BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-26
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting 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:
I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : THE GOLDEN ONE CREDIT UNION Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I filed a complaint with Wells Fargo regarding an unauthorized charge that had been recurring on my debit card since 2021. This charge, amounting to {$4.00} every month, had accumulated to over {$100.00}. After contacting Wells Fargo 's claim department, they acknowledged the total amount and assured me that an investigation would commence, with a promise to refund the money if the charges were confirmed as unauthorized. However, upon the conclusion of their investigation on XX/XX/XXXX, I discovered that only {$1.00} had been credited back to my account. This was contrary to my initial understanding based on our conversations. Further inquiries revealed that Wells Fargo 's policy only permitted refunds for unauthorized charges made within 60 days of the first occurrence by the same vendor. This policy was not communicated to me during our initial discussion and seems inconsistent with their assurances. As a consumer, I find this outcome unacceptable and inconsistent with the expectations set by Wells Fargo during our initial interactions.

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 2024-01-25
Company: WELLS FARGO & COMPANY
State: TX
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 XXXX XXXX XXXX the company XXXX XXXX XXXX XXXX, was supposed to consolidate my student loan. They charge XXXX XXXX and then took XXXX more without my consent from my bank account. And never got my loan consolidate. Never send me anything. I call my student loan gov and said it must be a scam because never got o receive anything. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: M&T BANK CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
M & T Bank did three international wire transfer on XX/XX/year> without my knowledge or permission on a joint estate account that required two signatures on all transactions. I requested the bank to send me copies of cashed checks, signatures for the international wire transfers and the name of the person who approved of the international wire transfers that totaled {$120000.00} PLUS {$220.00} in wire fees. I was denied that information.

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 2024-01-25
Company: M&T BANK CORPORATION
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear FTC and CFPB, XXXX XXXX XXXX XXXX XXXX XXXX Illegally harassed and hazed XXXX tenant applicants on Housing Urban Development Statistics. 

They have been issued a official complaint number by the Health and Human Services Administration which is illegal for appeal to the Department of Defense. 

They attitudes and disfunctional viewing processes stole information from my bank with M & T, they used lures like saying they tried talking to M & T and they never answered when we never signed an agreement into detail that they are allowed to speak or act on behalf of my finances as they are not entitled to that position ( XX/XX/XXXX Continued ). 

I have a background in Homeland Security, Criminal Courts, Family Court and Superior Court Civil and have never witnessed such a destructive set of individuals they call landlords. 

It is my recommendation Veterans Affairs, Consumer Financial Protection Bureau and IRS XXXX XXXX along with the XXXX before a full census audit against the agency for stealing information through illegal credit reporting screening, which XXXX injured me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

passed Kristen 's Law, which specifies controlled substance delivery resulting in death, carrying a penalty of up to life in prison This chapter focuses on the Hobbs Act ( 18 U.S.C. 1951 ) which prohibits actual or attempted robbery or extortion affecting interstate or foreign commerce. 

Anti-Racketeering Act of XX/XX/1934, which Congress initially passed to combat the use of interstate commerce M & T should have never released information to this company without my permission nor should XXXX be Instigating Housing Applicants from Obtaining Housing in a Reasonable 30-60 Window Period. They are Herby flagged with XXXX XXXX XXXX XXXX under Statue 40-11-5 and prohibited from Contacting XXXX XXXX again for Any Reason ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: IQOR US INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dish network installed a dish, on the side of my house and I explain to them that I am a XXXX veteran and I can not remove the dish off the side of my house. They need to bring a technician out here and they refused to now theyre trying to charge me in collections for the equipment I keep telling them over and over again that they need to pick it up because I cant get it down. I am XXXX XXXX XXXX and disabled. I cant climb a ladder and I cant get the dish off my roof but they keep refusing to come and get the equipment so I am in a state of dilemma, and they know it because Ive told them over and over again and now theyre trying to take me to collections to charge me for the equipment. All they have to do is come and take the dish off the roof in the equipment is already in a box. The person only Hass to come and pick it up, but they refuse

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 2024-01-31
Company: Mortgage Research Center, LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been attempting to resolve my delinquency for almost 2 years. I have received little to no assistance from the servicer in regards to getting information about the homeowners assistance fund. The servicer denied me for their mortgage assistance after telling me that I would be able to get assistance. They referred me to a state agency for assistance after denying me and then started foreclosure proceedings. While working with the state agency, i called the servicer on several occasions to get information was always given incorrect or inconsistent information. My servicer has paused foreclosure proceedings but still will not let me make payments, they continue to give me incorrect information and fail to communicate with the state agency that they recommended I work with. They even sent a message to the state agency that stated that do not participate in that program. After raising this concern to another representative in the loss mitigation department, I was told that they actually do participate. The agent promised to give me a call back on the next day so that we may have a conference call with the state agency, however she never called. When I called the servicer in order to reach that agent, I was told that they could not connect me to her and that the earliest that I would be able to speak with her would be in two weeks.This type of event has happened week after week of attempting to work with the servicer.This servicer has continuously failed to follow up and to provide the necessary information or assistance that I need in order to bring my loan current. This lack of attention and assistance is creating a greater financial burden for me as I am unable to make payments and continue to accrue interest on my my outstanding principal and delinquency amounts.

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 2024-01-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Best Buy Visa credit card issued by CITI Bank North America was used by person ( s ) unknown to me to make unauthorized purchases totaling over {$4600.00} between the period XX/XX/XXXXXXXX  and XX/XX/XXXX. I disputed the fraudulent charges. However, Best Buy Credit Services is holding me responsible for a {$800.00} and {$1300.00} charge to an entity called XXXXXXXX XXXX that I did not make or authorize. During the same period that the fraudulent charges were made the thieves stole my identity contacted Best Buy and changed my home address and the billing statement language from English to XXXX. Copies of my billing statement for that period clearly shows the fraudulent address in XXXX XXXX, FL instead of my correct address in XXXX, FL. Currently the {$2100.00} charges I am being held responsible for have increased to {$2700.00} and is reported as delinquent with the three major credit reporting agencies ( XXXX. XXXX, XXXX XXXX ). Even though I did not lose my Best Buy Visa credit card, nor was it stolen, this is the second time the credit card was compromised. In XXXX someone made unauthorized charges to the credit card in the same manner the fraudulent charges were made in XXXXXXXX I am being billed for charges I did not make and because I refuse to pay thiI want to be reso is affecting my credit rating.

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 2024-01-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up this savings account in a Wells Fargo branch on XX/XX/XXXX, for the {$520.00} bonus promotion. The banker inputted the bonus code at the time of account opening. The promotion I enrolled in stated that I had to deposit {$25000.00} within 30 days of account opening and that I had to maintain the {$25000.00} for 90 days from account opening. I deposited the {$25000.00} on XX/XX/XXXX, and kept the balance until XX/XX/XXXX. The {$25000.00} was deposited within 30 days of account opening and the {$25000.00} was in the account over 90 days from account opening. I fulfilled the requirements of the bonus, and I should have received a {$520.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$520.00} bonus as the terms stated.

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 2024-01-30
Company: CITIBANK, N.A.
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a checking overdraft account with Citibank. Payments were being withdrawn from the linked checking account, automatically. Citibank suddenly stopped the automatic payments and did not send any notice that the payments had been stopped. I only received notification that the payments were not made after the account was XXXX past due. 

I attempted to resolve the issue with Citibank and even paid the account in full, but they provided no justification and said that the delinquency will remain on my credit report. When I tried to resolve the issue over the phone, I was forwarded XXXX times to different departments and finally disconnected during a transfer. I tried again and was transferred XXXX times with the final agent indicating that she did not know which department to send me to, but was unable to help me. After more than XXXX hours on the phone trying to chase down the issue, the issue is still unresolved and Citibank is not providing a contact or instructions to dispute the resolution.

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 2024-01-29
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/24 Citibank withdrew {$2000.00} as a payment without authorization. On XX/XX/24 after contacting them and indicating their actions were unauthorized, they returned the money to my account. On XX/XX/24 the again withdrew {$2200.00} out of my account without authorization. They currently have not returned the money.

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 2024-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My ssn is wrong on all credit bureaus and its preventing me from being able to do my taxes so I need it fixed asap

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 2024-01-29
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern Im a victim of identity theft. Ive also sent a police report I have contact the three credit reporting agency and the debt collectors stated the same fact and Ive also mail an used AI online dispute letters months ago to verify the debt and also to update personal information. Nothing was done no response.

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 2024-01-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained Bankruptcy relief from this account. The bankruptcy was finalized and this debt was successfully discharged in XXXX XXXX 
The XXXX credit report is reporting this account as a bad debt/collection with a current balance due of {$2400.00}. 
I called the company and also disputed through XXXX and they continue confirming the same information.

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 2024-01-28
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Someone had two access accounts in my name ending in XXXX & XXXX and a savings ending in XXXX. I did not open this at all I was not even XXXX XXXX XXXX it's no way that I could've had an account by myself.

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 2024-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied with Bank of America for a credit card. I was denied because of account has been revoked. What is the reason for revocation?

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 2024-01-28
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, the mortgage company Mr. Cooper serviced a VA mortgage I held jointly with my spouse. Despite repeated assurances from the company that all diligent measures would be taken to protect our sensitive personal financial information, Mr. Cooper retained this information after the loan was transferred and paid off. As a consequence of the firms retention of our sensitive data and further failures to maintain requisite systems security our names, addresses, social security numbers, and personally identifying details were leaked to an undisclosed third party. 

Time and time again, financial firms negligent handling of consumer data in conjunction with a lack of basic information systems security results in data breaches. Without any accountability or penalties there is no incentive for adequate investment in security. Rather, costs saved by not implementing these basic measures fatten bottom lines while exposing consumers to immense risk and potential harm. It is incumbent upon the CFPB, FTC and other agencies to increase enforcement until the costs of a data breach become incentive to properly safeguard this sensitive information. 

It is also essential that notice of past breaches be made centrally available to inform consumers. This information would go a long way toward guiding consumers to firms that are capable and careful with their data as the paltry offers of credit monitoring are insufficient to redress the harm caused by this negligence.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: Neighborhood Capital Funding, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Affiliate Mortage Collection agency assumed collections/payments for XXXXXXXX XXXX XXXXXXXX XXXX. The book keeping was by hand with pencil and paper and incorrect. My payments were mailed certified on time for months to assure correction application of my payments but were still applied and reported incorrectly to all 3 credit Bureaus. I have attmepted disputes via certified mail XXXX and XX/XX/XXXX directly to Affiliate Mortage. There is no singned contractual agreement or obligation to Affiliate Mortage or even a signed late policy. They have turned the mortages back to the original XXXXXXXX XXXX XXXXXXXX, but refuse to correct the incorrect reporting that wrecked my credit. And, they are reporting different dates between the 3 credit bureaus. My loan has never been late, and has never been reported to the credit bureaus, EXCPET, when affiate got it and reported it late for 6 months!!!! Affiliate Mortgage did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute. Therefore, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: M&T BANK CORPORATION
State: RI
Product: Credit reporting 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:
Dear XXXX XXXX and M & T Employees, Please send a Subpoena to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX They represented themselves as someone with authority to look at my Transcripts and Banking, which is not true. 

They have been coercing me since Day 1, being short and disrespectful about men surviving XXXX XXXXXXXX, have yelled at me and lost forms regularly. 

Their Offices are in XXXX, Rhode Island as well as XXXX, Rhode Island and XXXX, Connecticut. Report them for FTC Fraud.

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