BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Date : XX/XX/XXXX Time : XXXX XXXX XXXX  : XXXX Customer Card : XXXX Transaction : XXXX Withdrawal from Credit Card ATM Fee : {$3.00} Withdrawal from Credit Card : {$1000.00} Total Amt : {$1000.00} Summary : I initiated the above referenced cash advance using my XXXX XXXX XXXX credit card and received 20 [ {$50.00} ] bills totaling {$1000.00} in US Currency. 

At XXXX XXXX on XX/XX/XXXX, the funds were deposited via ATM with XXXX XXXX XXXX. From the deposit, the ATM rejected [ 1 ] of the {$50.00} from my deposit. I I next took the bill to the teller for deposit who attempted to manually make the deposit, processing the bill thru the currency counter. The bill rejected and upon review by the teller manager, it was stated that based on the counter rejecting the bill as well as the ATM, most likely the bill was counterfeit currency. I explained the bill was disbursed to me via Wells Fargo XXXX  XXXX location and in response XXXX XXXX informed me they would not be able to deposit the bill into my checking account for credit. Their recommendation was to present the bill to Wells Fargo and explain their ATM had disbursed the bill from my ATM XXXX XXXX cash advance. 

I returned to Wells Fargo Bank and explained to the bank lobby teller. An attempt was made by the teller to process the currency thru his bill processor however the bill was rejected. XXXX XXXX, XXXX XXXX XXXX XXXX, instructed me he would have to retain the bill which would be returned to the XXXX XXXX XXXX and that he would not be able to assist me further. I asked to have a copy [ front/back ] of the bill for my records to which the teller provided. 
Serial Number : XXXX Series : XXXX XXXX XXXX provided me his business card with instructions to call the Customer Service who would be able to file a Reg E Claim. He disclosed a 10-day timeline is projected to resolve the claim. I initiated a call and spoke with Customer Service and was informed they would not be able to assist me as I was not a Wells Fargo customer. The recommendation was to contact XXXX XXXX for assistance as I was their customer and resolution would be provided from their servicing portals. 

I next spoke with XXXX XXXX and was informed they would not be able to assist me as this was a Wells FargoXXXX XXXX XXXX as ATM currency is deposited/exchanged between the two parties. It was explained that this was not an XXXX XXXX issue. 

In closing, I have not received a response from Wells Fargo regarding the disposition of the claim or from XXXX XXXX regarding the recovery of the {$50.00} I lost from the transaction. In addition, the experience I received from this ordeal results in me not EVER using an ATM terminal again. 

Any assistance that you can provide is welcomed and appreciated.

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 2022-12-12
Company: HUNTINGTON NATIONAL BANK, THE
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The property tax department overpaid my 2023 Property taxes by {$10000.00}, creating an escrow shortfall. The overpayment will double by monthly mortgage payment from {$2300.00} per month to {$4600.00} per month while the Property tax department works on getting the overpayment refunded from my county.

This process could take months and in the meantime this increase will cause financial hardship to me and my family. 

How could such an overpayment {$16000.00} paid versus {$6500.00} due be made without someone flagging this through the internal control process of this group? 

This is a complete failure in the property tax department 's internal controls and management should be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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:
I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : XXXX : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Experian : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: Conn's, Inc.
State: LA
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 XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EdFinancial Services
State: MA
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 made 4 separate calls to Ed Financial starting on XX/XX/2022 regarding a refund of payments made during the pandemic. The first two calls I was told it would be 150 days minimum to process the refund. On the third call I was told it wouldnt take 150 days and that 90 days was the maximum. On the 4th call I was told it wouldn't be automatically refunded. 

On the 4th call I also had to press multiple times for the customer service agent to provide me with my original request date. This along with a constant refusal or inability to provide email confirmation that a request was submitted is crazy to me. This level of delivery of inconsistent and unverifiable information is something I have never experienced in 13 years as a borrower or 8 years in financial services. 

On top of this, I am seeing online that every other service provider is able to provide a reasonable time line for loan reinstatement and refund, while it is required to submit a complaint before any movement occurs for Ed Financial. 

I would like to see my balance reinstated and the payments refunded in a timely fashion, not a nebulous and unconfirmed 120 day then 150 day, then 90 and then automatic time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : XXXX : XXXX - XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Transunion : 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
You can not cancel the service. Which locks you out of other services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Klarna AB
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On Friday XX/XX/2022 I attempted to change my email address with Klarna, they advised it would take two business days. 

I received a push notification on XX/XX/2022 around XXXX AM that I had a message on the Klarna app. I went to see what the notification was and it logged me out. I assumed it was due to the email change, I received no notification either way. I attempted to log in with both my new and old email, both options didn't work, so I called Klarna customer service. I explained what got me to them, that when it asked for a phone number to verify, their system gave me an error. Customer service was confused why I received the error, was not confident in how to fix it. Ultimately I was advised the email change may take an additional 24 hours to wait before trying to log in again. 

On XX/XX/2022 I called as my attempt to log-in continued to be unsuccessful. I received an error message just as before when the verify phone number screen was presented. The customer servicer representative XXXX told me that she wasn't sure why the error message was presented to me. She advised there was several things we could try. 

I am paying nearly 30 % interest, with automatic payments being debited from my card. I should be able to change my email address without having to jump through hoops, and if I do, I am able to do so with confidence. Klarna had XXXX confidence in helping me get me on my way. One solution was to text Start to a short code XXXX. That didn't work. Waiting as I was instructed for 24 hours didn't work. Another path too fix my issue was verifying my identity with a third party app with taking a photo of my passport and drivers license. No disclosures were provided from the third party app or how my information was going to be handled was provided. This certainly wasn't the process in signing up through XXXX when my relationship with Klarna began. 

When I asked to speak to a manager in hopes I could get the issue resolved with confidence, I was told none were available. I don't receive a normal statement in the mail, email etc. They certainly weren't wanting to help with discussing when I have a payment automatically drafted while waiting to get back into my account. If I am unable to pay on my account, & access my account to make decisions, or be advised with confidence, then this company shouldn't be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Nelnet, Inc.
State: CO
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 refinanced my federal student loan of {$30000.00} with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX, after XXXX 's announcement of student debt relief, I called Great Lakes regarding getting my federal loan reinstated via a refund to XXXX under the CARES Act since the payment/refinance was made in XX/XX/XXXX. I was advised that they would happily do so and would be sending a refund check to XXXX and the balance would be reflected on my Great Lakes account within 30-45 days. 

On XX/XX/XXXX, I called Great Lakes to check in on the status of my refund, as it was still not reflected on my Great Lakes account. I was told that my refund request was rejected because they " received new direction that they are unable to refund third parties. '' According to the Student Borrower Protection Center 's press release on XX/XX/XXXX, " refunds are available to borrowers who refinanced their student loans during the payment pause into private loans, such as those offered by XXXX or XXXX. '' I would like Great Lakes to reinstate my federal loan since it was paid during the payment pause, so I can be eligible for and receive the {$20000.00} forgiveness I am due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got an email at XXXX in the morning saying my personal checking account with Wells Fargo was activated. At XXXX I get an email stating my personal information was updated. 

I did not create this account nor would I EVER bank with Wella Fargo. The next day I reported it to Wells fargo where the fraud personnel stated we have seen a lot of this fraudulent accounts come through lately. Ok so what are they doing to stop this? Why would they allow someone to use my social security number to set up a checking account just to change my personal information in 2 minutes! Not only that, normal banks make you bring in a form of ID to a branch to verify identity. 

I was in the process of Purchasing a new vehicle when I had to call all three credit bureaus to put a freeze on my credit so that no new accounts could be opened in my name. 

I believe that Wells Fargo is either creating these accounts or not implementing the appropriate security protocols to circumvent these fraudulent accounts.

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 2022-08-01
Company: EQUIFAX, INC.
State: OK
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 am filing this complaint again. Your company sent me a letter stating that I am not the person that filed the original complaint. I am the person filing this complaint. I am filing this complaint on behalf of myself and not any one else. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number : # XXXX and # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Called the XXXX XXXX credit card company and stated I never received a credit why are there charges on my credit report. They knowledge I didnt receive a credit card an stated they canceled the credit card but I noticed they put a sixty day notice on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am filing this complaint again. Your company sent me a letter stating that I am not the person that filed the original complaint. I am the person filing this complaint. I am filing this complaint on behalf of myself and not any one else. 

In accordance with the Fair Credit Reporting act XXXX XXXX account number : # XXXX and # XXXX, has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2022-12-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We contacted the mortgage company to notify them of the homeowners death. The home owner had a mortgage life policy added back in 2001 when she got the mortgage. The company does not want to acknowledge the policy. The mortgage life insurance company no longer goes by the name on our form. The mortgage company is denying any assistance or acknowledgement despite sending them copies of the form. We were never notified of any change in policy. We were robbed of an opportunity to properly protect assets. We trusted the mortgage company to do what was contracted. They are not honoring the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: SinglePoint GI
State: ME
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:
The first dispute with General Revenue Corporation was already closed and they stated that they closed the account and sent it back to the XXXX XXXX XXXX. They stated that the account would be removed from my credit report and to allow time for this to be processed. However, it was not removed from my credit report ( date of last activity was in XXXX ) and they have started leaving voicemails all over again. This account was illegally re-aged to appear as a new negative account as of XXXX although the date of last activity was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
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 you a dispute letter over a month ago ( XX/XX/2022 ) and I was expecting you would give me some kind of response since that's what the FCRA requires you to provide an update within 30 days but I don't know what happened it seems I need to seek help from CFPB first before it gets noticed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-08-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in XXXX XXXX XXXX XXXX and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation