BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 My name is XXXX XXXX and I have asked my sister to help me send an email to you asking for you help with Wells Fargo whom I was banking with for I have no internet at the place where I am living just electricity. 
My troubles started earlier this year when someone hacked my account with Wells Fargo, filling out XXXX of their online loans and attaching it to my name and account from XXXX. Then all XXXXXXXX XXXX XXXX when on XX/XX/2023, I deposited a Cashier cheek in the amount of {$10000.00}, everything checked out at the bank when I put the money in my account. However, by XXXX the same day I get a text from Wells Fargo stating that they have closed my account claiming fraud. Today I get another text from Wells Fargo saying I now owe them {$10000.00}. I have spent a lot of time on the phone arguing with them about this problem with no end in sight. I am left with no money for my bills and other expenses. Not to mention they canceled my charges I made at XXXX and XXXXXXXX XXXX  where I spent the money for food and water. I am living in a XXXXXXXX XXXX XXXX where I must keep water in the storage tanks so that my pipes do not freeze up. I live off my social security check and my ex-husbands military retirement check. With this account closed I have had to try and get they sent to a new account but there is no guarantee that my money will get into the new account by XXXX. The sad thing about this problem is I am not the only one Wells Fargo has closed accounts on using fraud as an excuse. To me this is stealing the money that belongs to their customers. Wells Fargo is now saying I own them {$10000.00} then it was {$320.00}. I ask before leaving the bank how much would be available for me to use to get food and water, the cashier said {$400.00} so I left the bank and went an bought groceries and water, later that same day the fraud department text me and said my account was closed. Now I have no way of accessing my account and no money to pay bills or gas or anything else. 
You can reach me by text only at XXXX Thank you for all your help with this matter.

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 2019-09-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and someone applied and opened a fraudulent Chase credit card account in my name. The credit card account is fraudulent and not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, job loss, legal action, garnishment of wages, jail, prison, XXXX and XXXX from Chase Debt Collection Representatives which is extremely frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
I received a report from XXXX stating two accounts from JP MORGAN CHASE were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: IL
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 am reporting because I am really getting annoyed with the business practices of this card. I understand that it is a card for those with limited to bad credit, but the fees are outrageous. It was reported that XXXX maxed out or exceeded my limit. I did not max out the card. The fee of {$49.00} was added to the statement, making the account {$600.00}. It was not maxed out on my end. The added fee was what gave that result of {$600.00}. I paid for an XXXX XXXX & rental with this card & was strategic on not maxing out the card. Additionally, I did not receive a reminder of payment for the first month payment. So, after only 3 days grace period, I received a $ XXXX {$45.00} charge that was reported again. All of that which is reported is not helping my credit.

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 2017-10-25
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My lender, Discover, issues an email message to me monthly to notify me that my current statement is available to view. However, Discover did not notify me in XXXX regarding my statement for the payment due on XXXX XXXX, XXXX. In addition, Discover has not notified me or even created a statement for me for the payment that is supposed to be due on XXXX XXXX, XXXX. I typically make my monthly payment the date I receive notification that a statement is available, so I have incurred additional interest as a result of Discover 's recent procedures. In addition, from my understanding, these are Regulation Z violations. I called Discover and spoke with a customer service representative, but I have not received any assistance regarding this matter. My account number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I open a credit account with Comenity Capital Bank ( XXXX ) in XX/XX/2019 with initial credit limit of {$5000.00}. During this time, I charged approximately {$1200.00} on card and have made my payments on time via XXXX every month. 

About a year ago when Covid hit, my household income took a significate reduction which impacted my ability to pay my bills on time as a result reduced my credit score. Based on my reduced credit score Comenity bank reduced my credit limit from {$5000.00} to the current outstand balance of {$1200.00} which as a resulted reduced my credit score even more due to my credit utilization increasing. Even after this, I continued to make on time payments via XXXX 

A few months later, I received another notice my credit limit was reduced again to the outstanding balance of {$850.00} which again impacted by credit score. This time I reached out to Comenity bank and requested they stop reducing my credit limit as it is impacting my credit score and reminded them, I have never missed a payment. They gave a generic response quoting company policy. Despite their response, I continue to make my payments on time via XXXX 

Yesterday I get another notice that my credit limit has been reduced again to {$550.00} ( my current balance ) and again my credit utilization goes up and credit score goes down. 

In less than 16 months, my credit limit has gone from {$5000.00} to {$550.00} even though I have never missed a payment or tried to use my card. My account remains on XXXX and aside from being maxed out it is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase.com is a well-known cryptocurrency wallet and exchange, but with a checkered, shady past. Despite this, they remain the easiest and most popular way to purchase and sell cryptocurrencies. 

After reading this article ( XXXX XXXX XXXX  ), I decided the safest thing to do for the funds I have with them is to move them out. If Coinbase has the ability to shutdown buying and selling wontonly and against the wishes of its customers, which is a market manipulation issue in of itself, then there's nothing stopping them from seizing my coins without notice or reason. 

On XX/XX/2021, at about XXXX XXXX  PST, I withdrew my bitcoin holdings to the tune of XXXX XXXX or about {$1700.00} USD at the time. Coinbase said this would take 6 block confirmations ( or about an hour give or take ) for the transaction to complete. However it's important to note that transactions are broadcasted to the Bitcoin network even before any confirmations take place, meaning that receiving wallets will know when funds are incoming even though the transaction overall is still pending ( waiting for confirmations ). It's now been about 2 hours since Coinbase claims my bitcoin was " sent '' and yet my receiving wallet doesn't show the new transaction, block explorers ( which allow people to see transactions directly from blockchain data ) are showing no activity for the address used in the transaction, and Coinbase itself shows 0 confirmations ( which again take about 10 minutes each ).

The images I provided were 4 expected confirmations after the coins were supposedly sent. At least 10+ blocks or confirmation periods have passed and yet my funds are still in Coinbase custody. 

My account has no restrictions. The transaction was not restricted in any way ; I have not been notified as much ( which is another red flag issue ). The bitcoin addresses I used are 100 % correct, so this is 100 % the fault Coinbase and their denial of expected service. 

I emailed Coinbase support with no response. I've posted to relevant social media, which their support reads and responds, with no response. Digging a little deeper on their subreddit ( XXXX ), I'm far from the only person experiencing these withdrawal games. Given their checkered past and known hostility towards the consumer, I fear the worst for my funds. 

Again, I'm not the only one in this boat. Please investigate this company thoroughly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
All of XXXX and XXXX up till XX/XX/XXXX was consistently over drawn account and doing a process they called reordering or something to where they would show a certain amount in my account ( and I only used my debit card except for my mortgage ) then the next day show me with an overdrawn account and this happened almost every month sometime if I got hostile they would credit a few fees but maninly told me this was there practice and it was nothing I could do about it, overdrawn account so bad that when I left my job in XX/XX/XXXX I had to change banks it was the worst experience ever and I still owe them around XXXXXXXX XXXX because of this issue

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 2019-11-14
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company acquired my reverse mortgage in XXXX. 
My taxes have always been paid by me over the nearly 30 years I have lived in my townhome, always when due, on time and in full, as the tax records sent by my tax office to the mortgage company will confirm. 

The mortgage company claims they had to pay my taxes on XX/XX/XXXX - {$1300.00}, XXXX XXXX, XXXX - {$130.00}, and XXXX XXXX, XXXX - {$1.00}, XXXX. My tax records speak for themselves, that I alone have always paid my taxes when due, in full and on time ... Where is the proof of mortgage company payments. My tax office would gladly return any payment received from the mortgage company, as it would never have been necessary, as I have always paid my taxes on time, when due and in full, as noted in my tax records, which were sent to the mortgage company. The mortgage company wants me to pay them for the money they claim to have paid for my taxes, as well as their claims for mortgage insurance fees which they said they also paid. It is common practice for townhome/condo associations to always have a blanket insurance policy. This was also sent to the mortgage company. Any insurance paid by them was not necessary. 

ACTION FOR A FAIR RESOLUTION : I want the mortgage company to take a closer look at the facts of their claim and postpone or simply stop this foreclosure or sheriff sale. 

I would further ask that the mortgage company put in writing, the required documents to make void, a foreclosure or sheriff sale. Copies should be sent to me, and all parties with a need to know, stating that your complaint no longer escrows my account. 

Finally, I would ask that you notify all credit bureaus that I have never ever been in the arrears with my taxes and +my account with you is, and has always been, in good standing Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy. 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. U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( A ) ( 1 ) 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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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. I am never been late on this account.

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 2019-12-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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:
I am on a now closed joint checking account with my XXXX year old mother. Neither myself or my mother have any business dealings or accounts and have not authorized any ACH debits with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, or Fidelity National Information Services , Inc. dba XXXX dba XXXX. 
On XX/XX/2019 an unknown person used Fidelity National Information Services XXXX XXXX dba XXXX dba XXXX service of processing ACH payments and made an unauthorized {$4500.00} debit to the checking account. Fidelity National Information Services , Inc. dba XXXX XXXX XXXX used their prior name XXXX XXXX XXXX XXXX  ACH clearing account that is linked to the original predecessor bank XXXX XXXX XXXX  XXXX to withdraw the funds from XXXX XXXX XXXX, XXXX. 
In response to a prior complaint to CFPB the XXXX XXXX XXXX, XXXX  verified that the originator of the unauthorized debit was XXXX XXXX XXXX XXXX and it is public record with the Secretary of the Commonwealth of Massachusetts that XXXX XXXX XXXX is the new name of XXXX XXXX XXXX XXXX. All supporting records are attached. 
XXXX XXXX XXXX, XXXX stated the following in an email, The name of the company who originated the transaction is XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX MA XXXX. Their phone number is XXXX. In a subsequent email they stated, The originating company ID is XXXX. 
This layering of ACH debit transactions and willful use of obsolete names shields the natural person criminal from detection. Without being able to identify XXXX XXXX I can not make an accurate police report. Furthermore, I have learned that in ACH fraud crimes where a layer of subpoenas is needed to identify the natural person criminal suspect they are often skipped over by law enforcement in favor of easier to prove cases and may never be prosecuted. 
Fidelity National Information Services , Inc. dba XXXX dba XXXX XXXX XXXX can identify the natural person criminal suspect with this information : 1. The transaction information : XX/XX/2019, XXXX XXXX, - {$4500.00}. 
2. The XXXX XXXX XXXX, XXXX account number of 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