BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On Tranusjon it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On transunion it's showing this account was closed XX/XX/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 2015-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
EQUIFAX lists the following address:XXXX , TX XXXXThis has never been my address and I have never used this address. 
My XXXX credit card was hacked in XXXX, 2015, and I believe this address was reported at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I noticed that my Equifax credit monitoring product had automatically renewed itself and charged {$290.00} to my credit card on XXXX XXXX. I called in to immediately cancel the service on XXXX XXXX because the customer service office was closed by the time I noticed on XXXX XXXX. The call center rep confirmed my immediate cancellation and told me that I would no longer be able to access my account and a credit of only {$270.00} would be issued to me. After complaining and requesting an escalation to a manager, the rep confirmed that they would issue a refund for the full {$290.00}. I waited one week to verify the refund had been processed and noticed that only {$270.00} had been refunded. I called in to complain on XXXX XXXX. The new rep mentioned that their policy does not allow full refunds once payment has been received. I called out that I did not approve the payment in the first place. Despite not accessing or even being able to access my account during that 1-2 day renewal cancellation window, I was told that I would be charged as if I had used the service for the full month. I was told that the original phone rep should have never promised a full refund because they do not permit that. After escalating to a manager, they agreed to review the original call to see if I was promised a full refund. If so, they would try to refund the additional {$25.00}, but it would take up to two weeks. Someone should investigate the cancellation policies for Equifax 's credit monitoring services. Customers should be contacted to confirm that they would like to renew their product before being charged. There also needs to be some form of a cancellation or opt-out window without customers facing penalties. Had I not been employed within the financial services industry, I may not have been so inclined to complain without knowing regulations protecting customers against Unfair and/or Deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a collection account listed with XXXX. I have not had an account with them for years and I 've received solicitation stating how bad they want me back. I fulfilled my account with them and have not been contacted. This is the first I 've seen this. I 'm disputing this and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
US Bank credit card with zero percent offer balance & purchases. Although the purchases are being paid off monthly, the bank still charges an interest charge because there is another balance on the card ( at zero interest ). contacted the bank every month it occurs however the reps just reverse the fee and tell me to call again when that occurs instead of working on fixing the issue. Payments must go to higher interest balances first so paying off the purchases before the due date should not cause any interest charges.

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 2015-09-17
Company: U.S. BANCORP
State: NM
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Horizon Card Services was a rip off card service that I used back in XXXX and quit using in XXXX. I have been having problems with them closing out the account and I have tried many times. I just checked my credit reports and it is still showing as open. I last contacted them in XXXX XXXX and there is still no resolution. They keep trying to keep me on as a customer and I do n't want to be and I owe them no money. I am tired of calling and asking them to close my account as it seems they never will.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am a US citizen and I am currently in XXXX, XXXX XXXX. On XXXX XXXX, 2016, I had my sister to send me {$3500.00} via XXXX XXXX, which she was denied. She was told due to the high scams in XXXX she was not allowed to send me the funds. On XXXX XXXX, 2016, my sister went to Western Union ( WU ) to send me {$1500.00}. 
The money was sent, however, the money was intercepted by someone. She was told someone picked up the money in XXXX, XXXX at XXXX. This is impossible because banks do not open in XXXX until XXXX and these types of transaction are only conducted at banks. Not like in the US customers can go to service stations, retail stores and grocery stores to send money via WU, money gram and other entities. 
My sister filed a complaint, investigation reference number XXXX. WU informed her they will send the information to their agent in XXXX, XXXX XXXX to investigate and it will take 10-20 days to complete the investigation. WU asked her if she wanted the money refunded or resent. My sister informed WU she would speak with me first and get back with them. I instructed her to resend the money. Once she contacted WU and informed them to resend the money, she was told they could not resend the money until the investigation was over. 
My sister attempted to send money via WU to our nephew in XXXX, MO and WU blocked her from sending money within the US. My nephew in XXXX has sent me money on several occasions via WU without any problems. WU also prevented her from sending any more money to me here in XXXX. WU completed its investigation and informed my sister they were NOT refunding the money because " I '' picked up the money. This is an outrageous and outright LIE. 
I did not pick up any funds at XXXX in XXXX , XXXX as WU has alleged. As previously stated banks are not open at that time of morning in XXXX. The questions are who did WU give my money to ; who signed for my money, what identification was used to receive my money and most importantly what bank in XXXX, XXXX released the money? My sister has filed a police report concerning this matter and I have instructed her to contact her representatives of Texas and the FBI. 
WU have crossed the line, I do not appreciate being lied on, I am not a criminal or thief. I am a retired XXXX who has worked for the XXXX for 30 years. If scamming is going on it must be within WU. We have asked WU for all documents from their investigation in which my sister was informed she should receive them in 24 to 48 hours. 
WU has now told her she was misinformed, WU do not release their investigation documents, and she would have to file a subpoena to receive the documents. WU is giving her the run around concerning the address to send the subpoena for the documents. Your attention in this serious matter is greatly appreciated. Since I am currently out of the country I can be reached at my email address. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Hello, I am a customer at Wells Fargo Bank. I have a checking and savings account. I opted out of overdraft services and I recently incurred fees because my bank made XXXX overdraft payments without my consent. My balance is now a negative XXXX dollars. 


Since I opted out of overdraft services these charges should have been declines. 


The XXXX payment made were on XXXX XXXX, 2015 to XXXX in the amount of XXXX dollars and to XXXX XXXX in the amount of XXXX dollars. 

The Wells Fargo website states that even if I do not have overdraft services that they will pay an item creating an overdraft or return the item as unpaid. 

I have an issue with a bank that can arbitrarily decide to pay and item without my consent at their sole discretion. I find this arbitrary and capricious and a predatory banking practice. How many customers have to incur these types of fees? 


The new banking laws were enacted to protect consumers and I have the right to opt in or out for overdraft services. I do not want my bank to decide for me. 



If there are insufficient funds in my account and a fee is incurred then that is my responsibility for not managing my account properly. I do not have to accept a service that I opted out of to pay the original overdraft to the bank and then overdraft services fees. I believe that this is an unfair business and predatory tactic used the bank.

Company public response: Company 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: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my XXXX XXXX mortgage payment on XXXX/XXXX/XXXX over the phone with a live representative, she waived the additional fee for making a " just in time '' payment and provided me a confirmation number ( XXXX ). In trying to refinance my mortgage recently, I discovered that my XXXX payment was reported as 30 days late. I called customer service to find out why and I was told by the representative that my payment was not processed until the XXXX XXXX. I informed him that my payment was made on XXXX and the representative assured me that it would be posted on XXXX and that was what my confirmation number was for. The representative on XXXX/XXXX/XXXX told me that the bottom line is my payment is 30 days late because they did n't process it until XXXX XXXX and that was the bottom line. He then refused to speak to me further because of an old notice from XXXX where I had an attorney representation and because of a cease and desist letter from then constantly calling. I explained that I wanted this matter resolved ASAP and that I wanted him to explain what was the purpose of them providing a confirmation number if he ca n't look in the system to confirm their own 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 explanation
Consumer complaint received 2017-03-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo closed and account that at I had due to pay day loans that were not submitted by be. When they closed the account they placed some type of alert on the account keeping me from banking with them or their affiliates. In addition, I had an open identity theft case in Oregon and had went through a divorce that ended in my ex husband going to XXXX for fraud ; I am not sure if he or my sister who also used my information fraudelantly who also XXXX for the same thing and same charge. Since their releases from XXXX I have not been able to have a bank account.

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 2015-07-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A tenant in my XXXX wrote a rent check of {$1400.00} and instead of making the check out to the park, she made it out to the park managers wife, The check was endorsed by the wife, then endorsed by the park as " for deposit only '' and deposited in the park 's account. The tenant then became angry at the managers wife for some reason and went to the bank ( Wells Fargo ) to check on the check. The bank produced a copy of the check which showed the wife 's endorsement and the " for deposit only '' park endorsement. The bank also produced the tenants account statement that showed the check being cashed at the counter. The tenant was then convinced that the managers wife cashed the check and took the money. She threatened the wife with criminal charges. This episode caused many problems - too many to discuss here. My complaint is that the Wells Fargo Personal Banker, XXXX XXXX, when presented with XXXX conflicting facts, regardless of the banks error in producing these XXXX conflicting data, did not recognize this and allowed the tenant to leave the bank thinking the check was cashed at the counter. I think that both XXXX XXXX and the Wells Fargo bank should be reprimanded. After several visits to the bank trying to resolve this problem or at least get an " I 'm sorry for your inconvenience and mental worry about being arrested, the bank Service Manager, XXXX XXXX and bank manager, XXXX XXXX refused to admit any fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo incorrectly applied an automatic biweekly payment, charged me a late fee, accused me of being two months behind, and harassed me at my place of employment. 

Wells Fargo misapplied my 2nd biweekly payment XX/XX/XXXX, wanted to charge me a resulting late fee and was telling me I was two months late on my mortgage ( XX/XX/XXXX & XX/XX/XXXX ) ; today is XX/XX/XXXX! It is absurd that they are calling it late and the day is n't even over! 

In XX/XX/XXXX XXXX payments should have been made, one on XX/XX/XXXX ( was correctly taken out ) and another payment on XX/XX/XXXX, which was not debited from my checking account. 

They made no attempts to call me at my primary number or by mail, but instead opted to call me at work to harass XXXX payments out of me. 

Note : Wells Fargo may be doing this to make up for loss of revenue due to the fraud committed by it 's executives and employees. When I mentioned I would contact the CFPB I was placed on hold and was cut off. I had to call back to proceed any further.

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 2016-03-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I went to the bank XXXX/XXXX/2016 and asked why my debit card is blocked. Representative took my debit card information and said that I took XXXX dolars from ATM and my account is overdraft. I said that I did n't do it and XXXX XXXX helped me file a claim about fradulent activity on my checking account by phone I was talking with person from Card Claims Team ( XXXX, MA ) who said that the fraud was exactly from my card in the Santander ATM in the XXXX, New York on XXXX/XXXX/2016. I did n't leave my room XXXX/XXXX/2016 because I had a flu, so I was in the XXXX XXXX, XXXX. Santander Bank refunded XXXX dollars to my account plus they refunded overdraft fees which they charged me. I thought that everything is okay now, so I did n't go to the police with it in the XXXX. In the end of the XXXX I got the letter that bank denied my claim and want me to paid XXXX dollars plus fees. I called them in emotions and explained that I did n't took the money. I believed that they will take care of it. XXXX/XXXX/2016 Santander Bank, XXXX MA charged me XXXX dollars and I got the letter that my account is charged. By the phone bank worker from Card Claims Team said that I had the card which was a crime and suggest that I gave my card or PIN number to somebody. I went to the bank and XXXX XXXX said that he ca n't help me, because decision against me was made in the XXXX, MA and the only way is the case in the court. He also said that it will cost me a lot of money for attorney. I felt bad after it because I am not rich as a Santander Bank, but I just wan na justice as a customer. I also heard from XXXX XXXX that I am not the only person who has money missing from the account in the Santander Bank, New York. I went to the police and they said that at the moment I should have a case against the bank in the court, because they ca n't make it report after bank investigestion. Every few days bank charged me extra XXXX dollars fee. My account is overdraft. I got the information that I have 35 days to pay everything or they will close my account and I will have bad credit score. From the beginning of this situation I felt discriminated because of my immigration status by the bank workers. They have a lot of my informations and they asked me about my passport information by the phone. I am a victim of XXXX so I will regulate my XXXX in a diffrent way. I felt totally bad because of my hard life situation and Santander bank make it even worse. I swear on the Holy Bible that I did n't took XXXX dollars from the Santander ATM and I did n't give my PIN number or credit card to anybody. Please help 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 2016-03-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX responded Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. Please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, XXXX XXXX or fax the documents to ( XXXX XXXX XXXX to have the Fraud Alert removed from your file. You may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. Written confirmation was mailed on XXXX/XXXX/XXXX. 


Dispute Response Equifax has reviewed the complaint and its records. Equifax did not receive any additional communications from the consumer during the review of the complaint. No follow up actions are required in further response to the complaint. 


What happened Product Credit reporting Issue Credit reporting company 's investigation : Problem with statement of dispute Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile. 


XXXX to publish the description of what happened? Consent provided Supporting documents PDF document XXXX Product information Information about the credit reporting company Equifax XXXX XXXX XXXX XXXX XXXX XXXX United States Social Security number XXXX Date of birth XXXX/XXXX/XXXX Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile Consumer information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX United States XXXX XXXXXXXXXXXX Phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed an account with Equifax concerning an authorized user account in which I was deleted off of with XXXX but Equifax continued to report after I contacted them by phone and U.S. Mail. I checked my credit report and noticed that there are now charge offs being noted for every single month up to and including XXXX 2015. These insertions were not there before the dispute but they are now. The weird thing is that the authorized user account Equifax seemed to have verified does not match the reporting of the Account Holder. The authorized user account is reporting much more negatively and I believe Equifax did this out of spite because I disputed the account. I am not an authorized user on this account. Equifax needs to remember that authorized user accounts are NOT responsible for the account ; they ca n't order new cards, request statements, etc. Equifax is in violation of falsely verifying this account and continuing to report it. If they verified with XXXX XXXX they would n't have been able to since I am completely deleted off as an authorized user and have been for over a year but yet Equifax continues to update and add more negative information each time it is disputed.

Company response to consumer: Closed with non-monetary relief