BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On behalf of my XXXX children XXXX XXXX XXXX and XXXX XXXX XXXX Wells Fargo had me and my daughter with the same number that every person should not share as if we were the same person. I forgot the number but then I went back requesting missing child support payments for my kids it doesnt show what child support is stating was paid. Also, when I had the account with them since 2010 when they were called XXXX there were missing payments made to me, there was % and fees I didnt see while banking with them. They sent me XXXX small checks when they still havent paid for all the debit card fraud that was happening to my account, cyber criminals committing financial crimes using my account they paid me a total of {$700.00} for 3 different accounts. And one piece of mail was addressed to the wrong address an address I never used while banking with them. I only received the small check because I was forwarding all my mail. I explained to them from XXXX that I was dealing with identity theft, debit card fraud where I wasnt recieving their debit card through the mail and I kept having to use temp card while whom ever had the cards I never received. There was hidden accounts with my kids information money missing from IRS victims of crimes deposits and we never got those deposits. I want to know all the deposits made for my XXXX kids what happened to the money. Being i birth them, raising them and have no help with them. I want Wells Fargo to check all Accts from XXXX and find all Accts associated with me and my XXXX kids if they havent changed the names on the accts

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 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
My Debit card got blocked for suspicious transaction amount XXXX $ that the bank blocked and I had to call to check whats is the problem. 

I called the bank on XXXX XXXX and clearly indicated I don't want this transaction being authorized and asked them to unblock the card, The agent of Bank of America agreed and said she made a note in the system to stop this transaction from being debited then unblocked the card, After few days, on XXXX XXXX, from the card was unblocked I was surprised the bank allowed this transaction to be processed again causing my company loss of XXXX $ followed by XXXX $ apporx for international transaction fees, I called to dispute it but the bank didnt recognize and refused to refund me this amount. 

How come if I rejected this transaction before to be reprocessed if I unblock the card!!! The card should have been covered by insurance against these transactions and should provide immediate refund but unfortunately Bank of America didn't honor this insurance. 

I made a dispute and no response, I made many calls and finally filed a complain and again no feedback for weeks. 
My account number XXXX Name of Account Holder XXXX XXXX XXXX XXXX - XXXX XXXX My phone number XXXX Complain Number 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 monetary relief
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Some time back ( years ago ) my wife and I froze our credit reports. We are in the process moving to an apartment in Massachusetts and need to temporarily unfreeze the accounts. 

I tried to do this today -- XX/XX/2020. 

XXXX was easy. They have a user friendly website and I was able to unfreeze both accounts. 

On the other hand, both XXXX  and Equifax have very unfriendly websites and useless phone numbers that walk you down deadends and then hang up on you. Equifax uses non-American people who are very difficult to understand. 

I can not unfreeze the two accounts and am very frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These accounts affected me as I went to apply for a mortgage and was denied the accounts were not notated they asked me what was going on because this account was not notated. Creditor : XXXX  XXXX  XXXX, Account : XXXX Creditor : XXXX XXXX XXXX, Account : XXXX So I demand these accounts be deleted from my consumer report immediately. 15 U.S.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$11000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Simple Bank itself is a great idea, the execution and customer service however is far from it. Not only am I unable to use my funds in any sense ( purchase something with my card, ATM withdrawal, transfer funds, etc. ) but they closed my account without any consent or communication to me. Now the only form of contact I have is over the phone and every time I call they hang up on me saying that 'I do n't have support ' and then the call ends. 

It has been months and I still have not received any of my funds. This bank should not only be shut down, but sued. 

Never been more dissatisfied in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, there was a fake closing on my property which I was the seller with no funding. The Title Attorney/Escrow Officer for XXXX XXXX XXXX XXXX orchestrated the deception and fraud is XXXX XXXX XXXX XXXX Her location is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX of XXXX XXXX XXXX, XXXX was the Investor/Buyer in this closing. XXXX location is : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, email : XXXX. XXXX and XXXX engaged in constructive fraud by misrepresenting a closing on XX/XX/XXXX in which they both knew there was no funding. The continued the deception by fraudulent non-disclose of material information including the closing records, proof of payoff. XXXX breached her duty of care and fiduciary duty to XXXX by failing to advise the XX/XX/XXXX closing was not legal. XXXX engaged in selling the property, again, from XXXX to another Investor Buyer, XXXX XXXX, of XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX address is : XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, email : XXXX. XXXX XXXX, an Attorney, sent me a letter in XXXX stating that she purchased the property from XXXX on XX/XX/XXXX and knew that the XX/XX/XXXX closing had no funding. XXXX bad business practices included misappropriating of funds. XXXX recorded false security instruments, General Warranty Deeds executed on XX/XX/XXXX and XX/XX/XXXX to be recorded by a government agency, the XXXX XXXX Clerk, XXXX XXXX XXXX, of XXXX Texas on XX/XX/XXXX and XX/XX/XXXX respectively. XXXX intentionally filed the XX/XX/XXXX instrument after the XX/XX/XXXX closing was done and waited three weeks to file the XX/XX/XXXX closing so it wouldn't affect the chain to title on the property. XXXX knew that her conduct was contrary to my interest. Her actions incited me to vacate my property when it property was not legally sold so it may be illegally transferred. XXXX unprofessional conduct, fraudulent and deceptive actions caused me financial and mental damages. The Creditor, Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX refuse to send a copy of the check/wire that paid off the debt. There is no way to see what was paid off and/if a Short Sale was negotiated or the payoff was renegotiated since I had disputed the amount. I would not have sold my property to XXXX XXXX if I did not close on XX/XX/XXXX. XXXX took that option out of my hands when she misappropriated funds and property on XX/XX/XXXX. I have never received a closing package from XXXX. The only document I received was a HUD Settlement Statement in XX/XX/XXXX which has the XX/XX/XXXX closing information which is not true. The XXXX, XXXX XXXX, confirms she did not fund the property on XX/XX/XXXX or ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Under the counsel of my HUD advisor, I had sent an appeal request to my lender US Bank Home Mortgage in regards to a denial letter dated XXXX/XXXX/2015. According to their denial letter, my appeal needed to be submitted no later than XX/XX/XXXX XXXX,2015 I sent my appeal letter directly to my relationship manager as well via certify letter on XXXX/XXXX/2015, and I also gave my relationship manager a call letting her know that my appeal letter had been sent. ( left a voice mail on XXXX/XXXX/2015 ) no response. I left a second voice mail on XXXX/XXXX/2015, no response. Being concern that I was hearing from my relationship manager, I called again on XXXX and talked to another agent from US Bank and I was told my she would pass on the message to my relationship manager because she was the one in charge of my file. 
On Monday the XXXX, I had a missed call from XXXX XXXX XXXX, my relationship manager, I called her back on this day ; but I was not able to talk to her. Finally, XXXX XXXX called me on XXXX telling me that because I had sent my correspondence to the wrong department, US Bank Mortgage, XXXX XXXX XXXX XXXX, MN instead of US Bank Home Mortgage, Escalation Center, XXXX XXXX XXXX XXXX, MN. and despite the fact that I had also faxed the appeal letter directly to her on XXXX/XXXX/2015 they were no longer considering my case, and she suggested to sell the house. 

I related this answer to my HUD counselor and she advise me to contact as soon as possible the Consumer Financial Protection Bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with TOYOTA MTR. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and TOYOTA MTR with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX, XXXX XXXX, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.

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 2017-01-28
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a letter from US Bank saying they would close the account on XX/XX/2017 and would send me the amount in the account NOT A PORTION VIA CERTIFIED MAIL. On XX/XX/2017 US Bank withdraw ONLY A PORTION OF MONEY, " leaving some there. '' I have a print out ATTACHED. ON XX/XX/2017 I went in the XXXX XXXX XXXX branch where the banker called several people who said they ALREADY SENT me MY MONEY via certified mail. XX/XX/2017 I go in XXXX branch and XXXX XXXX tells me that the XXXX branch who sent me the letter INSTEAD OF SENDING IT TO ME AS PREVIOUSLY TOLD, US BANK REDEPOSITED THE MONEY TO THEMSELVES ALSO THERE ARE " DEBIT HOLDS AND CREDIT HOLDS '' CAUSING ME UNABLE TO USE THE ACCOUNT. THE BANK IS STEALING MY MONEY " REDEPOSITING IT WHEN I WAS TOLD BY XXXX BRANCH IT WAS ALREADY SENT BY CERTIFIED MAIL TO ME. ''

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 2017-03-22
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello! 
Having an issue with mortgage lender, been treated unfairly with my loan amortization. Loan have been active for about 13 years or so in good standing. The type of loan I have is a fixed rate bi-weekly Conventional, periodically I 've made additional principal payment to reduce loan balance. Last year the loan crossed over to where more principal is paid than interest out of my bi-weekly payments. My last payment ( XX/XX/XXXX ) was not so, They took out more interest {$170.00} vs {$140.00} going to principal, last correct payment ( XX/XX/XXXX ) was {$160.00} going to principal and {$150.00} going to interest. Now after payment was electronically withdraw from my account on XX/XX/XXXX I made {$100.00} principal only payment, so after the additional payment was made that 's when the error occurred ; however, I took a look back in history and noticed that sometimes when I 've made additional Principal only payments the amortization payment schedule seems to go back into interest column, like their still collecting interest that I 'm eliminating from the extra payments. When I last called to get explanation, they claim my account was short, but how could that be when for the life of this loan ALL payments have been deducted from my checking account without fail every two weeks. I keep track of all my payments to Citi-mortgage and it appears something is wrong, sense I 've been calling they made many changes to the amortization payment schedule and I 've made copies. Usury laws are in place to protect consumers and I think citi mortgage is in violation by prolonging my efforts to pay them off. FYI was only able to pull payment history for last two years, could n't pull history past XX/XX/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 2022-08-18
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 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 has violated my rights.

15 U.S.C. 1681 section 602 A states I have 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.

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: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reported By : RECEIVABLES PERFORMANCE Account Balance : {$1300.00} * Open Date : XX/XX/2020 They are putting a derogatory mark on my credit report when it is known that this was agreed by XXXX to be closed. The contract was ended and I sent all the equipment back. Now they are harassing me and saying that I owe this debt. My contact was ended. My balance was {$0.00} after they assured me that since the service didn't work in my area they would waive the cancellation fee of the contract. They are making false claims and hurting 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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9900.00}, {$9800.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$9800.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
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:
there are several accounts appearing on my credit report. i do not recognize these as mine. someone has fraudulently opened these accounts and they cant be reported on my credit. there is a XXXX XXXX/XXXX    account opened XX/XX/XXXX. a XXXX XXXX  XXXX opened XX/XX/XXXX. a XXXX account opened XX/XX/XXXX. a XXXX XXXX XXXX opened XX/XX/XXXX. a XXXX XXXX XXXX XXXX   opened XX/XX/XXXX , another XXXX XXXX XXXX XXXX  opened XX/XX/XXXX and lastly an XXXX XXXX XXXX XXXX  XXXX  was opened inXX/XX/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