BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
XXXX XXXX XXXX XXXX 2015 we transfered XXXX into the XXXX from my wellsfargo account after we recently sold our house and made our moved to Florida. I proceeded to change my address to a close family friend until our tenant was ready to move out of the condo we had rented. XXXX froze my account and asked me to come in the branch in XXXX XXXX and verify my information due to the change of address, which I provide my drivers license, social security card, birth certificate, power of attorney, title documents proving the sale of the house and an utility bill for the address where we where receiving our mail. They then decided to close my account for unknown reasons and told me I would have to get wellsfargo to reverse the ACH transfer to the account. I went to the Wellsfargo office and explained the situation to my customer representative XXXX XXXX which filed for a ACH dispute which XXXX proceeded to tell wellsfargo that they where working with me personally to get my funds back which was a complete lie as I would n't have pursued such actions if it was n't for their lack of communication and cooperation to return our money. Over six months later and XXXX still has our money and has made no attempt to return the funds that where transfer. I am going to file complaints with the pertinent government agencies, SEC, consumer affairs, XXXX, The complaint boards, XXXX, XXXX, XXXX and every other agency we can so this does not happen to anyone else. We are getting ready to file a lawsuit if they are not willing to fix this issue immediately as we have dealt with enough of this nonsense. It appears that XXXX is trying to rob me and my family of our hard earned money and we will not allow that to happened. This company can not be trusted, they recently lost a lawsuit filed XXXX VS XXXX XXXX by their own employees due to their practices.

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 2016-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Starting about a month ago Bank of America started charging my account a long succession of insufficient funds fees of {$35.00} each. They charged me XXXX fees for a total of {$730.00}, the last XXXX on XXXX first. I did n't notice it for about the first two weeks because I knew I had a low balance and I had n't written any checks and I had n't used my debit card. It turns out that my XXXX account was submitting requests for payments of very small amounts between {$3.00} and {$5.00}. They submitted these requests four or more times each for XXXX or XXXX small amounts. By the time I discovered it, Bank of America had already charged more than {$500.00} ( negative ) to my account. By then it was too late for me to do anything about it. Just to compound it they also charged me XXXX or XXXX " extended overdrawn balance '' fees. When I called and spoke with a representative they said that there was no policy limiting the number of fees they could charge an account over a period of time. They did agree to refund XXXX fees ( a total of {$170.00} ) because that was the most they could refund in a given year. 

Bank of America has taken {$530.00} of my money. I receive a social security check by direct deposit on the third of every month. I contacted XXXX about ten days in advance but they said it was too late to change the destination of my check. So Bank of America has taken well over half of my social security check and I have no idea how I 'm going to pay my bills this month. If I had done some kind of damage to them I might be able to understand it but it costs them nothing and they take the fees because they can. I am at my wits ' end. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I looked into cash net usa, and decided against it,, with the interest rates starting at 199 %. I got an email from them saying that my first payment will be deducted on XXXX XXXX. I checked my bank acct and the only deposits I have are from my paychecks form my company. Then it says they are taking out another $ on XXXX XXXX. I didnt apply for this loan, I looked at it and said no. I didnt sign anything at all giving my permission

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check for XXXX in my Wells Fargo Bank account.
The Maker of the check was XXXX and the check was drawn on XXXX.
Wells Fargo Bank put a 10 DAY HOLD ON THE FUNDS so I called Customer Service at the bank and was told REFER TO MAKER. XXXX, the maker, said there was NO REASON FOR THE HOLD. I believe Wells Fargo Bank ILLEGALLY HELD MY FUNDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Creditor XXXX XXXX XXXX XXXX agreed to settle this account for {$3500.00} in XX/XX/2022. Payment was made on XX/XX/2022 in the amount of {$3500.00} which should have satisfied the account balance and the account should be closed. Instead, XXXX XXXX used those funds to enroll me into a payment plan that i didn't agree upon ( see letter from XX/XX/2022 ). As well, payment was never late on this accounts for the months of XXXX or XX/XX/2022 because settlement agreement was made in XX/XX/2022. I have disputed with the credit bureau to correct the account or have it removed f rom my credit report. According to federal law incorrect information should not be listed on any accounts on my credit report. The credit bureau has failed to conduct a proper investigation when i disputed this directly with them, basically conducting a less than 24 hour " investigation '' by validating the debt with what they have in their computer system, but not actually contacting XXXX XXXX directly. I have also spoken to XXXX XXXX and several agencies state that I must take up the dispute with the credit bureaus directly.

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 2016-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, I became concerned about the housing market and potentially higher interest rates, so I went down to the bank to combine my " interest only/variable interest '' home equity line of credit with my mortgage, into a single loan with a fixed interest rate. The bank President advised me not to do this. In fact, he said interest rates would only continue to go down, but if they began to go up he would know well in advance of it happening in the consumer market and would contact me. He said he would include me on a list of names he kept on his computer, and would contact me if interest rates began to go up. If they went up, I could come into the bank and use my home equity line of credit to combine my loans into XXXX fixed-rate loan. When the housing crunch of XXXX hit, I received a letter from the Bank of America that my line of credit was reduced to nothing. I was now stuck with a XXXX credit card that the bank XXXX had advised me to get, that was getting ready to go from 0 % interest to a high variable rate of interest and a home equity line of credit that I was now unable to refinance into my mortgage with a fixed rate. I immediately went down to the bank to speak to the President that had advised me. I was told that he resigned and that there was nothing they could do to help me. I had to pay off the credit card with high interest. I lost my job in XXXX and have spent the last 14 years paying interest only on my home equity line of credit. My payments on the line of credit are set to go from {$220.00} to {$640.00} in XXXX of XXXX. I have not been able to afford refinancing on my own and the bank refused to help me because of my unstable employment status, even though I always pay my bills on time and have never missed a mortgage or home equity line of credit payment.

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 2015-10-26
Company: TMX Finance LLC
State: MD
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I took out a title loan for {$2600.00} from Titlemax on XXXX/XXXX/2015. The company advertised same day cash. When I finished the paperwork the company cut me a check which was a breach of the agreement. I took the check to the bank it was drawn off of, XXXX, and they informed me they could not honor the check until they spoke directly with the guarantor of the check. I called the location and the check was no honored until the following day. I am currently 19 days past the due date of my loan and Titlemax has sent a truck to repossess my vehicle. I called Titlemax after they opened to take care of the overage and was initially told I would have to make 2 months payments. After getting to the location I was then informed I would have to pay the full balance of the loan. I asked them for a copy of the loan and on the contract it showed that {$2700.00} was actually financed. They also told me I would have to pay and additional {$400.00} for the towing fees. This is an attempt to strong arm me out of my vehicle. Also they told me I could NOT sue them in court and when I looked over the contract again there is a stipulation in there that you wave all rights to sue them in court for disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Great Lakes Borrower 1 ) Misallocation of payments made across multiple loans 2 ) Intentionally moving payment date to accrue more interest 3 ) Others I 'll be happy to provide any documentation necessary to your office. Please let me know what additional information you need. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card
Issue: Other

Complaint:
I had a credit card with TD Bank, and set it up with autopay. I had the autopay removed so I could control my bill paying better. I was informed that the autopay had in fact been removed. In XXXX, I remitted the amount for my monthly statement. The same day TD bank took, the monthly statement amount, plus the amount for all current charges, which totaled XXXX. I contacted them, and they verified that the error was theirs, and that a refund would be issued with 5 to 10 business days. After phone calls on XXXX XXXX, and XXXX XXXX, I got the same response. As of XXXX XXXX, I do not have the XXXX refund, which they said would be another 5 to 10 business days. I want my money ... ... ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-02
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Money Source shows my account is past due after loan modification was completed. I have been trying to work with company since XXXX of this year to get things straight. 

Here is some background In XXXX of this year I started the loan modification process on my mortgage due to a significant increase in monthly amount which caused me to get behind in payments. During the loan modification process I made two payments to help with my balances Here are the amounts and dates of payments made during the modification process XXXX - {$1800.00} XX/XX/XXXX - {$1800.00} - This payment was returned due to using the incorrect bank account XX/XX/XXXX - {$1800.00} - This payment was made to replace the XX/XX/XXXX payment using the correct bank account I spoke with an agent on XX/XX/XXXX and she advised I did not have to make any additional payments until my modification was completed. I then received my modification paperwork signed it and returned. Modification completed first payment due XX/XX/XXXX. Here are my payments made since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I begin receiving letters that my mortgage was past due. This was not true as I have been making my payment monthly since the modification. I contacted The Money Source and was advised the following reasons by agents as to why my account was past due 1. My first payment after the loan modification went to my past due payment from XXXX. 
2. The payment went toward the payment returned in XX/XX/XXXX After lengthy discussions with several agents internal cases were opened to have the issue corrected only for the special loans department to deny the request. Here are the cases that have been submitted since I begin having these conversions in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested to speak with supervisor numerous times and have been denied each time. The latest to decline to speak with me is XXXX. Here are my questions and issues 1. If my loan was modified and all balance prior to XXXX included in that modification Why do I still carry a balance from XX/XX/XXXX 2. If I replaced the returned payment on XX/XX/XXXX why is that balance still showing owed. An why would that balance be owed if it was an additional payment made while payments were suspended on account? 

This has been a major headache and XXXX is reporting my mortgage as late in my credit report. This company has been a headache to deal with during and after the modification process. My experience during the modification process is a complaint in itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
I received a cashiers check for XXXX After depositing, I waited several days for it to clear. It cleared. I then spent the money. 2 days after my bank said it had cleared, it was returned, and now I am in serious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

USDOE/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF EDXXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-02
Company: LEXISNEXIS
State: NJ
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, XXXX XXXX XXXX XXXX, under the penalty of perjury affirm that all forthcoming statements are true. In XXXX of 2022 I submitted a CFPB complaint against XXXX for reporting unverifiable public record information to my XXXX credit report and file. The unverifiable public record account being reported by XXXX is as listed : XXXX XXXX XXXX XXXX XXXXXXXX Reference # - XXXX. XXXX claims that this public record being reported has permissible purpose because it was verified as accurate by reseller Lexis Nexis as of XX/XX/2022 but Lexis Nexis is saying the complete opposite. Lexis Nexis is saying that the public record is unverifiable and that Lexis Nexis has made the decision to delete and remove the unverifiable public record information as of XX/XX/2022. XXXX, claim they investigated this dispute and that it was verified as accurate by Lexis Nexis but there is no way they attempted to investigate the accuracy of the information if LEXIS Nexis is saying that the information is unverifiable. If Lexis Nexis sold this information to XXXX and are now saying they can not verify the information and the US Bankruptcy XXXX located in XXXX is also saying that they do not verify or validate disputed information, then that means that XXXX has no way of validating this disputed public record information and shall delete the fraudulent account immediately pursuant to Fair Credit Reporting Act subsection 15 USC 1681b. If XXXX refuses to delete this public record account that can not be verified or validated, then I will be forced to pursue remedy by filing a complaint with the US XXXX XXXX of New Jersey before a competent court of law! XXXX can be held liable criminally and civilly for these FCRA violations. Delete public record account immediately as it lacks permissible purpose for reporting and also continues to violate my federally protected rights now making me a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I made a wireless transaction through my checking account ( TD Bank ) on XXXX XXXX 2016. The money was not transferred to the recipient, it is 2 months since. There was an error in the account number but the bank name, branch, address and name were correct. TD bank has not been able to return the money back to my ( sender account ) or provide a resolution in a timely fashion. TD bank did not pursue this matter, and the only time they get in touch with me ( customer & initiator of wireless transaction ) is when I call or see them at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XXXX XXXX, my Fifth Third Essential Checking, without my authorization, initiated a transfer of {$1500.00} from my XXXX personal checking account -- I do not have enough money to cover bills coming on that were to be paid with the money Fifth Third is taking from me. 
XXXX XXXX has warned me overdraft fees and unpaid fees will be assessed for every bill that comes looking for money and doesn't get it. 
-- Right now there are dozen different companies I owe money to who, through electronic transfer from the XXXX account, is trying to collect their due. This means the fees will rack up into several XXXX XXXX that I can not afford to pay. 
-- I did not authorize this. I can prove I did not authorize it. Search my history on all my devices- my desktop, my smartphone, my laptop. I didn't do this. Someone is essentially stealing my money. 
-- Fifth Third and XXXX tell me there is nothing they can do to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter. I am disputing the alleged debt because I do n't owe any alleged debt to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation