BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited a check in my Wells Fargo Checking account. This check was sent to me as a payment for a job, with some additional money to pay to some vendors of the company who was hiring me, the total amount for the check was {$6000.00}. 
The check was immediately placed on Hold by the bank and was released on XX/XX/2022. Since the check was placed on hold I trust the bank that everything was ok when the money was made available on my account 5 days later. 

On XX/XX/2022, I went to my nearest Wells Fargo and purchased a cashier 's check for {$3000.00} and made it deposit to another Wells Fargo account and a XXXX transfer for {$600.00} as I was instructed. A few hours later I tried to make a personal purchase but my card was declined so I checked my Bank App and it show that my account was overdrawn. 
I called the bank to see what was happening and I was told that the check was being returned unpaid even though it was placed on hold and made available to me. 

After this, I went to the Bank to try to stop the payments and show my unconformity with the check being made available in my account when it was clear that it needed more time to verify, but they couldn't cancel them. 

The bank started to charge me fees for the overdraw and every other transaction that was being declined, I ask to talk with someone who could helped me and explain to me why the check was made available without making the pertinent revisions since this was the main reason to place a check on hold. 

When I had a response from the bank I was told that I was a victim of a scam but the check was my responsibility, that I had to verify it by myself before I deposited it into my account, when I am not an expert in it nor do I have the tools to do it, but they do. There was negligence on the part of the bank in the process.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: TN
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:
I am filing a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act and 15 USC 1681. The following account on my credit report was furnished without my permission : XXXX XXXX This is a violation of my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681 section 602 A. The Fair Credit Reporting Act, specifically 15 USC 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, except for records of convictions of crimes that are more than seven years old. As such, the account listed above should be deleted immediately.

I also found multiple billing errors on my credit report, which violates the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Specifically, 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I demand to see proof from the creditor bank account that I was marked late due to non-payment, as I was not notified 21 days before with a statement. As a consumer, I have the right to have these errors corrected on my credit report, and the items below should be updated accordingly.

( *LATE PAYMENTS? ) If these accounts are not updated immediately, I will pursue monetary compensation for the violation of my rights in small claims court under 15 USC 1681n civil liability. I have already filed a complaint with the State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

Lastly, I did not authorize the following companies to access my credit report, and I suspect that these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted these companies and they have no proof that I authorized these inquiries or that there was a permissible purpose. Please remove these inquiries immediately.

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 2016-06-23
Company: United Recovery Solutions
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
name of company : United Services phone number of company : ( XXXX ) XXXX I received 2 phone calls today XXXX/XXXX/16, from this phone number. The first time the male said his name and would not address the company he works for. I hung up and he called right back. He asked my if i was who I am so I told him I was. He then proceeded to tell me that he works with the state prosecuting attorney 's office and that there will be XXXX felony charges pressed upon me and that warrants were then going to be put out for my arrest. When I hung up, I was in such a panic because I am XXXX and the situation scared me. I called the state attorney 's office right away and they said that there was no felonies no warrants and they nor any affiliates would call me and ever tell me such a thing. XXXX. They do not care about who they are hurting nor how they are hurting them. This is XXXX damaging and could have turned out to be XXXX harmful as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Coinbase, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been using Coinbase Debit Card for just under 1 year now. I recently went through all my transaction history and noticed I have 9 transaction dating back to XXXX of 2022 that are stuck in a pending state. Some of these transactions are for gas station fill ups or dining out. With these gas station transactions there is an initial hold put in place for a higher amount of money to ensure that the debit card has enough for the transaction. Shortly after this the correct amount is charged which includes crediting back the different between the hold and actual gas purchase. I understand this. Since these transactions are stuck in a pending state I am not being credited back the difference from the hold. This is also the case for dining out. I noticed I have one transaction stuck in pending and the tip has not been applied which would raise the debit a bit. The transactions I am referring to range from XXXX XXXX to XXXX XXXX. I have had too many communications with Coinbase to even count. Their support at this point useless. They give me the run around or disconnect me from phone calls/chats or ghost me on emails. They tell me this has been assigned to a specialist but i have sent repeated emails to their support email only to get a non-specific canned response. So I have resorted to reaching out to your office for some help and guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Wells Fargo 's XXXX XXXX location in XXXX, Tennessee for a scheduled meeting to conduct a wire transfer. I met with my private banker XXXX XXXX at XXXX XXXX  CST. I opened an account for a safety deposit box and then moved forward to make a wire transfer. I was attempting to make a wire transfer of {$320000.00} to a company I do business with in XXXX. XXXX explained that she was going to need to call for a code to complete the transaction. She called to request the code and was placed on hold for 15 minutes. When someone picked up the phone it was a gentleman named XXXX. He proceeded to ask XXXX : how long have you known Ms. XXXX? Why is she sending this size wire? Why would anyone pay her this much money? Can you send me a copy of her driver 's license? He then puts her back on hold for another 36 minutes. When he comes back to the line, he tells XXXX he is opening an investigation into the wire. I was shocked and alarmed by this statement. 

XXXX apologized for his behavior. I later received a call from an XXXX in the fraud department telling me my account is being closed because the wire was being recalled because of fraud. I asked her why was that the case when I had submitted a Client Information Sheet, Anti-Money Laundering agreement, an engagement agreement, a copy of the sender 's passport, and a copy of the wire transfer slip to my local branch. She said the wire was being recalled and it was nothing I could about it. I told her I was filing a complaint because this was the second time in a year I have had problems with Wells Fargo regarding large deposits into my account. Last year I had {$250000.00} deposited into my account and I was accused of money laundering. 

I spoke to the sender of the wire and she did tell Wells Fargo she was going to recall the wire because she did not like the questions they were asking her. She did go to her bank on Tuesday, XX/XX/2021 to let them know she was not recalling the wire.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-04-04
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2017 I initiated a {$60.00} international money transfer through western union to my family member in XXXX ( Tracking # XXXX ). Western Union refused to pay the money with no reasonable explanation. I raised a complaint with them internally and they stated they would initiate an investigation that could take up to 20 days ( Tracking of complaint # XXXX ). Days later I received a call from them stating that there was an error in their system that prevented them from paying out the money and provided me with a tracking # to claim my refund plus their {$5.00} fee at one of their agent locations ( tracking # XXXX ). When I went to claim the money they refused to pay saying the transaction was canceled and to contact Western. I contacted them and their story this time was that they refunded me the money DIRECTLY to my account. To date I have not received such refund ( attached is also my bank statement as proof ). They just continue to give me the run around with no resolution. I am now out of my {$65.00} and my family is going without due to this ridiculous way of stealing money and handling on behalf of Western Union. I hereby demand that they refund me immediately. 

Please help me because these people are crooks! I am also having trouble with them paying out or refunding me another money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: NEW YORK COMMUNITY BANCORP INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was origionated by XXXX and subsequently sold to Flagstar in XXXX ( i beleive ). 

XX/XX/XXXX was informed that I did not have SUFFICIENT insurance coverage. After proving coverage no further communicaiton was recevied. 

XX/XX/XXXX I was told that they had " sent notification that the amount of coverage provided by my current flood policy was less than they required '' they hadn't told me that since XXXX of XXXX in the info above. 

On XXXX XXXX was billed {$13.00} for insurance. 

Again informed that I had INADEQUET coverage I called AGAIN. Its difficult to get a real live person at Flagstar. Finally connected with an insurance representative who is a contract employee for multiple banks and said that I had an issue with a LAPSE not INADEQUET coverage like the letters stated. XXXX confirmed with someone at Flagstar but when I asked for a name for my records they would not provide that. The agent acknowledge that My insurance company XXXX usually does not have issues. I have been with XXXX for 36 years. 

I want to make sure that we don't keep having this issue with Flagstar. They did not convey the confidence to me that they knew what the problem was and that they could correct the issue. I am contacting on my behalf as well as those who may also be affected by their incompetence.

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 2022-08-29
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-26
Company: Experian Information Solutions 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:
I am filing a formal complaint as a natural person with rights protected under 15 USC 1681. My credit report has been violated by the consumer reporting agencies, who are also in violation of the Fair Credit Reporting Act. I demand that the following accounts be immediately deleted as I did not authorize the consumer reporting agencies to furnish them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following sections of the law have also been violated : 15 U.S.C 1681 section 602 A. guarantees my right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer report containing adverse 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 ) states that no person shall furnish any inaccurate information relating to a consumer to any consumer reporting agency.

Upon reviewing my credit report, I noticed multiple billing errors violating TILA 15 U.S. Code 1666 ( b ) billing error. These errors include : ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
The creditor did not notify me 21 days before with a statement, and therefore, there should be no late payments on these accounts. I demand to see concrete proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report : XXXX XXXX XXXX XXXX If these accounts are not updated promptly, I reserve the right to seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission.

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 2022-10-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am charged {$8.00}, every 7 days if I do not use my card within this time frame! This is absurd! I dont make purchases weekly, where this particular account is used.

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 2023-04-07
Company: Experian Information Solutions 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, 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 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Credit card with Bank of America since XXXX with a {$500.00} credit limit. Through out the years I have used and paid down/off the amounts I owed .... never late payment. My last purchase was made around XX/XX/XXXX a month or 2 later I paid off the account and now XX/XX/XXXX I see the account has been closed for inactivity, without a warning, no email, no phone call. I called bank of america and they said my account was closed due to inactivity, and in order for me to get the card back I had to apply. I declined that offer.

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