BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: WELLS FARGO & COMPANY
State: GA
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:
Account Numbers XXXX XXXX On XX/XX/XXXX Wells Fargo Closed both of my Secured Business Credit Cards. Which I have a collective deposit of {$50000.00} held by Wells Fargo. I also don't know why they closed both accounts and they will not tell me why they closed both accounts apparently my checking account is going to close n the XXXX of XXXX. 

I was never late and I never went over my limit infact I spent over {$100000.00} some months and never carried a balance. So the account was not closed due to performance. 

I have received several pieces of mail from Wells Fargo. In the form of letters telling me my account is closed. I got a statement saying my account is closed and a response to a letter that I wrote. 

However, I have not received a check for my {$50000.00} nor any guidance on when that is going to happen. There was no balance on the account when they closed them in fact I overpaid and should be getting {$50000.00} back to be factual. 

I have called and no one can tell me when I am getting my {$50000.00} back. 

So I am in limbo I want my {$50000.00} back because we are going on two weeks and I feel once again when I check my mail today there will be no check for {$50000.00}. They don't seem to be in urgency in getting my money back to me. 

At the moment I don't care why they closed my accounts. I do care about getting my {$50000.00} back as soon as possible. So anything that the CFPB can do to hurry this process along I will be very grateful. 

{$50000.00} is a lot of money to have just floating about with no indication of when I am getting my money. 


Regards 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 2020-12-11
Company: The Bureaus, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The Bureaus Inc put on my credit report an account where I was never served notice of the collection item and was never given a chance to dispute it or ask for proof of claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: PNC Bank N.A.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was Approved for a small XXXX cash advance that I needed to be able to has vehicle Pnc denied the company to sync bank account Im doing right by avoiding overdraft negligence I make a great biweekly salary that has taken its toll yes I am working but doing way more we are having to deliver services which the company is not compensated gas

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Since XX/XX/XXXX I have disputed this with Trans Union numerous times, I have a good standing credit card with XXXX. XXXX I had an issue with the amount that was reported and I asked trans union to correct it Im guessing the representative misunderstood me and they deleted the account altogether. This is a good standing account and is helping my credit drastically on all my other reports Equifax has it all correct. XXXX can verify that this card is good standing and still active but every time I call Trans Union they are refusing to put this account back on my report by them not doing this it is hurting my credit bad. Please help me fix this Ive been working on this for over a year with no progress XXXX reached out to Trans Union and they still have not fixed it. When Trans Union deleted this account it dropped my credit XXXX points I would love for these to be restored as this error was not my fault. Please help me Ive tried everything. I have attached XXXX attachments to this message XXXX attachments are from Trans Union showing where the account Was deleted and caused my credit to drop XXXX points the other XXXX attachments are from Equifax and show the credit card still being reported and in good standing.

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 2020-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, equifax, XXXX and any other parties who have access to my information and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon, there is a collection in the amount of {$260.00} with ERC out of XXXX Florida. They are attempting to collect a debt for XXXX  cell phone service. We tried contacting XXXX but they were bought out by XXXX. 

Originally we opened an account and bought phones thru XXXX XXXX. We were told we had 15 days to return phones and cancel service. XXXX and XXXX XXXX obviously do not work in harmony as we got collection calls down the road over a debt that we didnt even know existed nor should it have. I tried contacting ERC and they are virtually impossible to deal with but the bottom line is this really shouldnt have ever been in collections at all. We would like this to be completely removed, and I honestly dont even care about the money if it went to XXXX  because of XXXX XXXX error, but I dont feel its just

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My rights as a citizen and a XXXX vet have been violated under FCRA/FDCPA by Guardian Capital Management. They have reinserted a previously reported debt. I have been advised by my attorney that I am entitled to {$1000.00} per violation in statutory damages and attorney fees. I do not wish to go down that route, but am prepared to do so. 

I am requesting that the CFPB please investigate this matter / Guardian Capital Business Practices. Please see attached correspondence and proof of military status. 

cc : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: FL
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:
I have disputed the information with Equifax over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. Equifax fail to do the same. I am attaching my XXXX report. Please have Equifax to update the records to reflect the accurate information that XXXX has within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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 made a deposit via ATM for {$500.00} cash at the instruction of a bank employee on Saturday XX/XX/XXXX. The atm did not record the deposit properly and jammed. We were only credited {$240.00}. I called the bank immediately and was assured the atm counts everything and my {$500.00} posted. This was not the case. I contacted the bank again on Monday and was told it was sent to another department to investigate. After speaking with multiple people in the call center over several phone calls I went into a local branch for assistance. They also were unable to help me and referred me back to the call center. On Friday I requested someone from the dept investigating this contact me and was assured I would receive a call Monday. I did not receive a call. I received a letter stating Wells Fargo is only crediting {$240.00} of my {$500.00} deposit. I have also requested on 2 occasions that they pull the cameras from the atm as I counted it prior to deposit and was denied. I have also been brushed off when inquiring about filing a complaint with management. This account is a joint account with my XXXX XXXX. This is her money she earned at her summer job and we are getting no assistance when this was Wells Fargos error and broken ATM machine.

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 2022-02-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have called PNC XXXX times to close my account. I was told I was unable to do so all times unless I had a XXXX balance. Today I received an overdraft fee from account service charges. I just want this account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a credit card online on XXXX XXXX 2015 and within few minutes I got a message on my screen saying my application was approved and I will get the card within 1 week. I did not receive the card till XXXX XXXX and when I called, they said I will receive within 5-7 business days and that too 'after the card is mailed '. So at the very first place they should not have given the statement that I will get the card within a week. 
When I requested them to send it via expedited shipping they refused. 
I waited till XXXX XXXX ( which is after 7 business days ) and then I called them. The executive told me that he will cancel the original and send me a new one via expedited shipping and I will get the card within XXXX hours via XXXX. I waited till XXXX XXXX and did not receive the card. 
I called them up again to get the tracking id of XXXX and now they told me it will take take more 5-7 business days for them to mail the card and then again 5-7 business days for me to get the card. Then I spoke to the executive 's account manager and he said I will get my card in 5-7 business days. 

I had my plans for the card and finally all travel plans ruined, vacation plans go waste and left with nothing but utter frustration. 

To conclude -- they provide incorrect information over internet. 
- customer care executives give wrong information to customers. 
- they do not have a dedicated department to take care of these grievances which canont be taken care by customer care. 
- they do not have the process of sending expedited card to new customers where as other credit card companies do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of american closed my credit card suddenly without telling me anything. I have been used for years and never had a late payment. Also, I have approx. {$62.00} cash reward in there and they did not redeem for me. I have called many times and nobody could help me. No reasons were given.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a federally protected consumer and a natural living person. I am aware that this company by the name of Collecto/Eos Cca , is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Collecto/Eos Cca should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XXXX 2016 I applied for income based repayment specifically Pay As You Earn on loans entering repayment through my provider Nelnet. After 20 days I called and asked about the status they stated that I did n't submit XXXX forms of proof of income which is not stated on the application for income based repayment. She told me that she would put the loans into forbearance for me so that nothing would be due until XX/XX/XXXX giving them enough time to process the application. In XXXX 2016 I receive a statement for several thousand dollars. I called Nelnet once again and was told that half of my loans do not qualify for XXXX and would be placed on a different income based repayment plan. Again she said she would put an administrative forbearance on my account so that nothing would be due until XX/XX/XXXX giving them time to process a second application that I was told to submit. She stated that my first bill would be due in XX/XX/XXXX for {$200.00}. Last Friday XX/XX/XXXX I received a call from Nelnet 's collection department telling me that I was a month past due on a nearly {$5000.00} bill. I explained everything I had been told in the past and pulled up a recent statement I had gotten that said payment was n't due until XX/XX/XXXX. She placed me on hold for 10 minutes and then returned saying that the reason I had a bill was because I had n't renewed my income based repayment plan. I explained that it had n't even been a year since I graduated and my grace period ended in XX/XX/XXXX. She was confused and put me on hold a second time for 10 minutes to speak to a supervisor. When she returned she told me that there were several notes on my account and she needed them to be processed and she had passed on my account to her supervisor. I confirmed with her that I was on forbearance until XX/XX/XXXX and that I would n't be paying {$5000.00} monthly. She confirmed that was the case. Prior to speaking with this particular agent I did some research myself to see why some of my loans were not eligible for PAYE as well as finding out if I could switch providers considering my troubles with Nelnet. In that research I discovered that if I consolidated my loans they would all be eligible for PAYE and I could switch to a different servicer. I 'm at a loss for why Nelnet had not previously discussed this option with me as they are tasked by the Department of Education with providing basic services such as loan counseling. I 'm also at a loss to describe the anger that I have since my loans have continued to accumulate interest due to Nelnet 's lack of communication and untimely processing of applications.

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 2022-02-27
Company: Experian Information Solutions Inc.
State: OK
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: Problem with personal statement of dispute

Complaint:
I sold my home in XXXX 2018. My loan was with XXXX XXXX XXXX. I was told at the end of XXXX, during the closing process, that the closing would satisfy the remaining payments of the loan. I now show 2 late payments over 30 days for XXXX and XXXX of 2018.

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 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One caused my credit score and payment history to become terrible. On XX/XX/XXXX of XXXX Capital One chose to change my credit card due date on three credit card accounts that I hold with them from the XXXX of the month to the XXXX of the month. The cycle and payment due date change took affect in XXXX of XXXX. I was able to make the first set of payments but quickly begun to fall behind because I have other debt obligations that are due in the beginning of each month. I made requests with Capital One to change the due date back to its original date in XXXX of XXXX. It wasn't until I filed a complaint with The CFPB In XXXX of XXXX that they immediately changed the due date back to the XXXX in XXXX. By that point the disruption to my finances had already taken its toll and I fell behind. I missed payments in XXXX, XXXX, and XXXX of XXXX. On XX/XX/XXXX of XXXX I enrolled in a payment plan to bring two of the three credit accounts out of their collections status. On the credit account that is the subject of this complaint agreed to make three scheduled payments of {$250.00} starting on XX/XX/XXXX to bring the account back to a current status. I was also informed that If I were to have no other late payments on the account my charging abilities would be restored. I have made every payment that was scheduled and brought the account back to a current status as of XXXX XXXX on both of the accounts that fell behind. I have paid on the accounts with no late payments since XXXX of XXXX up until my most recent payment of {$2000.00} on XX/XX/XXXX. My other credit card account that was in collections was restored in full and was under the same payment plan. Capital One will not restore my other card despite my completion of the payment plan as agreed.I reached out to Capital One on XX/XX/XXXX to see why my card is still showing as being restricted over a year later and received terrible customer service with no help I place three separate calls that were recorder on their end to to their collections department and was hung up on twice after waiting on hold for thirty seven minutes for a supervisor. The representatives that I spoke with have claimed that my account has gone past due in several instances since I entered into an agreement with their department and that Is why I will no longer have the " privilege '' of charging on the account again. When I requested to be informed of the dates when these instances occurred, I was told that there was a system issue and I needed to be placed on hold while the representative contacted a supervisor. After being placed on hold for 37 minutes on two occasions, I was hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by 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 non-monetary relief
Consumer complaint received 2020-03-03
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took advantage of a citi flex loan offer from my credit card. I spoke to a representative at Citi who was helping me with the loan. I was concerned with the card reporting a maxed out which would negatively affect my score. The representative reassured me multiple times that it would not show on the credit bureau and she even checked with a supervisor. When I went to refinance my home, I learned the card was shown as nearly maxed out and it had dropped my score 30 points. I called Citi to see if I could get a credit limit increase instead of having to pay off the whole card. Multiple representatives informed me I was ineligible for a limit increase to decrease the utilization of the card. In summary, the citi representative I first spoke to lied to me in order to make the sale. Then, the bank would not help me out to increase my limit to lessen the impact the card has made on my credit.

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