BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-29
Company: AMERICAN EXPRESS COMPANY
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
These facts, documents, and information are submitted to refute th e American Express allegation th at I agreed to pay  XXXX   XXXX  {$40.00}.     Attached a re two  emails from  XXXX   XXXX   XXXX  that were sent to me after I ordered a tactical flashlight for {$9.00}.  One  email is an invoice and the other from a  XXXX   XXXX  advising who will do billing for the light. Please note that not  one o f these emails permits the usage of my credit card for  XXXX   XXXX   XXXX , edited by  XXXX   XXXX .     Now, whether  XXXX   XXXX   XXXX  or  XXXX   XXXX  bills as   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   or  XXXX   XXXX   XXXX , or  XXXX   XXXX ,  XXXX , it is merely an alias website for the same entity : possibly  XXXX   XXXX . In addition, this would include the  XXXX   XXXX   XXXX   XXXX  reports mentioned in the  XXXX   XXXX ,   XXXX   email, which is also included. It is possible that someone could have obtained access to the database for the flashlight, and then charged the {$40.00} to my account, following up with the bogus email.     Now, there is very little inference in the information, which I provided. It appears that the {$40.00} charge on  XXXX   XXXX ,   XXXX   stems from the purchase of the tactical flashlight, which I did purchase.     Please review the email dated  XXXX   XXXX ,   XXXX  . Said email refers to the purchase of the flashlight. Also, note that the invoice and email from  XXXX   XXXX  also references the flashlight. However, neither of these two emails contain any reference to a {$40.00} purchase of information from  XXXX   XXXX ,  XXXX   XXXX , which appears to be a sort of holding company.     It is not until  XXXX   XXXX ,   XXXX   that a  XXXX   XXXX  makes a false allegation that I purchased regular reoccurring issues of  XXXX   XXXX   XXXX   XXXX .     Now let me make this perfectly clear. I purchased a flashlight on  XXXX   XXXX ,   XXXX  . Moreover, I never purchased a  XXXX  &  XXXX   XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Number- XXXXThe last complaint and this new complaint is not duplicates? 
1.I paid XX/XX/XXXX and XX/XX/XXXX. The credit bureaus are showing 90 and 120 days past due! You have not corrected this! What does Wells Fargo NOT understand.This I believe has become Personal.I will continue to address and complain about this issue until YOU correct it and make it right! 
2. Your loan rep XXXX told me on a recorded line it would take approvimately 2 weeks for the modification. When will Wells Fargo stop ignoring this and take accountablity for what XXXX told me.WHY SHOULD XXXX and myself SUFFER because of his mistake. I was told well XXXX you could have canceled it NO NO NO my credit was already ruined I had no choice! 
He works for Wells Fargo therforee you are responsible for your employees and what they communicate to the customers Correct? YES or NO? 
Therefore what are you going to do to make this issue right. 
You should n't just ignore and act like oh well mistake on XXXX 's part the XXXX 's will just have to wait it out on their credit Bureaus! 
Is this the right way to do business and take care of your customers. 
I will continue to work on this issue until it is justified. 
This is not a duplicate handle the XXXX issues Do not tell the public a lie and just ignore me Handle this the right way! 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This account XXXX has been on account for over SEVEN years.

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 2022-11-23
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been dealing with Navient for several years in an attempt to continue to fulfill my payment obligations. For several years ( approximately 20 ) I have been making payments under an Income Based Repayment schedule, retiring in XXXX  and moving to an IBR program shortly there after. For many years there were no issues to note. 

In the last five years or so there has been ongoing difficulty with Navient and having our payments being reflected correctly. I have had many phone calls ( dozens, if not over a hundred ) of phone calls with Navient representatives attempting to address whatever issues may exist. In several cases we would appear to reach agreement in discussion, only to receive correspondence indicating something different from what was agree. 

In an act of desperation, in order to attempt to truly address what Navient appears to see as continuing lack of payment, I send them nearly {$2000.00} in response to a letter in XXXX indicating that my account was delinquent in that amount. To be clear, I have been continuously making monthly payments for the amount due throughout the course of this loan without interruption for the amount due. 

My hope was that that act of payment would address the matter as they saw it. It did not, instead letters indicating late payment continue. My payments are sent through a bank bill pay service, same time and amount each month. My records are clear that Navient is being paid. 

I believe Navient is acting intentionally to create this situation that I have actively engaged in attempting to address. No action on my part over the last several years appears to appease this company, which has brought me to you at the XXXX XXXX XXXX XXXX to possibly help address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Requested the Method of Verification to XXXX XXXX XXXX. XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name FIRST NATIONAL BANK OMAHA Closed No Info This is Identity fraud ive done police reports, and FTC.GOV XXXX is continuing to report this fraud

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 2016-12-06
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My bank, Wells Fargo, erroneously reported me as being delinquent on my credit card payments and referred me to a credit bureau. When I called on XX/XX/XXXX they told me that I was paid up on my credit card and there was nothing they could 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 2016-09-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Mortgage has established a scheme to prevent its customers from legitimately paying down their mortgage by paying on a bi-weekly basis. They hold on to a policy that says that they can not accept partial payments, when in fact this is not the case. They will hold funds in an " unapplied '' status until the second payment comes in. They are getting the payment interest free from their customers, and charging them interest in the interim. I had made an extra XXXX payment, then proceeded to establish a regular bi-weekly payment for the following month. I received a notice stating that the " balance was due '' on my mortgage account. It is an utter lie. This must be stopped! We taxpayers bailed these banks out and this is the way our government allows us to be treated and it is totally unacceptable.

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 2022-11-23
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:
On XX/XX/22 and XX/XX/22 I sent Experian Identity Theft reports from the FTC regarding erroneous accounts on my credit file. Experian did not block and remove those accounts from my credit file within 4 business days as required to by law. In Experians recent response, it didnt bother to investigate my claim again. Experian is enabling identity fraud and defamation of my character. The fact of the matter is that this company can not verify an item is mine when it doesnt belong to me. I sent you the FTC report, as I was instructed to do. You failed to follow the FCRA and remove the accounts mentioned on the report within four business days. You hereby admitting to being guilty of the Enablement of Identity Fraud.

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 2017-03-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The following inquiries are fraudulent and have been reported to XXXX as fraudulent, yet they refuse to remove them. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date of Request : XX/XX/XXXX Address Identification Number : XXXX Furthermore, they have my address as XXXX XXXX XXXX XXXX without the apartment number listed as a separate address when they have my correct address with my correct apartment number.

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 2015-12-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have contacted XXXX and XXXX and experian to correct some errors with my reports. XXXX and XXXX corrected the errors and my score has increased due to the help. Experian did not correct the incorrect information and I disputed the inaccuracies 3 times. At this point the my score with XXXX and XXXX is between XXXX and XXXX. My score with Experian is still around XXXX and has not increased. I have been refused financing options from companies that are using Experian and this difference and refusal to help is unacceptable. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX University and XXXX XXXX back in 2009 and now they are no longer operating in Minnesota due legal or other issues.When XXXX schools closed, transcripts were sent to Mn XXXX. Mn XXXX ca n't find XXXX transcript 's, and XXXX 's credits are not transferable ( which when signed up for XXXX was told they would be ). Now I am stuck paying on a loan and nothing to show for it. Wells Fargo is servicor of my private Loan, and has excessed more than {$3000.00} fees on the loan, because they would not work with me, when explained I could n't afford {$500.00} a month for a payment and it went to write off/collections, the loan was only {$10000.00}. I asked Wells Fargo for a loan forgiveness a year or XXXX ago, due to the XXXX colleges closed in minnesota and XXXX college not being able to have access to transcripts and the other college not be able to use credits for classes taken. I had to start all over at another college because of all this, and with starting all over I now have student loan debt in amount of {$70000.00} for all XXXX schools combined. Wells fargo said nothing I can do, being its private loan. There should be the same options for private that are for federal, and people whos schools closed or other issue and now ca n't use credits or degree.These for profit schools get people to take out private loans because they convince them its needed to finish school. I was young when this happen, and not educated enough to not take out a private loan, or look furthering into fraud these XXXX schools were pulling.

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 2022-11-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I went to this bank to apply for a savings account and I was declined based on a chexsystems report with the following codes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called chexsystems customer service line to find out what do these codes mean they told me it was about fraud or fraud history. And that I opened alot of savings accounts but I'm in currently good standing with all my accounts. I do not understand why this is negatively reported on my report. I have never engaged in any fraudulent activity or have had issues regarding to fraud and bank accounts, so why is Chexsystems reporting this inaccurate information about 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 2022-11-23
Company: Experian Information Solutions Inc.
State: OR
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:
Investigation from XX/XX/2022 resulted in the deletions of multiple unauthorized inquiries ( referenced in picture attached ). Letters sent via mail ( most recent attached ) requesting the deletion for unauthorized inquiries receiving no response, from the bureau. Another request to investigate on the same matter sent XX/XX/2022 so far has also gone without response.

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 2022-11-23
Company: CHECKredi of Kentucky, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX - XXXX This is regarding your transaction that you used on XXXX. it was sent to a closed account - XXXX XXXX XXXX STOP to Opt Out Hi XXXX, if you would like to make payment today online please text the word " PAYMENT ''. Your balance is XXXX Your reference number is XXXX Thank you CHECKredi - XXXX XXXX XXXX STOP to Opt Out I dont have a balance. Theres been some fraudulent activity. 
How do I have balance when Ive never used this program for payment? 

Please contact our office at XXXX to discuss your account in detail. - XXXX XXXX XXXX STOP to Opt Out Please provide your website to start a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Wells Fargo closed my credit card without notice. I 've had an account with them since XXXX/XXXX/XXXX ; it 's the oldest on my credit report. I have never made a late payment. 

Today, I received a letter dated XXXX/XXXX/XXXX stating that my account had been closed due to inactivity for 6 months. When I called them, they stated that they would have to do another hard pull of my credit report in order to reopen the account. 

This puts me between a rock and a hard place : the closure of my oldest account, which has perfect payment history, is obviously bad for my credit score. But a hard inquiry for a credit card will also hurt my credit score for the next two years. 

Wells Fargo claims that they sent a letter on XXXX/XXXX/XXXX, indicating that they would close my account if I did not respond. There is no way to know if this is true, as I never received this letter and it was not sent via certified mail. I was also on vacation from XXXX until XXXX, as Wells Fargo was aware, since my travel plans were registered with them well in advance. 

Customer service representatives confirm that WF did not call me, email me, or send me a secure message via their website. It is my belief that they intended for me *not* to receive this message -- considering that they have exclusively delivered my credit card electronically, for years, I see no other reason why WF would eschew modern means of communication. 

It is absurd and unacceptable Wells Fargo would silently terminate what is by far my longest credit relationship -- I opened the account at age XXXX ; I am now XXXX -- without any notice. The expression " XXXX '' has never felt more pertinent : in exchange for responsible use of credit, they have forced me into a situation that is *guaranteed* to adversely affect my credit score.

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 2022-10-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the

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 2022-11-23
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Requested a withdrawal from Gemini crypto exchange on XXXX XXXXXXXX since then my funds are supposedly pending. I have not received any information as to when I might expect return of my funds, even after several attempts to communicate with Gemini. They dont seem to have any phone contact numbers so, Ive only been able to communicate through twitter. I received an initial contact but after I respond, nothing. I fear that Gemini is just another XXXX  scheme. If you could request they honor my withdrawal request I would greatly appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have received an escrow statement that indicates a SHORTAGE in large bold type and offers Payment options to address the " shortage. '' On closer reading, based on the differences shown for current and new payment, the shortage appears to be an OVER-PAYMENT since the New payment ( to correct the shortage ) is LESS THAN the Current payment This is highly misleading and appears to be an attempt to trick me into making an unnecessary payment for a " shortage '' that does n't exist. 
If it 's an Over-Payment as apparently it is, why did they label it a Shortage? And, why is there a demand for payment?

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 2016-11-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Back in XX/XX/2014 i was in a bad car accident and o was unable to pay my car payment for XX/XX/XXXX and XX/XX/XXXX, and i asked for a good will for the late payments the happened and supplied all of the doctors bills and information showing the accident. I never received a response on reason why the late payments are not removed. But they did remove the late fee i had during that time, but the payments are still reporting late. Late fees were removed and not the late payments that are being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Integrated Recovery Services
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX from integrated services called saying I was going to be summoned on 2 counts of fraud with XXXX and has called family members who are not associated with payday loan.

Company response to consumer: Closed with explanation