BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, Bank of America sent me an email stating my account balance was low. I knew this was impossible, as I had more than {$7900.00} in my account. I called immediately to find a solution to the problem, and they treated me like a criminal stating I had a fraudulent deposit made. 

The deposit was one my friend had sent to my account from the U.S., so I could take out some cash for him while traveling to surf in XXXX. He immediately called the bank and explained that he had sent the money, so they would realize it wasn't fraudulent. Bank of America should have record of him calling numerous times as well as him going into the brick-and-mortar location. Once, they told him I'd have the check in my mailbox in 30 days, but it never arrived. 

I also contacted Bank of America numerous times and continue to call daily. They continue to tell me I will receive a check in the mail, but they can't tell me when or if it will be within 1 year or 10 years. 

I have never done anything fraudulent in my life. I have XXXX debt, have never overdrafted my bank account and have never even paid a credit card late. Yet, Bank of America refuses to send the balance for the account they closed. I've been dealing with this for a year and 3 months and have wasted countless hours. I've lost far more than the {$7900.00} in my bank account. 

I would be beside myself with joy if I could just settle this issue and have my money back, so I can move on with my life and my new bank account. 

Thank you!

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened an a student account with Wells Fargo while I was attending XXXX XXXX in XXXX, Fl. More than once fees were attached to my accounts ( savings and checking ) that I did not think were appropriate. My account was closed by Wells Fargo because of such fees and whatever money was in my account was taken to " cover '' such fees. This also happened to my daughter and son as they also had this kind of 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 2023-01-20
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
On or approximately the year of 2018, I walked into a branch of Wells Fargo on XXXX XXXX in XXXX XXXX XXXX, CA. Tried cashing a XXXX bank check in the amount of {$2900.00} or so and the bank management at that time took my check and did not give it back. It's left me traumatized, forcing me to be homeless. I was threaten by the guy. He also said that he was not going to give me the check back that was in legit and in my name. Was very disappointed ..... Frustrated, everything you name it.

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 2023-01-20
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just downloaded the XXXX app to help increase my credit score and upon so noticed I had 2 {$100.00} bills submitted to collections from the Hospital. I never received the bills and was never notified it was going to collections. I contacted collections and asked if I could make payments because I can not afford to pay the full amount and was informed that could not and that there are interest charges to these medical bills. I would like to dispute both debts on my collections since I was informed that by XX/XX/2023 agencies are going to remove medical debts from collections when the bills are {$500.00} or less. Please advise on what I can do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my XXXX, Experian, and XXXX Credit Reports . Also, I have been a victim of the XXXX data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They changed me a tremendous amount of overdraft fees and then closed my account without reason

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 2023-03-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-01-20
Company: EQUIFAX, INC.
State: VA
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 is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXXK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I kept getting overdraft charges which doesnt make sense and eventually I let the account go because I wasnt gon na pay overdraft if my money was there and they stole it

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 2023-01-20
Company: Experian Information Solutions Inc.
State: GA
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 filed complaints and tried to resolve this with each credit bureau ( XXXX, Experian, and XXXX ). After their investigation which went beyond the required 30 days and they have yet to remove the late payment reporting. 

Dispute : I did an investigation on my credit report which has caused severe XXXX in me and found inaccurate and questionable items that the agencies did not make sure were reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under XXXX XXXX Code 1681 e ( b ) and 15 U>S> Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. In addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me the consumer and Lending Club and should be excluded from my credit report.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2023-01-20
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Was charged for overdraft fees and other unnecessary fees. Unfortunately I am unable to provide the dates since it was almost XXXX years ago. Wells Fargo never refunded the money so I closed my account after being a loyal customer for XXXX  years or so.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Several times Wells Fargo gave me hard time. The first was during the furlough of government employees. They did not want to assist when we were not getting paid The second was when I had to file a XXXX XXXX The last time was when I got XXXX XXXX and was in a XXXX  and on a XXXX for a month and was in the XXXXl for three months learning to XXXX  and talk 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 2023-01-20
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Multiple times over the past 10+ years my account has been flagged as fraud and I was unable to access my money. I wasnt able to purchase the things I needed.

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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Stating that my account is delinquent and we actually have a complaint currently pending. The credit report states that I am 3 months behind.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a vehicle loan with Wells Fargo. There was a hurricane in XXXX and Wells Fargo sent a letter stating that customers in my area could defer payments for 3 months as a form of disaster relief. What the letter did not mention is that after 3 months I would be constantly harassed for three months worth of payments plus the current month. I could not afford {$1200.00} all at once. After struggling to make XXXX back to back payments of {$500.00}, I couldnt afford to keep the payments up. My car was repossessed which hurt my credit and there may have been an attempt to get additional money after they sold my vehicle. This happened some time between XXXX and XXXX. I should definitely be included in the {$4000.00} payment to customers who suffered a repossession from Wells Fargo because the letter failed to mention that 4 months of payments would be demanded after the hurricane disaster relief period.

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 2023-01-20
Company: EQUIFAX, INC.
State: KS
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:
My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1..Last activity and 2. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 

Name XXXX Equifax XXXX activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED. -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
List the house to foreclosure because they would not help or modify loan had paid monthly payments on time for almost 9 years and as a result lost the house and my husband XXXX XXXX XXXX passed away, XX/XX/2019 I now live alone in a Apartment at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and before my husband passed away when lost house we lived in a XXXX rm.hotel

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
They doesn't wan na give me a defer in payment or help me with any other options to keep the car except to pay the arrears and by that time the car was already at impound. At that time they said they tried to reach me numerous times at a number I no longer had and an apartment I got evicted from.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo became my third mortgage server. My loan was initiated by XXXX XXXX. My XXXX XXXX. and property taxes were in escrow. When Wells Fargo became the server they failed to pay my XXXX XXXX I lost my grandfather coverage amount. After being notified by my insurance company that they canceled my policy for nonpayment. I had to open a new account at the expense of twice the rate. I then paid my property taxes. And sent Wells Fargo payments for principal and interest in full, On time regularly. They cashed each payment and sent me a Wells Fargo check back to me in the same amount. With a statement that said my payment was insufficient funds. I never cashed any of the multiple checks they sent. They told XXXX XXXX they were starting foreclosure and ruined my credit. They sent a XXXX XXXX to take pictures of my home to evaluate the value and condition. The entire experience was very difficult and lengthy. I received numerous ridiculous letters and phone calls. Some being very absurd. They sent a third party payment processor money left in my escrow to pay my property taxes. That were already paid where is that money now? I had no other option but to pay off my mortgage in full. After I sent them the entire amount. I received a letter telling me that I still owed them a little more than {$1800.00}. Then the recorded to my County deed office that my lein was released free and clear. My credit report still remains damaged and I recently tried to purchase a second vacation home. And was abruptly refused due to my credit report. 
I pray that Wells Fargo compensates me to the fullest extent.

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