BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I went to a XXXX store. I spent roughly {$30.00}. I have my receipt showing the expense. When I checked my account the following morning there was an additional charge for roughly {$690.00}. I did not make this purchase. I filed a claim with Wells Fargo but my claim has not been investigated. I have not heard from anyone in over a week.

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 2023-09-01
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX was contacted by U.S department of education via mail, regarding student loan payments. Called and was transferred over to a company called cornerstone. Talked with an agent who set up a payment plan for XXXX XXXX monthly. Since XX/XX/XXXX, I have been charged that amount. Tried to contact the customer service number given and The number is no longer in service, went through previous documents from the place and everything seemed legit but now looking at it. It is a scam. I was contacted by student loans saying my first payment is due in XXXX but Ive been paying almost 2 years now. Im contacting to report fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2022, my general bank account was charged {$100.00} to pay for fees on the line of credit card associated with this account without my permission or authorization. This event overdrew the bank account and caused it to accumulate bank and finance charges. 

I never authorized Well Fargo bank or anyone from their offices to draw from my general bank account to pay for the monthly fees of the line of credit card in question. 

On the same day of XX/XX/2022, I spent nearly 4 hours trying to find out who, what, when, why, where was this authorization given and the bank personnel did not know alleging that I must have done it, which I never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX AND TRANSUION ARE REPORTING INACCURATE INMFORMATION ON MY CREDIT. THEY KEPT ON PUTTING THIS ON MY CREDIT. I JUST WANT THIS ITEM DETLETD OFF 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I DO NOT have an account with Chime or The XXXX Bank. However, I have received text messages from them saying my " Chime account is ready '' and to set up the app. Then a couple weeks later, I got another text message to my phone saying " Your Chime Visa Debit Card was delivered in a bright green envelope. '' I panicked because I didn't sign up for an account with this business and was immediately concerned there was possible identity fraud in progress. A few days later there was a " bright green '' envelope from Chime in my home mailbox and it was clear there was a plastic card inside. When I opened the item. there was what appeared to be a debit card with my name and an account number and expiration date. There were directions which stated " Activate your card and set up a pin in the Chime app ''. Then is also stated " Set up Direct Deposit with Chime & get paid up to 2 days early ''. It had The XXXX Bank information and account information for the direct deposit info. Again, this was deeply concerning because it was unsolicited and from an institution that I do not do business. I was very concerned that the was a possible fraud action by someone and immediately ran credit reports to may sure someone was not trying to open accounts in my name. These companies ' XXXX ChimeXXXX Bank XXXX practices are unethical are XXXX. They should not be sending debit cards with account out to people that did not request them. We have a problem with mail getting misdelivered ALL THE TIME. What if this had been put it the wrong box? Someone would have had a access to a card and my information. I have tried to get in contact with Chime via email, but all I have gotten is auto messages or messages asking for my personal information and " account info ''. They just need to stop this practice!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a large payment on my student loan on XX/XX/XXXX and received a notification on XX/XX/XXXX that the payment had not been processed due to an error in my account number. I made a payment of the same amount on the XXXX through the online system. I received another notification on XX/XX/XXXX that the payment was returned. I called the loan servicer on the XXXX to make the payment via the automated phone system. On XX/XX/XXXX I checked my bank account and saw that both payments had been withdrawn from my account causing me to overdraw, including the payment they informed me had not bee processed. I contacted the servicer to have the payment refunded and they informed me unapologetically that it would take no less than 30 days to receive the refund. I asked if the process could be expedited to do this being an issue in their communication but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX account 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 account without my written instructions

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 2022-12-21
Company: FC HoldCo LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I received an email from XXXX XXXX telling me that a new hard inquiry showed up on my credit report and that it lowered my score. I was very shocked at this because I had not done any recent activity that wasnt already reflected on my credit report, and so I went to investigate. I received a hard inquiry on XX/XX/XXXX by a loan company called Flagship Credit Acceptance, a company I had never heard of or used before. I was looking into personal loans a couple days prior to this, but I NEVER submitted a formal application to any company, much less a company Ive never heard of before. 

I emailed Flagship Credit Acceptance on XX/XX/XXXX and asked them to dispute this unsolicited hard inquiry with the XXXX XXXX credit bureau so that my credit score could return to what it was before they wrongfully affected it. I was quite upset at this and so I also decided to call Flagship Credit AcceptancXXXX on XX/XX/XXXX to try to resolve the issue sooner. Flagship Credit Acceptances phone line requires you to have an account made with them in order to speak to a customer service representative. Now, as I said before, I have never been associated with or used this company so of course I do not have an account with them, and so I was unable to speak to anyone to get this problem fixed. 

Flagship Credit Acceptance finally emailed me back on XX/XX/XXXX, but apparently they are not allowed to discuss certain information through email and they said that I had to call them. Verbatim the email said : Thank you for your recent email. Flagship Credit Acceptance does not have a secured email. For the protection of our customers and Flagship we are unable to email information. Please contact customer service at ( XXXX ) XXXX. 

This is the exact number I had called the day before, so obviously this company is putting me through a loop that is preventing me from reaching them.

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 2023-09-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  elaborate Ponzi scheme. I have been working with XXXX XXXX XXXX, until his retirement. 

I am trying to communicate with my lender ( Navy Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from 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 is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX XXXX. 


The case number for the open Federal Investigation involving this matter is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and his email is XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper aka Nationstar Mortgage sold my loan to XXXX but never forwarded my last payment to XXXX causing a default in my mortgage and false negative payment history on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I renewed a previously purchased ( Prepaid ) Insurance package with XXXX insurance, that included homeowners & auto insurance. The homeowners is paid annually by mortgage company from an escrow account. In XX/XX/XXXX, XXXX cancelled said policy due to non payment from mortgage company. Instead of cancelling the policy flat, XXXX changed my policy and back billed me for auto insurance that was also previously paid and applied my auto policy payment to said change. I did not agree to this change and I disputed this charge with XXXX. 
subsequently, XXXX received payment from mortgage company and issued a new policy effective from the date of cancellation so there was no loss of coverage. but would not correct the billing of {$210.00}. I still dont understand how this is an extension of credit without a finance agreement or credit application. 
In XXXX of XXXX, I received a notice from CCS collections stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to CCS Collections, requesting validation. on XXXX CCS inaccurately reported this account to XXXX and XXXX, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. 
Instead of deleting this account as being inaccurately reported, XXXX allowed CCS to Update the inaccurately reported account and changed the creditor to XXXX XXXX. Prior to this CCS Collections report I had a! 00 % payment history and XXXX credit score

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Ive been banking with Citizens bank since 2017  and it has been the worse experience ever. Ive been hit with several overdraft fees from this bank authorizing charges with no money in the account after I argued with this bank millions and millions of times. I was even told I have some type of over draft protection on my account yet I get charged with XXXX of dollars worth of overdraft fees. I spoken to a supervisor name XXXX who gave me a hard time just Authorizing my account just to look at the account after I offered to give her my ssn she refused to take the ssn the turned around and asked for it. On XX/XX/XXXX I also spoke with XXXX who was also incompetent and was a waste he would not tell me his boss name after I requested to speak with his boss. This bank is stealing from me and Im sure a lot of people who bank with them as well. Im currently closing this account because I dont trust my money in this account. I have transferred money to this account that dont post and when I question this bank they dont know. They are thiefs and liars and this is my first point in contact before seeking legal action on this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EMI Equity Mortgage, Inc.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got divorced in the state of Pennsylvania USA in XXXX. My divorce ( Decree ) has been valid by a court in XXXX XXXX since XXXX, after this, the court in PR in my favor ordered to the " XXXX de la XXXX " put the title of the Property in my name Only. But the mortgage loan I have been fighting for eleven years to be allowed to pay and the investor and the bank do not authorize it, They said do I need find my ex Husband, this increasing the expenses, costs and attorney 's fees. After 11 years Last XX/XX/XXXX, the court dismissed the investor 's Demand. After this happened, now the bank are saying that they are going to help me. They have been asking me for the same documents for more than 3 weeks, the month of XXXX has just entered and that is more money for the bank and the investor. In my case I was proved and Find out that it is one case with full of misinformation, mistakes and lies. I want to know if my case has been handled properly under the federal Loss mitigation laws. It has been demonstrated and is on record by a court in our jurisdiction that the investor and the bank have not complied, with the law, Know I need the cfpb investigate this particular case and let me Know if the investor and The bank Follow the Federal Rule of Loss Mitigation Laws. step by Step. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: American Coradius International LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/, I received a notice dated XX/XX/XXXX  on a debt in the amount of XXXX from American Coradius International, LLC representing XXXX XXXXl ( creditor ). I have never used XXXX, nor do I even know what this is for. I have never received anything from XXXX. I am a victim of identity theft and felt compelled to report this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please accept this letter as notice that you are in violation of breach of contract, negligence, Billing Error, negligence, false reporting, selling the contract. verifying account without providing account level documentation. Hidden fees, Deceptive cancellation, Location Data Selling, Data Breach, False reporting, selling the contract without taking me to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. date the above inquiry ( ies ) not yet documented have NOT been demonstrated with adequate demonstration of required PHYSICALLY VERIFIED PROOF OF THE ADEQUATE and legally ACQUIRED PERMISSIBLE PURPOSE as result of report review requested by myself and or any person, persons, or entity else wise legally with the rights of Permissible purpose above and or beyond my knowledge and or authority. Being not provable of mandatorily substantiated Permissible Purpose from the exact and identified me, the allegation of inquiry ( ies ) can not be assumed COMPLIANTLY recited nor any direct and or indirect injurious account claims assumed COMPLAINTLY believed. Further, given the above suggested deficiencies, any assumption ( s ) of verifiability much less validity of claim ( s ) can not be assumed factual, and I here now today DEMAND total and permanent ERADICATION of the flawed expressed inquiry ( ies ) and any and all allegations of injurious account reporting ( s ) there by associated, directly or indirectly, mentioned here or not, veracious or not because CERTIFIABLY COMPLIANT REPORTING OF ONLY PHYSICALLY VERIFIED authentic CORRECT replete and fully VALIDATED claims is the LAW and STANDARD OF ACCEPTABLE LAWFUL REPORTING PRACTICES. You now any being has the right to be derelict in reporting and you can NOT justifiably cling to any suspect or recklessly poor information, particularly claims contested by the injured consumer such as I am doing here and now! In advanced I thank you for your willing action to return to total compliance of reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
The credit Bureaus never did a proper investigation according to the FCRA The Term investigation consumer report means a consumer report or portion thereof in which information on a consumers characteristics or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they did not do this. 
Also, they have violated my right even more in accordance with the Fair Credit Reporting Everything has to be 100 % Accurate on my credit report. 

The Credit Bureaus stated account # was properly investigated but how is that possible if the address on file is inaccurate, place of employment,. This ground for removal, They have violated the law because according to In accordance with The fair Credit Report Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 this account has violated my rights.

15 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The identified transactions are not information related to any transaction by me as the consumer : XXXX Account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report immediately I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Warranty have expired overpayment wanted to trade in my car identification stolen car false statements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened an account XX/XX/2023. I was told I would have control over the account and if I needed help from a financial advisor I would be able to get that. 2 days of having the account and I tried to login again and it states that my account is disabled. Ive tried every week since then to get in contact with someone to find out why this has happened. Each phone call and email has left me with little to no information on who I could speak to regarding this issue. My money has been put into Merrill  edge and at this point I do not trust anything they say.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Well, the car was in an accident The car was taken by the Insurance company and they kept asking me for payments It took forever for the insurance company to take over the title

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