BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/23 - attempted to deposit {$450.00} at Wells Fargo ATM. ATM said it could not accept the bills. Returned one {$50.00} bill. Did not return the remaining {$400.00}. ATM froze and did not return debit card either. 
Went inside to branch - no help. Handed card with standard Wells Fargo phone number. 
Called. Filed claim. Representative would not credit more than XXXX cent to my account. Asked if I would be reimbursed for penalties acquired due to lack of funds in the account for upcoming bill withdrawals. She did not provide an answer. 
It has been one week and I have received no update on my missing {$400.00} deposit due to no fault of my own.

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 2018-05-17
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
this is a continuation to the complaint that CFPB just closed. The Federal Student Loan stole over {$600.00} from me by applying to take that amount from my Federal Tax Return for XX/XX/XXXX that I was due back this year. They sent you, CFPB the paperwork stating as of XX/XX/XXXX I only owned XXXX to pay off the loan and yet applied to the Federal IRS and took over XXXX of my federal tax return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a series of payments in the {$250.00} range and PNC bundled them together when they posted, making it impossible for me to accurately reconcile my account and track my payments. I filed a CFPB report on XX/XX/2018, and the company responded on XX/XX/18 by providing me WITH THE EXACT SAME DATA that I already possess -- the data that I am attempting to clarify. My issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, and thanks for your help. According to my credit card statements from Citi in XX/XX/XXXX through XX/XX/XXXX, I earned about XXXX XXXX points with the XXXX XXXX  XXXX card, opened XX/XX/XXXX. However, these points have not shown up in my XXXX account. After many phone calls with customer service representatives at Citi and XXXX, the problem has not been solved, none of the points I earned are in my XXXX account, and my case has not been passed along to service reps who have the resources to help. 

Summarized timeline : On XX/XX/XXXX ( 3 months after earning the points as verified on my credit card statements ) I called Citi and gave my XXXX account number to verify they are putting points in the correct account. The rep told me, presumably after making some change in the system, to wait and check if the points appear. They didn't. Meanwhile, XXXX phone reps were unable to see my earned points or track down if Citi had sent me any points for the past half year. XXXX guessed I should make a new XXXX account in case my old account is broken. On XX/XX/XXXX I created a new XXXX account and called Citi to give them the new XXXX Member ID and asked that all my earned points be moved into the new account. Citi said they'd escalate the case and contact me with the resolution. Citi has not contacted me. Half a year after earning rewards, I have not yet received any.

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 2018-05-17
Company: Convergent Resources, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I obtained a copy of my credit reports and noticed that XXXX XXXX was reporting a derogatory entry to the bureaus. Prior to this date, I had not received any documentation from this company informing me of the alleged debt. To that end, I drafted a dispute letter to them ( see attached ) whereby I was in essence disputing the validity of the alleged debt they inserted on my credit reports. I requested that they provide me a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges, and date of charges posted, copies of any papers that show I agreed to pay what they were alleging I owed. To no avail. I did not receive any communication from them. 

In XX/XX/XXXX, I again disputed this account with Convergent requesting they provide the aforementioned information. Again, to my dismay, I did not receive any correspondence from the company. I then disputed with the bureaus again, only for the accounts to be verified. I am confused on how the bureaus are able to receive a response from them but I am not. My communication was sent certified with a return receipt and they have been in receipt of both letters, yet choose to not respond. 

These entries appear to be unverifiable, untimely and inaccurate ; therefore, they should IMMEDIATELY BE DELETED FROM MY REPORTS!

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 2021-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I lost my debit card and informed USAA. After that someone was depositing and cashing fraudulent checks with my account. USAA held me accountable for the debt without telling me why. I have been trying for months to get a straight answer and all I get is to be out on hold for hours and then no answer or resolution. I have requested a copy of the investigation and still none has been provided. They have since reported me to early warning system. Due to the lack of assistance my family paid the debt and its been over two weeks and they still have not lifted the hold with early warning system. This hold is making it so I cant open a checking account for direct deposits. In 1 week I called USAA 3 times and got put on hold and no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/2018 ), Experian has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXX  XXXX never late XXXX/XXXX  & XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX  XXXX never late XXXX   XXXX never late XXXX  XXXX never late

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 2018-09-30
Company: WELLS FARGO & COMPANY
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX I borrowed money from XXXX XXXX in the city of XXXX Virginia {$20000.00} and was coheresd into a home equity line of credit with as a separate account away from the line. I borrowed some money from the credit line and paid money back to it, I didnt get a single monthly statement until XXXX when WellsFargo absorbed XXXX, the statement claimed I took {$59000.00}, the maximum I could have taken. I froze the account and began trying to find out where the money went. There is no paperwork for the first two years non of the withdrawals or deposits I made are mentioned, They, wellsfargo, have the original agreement and the statements beginning when they took over but that is all. And have stalled me off for 14 years while I pay them interest or rent on my own property. I cant find any one to advise me. The bank promises to do some thing, and I wait but then act as if this is the first time they hear about this, I have been to several bankers and talked to the main office who just sends out the statements I already have. Not the first two years when the money Was allegedly taken. Help me fight this giant. I want all my interests payments back and to know who stole my home equity. Cant find an attorney or adviser.

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 2019-03-07
Company: Credit Karma, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX reported my credit score as going down 85 points because I paid my credit card off. I called XXXX and complained because this happened before and I filed a complaint on XX/XX/2018. It took weeks to get it fixed. I called XXXX today and they told me that the credit score that Credit Karma is showing for me is not their credit score for me. So, if that is true, Credit Karma is showing the wrong score and I fear they are doing so to get me to take out more credit cards. Also, I received a called from XXXX telling me a fraud was placed on my social security number and that I needed to call XXXX immediately. 

I am concerned because my mortgage loan is currently in the underwriting process and I am unable to know what is going on because of these current actions. Also, since underwriters check fraud records during their approval process, I fear that a scammer has gotten my information while that report was being run. Also, I am concerned that Credit Karma is showing me incorrect information on my account. 

Please invesitgate to help me and others. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions 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 never had this account and documents was submitted too me too verify who and where this service was and know identification was show too verify this was me or sign contracts. I did of dispute before for XXXX XXXX XXXX and all the accounts was remove from my credit. Now of collection company is reporting some of the same accounts that was was disputed and remove and identify protections was put on my credit because of these dispute. Experian calms they submitted proofseen me the proof so I can sue this company for help stealing my identity and holding me responsible for someone else debt. Its not fair people can steal your identity and credit reporting company with out know proof put miss information on your report. I never received know information about this debt from know one. I just got of alert saying I have of new collection item on my credit report. Experian needs too explain and show me proof of this debt or they will be added in my law suit also.They are valeting my rights that are due too me.

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 2023-02-24
Company: Early Warning Services, LLC
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:
Early Warning Consumer reporting is providing false information to the financial institution and depriving me of my right to open a bank account with the financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: EQUIFAX, 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Paypal Holdings, Inc
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Preface : The matters outlined herein delve into the multifaceted intricacies of financial transactions and roles. For a holistic understanding and apt resolution, we recommend that this complaint be scrutinized by personnel possessing a deep-seated knowledge of financial nuances. 

I. Issue 1 : Mischaracterization of Roles. 

Description : PayPal has inadvertently conflated the roles, erroneously designating the complainant as the principal debtor when they are in fact a third-party surety. This error breeds confusion concerning the distribution of responsibilities between PayPal and the genuine obligor. 

II. Issue 2 : Ambiguity Surrounding Financial Instruments. 

Description : While the mainstream perception is that entities like PayPal proffer credit to be repaid subsequently, in a specie-devoid economy, a plethora of negotiable instruments exemplified by securities like T-bills, commercial paper, money orders, CDs, drafts, cheques, and bank drafts can be liquidated. Although this practice might align with current regulations, its underlying intricacies have been obscured, potentially leading to misinterpretations.

III. Issue 3 : Nuances of Security Interest and Subrogation Rights.

Description : PayPal retains a security interest as per the agreement. Ideally, this interest should actuate the settlement of the principal debtor 's obligations through assets, notably securities, from the debtor 's estate. Moreover, the right of subrogation, which may allow the third-party surety to substitute certain rights in lieu of PayPal after addressing the debtor 's commitment, remains ambiguously defined. This pervasive security interest, active irrespective of a default, suggests unforeseen implications for the surety, particularly concerning potential subrogation rights.

IV. Issue 4 : Comprehensive Transparency in Investment Reporting.

Description : While PayPal engages with a myriad of financial instruments, its disclosures during stakeholder meetings seem to lack granularity, prompting a more in-depth review. 

Note on Prior Communication : Engagements have been initiated with PayPal 's legal department about specific unfavorable conditions in the contract, especially the clause conferring them a security interest. Though a direct alteration to the contract was deemed infeasible by PayPal, an appeal for a mutual equitable arrangement was proffered by the complainant. A conclusive response to this proposition remains outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
XX/XX/2022, At the airport in XXXX, XXXX, I was charged two transactions without knowing it.One amount was {$5600.00} the other amount was {$3000.00}. I did not make any purchases and I did not know the person who charged this money. I checked my bank account that night and found these two transactions. The total amounts exceeded the credit limit and I did not receive any alert when it happened .I called the bank to report it immediately and asked for a rejection, the representative asked me to wait until the transactions was post then called to dispute, and said that I didn't need to worry about it and assured that the bank will investigate it. 
I called multiple times and the fraud department denied my appeal

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 2018-02-26
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed for a checking account with M & T bank. I signed up in person with a paper coupon that was emailed to me. The coupon ( XXXX ) stated that if I open the account and have direct deposits of {$100.00} or more I will receive a bonus of {$200.00}. I had confirmed with the bank that i had met all the requirements. Then when I asked when the bonus will be posted the reply was to wait 45 days. After 45 days i asked again. The bank informed me that I did not qualified. Even though I have coupon and was already told that I have met all the requirements I still have not received the sign up bonus.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I HAVE NOT BEEN ABLE TO VIEW MY TRANSUNION CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON TRANSUNIONS SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : 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 explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX and the XXXX XXXX XXXX XXXX. 

I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give Transunion a chance to resolve this issue. I filed a re-investigation, and still to no avail Transunion and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.

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 2020-07-27
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiry : XXXX

Company response to consumer: Closed with explanation