BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-18
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Mortagage FEES : Extremely High intial Loan fees : {$4500.00} on {$82000.00} house Refinance VA Loan in XX/XX/XXXX {$2700.00} of more i think on {$78000.00} WELLS FARGO OVERCHARGE ME {$1000.00} ( {$500.00} X2 ) ON ILLEGAL LAWYER FEES TO START! CLOSING COST BY THEM WERE EXTREMELY EXPENSIVE! I FEEL THEY HAVE COMMITTED VA LOAN FRAUD ON MY ACCOUNT AND I HAVE NEVER BEEN REIMBURSED! PURCHASED HOUSE : XX/XX/XXXX ( WELLS FARGO ) REFINANCED HOUSE : XX/XX/XXXX ( WELLS FARGO )

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 2022-09-09
Company: Experian Information Solutions 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 submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened wellsfargo everyday checking account online with  XXXX  $ sign up bonus on  XXXX / XXXX / 2017 . Received the approval email on same day with disclosure to qualify for the  XXXX  $ credit.     I have received Direct deposit of  XXXX  $ on  XXXX / XXXX / 2017  and received  XXXX  more on  XXXX / XXXX / 2017 . i have satisified the conditions on  XXXX / XXXX /   2017  and i was supposed to recieve my  XXXX  $ bonus on or before  XXXX / XXXX / 2017 , but i have not received the bonus amount. i contacted wellsfargo on  XXXX / XXXX /   2017  and i was told that the bonus is not at all available in their site and i was not qualified. i have attached my welcome email to resolve this issue Terms to qualify is : Within 60 days of account opening, either make  XXXX  purchases/payments with yo ur Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking a ccount opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer. Transactions at an ATM do not count as a debit card purchase/payment.   A qualifyi ng Direct Deposit is y our salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers fro m one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.

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 2017-06-18
Company: EQUIFAX, INC.
State: MS
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:
I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2021 - I opened an account with CitiBank and deposited {$15000.00}. 
XX/XX/2021 - CitiBank closes my account without notifying me other than my statement that was released XX/XX/XXXX. 
XX/XX/2021 - I notice that CitiBank has closed my account and I call to retrieve my funds that I deposited. I'm told that CitiBank closed my account due to suspected fraud activity and they will issue a check for the amount that was deposited. I'm told by a Customer Service Rep that they will issue a check for the {$15000.00}. 
XX/XX/2021 - I'm told that the account was closed by the fraud department and so my request to have a check issued was denied since it was issued by the wrong department. I'm told I will have to go through the fraud department to have my check issued. I'm told that my account will be referred to a fraud specialist who will check into my account to identify where my funds are and when a check will be issued to me. I'm told to wait 48 hours for the fraud specialist to reach out to me. 
XX/XX/2021 - I called to get an update on the progress of my funds. I'm told again to wait 48 hours because no update has been received from the fraud specialist. 
XX/XX/2021 - I called to get an update on the progress of my funds. I'm told again that the fraud specialist has not update my account and there is no timeline for when they will review it.

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 2023-02-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, This is XXXX XXXX XXXX reaching out here because i dont want my bank account to be closed and the bank did not do anything or consider about my case. i feel like i have no right to protect myself and the bank still want to close my bank account even is not my fault thats because of the check deposit bounced and returned to sender and the bank makes me pay for the money thats not even mine and makes my have negative on my bank account. i feel so unfair with this situation and the bank give me no choice.

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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
I filed a dispute with Capital One which is Claim # XXXX. The amount was {$180.00}. The reason was the merchant was not responding to my inquiries about the product not being as advertised. On XX/XX/29, Capital One asked me to provide evidence I reached out. I responded the same day via email. On XXXX, they deny my dispute saying I did not provide proof. I called in and was told they never saw my response and I confirmed the email and it is correct. They stated they would still take the money out. I want them to reconsider because I did send in what they asked! They acted like they could not help me. I have attached proof that I responded timely to their request to the correct email and that they claim that I did not receive it and just denied my claim. Also they did not give a due date for when this info should be submitted to them. So I still have the ability to send in what I ALREADY sent in. I sent it to them again today XXXX via email AND FAX. The customer service person kept telling me rudely that they did not receive my response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Experian Information Solutions Inc.
State: MS
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:
I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.

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 2017-06-18
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On  XXXX   XXXX ,  2017  I received an email from Simple Support notifying me that my account was closed because it did not did not " meet the requirements of Simple 's account agreement. '' It went on to say " Your card and account are blocked so no further deposits, transactions or transfers can be made. '' I was on vacation at the time across the country and this was my only form of money. I was also concerned as I had just bought my mother and I plane tickets home the night before with this account and I saw that while it showed my  XXXX  purchase of {$360.00}, it was also showing that it was being credited back to my account. I emailed Simple Support asking why my account was closed and received no answer. I then called Simple Support and gave the customer support staff my information to verify my identity. I was told I was no longer able to have phone support and that I must email my concerns and they hung up on m e. I called two more tim es and I was hung up on both times. When Simple Support finally emailed me back, the response was " Your account has been closed and we are unable to reverse that decision. Please refer back to our original message as it contains all the information we have to provide. '' I emailed once more asking if the plane tickets I bought were even valid and I have never received another email. I was forced to buy  XXXX  new plane tickets with funds that I did not have and I am now extremely negative in my  XXXX   XXXX   XXXX  account due t o Simple Bank robbing m e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: AL
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 submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Mr. Cooper Group Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I did go through a loan modified XXXX XXXX reporting to credit bureaus. In XXXX of XXXX, Nationstar Mortgage started reporting my mortgage payment to credit bureaus. Mr. Cooper became part of Nationstar Mortgage in XXXX of XXXX. In XXXX of XXXX that was went the mortgage payment stop been reported. I was trying to refinance that went I found out my mortgage payment was not been reported. I have letter from Nationstar Mortgage and Mr.Cooper that I, successful completion y loan modification. 

In XXXX I did file for a Charter XXXX Bankruptcy, my house was not included have court documents. At the time of the bankruptcy XXXX, XXXX XXXX XXXX had my mortgage which is in the court documents. The bankruptcy has been removed from my credit report. It was discharged XXXX of XXXX. Talk to Mr. CoppeXXXX on XXXXhree occasions every person say they see that the bankruptcy was discharged. Can not give me a reason why its not been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: DC
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:
Good Day, My address was incorrect in Equifax system so I filed a dispute online giving them the correct information. They sloved the dispute but failed to correct it. I disputed again online and they did not fix it. I mailed in a dispute and they still have not fixed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Reporting act XXXX  DATE : XX/XX/XXXX, XXXX/XXXX  DATE : XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XX/XX/XXXX, US SM BUS ADMIN date : XX/XX/XXXX, XXXX XXXX Date XXXX XX/XX/XXXX, XXXX XXXX  Date XX/XX/XXXX & XX/XX/XXXX, also XXXX  XXXX acct # XXXX, XXXX acct # XXXX ALL HAVE 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 a account without my written instructions.

these accounts and inquires where fraud and not consented by me and should be immediately removed

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to trans union about a serious of inquiries on my credit report that took place on XX/XX/2021 and XX/XX/2021. It appears someone tried to get a approved to purchase a car in those two days. I explained to them that the inquires were fraudulent and I spoke with the companies about it. Its been 4 months and I have yet to receive a resolution from trans union of the companies.

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 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I place an order an international wire transfer, amount of XXXX euro, on XX/XX/2022 to XXXX XXXX  XXXX. Beneficiary did not received the fund until XX/XX/2022 I did take Action1 : I placed a recall ( getting money back to me ) thru Bank of America on XX/XX/2022 Action 2 : I placed call to Bank of America Foreign Exchange Wire Investigation Department ( XXXX XXXX XXXX ) multiple times Action 3 : I visited Bank of America Branch ( Manager XXXX XXXX XXXX ) located in XXXX XXXX XXXX XXXX XXXX, CA XXXX twice to resolve this matter. 
I also emailed him twice and call multiple times, however, no luck to get hold of him. 

Action 4 : At last, today I reached out the Bank of America Foreign Exchange Wire Investigation Department and spoke to XXXX XXXX. She was extremely rude and unhelpful. She was scolding me that I was not listening to her.

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 2020-04-22
Company: EQUIFAX, INC.
State: CA
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:
EQUIFAX is depicting a XXXX, charged off account with what I believe to be inaccurate information in the payment history.The account is saying the date of first delinquency was XXXX.I believe this to be entirely incorrect because my financial implosion was much earlier.I think the XXXX days late began at least 6 months earlier or more because perhaps it was forgiven maybe because ... .. I am a military veteran with an account that was good for seven years which might have seemed to help at the time but does not help now. 
So the inaccurate payment history with the inaccurate date of first delinquency should cause this account to be removed from my EQUIFAX FILE right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Exeter Finance Corp.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Hello CFPB, Here is a copy ( in quotations ) of my attempt to work things out with Exeter Finance. 

" Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. '' Basically, in my letter of complaint and then again in my affidavit to Exeter Finance, I explained that the assignment that was presented to me by the car dealership was not signed nor dated by the dealership representative in order for it to be assigned to anyone or company. I also explained that I never received nor signed, nor agreed to ( or entered into ) a contract with Exeter Finance.

I wanted Exeter Finance to show validation a debt to them from me. I have asked them more than once to provide their proof to me.

Also, in my affidavit to Exeter Finance, I cited several laws that explains how they have violated my consumer rights ( including deceptive phone calls which were under a different name on my caller ID ), and I asked that they answer my affidavit with an affidavit, point for point. 
Attached to the now expired affidavit I requested that Exeter Finance would cease and desist any further collection methods/activities until this matter is resolved ; including but not limited to removing any information they have provided to the Credit Reporting Agencies about me according to consumer law.

While they have responded to my correspondences, Exeter Finance has yet to do as I asked, they have not validated any debt to them from me, or answered my affidavit with an affidavit, point for point, and they are still continuing to report false information about me to the Credit Reporting Agencies.

All they have done in response to my requests is send me a copy of my payment history along with a copy that they have of the 'unsigned ' assignment form from the dealership.

CFPB, at this point I am reaching out to you because I would like your assistance in obtaining verification of a debt that Exeter Finance says I owe them when they are clearly not the original creditor. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
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: Account status incorrect

Complaint:
My delinquent status shown by  XXXX   XXXX  is WRONG!. I owe them nothing!  XXXX   XXXX  has already re credited everything so they are incorrectly reporting my account as delinquent! Please change this! Please expunge any negative information regarding  XXXX   XXXX  on my credit report!     My social security is  XXXX  My full name is  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