXXX XXXX {$82.00} @ XXXX Reply Y if recognized, or call XXXX. 
STOP to stop msgs ****************************************** XXXX wednesday XXXXXXXX XXXX. i called wells fargo using my cellphone. XXXXXXXX XXXX XXXX XXXX of << wells fargo everyday banking XXXX answered my call. i informed her that i got a text message at XXXXXXXX XXXX on my cell phone from an unrecognized cell # XXXX about transactions needing authorization. she confirmed that cell # XXXX is indeed wells fargo. she told me that the transaction description mentioned << card inserted >> that meant a debit card was used. i told her that i have my debit card with me here at home. she asked me if i did transaction at XXXX for {$1.00}, i replied 'no '. she closed my debit card right away. she told me that a new debit card will be sent to me via mail and will reach me in a week or so. she told me not to worry because those transactions in the text message did not push through since i did not reply to the text message. she advised that i update merchants of new debit card and its expiration date. she advised me to change online wells fargo password. she advised that i change my email passwords. 
****************************************** XXXX monday XXXX XXXX. i spoke to XXXX of wells fargo. i told her that i am disputing the transaction {$2200.00} by merchant XXXX XXXXXXXX posted on my checking account on XXXX she gave me a claim reference # XXXX wait 10 business days as a required time frame. XXXX indicated that my debit card was closed on XXXX due to me reporting of unauthorized transactions but she is not sure why the transaction {$2200.00} still got charged on my checking account. i asked her why did i still get charged the unauthorized transaction worth {$2200.00} eventhough i informed them within minutes of finding out via their text message that someone was trying to charge my debit card without my authorization? she does not know the answer.

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 2023-03-24
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried closing my account with citi bank 2 weeks ago. They said it was closed but they lied and did not close it. I can not get my money out of that bank. They have absurd reasoning and rules that the customer has to follow in order to close their account. I called them this morning to make sure the account was closed and discovered the agent I last spoke with did NOT close it! 
I need that account closed immediately and a check sent to me. The agent today said he would close it but I don't believe him after what I have been through trying to close the account. Almost a dozen phone calls later, I still don't have my money!

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 2022-10-04
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on the Income Driven Repayment program for all my student loans. I have one currently with MOHELA and my other six were transferred to MOHELA from XXXX. With the transfer, I have two account numbers. My original loan with MOHELA, is all messed up. They have indicated I didnt resubmit my income verification for the Income Driven Repayment plan. According to Studentaid.gov, my certification date isnt until XX/XX/XXXX. 

Then they rejected my application and stated I didnt qualify. My student loan load is XXXX XXXX of my annual income. My payment was recalculated and increased. The reason was because I didnt recertify my plan. I have sent two emails and have sat on hold on numerous calls. Tonight has been over 3 hours. 

I have been paying on this loan since XX/XX/XXXX. It is a consolidation loan of student loans. MOHELA has it labeled as a commercial loan. I have paid interest and interest has continued to accrue during the forbearance for the pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: WELLS FARGO & COMPANY
State: AZ
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:
In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car. I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payements, I demand deletion at once with these late payements reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from excersing my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX arizona [ 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 2023-09-12
Company: M&T BANK CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was in a hardship and went into forbearance on my mortgage that was held by XXXX Mortgage Company in XXXX of XXXX. Before my forbearance began they did an annual escrow analysis. Because they didnt have the new declaration from my insurance company for the upcoming year they estimated the amount. The estimate was inflated by {$9000.00} from the prior year. Obvious mistake and it took my payment from {$1300.00} a month to {$2700.00}. This wasnt made known to me until I was almost 4 months into my forbearance. I contacted XXXX about this issue numerous times without ever receiving any directions to rectify the problem. Finally they stated that they recognized the problem but they were unable to run a new escrow analysis until AFTER I was finished with my forbearance period. In the meantime my balance of what I owe on my mortgage goes up by {$2700.00} a month instead of {$1300.00}. In XXXX of XXXX they transferred my mortgage over to M & T Bank. Ive spent an endless amount of hours on the phone with representatives from every department within the company. Numerous employees have agreed that there was an obvious clerical error on my escrow analysis from XXXX but there still is nothing that nobody can do to resolve the problem. My last conversation with M & T Bank management team member I had, he stated that there was nothing I could do. I would be responsible to pay the inflated amount when my forbearance period was up. I have been postponing submitting my application to the HAF, homeowner assistance fund, because the total I owe is over twice the amount that I actually owe. My forbearance period will be ending at the end of XX/XX/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 2023-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For the last 2 years I have been battling with Equifax to allow me access to my online credit report. They asked me to send in documents to verify my identity. I mailed the documents twice. I sent a copy of my driver 's license, my social security card, billing documents, and a letter. I also faxed it to Equifax. After all that I still do not have access to view my credit from their website and I'm still not able to get my annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Lendmark Financial Services
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Did not receive car title

Complaint:
I purchased a car from XXXX XXXX XXXX on XX/XX/XXXX and the car broke down on XX/XX/XXXX. I was given a loaner car which resulted in my son and I being very sick, we stayed in that car until the end of XXXX in which they finally had fixed my car and gave it back to me. I was able to drive my car about XXXX weeks before it started to break down again, the car has been at XXXX XXXX XXXX for about XXXX weeks now unfixed. I rented a car from XXXX XXXX on XX/XX/XXXX in which I just found out that XXXX XXXX XXXX XXXX XXXX XXXX ) owns the rental place as well in XXXX  NC and I was stopped last night when I got off work from XXXX  I was on XXXX XXXX when the police told me that the tags on the XXXX XXXX XXXX were expired and there was a warrant for the owner XXXX XXXX arrest. I returned the car this morning and they tried to get me to pay for the car as well as pay for another car so that I could rent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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:
My debit card was used around XXXX XXXX XXXX fraudulently. There were purchases made totaling {$870.00}. I reported to the bank I did not make these charges. The gave me credit then " investigated '' the claim. After approximately 30 days they took {$870.00} from my account which left me overdraft # XXXX. After contacting them they informed me they believed that either myself or someone I know made the charges because whoever used my card knew my pin. That's odd because no one knows my PIN and the many food establishments it was used at does not ask for a pin especially if ordering online. So how did they determine this information. They have ripped me off and now I have taken my business elsewhere but I will have this overdrawn account over my head.

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 2023-07-01
Company: Continental Finance Company, LLC
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Previously complained that Celtic Bank/Continental Finance had charged off the account and sold it to a collection company. They refused to send me a 1099. The collection company has gone out of business. They were supposed to delete the account from the XXXX credit bureaus, but they did not.

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 2023-07-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
account information is not accurate with XXXX XXXX XXXX # XXXX this account is not 30 days late and hs never been they should have received communication from XXXX XXXX regarding this matter account has on tie payment the 30 day ate is not correct XXXX XXXX will verify this information is not correct I have a deferal in place payments are currant

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 2023-05-24
Company: Experian Information Solutions Inc.
State: MD
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$0.00}

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 2020-10-01
Company: LD Holdings Group, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 I filed a complaint against LoanDepot ( Complaint # XXXX ) regarding LoanDepot reporting a {$10000.00} increasing to the principle balance of my mortgage to all 3 Credit Bureau. On XX/XX/2020 Loan Depot responded to the complaint and misrepresented the facts ( i.e. Lied ) with the following statement : " LoanDepot reported to the credit bureaus the aggregate amount owed on the loan each month but did not report an increase in outstanding principal balance, delinquent payments, nor any negative account information. '' I have attached reports from all 3 Credit Bureaus which reflects the afore mentioned principle balance increase ( See attached ) this increase caused my credit score to drop significantly resulting in my attempts to refinance to be denied but multiple banks. 

This complaint is about the willful misrepresentation of the facts by LoanDepot to your agency which resulted in my original complaint file ( Complaint # XXXX ) being " Closed '' on or about XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have changed my card number on my Apple Card as I was trying to get in financial shape and informed the customer care not to have any recurring payments carry forward, they have agreed to it at the time but and it was declining few of the transactions in the beginning which I saw on the statement after that, so since I knew it was working I didnt thought of the balance as I know I will only have to pay if I make a purchase, and I was in control of my finances, but they allowed two transactions carry forward from the old card from last year I guess that was even before a year I did business with them, since I was confident about not having to check my statements often because of the new card I didnt notice, until today I got a mail I dont normally look at the advertising email but luckily I found that they have charged my card and is being charged today for a second time when I looked the credit card statement its on it, when I spoke to the customer care they mentioned, they have no power to block merchants, so where is my safety? Anyone can come and take the money and I have to be responsible for it, since I am a realtor and know few lenders and mortgage brokers and also trying to be a Mortgage broker I knew about CFPB I dont know how many people are going through this, what I have learned in NMLS is that I have the power as a consumer to ask the bank to not to continue a payment on my credit card unless I authorize but this bank seems like they dont care about the rules or correct me if I am wrong as well please, but pls let me know where was I wrong, what should I be doing so that it wont happen again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was sent an active credit card ( XXXX XXXX XXXX XXXX ) from Bank of America in the mail that I did not apply for or approve. 

I called bank of America to report the fraud and ask why the card was opened. They did close the account but gave no explanation of why it was opened in 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 non-monetary relief
Consumer complaint received 2023-07-02
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sometime in XXXX to early XXXX of 2023 my Credit Card with Old Navy that is held with Barclay Bank had fraud charges in the amount of XXXX or close to that. I called customer service and explained that my card was lost or stolen. The person who took the report initially did not put all of the fraud charges into the report. A new card was generated and a balance was transferred over to the new account. I have spoken to representatives from Barclay Bank and over and over was reassured that my account would be looked at and there would be a XXXX balance. 

I am concerned with this bank and feel that they are in violation of the Fair Credit Act. I am being forced to make payments on fraud charges and I feel intimidated by their predatory ways. The customer service representatives are unskilled and incredibly lazy. I was sent a letter by an employee representing Barclay that claimed the fraud charges would be taken care of. It is ridiculous to assume that I would not be responsible for some fraud charges but not the rest. If the card was not in my possession how could I possibly use the card. The bank should be investigated for unethical tactics and I feel that this might be because I am a female.

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 2021-05-18
Company: Unifin Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Received letter in the mail from a debt collection agency, UNIFIN, based in XXXX, IL. I called the number twice and spoke with an agent but did not get her name. When called back after contacting what I thought was the original debt who could not find me in their system I called the debt collector back. The agent XXXX who was a woman verified me by my name and last four of SS #. I then proceeded to tell her that this was not my debt and asked for information on who the original debt belonged to. On the letter the original debt is XXXX, when speaking to the agent she stated the acronym stands for XXXX XXXX XXXX Bank based in XXXX IL. She provided me with a number so that I could inquire about myself. The number is given to me by agent XXXX. I called the number once on my own and called again after speaking with the agent. I spoke to the same individual who confirmed they were not XXXX XXXX XXXX Bank XXXX, but XXXX XXXX XXXX Bank based in XXXX PA. This is clearly fraudulent and wanted to alert you to this scam!! When asking the agent where was the call center was located that I was calling she refused to provide me with that information.

Company response to consumer: Closed with explanation