BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: NAVY FEDERAL CREDIT UNION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Navy Federal is going into accounts and charging insufficient funds charges on people. I had money in my account, yet there were charges that I didn't know were coming out hitting my account. They declined the charges and then billed me {$29.00} three times in one day and demand that I pay it. I refuse to pay that. When I called, they were rude, and wouldn't do a thing to help me. They are robbing people every day, and need stopped. I had to leave XXXX because they stole {$500.00} from me one day, and now this. I demand that those charges be removed, and my account be closed. I will not do business with a shady company like this. They aren't rhe only ones hurting for money, it's all Americans right now, but we don't have access to people 's bank accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: FISERV INC.
State: OH
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 is incorrect

Complaint:
Hello, I am the principle owner of XXXXXXXX XXXX XXXXXXXX. We are an online seller of skull rings and jewelry. We recently had a claim from one of our former payment processors, First Data now owned by Fiserv, that our account experienced " Laundering '' activity. This has apparently been happening to several businesses according to the company that helped us obtain processing. We believe this is a generalization made with no solid evidence of " laundering '' activities as they shut down processing for several businesses in a very short time frame. We have no form of laundering as we are an online retailer that sells rings to customers located in the United States. We would like for this judgement of our activity to be removed from our history as it is impacting our ability to obtain additional processors. We stand behind our business and have done no act of laundering. Please help us remove this illegitimate claim from our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: I.C. System, Inc.
State: SC
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 sent a debt validation letter to IC Systems via certified mail. It was signed for on XX/XX/XXXX. They have not responded to me at all, but reported to the credit bureaus on XX/XX/XXXX. There is supposed to be time for me to validate all accounts before being reported within 30days

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 2021-12-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Wells Fargo on XX/XX/2021 stating that my Wells Fargo card has shipped. I thought this was a phishing attempt, so I forwarded the email to XXXX and deleted the email. A few days later I continued to receive emails from Wells Fargo with welcoming instructions for a new checking account that I did not open. I then proceeded to call Wells Fargo on or around XX/XX/2021 to report potential fraud activity with a checking account I never opened. After speaking with the Wells Fargo fraud department, the representative stated that they did no see any new accounts open under my name and social security number. Later that day I was informed that a debit card had been shipped to my residence showing that a new account was opened in my name, which I did not open. On XX/XX/2021, I called Wells Fargo back to get ahold of their fraud department, which I finally did. The representative I spoke to stated that two checking accounts have been opened in my name within a week and half. He said that the accounts would be frozen during their investigation. He also stated that I should place a freeze on my three credit reports to ensure no further fraud could take place. He also stated that I would receive a fraud packet in the mail with guidelines on protecting myself and the steps to take to avoid further fraud. 

I then placed a freeze on my three credit bureaus and waited for the packet in the mail. After nearly a month of waiting, nothing came in the mail. I then walked into a local branch to discuss my situation with a branch manager. The branch manager stated that Wells Fargo as seen an exponential amount of new checking accounts opened within the last two months and they were rapidly exploring why. I stated that it seemed Wells Fargo was opening accounts frequently to boost quarterly numbers as they have done so in the past. One thing to note, I was previously a Wells Fargo customer. I closed all accounts about seven years prior to this new checking account being open. The branch manager said that they keep all customers data on file forever. The branch manager went on stating that they think a vendor could have leaked data which allowed new checking accounts to be re-opened. The branch manager said I should have received a fraud packet in the mail by now, which after nearly two months, I have not. 

I am in the process of opening some retirement accounts and purchasing a new vehicle. Since I have frozen my credit bureau accounts, it is becoming difficult to do so. This has cause an increase in stress and frustration that should have been avoided if Wells Fargo had better security measure 's in place. Keeping customers data forever should not be allowed and should be expunged after " x ' amount of time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus stated my account was properly investigated for ( XXXX ) account # XXXX, but how is that possible if its incorrect data and not 100 percent accurate. This is grounds for removal they violated my rights! On this account for the month of XX/XX/XXXX Experian has the account listed as ( ND ) however I will provide bank statements that shows I paid in XXXX. I have sent two prior disputes in regards to this issues and both came back with same results with no deletion or fix. Complete violation to my rights. XXXX, Experian, XXXX are reporting different information for months of XXXX, XXXX of XXXX. 

Also on my bank statement that I sent you can see I made my payment XX/XX/XXXX that Experian as ( ND ) on my credit report 15 U.S.C 1681 section 5 ( a ) states that If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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.

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 2017-11-15
Company: Home Point Financial Corporation
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX behind on mortgage due to loss of job and death in the family. Started modification process in XXXX XXXX. Every month since then they say that I am missing paperwork and to resend. I resend the missing paperwork and they continue to say that they did not receive it. I have all fax confirmations showing where the paperwork was sent in. I reached out the XXXX XXXX XXXX XXXX to help out with my FHA loan modification. They are running in to the same issue as me. They keep saying that they are missing paperwork. I showed all fax confirmations to the legal clinic. They were told by the mortgage company that they " may '' have the paperwork, but to resend it again so they do n't have to search. I was told that during the modification process the foreclosure would be stopped until a decision was made. However ; I received a notice of sheriff sale today for XXXX XXXX. I call on a daily basis to check up on the process and I always have to leave a message for " XXXX XXXX '' who is on an extended leave. Her voicemail says it is being checked daily and that all calls will be returned within 24-48 business hours. However, they never call back. Then when they do actually decide to call me, it 's only to inform me that all of my paperwork has " expired '' and to fill out and send in all the documents again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector all of the sudden started calling me regarding a debt from XXXX when I had an XXXX XXXX the insurance paid but there was some remaining balance. I don't recall receiving any written information since then. I moved from that address in XXXX and was ill for over 2 years living with family due to XXXX XXXX XXXX  I don't recall ever receiving any phone calls or mail from this debt collector until now, they are harassing me and from my understanding this debt is already date barred due to statute of limitations. Why are they calling me all of the sudden after 6 years?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Citizens One Home Loans and spoke with a woman with the initials XXXX, on or around XX/XX/XXXX and requested the removal of my PMI. I received a letter dated XX/XX/XXXX the letter contained instructions on how to authorize and remove the PMI on my conventional mortgage loan. One of the requirements listed within the letter was ; you must be current on your monthly mortgage payments, no payment have been 30 days or more past due within 12 months, no payment have been 60 days or more past due within 13-24 months of the date we receive your request, the principal balance must meet or be reduced to 80 % of the original value. I spoke with XXXX  again on XX/XX/XXXX, I asked her If my loan is currently suspended/forbearance will it affect the outcome of my request? She assured me, being on a suspension/forbearance puts my account on hold, the payments are not past due and will not be an issue as long as the BPO comes back at {$230000.00} or higher. Having been given this information, I mailed a written request along with check number XXXX in the amount of {$100.00} to Citizens One Home Loans. Check number XXXX was cashed on XX/XX/XXXX. I was contacted by real estate broker XXXX XXXX on XX/XX/XXXX, the inspection of my property was conducted on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating We have determined that the requirement ( s ) for cancellation have not been met due to the below marked item ( s ). reason being The requirements are ; you must be current on your monthly mortgage payments, no payment have been 30 days or more past due within 12 months, no payment have been 60 days or more past due within 13-24 months of the date we receive your request, the principal balance must meet or be reduced to 80 % of the original value. I contacted Citizens One Home Loans on XX/XX/XXXX, and confirmed the deferral of payments, and also made the XXXX payment, I also requested to speak with XXXX. I was told a request had been sent to her, and she will get back to me within 24-48 hours. I never receive a return call. I left a message for XXXX XXXX in the Office of the Chairman on XX/XX/XXXX, her voice mail informs callers a call will be returned within 24-48 hours, I never received a return call from her. 
Per XXXX XXXX COVID Ref Guide ref pg 15 Borrower-Requested Cancellation of Borrower-Paid Mortgage Insurance, Mortgages restored to current status under the COVID-19 payment Deferral, the borrower must make 3 consecutive payments following the settlement of the COVID19 Payment Deferral to meet this qualification requirement.

I called Citizens One Home loans today and was told the BPO will only be good for 90 days and will expire before my qualifications have been met. I did request a refund today and was on hold for almost an hour, with nothing resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. 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 These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Radius Global Solutions Company has been calling my phone and sent me a letter in XX/XX/2022 stating that I owe them money from the debt I owe from XXXX XXXX. They have been calling my phone number ( XXXX ) XXXX XXXX. They use the number ( XXXX ) XXXX in contacting me several times and different times of the day too. They did not send me a copy of the validation of debt.

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 2021-03-05
Company: ZIONS BANCORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Zions Bank is reporting a debt on my credit that is not mine. I am no longer an authorized user on this account and they refuse to remove me. I have called in and requested they remove me multiple times and they will not. I did not sign any contracts and this debt is not mine. I need it removed from my credit file ASAP.

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 2018-04-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked all three credit bureau 's to remove the public record from all my credit reports because it is a clear violation of the Fair Credit Reporting Act and they are claiming to get information from the Bankruptcy Court. They claim to get information directly from the courts. I have attached documentation from the court and from all three credit bureau 's. XXXX had removed the public record then they re-inserted it causing my fico score to suffer.

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 2021-07-16
Company: EQUIFAX, INC.
State: NV
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 It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$12000.00}, {$2700.00}, {$4500.00}, {$2500.00}, {$7900.00}, {$0.00}, {$41000.00}, {$39000.00}, {$4000.00}, {$18000.00}, {$6100.00}, {$11000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- INSTALLMENT LOAN 11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Wells Fargo repossessed my auto on XX/XX/XXXX. On XX/XX/XXXX I was informed that if I paid WF {$4800.00}. On XX/XX/XXXX I paid WF by cashier 's check {$4800.00}. On XX/XX/XXXX I received WF letter stating that the loan had been satisfied in full and that Credit Bureau and everything should be settled in 1-3 months. At which time I expected to receive the title to my car from WF. WF never provided the auto title. WF sent me their Lien Release letter with Documentation dated XX/XX/XXXX, thus taking this matter into the covered penalty period for WF. They purposefully did not inform me that WF did not hold the title to my car at the time of repossession. And, by not providing my title, WF prevented me from being able to get a state title so I could sell the car. Lastly, WF purposefully waited until the statute of limitation for me to take action to recoup the {$4800.00} I paid them to get my car back before informing me that they did not hold my car title.

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 2021-12-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went through the process of adding an external bank account to my Citizens Bank online profile in order to be able to transfer funds. The first time I tried to authenticate the account, it did not work. The second time was successful and I received notification that the accounts had been successfully linked. On XXXX XXXX, XXXX, in good faith, I transferred {$3000.00} from my Citizens Bank account to my linked account at XXXXXXXX XXXX. Citizens Bank immediately ( the same day ) suspended my access to XXXX XXXX. Rather than returning the funds to my Citizens Bank account, they held them and did not return them until I wrote them a very irate complaint letter ( I do not have the date, as it was sent through their website ). The funds were returned to my account on XX/XX/2021. Over and above the atrocious customer service, this policy seems to me to be suspect. If Citizens Bank is, in this way, giving themselves unapproved access to customer funds for an unspecified amount of time, they are in a very good position to profit by using customer funds in a way that I can not imagine can possibly be legal. 

The week before this occurrence I had spent XXXX hours on the phone with Citizens Bank trying to resolve a transfer issue. In accordance with their policies, bank managers are not able assist with online issues and customers have no choice but to sit on hold for egregious amounts of time. 

Despite repeated attempts to elicit a response from XXXX XXXX at the Office of the Chairman at Citizens Bank, she has been ignoring my communications and my access to my linked bank account at XXXX XXXX is still blocked.

Company response to consumer: Closed with explanation