BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: AR Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. AT XXXX moved to XXXX  I was locked in XXXX.. In XXXX when check my credit bureau I found one account ( XXXX $ to medical charges ). I was call to agency collection and their said it's my account ... I told with them and said I need evidence about the bill .. their send me but never didn't receive. So I was call often time and their said this is your account ... ( I try resolved it's problem since XXXX ) .. but the agency don't help me .. At XXXX I can told with the supervisor and she send me the bill to XXXX .. The bill said the name of medical emergency and the address but not phone number .. so is weird because I was never go any emergency room in XXXX XXXX..only in XXXX XXXX   hospital than call and they said I'm not have some due with medical building.. so the agency don't have true evidence about where come the bill ... and won't delete this account of my bureau credit.. also I was never the phone number appears in the bill .. when looking in internet the address the emergency room I found other things.. for me its clear.. this account is a scam ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22 I noticed a collection from this company on my credit file. i sent them a letter informing them that im am not responsible for that account and it is not mine..I requested them to delete the inaccurate information they have failed to do so. i called into the dispute center alerting them of the fraud and was told they will send affidavit but that was never sent. i have now on XX/XX/22 sent out another letter by certified mail to have this inaccurate account removed from my credit. In addition I never gave ms services llc my consent to have my personal information or authorization to report this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was banking with Wells Fargo from XX/XX/XXXX to XX/XX/XXXX. One day i went to my account to withdraw money to find out my money was gone.. I was told that I deposited at check for XXXX and i withdraw the money.. i repeatedly told them i have n't took anything or deposit a check. They told me they will investigate the situation, and to call back in 5 business days. I called and i was told they could not talk to me about my account, something will come in the mail.. nothing never came, i have written all types of letter and still nothing. I went to open another account and they had a nerve to report me to XXXX. HOW?? THEY TOOK MY MONEY AND THAN LIED.. please 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 2022-04-14
Company: EQUIFAX, 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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX NAVY FCU Account Number XXXX XXXX Account Status PAYS_AS_AGREED Available Credit Reported Balance {$39000.00} Debt-to-Credit Ratio 100 % Age of Account 0 Month ( XXXX ) * THIS ACCOUNT IS CLOSED AND PAID OFF THE LOAN CHECK WAS RETURNED. 
ATTACHED IS THE LETTER FROM NAVY FEDERAL STATING THAT THIS ACCOUNT IS CLOSED. REPORT TO ALL ( XXXX ) CREDIT REPORT AGENCIES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Note : This Complaint was also filed through the Federal Reserve Form. They claim it will be forwarded to you. 

I have attached copy of a Check that a 6-8 week hold was arbitrarily placed on, claiming internal policy. 

Persists in placing 6-8 week hold on a Home Equity Line of Credit without clear cause and appears to be extremely arbitrary and contradicts Regulation CC in several ways. Refuses to Disclose Policy on Home Equity Line of Credit Checks, claiming they are convenience checks-not true. My Name, address, Routing #, Account #, and the name of the institution, ( XXXX ), clearly on the check. Also, Manager claims convenience checks immediately go into collections. No minimum timely release of funds as required by the Regs according to my interpretation. In reading Wells Fargo Policy in this area, it pretty much aligns with the Regulations, just not in implementation. 
Depending on whom you ask within Wells Fargo determines the many contradictory responses you received. ( Customer Service, Manager, District Manager, and now waiting on Executive Services for their take on this issue as they too were confused. 

From Reg CC ; ( 2 ) Basis for determination ; " No determination under this subsection may be based on any class of checks or persons. ''

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 2015-10-20
Company: CITIBANK, N.A.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Loan Relief LetterTo Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers XXXX Citibank and XXXX XXXX and XXXX consolidated batch from the XXXX XXXX XXXX XXXX. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX : {$1300.00} ( monthly ) Total Loan DebtDirect Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXX : $ XXXXCitibank : $ XXXXTOTAL LOAN DEBT XXXX $ XXXX earn approximately {$4800.00} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a local educational nonprofit that diverts youth from the criminal justice system into a more comprehensive and holistic alternative to incarceration, so I hope to take advantage of the XXXX XXXX XXXX XXXX Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Opened business account with Wells Fargo XXXX XXXX branch 4 years ago. 
The account was open with XXXX individuals on this account as owners. 
We explained to the bank that we had a partnership and presented our partnershippaper work to them for general information. We also told them this account belonged to only XXXX individuals in that partnership. 

After having this account for four years we noticed that an atm card was withdrawing funds from our account over the last couple of months withoutour permission. 
We notified the bank and froze the account and made inquires concerning who was drawing funds. 
They told us it was XXXX of the XXXX partners in the partnership who was not suppose to be on the account. The bank also explained that these partners were on the account from the very opening of the account. 
We told the bank to provide us with the original paper work which would have onlytwo signatures and all the information regarding true ownership. 
The manger could n't find it nor could the executive office. 
I requested a written letter from both the manager at XXXX XXXX as well as the executive office regarding how I could acquire policy information on how initialrecords are maintained and how can account owners get them. 
I also asked if it was a policy that individuals can go on account without signturesor knowledge of primary owner. 
They had no answers and they would not supply me with anything in writing regarding bank policy. 
I told the bankers that my main purpose was to find out how to clarify this situation and to retrieve all funds that were taken without our permission. 
Again they said they could not provide me with anything I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-14
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX And I have a debit card with a company called Current debit card and money was send from me to another person that I never sent at all. The Current debit card holder is saying that they havent found any errors in the transaction but later told me that someone else was logged into my account on XXXX XX/XX/2022 and I never sent {$4200.00} to anyone that I dont know. I really need my money back and I feel like Current debit card is responsible for what happened to my money because this is supposed to be a debit card that protect us from fraudulent transaction please give me a call at XXXX because I need help with getting my money back that owe to me please. I will also send pictures from my email where another device was logged into my account as well. I have an XXXX XXXX and have the app on my phone to where I can see all my transaction so there is no way another device should have been logged into my account I will send photos where the other device was logged into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft Report # 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 2016-12-06
Company: WELLS FARGO & COMPANY
State: MS
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
This was a revolving account in which I paid Wells Fargo National Bank. There fore I am requesting XXXX XXXX be totally removed. As far as Wells Fargo goes, I never missed a payment, but was late on one. But paid the agreed upon contract amount. Instead of calling me as the cosignor, they called my daughter who is a college student. I thought they were offers of credit increases when she told me they called, because they had called before. When I pulled my credit report and realized the account was closed, I called them and asked, how can you close an account in which you are receiving an on time monthly payment on, and they said, it was several months where I did n't pay the full amount and they called the cosigner, XXXX XXXX. I told them I was the cosigner. And then I asked, since they knew I was an XXXX, why did n't they call me? They told me they could only call one person on the account and they chose to call her. I asked them, Where was that law? Needless to say they did n't have an answer. I informed them that all it took was a simple phone call to me to could have resolved this before they went to the extreme. I told them that I was legally entitled to receive a phone call especially before they closed the account. I informed them that I was paying the account off shortly and I did. I opened this account to assist my daughter in building credit and this is ruining her start on life. I made 13 consecutive payments and this account was closed because of negligent policies and personnel being lazy.

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo solicited me to re finance my mortgage with them. 
They promised me in writing multiple times that I would not have to escrow ANY payments, not the flood insurance, not the homeowners, not taxes. They also did a quick appraisal that only costs {$100.00}. 
They lied about the escrow. My closing documents are wildly inaccurate and do not take into account the full lender credits they offered. They are demanding to escrow flood insurance 17 months in advance. 
They charged my credit card {$100.00} twice and an additional {$490.00} for appraisals that were not 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 monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: GA
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 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 an account without my written intrusions.

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 2020-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i alson have enclosed copies of the federal trade commissions 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 non-monetary relief
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My count number is ending XXXX. I am repaying then thru XXXX XXXX in Wyoming who set up the repayment of {$210.00}. I had credit card protection for over two years when I got laid-off XXXX, of 2012, The insurance only paid for 12 months even though I paid the full amount till my unemployment ran out. The insurance company said they only pay 12 months and the criteria changed they now pay 24 months but I never received any notice to that effect. I paid all those months for no protection over one year and 6 months. This is not fair for which I told them but they did not want to hear my complaint. Please look into to and let me know if I will be a participant in the Citibank Settlement. The new criteria is for a new issue not my problem. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been dealing with a company called nelnet. I have applied for loan forgiveness. I have submitted the aplication 3 times. Every time they have denied the application. Even though I have provided the required documentation. They wait exactly 45 days and then deny it. They send me a letter asking me to submit something else. This company is garnishing my   XXXX   XXXX    XXXX  benefits as well as my federal tax return. This is been going on since early  XXXX . They attempted to notify me back in  XXXX . I was in   XXXX   XXXX   hospital in   XXXX   XXXX  . I was also   XXXX   XXXX   XXXX   for several weeks. I did not have a chance to respond to the garnishment letter. Nor did I receive it. They are refusing to stop the garnishment. Every time I call I get different answers. I have made several reasonable attempts to work this out with them. However they refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TradeStation Group, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I had previously attempted to resolve this dispute with TradeStation directly to no avail. I had a recently closed CFPB complaint which also ended in a denial. To summarize the situation : I satisfied the deposit and duration requirements and yet Tradestation is denying the bonus stating that I'm not entitled to a crypto bonus since I received a previous bonus for a separate securities account. Escalated, provided a screenshot of their own terms and conditions with no success.

Within days of the above complaint being closed I realized TradeStation altered their terms for the promotion. I contacted a helpful CFPB representative who informed me that I am welcome to file a new dispute if there is any " new information. '' Indeed, there is an update to this saga so here I am.

I will attach two files- one labeled " old terms '' and one " new terms. '' OLD TERMS : " Existing TradeStation Crypto clients are not eligible for this offer. This offer can not be combined with any other offers. Only one offer/reward is available per client on one qualifying account. '' NEW TERMS : " Existing TradeStation clients ( whether a client of TradeStation Crypto or Tradestation Securities ) are not eligible for this offer. This offer can not be combined with any other offers from TradeStation companies ( whether the offer was from TradeStation Crypto or from TradeStation Securities ). For example, a client who has previously received the benefit of a promotional offer from a Tradestation company is not eligible for this promotional offer because that client is an existying TradeStation client. Only one offer/reward is available per client on one qualifying account. '' Can you see the difference in clarity? Definitely necessary when you're providing two different products and two different promotions ( securities and crypto ).

When I applied under the old terms I was not an existing crypto client. A crypto account and a brokerage account are NOT the same therefore I'm not combining with any other offers. The fact that tradestation has two legal entities- one for crypto and one for securities - furthers this point. The old terms are as vague as the new terms are clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Recently, I was sent an invitation to join Navy Federal Credit Union. I applied online, and then received an email requesting additional identification documents with a link to upload them. I received a confirmation email saying that I would receive notification of my membership with in 10 business days. Three we eks later after not hearing anything, I called the phone number listed in the email. I was told there was a flag on my account. I was transferred to some department where a lady named  XXXX  informed me that I owe {$600.00} t o NFCU f rom  XXXX . I told her I was a member a long time ago, but do n't recall when. She told me that I joined in  XXXX , which I vaguely remember ; but I told her that I do n't remember when I last used my account. Since  XXXX , I have filed for bankruptcy in  XXXX , repaired my credit, paid ALL debts, and successfully qualified for a home loan. I explained that to  XXXX , and asked why this debt was never reported to any collection agency or credit bureau. I also asked why a formal invitation had sent to me, if this alleged debt is blocking my joining. She mumbled something about records being purged. At that point, I told her that I had no knowledge of the debt other than her word, and informed her that I no longer have any interest in doing business with NFCU. This was a complete disservice, as I was required to submit some very sensitive information. It feels like a phishing scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation