BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In  XXXX  of  XXXX , I went to the  XXXX , Pennsylvania branch o f Wells Fargo B ank to address a concern about my ex-wife 's name still being on an account used to pay my mortgage each month. At that time, branch manager suggested I open a new checking account, in my name only, as a solution to this problem. The next day I returned to actually open that new checking account, and the manager then offered me a credit card account as well. When I asked some questions and found out there would be fees attached to these accounts, I declined to open either a new checking account or a credit card account, and left without opening any accounts.     On  XXXX   XXXX ,  XXXX , I received a phone call from a debt collector saying I owed money on a personal credit card account I had with  Wells Fargo. I  responded that I did n't have any such account, but right after the phone call, I went to the  XXXX , Pennsylvania branch of  Wells Fargo  to find out what was going on, and whether this might relate to my business account wit h Wells Fargo. The  bank assured me that the debt did not relate to my business account, but instead related to a personal credit card they insisted I had opened.     Even though I never received a personal credit card from  Wells Fargo, n ever received any statements and never made any charges,  Wells Fargo ul timately informed me that I had {$28.00} in unpaid annual fees. This is after my wife had put a bid in on a house, and after that bid was accepted, I also learned that  Wells Fargo r eported this supposed delinquency to the major credit reporting agencies, which dropped my  credit score f rom roughly  XXXX  to roughly  XXXX . As a result of this huge dro p in credit score, we lo st financing for the house, and lost the opportunity to reduce our monthly home ownership costs ( including mortgage, taxes and HO insurance ) from {$3800.00} per month to {$1700.00} per month. For the foreseeable future, I am losing {$2100.00} per month as a result  of Wells Fargo 's  conduct in opening a credit card account in my name and charging me fees without ever even letting me know they had opened a credit account in my name.      Wells Fargo has  opened a case number for my complaint, and it has submitted requests to  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX  to remove this alleged credit card delinquency from my name. But the damage is done, and Wells Fargo has not offered any significant compensation for the damage they have caused 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 monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries that were not me Id like to get rid of by the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XX/XX/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 2019-12-16
Company: EQUIFAX, INC.
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:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I WAS PLACED AS AN AUTHORIZED USER AND I WOULD LIKE TO BE REMOVE OFF THE ACCOUNT. THE ACCOUNT IS HINDERING THE INTEGRITY OF MY CREDIT AND I WOULD LIKE THE ACCOUNT TO BE RMEOVED AS SOON AS POSSIBLE. PLEASE CONTACT THE FURNISHER TO HAVE MY NAME OFF THE DISPUTED ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: Nair & Levin, P.C.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've filed a complaint last month about this company. After several attempts of requesting verification of debt, I filed a complaint with the cfpb. I originally requested the verification years back without receiving the right to dispute. This company is beyond unprofessional and operates with untrained representatives. I called in on  XX/XX/2017    and I was told that they could n't put my requests in writing and I was hung up on by  XXXX . l called back and spoke to  XXXX , another  manager who  was even more unprofessional. This company is not abiding by the law and has not sent a correct verification of debt. Each bill that was billed out and actual meter readings need to be sent, for proper verification. Any correspondence needs to be sent by the company in writing, due to their false statements and untrained representatives, giving out incorrect information. I am requesting recordings of calls that were on   XXXX   XXXX   XXXX     and   XXXX   XXXX   XXXX     ; or I will ask the federal court to subpoena those calls for my current case against  Nair &amp; Levin P.C.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from Convergent in late XX/XX/XXXX stating that i owed debt to XXXX. I explained to the representative that i did have debt with XXXX, but i settled with them and paid back in XX/XX/XXXX. So then a couple of weeks later in XX/XX/XXXX i received a letter in the mail saying that they verified the information with the original creditor and that i owed {$490.00}. I immediately gave them a call and was told by the rep that i had an account with XXXX back in XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX and that i owed them. I explained to her that was impossible because during those years i was under my mother 's plan and when i had XXXX was in XX/XX/XXXX, which i settled and paid my debt in XX/XX/XXXX. Not to mention i have proof on my credit report that i settled my balance with XXXX back in XX/XX/XXXX and the dates that they claim i was with XXXX was never on my credit report. The rep then spoke with supervisor and came back on the phone saying they can settle with me for {$200.00}. I told her that i wasn't paying anything because i didn't owe any money. So then i spoke to the supervisor and he basically repeated the same thing that the rep said and couldn't explain to me why that if i had debt since XX/XX/XXXX then why did i never see it on my credit report. I'm reporting Convergent because i feel that they are trying to scam people out of money that they don't even owe. Once i did my research i saw plenty of reviews like mine where people said that they didn't even owe debt. This is ridiculous and they need to be stopped.

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 2019-12-16
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Although I do not believe this to be my debt, I called the debt collector ( Pollack and Rosen) and they agreed to settle fort an amount of XXXX as paid in full. However, they refused to give me a satisfaction of judgement letter I need to secure a HELOC loan for much needed repairs to my home. Even though they accepted  a settlement of XXXX as paid in full they told me I had to give them over XXXX before they would give me the satisfaction of judgement letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We had a loan with  TD Auto Finance  on our   XXXX   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   we purchased a new home. Part of that purchase required us to pay off our car loan with  TD Auto Finance. A  cashiers check in the amount of {&gt;= $1,000,000} was sent on   XXXX   and the vehicle was paid in full.   At the same time we were negotiating a settlement with   XXXX   XXXX   XXXX   XXXX   on the  XXXX   XXXX   XXXX   XXXX . We had a claim in progress at the time of paying the car off. The appointment to present the car was on   XXXX   XXXX   XXXX  . We took the car and title to the appointment.  XXXX  paid us a total of {$28000.00}. {$14000.00} was paid to us and {$13000.00} was paid to  TD Auto Finance.     TD Auto Finance  received that payment on   XXXX   XXXX   XXXX  . First we were told that the funds had to be held 21 days and they would then be mailed to us. We called in 21 days and the story changed to 31 days, then to 45 days. To make a long story short their story changed every time we called them. These funds are court settlement funds and should have been forwarded to us, instead  TD Auto Finance  cashed our check and they have held the funds every since. Today is   XXXX   XXXX   XXXX  .    TD Auto Finance  states that on   XXXX   XXXX   XXXX   they returned the funds to   XXXX   XXXX   XXXX   XXXX   by regular mail. We have been in weekly contact with  XXXX   XXXX   XXXX   XXXX  and to date the check has not been received. We calle d TD Auto Finance    XXXX   XXXX   XXXX   and the check has not been cashed. We are getting no response from either  TD Auto Finance  nor  XXXX   XXXX   XXXX   XXXX  and our court settlement payment of {$13000.00} has not been received.  TD Auto Finance  has held our funds  hostage  since   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
There was a payment of XXXX taken from my credit card ending XXXX on XX/XX/2019 that I never authorized or submitted for payment. Last payment I submitted online for approval was on XX/XX/2019 XXXX which posted on XX/XX/2019 and no other payments were authorized to be taken off that card after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had a loan modification because of health problems that 's when everything changed.my loan was a 20 year fixed I have lived in the house 16 years. After the loan modification I pretty much ended up being in debt more than ever. I am just trying to figure out if I have been a victim of a predatory loan.

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 2017-04-18
Company: Convergent Resources, Inc.
State: VA
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:
I received a letter for 50 % settlement of a debt of {$430.00} owed to  XXXX   XXXX . However, I am a current subscriber ( in good standing ) with  XXXX  and there 's no way I could be in collections with them. This is a bogus 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 2019-12-16
Company: ALLIANT CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2019, I initiated a transfer via Alliant Credit Union's website, to transfer $XXXX from my XXXX XXXX checking account into my Alliant Account. The app told me that it would be available on XX/XX/XXXX. In the past, each transfer I have made in this manner has cleared on the date that the app said it would be available. I logged into my account on XX/XX/XXXX and noticed the money had not transferred. Further, I logged into my XXXX XXXX account and them money had never left XXXX XXXX. I went into my transfer history and pending transfer list on the Alliant app, but no transfers showed. It appeared that the transfer was somehow deleted. So, I initiated the transfer again. Sure enough, the next day a transfer appeared, and a second one occurred thereafter. This second transfer caused the XXXX   XXXX account to become overdrawn. The second transfer was returned, and XXXX XXXX charged me a $XXXX  fee and Alliant   charged me a $XXXX  fee. All of this was because of the glitch on Alliant's end where the deposit did not clear when it was promised, but more importantly, did not even show as a pending or historic transfer. There was no evidence on the app that the transfer existed at all. I called Alliant on XX/XX/XXXX and requested these fees be refunded. I further told them that they should let their IT team know about the issue on their app with pending transfers not showing up. I was told a supervisor would contact me to discuss the issue. I was never contacted and the fees were not refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a letter on XX/XX/2021 that the Bureau was reporting inaccurate information in my credit report. I have not received anything from them.

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 2019-08-08
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. 





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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a US Bank customer for 25 years. Despite having no branch locations where I live, I've maintained the relationship. While traveling, I deposited an insurance settlement check in the approximate amount of {$4900.00} at a US Bank ATM in XXXX XXXX, NM on Friday XX/XX/XXXX. The check was made payable to myself, my wife, and two lien holders. ALL parties had endorsed the check. Nonetheless, US Bank reversed the deposit and now intends to mail us an " indemnified check '' which we are instructed to mail to company headquarters in XXXX, MN  along with a deposit slip.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Real Time Group, Inc.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The Company I am working with is Real Time Resolutions. 
I have about a {$20000.00} Home Equity Loan with them. 
I have had some problems paying off back payments due to lack of work onset by the COVID Pandemic. I did however continue to make regular payments last year. 

Being that I was draining what little savings I had I requested an adjustment payment plan back in XXXX of 2020. Since then it has been me constantly calling and speaking with my representative trying to get this paperwork sent to me. I have been told several times that it can take up to 4-6 weeks. After the first waiting period I was told the representative didn't complete the request information correctly in order to get the paperwork completed. But after that period I still would not receive the paperwork. 
Then I would call and be told they were not sure what happen and that it would be sent out again. I gave them my email address to provide an alternative delivery option to avoid the paperwork being lost in the mail. Again weeks would go by, still no paperwork. 
Phoned twice yesterday, spoke to supervisors, told would be sent by the end of the day. 
Today, still no paperwork. 

Please help assist me with this. I have been in constant contact with these folks at over 10 times since the original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
USAA Credit Card services has not been following the law on applying payments in excess of the minimum due on the credit card to the amount with the highest interest first. Instead, USAA applies the excess payment to the lowest interest first and then to the highest interest. I have been in contact with USAA about this and they continue to apply excess payments to the lowest interest portion first in order to illegally generate more interests from the and other unsuspecting XXXX and XXXX XXXX personnel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: FL
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-XXXX  account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed ALL my credit cards ( tot al 2 ). Th e only rationale they have given is " compliance '' .Despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations. They have sent out letters that my accounts will be closed by  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-01
Company: Credit Karma, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/2022 Credit Karma deposited {$2600.00} into my card. My federal refund was supposed to be {$2.00}, XXXX. After paying my fees from XXXX XXXX for filing, Credit Karma took out an additional {$210.00}. These fees were not discussed nor disclosed to me. My federal refund was supposed to be in the amount of {$2800.00}, instead {$2600.00} was deposited into my Credit Karma card. I did not authorize any other fees nor were any fees disclosed when I filed my taxes. I have been trying to get in contact with Credit Karma and XXXX XXXX. However, they are blaming each other for the money that was taken out of my federal refund. This is unacceptable and because of Covid, I was expecting all of my refund to pay my back pay of 3 months of mortgage payments. Please help! I would like my {$210.00} back on my card. That is my federal income tax refund. Please feel free to contact me by email and/or by phone at XXXX XXXX XXXX. I am not getting anywhere with Credit Karma or XXXXXXXX XXXX I am asking for your assistance. Credit Karma has also done this to numerous of clients who filed with XXXX XXXX. Please Help!

Company response to consumer: Closed with explanation