BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX ) XX/XX/XXXX When I claim was filed immediately after I discovered fraud of check {$30000.00} cashed. WF bank forced to close and open new account. XXXX said everything same just transfer fund. Nothing was explained and nothing was signed and given agreements etc. Only account number on piece of paper. 
A week later I received 2 new credit cards. I was not sure why. 
XX/XX/XXXX over a month later I received new account application with my and my son 's personal information probably from old records of XXXX. 
On top of application I WANT OPEN ACCOUNT in large letter.-No I didn't want. 
full SS #, Birthday, address mother 's maiden name and XXXX Driver 's license and in very small letter says I received and agree to their deposit agreement and arbitration clause everything I agree to them. -Nothing was given and never want to agree. 
Cover sheets says if I don't sign they will assume I agreed. -No, I don't agree this.My account was downgraded to XXXX account from XXXX account. Nobody mentioned. 
Later XXXX and manager told me XXXX XXXX did was claim XXXX office opened and closed account and nothing they can do. 
XXXX ) Credit cards close and open and charged me late fee $ XXXXand interest {$5.00} which they made error and took several calls to get waived. I never needed close and open new one. Very inconvenient to me and my son. I had not activated new one. I just closed my business account because I still never received paper statements over 2.5 yrs. XXXX and manager both mistreat me. XXXX told me she never received my emails which I had requested paper statements and appt to meet.I sent several emails and called for message to call me back. Very sad. 
XXXX XXXX ) After I claim XXXX ) on XX/XX/XXXX bank 's rep and manager both treat me very rude. They both try to avoid me and I had to wait almost 45 min to get service last Friday.

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 2023-03-13
Company: EQUIFAX, INC.
State: OH
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:
On several occasions I have contacted XXXX XXXX XXXX XXXX and requested to have them removed from my credit report. They are or were listed currently as a being a CHARGE OFF for {$32.00} and additionally had me listed with XXXX for this same debt that I was not even aware of. All this is to say that I disagreed with the debt and that did not matter. XXXX IT IS is wrongfully on my credit report. I have now been refused credit multiple times because of this institution. It is showing on all credit agencies, and it is absolutely wrong... Please help restore my good name and credit, place fines on XXXX for what they have done to me and others like me. 

I hope to hear back from you at your earliest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXX XXXX  All I did was go to check my balance of my XXXX checking account at a XXXX XXXX XXXX XXXX XXXX and my account was at a XXXX balance still. But because I checked it at a NON XXXX atm, it charged me a fee that I wasn't aware of and put my entire account in the negative. The bank therefore charged me a overdraft fee .... hence the fee of {$32.00} above!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have made numerous attempts to explain the situation, filed out paperwork, sent legal documents. They never reply, call, or send a response.. 
The issues are that i did not initiate this loan. They have not sent one piece of paperwork to me in years. I, on the otherhand have. 
They are not reliable or trustworthy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: FinCo Services Inc DBA Current
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I had nearly {$2000.00} stolen from me from something called Current aka XXXX XXXXXXXX XXXX. Problems first arised around XXXX of XXXX where it was small funds stolen and XXXX larger amounts of money was taken. I contacted XXXX XXXX XXXX aka current numerous of times to close the account to which they refused and just sent a new card. I had already opened a new bank and transferred all funds over {$500.00} at a time since I could not transfer more. Unfortunately, I received my stimulus check to my bank account with XXXX XXXX on XX/XX/XXXX. I have all screenshots, all bank statements and the location for where my money was used. But I received a call from XXXX  saying someone in XXXX had used my card at a XXXX spending nearly {$500.00}. Once again I told them I want them to close my account but I was at work in Wisconsin so I could not stay on the line. They said they would issue a new card and stop the transaction and make sure I still had my funds. Not even 5 minutes later I saw someone hack my account taking the money out of savings and sending it to my Checkings. I tried to stop this even contacted the customer service chat and he just said let it happen and theyll dispute it. I was frantic and at work crying because I watch someone make TWO TRANSACTIONS While begging them to take action and stop it. I have screenshots of this as well. The other transaction was at XXXX in XXXX in the amount of {$510.00}. The second was a transfer from my account to someone name XXXX in the amount of {$840.00}. I contacted XXXX attacking her for stealing my money but she had the exact same issue. Someone was in her account stealing her money and she experienced everything that I was. We had a third party hacker in our account and tried to dispute it but current said they will not give our money back. Every penny counts for me because I missed quite a bit of work while I was in a car accident in XXXX and had to attend XXXX and XXXX to get better. I need something done please. I have begged current to do something and they said their decision is final. Its impossible for me to make any transaction in other states because I live in Wisconsin. There were numerous devices logged into my account and no one has ever had my password. There was also a phone number I did not recognize. It took me 4 x contacting someone for someone to log out all unauthorized devices but even then it was too late. I had {$0.00} in my account and current aka XXXX XXXX refused to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CAPITOL ONE DEBITED MY BANK ACCOUNT WITH XXXX XXXX XXXX XXXX ON XX/XX/2018 FOR THE ENTIRE BALANCE OF MY CREDIT CARD {$2200.00}.

I NEVER AUTHORIZED THIS PAYMENT AND THEY ARE STATING I MADE THE PAYMENT THRU THEIR IVR AND I NEVER DID NOR DID I CALL. THEY WILL NOT RESOLVE FOR 7-10 DAYS. I HAVE OPEN A PAYMENT INVESTIGATION SINCE THEY STATED I MADE THE PAYMENT.

I HAVE CONTACT MY BANK TO DISPUTE AND STOP PAYMENT. I AM DISGUSTED BECAUSE I AM SIGNING A LEASE FOR A NEW RESIDENCE ON XX/XX/2018 AND MAY NOT BE ABLE TO HAVE MY ENTIRE PAYCHECK RELEASED.

PLEASE ADVISE WHAT STEPS I NEED TO TAKE TO RESOLVE THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account number XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-02-02
Company: EQUIFAX, 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from Cashcall/XXXX to XXXX XXXX XXXX, however the loan amount transferred was incorrect. I have reached out to both companies but have not received a corrective action. 

The transfer occurred on XX/XX/19 the correct amount of the transfer is {$180000.00}, however XXXX XXXX  XXXX is showing a transfer amount of {$180000.00}. 

Both companies are blaming the other and pointing fingers and I'm caught in the middle, I'm seeking your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Company is attempting to charge a {$1100.00} tax fee on a vehicle used for personal use. The company mailed documents ( affidavit ) to the wrong address even after, i called and emailed them on numerous occasions requesting that they update the mailing and billing addresses. Now they have assessed this large fee to the account and state that it could take them up to 6 months to remove. I can not wait this long. They acknowledge receipt of the document and still refuse to remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Navy Federal loan that I had for my home was paid in full. The company when contacted advised me that they billed me additional fees for paying off my home mortgage in full. I have contacted them several times as the company has refused to cash the bill pays sent to the company and XXXX took the action to stop the payment as Navy Federal had the check from bill pay. In order to get the mortgage paid in full payments were made to them via ACH. Navy Federal has been requested in writing that I am hereby demanding that my money due back to me for escrow and close my accounts with the bank. 

Navy Federal advised me that they will be charging me penalties for paying off the loan which I was advised I didn't have on this loan. Now on the phone it has come to my attention that the company has made a decision that was never disclosed to take money to payoff the mortgage. When I requested to know exactly what the amount they are charging me they said I would have to wait until they do all their back office charges against my account. 

The company is not being fair and honest with me as I have advised them that I want to close my accounts. Obtain my escrow money that they are retaining and along with that they are taking a position that they can charge me whatever they want for fees for paying off the loan. 

I need help as I have reviewed documents and it has no area that it states that I must pay for their back office activities and in a large amount. I have been clear that this is not fair and want the breakdown immediately. Their response was they will get it to me in 30 days or more when they get it done. 

I do not want to be a customer and they sent me a letter advising me that my escrow or overpayment would be deposited into the checking account that I presently have with them and have requested to have closed several times. They refuse to close the accounts and state that I must keep them. I do not see how this is fair and am asking for help to get paid the money that is overdue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I believe in XX/XX/XXXX I contacted Equifax by phone, twice, in regard to their online website. I tried to register my husband and me, online, with new accounts with Equifax for both of us as we were buying a new lawn mower and I wanted to remove a freeze which I had put on 6-12 months prior. I could not create the online accounts. A screen came up with a number to call. When I called the number I got a rep who spoke with a thick accent. He wanted me to verify that my husband was really my husband. I let him talk to my husband. Then he wanted very specific info from me from 20 years ago. I could not remember the address of where we lived 20 years ago. The Equifax rep told me he could not either release the freeze or help me until I gave him exact information from 20-30 years ago! I told him thank you and hung up. I have tried and tried and tried to create new logon info to the Equifax website and the website always gives me a screen to call : XXXX. When I call that number is it the breach of Equifax reporting number and THEY refer me back to the website! This company is horrid, it has the worse customer service ever and I worked in customer service for years and know what is demanded of a customer service rep. Their chat device online gives bogus info. They should not be in business and definitely should not be handling private info for consumers! If you want to get them to do anything, you must send them very private info, driver 's license copy, social security number, through mail. I will not do that. Are they nuts? Please help me do something about this credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection account I am referring to is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX The problem is, is that I was never notified and according to the Fair Debt Collection Practices Act, 15 USC 169 2g Sec. 809 ( b ), I done owe this collection agency anything. The don't have an original application no Proof of this debt that they say I owe. They are continually moving the date back on all three of my credit reports, XXXX, XXXX, XXXX XXXX. If fact they are show two account on three of my credits reports. The first account number is XXXX XXXX for the amount XXXX the second account is XXXX for the amount of XXXX. They are an third party and they have Lack of Standing to pursue me on false accusations. I am harassed by them calling me all of the time. I request that these accounts be removed from my credit reports, ASAP after your investigation has been completed.

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 2023-04-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage took over my loan after XXXX XXXX XXXX sold it to them in the process of the pandemic modification. All the while that Carrington received my loan they stated they were waiting for the package from XXXX XXXX XXXX, I made mortgage payments every month according to the amount agreed on with XXXX XXXX XXXX. Carrington originally had that agreement but wants me to sign a new package with a different interest rate, higher balance and has sent inaccurate information to my credit report agency. They claim they sent me a package by email when they first got the loan and that I had to print and sign, that has expired and now they won't honor those amounts. That is pretty tacky. They state I am delinquent on my payments and I have proof that I paid the mortgage every single month since they took over. Now I am being forced to sign a package that I do not agree on, XXXX even stated that Carrington must honor the same package they sold to them and Carrington now refuses to accept a payment until I sign. I am frustrated beyond that this company is getting away with doing this to consumers! My credit score is very low because they are stating I have not paid a payment in 13 months or so, which is false and I have my bank statements to prove it. It's funny how they have accepted all my payments. Not to mention, when I call them you can not get a direct person they tell me I have to speak to some guy XXXX XXXX who only communicates by email. I have spoken to him one time on the phone. They call me everyday to ask me for the signed package and I have to keep explaining my story. Please tell me what my options are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: TD BANK US HOLDING COMPANY
State: IA
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 was calling interested XXXX  phone payment system and making monthly payments. The system was misentering payment information each month and was not pulling payments. According to XXXX, because this was done via phone, a {$70.00} late payment was reported to the credit bureau in XX/XX/XXXX. I received no notice that a payment was late or incomplete. 

XXXX  Customer service told me in XX/XX/XXXXthat when the payment was made it would be removed from my credit report. It has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Delta Management Associates, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Delta Management Associates just contacted my employer to ask for an employment verification. I do not have any accounts with this company and have never received any written notice or phone calls to my personal phone number ( which I use to set up accounts ) regarding any debt owed. About a year and a half ago, Delta Management Associates called my office and connected to my desk number and asked me to give them my SSN so that they could access my account information. At that time I told them that I did not have an account with them and absolutely would not give them my SSN. I had not heard from them again until today my receptions said that they called asking to verify my employment and that she directed them to our online verification system. She said they sent her a fax that had my SSN on the paper, but she shredded it before telling me. I am concerned that they have somehow obtained my SSN are trying to find ways to get more of my personal 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 2020-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was a victim of investment fraud/scam. The company is called XXXX XXXX ( XXXX ). I initially invested XXXX  into the company. After some time and watching my eoptions account increase they said it was time to pay me my profit. They asked for my bank account info for the transfer. They then wanted to connect to my account with a XXXX XXXX account to make transfers easier. What they did was provide me with XXXX a day to my account and then wanted me to use that to buy bitcoin with since it was profit and send it to them and by doing this I would receive more of a return on my investment. A total of XXXX was sent to me. I used that to buy bitcoin with as directed by the company. And after it was all spent the XXXX XXXX company account then pulled the XXXX back out of my account putting my account into negative. The company tried calling it a mistake and they would fix it and they have not fixed it for over a week. I have reported this to the local police, FBI, IC3, and now here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On several different occasions such as XXXX XXXX2017, XXXX XXXX, 2017, and also XXXX XXXX2017 contacting these companies and bureaus trying to delete these inquiries and they sent letters back saying that these inquiries are accurate and true. That is a lie these inquiries are in fact made by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: In progress