BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We are small business owners. My husband and I share a Wells Fargo business checking account. I can not get an online access setup even after calling the XXXX customer service department several times, while my husband has no problem getting his online account set up with their help. We both have very high credit scores and work at the same company. They could not tell me why they couldn't help me and I felt I was discriminated against the way they treated me. After spending hours talking with different people and being transferred to more people. At the end. I gave up. Since my husband 's on-line access is working, I am fine without the online access, I thought. That is until today, when I received a cashier 's check in mail from Wells Fargo, They decided to close our bank account without our consent, explanation, nor prior notification. This resulted in disruption and loss of money since we could not receive our monthly payment to the account. We have never requested to close the account. The over {$2000.00} cashier check we received does not have our names on it. They can not deposit to our personal bank account. We lost money because XXXX illegal activity. 

We would like CFPB to investigate Wells Fargo 's and help us recover the fund we have loss due to XXXX 's wrong doing. 

Thanks

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 2020-11-14
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
I was alerted on XX/XX/2020 by my Credit Monitoring Company XXXX XXXX. My former creditor Bridgecrest has reported fraudulent account information to XXXX  Credit Bureau. I have proof of the fraudulent data reported and will attached the document. I no longer do business with Bridgecrest. I paid off my auto loan with no balance and the company mailed me my vehicle Title. Bridgecrest has reported to XXXX  that my account is still open with them and that I have an account balance of {$1000.00}. Which is 100 % in accurate. I filed many complaints in regards to the illegal business practices that the company is doing and the harassment that I have faced and still is facing. The fraudulent information reported to XXXX  has caused a tremendous downfall in my credit score. As a U.S. Citizen, this is not right and the company needs to be fined for there illegal actions. Would you please assist with this matter? I have submitted several complaints and yet I am still be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I opened a prepaid card I received several months ago as a gift for the first time ( personally removed the seal and removed from package ) and logged in to check the balance for the first time on XX/XX/2020. I then discovered that the card had been drained with a series of small transactions happening sequentially with one second intervals on XXXX in late XX/XX/2020. 

The card was issued by US Bank and I was instructed on the back of the card to log into mygiftcardsite.com to check the balance. The site claims that there is a 24 hour service center, but attempts to call simply get cut off instead of transferred to a customer service representative. The links on the website for assistance load blank PDFs. I can not speak to someone to report the theft and initiate an investigation despite assurances online that there is a 24 hour service center.

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 2020-05-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted CONVERGENT OUTSOURCING and indicated I needed to know how the cable company ( XXXX ) had come to the amount they were trying to collect. ( {$400.00} ) I asked for them to send me a debt validation to include how they had come up to the amount. I indicated I had every intention to pay if I could figure out the nature of the charges as I believed that the owed amount was already addressed previously. I never got the debt validation and I see that this agency reported me to the credit bureau ( XXXX  ). I contacted the agency again and they informed me that they were going to report my account to yet another credit bureau unless I make the payment in full prior to them reporting it to XXXX  as well. I asked them if they had sent the debt validation via certified mail, since they would be able to see that I never got it. They claim certified mail is not a requirement and they only send via regular mail. I have verified the correct address but I am not getting the mail. Now I have two  options, wait for the debt validation and have my credit report be affected even more. Or make the payment blindly without getting the debt validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CADENCE BANCORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I enlisted the service of Cadence bank starting in XX/XX/2020 in order to make a transfer of XXXX USD in order to finish paying for a property purchase in XXXX. After four failed transfer attempts ( this string of disasters has been documented with the XXXX XXXX  over the course of approximately six months and almost losing the property due to Cadences inability to fulfill any of the four wire transfers to the XXXX XXXX bank account, I was forced to threaten legal action property purchase be lost. On the fifth attempt, the transfer was successful, which marks the beginning of the complaint that I am now submitting. 
Upon reviewing my Cadence account from which the XXXX XXXX was to be taken, I noticed two things which constitute the bulk of this complaint. Firstly, I had been charged wire transfer fees for each transfer attempt. I do not accept paying for four transfer fees that were never completed. The contact at the bank, XXXX, indicated that I must shoulder these fees due to the fact that despite the outcome, wire work had been performed and therefore I was responsible for these fees. I do not agree ; I did not receive the intended outcome for the service I ostensibly paid for, therefore I should not have to shoulder those fees ( the four failed transfer fees total XXXX USD ). I am obviously willing to pay for the one successful transfer, but not for five. 
Secondly, the amount which was taken out of my account totaled XXXX USD. I only authorised a transfer of XXXX. Upon questioning XXXX, she could not provide me with an answer ( the common response from Cadence is I am asking department X, Y or Z about it but subsequently do not receive any acceptable answer to my questions ). 
Essentially, after four failed international transfer attempts, Cadence has additionally 1 ) transferred more money that I authorised and 2 ) charged me for services that were not provided. 
I have sent an email to XXXX on XX/XX/XXXX explaining my position on these two points, but have not yet received a response from her. After 6+ months of dealing with XXXX XXXX from Cadence, I am understandably reluctant to wait any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: GA
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 my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, Most of my loans and credit card already paid full, however this information not changed for years. 
A company call me or send messages try solve my student loan debt what I never take. 
A company do request behind me for loan and after send me offers what I never requested!

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 2020-10-15
Company: Navient Solutions, LLC.
State: CT
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 have been sending documents to Navient on behalf of my loan discharge. I was told that I qualify for a loan discharge for ( ability to benefit and disqualifying status ) from a customer service representative from Navient after explaining that I have not been able to find employment due to having a criminal background. When I first submitted my application back in XXXX of XXXX, it was denied due to not having the State of CT statues that states the type of employment that you are not able to have due to having a criminal record. I re-submitted these documents days later with the statues attached. I was contacted by Navient and told that my application for discharge was denied due to not having the documents showing my criminal record before my loans were XXXX. I then submitted these documents to Navient in XXXX of XXXX. In XXXX of XXXX, I was told that my loan discharge was denied because I needed proof that the school was made aware that I had a criminal background before my loans were XXXX. I submitted a letter from the Associate Dean of the University of XXXX, that was written on my behalf for a pardon that I was applying for. I was again, denied because it did not state that the school was made aware that I had a criminal background before starting the program. I contacted the University of XXXX and received a letter in writing from the Associate Dean, stating that in XXXX of XXXX I notified the school of having a criminal background before starting in XXXX of XXXX. I uploaded this required letter to Navient in XXXX of XXXX. I was contacted by a supervisor and was told that the discharge was again denied and that I would need letters from jobs that I applied for, showing that I have been turned down for employment because of my criminal background. I contacted over XXXX human resource offices for past jobs since the completion of my degree and was told that, " I would not be able to obtain this information, because it is only kept in the system for 30 days. '' I have not found a job and was told by the University of XXXX that they assist with job employment resources to help find employment upon completion of the degree program. I have not been able to find employment due to having a criminal background, I obtained a XXXX XXXX in XXXX. I have a debt that I am not able to pay because I can not obtain employment due to having a criminal record. My discharge has been denied 8 times by Navient, I promptly submit the documents that have been requested and Navient continues to deny my discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Schreiber Law LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify Schreiber Law , LLC and affiliates to CEASE & Desist in all communications with me in regards to an alleged debt with XXXX or any other debts you allege I owe. 

Please be advised, that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Connecticut Attorney General 's office. 

Additionally, if I am contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company/firm for violation of the FDCPA. 

The emotional distress, anxiety, and frustration that I am suffering from due to your firms intimidating and constant contact DURING a PANDEMIC is beyond words. 

Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from you or your company/firm may be recorded to be used as evidence for my claims against you. 

Furthermore, I would also like to note herein that not only did I send previous Cease & Desist letters via mail to the Schreiber Law , LLC ( that were ignored ) that I also submitted a previous complaint with the CFPB about this firm. 

On XX/XX/2020 I submitted to the CFPB a complaint about Schreiber Law , LLC and requested that they CEASE & DESIST. Schreiber Law , LLC responded to the CFPB that they could not confirm who submitted the claim. Moreover, stated they would send a response directly to the consumer. In brief, my cease & desist request was ignored again and case was closed. 

In light of this firms response it begs the question. If Schrieber Law LLC, could not confirm who submitted the claim then how is it in their owns words to the CFPB do they respond by stating they will contact me directly?

I will enclose Schrieber Law, LLC 's most recent letter sent to me. I am in the hopes that the CFPB will take note of this deceptive and misleading letter sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This account was not done by me. Please remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Medical Business Bureau
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 status incorrect

Complaint:
On XX/XX/XXXX MEDICAL BUSINESS BUREAU entered two collections in my name, {$390.00} & {$160.00} respectively. 

Last year XX/XX/XXXX, I was involved in an auto accident, that resulted in injuries. It is currently under LITIGATION, with my law firm XXXX XXXX XXXX. All respective companies were alerted by my lawyer to avert COLLECTION practices. 

To date, I am unable to validate the debts claimed by MEDICAL BUSINESS BUREAU. I believe these to be FRAUDULENT, they are taking advantage of my vulnerability at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: MIDCOUNTRY FINANCIAL CORP
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a garnishment notice from my employer. I was working with the finance company and trying to set up a payment plan. The loan amount was {$3500.00} and I had paid approximately $ 400- {$500.00} towards the balance and they submitted the garnishment to my employer. They have already taken {$1900.00} in garnishments to date. I NEVER received a demand letter or notice of garnishment from them. Please help

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 2019-07-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My refinance loan that was closed with fifth third on XXXX has been completely messed up. They also have not even paid the allotted funds to their fifth third trio card and I have continued to accumulate interest charges. The title company also sent me an extra check for a capital one account that I do not have. I have reached out to multiple people at fifth third with no response and also contacted the title company who also provided no answers and told me I just need to contact fifth third.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions 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 am trying to rent an apartment so yesterday XX/XX/20 I applied at XXXX  XXXX  XXXX   and when my credit report came back I was told that I did not qualify to rent there due to an account reflecting badly on my credit. The account is from XXXX XXXX for {$1000.00} ; this account is not mine. I never opened it and I never allowed anyone to open it in my name. I have no idea why its on my credit history or who could have opened it using y personal information. I did not benefit anything from this account being opened in my name nor do I have any type of written or verbal contract with that company. I have already filed a police report and a complaint with the CFPB regarding this unauthorized 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 explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
Good Morning, I have had my vehicle loan with XXXX XXXX for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. 

I sent a message to XXXX XXXX stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. 

Im in the Home buying process and this 1 late payment is now causing issues with my home loan. 

Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief