BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
About a year to a year and a half ago I signed up for a Wells Fargo personal bank account over the phone and was sent my cards and paperwork through the mail. Since then I have had trouble over and over using their online services and specifically when I try to reset my password it has you enter your username and some ID such as your DOB, Social or Account number. If I enter my username and social it tells me I have multiple accounts, if I enter my username and DOB it tells me I have multiple accounts. I only have XXXX account with Wells Fargo. I was hung up on by XXXX Wells Fargo 'bankers ' twice today for asking if this was related to the news article that came out. The last call I was told I would be connected to a supervisor to help clear the issue up and was hung up on before any kind of transfer happened. While writing this I am on hold again. I am in Texas, not California but I believe I may be a part of this recent news. I have not been given answers yet and need to know if I am or not a part of this issue.

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 2015-06-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX I received a credit card inquiry for Wells Fargo/Dillard 's. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
transunion is taking to long to return result of dispute items.

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 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items being on my credit report. It has been well over 30 days since the dispute and I have not received my investigation results.

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 2022-03-29
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened my account on XX/XX/2022. The following day, I received an email stating that my account was locked and to contact customer service. I first emailed and was told that they could not help me unless I emailed them " a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. '' ( As an aside, I used an XXXX email alias as my username as I generally avoid re-using usernames across financial accounts for security purposes. I am able to reply to emails sent from this XXXX alias, but not to send a new email. I was unaware that this could pose a problem when I opened the account. ) While I understand the need to verify a customer 's identity, it is not safe or secure to send the requested type and amount of personal information by unencrypted, regular email. Instead, I called customer service and was told that my my account was suspended due to a violation of the terms and conditions. Please note, I had not conducted any transactions on the account or used it in any way. The only possible transaction was a trial deposit from my other bank to link the accounts. I had already verified my identity during the account opening process ( including giving my drivers license and a selfie, as requested ). 

Nevertheless, the representative on the phone told me that I needed to verify my identity to request the suspension be lifted, again by sending via unsecured email : a picture of my driver 's license AND my passport, the last four of my social security number, and an additional proof of address, such as a bill. I asked whether there was a secure message portal I could use to submit this information and was told no. The only way to send this very sensitive personal information is by unsecured and unencrypted regular email. There are absolutely zero cybersecurity experts or organizations that endorse using regular email to send your social security number, driver 's license, passport, or other information as this information could intercepted and used to steal your identity. It is shocking to me that Chime, as a tech focused company, does not have a secure way for its customers to communicate sensitive personal information. 

After the phone call on XX/XX/XXXX, I decided I was not comfortable risking my identity by sending the requested information unencrypted and replied to the email chain asking Chime to close my account. Instead of a responsive reply, I received another email asking me to send my personal information by email before they could assist me. It has been more than a month and I have not received confirmation that the account was closed. 

I am concerned that Chime has not followed my instructions to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had applied, and received a loan for a used vehicle from Navy Federal Credit Union. My wife had set up automatic deposit thru work payroll. Our first payment was split between XXXX different pay periods from my wife 's employer. The first half was received before the first initial payment was due. I, unfortunately, did n't realize that the second half, of the first payment, was going to be XXXX day late. 

I then received a notice in the mail about potential late fees and possible implications to my shares in our account. The payment had already been completed. There was n't even a XXXX day time period, before the notice was mailed out. Our credit worthiness is outstanding, and I ca n't believe that this was mailed out so soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had a secure card with Wells Fargo where I had to pay them {$500.00} dollars for a {$500.00} dollar line of credit to establish business credit. I cancelled my account XX/XX/XXXX, gave the address to which the money was to be sent. I never got a check so I make it to a branch and checked to see what happened ( I live in a city with no Wells Fargo ). The check was sent to the wrong address the first time. They tell me there is no way I can get the check in the branch so I give the correct address and have it sent to me again. By XX/XX/XXXX, I still have no check, so I call to check and see what is wrong and they tell me it was sent to the wrong address again ; the same address as the first time. I can understand them making the mistake the first time but the exact same thing happened the second time, and they ( Wells Fargo ) still refuse to give me a check in a branch. I call customer service again and they say the only thing they can do is have another check mailed. Giving that I went through giving the correct address two separate occasions, once on the phone and once in person, and the check is still being sent to the wrong place shows something is wrong internally and I should not have to wait months and months for money I had to give to them the same day to receive service. {$500.00} is a decent amount of money and they are doing nothing from a customer service standpoint to help me get my money. When I call and speak to a customer service supervisor, XXXX XXXX, she tells me the only thing she will do for me is take the correct address ( for the 3rd time ) and have another check issued ( for the 3rd time ) .I am filing this complaint because the system Wells Fargo has for returning money to their customers is obviously flawed and they do not have a customer service department capable of actually helping customers when dealing with large sums of money. This is unacceptable, who knows what can come up in 5-6 months where having that {$500.00} can impact my life ; especially when I had to turn it over on the day I opened account to get 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 2016-09-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Over several years of service, Wells Fargo routinely added service fees to the " youth accounts '' of my children, even though these types of accounts are supposed to be free of charge while the youth account holder is under the age of XXXX, according to Wells Fargo advertisements and service agreements. On several occasions, I went to the back to have them reverse the charges. After a period of time, service charges were added to the youth account again and when the charges depleted the account, it was closed by the bank. When I called the service line for restitution, they put me on hold for 30 minutes and told me I needed to deal with the branch office. The branch office then told me I needed to call the service line. Since the account was removed from my online banking profile I can not access the information. I understand now from the news of Wells Fargo banking practices that this was part of a scheme and not an accident on the part of the banking software as they have tried to tell 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 2021-03-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
This Morning PayPal Placed My Current Balance On Hold For 180 Days After Receiving 2 Payments From One Of My Customers,, Id Like to get this issue resolved XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Have an balance for an apartment 3 years passed do I 'm willing to pay ONLY my half since it 's joint. First they say I could not pay just my half then they say I could then I ask for a payment arrangement since I do n't have all that money then hopefully once my half.is paid I will have gotten in touch with the other person. They told me no so I do n't understand how you want your money if you do n't work it out. All of the staff are rude I will basically say the people.over the customer service ... do n't know how to tlk to anyone anyone as anyone as of they have arrangements attitude a rang men tatting the fact to bring up how long a debt is old is ridiculous. If someone someone is willing to pay pay something off why not help ... NATIONAL CREDIT SYSTEM OF XXXX IS RUDE AND ITS RIDICULOUS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having an issue with Wells Fargo. I was force-placed for homeowners insurance by Wells Fargo without contacting me. They claim to have called me and left a voice mail, but I have no record of having received a call on my cell phone or having a v-mail from them. The force placed Insurance is about 4 times more expensive than my regular insurance. If they are going to purchase such expensive insurance on my behalf, I would appreciate them contacting me - they have my mobile phone number, e-mail and home address. They contact me for credit cards, home equity loans etc. etc. via e-mail and snail mail, so why not for this. When I called customer service, they claim to have done nothing wrong and blamed it on me. I need CFPB 's help as I am unable to get anywhere with Wells Fargo 's customer service, which BTW it takes about an hour to get to talk to a live person re : insurance questions.

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 2017-02-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX inquiries were made to my Equifax credit report on XX/XX/XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX. 

After a long dispute, XXXX confirmed that they were made erroneously and sent Equifax a letter confirming that they were made in error. This was over a month ago. 

To this date, Equifax has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX '' on XX/XX/2016. 

The second inquiry is also under the name " XXXX '' on XX/XX/2016. 

The third inquiry is under the name " XXXX '' on XX/XX/2016. 

The fourth inquiry is under the name " XXXX '' on XX/XX/2016. 

The fifth inquiry is under the name " XXXX '' on XX/XX/2016. 

The sixth inquiry is under the name " XXXX '' on XX/XX/2016. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Equifax so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, 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:
I have reached out to Equifax on multiple occasions to have the remove information from my credit profile that I have disputed and proven to be wrongly reported information I have sent out multiple letters calls and even one company had already requested that they remove accounts I have disputed and they have yet to remove them or the fraud inquiries I disputed in which

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
They closed my account, even though I sent them all the requirements that they ask for. 
I always use Paypal but then they still close it, I feel that they are not doing their jobs right. I still have money left for more than XXXXusd. My email linked in my PayPal is ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Consumer Adjustment Company Incorporated
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:
On XX/XX/2021 a complaint was submitted via CFPM regarding an account that Consumer Adjustment ( CA ) is reporting in error to the credit reporting agencies. On XX/XX/2021 CA responded to my original complaint outlining that they have documents that were provided by the original creditor related to the validity of the debt they claim I owe. CA claims they " emailed '' the documents to me but I have never provided CA with my email address. On XX/XX/2021 I wrote CA requesting validation and a response via U.S Mail. As of today XX/XX/2021 that response has not arrived nor has it complied with my request. On XX/XX/2021 CA responded to my second CFPM complaint noting that they mailed the documents on XX/XX/2021. As of today XX/XX/2021 those documents have NOT arrived nor has CA complied with my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: TMX Finance LLC
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a loan to improve my credit score. I opened a vehicle refinance loan with Instaloan. The loan interest rate is 57.4 %. I did not realize how high the rate was going to be. I also did not know my payments would not reduce the principal loan amount, it covers interest only. 

In addition I can not send payment by mail. I must physically appear in the their office to make a payment. The office is an hour away. 

I feel I was taken advantage of because the rate, payment and payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo holds my mortgage on my home. They recently did an escrow analysis in XX/XX/XXXX for period XX/XX/XXXX thru XX/XX/XXXX and notified me on XXXX the XXXX that due to an increase in insurance and tax payments, that my escrow amount needed to increase and this would be effective XX/XX/XXXX. On XX/XX/XXXX I received ANOTHER notification of another escrow analysis and for some reason Wells Fargo made this for period XX/XX/XXXX thru XX/XX/XXXX and notified me my escrow increase was now effective XXXX XXXX - NINE DAYS EARLIER THAN THE NOTIFICATION!! I was given NO NOTICE for this increase - in fact the statement they sent me was dated XX/XX/XXXX - the day AFTER the increase was EFFECTIVE. are n't I entitled to REASONABLE NOTIFICATION FOR ANY ESCROW INCREASE???? THEY DO N'T SEEM TO THINK SO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XX/XX/2022

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 2015-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 Capital One XXXX branch representative opened a business spark checking acct for me. I showed him a promotional offer {$250.00} at acct opening in branch. The offer says open a acct with XXXX and make a XXXX bill pay within 30 days, then {$250.00} cash bonus will be credit back within 6-8 weeks after promotion ends. I made deposit of {$5800.00} at acct opening, and made XXXX bill pay {$830.00} on XXXX XXXX, 2015. However I never received {$250.00} bonus, also the bill pay was stopped which caused me extra fee {$70.00} from the payee. I never asked the bank to put stop payment. On XXXX XXXX 2015 when bank rep called me several times I asked them to release the payment. I am asking 1. {$250.00} promotional bonus back plus {$70.00} fee caused by the bank. Or 2. bank can issue a letter to payee to waive this {$70.00} extra fees. But {$250.00} promotional bonus must be credit back.

Company response to consumer: Closed with monetary relief