BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XX/XX/2017 Hard Inquiry report do not recall this inquiry please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing this complaint to ask for help one last time. I have been in a continuum of crime, which includes the fraud that I reported to Wells Fargo months ago. I don't blame Wells Fargo for my victimization ; on the contrary, I had hoped they would help take the offerings I provided, and use what resources they might have to get actual professional validation of my claim, which would then bring justice. I have all but given up hope now that I am going to be afforded my consumer rights and be given my stolen money back, but I am asking once more for my money to be returned to me by Wells Fargo. I don't know what else I could have done to assist WF regarding this matter, but I did everything I could think of. I still need help, but nobody seems willing to stand up for me. Despite the overwhelming evidence I have of the unbelievable victimization I have endured, I am no closer to being validated in the administration of justice, then I was when it first began. The people who have done this have destroyed my life, and their method of victimizing me is truly brilliant, because they have gotten away with a horrific criminal spree ; and thanks to the lack of investigating by law enforcement, and now my bank, they have also been paid handsomely with my own money to do so. It is unspeakably frustrating to know that I have offered up the proof of the fraud, and of my victimization in general, yet nothing seems to help me at all. Unless Wells Fargo affords me my rights as a consumer, I will have no other option at this point but to seek legal representation to assist me. I know once that happens the CFBP can no longer assist, alas, the CFPB hasn't changed much about the outcome of this situation. I am grateful for the help both the CFPB and OCC has  offered to date. I am providing further substantiation with this complaint that I tried to enhance for better sound quality. It is more evidence of the fraud for Wells Fargo 's meticulous review. I certainly hope it helps, however there is three open complaints already ; two of which WF hasn't even responded to at all. I have tried to upload several other audio and video files here but they exceed the amount allowed. What more can I do?

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 2015-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was charged a {$5.00} fee by Bank of America for withdrawing {$30.00} on or about XXXX/XXXX/2015. There was no disclosure of the at time of the transaction. 

I called Bank America customer service number on the back of the card XXXX on XXXX/XXXX/2015 around XXXX central and was told that we were on a recorded line. I shared my concern regarding a {$5.00} fee and was told that the fee was because of a {$20.00} withdrawal at a gas station on XXXX/XXXX/2015 but that he did have the authority to waive the fee. I requested to talk to a supervisor, XXXX the supervisor said the fee was for a transaction of {$30.00} at another bank. I again explained that the fee was not disclosed and that I would not knowingly agree to pay {$5.00} to access {$30.00}. XXXX said that she did not have the authority to waive the fee. I requested the next layer of management to take my complaint to and told that there is no one else at Bank Ameica to take my complaint. 

I am filing this complaint because I do n't believe the undisclosed {$5.00} I was charged is fair and have no other recourse through Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I have some fraudulent information on my credit report that do not belong to me. I do not recognize them, nor did I authorize them, Can you please delete and block the following fraudulentinformation from my credit report. 
*See Attached*

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing 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 non-monetary relief
Consumer complaint received 2017-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
First I had to sign up for a credit monitoring program just to see my scores A student loan over 25 years old is showing on my report again it was removed ed over year ago and now it 's back on ... .. the sol. Has expired I want it tempted from all XXXX cbr, so This has been and issue for over 3 years I have had to pay on accounts still reporting that should never have been on my report. I believe I should be included in the compensation for consumers due to the improper practices in turn reporting I have lost over XXXX dollars because of transunion, s reporting practice es

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 2020-01-15
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received the 'Hazard Reeves ' loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. This loan was serviced by " ACS Loan Service Provider ''. This company no longer exists and now appears to be " Conduent Education ''. However when I visited their site, it seems to they are no longer servicing my loan. 

From their site : " As of XX/XX/XXXX, Conduent Education ( fka XXXX ; ACS Education Services ; XXXX XXXX XXXX ) services has ceased all Student Loan servicing of all forms of such loans and all loans have been moved to other servicers. '' I have no idea who is currently servicing my loan and I have no idea how to find out. Since graduating in XX/XX/XXXX, I started seeing 2 missed monthly payments on my credit report for this loan. 

I need to know who is currently servicing my loan so I can pay the missed payments and keep my account current. I also need these missed payments removed from my credit report. I have every intention to pay off the loan but did no receive any communication about who my new loan servicer is, so I was not able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have/had account ( s ) with PNC Bank, some for 25+ years & others current accounts. For some reason they have closed them. They tell me to go to my bank account disclosures. This makes no sense to me. I maybe " being '' discriminated against by PNC Bank, I do n't know?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The information contained within my file for XXXX XXXX is incorrect. The company states the account was open on XX/XX/2016 but also states that payment was made on XX/XX/2016. This information is innacurate and after multiple requests XXXX XXXX has not been able to provide any documentation showing the account was opened by the customer. They also have been unable to provide any documentation of payments made to the account on XX/XX/XXXX or any other date. XXXX is in violation of the FCRA. In accordance with the FCRA XXXX is required to provide any and all documentation requests. They have not provided any documentation for the account at all. The credit beareau is also in violation of the FCRA. The credit agency has failed to verify documentation of the debt to the borrower from XXXX XXXX. Pursuant to the FCRA the credit agency is required to formally verify that XXXX XXXX can provide accurate proof of the debt belongs to end userand all information contained in the file is accurate.

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 2016-01-13
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX, Inc was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the XXXX XXXX of the City of XXXX. 
I requested for an explanation from the mortgage servicer KeyBank Real Estate Capital during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX XXXX XXXX, XXXX XXXX and when XXXX Mortgage XXXX, XXXX or XXXX XXXX XXXX, XXXX indorsed the subject note to XXXX XXXX XXXX, XXXX XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, on  XXXX  my statement closed and I was supposed to receive over  XXXX  US Bank points. I worked hard in meeting the minimum spend to receive the  XXXX  bonus points. Then on  XXXX  I logged in and my account was closed. I was told I used cash equivalents but I just shopped at my local grocery store. I received no warning and terrible customer service.

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 2022-02-22
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am a self employed clinical social worker in private practice and I accept insurance payments for patients. They insurance company recently started paying me with virtual credit cards, despite not having my own POS system. I needed access to those funds and decided to go ahead and use Squares services and pay Squares fees in order to get paid. 

I had trouble understanding how to deposit the money, and was entering the wrong zip code, which flagged the account for fraud. I was asked to furnish more information which I did-Bank statements ( which I needed to black out in order not to violate HIPAA laws ), New York State License , website, however despite all of this, I was told that my account had been deactivated and my funds in a hold for 90 days. WITH ZERO EXPLANATION. I can not refund the payments because it is a virtual credit card and once the funds are disbursed it is inactive. It seems unconscionable that after taking 3.5 % in fees, plus service charges, Square gets to then retain the fees and hold my money for 90 days.

I spent 30 minutes on the phone trying to get through to someone and the woman XXXX refused to let me speak to internal affairs, nor would she give me an explanation as to why my account had been deactivated and my funds frozen. I am a small business, I pay quarterly taxes, and having upwards of {$6000.00} held for 90 days is a major hardship for me. I was in tears on the phone and the womans response was I have a family too, I cant let you speak to anyone else.

Nowhere in the terms does it say we wont accept health insurance virtual payments. In fact it says that prepaid cards are accepted. 

This seems like an incredibly punitive way to treat customers, particularly after I gave up highly sensitive information to prove the eligibility of my transactions. There is no one working with me, no one talking to me, its all being done online in a very furtive and covert way, and the customer service rep I reached on the phone would give me zero information or support. She eventually told me she was hanging up since she had already told me three times that there was no one else I could speak to. 

I am appealing to you to review my case and release my funds before the 90 days. I gave up all the information requested of me, I am a licensed clinical social worker with the state of New York, I dont understand how much more eligibility you need from me to prove the authenticity of my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am XXXX XXXX XXXX. Have health issues. Provided my son a list of creditors, banks, a brokerage house. When I die, he 'll be able to communicate ; close accounts. Receive in return, outstanding investments. <P/>I created this policy at least a year ago. From time to time, contact creditors and such, to verify that the information I provided my son is accurate. <P/>XXXX XXXX XXXX, I entered Fifth Third Bank, XXXX XXXX XXXX, XXXX, FL XXXX. Ph. # XXXX XXXX. Communicated with XXXX XXXX, Personal Banker II. <P/>Ask that he update procedures ; what my son most provide / accomplish, to close my checking account when I die. <P/>Was informed, ''-Send a copy of the death certificate. '' I was astounded. Asked if it need be a copy or an original death certificate. '' The response, ''-A copy is fine. '' XXXX XXXX indicated that my son is the designated beneficiary.. Mentioned, ''-we do n't have his social security number. We 'll need that. '' Was told to come back after lunch as XXXX XXXX 's lunch hour approached .... some 30 to 40 minutes later. ( For the record, I am a seven minute ride, give or take from this office. ) Upon arriving home I reviewed my documents ; Fifth Third Bank ; Policies/Procedures. Discovered when I opened the account I was instructed, when my son contacts the bank to close the account, he must provide an Original Death Certificate, a copy of his drivers license and a notarized letter indicating he is the beneficiary. What he wants the bank to do to fulfill his requests. <P/>Upon returning to the desk of XXXX XXXX, I mentioned my discovery, as mentioned above. He replied, ''-well, yeah. That would be useful as well. '' When I asked why the person who opened the account did n't request my son 's social security number, he simply could not explain why. <P/>Upon leaving this bank, I went to a XXXX location. Shared with a representative what I mentioned to you. <P/>The Representative stated, ''-there is no reason why you would have to surrender your son 's social security number to him. '' Woa! <P/>I realized that my notes ; Policies and Procedures, concerning clearing the account, that XXXX XXXX did NOT indicate that my son must present his Soc. Secur. Card. <P/>THERE IS LEGITIMATE REASON WHY XXXX XXXX DEMANDED THE SOCIAL SECURITY NUMBER OF MY SON! <P/>I phoned Fifth Third Bank-HQ this morning. No one provided Policy & Procedures. Demanded that my son 's Soc. Secur. number be purged from 5th 3rd. computer. Was told I 'd be contacted within 24-48 hours. <P/>I stated that I receive a letter indicating my son 's Soc. Secur. number was purged. <P/>I AM horrified. Dejected. Believe I put my son 's security / life and his family 's in HARMS WAY! <P/>Help me! I believe I have been intentionally deceived. Do what must be accomplished. <P/>Thank you. <P/>XXXX XXXX XXXX XXXX XXXX, XXXX , FL XXXX Ph # XXXX XXXX Screen name ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed my a credit report Collection entry by a collection agency which took me to court on a debt that they did not legally prove that they owned. A Judge in Massachusetts Ruled in my favor dismissing the lawsuit and Equifax still verified the debt and wo n't remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was told if I paid the overdraft balance owned on Account ending in # XXXX that the Chexsystems reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my Chexsystem report back in XX/XX/XXXX still shows XXXX  XXXX XXXX reporting the debt. I called today XX/XX/XXXX to XXXX  XXXX XXXX recovery department told them I paid said shows it paid but they can`t remove it from chexsystems before I was told the balance was paid it`ll be removed

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 2022-06-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
i have a checking account with HSBC. I found my balance was not correct and that happened in between XXXX and XXXX. I called HSBC asking monthl statement for that period. They said the oldest date they can provide for statement is from XX/XX/XXXX. Please help me to get statments from XXXX XXXX from HSBC. 
The account # is XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I called best buy twice for an hour. They would not give me the information of my account that I asked from charges to having no interest for 18 months. They kept putting me on hold. This is very XXXX. I want to report their lack of helping me or providing any services to me AT ALL. I still do not know my interests plan I chose or the charges as well. I would ask for someone to tell 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 2022-02-22
Company: ALLY FINANCIAL INC.
State: GA
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:
Several attempts made to remove uknown or authorized inquiries on my credit file to these companies listed with no progress.

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 2022-02-22
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Someone called from XXXX Knows my address and social number trying to collect on a discharged bankruptcy debt past 15 years ago. Fraud debt collection agency

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 2022-02-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US SM BUS ADMIN ODA XXXX XXXX FRADULENT ACCOUNTS 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was going over my report when I realized I have been a victim of identity theft. The accounts/ inquiries below are fradulent FRADULENT INQUIRIES BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRADULENT 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