BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX 2016 during a visit to Wells Fargo Bank XXXX XXXX XXXX approach us ( Me and My Wife ) and provided us with verbal information regarding the XXXX account features including higher interest rate on savings, free check books and free safe box as well, we did sign for it few days after we received new bank card in mail, on XXXX/XXXX/2016 my wife went to the bank to put some valuables in her safe box where they told her that she does not have the XXXX account so she 'll have to pay {$100.00} for it, on XXXX/XXXX/2016 we went back to the bank to get more informations about the changes that took effect on our account without our knowledge or consent, XXXX XXXX the store manager admitted that some changes has taken effect on our account and the only answer we get from the manager was ( I do n't know ) and when my answer was " when it comes to financial issues, I Do n't Know is not a valid answer specially when comes from a manager '' XXXX XXXX started getting really upset raising her voice to unpleasant tone telling me it 's a business place and I should n't say that or behave that way, then she turned her back to me, Despite the fact that I did not get any answer about who and when and how my accounts has been changed without our consent, I felt humiliated with that kind of treatment that I got from Wells Fargo store manager so I had to excuse myself going back home with an unsolved problem and a disappointment from the way I was treated which is unacceptable, Taxpayers spent XXXX to save the banks during the bailouts of the Great Recession. Would n't it be nice if they followed the laws of the land?

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 2015-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check for {$7500.00} in my checking account at Wells Fargo Bank. The check bounced. Wells Fargo deducted {$15000.00} ( that is, the {$7500.00} check amount was never added to the balance ; when the check bounced, {$7500.00} was deducted from the account ) from the account and added about {$2300.00} from my Wells Fargo credit card to create a positive balance. The agent I spoke with on the phone had no idea how to handle the problem. I went to my local branch and spoke with the manager. At first he was n't interested in doing anything about the problem and called the XXXX {$7500.00} a " pledge. '' He was unable to explain what a pledge was. I was outraged. He finally adjusted the amount to show the proper checking account balance including repaying the credit card and assuring me I would not be charged an advance fee. 
This cost me 3 hours of my life and a great deal of aggravation. It is my feeling that if a bank can penalize a customer for a mistake, then a customer should be able to penalize the bank for a gross mistake ( which was apparently standard practice and not a mistake, a purposeful violation of a customer 's rights ). Should I take this to small claims and ask for punitive damages? What can you do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We always carry flood insurance ever since we used to live in XXXX and the entire time that we have lived in XXXX. When we refinanced, at settlement they wrote flood insurance into our loan. The statement " flood for life of the loan '' is included in the settlement and a charge was made to secure this service. We recently found out our flood policy was cancelled for non-payment in 2012. Wells Fargo can find no evidence that they informed us that they would not handle flood through escrow unless required by law, and the company admits that at no point did they inform us that they did not and were not going to secure flood insurance as agreeed to in our settlement. An escrow-related reimbursement was made at XXXX point but it was not indicated that this was because they were not paying for flood insurance, we had no idea we were uninsured until we needed our coverage to help after a " 75 year event '' ( XXXX inches of rain in XXXX hours ) flooded our home. XXXX searched and searched to no avail, we were uninsured and Wells Fargo, despite acknowledgment of fault, will not take responsibility for this breach of contract and expenses we incurred for abatement and repair.

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 2015-07-20
Company: Focus Holding Company
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables management continuously calls my number and floods my voicemail with something saying I owe a debt. The only thing in my name is my car which is paid off and taxes are paid every year. I do not owe money to the government so I know it has nothing to do with that. the only thing I could think of was something medical from when I was in high school under my parents insurance which means it is not my problem

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
My son went online to order a free credit report. the website offered a FICO score for {$1.00}, so I offered to pay for the FICO score, and input my credit card information. Unbeknownst to me Experian now had my credit card information and proceeded to enroll my son in a credit monitoring monthly service for $ XXXX/month. I did not select a box, or approve of this charge to my credit card. Experian is using FCRA and FACT ACT for their financial benefit. If you go online and search if others are having this same issue, under the Consumer Affairs website, you will find a lot of complaints about the same scam, but people do n't follow-up on it - they just pay for the fraudulent charge, and have it cancelled. I would like the CFPB to investigate these tactics, and ensure that the free credit report that the FACT ACT guarantees is not exploiting consumers. 
To manage this situation, for the XX/XX/XXXX charge, I disputed the charge with my credit company, which took several weeks and extended efforts on my part. The credit card company closed down my credit card, and issued a new account number because Experian now had my credit information. Before they could close out the account, Experian charged me for a XX/XX/XXXX {$21.00}, which I am now disputing with Experian once I get my old credit card account number from XXXX. I want Experian to provide me restitution for the time and efforts I have had to put into this situation - restituting consumers for time and effort my cause them to manage their business with integrity.

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 monetary relief
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have asked the credit bureaus to validate the bankruptcys on My credit report. Their response has been they have validated the items. They responded that they did. I spoke to them on the phone and Asked how they verified the information. Their response was they used a 3 party to validate these claims. They would not say who this third party was. I spoke with the clerk of courts and they do NOT supply the credit bureaus with this information when I disputed the items. Not only that the address supplied by the credit report company is in accurate, thus another reason why these items need to be removed. When these items are validated by a 3rd party we do not know how many other parties are in the string of validation and does not come from the original source. I feel This is violation of the fair reporting act which clearly stated this information needs to be validated directly from the source. By using another credit reporting to validate a debt is NOT verifying a debt!

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 2017-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Telemarketing scammers of Portfolio Recovery XXXX are trying to shake me down for imaginary, non-extistant debts. These vicious telemarking criminals are calling from about XXXX different telephone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is a collection company trying to collect a debt showing it was opened on XXXX/XXXX/2015. 
The information in the Equifax report contains wrong and false information. 
Attempts to correct/delete the subject account have been made but the Equifax web site does not allow me to dispute the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX was under a modification program and should not be reported late 60 days XX/XX/2015. the monthly payment amount is incorrect also, it should {$1300.00}, Experian never verified the account.

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 2016-07-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted and sent Fraud Affidavits to Experian and XXXX in regards to account numbers XXXX and XXXX. To date, I have not received anything from XXXX. However, Experian keeps sending me reports stating that this account is accurate. This is not my account. I have been a victim of identity theft and I will like these accounts removed from my Experian Credit File. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting any 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 non-monetary relief
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Numerous notices to Experian to delete the inaccurate accounts they could n't verify or Validate to me. This is an Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 et. Seq. ) These accounts are not mine & need to be delete from my credit report

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 2016-10-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly disputed identity theft accounts on my credit bureau with Experian. I completed an identity theft affidavit along with a Police Report and sent it to Experian. When I called to find out why the items have n't been removed, I was told that I am no longer eligible to dispute incorrect items on my credit report and Experian would not be removing these items. I have asked for proof of verification and have not received it. There are currently XXXX items which do not belong to me on my credit report and they are damaging my credit. I have contacted the creditors and they do n't have any accounts for me. How is it possible for Experian to damage a consumer 's credit without proof.

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 2017-01-11
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my requests to investigate and remove accounts from my credit report that do not belong to 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 2017-01-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been in communication with XXXX and Experian for almost a year regarding negative items that is currently impacting my ability to establish credit and purchase a home. These items are reporting incorrectly and they refuse to validate the validity of the items : XXXX XXXX ( never delinquent ) and XXXX XXXX XXXX ( never delinquent ).

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 2016-04-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This Bankruptcy is not mine and does not belong to me. I have reported this to all XXXX credit bureaus and they will not re-dispute it. I have provided them with a copy of my police report..

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 2015-07-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian continues to report negative data reported on the credit report as of this date the FCRA say that information can not be kept on a credit file for more than 7 years since opening the attached data continues to be kept by Experian as of this date this is a violation of our civil rights Since XXXX XXXX was opened in XX/XX/XXXX which is 16 years and XXXX XXXX which we never had an account with but apparently was opened in XX/XX/XXXX which If we had an account with was never notified and XXXX with was opened in XX/XX/XXXX which was 12 years ago. the XXXX original Case is above document are attached since I am XXXX this is elder abuse

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is reporting an address that is not mine. I have disputed this incorrect information on many occasions and I have not have any success getting this incorrect information remove from my credit report. The incorrect address is the XXXX XXXX XXXX, XXXX, GA address.

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 2016-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our 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 non-monetary relief
Consumer complaint received 2016-04-12
Company: TD BANK US HOLDING COMPANY
State: AK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My problem is with TD Retail Card Services. My husband purchased me a ring on a special finance ( 0 %, interest deferred ). He than traded it up 6 months later, they had a special of 8.9 on that. I am making payments on line, At the time of the payments I send an email requesting them to allocate the extra XXXX all to the account that I have indicated in the email ( deferred interest account ). They have yet to do this since XX/XX/XXXX payment. I have sent numerous emails and called. Since my husband obviously did the purchase with out my knowledge ( they were gifts ). They would n't speak to me by phone, I was hung up on twice while I was trying to get my husband on the phone to authorize me to speak with them. I got the same Representative 2 times before my husband could actually tell them to please speak to me to fix this. She then put me on hold until it disconnected me. when i called back and spoke to a supervisor, the supervisor refused to speak to me with out speaking to me husband. Even though the person that hung up on me twice was there and could verify that she has just got his authorization. This is 4 months of trying to get this repaired. I pay on time and always extra. I have about XXXX emails to there customer service along with sending in by fax all of the back up with proof we have been trying to take care of this mess. I cant even get someone with authority to contact us back. They could easily call my husband. We have had no luck even getting through when we are in the same place at the same time. AS FOR LOSS OF MONEY ... We will have to pay an extra XXXX in XX/XX/XXXX and all the interest it keeps accumulating, because instead of putting XXXX towards the account they are only paying XXXX. At that rate it will be well over XXXX to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
Target report me to credit agencies for a card my adult son XXXX XXXX obtained and did not pay. This is illegal and Target is refusing to do anything. I am ill and can not have this occurring especially now. XXXX just called and told me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Credit Protection Association, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$96.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.

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 2015-10-04
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/2015, I called Target to cancel my Target REDCard. The agent I spoke to XXXX would not listen to my request to close my account. He refused to close the account and despite my many interruptions, he continued to suggest reasons why I should keep the account open. I continue to repeat my desire to cancel the account and he continued to ignore me. I put my husband on the line because I was too uncomfortable to continue the conversation. XXXX would not cancel the card for my husband either. He continued to ask for me to be put back on the line. My husband made it very clear that the card should be cancelled and only then did I get back on the phone. XXXX then proceeded to pressure me more to keep it open. I gave the phone back to my husband and my husband asked if we could speak with a supervisor and XXXX refused stating only that I could make the request, not my husband. Finally we hung up, called back and spoke with another agent. The new agent attempted the same route, but we were more forceful this time and did not allow he representative to do anything but cancel. We spoke over the agent with each continue pressure tactic and stated that we needed to cancel immediately. We had to repeat the request to cancel over XXXX dozen times to make sure the agent did not continue the refusals.

Company response to consumer: Closed with explanation