BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: WELLS FARGO & COMPANY
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I had an 401k savings account with a balance of {$9800.00} approx. with Wells Fargo from my previous employer ( XXXX XXXX ). Once i was layoff i had to do a rollover from my XXXX Account to another bank Account under my name. On XX/XX/19 i called Wells Fargo Customer Service line and requested the rollover. Several months later i'd noticed the funds were not on my IRA Account and called Wells Fargo again to let them know what happened. The agent i spoke with said the transferred was done on XX/XX/19 to call the bank that manages my IRA account. When i called the bank for my IRA account i was to to request evidence from Wells Fargo showing the Date, Amount, Bank Account, and Routing # to do an investigation. I called Wells Fargo again to request the evidence and a call back from a supervisor. The supervisor 's ( XXXX, XXXX XXXX XXXX ) called back and told me the same info and that the evidence was going to sent which they have not done yet.

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 2019-07-12
Company: Experian Information Solutions 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:
My identity has been compromised and I have sent in a police report months ago and these accounts should have been removed. I also have an letter of incarceration inwhich proves I'm not responsible for these accounts nor do I have any contract with any of the following companies and asking that these accounts be removed immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX XXXX {$950.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: OK
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 disputed the alleged debt with Experian. I have sent two certified letters, which I will attach. Additionally, no information was provided to my by Experian. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Please provide me with the name and information used to verify my debt as accurate. 
The creditor is : XXXX XXXX XXXX. Account number : XXXX The original information reported and verified by Experian is not even correct. Not only do I NOT OWE XXXX  anything, but the are reporting incorrect 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 2020-07-11
Company: BANK OF THE WEST
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I was assessed an overdraft fee after transferring from one account to the other, to avoid the fee. After completing the transfer in line with the banks funds availability policy they have continued to assess a fee, even though the negative balance was below the threshold described within their policies. I tried talking to both the assistant branch manager at the XXXX XXXX branch in XXXX, who assured me that he would email me, yet I have heard no response. When reaching out to another branch, the manager simply stated he would look into it. After that I proceeded to call into the customer service line, I proceeded to get hung up on four times. After finally getting through I got an incredibly dismissive tier two rep who proceeded to incorrectly stated that another fee was due to merchant error when it was in fact an error with their transaction processing system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: FL
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:
I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter that was sent According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have the knowledge concerning any such items of information. 

They sate my accounts were verified but how could that be possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 

List of the accounts disputed : 1. The following account is not mine XXXX XXXX XXXX Acct # XXXX ... .Date Opened : XXXXPlease remove it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
3. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report.

4. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX 5. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The original purchase price of the house was XXXX and we put down XXXX. We were told by the lender that we would have to pay the PMI at first and by the second year it should be removed because we gave more than the 20 % down needed and therefore the ratio of what is owed and what the house is worth would be below the requirement to have it removed. Ive called the bank, Ive placed numerous requests and they say that they will charge the PMI for the next 7 years because thats what they are allowed to do. But now the house is worth XXXX through last view on realty website and we owe XXXX which is well below the 78 % requirement to remove the PMI. Even if the house still appraised at XXXX its still below the 78 % because we put so much down. We just want the PMI removed, thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX incorrect

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 2020-07-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was lost/stolen on XX/XX/2020. I did not realize it until late XX/XX/2020. XX/XX/XXXX I made arrangements with my employer to travel to Florida to get my social security, drivers license, and new debit card. I reported it to Wells Fargo on Friday XX/XX/XXXX. On Sat XX/XX/XXXX I was called by Wells Fargo that I was in overdraft on my account. I was then informed that someone had cashed 6 checks of {$950.00} each ( {$5700.00} ) under my name and had been returned unable to locate/ altered fictitious. ( Cashing 6 checks would trigger a red flag. ) Therefore my bank withdrew {$5700.00} from my account. I filed police report on XX/XX/2020. Wells Fargo initiated their investigation and I was informed today that they closed the investigation and found " it was made by you or someone who had your permission ''. My wallet was taken that had ALL my identifications. The checks were cashed in XXXX XXXX while I was at work in XXXX, South Carolina.

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 2020-07-11
Company: JPMORGAN CHASE & CO.
State: SC
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 XXXX XX/XX/XXXX I was charged {$19.00} from XXXX XXXX XXXX, I never authorized this transaction and reported it to my credit card company. They closed out that credit card immediately and reissued me a new credit card with a different number. They investigated and sided with the XXXX XXXX XXXX on XXXX XX/XX/XXXX. I again contacted my credit card company and told them again that I never ordered anything from this company. They again investigated and on XXXX XXXX again came back that this was a VALID TRANSACTION. How can it be a valid transaction if I did not order anything? I have been with this same credit card for more than 20 years. 
I will be contacting the credit card company again Monday when their fraud division opens. 
I would like the credit card company to show me PROOF that I ORDERED from this company. When I found this UNAUTHORIZED transaction on my statement I IMMEDIATELY contacted the credit card company FRAUD DIVISION and they issued me a new credit card with a different number. If the credit card company AGREED that this was a VALID TRANSACTION why did they issue me a new credit card with a new number?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I opened a HELOC Account with Suntrust Bank in the amount of {$36000.00}. I used {$31000.00} dollars of that money and left the remaining {$5000.00} in the account. 

On XX/XX/XXXX, I requested the additional {$5000.00} from Suntrust Bank and it was granted. 

The problem is all payments on the {$5000.00} account goes to interest only, although the loans were set for principal and interest applications. I have made all efforts on the phone, by mail, and in person at local branches to correct and resolve this issue. As of today 's date, XX/XX/XXXX, they refuse to make the necessary corrections to apply the payments correctly to and bring the loan balance down. 

First Account in the amount of {$36000.00}, error is made on XX/XX/XXXX, the payment was applied to interest only and on XX/XX/XXXX the payment was applied to principal only Second Account in the amount of {$5000.00}, errors are made from XX/XX/XXXX thru XX/XX/XXXX by applying all my payments to interest only I would like for Truist Bank to make corrections on both accounts and in writing to please provide an explanation and action taking. 

Thank 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 2019-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else 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
Consumer complaint received 2023-05-10
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed my complaint saying it has already processed my earlier complaints about this problem when I haven't got any response from the involved companies. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: BARCLAYS BANK DELAWARE
State: CA
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 balance transfer

Complaint:
Barclays claims I owe money. In fact I paid this debt to XXXX prior to Barclays taking over the XXXX Credit Card XXXX from XXXX Banking. I previously filed a complaint with the CFPB ( XXXX ), but the description of the CFPB complaint and resolution according to CFPB doesn't define the problem and the issue certainly should not be considered resolved. Attached is the letter I transmitted to Barclays requesting action to resolve the issue. 

XX/XX/2021 -- I received a statement from XXXX indicating I owed {$310.00}. 
XX/XX/2021 -- I mailed a check ( # XXXX ) to XXXX for {$310.00} to clear this debt. 
XX/XX/2021 -- XXXX deposited check ( # XXXX ) electronically to their account. Please see the attached copy of my XXXX XXXX XXXX Bank statement for documentation. I have redacted my checking account number for confidentiality. This means the debt was cured on this date and therefore no longer existed after this transaction. 
XX/XX/2021 -- Barclays takes over administering the XXXX XXXX XXXX. 
XX/XX/2021 -- Barclays processed a withdrawal from my checking account for {$310.00}. 
XX/XX/2021 -- XXXX XXXX XXXX Bank approved my request to credit my checking account regarding erroneous Barclays ACH transaction. 
XX/XX/2021 -- Barclays wrote that I was now subject to interest, penalties, and fees because of late payments on the {$310.00}. 
XX/XX/2021 -- I notified Barclays of their mistake and asked for correction. 
From my perspective the {$310.00} debt was cured on XX/XX/2021 when XXXX electronically cashed my check. The facts are clear that Barclays has no standing on the {$310.00} to demand payment.

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 2023-08-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Case # XXXX - Submitted to the CFPB on XX/XX/2022 I complained about not receiving my funds it has been over a year since Way2Go has received notice of my lost/stolen debit card and they still have not refunded my money. 

Company 's Response XXXX was able to reach the cardholder by phone and discuss the issues that he had about not receiving his refund back, I told him it was because there was no dispute opened, and he stated that he was only able to close out the card and the order a new one but he did not have an option to report the transactions as fraud for over a year. I asked the cardholder if there was more than one transaction that needed to be disputed and there was he stated that he never received the card at all. A dispute was opened for the cardholder and I advised that he would receive paperwork in the mail but he did not have to wait for it to come if he wanted to he can submit a handwritten letter and send it to me via email and I can attach it to the dispute for him, he stated he did not see why he needed to send in another statement when there was on the complaint. I let him know that I can use his statement on the complaint as his official statement for the dispute. I advised the cardholder that I would be working on the dispute personally and that if have any questions I would reach out to him and I would also reach out and let him know the final decision of the dispute. The cardholder 's phone is currently disconnected, I received two emails from the cardholder asking for an update on the dispute however when I replied to the email it came back as undeliverable. The dispute is currently being worked on a meeting has been set to review this dispute before a final decision will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: MI
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 contacted Equifax today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 9 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified Equifax of this. I asked Equifax to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Equifax is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted Transunion today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 15 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified transunion of this. I asked Transunion to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Transunion is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX 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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/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 2018-01-31
Company: CARD Corporation
State: GA
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 have my employment wages and income tax deposited onto the card. On XX/XX/18 I paid some bills and I also bought a few clothes for my children. XXXX  froze my card and said I needed to contact account services. I called the only number they have. The automated service picks up, talks about online services and then asks to verify identity. It starts off by asking for the last 4 digits of my social security number, when I opened the card I never gave them my social security number, not once. So I put it in anyways. Then it asks for my zip code, I put that it and then tells me its incorrect and asks me to do the process all over again, hitting pound or 0 doesnt help either. I have sent them a full video of my attempted call to their XXXX. After 24 hours of this I have yet to get thru. I emailed them 3 times, I sent 2 faxes to their dispute department just hoping for help, I sent them messages thru XXXX. I got a reply on how to handle the automated service once my identity has been verified, problem is just that. Wont go any further than that. I have over {$1100.00} in the account. I am a single mother and all my money is tied up with this account. I can not feed my children or drive my car.

Company response to consumer: Closed with explanation