BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I submitted an international transfer of funds in the amount of {$96000.00}  XXXX  received b y Wells Fargo  on  XXXX   XXXX ,    2017. The  market exchange rate that day was  XXXX , which would have resulted in a conversion to {$12000.00}. I expected somewhere near the amount of  XXXX  afte r the exchange.      Instead , Wells Fargo  performed the conversion with its own rate of  XXXX . The amount I received at the end was {$11000.00}, which is about about a {$450.00} loss due t o Wells Fargo 's pre ferential rate.      Wells Fargo  abuses a preferential exchange rate and applies predatory practices. It charged me an unexpected and hidden exchange fee of 4 %. Furthermore, the information available o n Wells Fargo 's   website abou t the exchange rate f or that day by the bank is misleading and is not the amount the bank charged me. (   XXXX   XXXX  ,  a Wells Fargo operated  forex service. ) Furthermore, information on w hat Wells Fargo i s charging is not available online -- I was told I should 've called the bank prior to making the transaction.     Other consumers should be aware and never us e Wells Fargo 's fo reign exchange service.

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 2017-02-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX, 2016 both my checking and savings acct were wiped out completely. over {$10000.00} was gone. I believe i lost my card some time around XXXX XXXX. I did not notice the fraud activity until about 2 days later when chase sent me a text message asking if i had been the XXXX to make these transactions i replied NO assuming they will handle everything. at that time about {$300.00} was missing. within a couple of days ( thinking chase was handling the issue ) my money was tranfered from my saving into my checkings and all of my money from both accounts were gone. i finally call XXXX XXXX asking WHY things werent handled and why my acct wasnt closed. I filed disputes and several claims. out of {$10000.00} i was denied XXXX claims totaling to {$4800.00} XXXX when i asked chase to listen to the recording of the " person who authorized the online transfer '' they denied me and stated that i needed to supbenea them first. Lastnight at XXXX on XXXX i noticed Chase bank went into my NEW savings acct and took back XXXX temporary credits made to me back in XXXX. Noone called me, no letter was received, or anything notifying me that my claims were denied. I call chase lastnight asking why and the rep stated i made transactions while the fraud activity had been occuring ( which where monthly automatic pay ) to my XXXX program. I went thtough chase executive dept and filed a compliant but that was also denied. i do not know what more to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: LENDER LIVE
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid off a mortgage on XXXX XXXX, 2015 and have been following up with a discharge since. We have not received a discharge nor has the discharge been recorded at the Registry of Deeds. Many calls have been made and every time we call, we are told the lien release is being worked on or that we will get a call from a supervisor-no return calls are received. After a loan is paid in full, the bank is obligated to issue a discharge and state law in Massachusetts requires them to do so within 45 days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

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 2015-12-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
As someone who had previously worked in the credit card marketing industry for several years and also an avid user of credit cards from most issuers, I can attest that Citi is arguably the most dishonest company when it comes to bait and switch reward bonuses. Most recently, I applied for a new credit card, the Citi ThankYou Premier, and did not receive my new card for over one month after approval. Citi blamed this on difficulties they had in their card manufacturing department, and hence, all new accounts during an appx 2 weeks period would not be receiving their cards for several weeks after approval. The problem with this is the spend bonus for the new account was XXXX bonus points for {$3500.00} in new purchases within the first 90 days and the 90 days began 10 days after approval. They intentionally delayed shipment of the card and refused to rectify it by extending the time possible for earning the bonus ( i.e. adding 35 days to the time frame, in order to make up for their delay of shipment of the card ). This adversely affected me as I was not able to earn the bonus with normal spending and had to exceed normal spending to earn it. During an approximately 55 minute call I had with them regarding this, they agreed to give me a measly XXXX bonus points for the trouble, which would appear on the next billing statement. This never appeared despite multiple reassurences via their online customer support chat that it would. Most recently, now over 3 months later, they are refusing to honor it and claiming they never agreed to give XXXX bonus points. However this is all documented thoroughly on a recorded call which they refuse to review, despite me insisting through multiple online messages, they continuously respond with a boilerplate response they ca n't help and to have a nice day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
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: Public record information inaccurate

Complaint:
I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection account in my credit file for {$550.00} from Creditors Bureau Associates. I called them and was told that they don't have to verify or validate my dispute ... I called the original creditors and was told that the collection agency never notified them of my request for validation. My dispute letter was received via certified mail by the collection agency at the end of XX/XX/2021. They have not provided me any information to prove that this account belongs to me. I requested a detail billing statement as well as a signed contract or anything that shows my signature for service. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquires and accounts showing on my credit report that I did not consent to.

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 2016-02-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have XXXX mortgages on my credit report that are listed as delinquent, XXXX with Chase Bank and the other with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My attorney XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XXXX notified both Chase and XXXX that both banks agreed to a global settlement pursuant to which Chase and XXXX would have the right to take title and in return drop all claims against me. XXXX XXXX sent both banks the stipulations discontinuing the XXXX foreclosure actions and waiving all deficiency judgments against me. The XXXX Customer Care and Recovery Group refuses to remove this item from my credit report and the Chase Credit Research Department has not yet responded. I am a single mother of XXXX living in the basement of my sister ' s home. I am desperately trying to apply for a mortgage to buy a home for my children. My credit score has been adversely affected by these mortgages for which I am no longer liable. I can not get a mortgage with these other mortgages still on my record. XXXX XXXX XXXX XXXX XXXX ) has also closed my credit card account even though I told them I had the stipulations of discontinuance for all three mortgages. XXXX did n't care. I am a victim of fraud and these banks are punishing me for it. They are financially abusing me and violating the Fair Credit Reporting Act. Please help me get these mortgages removed to restore my credit so I am able to buy a home and take care of my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  is reporting false amounts to all the 3 of my credit reports! I have sent them certified mail in XXXX in which they signed for it on XX/XX/XXXX requesting how they come to the dollar amount they say I owed! It was a secured XXXX card and Ive paid them XXXX over that dollar amount starting XX/XX/XXXX thru XX/XX/XXXX in the amount of {$120.00} a month. Ive spoken to them by phone and Ive disputed the amount several times including in XXXX and XX/XX/XXXX and to no avail. Im running out of options! Its reporting on all three credit reporting agencies

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 2020-10-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Loan # XXXX I am filing a second complaint because my issue was not addressed on the first issue that was submitted. I did not ask the company to reinstate the mortgage that was paid off. However, PennyMac should not report the account as closed. The loan was paid off in full and should be reported as such. The payoff of the loan should not negatively impact my credit score. I do not want the loan to reinstated, an account can be paid off and not reported as closed which is the reason why my credit score was impacted. I contacted the credit agencies and I was told the Penny Mac reported the account as closed. My mortgage was originally taken from XXXX and after it was fully paid the account showed a XXXX  balance but was not closed. The PennyMac account shows a closed status because that is what was requested by PennyMac. The company ( that is penny Mac ) needs to properly report the details that were sent to the credit agencies in order to rectify this issue. If it was not reported as closed, I need the information that was sent to the credit agencies in order to address this issue with them. I am asking the company to properly report the loan payoff as paid off and not request the account to be closed. While PennyMac does not have a prepayment penalty, they are intentionally reporting incorrect data to the credit bureau in order to discourage their customers from paying off their loans early. This is not fair and should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Several years ago I received a notice from XXXX XXXX and XXXX saying I owed {$5300.00} in principal and {$1700.00} in interest for a credit card debt. Initially I called and said it was not my debt. The letter continued to come and then XXXX came with a threat to sue and garnish my wages. I went to a local office in XXXX, Georgia in XXXX of 2009 and met with an attorney. He kept trying to get me to sign papers agreeing to a payment plan. I refused and told him it was not my debt. I asked him to please show me where I signed anything related to this credit card and compare it wit my license. He did not answer my question and tried to tell me this could be solved very easily. He refused to listen and attempted to have me pay less to settle this. I told him again that this was not my debt and I was not paying it. As I stood up and left I suggested they find the correct person and stop contacting me, I then and I stood up and left thinking this matter was resolved. In XXXX of 2009 the attorneys of XXXX XXXX XXXX and XXXX went to the XXXX XXXX magistrate court and a judgement entered against me. I have the money to pay but I do not feel it is fair to pay for something that is not mine. I truly thought this issue was settled when I went to the law firm and spoke with the attorney about this issue. I went to the courthouse to get a copy of the judgement for my records. What are my rights regarding this issue? I would rather pay a lawyer to assist me to fight them than to pay for a debt that is truly not mine. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I strongly disagree with Chase 's policy that prevents people from depositing cash into another person 's account. I asked a friend to deposit money into my account and he was rejected by Chase 's branch in XXXX, Texas. He was forced to go buy a money order and come back to make the deposit, which they then allowed. This policy is a hassle and nonsensical. I was told it was an effort to combat money laundering. I would like to know how preventing a small cash deposit of {$100.00} stops money laundering when they turn around 20 minutes later and accept an anonymous money order from the same person? He did not write his name or address on the money order, so there is no record of who made this deposit. This is a terrible policy that is not friendly to Chase customers or their family members and apparently does nothing to combat the problem it is designed to alleviate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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: Was not notified of investigation status or results

Complaint:
I sent a certified letter to TransUnion and XXXX XX/XX/XXXXXXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX  XXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/202XXXX XXXX XXXX partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active 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 non-monetary relief
Consumer complaint received 2020-03-24
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Adjusters communicated with me through mail and by phone to attempt to collect an alleged debt owed to XXXX XXXX in the amount of {$990.00}. NCA called me on several occasions explaining about this debt that was created over 13 years ago trying to collect from me on this debt. I explained to them that I didn't know anything about this debt. They have repeatedly called me concerning this matter. I WANT THEM TO STOP HARASSING ME ABOUT A DEBT i KNOW NOTHING ABOUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hi, I have a 2 year XXXX XXXX in XXXX and my loan amount is XXXX. I have attempted numerous times to get this balance to a reasonable amount. The FEES are more than my total loan used to get the degree which came to XXXX. I have tried numerous times to speak to someone and explain that this practice is not reasonable. My loan was sold to another servicer and more and more fee 's were being added on daily and when I paid it, the balance only continued to go up. This not something I could ever pay back or pay to get under control. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Hello. I bought my house in XXXX of XX/XX/2019 Upon reviewing my credit score, I noticed that TransUnion did not have anything showing good standings with making my monthly mortgage payments on time, in which would ultimately help my credit score. I reached out to my mortgage company to find out why this was happening. They stated that TransUnion will not work with them and acquire information regarding mortgage payments from their clients due to the size of the bank potentially. 

I find this unacceptable and every bank should have the right to provide the credit bureaus information in regards to good or bad payment status ' and accounts. This should not be determined on the size of the bank or how may clients the bank is providing mortgage loans to.

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 2022-09-01
Company: EQUIFAX, INC.
State: VA
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 THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 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 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 are not my accounts.

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 2017-03-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They told me they would take it off my credit report which I did n't see it but the other day it 's reporting again and it says it 's been a debt since XX/XX/2016. Which it had been paid off and the debt is paid but it 's showing on my credit file and they are still reporting equifax and it 's hurting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX/XXXX XXXX is reporting a debt on my credit file I do not owe. This debt has been paid and it needs to be removed. I did not know if this debt until I checked my credit, and I immediately paid it. I did not receive my 30 day right to dispute.

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