BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo transferred the balance of {$400.00} in my saving account to unclaimed property WITHOUT prior notice nor my permission. 
Wells Fargo has not proactively provided instructions on how to get my money back along with the account closure. 
My address, phone number, and e-mail address are up to date with Wells Fargo. I've had no problems receiving online statements in my email. The bank statement ( attached ) shows that I can receive mail at my address. 

Timeline of events : I received the attached bank statement on XX/XX/XXXX, indicating that my {$400.00} had been transferred to " unclaimed property '' on XX/XX/XXXX, and my saving account was hereby closed. 

XX/XX/XXXX : I called XXXX, the customer service hotline upon receipt of the bank statement. I was put on held and transferred multiple times without getting clear instructions. Additionally, I received no follow-up from them since then, although their representative promised that I'd hear back from them in 24 hours. 

XX/XX/XXXX, XXXX  : I then visited the Wells Fargo branch ( where I opened the saving account in XX/XX/XXXX ) located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. A personal banker confirmed that the bank should have notified me before the unclaimed property transaction. 

XX/XX/XXXX, XXXX  : Pennsylvania Department of Treasury does not have matching record ( s ) regarding my fund. The search result is attached. 

I learned that Wells Fargo is required to notify me prior to the transaction and provide instructions on how to prevent savings from being transferred to unclaimed property. 

In sum, this is a complaint of non-prior-notice for account closure/fund transfer to unclaimed property. I was shocked to believe that no previous communication of any sort ( mail, email, phone, text message ) was given before the transaction. Nor did I ever receive any instructions on ( 1 ) how to prevent the transaction to unclaimed property and/or ( 2 ) how to claim my {$400.00} saving back. To make this worse, there is no publicly available contact information or useful resources from Wells Fargo.

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 2023-03-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Wells Fargo and they have allowed so many fraudulent transactions come out of my account numerous times and Id like all my money back. Over {$4000.00} was taken from me and they said that I went in person and took the money out at locations I have never even been. I would like all of my money back this is ridiculous! I have done business with them for over 7 years and this is the thanks I get. I was supposed to get two provisional credits from fraudulent activity and someone went in and took all of the money out of my account and Id like all of that returned to me or I will be seeking legal action. Enough is enough. I cant even get to and from work because all of my money is gone. I cant believe someone would do this 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 explanation
Consumer complaint received 2023-04-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I applied for the US Bank Business Checking Account and was approved on XX/XX/XXXX. The reason I applied was because when I went on to US Bank website, there was a {$400.00} bonus promotion on the screen. I completed all requirements and was supposed to receive the bonus by day 60. However, after 100+ days, I haven't received anything yet. US Bank also charged me {$6.00} service fee twice without me knowing any ways to avoid it in the first place. I contacted US Bank Customer Support several times. The first time back in XX/XX/XXXX, the customer representative confirmed that I successfully completed all requirements and should receive my {$400.00} bonus soon. 

Yesterday, on XX/XX/XXXX, I contacted the US Bank twice to ask why my bonus hadn't shown up yet. They said that the code attached to my application expired before the account opened. This is very frustrating. When I applied directly from the website, there was a {$400.00} bonus offer prompting me to apply, with the note that the code would be automatically applied. If the code did expire, why did they even let customers use that code knowing that there would be no bonus? This is a bad way to get new customers. I checked online and noticed there were other customers who also didn't receive the bonus like me. 

So basically I was prompted to open a US Bank Business Checking account and got charged {$12.00} fees in total, with XXXX bonus. Completely disappointing.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
With respect to XXXX XXXX : 15 U.S. Code 1681, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2023, there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 
Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Omit the following names as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PA XXXX Omit the following telephone numbers as none are listed at a public record and I have not consented to its recording : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Omit the following employers. 
XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: MT
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 recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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 monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXXXXXX XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the XXXX, XXXX, and Experian to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX XXXX AND XXXX XXXX They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!! 

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 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 explanation
Consumer complaint received 2023-04-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX an ACH for {$25000.00} was sent from XXXX to our international account number ending in ... XXXX at Citibank XXXX This number changed on XX/XX/XXXX to account ending in ... XXXX when Citibank migrated the account from a Private banking account to a domestic account. The ACH was deposited in the old account number that nowadays belongs to someone else despite the fact that rest of the beneficiary information did not match ( name & address ) skipping the minimum steps for verification. To date, the money has not been returned to the sender at XXXX and no solution has been proposed by Citibank arguing that the current owner of our old account number dishonestly has denied to return the funds and the only response we get is that it is being handled by Citi XXXXs Executive Response Unit after two and half months have lapsed ; XX/XX/XXXX to date. 
We have exhausted all the efforts available through the limited Citibank communication channels, clearing minor roadblocks and finally getting some attention, but to date this issue remains unsolved. The money should be sent back to the originating account.

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 2023-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: MORGAN STANLEY & CO. LLC
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a longtime customer of Etrade/Morgan Stanley Private Bank Account XXXX >20years ). I received a letter today ( XX/XX/2023 ) stating that without reason, they are closing my account. My account currently has {$2500.00}. I am given thirty days to act, or Morgan Stanley Private Bank will take action on my behalf. I do not wish to close my account and believe this action is discriminatory. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Bridge It, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I received an XXXX and XXXX XXXX  through Bridget. After my bank account was closed I had an advance due and my XXXX XXXX payments. I emailed their customer service over and over and over trying to get them to help me link a different account to pay what was owed. They refused to help and offered no solutions. Only emailing me numerous times about the situation. I responded each time and they still would not assist me. They have reported late payments on my Credit and damaged my credit after I reached out about taking an alternate account many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This item needs to be verified with a wet signature. The documents used to furnish this information on my report needs to be provided in a prompt timely manner. 

The wet signature should already be on file with the bureaus. There should be no reason to be requesting information. According to the FCRA, there are specific documents required to furnish a item to a persons credit report. It also states that I can request a copy of these documents from the credit bureaus without reaching out to the creditor. 

This item has no reason to be on my credit report. This item is negatively affecting my credit. If the proper documentation was not used to properly report this to my credit it needs to be removed. 

Send all documents used to place this information on my credit needs to be sent to my mailing address 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 non-monetary relief
Consumer complaint received 2023-04-14
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: Investigation took more than 30 days

Complaint:
On ( XXXX  ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 XXXX have got into the hands of the wrong person. 
I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have 30 days left to remove the following accounts completely from my Credit File

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 2023-04-14
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I took out student loans and have been charged absolutely ridiculous fees. 
I was in school 2 years ONLINE and was charged over {$8000.00} for room and board, which I never had. I was an online student. 
School tried to hold my transcripts stating I owed {$3000.00} more dollars to graduate. 
Went to XXXX XXXX  online to get my XXXX of XXXX XXXX XXXXXXXX Graduated in XXXX. 
Loans have been sold multiple times and at one time 2 loans had 12 different companies owning them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXXXXXX XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2023-04-14
Company: Experian Information Solutions Inc.
State: IL
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:
I sent in my dispute in on XX/XX/2023 i have not received anything back in pass the 30 days

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 2023-04-14
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I would like the CFPB to recognize my right to rescind the mortgage transaction with Caliber Home Loans , Inc. due to their failure to provide full material disclosure as required by Truth in Lending, Regulation Z under the Consumer Credit Protection Act. Under 15 USC 1635, an obligor has the right to rescind a mortgage transaction within three business days of the transaction or until the required disclosures have been provided, whichever comes later. If the creditor fails to provide the required disclosures or notice of the right to rescind, this right of rescission is extended up to years in my case. I exercised my right to rescind within the three-year period due to Caliber Home Loans , Inc. failure to provide full material disclosure at closing. I sent three notices of rescission to Caliber Home Loans , Inc. via certified mail, and they failed to respond or file a judgment disputing my right to rescind within 20 days, as required by 15 USC 1635. This failure to respond within the 20-day period means that the rescission is final, and the security interest created by the transaction is void. I have an open lawsuit currently on Caliber Home Loans, INC. at the United States Federal District Court of Delaware, Case Number : XXXX. They have recently foreclosed on my mortgage during an ongoing case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit adjusters has placed 3 accounts on my credit. They sent me paperwork with misspelled name of mine but no proof the debt is mine. This is a check cashing place that I looked up and never used. They refuse to respond timely and can not verify this debt. But refuse to remove it.

Company response to consumer: Closed with explanation