BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo sent me the following email. I attempted to advise them I am not a Wells Fargo client and not bound by any of their internal decisions via a reply to the email and they instructed me to attempt to login via a link. I believe Wells Fargo is engaging in their standard practice of opening accounts for people that have not been requested. 

Please see the email below : From : Wells Fargo XXXX We are updating the XXXX XXXX XXXX Addendum When you enrolled in the XXXX XXXX XXXX, you reviewed and accepted our XXXX XXXX XXXX XXXX to the Wells Fargo XXXX XXXX XXXX ( XXXX ). On XX/XX/2021, the XXXX XXXX XXXX XXXX will be revised to provide more clarity on the use of XXXX and to remove outdated information. 

No action is required on your part. This notice is simply to let you know that certain terms in the XXXX XXXX XXXX XXXX will be updated. Your continued use or access of the XXXX XXXX XXXX is your agreement to these changes. 

For more details, please review the XXXX Summary of Updates and access the full upcoming XXXX XXXX XXXX Addendum to the Wells Fargo XXXX. 

If you have questions, please send us a secure email. 

Thank you for being a Wells Fargo customer. 

Wells Fargo Online Customer Service XXXX XXXX XXXX XXXX XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 

Wells Fargo Bank, N.A. Member FDIC. 

Please do not reply to this automated email. 
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 2020-12-08
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
-Deposited XXXX $ @ XXXX outside atm on XXXX -ATM began deposit process but did not credit funds to account due to system error. 

( EVENTS DURING TRANSACTION : INSERTED CARD, ENTERED PIN, SELECTED DEPOSIT OPTION, SELECTED DEPOSIT CASH, DEPOSITED CASH, MACHINE BEGAN COUNTING INSERTED FUNDS & DISPLAYED ITEMS BEING PROCESSED MESSAGE FOR APROX. 5-7MINS, MACHINE MECHANISM ENDED COUNTING AUDIBLY, DID NOT PRODUCE RECIEPT, ENDED CYCLE, REDISPLAY WELCOME & SCREEN TO BEGIN A NEW TRANSACTION ) -upon arrive to my home, I Immediately contacted NFCU and informed them about the deposit. 
-was told a dispute was created, and that I would receive a provisional credit within 10 days if the dispute was not completed. 
-I attempted and was not unable to be retrieve a copy of the dispute nor any documentation on this investigation. 
-recieved credit on XX/XX/2020. 
-nfcu began was reversal of provisional credit on XX/XX/2020 although my funds are insured under agreement with bank. 
-account now in negative status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted Amerisave on XXXX XXXX 2020, to refinance my house. I have XXXX FICO score, high income, low loan to value. The loan officer took all the information, provided me with a disclosure, 2.5 % interest rate and {$2400.00} for fees, took all my documents, and when I asked in XXXX to lock my rate and fees, he would promise on a weekly or daily basis that he is on it and it will be done in a day, in a week, then he started ghosting me. I contacted his manager, and he promised to remove the processing fees and the small partial point for all the trouble and lies his subordinate had given me, and to lock my rate within 3 days. This was based on the XXXX XXXX, and the original disclosure. He started then not to respond to my daily, weekly emails and ghosted me. Then I contacted the director, and he promised to honor the disclosure and to lock my rate and fees as was promised and apologized. He continued promising me this for another 2 weeks. Later another disclosure was presented with a different rate of XXXX and and $ XXXX of fees and when I asked him if this was a joke, he said this is what he can do. He provided a rate based on that day, instead of what he and his other 2 subordinated had promised. He said they learned a lot of lessons and they will correct those, but I do not believe anything he says. He just enables his subordinates to conduct in the same unethical manner and hurt any consumer for their own gain. I have all the emails, dated disclosures and unluckily, did not record the phone conversations. How can these crooks get punished and out of business for their unethical behavior and hurting consumers?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: PNC Bank N.A.
State: GA
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 a loan with PNCBANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PNCBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello i sent multiple letters out to XXXX and XXXX about these inquires on my report but noone has gotten back to me yet on my XXXX account i have 4 inquires and on equaifax i have 17 thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from 2016 and i have no idea what they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 I walked into the Citibank branch located on XXXX XXXX XXXX XXXX with a cashier check in the amount of {$15000.00} from XXXX XXXX. XXXX was the banker who handled my account and who took my check. He assured me I would be able to come back on XXXX XXXX and retrieve funds from that account. When I went into the bank on the XXXX XXXX Citibank told me that the cashier check was no good and they froze my 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 2021-02-25
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:
Experian Report dated XX/XX/XXXX, XXXX shows I'm late XXXX, XXXX, XX/XX/XXXX. This report also shows I'm was late XX/XX/XXXX. 

Experian Report dated XX/XX/XXXX, now shows I was on time all of XXXX. They completed deleted my late payments. And this report states I was on time XX/XX/XXXX. 

Why does this company keep changing my past due dates? 

More recently, after my dispute with Experian dated XX/XX/XXXX, they changed the date this account was first reported, from XX/XX/XXXX to XX/XX/XXXX. Again, why does this company keep updated and changing the dates on my report? 

Furthermore, not XXXX nor Experian have supplied me with the information used to verify and validate my profile the way it is being reported to the credit bureaus. In addition XXXX states they no longer are in possession of this loan. If they are no longer in possession of it what do they keep incorrectly updated my file? 

Lastly, this account and case was dismissed by a Florida judge because after 11 months they refused to submit any documentation that substantiates their claim that I was in breech of a contract. 

This matter has been escalated to Florida Attorney General XXXX XXXX XXXX Consumer Protection Division and I'm actively interviewing attorneys to proceed with litigation.

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 2018-12-04
Company: PNC Bank N.A.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello and greetings : I am a customer with PNC bank. in XX/XX/XXXX/XX/XX/XXXX I experienced difficulty and was advised by PNC to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, PNC was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with PNC and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with PNC and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to PNC reporting me late on XXXX payment etc I began to contact PNC. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the PNC headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my 3 PNC accounts reported on my credit file. I am not late in XXXX nor after the written accord between PNC collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to PNC with all late fees paid as well. 
My thoughts is that PNC should not be reporting me late and should be practicing due diligence pertaining to me account and PNC XXXXredit reporting ... My question for this bureau is what do I do from this  point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by PNC and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect PNC to reflect my timely payments and credit worthiness. PNC has cost me enough duress and loss of enjoyments ; now my intention is to communicate to PNC that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian hasnt reported or updated any payment history or account balance for the month of XXXX for my XXXX XXXX account XXXX Experian is only reporting a old balance for the month of XXXX and nothing is reported for XXXX. 

My XXXX finance balance is currently {$1100.00}.

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 2021-03-01
Company: EQUIFAX, 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 request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, I XXXX XXXX XXXX, come with peace regarding Account number : XXXX. This letter is to inform you that I invoke my right to discharge this obligation pursuant to Leviticus 25:10, Psalms 119:160, Isaiah 66:1, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. PORTFOLIO RECOVERY ASSOCIATES, LLC the debtor acting as Debt Collector, is making claim against XXXX XXXX XXXX, ESTATE, the Creditor. PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of Title 15 USC 1692e. ( 1 ), ( 2 ) ( a ) ( b ), and ( 10 ) NOTICE OF SURETY ACT & BOND No. XXXX XXXX XXXX XXXX XXXX. See Maryland Department of Assessments and Taxation UCC File # XXXX and Instrument No.XXXX Recorded in XXXX County real estate records viewable at XXXX. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts PORTFOLIO RECOVERY ASSOCIATES, LLC may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX of 2019 a person by the name of XXXX XXXX XXXX XXXX  and transaction on my account which is referenced transaction ID number XXXX in the amount of XXXX off of my AmEx serve card using XXXX. I would like full reimbursement of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to file a complaint against the noteholder and servicing company for the mortgage on my primary residence. 

Im attaching supporting documents and letters for review as well. I believe I am a victim of mortgage fraud from XX/XX/XXXX and am still suffering from that experience. I filed for chapter XXXX bankruptcy in XX/XX/XXXX and the since the house was my primary residence it was discharged in the bankruptcy. 

I have been trying to get a loan modification for over 5 years that would bring the mortgage amount to at least to the fair market value. 

One of the issue appears to be valuation reports sent to me by the lender. The reports are biased in favor of the note holder. The comparables used are extraordinarily high and located in a much more desirable areas. They show an appreciation of over 33 % in 18 months which is impossible. 

I have made three monthly payments and each time the lender has returned them. They are claiming Im behind in my payments even though I have sent them in. 

More recently, SPS has retained an attorney and threatening to foreclose on the property. They offered a payment plan that was too exorbitant given my income. I have sent in the last three payments and they keep sending them back. They are demanding a lump sum of over {$29000.00} instead of agreeing to a loan modification with affordable month payments. 

Please refer to the attached letters and documents that show all the issues and correspondence from the loan I am reaching out to anyone that can help me resolve this issue since I do not want to lose my home. We really need the noteholder to agree to a loan modification so that we can have monthly payments affordable with our income as shown on our tax returns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Since XXXX a hacker entered my account in Bank of America and stole my identity and cloned my debit card the hacker made various purchases through a company named XXXX with XXXX and I explained to the bank that my account got hacked and they sent me a new debit card and I didn't authorize any purchases and the bank argue that I authorized 2 transactions for on XX/XX/XXXX but I wasn't me also my phone got hacked as well. We made 1 claim with the bank, and they refused to settle the claim and refused a reconsideration. Also, we sent an email of the evidence and mailed the pictures of everything that Bank of America sent to my phone. They closed the claim and refused to pay us the amount of {$7600.00}. They haven't sent proof of the transaction that I supposedly approved. I told them that it was the hacker who authorized the transaction and not me. The bank also told us that it was 26 transactions made from XXXX and I didn't authorize any of them. I never received any notification of any fraudulent activity and I felt unhappy with how the bank escalated this matter. Also, I don't feel secure using them in the future. They didn't protect me as a customer.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX XX/XX/2018

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 2023-09-27
Company: OLIPHANT FINANCIAL, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Talked it over with a court appointed mediator to resolve the issue with a specific amount agreed upon. Then next I receive documents to sign that doesnt reflect to what we settled with including an outrageous amount of compound interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$0.00}, {$6800.00}, {$2100.00}, {$0.00}, {$910.00}. 
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 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

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

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$910.00} -This is not my account.

Company response to consumer: Closed with explanation