BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: VA
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:
The complainant was shocked to hear that Wells Fargo bank alleged without proof that the complainant or XXXX XXXX with last four SSN XXXX claimed that his recent XXXX transactions were fraud made against one of his accounts at Wells Fargo bank with full account number is XXXX account ending in XXXX that impacted account ending in XXXX is now confirmed closed by Wells Fargo bank in retaliation and harassment against his person. 
In a Wells Fargo new allegation without proof it stated : The fraud claim filed for the account number ending in XXXX was for the following transactions : XX/XX/2019 XXXX Online Ads {$77.00} XX/XX/2019 XXXX Online Ads {$22.00} XX/XX/2019 XXXX Online Ads {$50.00} that was Wells Fargo bank own desired to be a claim to justify the retaliatory closure of my account ending in XXXX. 
Wells Fargo must contend to the following : closure of the above referenced account ending in XXXX was never due to XXXX XXXX claim that the above XXXX   transactions Were fraud. 

Or Wells Fargo must provide clear convincing evidences that a claim of fraud for the above XXXX transactions was made by XXXX XXXX. 

Someone is lying here. Where are Wells Fargo proofs of what it alleged? 


Pursuant to the freedom of information and/or the Privacy act comes XXXX XXXX to Request the entire investigative file that Wells Fargo bank has or stores in its database or used that lead to close XXXX XXXX account ending in XXXX. 


The XXXX transactions were about payment for advertising. When Wells Fargo invaded XXXX XXXX privacy and Learn that Wells Fargo bank retaliation against XXXX XXXX is Public now then : Wells Fargo decided to close XXXX XXXX account ending in XXXX in revenge and/or retaliation.this is proven fact. 

Wells Fargo is a criminal corporate or is run by some criminals. Wells Fargo by closing account ending in XXXX assumes full legal and/or criminal liabilities for anything negative that happened or to happen to the complainant. Wells Fargo bank assumes all the legal consequences for its continuous retaliatory adverse actions it committed against XXXX XXXX. 

This complaint is in defense and response to new alleged claims by Wells Fargo against the rights of XXXX XXXX. 



All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to any change or correction of any kind by him only at any time without any notice and without waiving his rights. 


Thank you, The complainant.

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 2018-01-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I would like to start by saying that I have enjoyed a very professional and courteous relationship with Navy Federal Credit Union. The staff is usually available and excited to assist with any issues and or concerns. 

Unfortunately, in this instance I have spent countless hours on the phone with various people including a Supervisor regarding this issue with no resolution. Initially in XXXX we were approved for an auto loan with Navy Federal Credit Union. At the dealership we were extended an offer with 0 % APR. We accepted that deal and proceeded to purchase the vehicle. We then were going to refinance the loan with Navy Federal in XXXX and received an approval on XX/XX/XXXX The decision was made not to proceed with the refinance at that time. 

Navy Federal Credit Union was promptly contacted and advised of our decision. I was advised that the initial check from XXXX was going to be voided and that a subsequent check was going to be sent ; however due to us cancelling the loan it was never sent. Navy Federal Credit Union is now reporting this loan on our credit report. Since this loan was never fully executed this should not be reporting on our credit reports. I have made many phone calls to them and was promised a deletion however it has not materialized. I am concerned about the negative impact that this will have on our credit. We have worked very hard to maintain a positive credit file and need this resolved urgently.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made a XXXX transfer of XXXX EURO from my XXXX XXXX account to Coinbase on XXXX XXXX 2018. I have since discovered that XXXX uses XXXX to process its XXXX payments. I have also subsequently discovered that Coinbase do not accept XXXX transfers from XXXX, although Coinbase failed to indicate this. I understand my transfer was therefore rejected by Coinbase, however it was returned to XXXX without the required account information for it to come back to my XXXX account. 

I have been informed by XXXX that the ONLY way I can get the money back is if Coinbase completes and sends me an XXXX form with the required information for the money to be returned to my XXXX account from XXXX. 

I have tried to contact XXXX repeatedly via email and telephone to resolve this but have not had any response as yet. It has been weeks and I am very concerned about the whereabouts of my money and quite frankly the lack of concern and assistance from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. They were taken off in error and the creditor said they are STILL reporting it. It is on EQUIFAX now to add It back. Thank you! This is becoming very serious! 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts. 

They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted Chase bank on at least two prior occasions within the last year, advising them not to pay charges when there are not enough funds to cover them in my account. They continually explain it 's there policy if it is a recurring charge. However, I personally do business with other banks that do not pay charges when there are not funds available, no matter what. I believe Chase uses this practice to justify charging overdraft fees. My account is currently overdrawn due to a charge XXXX, I contacted chase to ask them to reverse the charge, they requested additional information that would take time to process, instead of reversing the charge immediately, like they 've done in the past. This is an extreme inconvenience, as my account is currently showing a negative balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been making payments on my credit card. The payments clear my bank account but my credit limit does n't reflect it for 7 to 10 business days after clearing my bank. I am paying a fee to use  this credit limit and earn miles, however, I can not because my credit limit is being held up. On XX/XX/XXXX I made a {$400.00} payment that cleared my bank account the following day on XX/XX/XXXX. My billing period has since closed and as of XX/XX/XXXX this payment is still have not been applied towards my credit limit. This happened the previous month and the Citi Rep told me to make the payment over the phone. So, this payment was made over the phone and the automated service stated that my credit limit would reflect the payment in 2 business days after being received. When it did not then I called XXXX XXXX XXXX on XX/XX/XXXX and he could not help me and told me I could call another number. I have been paying other credit debt with Citi for years from my bank account which has been established and in good standing since 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 2018-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
First, I should not be charged the late fee, as I didnt know what I had to pay, since I had filed previous complaints with the CFPB and was waiting for them to be resolved.Please refund late fee and interest charged.

On the the interest, I logged on recently and noticed my rate is now 29 % ( apr I believe ). I think if anything, and according to the Obama Credit Card reform act, my rate, after paying more than the first six months off on time ( Im almost positive if not more than six ) should have gone down. I havent kept track so much but I doubt I had started with 29 % rate. So to sum up, please lower the rate based on the law I mention, and refund the interest and late fees. For XX/XX/XXXX for example, I was given a refund of both but never had a chance or knew what I should pay before Capital One considered it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company : XXXX XXXX Date : XX/XX/2016 XXXX XXXX has been reporting that I had a delinquent payment on XX/XX/2016 on my Trans Union Report, but on my XXXX  Report it does not. I spoke to them and filed dispute 3 times but they refused to correct it from NOT being delinquent. I was told that they were migrating to a new system and that caused a missed payment on my account as it was on auto pay. They refused by saying that it was my responsibility of updating my account. I did not receive any communication that there was a new system being implemented. 

I have been trying to get a mortgage loan for the past year but this missed payment is causing issues for creditors as selecting me as a risky.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
These account do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

CAPITAL ONE BANK USA N Account Number : XXXX Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I pulled my credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. Attached to this letter is proof that these accounts were deleted. Please follow XXXX XXXX delete these accounts for accurate reporting. They must be deleted in order to show my true credit history. The accounts are noted below : XXXX XXXX- XXXX XXXX XXXX - XXXX If these accounts were requested to be removed by the creditor from the other credit bureaus they should have been deleted from Experian as well I spoke with the company and they confirmed that they sent the deletion request to Experian but nothing was done!! these accounts need to be removed ASAP!! The next account is the company XXXX XXXX   XXXX is reporting on my credit i have advised multiple times that the account was open fraudulently using my information but yet they keep saying it has been verified OF COURSE THE NAME AND DOB & SSN IS GOING TO MATCH IF THE ACCOUNT WAS OPENED FRAUDULENTLY USING MY INFORMATION!!! I even attached an email from them saying that the account is not mine and they will be removing it. but yet it is still on my credit report. Experian is not doing their due diligence to look into the account & remove it. I have done everything i needed to do to report this account as fraud the moment it popped up on my credit report. The next account is XXXX XXXX/XXXX XXXX XXXX this company did not validate the debt and confirmed to delete the account but has not been done. Also XXXX/ XXXX XXXX XXXX is not reporting correct information and needs to be deleted to reflect my true credit report! The next account is XXXX XXXX XXXX the account does not belong to me. I have disputed with the company directly and they confirmed to delete the account and it has not been done with experian. The other account XXXX XXXX XXXX was open fraudulently and i did not authorize the account to be opened. Lastly the names that are reporting on my credit report are inaccurate XXXX XXXX name id # XXXX XXXX XXXX name id # XXXX. These accounts needs to be deleted as experian is not showing my true credit report with reporting inaccurate information.

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 2020-04-26
Company: Experian Information Solutions Inc.
State: MD
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:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX - {$4100.00} XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$370.00} XXXX XXXX  ( Both accounts )

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 2019-07-09
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for loan on XXXX XXXX.Submitted all requested documentation within three days. Initial approval was on XX/XX/XXXX, no word from loan officer until I sent an email XX/XX/XXXX asking about delay. A insurance document was missing. Sent it. 

I received this email in response to is this all you need? 
On Tue, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote XXXX At various points during the loan process, we will send you information based upon regulatory requirements. 

I was told I would hear within 72 hrs. 

XX/XX/XXXX I asked again about the delay and for a decision within 48 hrs OnXX/XX/XXXX st I asked again and was told they couldn't proceed at this time, but the loan was still pending. 

The rate lock would expire on XX/XX/XXXX. They would not approve until after that date making the agreed upon loan terms void. 

At this point I'm out XXXX for an appraisal and XXXX for a demand letter and fax. There maybe other fees I will have to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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: Their investigation did not fix an error on your report

Complaint:
My issue is that I have 2 accounts XXXX XXXX & XXXX XXXX XXXX that are this reporting negative credit information and the 7-year rule is in effect. Both accounts in question 1st became delinquent over 7 years ago. I disputed this with all 3 credit bureaus and not only did they not fix the problem, they also didn't properly investigate the matter. Not even the creditors were able to verify what we requested.My complaint today is with Experian, XXXX, and XXXX. Hoping to get this resolved and appreciate your help.

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 2019-07-09
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
End of XXXX or early XX/XX/2019 on a Saturday while I was at work, Synchrony bank/ amazon credit contacted my fianc on XXXX. This telephone number has never been listed on any of my credit accounts as a form of contact and the only connection I have with this telephone number is that the line of service is in my name. The caller/collector began to disclose personal information regarding the attempt to collect an amazon credit card debt. This person violated privacy acts by disclosing information to persons not listed or associated with this account. They also contacted a telephone number which had never been listed on my credit account with synchrony.

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 2019-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
back in XXXX I started to check my credit report for first time and to get a better understanding with that being said I came cross a judgment from portfolio recovery associates llc they file back in XXXX or sooner while doing some digging I came cross a judgment from portfolio recovery associates llc but this time it came from XXXX , county for the amount of {$1500.00} and the judgment in XXXX county amount is {$1400.00} and when I ask portfolio recovery associates about it they wasnt it having it told me it to late that they dont need to show me anything and wasnt giving me the right information they just only send me a statement with my name and old address and for the amount of {$1500.00} and the date of this statement is XX/XX/XXXX from XXXX portfolio recovery associates Attorney now telling me I own {$2800.00} and when try work it with Attorney for portfolio recovery associates they wanted {$2400.00} I am so lost on what amount is right and I just think that portfolio recovery associates is just trying to get more big money profit than to work it out with the Consumer how can any amount given be 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: D2 Management LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX 2017 - this company called saying they were collecting a debt which i didnt remember - her name was XXXX XXXX - she called form XXXX - I gave her my bank info and we agreed on XXXX a month which she has been taking for a year now..every month - i attempted to call her back to see how much was left on this bill but the number isnt in service. and I can find no info online as to how to contact them. They have taken XXXX from my acct over the last year ad now i feel really dumb..The company name is D2 management..Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Parent Plus with Great Lakes. Original amount was XXXX ( XX/XX/XXXX ) and now is over 19,000. I have paid since the onset of the loan in XXXX. I have somehow been duped, lied to and placed in a never ending payment plan. How does this happen? I was unable to secure another loan to pay this one off. I DO NOT believe this type of interest gouging is legal- if this is- SHAME on them and the Fedreal Government for allowing this agency to take over these loans. I am more than happy to pay off the original debt. This new debt is way beyond my original agreement. I have been swindled. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They called me claiming to be collecting a debt, which is non-existent, to Wells Fargo. She threatened to file suit if I didn't pay $ XXXX right then. XXXX at XXXX was her name. She contacted my estranged sister, a previous employer, said they mailed me documents 45 days prior. Threatened criminal charges and liens against my car, repossession of my car, and garnishment of my wages. She was vicious and aggressive. Claimed to be with XXXX XXXX XXXX XXXX. XXXX XXXX was who XXXX XXXX is with. She gave me a case number. Her number is XXXX. It's a scam!!! No legal action is pending against me. Vulnerable people might fall for it. She said they had hired a detective to follow me. She knew my social, phone, address, birth date, email, employers, relatives.

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