BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a bank account with Wells Fargo about 3 weeks ago. I told them that I did XXXX for companies all over the world. I also told them I would be receiving many wires from all over the world for services I did. They told me that this would not be a problem. Well, so I recieved a wire for {$990.00} for XXXX services I did. Then I received XXXX more wires into my account for other services/website design I did. Well, then I contacted them to find out when I saw there were no pending transactions to ask about withdrawing my funds the following Monday. This was the previous Friday I called them on. At that time, I was told there was a hold on my account and that I could not get my funds out then. I was told because the customer I did work for received their completed XXXX services a little late eve though I did complete services for them that the customer claimed this was an unauthorized wire. I was also told verbally and in writing in a letter that my account was slated to be closed on today, XXXX/XXXX/15 and for my funds to be sent to me in a check on this coming Monday, XXXX/XXXX/15. Well, I called Wells Fargo fraud department today to ask what the status of my account was since I could still view it on line. I was told that they had sent out for information from XXXX XXXX and was waiting on a response back that they had not recieved and because this information was not received, that they were pushing the account hold back to XX/XX/XXXX. They did not say they were closing the account down then and sending me my funds which total a little more than $ 13,000+. They only told me that they would post notes at that time and that I could contact them on XX/XX/XXXX to see what the status was at that time. 

I have talked to all levels of management all the way up to and including the regional manager who all did what they could but got no favorable resolution. In fact a committee that this matter was escalated to in order to see if they would release my funds early said no. They also told me they would release my funds on XX/XX/XXXX and send them out to me in check form on Monday, XXXX/XXXX/15. They have not done this at all and now say my hold on my account is delays again until XX/XX/XXXX in spite of the fact that I have a hard copy letter stating that i would be sent my money on Monday, XXXX/XXXX/15 which I was told b Wells Fargo fraud department will not happen

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: OH
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:
I filed a complaint ( # XXXX ) and it appears that it has been closed out without resolution ( apparently you have taken Chase 's word that it has been resolved ). I received a call from Chase stating that they could not discuss the specific affiliate that apparently started the chain of events that caused them to close 3 accounts in excellent status. I was told I would receive a " detailed resolution '' by mail, explaining the outcome and that my accounts would not be reopened ( something I did not ask for ). No such letter has arrived. I will not reiterate the details of the complaint since you have the file. What I find disturbing this that I have no recourse. I would never want to do business with Chase again but I am baffled that an " unnamed affiliate '' can stand as the reason, particularly since I have no ideal who that would be. As a consumer, I have been damaged without any knowledge as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I informed Equifax on or about XX/XX/2018 of unauthorized inquiries existing on my credit report and requested that they investigate and provide me with evidence of " permissible purpose '' of the items being disputed and that if evidence of " permissible purpose '' was not available, then they should delete the items from my credit report.. Equifax responded on or about XX/XX/2018 and informed me that the inquiries were a part of the " factual record '' and that they would remain on my credit report despite their inability to provide me with evidence of " permissible purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX  Re : XXXX XXXX XXXX XXXX .

Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received.

The following account, XXXX XXXX XXXX XXXX. is listed as being 30-59 days late. This is inaccurate because I have never paid 30-59 days late.

I purchased a XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX  beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30-59 days late. After making 12 timely payments on theXX/XX/XXXXXXXX XXXX XXXX, I upgraded to a XX/XX/XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX.

I contacted XXXX XXXX XXXX XXXX XXXX XXXX., on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the negative listing being reported on my credit file by XXXX XXXX XXXX XXXX   .

She advised me that they were reporting the 30-59 days late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XX/XX/XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX  of XXXX on XX/XX/XXXX to pay off the XX/XX/XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus.

Below is the account information on the XX/XX/XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date -XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX  VIN # XXXX Lienholder XXXX XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-59 days late pay off and not me. Therefore, XXXX XXXX XXXX XXXX. should no longer report this inaccurate information to Equifax.

Please correct this accounts inaccurate, negative status listed as 30-59 days past due, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction.

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I sent a certified letter XX/XX/2019 asking " WF DEALER SERVICES '' to provide me with A verification letter about A loan showing on my credit report XX/XX/2019. The company does not list a phone number on the report, but instead lists a " By Mail Only '' so I assumed the address they are using is up to date and accurate. I received an alert on XX/XX/2019. stating that my letter was being " Returned To Sender '', because the address was " Not Known '' at the delivery address noted on the package. " If the information being reported is inaccurate it is illegal for it to be reported. Please help me have the company comply with the FCRA and either update its information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had 2 accounts lower my credit limits and 1 close altogether because Wells Fargo Dealer Services is reporting incorrectly.

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 2017-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank account was closed without notice by Wells Fargo for no apparent reason. The account was paperless, which saves Wells Fargo money on printing and postage. Wells Fargo is now trying to charge me XXXX dollars for each of the XXXX check images associated with this account, which I need to access for tax purposes. I 'm all for switching to electronic record keeping, but Wells Fargo has used this as a way to extort money from consumers. I 'm perfectly willing to pay some reasonable fee to get access to these files, but a total cost of over {$1900.00} to access my own information seems completely unreasonable. The Wells Fargo help line referred me to my local branch. I have tried to work with local bank representative XXXX XXXX to come up with some reasonable solution to this problem, but she has been adamant that Wells Fargo has a right to charge these exorbitant fees. 
I am perfectly willing to pay some reasonable fee -- say a few hundred dollars, but I am not about to pay {$1900.00} to access an electronic file. If they do n't want to give me access to the electronic file, they can use the old system and send me the paper checks. 
XXXX XXXX can be reached at 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 2022-05-13
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: Investigation took more than 30 days

Complaint:
My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of 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 2017-05-23
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   2016 ,  Selene Finance w rote and said that I was 18 months behind on mortgage payments, and when I submitted proof of all payments to the lawyer- they sold my account to  XXXX   XXXX  2016  The very first letter from  XXXX  stated that I was behind in paying them, they never send a statement saying how much to pay, or that payments have been received or a payment book or anything.   I paid a company named  XXXX  to help, only to have them ask for more investigational money ... ... I am so tired I could scream ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: LendingPoint Holdings LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2020 at approximately XXXX, I received a Credit Disclosure email from Lendinf Point XXXX LLC ( electronic mailing address XXXX ). The email included a report of credit score that was allegedly pulled from my credit report. I have not solicited business from the aforementioned company nor have I authorized them to pull my report. It concerns me because someone may have attempted a loan with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello my name is XXXX XXXX on XXXX XXXX at XXXX I was contacted from the chase customer service number telling me that there were some fraudulent activity on my account that there were some wire transfers pending and the representative said we had to schedule a reverse wire transfer he then proceeded me through the process only to have me transfer all of the money out of my account {$17000.00} I contacted the chase number back as soon as possible they said the transfer was completed I let them know it was a fraud and I had been scammed by a representative im currently waiting to hear back from them with no hope. I also went to my nearest chase branch and there was nothing they could do. The same day I called XXXX XXXX XXXX which is the thiefs bank where the money was wired they said they couldnt help me and could only talk to the fraud team at chase. I later messaged chase fraud and they spoke to XXXX  XXXX XXXX and said they were requesting a hold of harmless letter which chase would not give me. I have contacted XXXX XXXX XXXX XXXX XXXX only then did I hear from a chase executive representative she took days to get back to me. She was able to send a hold of harmless but i have not heard anything. I am a mother of two with one on the way this was all of my savings they took all the money and left me nothing I have no hope that chase will help me so I am reaching out with hopes that you might be able to help me please feel freee to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I have collections showing for XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have never dealt with any of these companies. I would like this information to be removed from my credit file on transunion and XXXX please

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 2022-05-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of 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 2015-07-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was damaged by hurricane XXXX. Wells Fargo is my mortgage company. I recently received a supplemental insurance check for {$130000.00} and Wells Fargo refuses to endorse it. My home has been repaired completely. Wells Fargo inspected the home over a year and a half ago and declared it was 100 % repaired. I have been given conflicting information by the company and do not know how to proceed. 
I have always paid my mortgage on time. 
I believe they have my account flagged as retribution for my previous complaint to the CFPB for their prior mismanagement of insurance proceeds. 
I repaired my home in good faith, invested my own money to preserve its value, and even paid my mortgage down {$50000.00} since the storm. I submitted to multiple inspections by Wells Fargo and always comply with whatever they ask.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After Chapter XXXX bankruptcy discharge, multiple judgments are being reported on my Equifax and XXXX credit reports. XXXX reporting agency removed these items from my report. I have been unable to have XXXX and Equifax remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Netspend Corporation
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Claim Number : XXXX Dispute Number : XXXX On XX/XX/2020 I sent {$400.00} to XXXX XXXX XXXX XXXX XXXX for a ticket to the Oscars award ceremony. I latter found out that it is a scam! 

On XX/XX/2020, I filed a complaint with Skylight Financial Inc. a XXXX XXXX. On the phone with the representative, I explained that i did make the transaction, but latter found out that its a scam. I was asked to put my complaint in writing also and e mail it to : XXXX. The funds of {$400.00} was credited back to my account as a provision, until the investigation was complete. Skylight Funding Inc. Investigated the matter as if I said I never authorized the trans action, WHICH IS NOT TRUE. I Never said that I didn't make the transaction, I said that I did make the transaction, but latter found out that its all a scam! The {$400.00} provisional refund was taken out of my account. 

On XX/XX/2020 I called Skylight Financial Inc. and spoke to supervisor XXXX employee number : XXXX Who said that, the investigation would be reopened and someone from the fraud department would call me in 3 days. NO ONE CALLED ME! 

On XX/XX/2020 I called back and spoke with XXXX employee number:XXXX. I explained the whole situation again to her ( XXXX ) who also told me that, the investigation would be reopened and someone from the fraud department would call me back in 3 days, NO ONE CALLED!

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