BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear CFPB, I initially submitted a complaint on XX/XX/XXXX ( complaint ID # XXXX ). It is apparent to me that Chime did not read my original complaint nor did the CFPB read my original complaint. First, Chime indicated that my checking account was opened on XX/XX/XXXX. But that date is not correct. I submitted documentation that my account was opened as early as XX/XX/XXXX. Second, Chime indicated that my funds were transferred to the XXXX XXXX XXXX  Unclaimed Property Division for safekeeping. But that is not true, I checked with the XXXX XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX Georgia do not have my funds. I believe that Chime is deliberately lying and stalling to keep my funds. My initial complaint is below and I would like for the CFPB to intervene again to help me get my money back from Chime as soon as possible. 

I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XX/XX/XXXX : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 345 days since XX/XX/XXXX. Please see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XX/XX/XXXX. As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently I applied for a loan and was denied. At this time I realized that damages/ late payment reporting have been placed on my credit report illegally from Transunion XXXX XXXX and XXXX from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to this law no damages/ late payments should be on my report. These damages are a defamation to my character.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX needs to be removed and deleted from my credit report due to the Statue of Limitations it has been XXXX years and XXXX months I have spoken to the company and they repeatedly re-age but never delete please delete and remove immediately 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 non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This complaint is regarding MOHELA and PSLF. Current loans total {$60000.00} and my account is in the SAVE repayment program with a monthly payment of and an interest rate of 6.625 %. Loans were disbursed on XX/XX/XXXX. 
On XX/XX/XXXX I submitted a PSLF E-Sign application, which is still being processed. MOHELA states on its website that the form should take 30 days to process. My current payment count is stuck at XXXX, although I have surpassed XXXX eligible payments. For some reason, the staff is unable to verify my current employment, even though the form was signed and uploaded on XX/XX/XXXX. Calls to MOHELA include a wait time of over an hour, and representatives often give conflicting answers and guidance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a Citi priority customer and holding this account with them for many years. I am based in XXXX and initiated an international wire transfer for USD XXXX on the XXXX of XX/XX/XXXX. On the XXXX of XXXX, I received an email stating that my wire transfer was on hold and that I should call on XXXX. Addtionally it stated that if they dont hear from me, the wire would be cancelled. I promptly call this number and after some verification related questions, I was thanked for the verification and told that the transfer would take XXXX hours. 
However on the XXXX of XXXX, I received an email stating the wire transfer was cancelled because they could not reach me. My correct phone number is on my Citi profile and I did not receive any phone calls from them. 
I had to initiate another transfer, called them again for the verification and once more I got an email stating the wire transfer was cancelled because they could not reach me. 
Since Citi does not have an email service that i could write to them, I posted my grieviance on " XXXX  '' and was promptly called by someone from their social media team who also helped me connect with the Wire transfer team who completed another verification over the phone. The XXXX wire transfer was however also cancelled by Citibank and I have now initiated a XXXX one which is pending and my worry is that this one will get cancelled as well because its the same sequence of events that is repeating over and over again. 
I just called their wire transfer service and completed XXXX more verification as well. 

The entire episode has already cost me XXXX XXXX XXXX  of international phone calls, being put on hold for several minutes each time, embarassment with the intended recipient of the wire transfer as well as torture and anguish. 

I work with other international banks like XXXX in XXXX and it is very clear to me that Citibank is working with outdated systems and technology. I am a XXXX XXXX XXXX XXXX  and feel like i am having to beg with Citi for my own money. 

Last but not the least, I would like to mention that I have had an exactly similar experience with Citi in XXXX where the transfer was cancelled at least twice before it was finally processed. 

I have attached screenshots of emails from Citibank as well as a screenshot of my phone with calls made to Citi. There are several more calls made using 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 2024-01-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted Wells Fargo that my address have changed they continue to bill my old address which I wasnt able to keep up with the payments because I did not have documentation notify me that the payment was due and I was not aware that there was a balance on the account and I had asked that they send me that information so that I can continue to make payments to my knowledge this account went Past due clothes and is a negative reporting on my credit report when I found out that I had this I contacted Wells Fargo directly and use my credit card to make a payment.

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 2024-01-23
Company: Southwest Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
At the beginning of XX/XX/XXXX  We placed an order with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.A. 
for home school products - We paid for this order using our bank account. During this time we had decided to not homeschool our children and return the whole order. XXXX was suppose to provide shipping labels and failed to do so. One of their representative recommended we write return to sender on the boxes and take them to the XXXX store which is what we did. 
XXXX Refused to return our money so we filed a dispute with the bank. The bank had refunded our money and then within 30 days took the money back out of our account and sent it back to XXXX. Which i have provided proof via posted bank statements. 

Every time we have called into XXXX we are treated poorly like criminals and then we are reassured this will be taken care of however to this day XXXX still has not refunded our money AND they turned the account into collections via who also threatened to take us to court and also reassured us that this would be removed. 

SOUTHWEST RECOVERY SER Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX We have disputed this with the collections agency and provided the same proof to them and they are refusing to remove the collections from my account. No one at XXXX will help and no one at the collections agency will help and this appears to be a clear violation of the rules set by FCRA any help would be greatly appreciated as they have been falsely reporting and wrecking my credit for over 3 years.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells Fargo is threatening to sue me if I dont pay them what I owe, first of all I was only approved for a credit limit of XXXX and they are telling me that I owe more than that. Second of all, I lost my job a few weeks ago, so I dont have a way to pay them as of right now. I dont appreciate that this bank is threatening to sue me and take my stuff away, this bank is the worst and I hope that no one else banks with them at all. Never again will I get anything from XXXX XXXX either.

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 2024-01-24
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calling me repeatedly early in the morning or late evening. 
I do not know why they are calling me. 
Attempts to collect debt not owed by 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 explanation
Consumer complaint received 2024-01-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number : XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received another letter from the same office, which prepared this letter on XX/XX/XXXX. Another letter was written on XX/XX/XXXX. However, the content is so different, and I would like you to check, and if there is any suspicious trait, I would like you to investigate further to clarify the criminal activities, which have happened around me. 

Sincerely,

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 2024-01-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Today, XX/XX/XXXX of 2024, I received a document from XXXX XXXX, executive office case specialist, enterprise complaints management office of Wells Fargo. The document suggests two addresses, Return Mail Operations XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX I am not sure why the person in charge provided the return address to this document, which does not have so much serious contents for me. I once thought I might write a letter to one of address ; however, the office address on the envelop said Origin ID : XXXX, Wells Fargo Executive Office, Wells Fargo-Corporate, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX United States US. So I have decided not to write a letter because of this discrepancy of address. I have checked the telephone number written on the document, XXXX and found out the web search suggests that this number is connected to social security scam and some legal issues recommended to submit a complaint. I recognize another number XXXX, which I treated as unwanted or scam call. I have attached all documents.

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 2024-01-19
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from my credit bureau, XXXX, that there was new activity on my credit report from IC Systems ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I received a copy of the report that showed IC Systems is attempting to collect a debt from XXXX for an unpaid cable television bill. I contacted IC Systems ( XXXX ) and they informed me that the XXXX  bill ( Account # XXXX ) was from an address in Florida ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) in the amount of {$1400.00}. I informed the IC System representative that I have never lived in Florida nor have I ever had an account with XXXX, and that this is a fraudulent claim. IC Systems sent me information from XXXX XXXX to file an ID Theft report. The instructions from XXXX XXXX states that XXXX of the steps is to " go to ftc.gov and fill out an incident report with the Federal Trade Commission '', which is what I am doing now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to file a complaint against Transunion Credit Reporting Agency. Ive contacted the company several times and have filed numerous disputes about items reporting negatively on my credit report. I even had a suffix adding to my name and spent months trying to get the matter corrected only to have my credit score to drop in place of the suffix being removed. My score dropped XXXX points because of there negatively reporting practices and not fairly investigating disputes and not requesting information properly upon consumers request. I advise the company of the error and I was denied access of my own credit report and was told that my report had fraudulent activity only to report items back on my credit files that already had been paid, and resolved. They are also reporting items over 7 years old, items paid and discharged through bankruptcy as negative items. Transunion does not investigate items being reported before placing on and individual credit report or do they investigate after a dispute is filed, I have inquiries buy the same company placed repeatedly on my file and when brought to the attention of the Agency nothing is done about it. I feel that individuals scores would not be on the downside if credit reporting agencies will do there part in reporting correct information and making sure that what they are reporting is in fact correct information and not just report information from companies just because they receive information on a individual. Either they investigate and report accurate information or not report it at all. I want my report reviewed for the information Ive stated above and recalculated or for Transunion not to report anything about myself at all. Its not fair!

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 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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, XXXX XXXX XXXX XXXX, CHILD SUPPORT ENFORCEM XXXX, CHILD SUPPORT ENFORCEM 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 an 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 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. 

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 response to consumer: Closed with non-monetary relief