BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I sent {$200.00} through my banks ( Wells Fargo ) mobile application XXXX for some sporting event tickets. The person I was buying the tickets from sent me his name and email and phone number. After transferring the money through XXXX. The person never sent me the tickets and stop answering my calls or emails. I went to Wells Fargo and they informed there was nothing they could do for me since I authorized it. They did tell me it went to someone's account at XXXX  XXXX XXXX. I went to XXXX XXXX  XXXX and they told me there's nothing they could do to help file a complaint because they have to protect there customers and since I'm not a customer of theirs. There's not much I could do but file a police report, which I did, and to call back XXXX XXXX XXXX customer support and file a claim.I did what i was told, I filed a police report i called XXXX XXXX XXXX back and they were still not willing to file any type of claim or help me at all. They told me call XXXX and see if they could help me. XXXX was of no help either. There customer support is automated. You can't even speak to anyone in person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SunTrust bank failed to prove their account belongs to me. While in the process of validation the account was sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX has also fail proving their account belong to me. Neither SunTrust nor XXXX XXXX  XXXX are Holders in Due Course.

SunTrust reported a balance of {$100000.00} and XXXX XXXX XXXX reported a balance of {$97000.00} each reporting the same account numbers.

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 2021-04-29
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In late XXXX, Santander Consumer USA AutoPay correctly deducted XXXX for my auto finance monthly charge. I went into my online account to ensure the payment processed and somehow another manual payment was processed for XXXX. I noticed this on my online bank statement several days later, as it put my checking account balance in jeopardy of being in an overdraft state. I contacted Santander customer service immediately and explained the double payment situation, for which they assured me they would refund the error of the second payment to me, so as not to disrupt my AutoPay setup. I eventually received the credit. 

Today, XXXX  XXXX, I called customer service after receiving an automated email from their system stating there was " a problem making my XXXX payment with AutoPay '' at XXXX on XXXX XXXX. I logged into my account, received a message that AutoPay was enabled, and proceeded to my account, which showed my account now past due and only an option to pay my XXXX amount by credit card or debit card ( no checking account option ) with an associated fee. Customer service advised there was nothing they could do ; it was a " system '' issue. I asked for a supervisor, who never returned my call. The representative informed me that the refunded double payment was noted as " returned ''. Customer service rep advised their actions were in no way reckless or unethical and were in strict conformance with their documentation. When I requested said documentation, I was immediately put on hold for a supervisor, and my request was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I have been trying to remedy the impact of this on my credit file. I have been submitting documentation in reference to fraudulent account san they are still reporting within my credit file. The accounts stay in " investigation '' for months at a time with no resolution. At this very moment I am unable to dispute or upload supporting documentation as they are currently under dispute. These accounts are fraudulent. The fraudulent accounts are XXXX XXXX in the amount of {$420.00}, XXXX XXXX in the amount of {$370.00}, XXXX XXXX XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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 XXXX I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER 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 XXXX  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 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion Inquiry XXXX XXXX XXXX XXXX This inquiry was not approved or acknowledged by me. Transunion has failed to remove incorrect information on my credit file. I want this incorrect information removed immediately in compliance with the fair credit act.

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 2017-08-04
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:
Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and Equifax shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. Equifax has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion is reporting opened date and payment history wrong in this account ( XXXX XXXX XXXX ) Please this information needs to be corrected or removed the account 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 2019-02-20
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
16 yrs client. Received letter on XX/XX/19 stating bank wants to terminate relationship. No reason, no contact name, only a XXXX no. to a person ( named XXXX ) who connected me to another person who said that the letter was valid. But could give no reason.

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 2020-10-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
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:
Toyota Financial Services is continually to report late payment status. I have reached out several times to ask if their company can correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Exactly the same issue as reported in a CFPB complaint # XXXX in XX/XX/XXXX ( see the attach ). Chase Bank delete all the unauthorized inquiries at that moment to my credit file. And now access to my XXXX file on : XX/XX/XXXX / XX/XX/XXXX / and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/XXXX I XXXX XXXX opened a checking acoount with bank of a America, on XX/XX/XXXX yu I deposit {$610.00} to my savings account that I personally opened online, on XX/XX/XXXX I was soon to realize that both my checking and savings account was closed without my consent I was now told by an online advisor to go into a branch to retrieve my funds from both account. Behold I was told on XX/XX/XXXX th by the bank manger in the XXXX branch that I need my marriage license in order to receive these funds!! I madly waited until XX/XX/XXXX th to retrieve all funds!! Sadly the check in the amount of {$610.00} was never received until XX/XX/XXXX after several phone calls wee made from the local branch to the online or main office. At this time, I feel discriminated against by the manager at the bank whom rudely told me on XX/XX/XXXX that she have been married for over 20years and she have a copy of her Marriage license in her car. This was after I don't her no one drives around with his or her marriage license. I embarrassely left the bank annoyed by her response or type of identification that was needed in order to receive over Four thousands dollars that was in my account that I still have no clue as to why it was closed up until XX/XX/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 explanation
Consumer complaint received 2023-02-06
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Saturday XX/XX/XXXX at XXXX I received a call from Nationwide Credit Inc ( XXXX ) and spoke with a representative. Usually I don't answer unknown numbers but because my Identity has been stolen, I'm receiving calls from Banks in regards to my credit freeze and fraud alert. So I'm answering every call I receive because I don't know if it's a bank or not. I wasn't aware of Nationwide as a debt collector so I did not want to give my personal information to the representative, I said I would call back because I need to verify the information. But the representative became very pushy and aggressive and I told him I don't trust him and I don't know if he's a scammer too so I'll call back. The representative hung up the phone and immediately called me back on a separate line ( fake phone # XXXX at XXXX ) to cuss me out, insult my wife and mother, and make threats against me. It was clearly the same guy because it was the exact same voice and he said he was going to use my information to steal my identity as well. I hung up on him and first verified NationWide Credit as a debt collector and then called them back to report him but the offices were not open because it was the weekend. 
I included documentation showing that they are a debt collector attempting to collect a debt ( I found a correspondence from them ) and screenshots from my phone of the incoming calls, the time of the calls and the duration of each ( which shows he called me immediately ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I received a direct deposit from the SBAD Treas XXXX on XX/XX/2021. I received and email stating my funds where available. The next morning I couldnt use my card. Called and found out the account had been suspended. They couldnt give me a exact reason why and told me there was no number or email just a P.O. Box where I would have to send a letter. I did that and still havent heard anything. I wasnt notified about the account being suspended or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

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 2018-04-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Issue number ( 1 ) Select Portfolio is continuing to harass me on my mortgage loan stating that there is a lien on the property and possible foreclosure if no resolution is met by XX/XX/XXXX. 

I applied for a loan modification XX/XX/XXXX with Select Portfolio Servicing, and was told that the Lender ( XXXX XXXX ) will have to review and approve my loan modification. 

Issue number ( 2 ) XXXX XXXX coerced me into their in house loan modification in XX/XX/XXXX, when in fact, I qualified for the HARP Loan Modification since XXXX is a bank. XXXX was fully aware of this since the Federal government gave them " Bail out '' money for distress loan such as my mortgage. 

Issue number ( 3 ) Bankruptcy Court showed a balance of {$220000.00}, when I got my notice from Select Portfolio it showed {$240000.00}. When I contacted SPS, they stated that all the arrears was added in the back of the loan, but still SPS relationship manager said there's a Lien on my property and has to be resolved by XX/XX/XXXX or they will contact an Attorney to seek possible forecloser.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 Trump signed into law exempting certain banks from CFPB regulations. On XX/XX/2018 I got my first fee ... my bank, Key Bank, began charging " maintenance service charge '' of {$18.00} each. They also charged me a " foreign transaction fee, '' and told me it was due to buying something outside the country ... which I have done many times for baking or jewelry supplies. These are fees I have not had on that checking account since opened 10 years ago and nothing has changed with my use of the account. 

Fees appeared on the following dates : XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$0.00} - foreign transaction fee XX/XX/XXXX - {$18.00} - maintenance service charge Before XX/XX/2018,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim od identity theft. My information was used to open an account with XXXX. I have not authorized this account nor have I received any benefits from it. 
As soon as I found out about it, I contacted the Transunion and XXXX  and requested that they promptly block the information from appearing on my credit files. 
Instead of blocking the information, they just opened an investigation which did not produce any results. As of today, the account still appears on my credit file. 
This affects my ability to obtain 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 2020-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 made a purchase with XXXX on XX/XX/2019 for a XXXX XXXX XXXX XXXX for {$270.00}. I received a broken tv and returned it to XXXX. I requested a refund, however, my Bank of America checking account that was used to make the purchased was closed on XX/XX/2019. I informed XXXX, I was told they would get back to me. XXXX sent me an email saying they issued the refund to the closed account on XX/XX/2019. I contacted XXXX and told them I cant get a refund in the account because its closed. I was told to take it up with the bank. Since then I have made countless calls to XXXX and the Bank trying to get my money back. I even went to the Bank physical location about it and I was told that the money is not showing as returned and it would have been automatically rejected and sent back to XXXX because the refund was sent over a week after the account was closed. I went to a XXXX branch and the manager told me its an online order so I have to call corporate. I called XXXX and spoke with supervisors and managers who keep telling me the money was sent to the bank so I have to take it up with the bank. I dont understand how it would be possible for XXXX to send a refund to an account that no longer existed, that makes no sense whatsoever. The bank has provided me with proof showing the account was closed before XXXX did the refund, as such it means the money would still be with XXXX, but XXXX is adamant they didnt get back the money from the bank. I have been trying since XX/XX/XXXX to get my refund and have been getting a run around with both the bank and XXXX. I have even been hung up on. I just want to get my refund.

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 2020-07-20
Company: Experian Information Solutions Inc.
State: MD
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:
I filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.

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 2018-09-29
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacting me all hours of the day. Contacting my job. Calling me on the weekends after hours from a text now number.

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 2017-08-04
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I deposited a check for {$950.00} through the mobile pnc app on X/XX/17. The following monday I received a notice of a hold on my deposit and I spoke to the teller at PNC and was assured that after 5 buisness my check will be cleared. My check was cleared on Saturday X/XX/17. The following there was another hold on placed on my funds and has not been lifted since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: ERC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted enhanced recovery company in regards to my credit report. I have been a victim of fraud. I sent enhanced recovery company a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to enhanced recovery company to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX  ) and enhanced recovery company disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay enhanced recovery company and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!

Company response to consumer: Closed with explanation