BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
WELLS FARGO BANK Fraud Case XXXX On Tuesday, XX/XX/2021 I became a victim of wire transfer fraud when I responded to an email that appeared to be from XXXX XXXX XXXX of XXXX XXXX. 

My wife and I are in the process of purchasing a home in XXXX, Washington and the wire transfer was intended for the down payment and closing funds for this purchase. 

A wire transfer in the amount of {$33000.00} was sent to Wells Fargo Bank on XX/XX/2021. The account was allegedly in the name of XXXX XXXX XXXX of XXXX XXXX and was sent from my bank account with XXXX Bank. 

On the same day the wire transfer was sent to Wells Fargo I learned I had been spoofed by a fraudulent email request and a wire recall request was placed by my bank to Wells Fargo. 

Wells Fargo Bank requested a Letter of Indemnity from XXXX Bank in response to the wire transfer recall. 

After filing a complaint with CFPB due to XXXX Banks lack of timely action and follow through on this matter, XXXX Bank responded to Wells Fargo Banks request on Tuesday, XX/XX/2021. 

The Wells Fargo Bank fraud department has confirmed their wire department is in receipt of the paperwork from XXXX Bank. The paperwork is under review by Wells Fargo Bank. 

Wells Fargo Bank has acknowledged they are holding the wire transfer funds pending response from XXXX Bank. 

During the course of communications with XXXX Bank and Wells Fargo Bank, all parties were made aware of the time sensitive nature of the matter and that prompt action was needed to not only ensure return of the wire transfer funds, but to also prevent losing our ability to purchase the home of our dreams and suffering additional financial loss by losing our earnest money deposit. 

I am submitting this in hopes of expediting the process of getting my wire transfer funds promptly returned so that I may finalize the purchase of our new home.

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 2020-06-11
Company: Experian Information Solutions Inc.
State: UT
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 Experian XXXX XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2022-05-16
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Aidvantage XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX This letter is in reference to inacccurate /negative items on my XXXX credit report. In violation of FDCPA and FCRA laws and my rights as a consumer as such : Right To Notice Of Debt - I never received a letter within 5 days of first contacting stating, The amount of debt, The owner of debt ( Aidvantage ). 

Right to contest the debt!!! 

Right to verify the debt!!! 

Aidvantage is reporting the same account number for different accounts. How am I to determine which specific account is which? Aidvanatge reporting inaccurate date opening on accounts, also not reporting the original creditor of the debt. The payment history is also inaccurate. It goes from paid on time XX/XX/XXXX to 90 days late XX/XX/XXXX and 120 days late in XX/XX/XXXX. How is that even possible? 


Can you please conduct a reasonable investigation and correct or delete/remove negative accounts. These violations are causing me actual damages!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Shellpoint Partners, LLC
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Complaint is against my mortgage servicer Shellpoint mortgage. I was placed on a forbearance, I talked to someone in XXXX they approved the forbearance due to XXXX, They said they would send me the proof it has been 4 months. I received nothing. I have been calling for 43 days and emailing for 38 days and chatting online because I have been lied to and have been told for almost 6 weeks that someone would contact me in 48 hours. I have now been told that 23 times and now here 6 weeks later I am still waiting for someone to discuss my mortgage & bring it current. I initially contacted them in XXXX of 2019 to start the process and they will not contact me after all my attempts. Both me and my husband were laid due to COVID-19 which initially started in XX/XX/2019. I have been trying to bring my loan out of forbearance and current for the last 2 months so that I do not get reported to the credit bureaus. We are back at work and can pay the past due amount. Per the cares act which I will attached, if we were late prior to COVID-19 per FHA the mortgage servicer is to report me current for the past due months prior to COVID-19 it is written in stone by FHA/HUD and the cares act. I have been dealing with XXXX since XXXX of 2019 to make sure I was not marked 30 days late and due to their negligence and the 43 days of lying to me that someone would call me and still till today has not are trying to ruin my life. Covid came out in XX/XX/2019 We were laid off for months we have been trying to bring our mortgage current for th 6 months and they have not helped me and I don't deserve to be reported late for the last 6 months. I need someones help because as of today I still can not pay my mortgage because they choose to ignore me. This is not fair, for the last XXXX weeks i call and the call transfers me to a XXXX XXXX and his mailbox is full. come on this is terrible. I want justice and I don't want them reporting any delinquencies on my credit report because I have been trying to pay them and they ignoring me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 remove the negative items as soon as possible because they are hurting my credit. 

XXXX 1. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

2. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My complaint is very simple not gon na complaint about XX/XX/XXXX when I lost my job or XX/XX/XXXX when my mom had a XXXX or XX/XX/XXXX when mom came down with XXXX or the recent loss of my grandpa who was like a father to me and Citimortgage refused to help My complaint is that my credit has been damaged to the point it is very poor and I do once or twice a year have fallen behind and made my payment on XX/XX/XXXX as always however there has been plenty of times like once they lost my check while in California taking care of my mom XX/XX/XXXX I took the bad mark other times I 've paid at XXXX my time according to them if the payment is not in their system by XXXX pm their time I am late and those reporting have hurt me so bad I ca n't get a job I get turned down for credit that I need to fix the rest of my home a home that has XXXX bathroom working out of XXXX a kitchen with mold and because my insurance did not pay I am living with that in the house I am always XXXX I take XXXX I need Citimortgage to drop off all the late marks on my credit report so I can go on about and not have to be late on my house payments because all I have is cash and my hands are tied

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 2020-06-11
Company: Experian Information Solutions Inc.
State: UT
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 ; Experian and XXXX  are incorrectly reporting me as an authorized user on the XXXX XXXX partial account number XXXX. I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2017-01-26
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We opened a checking account for my daughter at M & T Bank in XXXX XXXX prior to her going to college in XXXX. On XXXX XXXX, XXXX they charged her XXXX separate insufficient funds fees. She contacted them and told them that she had not made the charges, that her account information must have been compromised as she had been using the debit card for some electronic transactions for school text books. 
M & T Bank concluded that since the card was in her possession she must have made the charges and refused to acknowledge any possibility that her account had been compromised. 
They are now attempting to collect the " debt '' of insufficient funds fees AGAIN. 
1. I can not find any indication that we had signed up for them to overdraft the account in case of insufficient funds - THE CHARGES SHOULD HAVE BEEN DENIED RATHER THAN PASSED THROUGH. 
2. The bank charged NSF fees 4 times in the same day - again, the card should have been declined!!

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 2017-01-20
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The loan servicer consistently charges me interest on a loan I have already paid off. This has happened to me XXXX times. Customer service also refused to allow me to speak to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My account is currently negative {$14.00} and some change. This is surprising since I have deposited roughly {$1700.00} in the last few days as well. On Friday a deposit was made from payroll that made me positive. Wells Fargo reordered ACH transactions that were done on the same day so that the larger {$400.00} payment came out before the smaller {$120.00} payment came out causing me to be charged {$35.00} overdraft fees for both when I might have had XXXX otherwise. Then a second ACH deposit came in on XX/XX/XXXX and they delayed the deposit an additional day causing me to be charged XXXX more {$35.00} in overdraft fees. Not only that, but because this puts my account negative again any transaction that clears that is current pending will cause even more overdraft fees. Wells Fargo continues to go against their own policies and engaging in behaviors to defraud their customers. This behavior needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Lennar Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Our home was sold XXXX, 2016. The realtor " advised '' me not to air my dirty laundry in the mortgage disclosure. Consequently an unfair distribution of funds between husband and I were distorted. In the divorce settlement he was allowed to keep my refrigerator and washer/dryer and never addressed the loss of my XXXX carat black opal with XXXX ounces of gold and I was never compensated. He was allowed to place the tax distribution at 50 %. 
He received {$26000.00} for the down payment for the house which came from an inheritance then 50 % of the remaining balance of {$41000.00}. He received {$33000.00} and I received a little over {$11000.00}. 
Additionally all of the tax returns were cashed by my ex and never divided between us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I used money gram to send my mother in XXXX XXXX XXXX $ she never recieved the money. Someone else got the money the day b4 she went to get it she had waited because she did not have any transportation at the time when she went to pick up the money she was advised someone had takin the money already and that it was n't in her name which I have the receipt showing its was sent to my mother. So I called money gram they advised me someone had gotten the money witch I already new someone did a couple days later they called back and provided me a name of someone 's name who I have no idea who it is but told me that 's the name that it was sent to I have the receipt showing it was not in that other persons name and they keep fighting with me not trying to figure out if it was error in there system I even offered to send a copy of the receipt to the and they just ignore the fact I have proof who it was supposed to be sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
In XX/XX/XXXX I received a notice that I owed a debt on a utility bill. It was not in my name, but a botched version of my name, so I ignored it. I called the utility company and they said they had no record of it. 

In XX/XX/XXXX, I received notice on my credit report that this same company. Assett Acceptance of Michigan filed for a wage garnishment in XX/XX/XXXX and won it. They took my State income tax refund in XX/XX/XXXX. Still never giving me proof of this debt or showing me an original bill. They are a scavenger debt collector. 

They are using variations of my name. XXXX is my maiden name from XX/XX/XXXX, which I have not used since then. XXXX was my married name which I stopped using in XX/XX/XXXX. I repeatedly ask them to cease and desist but they continue to harass me for something they refuse to prove was valid. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. I recently attempted to get cable last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 11 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX  XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX  XXXX XXXX XX/XX/XXXX {$6100.00} XXXX  XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX  XX/XX/XXXX {$120.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: NJ
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 continually followed up with the companies as well as the credit bureaus of XXXX XXXX and equifax and they refuse to remove the information or provide any documentation to substantiate their position.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
There is a credit balance of {$150.00} on my Kohl 's charge card account. I have contacted Kohl 's several times requesting a refund check be mailed to me ( first contact was on Thursday XX/XX/2022, second contact was on Monday XX/XX/2022, and third contact was on Tuesday XX/XX/2022 ). However they have not yet processed my refund check and the credit balance continues to show on my account. Kindly requesting that Kohl 's send me my refund check as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An individual called my XXXX year old stating he had won the XXXX prize and asked him to send a certain amount of money to insure what he had won via a money order. Him not knowing better had sent x amount of money to this individual cleaning out personal accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
See the following attachments regarding the short sale in XXXX for property we owned in XXXX, NY : 1. Letter XXXX from Wells Fargo - Short Sale Approval. 
2. XXXX Statement XXXX Wells Fargo - XXXX loan balances shown. 
3. XXXX Form XXXX {$140000.00} for Mortgage Loan - XXXX. 
4. XXXX Form XXXX {$79000.00} for Home Equity Line of Credit - XXXX. 
The total is {$220000.00} for both XXXX Forms XXXX See page XXXX of PMA Statement for Loan balances totaling {$500000.00} + {$91000.00} = {$590000.00}. The Short Sale Approved was {$390000.00} shown in the Wells Fargo Letter dated XXXX XXXX, XXXX. The loan balances less the sales price equals {$190000.00}, which we were anticipating the total for the XXXX Forms XXXX, not the total {$220000.00}. 
After many transfers to different departments, I spoke to several persons on XXXX XXXX, XXXX requesting proof of how the XXXX Forms XXXX were calculated. I was told that a " Work Order '' would be sent to the department which issued the Forms XXXX so we would receive the information in 10-12 business days. 
As of XXXX XXXX, XXXX no information has been received from Wells Fargo.

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