BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent Equifax all information on tax lien from XXXX XXXX XXXX I sent youConsumer Federal Protection Bureau this informationCase # XXXX where tax liens were reported in error Equifax only put mystatement but did not remove CFTB has this information it was sent toyou by me XXXX removed from file Equifax has not removed only XXXX and left the other with my statement I want it removed and for CFTB to view supporting documentationI sent you back in XXXX XXXX 2014 CASE # XXXX sent you this information Consumer federal trade bureau XXXX XXXX 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
======== Hi I am XXXX XXXX submitting this without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2016-01-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 'm basically filing this complaint against TD Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX TD Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another TD Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called TD Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live TD Bank customer service representative. I explained what had happened and that same TD Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another TD Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the TD Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called TD Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another TD Bank customer service representative, to the new TD Bank customer service representative that picked up my call. After reviewing my checking account, the new TD Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the TD Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with TD Bank 's customer service department : I would like to know which XXXX of the XXXX TD Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested for Equifax to provide me on how they verified information on my report. I asked the following : Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. I asked for them to not provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
And they keep sending the same response with no supporting documents or answers to my requests. No one is reviewing my file, and they must have some type of automated computer generated system in place that is managing these files. It is a crime and I need help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I Just called Equifax Office on Phone # XXXX and spoke with a rep IN THE CONSUMER RELATION DEPT BY THE NAME OF XXXX XXXX SHE ADVISED ME THAT THEY DO NOT SEND OUT THE ORIGINAL CONSUMER CFPB PLEASE TAKE NOTE OF THIS AND I WAS ON A RECORDING LINE AND COULD FORWARD YOU WHAT EXACTLY WHAT SHE SAID CFPB THIS IS A SERIOUS VILATION OF THE FEDERAL LAW ... PLEASE INVESTIGATE THIS COMPANY A BUNCH OF CROOKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
I chose to have the entire balance of my Chase credit card automatically withdrawn from my XXXX XXXX XXXX checking bank account. This has worked well for me for several years until XXXX XXXX, when Chase 's computer apparently had a glitch and the amount that Chase withdraws from my XXXX XXXX XXXX account was {$2600.00} less than the full balance of my Chase account. Chase proceeded to charge me interest of {$72.00} from XXXX to XXXX on the {$2600.00} balance. 

First, Chase 's website is grossly misleading. Chase 's website ( see exhibit 1 ) gives you the ability to automatically pay XXXX amounts : 1 ) a minimum payment amount or 2 ) a " Blueprint '' amount. When you click on to find out what this " Blueprint '' amount is, it says " Full Pay '' as the first option ( see exhibit 2 ). To me, a college educated person, " Full Pay '' meant ( for several years at least ) that I would be paying in full my credit card every month. Little did I know that " Full Pay '' does not mean this, and instead it means that only that certain purchase categories are paid in full, see Exhibit 3 ( e.g., Utilities, Department and Clothing stores, etc ). So, I feel Chase is actively trying to fool its customers by making it seems as if Chase offers its customers the ability to pay their credit card in full every month, when in fact it does not, the typical bait-and-switch. 

Second, even allowing for Chase 's bait-and-switch " BLUEPRINT '' payment scheme, I believe that Chase should acknowledge that they made a mistake and return to me any interest charged on the {$2600.00}. As explained above, the " BLUEPRINT '' payment scheme specifies that only certain purchase categories will be paid in full. I purchased {$2600.00} worth of supplies at a department store on XXXX and XXXX ( see XXXX statement ). The purchases should have fallen under the " BLUEPRINT '' purchase category, specifically under " department stores '' category. Therefore, the balance on my credit card should have been paid in full in XXXX, Chase should have been withdrawn the full balance from my XXXX XXXX XXXX checking account, and no interest should have accrued. Chase literally can neither deny nor verify that my purchases from XXXX and XXXX were from a department store. Therefore, I can not understand Chase 's position that the purchases were not from a department store. It would seem that without evidence, Chase would need to give the customer the benefit of the doubt. 

I caught the mistake today XXXX/XXXX/2015, I paid the account in full today. When I called Chased, I talked to XXXX and then to Supervisor XXXX. They said that there was nothing Chase could do and would not acknowledge that Chase 's computer had a glitch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: TMX Finance LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My XXXX was stolen. There was a loan from TITLE MAX in XXXX, Alabama. The manager, XXXX informed me that all I needed to do was bring the police report and the loan would be satisfied. I DID inform him that the vehicle was at a scrapyard on highway XXXX in XXXX. he said that once they were scrapped TITLE MAX did n't want them. I did as instructed by XXXX. I decided to use the little money i had to get XXXX from police impound ( {$400.00} ) and make necessary repairs to get it running rather than put into another vehicle. Had windshield replaced ( {$200.00} ) XXXX ( {$100.00} ) XXXX ( {$50.00} ) based on XXXX 's word that loan was satisfied. XXXX was no longer worth the cost of repairs plus amount of the loan. AFTER this was done he sent for the truck. There was never any mention of this to me. He NEVER informed me that he could change his mind, just lied to my face. I have pictures of damages to the XXXX, police reports, and will gladly give detective 's name and number for verification. I 've had previous loans with TITLE MAX that have been settled without problems. I 've always made payments in a timely manner. as matter of fact, when vehicle was stolen, I asked XXXX if interest could be stopped and i could work on paying balance of the loan so i wouldnt default on it. He told me that it wasnt necessary. THIS MAN IS DISHONEST AND MADE ME A VICTIM XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, Our house was flooded by the XXXX XXXX in XXXX TX XXXX on XXXX XXXX we had XXXX inches of water in the house, all our things were destroyed. We were rescued Monday XXXX XXXX. we are very grateful for the help of friends, volunteers and our local contractor who have worked hard to preserve the house. we have spent savings and used credit cards to initially pay for material and labor to start fixing our home. We received our flood insurance check from XXXX on XXXX XXXX. the check was jointly made out to myself and Wells Fargo. We have been to Wells Fargo bank two times with all the requested documentation and spoke to them on the phone XXXX and have still not received any money from Wells Fargo, just delays and requests for more paperwork. we have had to stop work and have to send the contractors home. My wife had XXXX on XXXX and my daughter had XXXX on XXXX for XXXX. My wife and I have been living in a trailer. we have explained this to Wells Fargo and begged for our money. we have received none, just a run around. Can you Please help? Thank You XXXX and 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 2017-10-11
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone in Florida tried to open 5 credit cards using my info. This happened through syncb. They appear on my Credit Report as hard inquiries. They are : syncb/XXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX. I never ordered any of these and would never. 
They appear on my credit report ( through XXXX XXXX ) as hard inquiries and could stay on my credit report for a number of years. Please have them removed and make sure they were never opened.

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: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I took out a XXXX interest credit card through Wells Fargo to purchase an engagement ring for my fiance in XXXX. I paid off the ring and had a zero balance as of XXXX XXXX. I also purchased our wedding bands with this Wells Fargo credit card in XXXX XXXX. I never once missed a payment and over paid the minimum payment every time. As of XXXX XXXX my balance was {$630.00} when I received a bill of {$1300.00}, with a charge of {$720.00} in interest charges. I immediately tried to contact Wells Fargo and when I called the XXXX time was placed on hold for over an hour and then transferred to a woman who would not help me. I tried to call back XXXX more times to get in touch with someone who could help me to sort this out. Finally I went to the Wells Fargo branch on XXXX in XXXX, PA and I was told they have nothing to do with credit card services. The next day I went into the Wells Fargo branch on XXXX and XXXX and again no one could help. I tried to explain both over the phone and in person I could and would pay the balance of {$630.00} off immediately. I had no idea they could or would be able to charge me more in interest than my remaining balance on the credit card. I never received a notice that I was going to be charged interest, if I had been notified I would have immediately paid the balance. After numerous attempts to contact Wells Fargo with no success I had no choice but remit total payment of {$1300.00} ( cc remaining balance - {$630.00} + interest- {$720.00} ). I still can not believe a credit card company could charge more in interest than your balance and not notify you that you are going to be charged. If I had known I would have paid the remaining balance off immediately. It was very frustrating that I could not contact anyone at Wells Fargo to dispute these charges. Again I never missed a payment and overpaid every month. I think Wells Fargo has taken advantage of me and forced me into a {$720.00} interest payment without warning me this was a possibility or that the XXXX interest terms would be ending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for mortgage assistance with wells fargo last year but the lender denied the application due to income. My ex-wife wished to keep the house and she applied by herself again with her income. Wells Fargo had used so many reason to reject and refuse to move forward with decision. I believe that Wells Fargo discriminate her marital status since we are on the process of getting final divorce. They keep asking so many different thing which we have attorney set for that and prove them reason but they refused to do anything for us. Wells Fargo asked her XXXX thing Final Divorce Decree and Tenant proof of occupancy. After providing them divorce decree, they said they did not accept the tenant proof of occupancy due to not from their bank. My ex wife is frustrated and she really wants to keep the house and she does not want to loose it. But it look like wells fargo is very eager to eat the house and without helping her. For me, they are seriously violated Fair Housing Act and ECOA Act to provide her fair opportunity to evaluation of her income

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: TX
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 to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

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

15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023, I received a notification that an inquiry was placed on my XXXX credit report for a JPMCB- Card services account. I reviewed the information on XXXX and determined that I never applied for this type of account or any credit within the last 90 days. I immediately disputed the inquiry on XXXX 's online portal, assuming that it was an error and the report came back that it was accurate. I then redisputed the inquiry again and advised that it was a fraudulent inquiry and XXXX again returned stating that it was accurate. On XX/XX/2023, I contacted the number on my credit report for JPMCB- Card services to inquire about the account but the customer service representative could not find my information in the system. She advised me to contact XXXX. Next, I contacted XXXX 's dispute center by telephone and spoke to a woman who advised me to take the next step to dispute the inquiry as fraud and to send in information regarding the fraud. She also advised me to contact the CFPB which I am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo continue to charge me late fees on a vehicle that was totaled loss on XXXX XXXX, XXXX and the payment on the account was due XXXX XXXX, XXXX. This was a vehicle that had been refinanced through Wells Fargo. My insurance paid the vehicle off XX/XX/XXXX and the remaining balance was paid in XXXX XXXX all but XXXX. Wells Fargo has charged off on account on 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 explanation
Consumer complaint received 2016-09-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a first time homebuyer loan and was told that no action could be taken at the time because of my credit score, However there was correspondence on my behalf to other lenders which asked me for all my iformation but still denied me an opportunity to even work with a mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I sent a check to Wells Fargo for money from my pension fund, to be deposited in my IRA. They have received the check but have not deposited it in my account because they say they have to verify that the funds exist to cover the check. They say that this could take up to 45 days. That is utterly ridiculous. They received the check on last Thursday XX/XX/XXXX so they have already had it for a week, more than enough time for any verification. I am convinced that they have already cashed the check and are now planning to use my money to speculate on CDOs or whatever other worthless pieces of paper the big banks are now scamming each other with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: WELLS FARGO & COMPANY
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I originally had a loan set up for a new car I purchased through Wells Fargo Dealer Services. After a few months I decided to have my loan refinanced through a local credit union. The balance on the loan with Wells Fargo was paid in full by the credit union and yet Wells Fargo withdrew an additional {$270.00} from my checking account. I have called a number of times to their customer service number and been told " no one that works here can talk to me about my charge. '' I emailed my complaint to Wells Fargo Dealer Services and they responded that it would have to be handled over the phone. This has been ongoing for over a month.

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 2019-05-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit was made XX/XX/XXXX for {$450.00}, and second deposit on XX/XX/XXXX for {$1500.00}. My account has been blocked since XX/XX/XXXX, and I am unable to access my account. When I call the bank, they refuse to give me any information as to why my account has been blocked and frozen.

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