BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have had numerous problems with TransUnion and their failure to fix items on my credit report when I have requested. Today I got an alert from my credit monitoring showing that an account appeared on my credit report, not unusual because I had opened an account. The unusual part was that this account had reported on all  XXXX  credit bureaus, but TransUnion failed to report it correctly, thus my credit score with TransUnion plummeted over a  XXXX  points. TransUnion is the only company that is reporting this account incorrectly. They are reporting it as credit card debt and not as an installment debt, thus negatively impacting my score. Additionally, transunion has been the only company that has failed to respond to my fraud dispute, they have failed to remove inquiries that should not be on my credit report, and remain the most difficult credit bureau to deal with. Their inaccurate reporting has now prevented me from applying for a purchase of my home until they fix this problem. All I want them to do is to report my business loan accurately, so I am not negatively affected for no apparent reason.

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 2023-08-11
Company: WELLS FARGO & COMPANY
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I met a woman on XXXX. We began to talk for a while. She then started telling me she was making money in XXXX. It took her a while but then I made a small investment. I made money. I then made a larger investment. Made more money. I then made a very large investment. The total investment is XXXX. Her back story was that she is from XXXX. Her sister married a man in a town south of where I live. Her sister talked to her moving here. She said her uncle was a retired XXXX XXXX. And was in XXXX. He had a team that was figuring out the math to invest in the market. At the end of XXXX, she and her sister went to XXXX XXXX  where her uncle lives. This was supposed to be for his birthday and retirement party. She was supposed to be here at the beginning of XXXX. We had plans to live together. She wanted to stay till the end of XXXX and learn more from this investment team. We continue to trade during this time making a supposed lot of money. At the end of XXXX she said her mother was in the hospital. The mother wasn't going to make Live. She and her sister went home to XXXX. At this time is when the trading ended. She said let 's take the money out of the market and pay off the lone I had. And pay back my IRA. I did the withdrawal. The next morning, she message me and asked me to check to see if my Withdrawal went through. That hurts had been Denied. I looked in minded been denied. I asked the customer service for the market why it had been denied. They said the taxes need to be paid up front. This made me suspicious. I started asking questions an accountant at an online trading company. They both said this was wrong. I should be able to pay my taxes out of my account. I have not been able to recover any of 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a car from US AUTO SALES had to replace head gasket twice then replaced motor. I had a warranty but they didn't pay. Then they added insurance to my payoff {$100.00} a month when I had my own coverage sent in proof and they didn't give me credit. When they went out of business. The new company added {$1800.00} to my payoff. Making me owe more than my payoff. Everytime I explain to westlake financial they never respond. They just want my payment. Which is {$1800.00} more. I sent them letter that US AUTO sent me stating a credit. They still say I owe that much more. My car should be paid off in XX/XX/2024. But they will never call me back to discuss this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank checking and savings account ( " Citibank Account Package '' ) online XX/XX/XXXX, XX/XX/2018 via their promotional link. The promotion stated that if {$15000.00} was kept in the account package for 60 days, Citibank would give me a {$400.00} bonus. They have up to 90 days to pay the bonus. I funded the account XX/XX/2018 with {$15000.00} split between checking/savings. On XX/XX/XXXX my savings account was charged a {$25.00} service fee. Their Account Package states that a balance of {$10000.00} must be maintained to avoid a fee. I contacted them on XX/XX/XXXX to inquire about the fee since I had {$15000.00} in the accounts. They said the accounts were't linked and that was the reason for the fee. I didn't understand as I have a screenshot from opening the accounts, clearly stating that it is an account package with my new checking and savings account numbers. They refunded the fee. I asked if this would affect my {$400.00} bonus and they said no, as the dip below {$15000.00} was due to their error. 

On XX/XX/2018 I received an email stating that I did not qualify for the {$400.00} bonus because " The required deposit balances were not maintained during the offer period ''. I immediately contacted them and they opened a bonus dispute inquiry on XXXX. I heard nothing and then contacted them on XX/XX/XXXX, where they said the problem was top priority. On XX/XX/XXXX I received a secure message that the bonus was denied. I opened up a new bonus inquiry on XX/XX/XXXX. I have heard nothing. 

The interesting thing is : my wife opened up the same Citibank Account Package at the same time using the same {$400.00} promotional URL. Her account was also incorrectly charged a {$25.00} fee on XX/XX/XXXX, causing it to dip below {$15000.00}. She opened a bonus inquiry on XXXX as well, and she received the {$400.00} bonus on XX/XX/XXXX. There is nothing different between these two situations. Why I am not getting my bonus because of Citibank 's error?

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 2022-12-27
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft several years ago. It became so bad I elected to sign up for XXXX XXXX to hopefully prevent this from occurring and also added credit freezes on my credit reports. It still occurs approximately every 6 months and always a cell phone company or cable company. The latest incident occurred when I received a notice from XXXX that there was collection notice on my credit report. This was from CREDENCE RESOURCE MANAGEMENT. I have never heard anything from this company ; no letters, no phone calls ; nor any email notices- they simply filed a collection notice against my credit. This same tactic has happened in the past more than once. This happened on XXXX day as the collection notice appeared on XXXX XXXX. I have filed disputes on all three agencies as this is clearly NOT my account and due to this collection notice, my credit score dropped approx. 60 points. This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I requested this company to verify the debt they say I owe. The company responded but didn't provide proper verification. I sent another notice in XX/XX/2023 stating that they failed to properly verify the debt and gave them another opportunity to do so. They sent another letter stating they already did but they didn't.

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 2023-03-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was considering a personal loan. I started talking to a company, XXXX, but ultimately decided I would not move forward with them. When I advised them I was told that they had already sent money to my checking account ( these funds were returned unpaid as I later learned from my bank ). Over the next few days they kept depositing money in my checking account and asking me to send it back to them by either XXXX or at the end, but purchasing XXXX gift cards and me providing them with the numbers on the cards. Then then started to move money around in my other linked accounts at Citibank. I now know that all their deposits to my account were ultimately rejected as fraudent deposits, although the bank did not notice me in a timely fashion that the deposits were not going to be processed. Citibank treated these deposits as immediately available, so it lulled me into confidence that I could return them as I did not want the money and did not want to do business with this entity. In the usual course of business, Citibank would place a hold on the funds availability to confirm that the funds were good before allowing me to draw on the deposit. Had they done so, I would not have immediately returned the funds as I did in good faith relying on Citibank to have vetted the deposit so as to protect me and themselves against check deposits that were not good funds. It should be noted that these deposits were made by mobile deposit into my account, and I did not initiate the deposits, nor did I endorse the checks. A view of these checks shows that the signature on the back is not mine, and as noted, the mobile deposits were not made by my cellphone. This situation involving multiple deposits to my accounts ( all of which were not 'good funds ' has compromised me to the amount of {$15000.00}. The fraudulent checks were drawn on 'funds ' from the XXXX of New Mexico 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 2023-10-04
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had problems with setting up repayment while still in school. Had to submit enrollment form twice to stop the repayment starts. Below shows last year when the issue first started XX/XX/XXXX : Has my school enrollment been updated because I have a payment due on XXXX but I am still enrolled in school till the end of XX/XX/XXXX? XXXX XXXX XXXX Account # XXXX Then XX/XX/XXXX they still had me owning and past due after the school sent an email they faxed in my enrollment form. <P/>In XX/XX/XXXX I was told loan repayment would start XX/XX/XXXX. On XX/XX/XXXX received and email payment due XX/XX/XXXX. ( Three days later ). <P/>I called on XX/XX/XXXXabout XX/XX/XXXX payment and asked was there going to be a draft from my account and was told no. That my XX/XX/XXXX payment covered the XX/XX/XXXX payment and account showed I was ahead. I was on vacation and stress this to customer services and was told, " Nothing will come out on XX/XX/XXXX. '' That Monday my account was drafted {$630.00}. I had to get a payday loan to cover my car note and auto insurance that were set on autopay from that account. I called and asked to speak with a supervisor to be told the agent I spoke to on XX/XX/XXXX did n't know I did the autopay online and not through them. I said the online autopay is through you. I asked to cut off my autopay ( which now I lose interest rate reduction ) and refund my {$630.00}. I have not confirmation of it happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Home Loan Center, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This group of scammers ( claiming to be from LendingTree ) reached out in the afternoon claiming that I was already approved and guaranteed for a {$2000.00} loan, but that due to my poor credit score I needed to send them back the money they would send me first. They had me electronically sign and send back a PDF document agreement of their process via email, then they used my XXXX XXXX account information and credentials to file claims to rack up {$2200.00} in payment reversals. They then asked me to send them that {$2200.00} via XXXX XXXX, after which I would be on a brief waiting list to receive the {$2000.00} loan in my bank account before the end of the day. These scammers have my SSN, my drivers license number, and even my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Private Client consumer compliant : On XXXX XXXX, I checked the online XXXX app to ensure that a wire deposit had been made to my estate account. At that time, I recognized that a deduction of {$220000.00} was made from the same account. I called the branch and rushed to meet a banker. For more than two hours, we worked to discover that my estate documents were inaccurately handled by the compliance department. My banker, XXXX approved the documents and they also went through several rounds of approval with the Legal Dept. at Chase. Once the documents were approved by Chase, I went into the branch to open up an Estate Account with the estate EIN number. Once the account was opened, I transferred assets into the account from banks in Washington and several other financial institutions. There are still more assets coming into the account. 

When speaking to the banker and the compliance dept. an XXXX for remediation including a stop payment of the cashier 's check and reinstatement of the funds as well as a reopening of the account was stated ( on a recorded line ) at 48 hours max. That max XXXX remediation timeframe was met and exceed on XX/XX/10 at XXXX XXXX. I have called my bank XXXX without answer. I have sent email requests to the branch manager and private banker that go unanswered. I have reached out to contacts on XXXX, via email, on XXXX, on XXXX, and via contact us forms for Chase and Private Client areas of the bank. I have received NO response outside of one in which the banker stated that they were looking into it and would get back to me. That was at XXXX this XXXX  and I have called the branch XXXX today, but no one answers and no one responds to my email requests for an update. 

The funds have not been reinstated into my account and I have no idea of the status of the cashier 's check. There has been no follow up and the entire handling of the situation has been irresponsible and dangerous. My assets are not safe with Chase and my assets are not safe with Chase bankers or representatives handling them. I need assistance getting my funds returned to me so I can close out my Chase accounts. I also want to avoid a situation like this happening to another customer due to the lack of checks and balances, error prone processes that leave customers vulnerable to negative impact, and the horrible customer service that Chase provides where they blatantly disregard the best interest of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent a letter before as a result of fraud. They did not accurately respond to my dispaute or send verifications that accounts belong to me

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 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In XX/XX/2023, I was sent a Bj 's One, Capital One credit card. I never request this card. I never activated this card. 

In XXXX or XXXX, I was sent a bill for my BJs membership renewal from Capital One. They took it upon themselves to activate this credit card without my permission. 

I have since called the company. I paid the membership fee. They waived the late fee that I was assessed and my account is now closed. 

I am filing this complaint to make you aware of a practice of opening credit cards without the consent of the consumer. I am aware that this may have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report on XX/XX/2019 because I was about to initiate the process of pre-approval to buy my first house. I was under the impression that I had no debt and a clean report. Imagine the horror to open your report and see charge-offs for three credit cards, and other derogatory remarks with names you have never heard of nor seen before. I had a home chosen already, and I had to walk away from entering a contract due to identity theft and fraudulent activity. 
Wakefield & Associates may or may not be the result of fraud, I can not weigh on either side with pure conviction ; I was never shown validation of the debt, nor had I received any communications regarding this debt or the originator of said account. 
Wakefield 's billing department has far surpassed the allotted time for matters of this nature to be revealed. The only legally sound course of action would be removal. This very account was removed from both XXXX  and XXXX  ; however, despite my attempts to dispute via written and email through XXXX online feature, this account in question was allegedly validated by Wakefields department without informing me and remains on my XXXX report. I still have no answer regarding whom this debt originated from. 
I have sent numerous requests to Wakefield on this matter and made several phone calls without being able to reach an agent due to long hold times. Despite all attempts to establish contact, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Spring Oaks Capital, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message from " Spring Oaks Capital , LLC '' offering payment plan options for a debt I allegedly owe to XXXX  XXXX. I do not owe anything to XXXX XXXX ; I do not have and have never had a card from them. All of my credit cards are in excellent standing and paid in full every month. I have no debt aside from student loans. I thought the text might be a phishing attempt, so I googled -- and my goodness! It's actually WORSE than a phishing scam. There are COUNTLESS complaints by people who received these texts and then found a fake debt on their credit report in default status. Many people have figured out that XXXX XXXX purchased a very old debt ( that was legitimate in the past, but that since expired or was paid off ) and then reported it as a new debt! Others have simply fake debts on their reports. I have not yet checked my report, but if there is anything about this " XXXX XXXX '' or XXXX XXXX XXXX reported on there, I will take every possible legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by an efficient fraudster posing as a government official which involved me making deposits for a total amount of XXXX USD from my Bank of America account to the fraudster.

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 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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