BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My bank is Wells Fargo. On XX/XX/2018 I sent my landlord my rent of XXXX.. I used XXXX which is a money transfer service on Wells Fargo web site. I have used XXXX to send my rent for over 2 years and never had a problem. In XX/XX/XXXX my landlords account was compromised and he closed it and opened a new account. When I sent the money by XXXX in XX/XX/XXXX he did not want to accept XXXX, so he never entered his new account info. My money never made it to him, and I never received it back. 
I have filed 2 claims with Wells Fargo and spoke to an XXXX at Corporate. ( XXXX ) XXXX was not able to help me to get my money back either. I have even gone to my landlords bank, XXXX, and the lady, XXXX, put in a call to XXXX for me and I was able to speak to XXXX. ( They normally dont speak to the public ). XXXX told me because I used XXXX through Wells Fargo, they were not able to track the money. They also said, had I used their stand alone app, they would have been able to track it.no one can tell me where this money is. My landlord doesnt have it, and I had to come up with an additional {$480.00} for rent. 
Wells Fargo is not standing behind a product that they have on their website ... this is not fair! 
Please help me to recoup my money! 

My landlord is XXXX XXXX and his phone number is # XXXX. You will need that for XXXX. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. Account # XXXX 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 604 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 2018-12-16
Company: Conduent Incorporated
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Regarding XXXX XXXX:

On XX/XX/2018, I used my card at XXXX.  This was the last time I used the debit card prior to it getting stolen.

On XX/XX/2018, my debit card was stolen, most likely while I was at the gym because that is the last time I saw it.

On XX/XX/2018, I realized my debit card was stolen when I wanted to use it.

On XX/XX/2018, I called XXXX XXXX (which is serviced by XXXX XXXX) to report my debit card stolen.  This was within 48 hours of the card being stolen.  There was a total of $XXXX that was charged to my debit card by someone else.

On XX/XX/2018, I received a provisional credit while the investigation was going on.

On XX/XX/2018, a letter was sent from XXXX XXXX (XXXX XXXX) stating that they found a conflict of information provided by me and the information resulting from their research.  The $XXXX  was debited from my account.

On XX/XX/2018, when I received the letter, I called to request a copy of the documents used in making this determination and to ask specifically what was the conflicting information.  The representative said he could not provide a copy of the documents.  He stated that notes show that the card was lost on XX/XX/2018.  These notes are inaccurate.  I never reported that the card was lost on XX/XX/2018.  I shared that the last time I used the card was on XX/XX/2018, but I had the card with me until XX/XX/2018.

XXXX XXXX has based their investigation on inaccurate information and has not provided me with copies of the documents in which they relied on making a determination.  I am requesting that the fraud investigation be reopened and a determination be made based on accurate information.  My debit was stolen on XX/XX/2018 and I reported it stolen within 48 hours, once I realized it was stolen.

I do not believe that XXXX XXXX is following rules that protect consumers and treat them fairly.  I am requesting intervention from the CFPB.

Thanks,
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I asked for a refund for payments made during the payment pause in XXXX. I called XXXX and AidVantage. AidVantage said I had to go through XXXX. I was quoted 4-6 weeks for a refund. XXXX automated recording acknowledged my request until XX/XX/XXXX. I spoke to XXXX who said all information has been transferred to AidVantage. I called AidVantage and started the process over requesting a refund on XX/XX/22. They entered my request and said it could take 8-10 weeks. I called at the end of 10 weeks and was told 12 weeks. I called again at the end of 12 weeks and was told it could be an additional 10 weeks. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Signed up for {$4.00} trial membership, cancelled before the trial was over. 29 days later I have been billed {$14.00}. Hold times to cancel by phone are over 90 minutes.

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 2017-12-12
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Deposited 4 checks into checking account via ATM for XXXX each on XXXX XXXX funds were said to be made available on XXXX XXXX. However SunTrust sent a letter stating they were going to hold funds an additional 7 days at that time once it clears they will release the funds. On XXXX XXXX XXXX when I logged into online banking it was restricted I contacted customer service who advised me to visit a branch which I did the bank advised me they were needing to hold funds until they were validated from issuing party which could take an additional few days, those few days came and I tried again to logon to online banking which was still restricted. I reached out to customer service again who then stated they decided to close my account due to federal rules and regulations and that I would receive a check for the deposited funds in the checking/saving account. Once I received funds from SunTrust they were for XXXX and XXXX?? which were the cash deposits left on the account and not the XXXX funds made available from deposited checks that were credited to account on XXXX XXXX, XXXX and that they will not release hold for deposit until XXXX XXXX, XXXX that deposit will sit it bank vault until that time unless I have issuing party reclaim checks and reissue in which issuing party is stating that I need to obtain funds from SunTrust as they have already release 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 2023-02-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} has violated my rights. 

1

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681s2 - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted ERC about a collection account on XX/XX/2021. I disputed the amount owed and requested a detail copy of the bill. I also contacted the original creditor and there is no record of the collection account. I was informed by ERC I would receive the account detail within 24 to 48 hours. I did not receive the account detail. I called back 2 weeks later and was informed the account was in dispute status. I called again on XX/XX/2021 and was advised the account detail was not available and would be requested again. I also was informed the account would be escalated. 

I have been asked by several individual what do I believe I owe? My response is XXXX but I really do not know that is why I am requesting account details.. 

I have never received an itemized bill from the collection agency or the original creditor XXXX. 

I have never received a collection letter from ERC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I made a payment to my Capital One credit card on XX/XX/2021 and am being told on XX/XX/2021 that although the funds have come from my verified checking account ( I did a 3 way call with Capital One and my bank to verify my bank account approximately 1 week prior to making the payment ) - And Capital One is in receipt of the payment, theyve placed the payment on hold for 26 days. Almost 1 month on hold for a {$50.00} payment. Capital One refuses to make my funds available to me, but subsequent payments from the same account have been made available. Capital One is unable to increase my credit limit due to my account being too new, but offer no other solution to make my available credit reflect the amount of payments that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: American First Finance, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : AMER FST FIN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 2019-11-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I viewed my credit reports and saw that it is reporting in the summary/overview that I have 17 late payments on Equifax and 19 late payments on XX/XX/XXXX but there are no evidence of this in the accounts that I have on my reports. 
This inaccurate reporting has been negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
It is impossible to enact a credit freeze on the Experian website. Myself, along with four other individuals I have spoken to, have all gone through the online form were denied and asked to mail in the documentation. 

On top of that, there's no easy way to access the freeze form on the Experian website. It's hidden behind the advertisements for XXXX, a paid service that is basically a credit freeze. 

Experian is purposefully making it difficult to get a credit freeze in order to promote their paid XXXX  service.

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 2019-04-11
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: Account information incorrect

Complaint:
I have s few credit cards for emergency use. I am a responsible credit card user. But, when ever I use my credit card, XXXX & Experian reduce my credit score by a few points. My question is : We get credit cards to be able to use them and if we get penalized by using credit cards, then what is the purpose of using the cards? Also, why is it not disclosed by the credit card companies that we will be penalized if we use their credit cards?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a notice that my payment was overdue, and that I needed to pay {$100.00} by the XXXX. I went to the online account and made the payment shown as due. I can see in my account that I made payments last month and the month before of {$33.00}, which I believe was the minimum payment amount when I set up those payments. I am signed up for paperless statements. I have not made any purchases on this card for many months -- it was used to purchase my cell phone and a case, and nothing else. 

I can not find anywhere in my account that displays 1 ) what charges or fees have been applied to my account, 2 ) what my payment due was, or the due date, for any past billing period. The email containing a link to my paperless " statement '' just takes me to the same " transactions and statements '' area of my online account, which says there has been no activity since my last statement, and likewise for past periods that I look at, it says no activity. It is possible that my payments were late, but I have no way to tell. I don't know what fees I was charged, or how the amount of {$100.00} was arrived at, because all it says is " no activity. '' In addition, I am unable to schedule a payment for next month or any future month. 

This all seems wrong to me. I should have a complete and itemized statement of what they claim is due on my account. I should be able to see, from a statement or from the payments section of my account, what was due, when it was due, what I paid, and when it was credited to my account. I should be able to see somewhere on the account site what my due date is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01
Company: MS SERVICES LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to zero or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: BANK OF THE WEST
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

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 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 27 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2023-01-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo incorrectly charged me fees on a checking account that I had in XXXX. I want to be included in the settlement.

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 2020-11-05
Company: EQUIFAX, INC.
State: SC
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:
Hello, I reach out to CFPB a few weeks ago on this matter with ya 'll giving a complaint on XXXX, Equifax and XXXX. Their reaging false accounts on my credit report and have yet send any verified information with my signature on any of these accounts they literally deleted that you'll see in my upload files but then put accounts back on as a New Account. Which is a Violation of the FCRA Section 623 and Violation FDCPA 806B

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to zero or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Westlake bank put my payments on pause and after dispute. The company went forwards and put me back on active payments to avoid taxes for the Internal Revenue Service!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 i was called by my auto loan company, and was told i need to pay a pst payment and past late fees that have generated i told them i was able to pay both of as of right now but need to make sure that the late fees were applied correctly Over recorded call i was told that would be guaranteed and she would even follow up with me Today is XXXX PST and just got off the phone with an employee and manager and was told they just paid my next car note, i told them i was unsatisfied and next car note not even due yet and it's putting me in a bad situation because not late fees are still there and receiving phone calls They told that's the way it is done and nothing they could do The auto deal is XXXX XXXX XXXX

Company response to consumer: Closed with explanation