BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
Company: CL Holdings LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
The account is unknow to me and the collector did not verify the account, please send me the original contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 at approx. XXXX., {$64000.00} from our Real Estate IOLTA account at Wells Fargo Bank was to be wired into XXXX for a closing which took place on XX/XX/2016. XXXX XXXX was the banker who supposedly did the transfer. We have confirmation of Outgoing Wire Transfer Request and confirmation that the money was taken out of our account. Wells Fargo Bank never processed the wire transfer. On XX/XX/2016, I spoke with the banker, XXXX XXXX and bank manager of the XXXX, CT branch of Wells Fargo, XXXX XXXX, where the wire transfer transaction occured. He stated that it was their fault but could not offer any reason as to why the transfer never happened. This has long reaching ramifications for our law office, not to mention the fact that the Seller 's attorney can put a grievance against our firm due to the failure of Wells Fargo to process the wire transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: TX
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 name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX {$8200.00} as owed on XX/XX/21 on my credit report explain the constant change on my credit report. now in express of XXXX it was changed to {$21000.00} and then changed again. This company and credit bureaus need to be investigated.

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 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Offer was 0 % apr on balance transfers. 
After being approved Capital One said the offer did jot apply. 
We have the supporting paperwork/offer as proof. 
Now our credit score will be impacted. We closed the account asap. 
Date of application approval was XX/XX/2020. 
False advertising..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: LA
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:
Equifax/Equifax credit bureau/Equifax information services Llc . Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: CA
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:
PLEASE IMMEDIATELY REMOVE THE LATE PAYMENTS SHOWN ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I and my wife have a checking account and safe deposit boxes with Wells Fargo ( Crown Checking ) for the past several years. I and my wife have created a living trust for which we are both the trustees. We wanted to transfer our checking account and our safe deposit boxes to the name of the trust. The bank has refused to transfer either the checking account or the safe deposit boxes to the trust. They are asking us to open new accounts. With the new checking account, we do not get the same benefits that we are currently getting on our grandfathered checking account. Also, on the safe deposit boxes, we have been asked to forfeit the remaining terms of the boxes and open new ones. it appears that the bank is cheating us out of current benefits we get on our checking account since they are willing to open new accounts for the trust but unwilling to transfer the existing account to the trust name. All my other banks, mortgage companies, etc have been able to transfer account without any problems. 

I have also requested the bank to give me a written explanation for not being able to transfer the account to a trust account. However, i am being told that it will take them about 60 days to provide a response and the representative is not even sure what the response would be. This seems to be unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My son was contacted by email from Wells Fargo bank stating that an account was opened in my name and asking for my social security number to verify, which he stupidly gave him.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
TransUnion is in violation of 15 U.S.C. Section 1681 ( I ) of the FCRA. XXXX XX/XX/12 XXXX TransUnion failed to comply with my request to provide proof of their investigation. ( Description of Investigation ) The FCRA XXXX XXXX  clearly states that a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) not later than 15 days after receiving a request from the consumer for that description, TransUnion has repeatedly failed to do so. TransUnion has failed to provide proof of their investigation, and ignore proof that the following account contains errors. XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-01-26
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In XX/XX/XXXX I financed an air-conditioner for my rental condo. It turns out that XXXX finances with Wells Fargo. 
On XX/XX/XXXX I received XXXX credit cards, XXXX in my name and XXXX in my husbands name. The heading states " We 're glad you 're our credit card customer ''. 

**I am NOT their credit card customer and never asked to be. I will be calling and canceling these credit cards asap!! 
I do n't even know if there is an annual fee or what the interest rate is.

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 2020-12-25
Company: Home Point Financial Corporation
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX applied for cash out refi. Was informed by mortgage loan originator to skip XXXX  mortgage as we were to close the week of XX/XX/XXXX. This fell through and was latter scheduled to close XX/XX/XXXX before XXXX that fell through I had in turn to pay XXXX mortgage pmt in which I incurred a late fee. I was then informed to skip XXXX pmt. following there directions I complied and incurred another late fee. I was informed that after 100 days two late mortgage pmt and a late car note we closed on the XXXX of XXXX with a 3 day right to refuse and the refi was to fund onXXXX XXXX today is the XXXX XXXX they paid off primary mortgage but did not fund my cash out proceeds into my checking account I guess maybe it will eventually fund after XXXX. 
I wish to file a formal complaint against Home Point financial they are the most unprofessional, incompetent, unorganized institution I have ever encountered. 
They went home on XXXX leaving this refi loan in total limbo and still is at this time partially funded. 
I only wish to help all veterans to steer clear of this institution which is a total fiasco!! 
They have proved time after time they are not customer friendly but are highly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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:
The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
i did loan rehab in XX/XX/XXXX paying almost XXXX a month on a ( im going to round up ) XXXX loan then the monthly payment dropped to XXXX a month in XX/XX/XXXX i have always payed XXXX a month and 15 years later i still owe over XXXX and my expected payoff is XX/XX/XXXX this makes no sense to me i have had many loans in the past that i have been able to pay off why wont this balance go away even when i pay extra every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2021 I got email by my collage email address says he offered part time job and i started communicated with the hire person by my personal email address and he started " I provide individual and group therapy, coaching, assessment, and academic screenings to support students & individuals with XXXX ( XXXX XXXX XXXX XXXX XXXX ) registered with XXXX. A large percentage of people served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need mental health support to be successful. 

In addition, many Students with academic difficulties and no prior diagnosis are seen and assessed through the academic screening and assessment process. I also am the XXXX XXXX XXXX, training and coordination of counseling psychology and clinical psychology graduate students of the United States who have practicums at XXXX and XXXX accredited school psychology predoctoral interns. You have received this email because you have an offer from the University XXXX for XXXX to work with me while we help Students with disabilities frustrated with ignorance and lack of services as my temporary personal assistant. 

I care about Animal Welfare, Arts and Culture, Children, Civil Rights and Social Action, Education, Environment, Disaster and Humanitarian Relief, Social Services, and lots more. This is a very simple job. You will only help me purchase some Items when needed. This employment only takes an hour a day and 3 times a week for {$500.00} weekly. 

I am unable to meet up for an interview because I am currently in XXXX with my wife who is Battling with XXXX and has an upcoming XXXX next week. You will be paid in advance for all tasks and purchased to be done on my behalf. Upon my arrival we will discuss the possibility of making this a long-term employment if I am impressed with your services while I am away '' and i accepted the job and started to work. on XX/XX/2021, XXXX and XX/XX/2021 he continued sent me the check by email worth {$4500.00}, {$2000.00}, and {$3500.00} and he asked me to print out and deposit in my bank by phone. after i deposit in my bank my bank approved the next day, after that he asked me to sent back to him by XXXX transfer worth {$2000.00} and {$1000.00} separately to the person name XXXX, also he asked me to buy Bitcoins worth {$2500.00}, {$1000.00}, and {$2000.00}, after 3 days my bank rejected my check one by one, and i called my bank to ask whats going on they told me the check is not legitimate. after that i know i got scammed and reported my local police department and my school police department, and FBI,

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 2020-04-17
Company: Byrider Franchising, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
CNAC contacted me on the day my payment was due trying to collect it before it was even late. I was already about to pay it when it was due. They left threatening voicemails to escalate the situation and call my employer, friends, and family if I did not pay within thirty minutes, which would have still been within the due date. I was contacted by a representative named XXXX from the XXXX branch I believe. They were very rude, and I called a little irate myself because of the voicemail they left me. Theyve done this multiple times and definitely show no remorse for the ongoing pandemic. Please hold them accountable for their unfair and aggressive practices. Attached is the voicemail he left me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so

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 2016-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a checking account with Wells Fargo. I wrote checks to my cleaning lady and she deposited them electronically to her bank account. Subsequently, she walked into Wells Fargo and was permitted to cash the check ( for a second time ). This occurred on at least XXXX occasions.

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 2017-01-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Even after my initial complaint filing, I am still being wrongfully treated by Wells Fargo. For the past several months they have nothing but to make me jump through hoops, and even with my initial complain filing they still asked for the same documents over and over again and what 's the point of my relationship manager. I 've only spoken with XXXX XXXX a handful of times, and do n't recall anytime where he actually answered the phone, so I had to speak with several other people who, and again, as always had a different version of events, told me different things are needed, and gave me different advice. It 's like they are only going through the motions, and after months and months of more run-a-round, they declined my request for mortgage assistance because they claim my house was vacant!? This is 100 % false and impossible because at the time there was a Tenant in the property who was paying {$4000.00} per month. No one pays {$4000.00} per month and not live in a property. Wells Fargo knew this because they received copies of the rent check several times ... because they asked for it several times. This unfair denial caused the Tenant to become unformfotable and he vacated the property, causing me to move back into the property as my primary residence, and as required I inform Wells Fargo of any change of circumstances, ... and they did nothing but deny me! Are n't they supposed to work with me? Additionally, in the denial my income was calculated wrong. I brought both of these issues up to XXXX XXXX, who did n't care one bit. I was provided a 20 day appeal period and I appealed their decision and it was denied the same day! and when I ask why?, they will not provide me with a reason. XXXX XXXX just told me that it would take 5 days to close out the file and to re-applyI waited 5 days and reapplied. But the file was n't still closed internally. Apparenlty someone else needed to push a button to close the file, and it was n't until around XX/XX/2016 that someone finally pushed the button. My file was routed to the Wells Fargo reentry team, I was put on hold for about 20 minutes and when she came back, I was asked to send in items to prove my occupancy, and I did just that, and again ... it took them less than a day to deny me. This time I 'm denied because my loan is almost 3 years delinquent. Since when was this a provision of HAMP?, and it seems rather convenient that days before the HAMP deadline that Wells Fargo comes up with yet another excuse to give me the run-a-round. Clearly, they are just taking advantage of the expiring HAMP program to stick it to the homeowner once again!

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