BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo Bank closed account XXXX/XXXX/XXXX but unknown to me. I traced account to XXXX XXXX, XXXX with a balance of {$480.00} and noted activity fees as of XXXX XXXX, XXXX up to XXXX XXXX, XXXX. WFB asserted total fees of {$510.00} and managed to reversed {$300.00} of fees owing me a balance of {$210.00} A savings account surfaced during researching unknown ck account. The savings account traced to XXXX XXXX, XXXX to XXXX XXXX, XXXX with activity fees total of {$290.00}. Wells Fargo Bank failed to disclose non active status of both accounts to account holder all these years. Both accounts deemed dormant but WFB kept asserting fees to wipe out small balances remaining for years.

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 2022-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My checking account was hacked into on XX/XX/XXXX and there were multiple purchase transactions to my account with m debit card. When there was no money left in the account the hacker pulled {XXXX} from a joint checking account that I have and also did a telephone transfer of {XXXX} from my XXXX card. I contacted my bank immediately on XX/XX/XXXX and filed a fraud report for the transactions in my checking account. The credit card was not included in this complaint as it required to go to another department. When I was told this in XX/XX/XXXX I then contacted the credit card fraud department. At first they refunded the {XXXX} advance and removed all related fees. Then they reversed them back out and said that we were responsible for paying back the credit card as the {XXXX} was in my checking account which is was not the hackers had used that money as well. I appealed the first notice of the claim in XXXX and on XXXX XXXX received another letter that the case had been closed and they found that there had not been any fraud. I called again today and asked to have a copy of the recorded phone transfer and was told I could only get that information by court order. I have filed another appeal and provided great details to the person that I spoke with today. I can provide the transactions that occurred on XX/XX/XXXX and am certain that myself or my wife did not make a telephone transfer of funds from our credit card.

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 2022-03-30
Company: Solar Mosaic LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Hi, My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX Texas XXXX. The nightmare begins XX/XX/2021 when I agreed to solar energy with a company XXXX who is now out of business and their lender partner Mosaic XXXX XXXX for solar energy systems. In XX/XX/2021 XXXX sent a group out to install panels on my roof and that was all, they locked me with the panels and I was paying in good faith thinking I was going green here in the near future but it turns out that theirs been no permitting done not anything but the holes in my roof now! I've waited and waited for them to return, I've called left messages I've reached out to XXXX  numerous times in email and by phone and no response. I've tried to go through Mosaic to try to get through to XXXX and nothing. Mosaic has sent me to collections for default but both XXXX and Mosaic are the ones in default. I've asked Mosaic to cancel the loan but Mosaic is telling me that I have to cancel through XXXX ( why!?! ) who is now out of business and has left no line of communication to even try that. My credit score has been impacted by this scam and fraud ordeal and I now receive these letters from Mosaic about being in default under the Solar Loan Agreement and that they reserve the right to disable my solar equipment THAT I NEVER RECEIVED! and now like I mentioned my credit has been negatively affected and I should not have to pay for something I never received and I believe that this should be removed from my credit report as soon as possible. Please help me in getting this resolved. I've reached out to all 3 credit bureaus already in the attempt to clear myself and to just make a claim in my defense. So my hopes are to be cleared of the false claims by Mosaic to the credit bureaus that I'm in default and to get loan with Mosaic cancelled for breach of contract. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
* I received an email ( on XX/XX/XXXX ) from CitiBank that my account is closed due to 'Inactive for continuous 24 months as per the card agreement. ' * Last transaction was on XX/XX/XXXX ( {$75.00} XXXX and last payment activity was on XX/XX/XXXX ( 16 month ago ), less than 24 month per the card agreement but yet, CitiBank closed the account. CLEARLY, THERE'S A BIG GAP BETWEEN 24 MONTH AND 16 MONTH. 


XXXX CITIBANK ALSO FAILED TO PROVIDE NOTIFICATION/COMMUNICATION AND FAILED TO REACH OUT TO CUSTOMER PRIOR WRONGFUL ACCOUNT CLOSURE ( EVEN IF INACTIVITY DID NOT PASS 24 MONTH ) * Spoke ( XX/XX/XXXX ) to customer service ( XXXX ) ( XXXX ), could not assist, unprofessional, need additional coaching and training. I asked XXXX and XXXX, why Citibank closed my account although inactivity did not pass 24 month, neither could answer, but stated that Citibank has right to do so. I also asked XXXX to provide any communication sent out to me regarding account inactivity prior account was closed, but XXXX could not provide any proof. This is clearly a ABUSIVE BUSINESS PRACTICE of major bank where INTENTIONAL ACTION can be justified all the times, as if their right is being honored for any given situation and customers right 's are ignored, especially when America is going through COVID19 situation. I am sure that Citibank 's response will state that Citibank closed my account due to inactivity, stated in customer agreement, but fail to address the fact that regardless of inactivity going on for less than 24 month, Citibank closed my account anyhow. 


* In order to reopen the account, Citibank will pull my credit XXXX hard inquire as if I'm applying for new credit card ) and process. 


XXXX Citibank should not have closed my account since inactivity did not even come close to 24 month. 


XXXX The question is simple, on my account, did inactivity occurred passing, more than 24 month? If not, why did Citibank closed my account? Citibank should reopen my account per error made by Citibank. Wrongful account closure. I expect to see reasonable explanation from Citibank, rather than saying account was closed due to inactivity. Consumer Financial Protection Bureau should be actively involved in this case, asking Citibank a very question of why Citibank closed my account even if inactivity did not pass 24 month.

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 2019-04-20
Company: EQUIFAX, INC.
State: MO
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 didn't realize that being a victim of fraud would take me through some many challenging obstacles such as fighting this hard to redeem my true identity back. The credit reporting agencies are still reporting unverified, unauthorized accounts inwhich is unconstitutional and against the consumer laws of the FCRA. I will be also filling with the FTC if this is not corrected immediately. I've written to all 3 of  the major credit agencies to provide me with the Method of Verification, inwhich should include a certified physical signed contract and mailed to me. However, if this can not be vertified by these means then this accounts shall be blocked from my credit report immediately and permanently. The accounts I'm demanding to be removed are : 1 ) XXXX XXXX XXXX 2 ) XXXX {$71.00} 3 ) XXXX XXXX XXXX   {$680.00} 4 ) XXXX {$72.00} 5 ) XXXX XXXX XXXX {$30.00} 6 ) XXXX   XXXX {$140.00} 7 ) XXXX XXXX XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 didn't realize that being a victim of fraud would take me through some many challenging obstacles such as fighting this hard to redeem my true identity back. The credit reporting agencies are still reporting unverified, unauthorized accounts inwhich is unconstitutional and against the consumer laws of the FCRA. I will be also filling with the FTC if this is not corrected immediately. I've written to all 3 of the major credit agencies to provide me with the Method of Verification, inwhich should include a certified physical signed contract and mailed to me. However, if this can not be vertified by these means then this accounts shall be blocked from my credit report immediately and permanently. The accounts I'm demanding to be removed are : 1 ) XXXX XXXXr XXXX 2 ) XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX   {$XXXX} 5 ) XXXX XXXX XXXX {$30.00} 6 ) XXXX XXXX {$140.00} 7 ) XXXX XXXX XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
RE : NAVIENT STUDENT LOAN SOCIAL SECURITY NO XXXX ; Account # XXXX Hello : Navient Student Loan Company has mistakenly listed my student loan amounts due, twice, thus doubling my balance from approximately {$150000.00} to approximately {$300000.00}. 

See the attached. 

They also have not sent my invoice for the next student loan payment amount, purposefully so that I default and have to pay additional " collections fees. '' Please investigate and advise. 

cc : Pennsylvania, New York & Delaware Attorney Generals, US Department of Justice, Delaware XXXX XXXX XXXX Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had a tXXXX credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called XXXX XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit. 
I then received a letter from ERC a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that XXXX reduced my credit limit from {$1500.00} to {$300.00}! 
I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair. 
I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the XXXX main credit reporting agencies ( XXXX, XXXXXXXX XXXX XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-05-30
Company: EQUIFAX, INC.
State: OR
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 just got an alert that a new vehicle by XXXX has shown up on my Equifax report. This vehicle is owned by XXXX XXXX-XXXX  XXXX and not me personally. The vehicle is not in my name and not registered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: Experian Information Solutions Inc.
State: WV
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:
I wrote a letter to Experian on ( XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 15 accounts : 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 ) I received a response letter XXXX stating that these accounts have been verified as accurate and updated. Which again is impossible due to the account numbers containing " X 's ''. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid.

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 2022-03-30
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went on XX/XX/XXXX to inquire about a car, I mind you on my old lease, I still had 10 moths left on my lease, I fill like they had a motive the whole time, they told me they would buy me lease out they did not and they attached it on this lease and I feel like they screwed me put me in a 4 year lease for {XXXX} and he also did fraudulence by putting I was on the job for a year and I wasnt, I was only on my job for 4 months. I could have kept the car I already had because he claimed I would not see any good rebates on my car, I feel like I did not get a good deal, he screwed me for a car sale due to the car dealership was giving this car to XXXX XXXX schools and jacked the price up on me, the dealer ship also stated they didnt have any inventory, no cars were coming in but screw a long term customer to help pay the bills, that is not the way you do things, XXXX will never get my business ever again they can not be trusted on no levels, I seen on XXXX they have a lot of complaints on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Winklevoss Exchange LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am filing a complaint against the following crypto currency trading company : Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX Floor XXXX XXXX NY XXXX e-mail : XXXX Phone : XXXX ( XXXX ) XXXX My complaint is that the company has frozen my trading account twice without explanation or justification. The first time was on XXXX XXXX  and it took 5 days to resolve. The most recent incident occurred on XXXX XX/XX/2021. It has not been resolved. Since my account is frozen, I am unable to access my account which is worth a significant sum of money. This means I can not buy or sell crypto currency when the price rises or falls. It also means I can not withdraw my money. This could easily be considered a case of theft since Gemini has deprived me of the use of my property. 

Numerous, daily e-mails have been sent to their customer support desk. No response has been received. Ive also contacted their customer support team on XXXX, but again no response has been received. Gemini does not list a phone number for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used chat to explain the issue to Capitol One on XX/XX/XXXX (I have a log to attach). In short, I was unable to log into the credit card online account because the password that I had was no longer correct. BEFORE I contacted the company, I was able to reset the password and gain access. I was troubled because I was sure that neither me nor my wife changed the password. Moreover, when the password is changed, an email is sent that tells me that it was changed. I had not received such an email, which further raised my concerns. I contacted Capitol One through a 'chat-agent'. I requested the date of the last password change. I am NOT the primary account holder, that is my wife.They refused to tell me the date of the last password change (prior to the one I just did a day before-XX/XX/XXXX). I then explained to them why I still needed to know more. You see, I change the password the day before using: Her SS#, her DOB, and the Zip code. These items would be readily available to anyone who had the date from the XXXX  breach. I am concerned that ANYONE using this company's credit cards would now be at risk, as their security questions are too weak. They did assure me that they did not have a general failure in their system that would have lost/invalidated user passwords, so either: (1) The data field in their Database holding the password was corrupted; (2) Someone broke through their limited security to reset the password AND intercepted the email confirming the change (quite a trick);  (3) We inadvertently changed the password earlier in the month and just plain forgot. In that I use a password manager (1Password) even the 3rd possibility is unlikely. In any event, this is potentially an extremely important problem that can threaten the credit card accounts of any user of the Capital One scheme for resetting passwords.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In XX/XX/2022, I applied for a Venture XXXX credit card from Capital One, and the card has a {$390.00} annual fee. Capital One instantly approved the credit card and the Venture XXXX card was sent to my home. The last XXXX digits of my credit card account number are # XXXX. 

On XX/XX/2022, I attempted to use the Venture X card overseas and the charge was rejected. About an hour later, I received an email stating We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. I contacted Capital One Fraud Department and they asked me to submit the following items : 1. Drivers License ( front and back ) 2. Social Security Card 3. Proof of residence ( bank statement, utility, etc. ) After submitting the requested information several times, I submitted a letter to Capital One informing them to either re-activate my credit card, or refund me the {$390.00} annual fee and close the account. 

On XX/XX/2022, I learned that Capital One permanently restricted by card, which means I can no longer use the card. I have requested Capital One to refund me the {$390.00} annual fee. Despite putting in numerous requests and escalating the matter, Capital One is refusing to refund the {$390.00} annual fee. 

I am requesting that Capital One refund the {$390.00} annual fee since Capital One took a decision to permanently restrict my account.

Company response to consumer: Closed with explanation