BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-25
Company: AES/PHEAA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX2017 I submitted a wire transfer to satisfy my loans in full. It went through XXXX XXXX XXXX which immediately funds the credits in the same business day. As it is customary for the XXXX XXXX XXXX  to provide real-time gross settlement. XXXX XXXX XXXX uses a system that enable its participants to initiate funds transfers that are immediate, final, and irrevocable once processed. 

NOTE : I kept a eye on my account during the four- five day processing time it took to verify my credits were available. It was a weekend that 's supposedly why it was longer than usual. So on Tuesday of this week I reviewed my dashboard and found that every thing was verified and correctly updated. Student loan paid in full. As it should read. 

Two days later they reversed it and refused my payment. saying that my information was incorrect. So i called and spoke with a representative that informed me that they did indeed receive the credits from the sending bank, but had to refuse because my routing number was incorrect. I know this is false because as stated above, the wire is instantaneous. 

https : //www.federalreserve.govXXXX If you take someone to court over a {$100.00} dispute because the person who owed you paid you the equivalent in jelly beans ; its pretty much your choice to accept or refuse payment. The thing is that you were reciprocated with a offer, yet refused. 

Debt discharged. 
So. Since they

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
WellsFargo has  locked me out of my online account. I can no longer access any of my accounts or funds. They have changed their story multiple times as to why this is happening. My account username exceeds all their security requirements. I have had this name for 14 years without any issue and it has never been comprised.

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 2022-09-02
Company: EQUIFAX, INC.
State: PA
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:
Dear CFPB, I have sent several letters to the agencies regarding inaccurate information in my credit file. The bureaus claim the account is verified. The inaccurate information remains in my credit file and has impacted my file negatively. Now I would like to file my CFPB complaint formally. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance to FCRA, Section 611 A through D, They are supposed to let me know who they verified with. I asked them to delete anything that is not XXXX percent accurate. I have a lot of inconsistencies between the XXXX bureaus, below I have listed them out for you. 

XXXX Account Name : XXXX XXXX  Account Number:XXXX Errors Found -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXXbureaus -last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus EQUIFAX Account Name : Sunfed Account Number:XXXX  Errors Found : -open Date is not uniform with all XXXX bureaus -Last reporting date is not uniform with all XXXX bureaus -Last active is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus XXXX XXXX Name : XXXX XXXX  XXXX Number XXXX Error found : XXXX Date is not XXXX XXXX all XXXX bureaus -last reporting date is not uniform with all XXXX bureaus -last active date is not uniform with all XXXX bureaus -Date of last payment is not uniform with all XXXX bureaus I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms, is an admission of guilt and a direct violation of my rights of a fair investigation. I am not sure how They can state it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate coming from XXXX source, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section XXXX due to the inconsistencies coming after my original request of investigation. 

At this point, I demand this account to be deleted immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report to the address below after they have completed the deletions Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
OnXX/XX/XXXX I deposited a cashier 's check into my BofA checking account and was told the funds would be available next day. This check was from a new employer that I had recently been in contact with and did not question the timeframe of the funds being available. The next day, XX/XX/XXXX all funds ( XXXX ) were available. I then purchased XXXX gift cards as per request of the employer and made two money transfers through XXXX, one for XXXX and another for XXXX that same day so all money was spoken for ( both of these transactions are visible on my transactions list online and with the bank ). I checked my bank account the next Tuesday, XX/XX/XXXX and saw my account was negative XXXX. I called the bank, they told me the check bounced.. I then called my employer to let them know and asked for another check to be sent to bring my account positive as this was their error. They overnighted a check for the same amount ( XXXX ) and I deposited it into the ATM machine on XX/XX/XXXX, the very next day, the ATM machine stated there would be a hold on the check until Friday XX/XX/XXXX, so I waited. Friday came, and I checked my account and now I am XXXX overdrawn because this 2nd check has been returned. What I 'm confused about is the fact that the check is said to have been returned, yet there is now a new hold on this amount ( XXXX ) until XX/XX/XXXX.. next Friday. I called the claims department, and they said because I personally deposited the checks, they can not help me and it is now my responsibility to cover the amount overdrawn, even though they were the ones who told me it was fraud that was happening.

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 2022-08-04
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX2017 {$630.00} I called to see why this was being reported on my credit report after I was a Voluntary repo. And it was sold and I now have to pay the difference from the sale. This was written off / charged off. I start getting threatening calls that they were going to take my to jail if I do n't pay the balance from the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX,  GEORGIA XXXX To : XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX  Subject : Returned Item ( Tent ) on XX/XX/XXXX. AFFIDAVIT OF TRUTH I returned the tent that was sent without a canopy, no directions for installation, and the wrong color on XX/XX/XXXX via XXXX  delivery. Call tag number XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ; a total of 4 boxes returned to shipper.
Payment for the tent was made through PAYPAL, A dispute was submitted to PAYPAL for the returned item. The dispute included the reason for the return as being the wrong product ( color ) amongst not having instruction, and missing the canopy, and other parts. SEE EXHIBIT A thru F You or your supplier should have received the returns, and verified all the issues in my complaint were accurate, thus rendering a full refund. Thirty ( 30 ) days have passed, and all settlements should have occurred. PayPal has my account remaining in dispute which is depriving me of the purchase amount. I have fulfilled my obligation in returning the items ( s ) to the sender XXXX XXXX. All accounts shall be made current and reflect accurate status of my obligation ; XXXX amount owed to Paypal credit and XXXX amount owed to XXXX XXXX
- {$700.00} USD XX/XX/XXXX  XXXX Regards , XXXX XXXX Cc : PAYPAL XXXX XXXX XXXX, MD XXXX ( Paypal has closed there side of the case and charged me the full price for items I do n't have. I Sent the letter below to both the shipper and Paypal with exhibits from XXXX website showing the items were returned. Paypal still will not credit me the purchase amount. I need some intervention. I have tried to respond within Paypal system, but the system always state there was an error one the respond button was selected. I sent the letter via certified mail return receipt. I received the green card back without signature? I am asking for a full investigation into the dispute process of Paypal. I should have received a refund within 30 days, that did n't happen ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I cashed a check for {$300.00} in my checking account on XXXX/XXXX/XXXX. XXXX week later on XXXX/XXXX/XXXX, Chase bank debit me for {$500.00} because they say their teller system processed that check for {$800.00}. But I did n't receive the extra {$500.00} when I cashed this check. I asked the bank to send me an evidence that they actually paid me {$800.00}. But they do n't have. Instead, they use an internal Deposit Account Agreement that they can always to debit me for any debt. They ca n't prove I own them any debt. This is complete nonsense that the bank debits me {$500.00} for their internal operation error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-08-27
Company: Experian Information Solutions 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:
Hi I am a victim of identity theift since 2012 I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone 7yrs now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were 44 credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX XXXX because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since 2012 and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX  because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in God and that somehow the true will be seen.

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 2022-09-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I spoke with Navy Federal on the XXXX of XX/XX/2022 the department was over deft department, I told them that I wanted to take next weeks deposit and place in my account that was almost XXXX old and the rep agreed but on the XXXX of XXXX the automated system placed it in the wrong account and I called to see if the would take the money and place in the correct account and I was denied. I was not able to speak with a supervisor myself but was denied that right and was hung up on multiple times and was told that I could not speak with anyone in the over daft department by a supervisor in checking department who was very nasty and rude and by multiple customer service representatives more than once and more than twice and more than XXXX times. I was told by a leader that tried to assist me but wasnt successful due to the time this was in the branch that when I left Navy Federal on the XXXX of XX/XX/2022 to call and only ask to speak with a supervisor in the over draft department this was after XXXX central time, I called was denied the right to speak or to be transferred to the overdraft collection department by every rep that got on the line. I was abused by rep named XXXX and he hung up on me and stated that I needed to stop calling because my issue will not be resolved. Because of the stress and unfair way I was treated by navy Fed I did lash out on XXXX conversations because of the unprofessional attitude of the supervisor and representative for that I apologize, but it did not give other representatives the right to mistreat me when I called back to try to speak with a supervisor in overdraft department. I would like to verbally make a commitment against these representatives Navy FederaXXXX is a good credit union and I never had issues with customer service but on XX/XX/2022 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX amount- {$980.00} actions that were taken by you or the company-reported on my credit report, processing dispute, advised me to complete this form to finalize the dispute LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: PNC Bank N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to link my account and for some reason they have stopped me from doing so i have had nothing but trouble with the bank since I opened my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize any  one to u se my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax seems to have released my personal identifying information, including Social Security number and credit card numbers, to unknown persons as part of the 2017 " hack ''. They should compensate me for my time and trouble monitoring and scrubbing information about me in their database in the months to come.

Company response to consumer: Closed with explanation