BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  I was looking for Life Insurance with my wife and we settled on XXXX. I went through the process of speaking with some and paying an initial application fee of XXXX. I was assured that if I was not insured that the application fee would be returned in 30 days. My wife was denied insurance, and for this reason I decided to reject the insurance. I received a letter from XXXX acknowledging this, and expected to receive a refund within 30 days. Instead on XX/XX/XXXX I was charged {$130.00}. I called XXXX on that day and was told that they would review the issue and respond with a case number in 24 hours. They never responded so I contacted Capital One directly on XX/XX/XXXX and was given 2 credits of XXXX, was told that a block against XXXX had been put in place, and was told that if the merchant did not respond in a set out of time then the credits would become permanent. Transactions in the same amount ( XXXX ) occurred on XX/XX/XXXX, and XX/XX/XXXX. I contacted Capital One directly on XX/XX/XXXX to report the fraud, and was told that my card would be cancelled, and that the transactions would be refunded. I followed up on XX/XX/XXXX as the charges had not been removed and no credit had been given, and was told that not only would the charges be removed, but that it was determined that I was responsible for the transactions in XXXX and XXXX. This is in the face of the fact that it was already determined more than. 60 days prior I was determined to no be liable, and I do not have an account with XXXX. When is a grievous error, and is affecting my credit usage percentage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/23, I initiated a direct pay transaction from Well Fargo to a third party account that was also held in Wells Fargo. I thought this was going to a person, I knew. However, the account information provided to me was incorrect. The money went to an account that I don't know the owner of. 

On XX/XX/23, I called Wells Fargo to ask to reverse the transaction. I was told by the representation that since the name on the account would not match the name on the ACH, it would bounce back. 

On XX/XX/23, I called the bank again indicating the ACH had not reversed itself. They opened an case ( case # : XXXX ) and was told that I would receive a call within a day or two. 

On XX/XX/23, I called the bank again since I did not hear back from them. I was told the case was opened by mistake. Since I used direct pay, per the terms and conditions I was out of luck and it was too bad. 

Upon asking for next level I was told the same. I asked how it can be reversed and was told the receiver would have to initiate it. The receiver has a Wells Fargo account but they would not check with them to see if they want to reverse. I obviously don't know who the account holder is. 

I am out over XXXX from my business account that is unaccounted for. Wells Fargo refused to 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 2019-12-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried for 9 years to get my loan modified and survived several foreclosures scares.  As information, a XXXX XXXX XXXX  for XXXX XXXX  XXXX and XXXX  XXXX  operates on this property.   Recently, while doing research I found my loan is covered under the Department of Justice settlement with XXXX XXXX over Residential Mortgage Backed Securities.  Specifically attached documents verify my loan XXXX XXXX   is covered as per the DOJ statement.  Despite this, and contact directly with XXXX XXXX of XXXX XXXX, absolutely nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Their investigation did not fix an error on your report

Complaint:
I was checking my credit reports the other day and noticed that these accounts are inaccurate, and I need them removed from my credit reports because it is destroying my life! In Accordance With the Fair Credit Reporting Act the accounts listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Inaccurate accounts : 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 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 Incorrect Name : XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions. 15 U.S.C. 1681a-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. Someone knows that this information is inaccurate, and is negligent in correcting my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I deposited a check for {$15000.00}. to wells Fargo Savings. ten months later ON XX/XX/XXXX Wells Fargo reverse the deposit stating not endorsed. My account is now MINUS {$15000.00}. I HAVE SAT ON THE PHONE 5 HOURS. NO RESOLUTION, I HAVE OPENED SEVERAL CLAIMS REGARDING THIS MATTER. NOTHING. THIS CHECK CLEARED ALMOST A YEAR AGO. I DID NOT RECEIVE ANY WARNING THIS WAS HAPPENING, NOR HAVE I RECEIVE ANY NOTICES FROM WELLS FARGO BANK.

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 2021-11-15
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have my Home financed with Mr Cooper ( Loan # XXXX ). In XX/XX/2021 I was contacted by Mr Cooper via mail to refinance. I contacted their mortgage specialisXXXX and decided to go with a streamline refi to lower my interest rate. I was told to expect the close to happen in XXXX but could delay until XXXX. In XX/XX/2021, I was contacted by Underwriting related to Ownership and names on the deed ( My wifes name was added to the deed when it should not have been ). My wife signed a warranty deed to remove her name from the deed. The underwriter requested I send them the original warranty deed taking my wife off the deed, instead of having it filed at the court house, which I did. As of the writing of this complaint, I still have not been scheduled to close on this streamline refinance. I have in XX/XX/2021 requested in writing the return of my original documents including the warranty deed that has NEVER been filed. To-date have the documents not been returned, but no one from Mister Cooper will return emails or phone calls related to this matter. Not having this document filed, is now causing property tax implications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
this account was opened online on XX/XX/23 {$7700.00} was direct deposited to the account on XXXX i obtained a counter check as i have never written a check off this account and didnt have any checks to pay for a tree service we had that day i wrote the counter check in the amount of {$5000.00} on XXXX the check was presented via deposit and was paid from my account on XXXX the check was returned due to no signature on the account - opened online on XXXX i was called by the Tree company because they had the returned check same day i went to bank and signed a signature form and was told the tree company would have to wait until the next day to cash. 
i told the XXXX i would just take the cash and just pay him. 
first teller told me he could not give me my money because the check had a business name on it and it didn't match my account j- this makes absolutely no sense as i didn't try to deposit it to my account. 
second teller did something and then froze my account so i couldn't get money out via ATM. 
this is not the first time the tellers could not read their system correctly and gave me bad info- THIS IS MY MONEY second teller told me to come back in an hour they had to research the check ; when i asked what exactly they were researching she told me she couldn't tell me. 
again, what's the research for since it was returned from their status of " no signature on file '' at one point she told me i had to wait 5 days to get my money since it was returned. 
it was returned because of no signature on file not because it bounced!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I want to block and arrest the person who issues credits I am not familiar with from Capital One XXXX, Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 non-monetary relief
Consumer complaint received 2023-10-26
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Barclays Bank on XX/XX/23 for over {$10000.00} for a vacation rental issue. At the time I had spoken with the merchant, who agreed with my complaint and said they would not contest the dispute. After a month, I received letters from Barclays saying they would not send the dispute to the merchant, first because I needed to try and return the " merchandise '' and second because services were provided. I requested multiple times to speak with a supervisor, and was told none were available. I finally filed a complaint with the XXXX XXXX XXXX which got a response from the " Office of the President ''. After speaking with this person, Barclays finally sent the dispute to the merchant on XX/XX/23. 

I am in possession of the response from the merchant, dated XX/XX/23, where they asserted that they accepted the dispute and would not contest it. I have called Barclays multiple times inquiring as to why the dispute has not been finalized in my favor, given the merchant 's response. Each time, Barclays says they are still investigating, and can not give me a timeframe as to when my dispute will be finished. Multiple times, I have requested to speak with a supervisor in the dispute department, to be told there are none available and that they will call me back within XXXX hours. I have received no callbacks at all. 

It is now almost 3 months since I filed the initial dispute, and 45 days since the merchant responded to Barclays accepting the dispute, and yet I still have no resolution. I have emailed and called the Office of the President, and have received no response. I have now filed a second XXXX complaint, since this seems to be the only way to get Barclays to do what they are supposed to do under the terms of the credit card agreement. They are essentially refusing to refund money that the merchant has agreed I am due. 

This is absolutely awful customer service, and really has me wondering what Barclays would do if I actually needed them to advocate on my behalf, as opposed to the open and shut case that I just need them to process correctly.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

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 2021-11-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, Wells Fargo XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-04-17
Company: Experian Information Solutions Inc.
State: NJ
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 would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XX/XX/2018 Loans were taken out with XXXX to pay for XXXX University tuition and help with book cost. 
Acumulated over 100,000 in student loan debt. 
XXXX University is no longer a institution can even get help to talk to former representatives who work there. 
XXXX know as XXXX is transferring debt to Edfinancial. 
I put in two borrow defense application. One denied other going on a year in review. 
XXXX University and XXXX the parent company formerly known as XXXX has not tried to help discharge or forgive former XXXX University students with the lending company. 
XXXX University was misleading and fraudulent and has put XXXX in debt The degrees obtained from XXXX University are useless to many companies and in this day in age the credits are not transferrable. 
BIDEN ADMINISTRATION needs to add XXXX University to the list of schools for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ENCORE CAPITAL GROUP INC.
State: AR
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:
MCM ONCE AGAIN IS COLLECTING AND REPORTING THIS FRAUDULENT ACCOUNT, AFTER CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency. 
I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding. 
Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.

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