BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my 3rd complaint for the same issue with Wells Fargo Mortgage. 
Wells Fargo has misappropriated my funds. As of XX/XX/XXXX, I called into Wells Fargo and paid {$1600.00} for the storage of my escrow while on a modification trial. I was informed by my case manager XXXX XXXX, XXXX XXXX, and an Executive Office Case Specialist XXXX XXXX case # XXXX in writing that my funds would go toward the escrow storage and all I needed to do is make up the difference for the trial period as the end all funds would be applied appropriately, and my payment would be under {$880.00}. I filed a complaint with CFPB Wells Fargo sent in the following response below : Thank you for the opportunity to address the concerns about the trial plan payments and final modification figures. We've reviewed your concerns and are providing you with details about our findings. The escrow shortage payment made in XX/XX/XXXX was applied to escrow as intended. The trial plan payments were required to be made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We found you were given inaccurate information during the XXXX conversations you had with our home preservation team in XX/XX/XXXX. You were advised you didnt need to pay the XX/XX/XXXX and only a portion of the XX/XX/XXXX trial payment. We apologize for the misinformation you were given and have remediated the account in the amount of {$1600.00} so that we can issue new modification documents to properly adjust the account as you had intended and what you were told would happen. Here are important account details we'd like you to know. We will be applying the {$1600.00} as trial payments and will be drafting new modification documents. You may be required to make a XX/XX/XXXX payment. We will monitor this until the new documents get released. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

Wells Fargo stated they would Draft new Documents but sent the same exact documentation with a different date, now I am being told they are not changing the amount of and are allowed to ask for additional amounts for a cushion on in my escrow which is 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 2023-05-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, XXXX XXXX  I received an email from a scammer claiming they were my title company and the email looked completely legitimate telling us how to send wire for our closing cost on a home we were purchasing at the time. After wiring the money and then finding out a few days later that it was a scammer that got the title companys information and our personal information and email and knew exactly what our closing costs were. I then called our our bank Wells Fargo to submit a fraud claim and retrieve our ~ {$8700.00} they told us we had to wait 10 days for the investigation to happen and then we would get out money back. Since then Wells Fargo has not been cooperative and has told us they will not do nothing to get us our money back. 
Reference # 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 2020-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of my Identity theft Affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America Fraud Department My card was used to make two fraudulent purchases. 
XXXX XXXX portable generator and soft drinks -- {$920.00} XXXX XXXX stations -- {$69.00} On XX/XX/XXXX B of A sent out a new card that we never received. 

Attached you will find the XXXX XXXX receipt from store XXXX where my stolen card was used to purchase a XXXX XXXX portable generator and soft drinks. This XXXX XXXX store has video at their registers that can provide the identity of this thief. 
Date : XX/XX/XXXX Time : XXXX XXXX  Cashier : XXXX I have never been to this XXXX XXXX store except to research their records that shows this was the only purchase made at this store on my card. 

I also attached a copy of our purchases from XXXX XXXX stations that show we never purchased gas over {$48.00}. Our car is a XXXX XXXX and only holds XXXX gallons of gas. 

The XXXX road Post Office has indicated that mail has been stolen from several residencies in the neighborhood and is also asking locals to be on the lookout for suspicious people.

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 monetary relief
Consumer complaint received 2023-02-12
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received and email on XX/XX/XXXX that my statement was due for Genesis FS Service and i never applied for a card with them. Upon speaking to customer service someone opened and account with my information at XXXX XXXX XXXX. I have requested for the account to be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: PREFERRED CREDIT INC
State: CA
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 provided police reports. Someone open an account with Preferred Credit. I didn't authorize this account. This is fraudulent and needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: National Credit Systems,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: Account status incorrect

Complaint:
From the year of XXXX 2020 I lost hours and my apartment would t work with me I owe XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX  Last reported XX/XX/XXXX {$630.00} Open balance XXXX XXXX XXXX XXXXK XXXX XXXX A Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me. I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance-

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXXXX/XX/2022

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 

XXXX. XXXX XXXX  ( XXXX, XXXX, 2022 )

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 2023-06-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made an online order at macys.com on XX/XX/XXXX ( golden necklace, order # XXXX, total amount of the item with the tax and shipping is {$1800.00} ). The purchase was made with Macys credit card. Since it is an expensive item, I chose a paid shipping option, though the free shipping option was available. The order was shown on the XXXX tracking site as delivered on XX/XX/XXXX, but this order was never actually delivered. Macys shipped an expensive item without signature requirement. XXXX shows the package as left with the concierge on XX/XX/2023, but there is no concierge at the building. I informed Macys immediately regarding the missing order, they informed me that they started the investigation. 
On XX/XX/XXXX Macys Customer Service informed me via email that We do show your package is still on its way but was delayed unexpectedly. Please allow us up to 16 days to investigate the location of your order. You will receive an email of the outcome of the review once it has been processed. The email printout is attached. 
I never received the promised response with the outcome of the delayed item ; thus, I followed up and received the response that my request was denied. Ultimately, I am left with a credit card charge of {$1800.00} and I have never received the item. 
The timeframe for this case : XX/XX/2023 order placed on macys.com XX/XX/2023 XXXX shows order as delivered, left with the concierge. 
XX/XX/2023 I informed Macys on the issue via customer service chat. 
XX/XX/2023 I sent an email to Macys customer service, since I never received the response on the investigation that was started via Macys customer service chat. 
XX/XX/2023 Macys customer service sent me an email saying that the package is still on its way but was delayed unexpectedly. ( printout attached ). 
XX/XX/2023 Macys customer service sent me an email saying that the package is still on its way but was delayed unexpectedly. ( printout attached ). 
XX/XX/2023 I submitted a dispute on transaction with Macys credit card,- there is no answer and I assume there will be none since it is the same company XX/XX/2023 I sent an email to Macys customer service to follow up on the investigation. 
XX/XX/2023 - Macys informed me that my case was denied. 
XX/XX/2023 I tried to submit a claim on XXXX website for the non-delivered item, but XXXX informed that only the seller/shipper can submit a claim on that item. I have the printouts proving this, which I can share upon request.

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 monetary relief
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 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

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 2017-06-19
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I tried contacting the collection agency, but my certified mail was returned. I can not get in contact with the agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Agreement signed on XX/XX/XXXX at Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX tel number XXXX XXXX , XXXX XXXX is the person who I originally met and handled the paperwork and agreement. The agreement was that Bank of America would consolidate and pay three vendors outstanding balances. One of the vendors XXXX XXXX was sent a check dated XX/XX/XXXX written to XXXX XXXX XXXX XXXX.The check is check # XXXX in the amount XXXX on my behalf to pay off aXXXX XXXX credit card. XXXX XXXX uses XXXX as their bank. In a letter dated to me on XX/XX/XXXX from XXXX XXXX informed that they placed the check from Bank of America in a holding account because they were unable to identify the account number. indicated on the check that Bank of America sent. I spoke with Mr XXXX who is a Conumer Market Lender for XXXX XXXX County for Bank of America at XXXX today, last week and the previous regarding requesting multiple times for this issue to be resolved and for my account at Bank of America to be credited {$6700.00} since the check has not been received by XXXX XXXX.I have contacted by phone Bank of America at their 800 number XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX a credit card promotional analyst on XX/XX/XXXX at Bank of America. I spoke and lodged a complaint with the branch manager XXXX XXXX. All of the above have told me they are " working really hard on resolving this '' over and over with no specifics and no timeline.and no resolution and I am still having to pay both Bank of America and XXXX XXXX even though I am verbally told by Bank of America that while they try to resolve this I will not be responsible for the debt.. According to Bank of America XXXX even with proof of the check being deposited is not co operating with Bank of America to transfer the funds into the correct 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 monetary relief
Consumer complaint received 2019-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My purse was stolen with my social security and Id. Someone used my information to open an account. This is a fraud and I didn't authorize it. Someone open up a SYNCB/AMAZON account in my name. it's showing on my XXXX credit report..

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