BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, my husband and I opened a Certificate of Deposit ( CD ) account in the amount of {$5000.00} with Wells-Fargo Bank XXXX  XXXX XXXX XXXX in XXXX XXXX , CA with Assistant Branch Manager XXXX XXXX , NMLSR ID XXXX. 
I visited that same branch and attempted to close out the account and withdraw the funds on XX/XX/XXXX. 
Initially, I was told by the teller that they did not have a record of our CD account. 
I then met with Branch Manager XXXX XXXX, NMLS ID : XXXX. 
He searched the bank records and found a computer record that showed that our account had been closed on XX/XX/XXXX. 
He stated that the bank would have written a Cashiers Check to us in the amount of {$5000.00}. 
As I did not recall ever having cashed out this account, I carefully searched our bank records at home and discovered that we have NO RECORD in our bank statements or check registers from that time period of having deposited funds in the amount of {$5000.00} in late XXXX early XX/XX/XXXX to either our checking or savings accounts. Neither do we have copies of a receipt of a cashiers check or record of closing the account. 

We have copies of the receipt of {$5000.00} for the CD opened on XX/XX/XXXX with an Annual Percentage Yield of 0.21 % - renewal term 24 months. Please see attached. We also received just one Maturity Notice dated XX/XX/XXXX ( see attached ), and the business card of the branch manager that assisted us. 

We have not yet followed up about this research and discovery with Branch Manager XXXX . XXXX yet plan to. I decided to file this complaint first. 

According to several articles I located online, Wells Fargo Bank has a history of losing their customers investments and deposits. For example, according to an article dated XX/XX/XXXX, since XXXX, 568 bank customers had filed formal complaints against Wells Fargo with the Consumer Financial Protection Bureau. Seventy of those complaints came from customers in California. 
This makes me very suspicious that we may in fact be victims of similar bank fraud and I would very much appreciate having this investigated at your earliest possible convenience. 

In the meantime, we will also visit the branch and speak with Branch Manager XXXX . XXXX regarding these concerns in the near future. 

Thank you in advance for your efforts on our behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Franklin Financial  Corporation
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account receivable is account set up by girl I dated an she used my social because she said she didnt have the deposit this was after the fact!!! XXXX XXXX XXXX said it was a mistake if I would dispute it they would fix it an take care of it as son as they got it!!! XXXX XXXX sails I owe them XXXX something dollars am they never bought the loan from approved auto so therefore they have no reason to be on my credit report at all long story short I been working hard to try have some credit to have something an the only loan I have has been in good standing on time every month an it doesnt even show on there for most part. XXXX XXXX hit my credit 9 times in less 2 month on debt XXXX dollars that was a XXXX XXXX XXXXlaim so therefore please please I have done the footwork of call after call over this because this is my life. I expect someone to fix my credit give back my points that belong to me so I can live my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I sent a letter XX/XX/2023 to EXPERIAN about how outraged I am in regards to this account being removed from my EXPERIAN credit profile due to it being fraudulent and recently added back! This is illegal! I notified EXPERIAN of this fraudulent account months ago and to see it back on my Credit Report is outraging! I have attached with this letter my FTC Report .... Yes I have involved the authorities on this issue and am expecting an immediate action due to the severity of this situation. I never owned this account, never paid on this account, never authorized the opening of this account etc. DELETE AND BLOCK THIS ACCOUNT FROM EVER COMING BACK TO MY EXPERIAN PROFILE IMMEDIATELY! The laws and rights being violated are explained in detail in my previous dispute letter written to EXPERIAN via mail. I have attached that letter to this dispute as well as other evidence, things, and letters given to EXPERIAN. I have yet to receive a response from EXPERIAN, my last letter sent to EXPERIAN was XX/XX/2023. CFPB I am asking you help me to get past this crime done to me unjustly. I have also attached with this dispute my identification card for proof of my identification, I placed my social security card in for additional proof, as well as provided my Identification card for proof of my address as I dont have any mail or bills to do so at the moment.

Company response to consumer: In progress
Consumer complaint received 2021-07-10
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was opened in XX/XX/XXXX and I had a {$400.00} credit limit. It was paid off completely of on XX/XX/XXXX ; payments totaled {$570.00}. I closed the account due to the high interest rate they charge on top of overpriced items. XXXX reflects a {$0.00} balance on my credit report, which is accurate, but also states that it was charged off and now a collection agency is reporting a balance as of XX/XX/XXXX in the amount of {$940.00}. If the account was closed with a zero balance in XXXX, how can there be a balance as of XX/XX/XXXX ... .5 years later of {$940.00}? XXXX and Jefferson Capital System both need to remove their fraudulent remarks from my credit. XXXX is owned by XXXX XXXX XXXX according to the XXXX XXXX XXXX website and as of XX/XX/XXXX the business filed Chapter XXXX Bankruptcy, case # XXXX. Out of XXXX Reviews on XXXX, their rating is a XXXX out of XXXX, have received XXXX complaints in the last 3 years ; 512 of which were closed in the last year. Jefferson Capital has received XXXX complaints in the last 3 years and XXXX complaints in the last year. Out of XXXX Customer Reviews, they have a XXXX out of XXXX on XXXXXXXX. This should speak volumes about how they conduct business. I saw a ton of affilitations between XXXX account and Jefferson Captial Systems. 

This company XXXX XXXX XXXX brags about helping people " build a better credit future '' but all they are doing is ruining their credit. They charge ridiculous interest rates and charge you double for the item. For example, they are currently selling a handheld game console called the XXXX XXXX  XXXX XXXX in the color Coral. It is being sold at XXXX for {$310.00}. However, XXXX  has the exact same item, in the exact same color for {$190.00}. XXXX has the exact same item as well and the same color and are selling it for the same price as XXXX  for {$190.00}. This is NOT ok!!! 

They, by their own admission charge XXXX % interest on top of these over priced items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information https : XXXX Please show me the document that i opt out of the disclose Personal/non public personal information to nonaffiliated third party ( Credit Reporting Agencies ) . 

and i also need you clearly and conspicuously discloses to me in writing or in electronic form or other form 's permitted by regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third party.

I want you read this carefully ... You need to notify me clearly and conspicuously discloses to me in writing or in electronic form NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

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 2021-07-10
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have a Bluebird American Express prepaid debit card. An unauthorized party was able to steal my debit card information and withdraw funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/XXXX to XX/XX/XXXX. I discovered these withdrawals on XX/XX/XXXX and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I submitted the declaration of fraud to the link they sent me on XX/XX/XXXX and received an email notifying me that the dispute was declined on XX/XX/XXXX. I called their fraud department after I received the notice and asked about the decision. The fraud department representative said they cant offer any information relating to the investigation over the phone and told me to write to them. The representative offered to open my dispute again, and I accepted the offer. The dispute was reopened on XX/XX/XXXX, and the declaration of fraud was resubmitted to them on XX/XX/XXXX. The dispute was declined again on XX/XX/XXXX. I realized after several attempts that my disputes were getting denied immediately and that representative was pulling me into a cycle of starting a dispute and getting denied without investigating the case. 
I mailed a letter to American Express requesting the reason for the earlier denial on XX/XX/XXXX, and they responded back on XX/XX/XXXX. In their response, they wrote that they made their decision without reviewing any of the documents I sent to them. I had sent them a police report and multiple declarations of fraud explaining the sequence of events. 

American Express has been reluctant to provide information on their decision on my case throughout this whole endeavor. As a customer, I had provided them with all the requested information within the requested time frame, and my disputes were still declined. It was frustrating to learn that American Express made their decision to refuse giving my money back without an investigation. A stranger was able to duplicate my card and steal my money, and American Express refuses to take any responsibilities. I feel helpless as a consumer because I dont know what else I can give to American Express to convince them that money was stolen from me and fraud was committed. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: MO
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:
Equifax has been using third party companies such as XXXX, XXXX, XXXX, XXXX and XXXX to verify information on my credit file. However, I sent several different letters as well as a procedural request letter asking them who they verified the bankruptcy with. I called on XX/XX/2021 and asked what the method of verification on the alleged bankruptcy you are reporting. The agent on the phone stated, that the bankruptcy was verified by XXXX XXXX. My response was, Appalled by that information. I went directly to XXXX XXXX and stated they can not verify this information themselves, therefore they have taken the liberty to DELETE this bankruptcy from their records. This would mean this bankruptcy is by law considered UNVERIFIED and needs to be deleted from my credit report immediately! 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed UNITED STATES BANKRUPTCY COURT LETTER for your inspection. Please DELETE these items from my credit report as it is NOT verified! 

THE XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Equifax removed the bankruptcy from my credit file, but didn't remove the XXXX XXXX  account that is still on my credit file. The XXXX XXXX should've been removed from my credit file as well, because it was never properly VERIFIED by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
At approximately XXXX CST, I, XXXX XXXX XXXX XXXX XXXX, received a message from XXXX stating that my account was locked and that I was unusual. When, I, XXXX XXXX XXXX, XXXX, called XXXX, XXXX decided to jeer at me, XXXX XXXX XXXX, XXXX, making XXXX noises on the phone at me, XXXX XXXX XXXX, XXXX, verbally and physically XXXX XXXX. 

This initial incident happened on XXXX. Today XXXX I called Chase Private Client Checking to file a formal complaint. The XXXX XXXX and pulled the fire alarm. The XXXX then hung up the phone on me, XXXX XXXX XXXX, XXXX! 

I feel XXXX as I have the right to keep my account along with the right to be free from a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX : XXXX, XXXX XXXXXXXX TX : XXXX, XXXX XXXX ( XXXX ) : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX IN : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-06-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a former Wells Fargo customer. I closed my accounts ( all of them ) with them several years ago. I still receive bill pay reminder notices and updates to online banking account terms and conditions. I have called and they assure me it is taken care of. Then I receive another notice. 
I would like the emails to stop. If Wells thinks I am still a customer, somewhere in their systems my profile is still active. This presents an opportunity for fraud!

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 2023-08-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Frontier Airlines World Mastercard account ending in XXXX Frontier Airlines World Mastercard account ending in XXXX Frontier Airlines World Mastercard account ending in XXXX Barclay 's has erred in its decision about fraudulent charges that were made in XX/XX/2022 in XXXX XXXX XXXX. Neither my mom or I made the XXXX purchases in the XX/XX/2022 that were previously noted. We have already paid for all the charges we did make in XXXX. 

Based on Barclay 's response, it seems that I was mistaken that my Mom had a card. This doesn't make sense because she is an authorized user on all of my other credit cards. The fact is that she must have used my card when she was in XXXX and lost it there. I have personally never used my Barclay 's card, but have allowed my mom to use it. I have not been in XXXX for the past 5 years and have two letters that prove I was not there in XX/XX/2022 One letter is from my employer and the other from my XXXX XXXX. Your fraud fax number does not work. I called the fraud department and they told me to send them via regular mail. They are now attached. 

IN ADDITION, Barclay said that my payments, late fees, and interest would be on hold while the fraud is investigated. Unfortunately, they continue to charge interest and late fees. I had a close to perfect credit score before these fraudulent charges were made in XX/XX/2022. This is very stressful and a travesty.

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 2023-08-12
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased my car on XX/XX/XXXX, US Auto Sales close without giving any notice, and sold my information to Westlake as a debt collector without a warranty on XX/XX/XXXX. I still make payment as if I still have a warranty with it but it's no warranty. They are rude and hassle to the customers. When I bought the car amount was XXXX on the car of the car but ended up with XXXX dollars. I have my original paperwork. They charge me XXXX on the vehicle with {$500.00} for infrastructure maintenance, XXXX  insurance {$790.00}, a Service contract of {$2300.00}, a Title fee of {$15.00}, registration fee of {$40.00} leaving with a total of A {$23000.00}. I put down XXXX and then deferred a down payment of {$860.00} with a total of {$2200.00} down payment. The annual percentage rate is 19.19 %, the finance charge is XXXX, the amount financed is XXXX, the total payment after all is paid is {$37000.00}, and the total sale is {$39000.00}. I pay {$250.00} a month for a XXXX XXXX XXXX with a blue book price of {$9400.00}. I didn't sign paperwork for this debt collector cause US Auto Sales closed and wasn't notice anything. They just sold my information and now the price I own is {$22000.00} for the car. The XXXX or XXXX XXXX  retail is 168 %. I have built XXXX, panic attacks, and XXXX because I need my car fixed with no a/c or heat in the car. So, we have to be in a car I pay about {$500.00} a month with my a/c, and it's hot in the car. I paid a lot of money down, I'm a single parent of XXXX  kids and don't have money to throw away. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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 or abound XX/XX/XXXX, I received a letter from capital one bank requesting validation/verification of my information as the owner of the account.At the time I wasXX/XX/XXXX and XX/XX/XXXX to my child which delayed my response to the banks request. The bank then proceeded to close my account with a balance {$27.00}, XXXX dollars. 
In XX/XX/XXXX I saw on the mobile application that my funds were withdraw via a customer withdrawaland my account had a XXXX balance. This prompted me contacting the bank who since I did not make a customer withdrawal.The bank representative then stated that the account was closed NOT that the funds were withdrawn.

The bank representative then stated a check was mailed to me.However, at the time I did not receive a check and stated that it was lost.In or around XX/XX/XXXX I later found the check and took it to the bank.However, the bank refused to deposit the check since it was reported lost. 
In late XXXX, XXXX I was advised by the bank representative that I needed to provide my tax id number, valid identification, and a signed affidavit of lost check before a new check can be issued.I submitted this information on XXXX, XXXX, then again on XXXX, XXXX and again on XX/XX/XXXX at the back request and prerequisite for mailing the new check.As of today XX/XX/XXXX I still did not receive my check.I requested that the bank provide a tracking number however the bank refused.

Company response to consumer: Closed with explanation