BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I requested a 60 day ira disbursement from Merrill edge account number XXXX. They insisted the check had to be sent us mail and there was no ability to expedite. The check was drafted on XXXX XXXX but never arrived until XXXX XXXX. The check was payable to my house. Literally payable to my house, not me. Obviously I can not cash a {$56000.00} check payable to my house. 

I called Merrill and spent XXXX minutes on the phone asking how they would get my check expedited to me. They told me I had to fill out a form identifying them for the check sent to my house before they would return my funds and reissue the check. After a tense exchange, the operator pulled a manager on the line who said she would fix the problem as soon as I sent in the indemnity letter ( on behalf of my house ) she would get back to me with information on how I can help them expedite the check to myself. 

Its been nearly XXXX hours and no call back from Merrill. 

Theyre service line apologizes for slow mail and the receptionists all apologize for the delays in talking to them. 

At some point its intentional interference with getting the asserts Merrill holds back to their customers.

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 2020-09-15
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Experian Information Solutions Inc.
State: CA
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 NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, Experian, and XXXX. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.

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 2022-02-16
Company: BARCLAYS BANK DELAWARE
State: VT
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 has an account on my report showing missed payments from a Barclay 's account. I call Barclays and they say they have nothing under my SSN so they can not help. XXXX says Braclay 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like XXXX ruin a consumers credit with ZERO evidence? ) Barclays is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. XXXX says they need a letter from barclays who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX corporation ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.

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 2017-12-29
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XXXX XXXX, I authorized Navy Federal Credit Union ( XXXX ) to XXXX me a cashier 's check for {$9000.00}, taken from my savings account with them, made out to XXXX XXXX of XXXX, so that I could make a downpayment on a new vehicle. Because of tax issues ( this is a new plug-in hybrid, with expiring federal and dealer cash incentives totaling approximately {$6000.00} ) it was essential that I complete the transaction prior to the end of the calendar year. 
When the money did not arrive this morning ( XXXX XXXX ), I called XXXX to get the tracking number, and I was informed that the check had been mailed by USPS, not XXXX. At first they claimed that I had not requested the check be sent by XXXX, but then they listened to the audiotape of the conversation and discovered it was their fault, not mine. Then they told me that the only choice I had was to accept a cash advance on my credit card, and that they would then XXXX the new check, and then waive the cash advance fees once I returned the check they mailed to me. It is unacceptable that I would be required to take a loan on a credit card to fix XXXX  clerical error. Taking such a cash advance loan could negatively impact my ( perfect ) credit score. It is their error, not mine, so why should I have to incur the risk and trouble? In effect, my funds were made unavailable to me during a time critical need. As a result of XXXX incompetence I was forced to withdraw nearly all the funds available in another bank account in order to complete the auto purchases prior to the end of the calendar year without risking damage to my credit record or the loss of {$9000.00}. As a 40+ year client of XXXX, I am extremely angry at their failure to execute the simplest of transactions and their subsequent failure to take responsibility for same. Their actions reflect negatively on credit unions as a whole.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: GA
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:
ON XX/XX/XXXX I WAS GOING OVER MY CHECKING ACCOUNT AND NOTICED, THAT THERE WAS A WARNING SIGN ON MY CREDIT CARD STATEMENT. THIS WAS DONE LOOKING AT IT ON MY CELL PHONE. IT SAID THAT I WAS OVER MY LIMIT. SO I STARTED LOOKING AT THE CHARGES. THERE WERE 18 CHARGES ON MY CREDIT CARD THAT DID NOT BELONG TO ME. SO I CALL WELLSFARGO CREDIT CARD FRAUD DEPARTMENT, AND TOLD THEM THAT THESE WERE CHARGES THAT I DID NOT MAKE. I TOLD THEM THST THE LAST TIME THAT I USED MY CARD WAS AT THE XXXX XXXX XXXX ON XXXX XXXX, AT XXXX XXXX, I WAS LEAVING MY NIGHT JOB, GETTING READY TO GO TO MY DAY JOB AT XXXX XXXX. IN THE BEGINNING THEY GAVE ME MY MONEY BACK, THEN THEY REVERSED IT. THEY SAID, THAT MY CARD WAS PHYSICALLY USED. I TOLD THEM THAT THAT COULDN'T BE BECAUSE I HAVE MY CARD. THEY BASICALLY CALLED ME A LIE. THEY NEVER INVESTIGATED ANYTHING. ONE OF THE CHARGES ON MY STATEMENT WAS FOR A HOTEL IN XXXX, I HAD MY SISTER LOOK IT UP. WE GOT A PHONE NUMBER CALLED THEM THEN WENT DOWN TO THE HOTEL. I ASKED THE MANAGER, YOU GUYS DON'T CHECK ID WHEN CHECKING IN. HE SAID IT WAS DONE MOBILE TO MOBILE. THAT THEY NEVER HAVE TO EVEN SEE THE PERSON. IT WAS A SIGNATURE ON THE RECEIPT THAT DID NOT BELONG TO ME. SO THERE WAS A WELLSFARGO ACROSS THE STREET I WENT OVER AND SPOKE TO A BANKER THERE. HE REACHED OUT TO THE CREDIT CARD DEPARTMENT ON MY BEHALF, AND SUBMITTED THE DOCUMENTS THAT I GOT FROM THE HOTEL, VIA FAX. THEY DENIED ME A SECOND TIME, SAYING THAT THEY INVESTIGATED. DENIED ME AGAIN. SO I FILLED OUT A POLICE REPORT SUBMITTED TO THEM, VIA FAX. THEY DENIED IT AGAIN SAYING THAT THE CARD WAS PHYSICALLY PRESENT .I TALK TO SOMEONE FROM A DIFFERENT BANK AND THEY TOLD ME SINCE I FILED A POLICE REPORT THAT I CAN ASK FOR ALL CAMERS TO BE PULLED. SO ON XX/XX/XXXX I CALLED AND SPOKE TO A SHARETTAIN CLAIMS, AND ASK ALL CAMERS TO BE PULLED. I ASKED FOR PROOF AND DOCUMENTATION SENT TO ME. THEY TOLD ME I HAVE TO WAIT. I HAVE TAKEN OFF WORK TO TRY AND HANDLE THIS. IT IS VERY FRUSTRATING. I BEEN IN TEARS. PLEASE HELP!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX account # XXXX is reporting on my credit, however this debt was paid off five years ago. This is reporting incorrectly and the account should be deleted.

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 2017-12-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent several disputes to the Wells Fargo XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.

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 2022-02-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/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 2022-02-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/16 I contacted XXXX Bank via the number on my statement and followed the automated system directly to an option to request a payoff. Once there I was placed on a XXXX minute hold. The customer service rep ( XXXX ) revalidated all of my information and then offered to send a payoff via fax or standard mail, no email option available. I provided a fax number and was advised that I may have the payoff in an hour. My new lender requested that the payoff or additional documentation be provided noting that no further charges would be allowed and that the account was frozen/suspended until payoff. This request was met with confusion by my customer service rep who then offered to get me to someone to help. She transferred me after a XXXX minute hold to a licensed mortgage originator who absolutely could not help. The originator said that she could certainly get me where I needed to go placed me on hold and then terminated the call. 

Then to add insult to injury when I emailed XXXX to advise of my experience and avoid any more time on hold, nearly XXXX minutes invested into requesting a payoff, my email bounced back as undeliverable. I firmly believe that once I advised that the purpose of the request being for a refinance that the delays and misdirection started. I could not get a straight answer concerning additional fees related to the payoff, any penalties, closing fees, release fees, etc. All information that my new lender will need to properly process the refinance. What a miserable experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Midland mortgage they charging unnecessary charges, My house value went up by almost % 40 I called the company to appraise the house to take off the mortgage insurance PMI they refused even though the house extra value covers more than % 30-40 of the loan I have done the same with different mortgage company and different house and they sent an appraisal and they took off the mortgage insurance

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 2022-02-16
Company: Experian Information Solutions Inc.
State: VA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-16
Company: EQUIFAX, INC.
State: VA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am attempting to request XXXX XXXX for the year XXXX and XXXX. Freedom Mortgage outsourced my loan, unbeknownst to me, and claims they do n't have access to my records. I have called their company multiple times on XXXX & XXXX only to get different answers from them each time I call. They have given me the number tot he company which they claim has my information, a company I never signed paperwork with, yet every time I call that company and enter my personal information I get transferred right back to Freedom Mortgage as they 're my mortgage company! I tried calling the other company without entering my information and I am unable to get through to a persona and at one point stayed on hold for over one hour ( I can provide phone records ). 

I spoke with an escalations person at Freedom, XXXX, and she told me Freedom can not get my XXXX XXXX for me that I have to deal with this outsourcer even though I never agreed to allow my account to be transferred. 

The only time Freedom wants to speak with me is when they 're trying to get me to refinance my house, so they only able to help with sales calls, not service calls. 

Additionally, in XXXX they failed to perform a mortgage/escrow analysis for over one year as a direct result of them oursourcing my account to a third party. They claim it was n't their fault because they were n't handling the loan, but I opened the loan with them! 

It appears Freedom opens accounts with customers then sends their business to subpar vendors and washes their hands of any responsibilities to their customers. Yet they will make frequent sales calls to you.

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 2017-07-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
United Services Automobile Association ( USAA ) Federal Savings Bank debited my checking account twice for the same check number. I found the banks mistake quit by accident. when reviewing my monthly checking account statement i noticed the same check number processed twice for the same amount of money. The first time on XX/XX/XXXX for {$150.00} and second time on XX/XX/XXXX. I reported the banks error to them and they have since credited my account for their {$150.00} error. In conversation with the bank employees, they told me that this situation has been reported to them by other clients in the past. When asked if the bank every finds the mistakes, I was told NO, each time the client is the one who reports the error.
I asked how many times the mistake has been made in my account without me catching their mistake and I 'm out the money. They said there is not way of telling. They also told me that each month on my statement it says to review the statement and report any errors to the bank. That was the method the bank employee explained I should prevent this situation from occurring. I told them that a bank should have checks and balances that prevent this from ever happening. I do n't claim to know anything about the bank accounting best practices but I would think they have computer software that would prevent or alert them when this situation happens.
The USAA bank person gave me no assurance that it wo n't happen again.
After I reported their error, no bank person contacted me to say what caused the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a previous mortgage with Wells Fargo. So naturally when I applied for another mortgage, I went to them first. During the Preapproval process I was told my income had been verified, so I didnt need to send in tax returns. 

Once Id chosen a house and provided the team with the purchase agreement the service went downhill. There was little to no follow up. My processor XXXX  was very bad at communicating. I sent her income forms and she didnt turn them into the underwriting team and when she came back with decisions, I could never get the appropriate information from her. 

I, an XXXX XXXX  XXXX, would call her time after time and she wouldnt answer, but always answered for my XXXX XXXX  realtor. Shed promise to follow up and never did. Id even try emailing her boss XXXX, and she never once followed up. 

I never got a final decision on my loan and after spending {$1000.00} for the appraisal and inspection, I had to go to another bank, who financed me with no problem.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: OH
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 is flat out putting lies on my credit report and once again I have the documentation to prove it. Experian sends me an email ( check attached documents ) telling me that my credit score has just changed for the better. Well, that was a joke. I go to see my credit score and what's there is a fourteen-point drop. How is that positive? I am confused at this point? A positive change would've been my score going up or something that's actually positive being reported. This was definitely not positive!

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