BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife was laid off on XXXX XXXX, XXXX. Modification request was completed on XXXX XXXX, XXXX. XXXX XXXX XXXX stated, " We 're unable to complete the review if we are missing documentation, so we may request updated financial information. '' What information did Wells Fargo use to make your final decision if you were missing financial information? This decision was made in XXXX business days from the time my wife was laid off her job. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? How can you calculate 42 % of 0.0 income? Why did it take Wells Fargo XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 

XXXX XXXX XXXX of Wells Fargo stated, " A review for HAMP Tier II was also completed and we were unable to approve you for a modification because the documentation provided at the time indicated that the modified payment would be more than 42 % of your monthly income. '' On XXXX/XXXX/XXXX XXXX XXXX XXXX of Wells Fargo stated, " Based on the documentation you provided us, your proposed monthly modified payment would be more than 42 % of your monthly income. We reached this decision by reviewing your monthly income, which is calculated as {$0.00}. '' Based on this information, why did Wells Fargo based final decision on information provided on XXXX XXXX, XXXX? 

Questions we would like Wells Fargo to answer:1. Why Wells Fargo base final decision on information provided on XXXX XXXX, XXXX? 
2. Why was n't the decision based on information provided repeatedly through congressman XXXX office, Faxes from branch Well Fargo offices in XXXX? 
3. How can you calculate 42 % of 0.0 income? 
4. Why did it take Wells Fargo only XXXX business days to make a final decision when you found out my wife was laid off XXXX XXXX XXXX? 
5. How many home owners have been given HAMP Tier II in or around XXXX XXXX, CA which is where we live? 
6. Can we have a HAMP Tier II ASAP or by XXXX XXXX, XXXX because our house will be Trustee sold on XXXX XXXX, XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AMERICA FIRST FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UT XXXX In this bank I opened and closed the following accounts : OPENING Checking Account # XXXX XXXX {$1.00} XXXX Savings Account # XXXX XXXX {$370.00} XXXX XXXX Account # XXXX CLOSING Checking Account # XXXX Savings Account # XXXX XXXX TRANSFER {$5.00} XXXX XXXX Account # XXXX XXXX TRANSFER {$330.00} XXXX In XXXX XXXX XXXX, UT, I tried to purchase two different properties and the realtors rejected my cash offers with ridiculous excuses. I strongly believe this bank told the realtors that I WAS UNDER INVESTIGATION AND THAT THE BANK COULD NOT PROOF MY FUNDS, WHICH IT IS A LIE. The consequences of this FRAUDULENT UNDER INVESTIGATION STATUS has caused me the following : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them doe to the merciless harassment ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints.. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. The most strange is that any lawyer wants to take my case. I AM MARKED. 
I request the police let me live at peace, being secure, and have a productive life, without torture and the degrading treatment the different police departments have been doing to me for THE LAST FIVE YEARS in a daily basis. 

- XXXX XXXX Cashiers Check to open accounts in America First. 
- Two cash offers to two different realtors are attached. 
- Police reports made in UT. 
- Cashiers check that America First reported as fraudulent to XXXX XXXX XXXX XXXX manager when I closed the account in XXXX, ( for {$18.00} XXXX ) - Closing account letter. 
- TWO Wire transfers receipts from America First to XXXX XXXX XXXX, XXXX XXXX, California, bank that was the ESCROW to purchase my property in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
As a victim of identity theft, I disputed various items on my credit report in XXXX, including XXXX. The investigation returned with no changes. I contacted XXXX regarding the account on my credit report, and was sent documentation verifying the account was a XXXX balance, and closed since XXXX 2016 by having been sold to XXXX. I had opened the XXXX account right before leaving to serve my mission for my grandmother to always have money for groceries and food ; the information on the account was stolen or changed as well - including my name and the address I had on the account. The initial dispute and investigation returned no changes and the account information was not updated, including the high balance and the open status. XXXX provided me with the information that was sent to each of the credit reporting agencies in XXXX and XXXX - clearly indicating that the account was sold and had a XXXX balance, and verified that it was never requested by TransUnion as part of the dispute. TransUnion did not properly request, update or use the information. My grandmother indicated she never used the account ; I have tried multiple times to obtain the statements from XXXX and XXXX to see where the balances came from and what they were - but since the accounts are both XXXX balance and now closed, it is n't vital. What is vital is an investigation into TransUnion 's dispute practices to discover why the initial dispute in XXXX did not result in the correct changes - updating the XXXX account from open to closed and the high balance to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear CFPB Team, In XXXX of XXXX, I noticed that XXXX XXXX XXXX XXXX reported a debt of {$4500.00} on my credit report. Based on details gathered through XXXX, XXXX XXXX, and XXXX, this debt collection agency indeed begin to report this debt in late XXXX yet claims the account is open with their office since XXXX. 

I called XXXX numerous times and when I financial received a call back from one of their agents there was no cooperation to help me understand where this debt was coming from and why I did not hear from them before. Weeks after my first and only interaction with this company, I received an " Account Validation '' letter dated XX/XX/XXXX. 

I have since made several attempts to communicate with this agency and resolve this matter, the latest attempt on XX/XX/XXXX. This agency has gone silent. Their customer service number : XXXX leads directly to a voicemail. There is no email or other method of communication available. 

I find it extremely unfair for a collection agency to suddenly report a debt to the credit bureaus without properly notifying the consumer. Moreover, to report in XXXX a debt claimed to be held since XXXX without calling, sending a letter, or other notification in a good faith effort to settle the matter before impacting the consumer 's credit history. 

I have patiently waited and I have managed this situation as best as I could. From the beginning, I aimed to understand whether I owe this debt, and how this account could have possibly fallen through the cracks. 

However, XXXX denied me of my consumer rights of being timely notified of any debt and of the opportunity to settle any verified debt prior to affecting my credit report. This issue has gone over 5 months unresolved, due to XXXX 's negligence as a collection company. Similarly, this matter caused financial injury and defamation of character.

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 2021-01-18
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
THERE IS WRONG PERSONAL INFORMATION ON MY REPORT THAT NEEDS TO BE DELETED AND UPDATE SEE LETTER ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A XXXX account was open in my name in XX/XX/2012 I disputed this claim with XXXX ( Identity theft ) they in turn sold my account to portfolio recovery which I also filed out paper work with. They are still trying to collect this debt 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX. In XXXX XXXX, my Father XXXX XXXX expired, and on XXXX XXXX, I open up an Estate Checking Account via Wachovia Bank with Account number XXXX. Which is now Wells Fargo Bank, with Account number XXXX. On XXXX XXXX, XXXX there was a INTL WIRE FUNDS TRANSFER wired from my account XXXX without my Authorization. The amount was {$25000.00} Dollars, on my original Bank Statement it shows the Funds were transferred to XXXX. The person that received this transfer was XXXX XXXX whom I do n't know or ever heard of. This is the transfer information that 's on my Bank Statement REF/RFB # XXXX, ADVICE CODE : XXXX, Time of Transfer:XXXX ET. Also the bank ( Wachovia- Wells Fargo ) AUTHORIZATION AND SECURITY PROCEDURE : which rules and procedures include a requirement for you to sign a " FUNDS TRANSFER SCHEDULE A '' which I did n't sign any such document for my money to be transferred. The Bank Manager of Wachovia at the time was XXXX XXXX, she also told my husband and I that she had people in XXXX, and some times she goes there for vacation. I would like to say again that I did not Authorize this {$25000.00} dollars to be transferred from my Account. Also on XXXX XXXX, XXXX someone used my Bank Debit Card and took {$730.00} dollars off of it. But Wells Fargo has credit this back to my account XXXX this was done XXXX XXXX. I need Wells Fargo Bank to honor this FRAUDULENT WIRE TRANSFER, and credit my ESTATE of {$25000.00} dollars that my Father left me. They can send a Check to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX or Credit it to my Wells Fargo Account XXXX. We thank you in advance for looking into this matter for me. 
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 2020-08-18
Company: EQUIFAX, INC.
State: OK
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX  XXXX {$710.00} XXXX  XXXX XXXX  XXXX {$2400.00} XXXX  XXXX XXXX {$2300.00} XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$470.00} XXXX  XXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$600.00} XXXX  XXXX  XXXX {$510.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$560.00} XXXX/XXXX  XXXX   XXXX {$350.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$340.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$93.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed my credit report XXXX/XXXX/16. On Transunion, there is an account with the name XXXX XXXX states " open '', with a date of XXXX, and with money owed to it. The problem is ... .I never opened this account. I do not live in New York, so I do not know who opened this, or how without my signature/written consent. This, in my opinion is deceptive, and just plain fraudulent in nature. XXXX XXXX has misrepresented themselves on my report appearing to be a currently " opened '', delinquent creditor-type account that I signed up for. It needs to be removed immediately. I have never solicited to do business with XXXX XXXX, nor do I owe XXXX XXXX any money for services/goods.This info was previously disputed, however nothing has been done to remove it.

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 2016-04-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently requested a credit report thru my XXXX XXXX XXXX XXXX on XXXX/XXXX/16 ... I noticed a XXXX XXXX in my name with a XXXX XXXX address that shows that service being used on XX/XX/XXXX thru XX/XX/XXXX that does not belong to me ... I have never lived in XXXX XXXX and I have never used XXXX ... I need to dispute this incorrect information off my credit ... Please assist or advise ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Synovus Bank
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I recently took advantage of a suggestion off of XXXX to rebuild my credit. I made application with First Progress for a secured credit card. 
They took {$300.00} out of my business checking account in XXXX. I have called and asked for the funds to be returned as I never received the credit card. They said they would refund but they never have. They also took {$200.00} out of my daughters bank account and she never received the card. ( SEE COMPLAINT # XXXX with your office ) There appears to be a pattern of fraud, deception and embezzlement. 
XXXX should also have some liability in this as they are featuring this entity as a go to bank to rebuild credit or get first credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
HSBC had a deal wherein you could open a new checking account and either pay 2x bills a month with the account and/or make direct deposits. I completed the bill pay portion but now they are saying I had to use their special portal. Nowhere is that specified, more than 2x bills were paid and they are using it as an excuse to not pay out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, FL 32907 XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX, FL 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 2017-04-08
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is a complaint against PNC Bank, with my checking business account. There was a lot of transactions with my debit card that were n't authorized with me and also with the establishments of stores and also a lot of atm retirements. I have contacted the bank because I received an email of alert and I immediately called to make the claim that those purchases were n't authorized by me but went through without my permission. I asked to have another express debit card because they have left me without money in the bank. After, they switched me to the atm services of the bank, I had to push through to have my claim go through. There was a lot of retirements of atm that were n't made by me for months now. They did n't want to give me a claim number, and that the money would probably not return into my account. By the rules, I should have protection against these types of situations. The thing that upset me the most was that for the first time, I have to go to the physical bank to ask for claim but they ask me to call them through an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
After previously filing a complaint against Macy 's for failing to acknowledge that payment in full had been made on my account, they finally admitted that I paid them. 

But they now claim that they received payment XX/XX/2022, which is the day after payment would have been due and so they are reporting my payment as late. 

Yet they cashed the check in XXXX. 

How can they cash my check before the due date and then report the payment as late?

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 2022-04-16
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an unauthorized debit card in my name and mailed to my current address from Chime. Contacted chime to immediately close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX claimed I had not cancelled service and attempted to collect several months of service. Finally the company representative, after admitting they saw no activity on the account during the period in question, requested XXXX fax a copy of the XXXX contract to satisfy our claim. The copy of the XXXX contract was faxed and the information over and the item was removed from my credit report. It has now been placed back on my credit report by Enhanced Recovery Company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief