BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am suffering a hardship and dealing with raising my nephews whom were displaced as a result of Hurricane Michael this past XX/XX/XXXX. One has been sick and I was in the hospital recently as well. I got {$72.00} in fees for a {$17.00} shortage. Outrageous! I am asking for a refund of the fees.

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 2019-01-17
Company: STATEWIDE AUTO SALES
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: Information is missing that should be on the report

Complaint:
The payment history reporting to my XXXX credit report by Statewide Auto Sales is inaccurate. They are reporting over 20 late  payments ONLY to my XXXX credit report. I reached out to them to correct this matter and they informed me to dispute it with the bureaus. The bureaus are only reporting what they are being sent and they sent XXXX false information. They have never received a late payment from my account but reported to XXXX as they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to a XXXX ( gas ) station ( private label credit card ) and was not able to get gas for my car. When I called their customer service number to discuss the issue ( XXXX ) I was alerted this account was closed. I asked when and why this account was closed since I have been a customer since XXXX. The account rep told me the account was closed in XX/XX/XXXX due to inactivity. Then I asked if they could furnish me with proof that I was alerted that the account was " in danger of closing due to inactivity ''. Furthermore, I also asked if they could furnish me with proof that I was alerted that the account was " closed due to inactivity ''. The account rep could not because as the customer I was NOT alerted in any way, shape, or form. I believe this is in clear violation of my rights as the account owner, not because the account was closed, but because I should have been made aware of the account closure either before OR after. None of which took place. Please hold this financial institution accountable for acting fraudulently.

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 2019-07-02
Company: Bread Financial Holdings, Inc.
State: WY
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:
Dear Sirs or madam I have obtained my report, this account COMENITYBANK/VICTORIASSECRET XXXX XXXX XXXX XXXX, OH-XXXX shows numerous error ( s ) This is Not a Data Factoring account. Please remove this. 
It reports a One Month term which is false. Please remove this.

The Estimated date of removal for the CA does not match the date that the original creditor, reports. Please remove this.

The Date of First Delinquency with the Original Creditor is not provided Please provide this. Please remove this.The Date of First Major Delinquency with the Original Creditor is not provided Please provide this It has never been 12080 days late. Please remove this. The Balance is not correct. please remove this. 

I await your response, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A friend of mine wired {$1000.00} into my account on XX/XX/18 - and Wells Fargo charged ME a {$15.00} " wire transfer '' fee! 
I'm quite sure WF charged my friend a transfer fee as well ... but why would they charge ME a fee when HE initiated the transfer!? 
What scumbags these people are ... Wells Fargo 's recent {$570.00} million fine has obviously NOT deterred their criminal behavior.

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 2017-11-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My savings account with Barclay 's bank is a matured account having been opened more than 30 days. On XX/XX/XXXX, I notice my account was restricted. When I called in on the XX/XX/XXXX, I  was asked several security questions and service was restored. Subsequently I mobile deposited several checks from the California State Treasury. On the checks themselves is written that they are valid up to 1 year from the date of issue from the California state treasury. However, when following up regarding the deposit I was told that the checks were stale dated and my account would be restricted until further notice. This is despite on the checks themselves it is clearly stated that the checks would be honored up to 1 year from the issue date. It had only been a couple of months. The representative asked me to callback in a few days, to which I did. When I called back I spoke with a gentleman who I confirmed my XXXX XXXX with. That representative said all he needs is a driver license, SSN, and a recent bank statement or utility bill in order to remove the restrictions. He told me it would take about 5 minutes. I successfully received the email from the rep and provided the documents as requested. When calling back to confirm the receipt of that documentation I spoke with a rep by the name of XXXX. XXXX said that there was no record I had called before and that no email had been sent out to me and that my account would be closed. Knowing that what she was telling me was factually inaccurate I requested to speak with a supervisor to which XXXX denied. She also refused to answer any of my questions. My concern is that my account was wrongfully closed. Additionally, I was mislead in providing documentation and personal information that was misused and not used for the purpose it was provided. Moreover, I was provided I consistant information. Lastly, legal and valid California State Treasury checks were declined without justifiable cause and the status of those checks remain in limbo due to ill service provided to me by XXXX at 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 explanation
Consumer complaint received 2019-07-02
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I used TCF atm XX/XX/XXXX around XXXX to XXXX for make a regular monthly deposit for make an specific payment on XX/XX/XXXX of the month, at the beginning I just put {$500.00} and suddenly ATM stop working gave me a msg " THIS ATM IS UNABLE RETURN YOUR ITHEMS PLEASE CONTACT YOUR BANK '', I did and supposed they gon na investigated and until this date nothing, I stop three times at the agency they checked cameras, and the answer was I have more money in my hands.

for a information in my account XX/XX/XXXX of every month I deposit XXXX  for a university payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank contacted me about fraud on my account in California. I was told my card was cancelled. But a charge of XXXX was posted on XX/XX/20. This was one of the fraudulent charges. This causes a overdraft fee of XXXX on the XX/XX/20. The account was credited for those charges. But then set in the deficit for 5 days. This causes my scheduled paym chant Device. This causes two more overdraft fee of XXXX. Leaving my account negative XXXX. I spoke with Ms. XXXX who called Mrs. XXXX XXXX. Her deminor was rude. She said she would review the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All XXXX major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am refinancing my {$110000.00} home loan with a {$250000.00} HELOC. 

My new rate is 2.35 % ( a major decrease in my payment ) for {$500000.00} and I would like the HELOC at Bank of the West to be {$50000.00}. 

According to my lender, it requires over 20 business days to receive a subordination agreement from Bank of the West due to low staffing compared to the number of refinances their office is receiving. 

This puts me outside my lock in rate and my loan officer recommend I just get a new Heloc, faster ( and much more expensive with all new closing fees {$1300.00} for {$40000.00} ). 

I am in a paperwork administrative situation here. I have worked on this loan now for 3 weeks and now learning that I need to wait another month? 

I called Bank of the West to fax the paperwork to XXXX, my loan officer on XXXX. I called because the bank does not answer the phone in less than 20 minutes. When I go to the branch they say I have to call the 800 number. I also sent two emails with no response. When I asked to send a complaint to management the operator gave me the address in XXXX XXXX to Bank  of the West but she didn't know what department to sent it to. 

My request? Their phone message could say if you would like to give us your number and we will call you back at our earliest convenience.

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 2018-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had an auto loan with Wells Fargo Dealer Services - XXXX XXXX XXXX. During the course of the loan, WFDS added XXXX insurance to my loan, which increased my monthly payment. I kept making my monthly payment. It was showing I'm late, short, they repo my car! 
Not once but twice! The problem exists 2 fold : 1. Adding on a product which I did not sign up for thus making me delinquent. 
2. I make my payments at Well Fargo Bank, but they say they are not WFDS. They operate under Wells Fargo to the consumer, but in their eyes they are two different companies. That is fraud in it's self? 
I have been contacted by attorneys from PA. to jion a class action suit. But, I told them NO, I want to give WFDS an opportunity to settle it. 
WFDS sent me a letter in XX/XX/XXXX - we owe you {$1500.00}. A check will be awarded. 

I have NOT RECEIVED ANY CHECK AS OF XXXX XXXX, Can you help me? Also, under the TDPA don't I get triple damages and I'm a Senior citizen, they have ruined my credit. It's a mess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: First Advantage LNS Inc.
State: NJ
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 AM NOT LIABLE FOR THIS DEBT WITH XXXXXXXX XXXX XXXX XXXX  AND I DO NOT HAVE A CONTRACT WITH NATIONAL CREDIT AUDIT CORP. THIS IS A FALSE ACCOUNT. # XXXX DATE OPENED : XX/XX/2021 AMOUNT {$10000.00}. I HAVE ALREADY ASKED FOR A PROPER INVESTIGATION AND HAVE NOT RECIEVED XXXX. NEITHER COMPANY HAS VALIDATED THE DEBT. NEITHER COMPANY HAS SENT DOCUMENTS CONTAINING MY WET SIGNATURE PROVING I OWE THIS ALLEDGED DEBT. I DID NOT CONSENT OR AUTHORIZE NCAC TO OBTAIN MY INFORMATION AND CONTACT ME. THEY HAVE BEEN ADDING NEGATIVE MARKS TO MY CREDIT REPORT WITHOUT MY CONSENT AND REFUSING TO REMOVE THE MARK. ANYTHING DONE ABOUT ME THE NATURAL PERSON WITHOUT MY CONSENT IS IDENITY THEFT. AT THIS POINT THEY ARENT SEEKING TO AVOID LITIGATION, AFTER CLEARLY BREAKING FCRA LAWS. IAM SEEKING LITIGATION AS OF NOW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I went to apply for a mortgage to buy a house for me and my daughter and was denied because of negative accounts on my credit profile. After reviewing my credit report I found that someone has been using my name to obtain credit. None of the accounts listed in my identity theft report belong to me. This is extremely frustrating as I am trying to buy my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my girls Inquiries : XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been sending letters to all XXXX, TransUnion, and XXXX  to validate a XXXX XXXXXXXX XXXX debt they claim is mine. I have went through an Administrative Process with XXXX XXXXXXXX XXXX to see if they can bring forth original, signed documentation, but they have not done so. I am nervous that these credit agencies are just using the XXXX system to validate the debt, which I never gave consent to.

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 2020-12-22
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Lost card when I had an account with them sent bank memo and police report advising of such. Post dated autopsy enrolled resulting in returned payment. 

They closed my account then advised they would be reopening. After months i continued to go back and fourth with every rep offering a different answer. 

I was advised allow 30 days that never happened. Then after months of following up instructed to reapply contrary to what I was informed by over 8 reps. I was advised I was blacklisted by a special department and transferred to the office of the President.

The condescending representative from the office of the President stated she has no idea why my account was flagged as payments were kept up and the account paid off it should be removed she would have removed but they would not reopen Then they refuse to remove and have blacklisted me for life she stated. What kind of service are you running are you serious?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CURO Intermediate Holdings
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, AD ASTRA RECOVERY SERVICE, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS ACTUALLY MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate under the name XXXX XXXX. I have never signed a CONTRACT or PROMISSORY NOTE with this company. Whereas I believe them to be a debt buyer, AD ASTRA RECOVERY SERVICE must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, ON THE PUBLIC AND PRIVATE SIDE that pertains to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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