BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
At XXXX point in my life, I was married. My spouse and I got a divorce that finalized in XXXX. While married, my spouse and I had a joint bank account with Wachovia ( Which is now a XXXX Account ). The account was originally started by myself, in XXXX, but I added her to the account after marriage in case of emergencies. After our divorce, Wells Fargo would not allow either myself or my ex-wife off of the account without both of us being present. I asked about it in person, she later requested in after Wells Fargo almost deposited her pay check into my bank account. I was told that we both had to be present, which seems impossible since we live over XXXX miles apart now. 

A couple of days ago, my ex-wife made some bank transactions to pay bills, and wells fargo took the money from my bank account. I had spoken with my ex-wife about it, I am not sure how honest she is being, but she claimed that she tried to leave the bank account, but was well aware that we were still joined on the account ( Despite her last name being completely different now ), and that she tried to leave the account after they almost deposited her paycheck into my account, but they would not allow her to do so. 

The bank is not allowing me to dispute the transaction at all, despite the fact that my ex wife has a completely different last name, we are n't married anymore, and it appears as even if I continue to bank with them ( Which is unlikely to happen ) that we will always be automatically linked to the original account in some way shape or form. As a result, I feel as though they are trapping me, and or refusing to resolve a simple 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 2023-01-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
I filed the police report against fraudulent activity on credit card, the police report was filed on XX/XX/2022 and I received the official copy on XX/XX/2022, I called your fraud department and left a voicemail at the phone number XXXX, but I haven't heard back.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, Bankruptcy Account # XXXX, has violated my rights. 

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 a account without my written instructions

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX TRANSUNION XXXX XXXX REGARDING XXXX XXXX XXXX XXXX GEORGIA XXXX FRAUD XXXX  LOAN AND FRAUD XXXX XXXX ACCOUNT FRAUD XXXX AND XXXXXXXX XXXX ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER XXXX XXXX OR 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: College Ave Student Loan Servicing, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX, I was made aware that my student loan had incorrectly been sent to collections. Not only that, but my student loans repayment plan had incorrectly kicked in ( while I was still in school, full time ). The only reason I found out was because I graduated on XX/XX/XXXX and I wanted to inquire about my repayment, since I was sure this would be coming soon. 

Shortly after I was informed that my loan had been sent to collections, I also learned that my credit score, along with my co-signer 's had been negatively impacted. Thinking this is unacceptable, I attempted to fix this by calling College Ave. During my first call, the clerk said " I hope we can take your account out of collections, since you being in school is definitely grounds for not having to start repayment ''. She gave me the email address to send all my documentation. I sent this the same day. Proof of enrollment all through XXXX, and then my graduation date. 

I called again today, and XXXX XXXX said there's nothing they could do for me. That the account was now on track to collections, and that this is now my issue to solve. Well, I think it very well is College Ave 's responsibility to ensure my account is taken out of collections, and that a proper repayment plan is instituted. At this point, due to the damages this caused to both my and my co-signer 's credit, I'm also asking for some sort of compensation. 

I let XXXX know that if I don't hear back from her supervisor by XXXX XX/XX/XXXX, I will be contacting my attorney, and pursuing legal action. It's just unbelievable that a company this size does not have the decency to correct a wrong quickly and effectively. 

Extremely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX XXXX offer me a credit card when I purchased a laptop from XXXX XXXX store. Its been already one and half month, they have not sent me the credit card yet. They did not give me any account information and I am unable to access my account. As there is no online access I am unable to pay the monthly installment and my credit score is getting affected. Whenever I called the customer care they keep sating that i am supposed to get the credit card within a week but no action has been taken from their side.

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 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2020-09-30
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2020, I SENT THE CRA 'S ( XXXX, EQUIFAX, AND XXXX  ) DISPUTE LETTERS REGARDING THE INACCURATE AND INCOMPLETE ITEMS THAT ARE REPORTING ON MY CREDIT.I HAVEN'T RECEIVE THE DOCUMENTS I REQUESTED FROM THEM ON THE XXXX.I ALSO ATTACHED COPIES OF THE LETTERS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
We had paid for a trip with XXXX using our Citi Credit card. The company took our money and then never returned it or paid the XXXX party for the service. The company essentially stole our money without providing any good or service. We noted this to citi multiple times noting that XXXX had taken our money and then declared bankruptcy. Citi noted there was nothing they could do besides for disputing claim with XXXX and their merchant bank. I believe this would constitute a billing error and Citi has never sufficiently answered this problem concerning the issue. It appears citi credit cards provide no protection and citi is unwilling to be responsible for stolen funds from our credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions

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 2022-05-26
Company: EQUIFAX, INC.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XX/XX/XXXXDear Consumer Financial Protection Bureau ( CFPB ), On XXXX XXXX, 2015, I submitted an email requesting guidance regarding several issues which will be discussed later. On XXXX XXXX, 2015, I received the following response email : '' Thank you for contacting the Consumer Financial Protection Bureau. 

Please contact the CFPB 's Consumer Response team directly at XXXX, or go to the CFPB 's website at http : //www.consumerfinance.gov to ask questions, file a complaint, check the status of a complaint or obtain additional informations on the CFPB 's regulations or other matters. " Since, the CFPB is an independent bureau funded by the Federal Reserve, tasked with drafting and enforcing regulations for banks, equity markets, credit unions, debt collectors, mortgage lenders, and other entities offering financial goods and services. Functions and Responsibilities of the CFPB Essentially, the CFPB is a watchdog agency tasked with protecting consumers from unscrupulous lenders and other financial institutions. While the bureau has some unique responsibilities, the CFPB also will assume existing duties once carried out by the Federal Trade Commission and other government agencies. 

We are requesting assistance with respect to Trans Union. 

FACTS AND ISSUE ( S ) I. Trans UnionTransUnion Consumer RelationsXXXX XXXX, PA XXXXTRANSUNION FILE NUMBER XXXX dated XX/XX/2015XX/XX/XXXX, Dear TransUnion , I am in receipt of your response to my XXXX XXXX, 2015, request for deposed information. Your response was void of the information. If you are n't the proper venue even though you sent the information to us can you please provide us with the agency that can assist us and/or who oversees your operations? Regards, Courtesy copy of request to Consumer Financial Protection Bureau ( CFPB ). CFPB if you are n't the proper venue please forward my concerns. 
A. The duties and the legal requirements of Trans Union a credit reporting bureau is predicated on evidence and facts. We received a notice from Trans Union on XXXX 2015 and subsequently requested a credit report. The report had some unsubstantiated information so on XXXX XXXX, 2015, we requested deposed documents to support the unsubstantiated information. 
B. We are requesting your office to either contact Trans Union to obtain the requested deposed documents since they just ignore us or forward our concerns to the appropriate governing - body. 

Regards and if additional information is required please let me know, XXXX XXXX, XXXX. 
__________________________________________________________________

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: WELLS FARGO & COMPANY
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been called by Wachovia dealers services everyday for the past three ( 3 ) weeks. I have a vehicle loan with Wells Fargo Dealer Services, my payment are approximately {$27000.00} per month, I have been payming {$300.00} permonth for over a year now and they are still saying that payments are late and the I am accrueing late charge, they are also charging me for insurance at {$32.00} per month because they say I do not have coverage on my vehicle. My vehicle is covered with full coverage thru XXXX, and it has been proven them to them at least twice. They refuse to remove monthly charge for the insurance and they refuse to even acknowledge that my payments are not only on time but over the amount necessary. I have just received a call from them again, and I will probably get another one this evening, their phone number is XXXX XXXX. Could you please do something to make them stop the everyday calls and to research their records to see that they are in the wrong not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 my account was debit the amount of XXXX overdraft fees. XXXX was for the overdraft of the NO-ATM used for {$200.00}. This was never my dispute. On XX/XX/2016 I submitted the complaint for the XXXX bill of XXXX {$68.00} and XXXX ( XXXX ) checks # XXXX an # XXXX. in order not to given me any more Customer overdraft privileges I was retaliated against by Wells Fargo to stop my Overdraft privileges. There are several customer that works with me that Overdraft their accounts on a weekly basis in which their Checking account is not linked to any Savings and has not been denied access to Overdrawing their account. Since I contacted your office I have been having a problem with some of the privileges that the bank has to offer. There is no reason for me not to be treated fairly as other are being done. I would like my privileges returned. According to the bank they did return XXXX fees but it was only XXXX. I am a loyal Customer, so why I ca n't have those privileges returned? 


saving account and still has privileges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a loan modification and the Mortgage company denied my request stating I had sufficient income. I had to withdraw money from my XXXX incurring penalties so I can make my payments. They sent me an appraisal report showing that I 'm under water on my property but have not offered me a better solution. Back in XXXX when I was having financial diffuculties paying I asked for assistance and instead they forced me into foreclosure and bankrupcty. I have just gotten out of bankrupcty and am looking for a modification and they are not willing to work with me, which I do n't understand why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I was going through Wells Fargo to refinance my home. During the process, I was deceived and flat out lied to on at least XXXX occasions. The major lie was made when the appraisal of my home came in lower then expected. I was instructed by my loan officer that I needed to submit a letter to the appraisal company disputing their appraised value of my home. I wrote the letter and sent it to Wells Fargo like I was instructed to do. They were supposed to send the letter onto the apprasisal company. After asking numerous times what the outcome was of the dispute, I was told in writing that, they would not budge on the appraised value. After going back and forth and asking for the dispute denial in writing in turned out that Wells Fargo never sent the dispute letter to the appraisal company. After speaking to the appraiser again, he stated in writing that had he got our letter he would have changed the value. Because my home did not appraise for what I needed it to appraise at, I then had to buy down points in order to stay of of off sheet interest rate pricing. Wells Fargo was extremely deceptive and lied to me on numerous occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently visited XXXX shopping to buy a new home and was told that I had to get a loan through their " preferred lender '', Wells Fargo, to receive the builder incentive of 1 % of the purchase price. I later found out that the builder supposedly has a " marketing arrangement '' with Wells Fargo, which sounds like a form of " kick back ''. I have friends that work for Wells Fargo who explained to me that loan officers on the XXXX XXXX accounts have special treatment not only by the builder but within Wells Fargo and makes much more in commission than other loan officers. They supposed get favorable treatment starting from pricing, to processing, underwriting, appraisal, etc. It does n't seem like an ethical arrangement to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
When I was trying to get a SUV car, they did a lot of hard inquiries on my report XXXX XXXX, XXXXXXXX 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 XXXXXXXX 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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

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 a account without my written instructions

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