BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I wanted to open a high yield savings account after we made proceeds from a XXXX  home sale so we could grow that amount to help purchase our dream home in XXXX  in a couple of years. I researched various banks and products and decided that the CIT Savings Connect best met our needs with 4.6 % APY and mobile banking/check deposits. I applied online during lunch today, XX/XX/2023, during XXXX weeks of military duty from my govt computer. I entered all the information and submitted all of my sensitive data including occupation and Social Security number, etc. Seconds later I got a screen saying, " Unfortunately we are unable to open an account for you at this time. Thank you for your recent application for a CIT bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No other explanation at all, and I have phenomenal credit -- around XXXX currently. XXXX XXXX XXXX I called the CIT customer service and she told me that it typically happens if there was a work computer or VPN involved. Itold her I used my .mil computer and she said that if I used my phone or personal laptop it would accept it. A few minutes later I did exactly that -- and got the same error message. Again with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: CA
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:
to whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was laid off due to COVID-19 and contacted CAPITAL ONE for assistance on monthly payment. They closed the account and reported the account as delinquent. I contacted them to start pay for delete process. I paid off the collection and after waiting a few months I contacted them to see what other steps I needed to take to get the delinquency removed from my credit. Their representative advised that it would not be removed and it was never a pay to delete process. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On my XXXX credit report i have 2 hard inquiries on XX/XX/2023 and XX/XX/2023 from American Express/AMEX . I also have 5 soft inquiries from American Express/AMEX for the same days. 

On XX/XX/2023 i have a hard inquiry from XXXX XXXX along with 1 soft inquiry on the same day. 

I also have 1 hard inquire from XXXX XXXX XXXX and 2 soft inquiries for the same day of XX/XX/2023. 

All these are duplicates and are not accurate. These companies ran my credit multiple times without my permission resulting in multiple inquiries on my account. These applications were for pre approvals which they assured me would be a soft inquire and not a hard one. However, weeks later, the inquires say they're hard. This is not accurate representation of my account and i want the hard inquiries removed because these were suppose to be soft inquiries, hence why we have so many soft inquiries from the same companies on the same dates. I believe this was a mistake on their part and id appreciate it if they removed the duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The wire transfer was made with my account to a person named XXXX XXXX. This was a scammer who had opened a false bank account with bank of America and impersonated a different person to collect money on an investment. 

The bank promised that its legal department would look into getting the money back and the scammer would be traced and that Bank of America would be able to track down the scammer and retrieve my money. 

Instead the bank only gave a courtesy call to the scammer and took no action to recover my money. 

The bank was given all the information that a police report had been filed and an FBI report had been filed to catch the criminal. The Bank chose to ignore that information even though the agent from the Claims department herself had stated we report this to FBI and the police as that would help to recover our money. The blank claimed they have cameras and will be able to track down who had opened that account. The FBI report attached below shows how the scammer changed the bank information by middle man hacking techniques on emails. 

I have the claim number on the Bank of America XXXX, the police report and the FBI 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 2022-12-13
Company: Experian Information Solutions 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-20
Company: CMG MORTGAGE, INC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I payed twice accidently on my mortgage XX/XX/2023. Clearly the funds were there but the money was taking forever to be drawn. I thought I may had forgotten so I payed online again a few days later. The company then tried to take the money out twice. I called to resolve this matter but the company is refusing to let me make an online payment for this month.They are also trying to charge me late fees. I tried reaching out to the research department through the online portal but nobody ever writes back. This company keeps giving me the run around!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: GA
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:
There is inaccurate information on my credit report. All credit bureaus are not reporting 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 explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge 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/2023 at XXXX, I was contacted by Wells Fargo via telephone call and email that there was a suspicious purchase on my credit card. My card was used at a XXXX XXXX Store in XXXX XXXX, New York in the amount of {$3900.00}. I confirmed it was unauthorized and was quite upset. I told them this is not possible because I still had possession of my card. I did not understand how this could happen. Wells Fargo told me to destroy the card and I would be receiving a new one in 10 business days. I received the new card and thought everything was resolved. Then on XX/XX/2023, I received a letter stating no fraud had occurred. I immediately contacted Wells Fargo and assured them it wasn't me that made the purchase. They claimed that because I was in possession of the card I am responsible. They then stated they would conduct another investigation. Again, on XX/XX/2023, I received another letter stating that I authorized the purchase and was therefore responsible. After receiving the letter, I called Wells Fargo again and was told I used my phone to pay with my credit card for the purchase. I told him I have never used or placed any credit card on my phone and they should have a record of that. Again, they told me they would conduct another investigation. At this point, I made a police report of the theft. I was advised from the police that Wells Fargo is now indicating that my card was physically used. I contacted XXXX XXXX and Wells Fargo trying to get help and asked them to look at the camera footage. I spoke with XXXX XXXX at XXXX XXXX and see told me they would conduct an investigation and I never heard back from them. I need 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 2022-11-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent Multiple disputes to remove these hard inquiries they are fraudulent and I want to get them 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 explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is the 5th time I have reached out about these inquries I also went on XXXX website and uploaded my report stating these inquiries need to be removed and 4 months it still isnt corrected

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 2023-07-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo reported this account as late for dozens of months in XXXX, XXXX, etc. The Deed and Title to this home WAS IN MY NAME! The mortgage had been discharged. Wells Fargo disputed the discharge of the mortgage and sued me in XXXX XXXX XXXX XXXX, but later ended up dismissing this lawsuit. The Credit Report reflects that there is no money owed on the account now but the late payments are still there which hurts my score. I need these late payments removed from my 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 2022-12-13
Company: GUARANTEED RATE INC.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
GuaranteedRate sold my loan to a different company before I even made the first payment to them. They have messaged me 3 different times to tell me I haven't paid enough to escrow and I'll need to pay more. When I closed on the house, which was also delayed on 3 occasions, I started receiving spam mail constantly from them about their home insurance. At first it started as a small envelope but after 5 days they started to disguise the envelopes as important paper work just like a scam company would do. I used GuaranteedRate through the company I work for and they seemed great at first but I think it's mostly a scam company with an XXXX of great customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called USAA on XX/XX/XXXX to help me resolve a debit card dispute for a transaction that took place on XX/XX/XXXX in the amount of {$6500.00}. The company I am disputing with has a class action lawsuit pending against them for bad practices etc. I specifically asked the representative it was too late to dispute the amount, she said no. She said she could dispute it for me with out any problem, which she did and gave me provisional credit. She then told me I needed to write a letter to ensure they got my side of the story while they investigated. I wrote a long letter to explain everything .... 

I received the provisional credit on XX/XX/XXXX and patiently waited for the results of the dispute after Id gathered my evidence and wrote my letter as instructed only to hear back from them 3 weeks later on XX/XX/XXXX saying my dispute was filed too late and they would be removing the provisional credit without even investigating. This seems crazy to me as I am sure there should have been training in place to let the first representative know not to file the dispute if it was past the timeframe to file. In addition, why did it take 15 business days to get back with me to tell me they werent going to investigate. Which means they didnt even start looking into my dispute or my letter that I took the time to write per their instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Affirm Holdings, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX affirm and account XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Rubin & Rothman, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/2019 I received a later dated XX/XX/2019. It looks like is from a law firm Rubin & Rothman , LLC attorneys at law. XXXX XXXX XXXX XXXX, NY XXXX phone # XXXX faxXXXX.This is fraud trying to collect a debt. 
1 ) the letter looks fake like mass produced ( I work for attorneys and this is not a formal letter of collections ) 2 )  my name its not correct or the address ( its close but wrong ) 3 ) it says I own $ for credit card with XXXX 4 ) I DONT HAVE ANY CREDIT CARDS WITH THEM. If I ever did it was over 15yrs ago. 
all credit accts were closed. and any credit cards I have is in my real full name, never in my pet name. 
5 ) this is 1st I seen this type of communications

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 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled a payment for {$2000.00} for the due date on my capital one credit card. There is a {$2000.00} limit and was over the limit. I normally pay $ XXXX payments monthly and regardless of the time or day those are made the credit is made available to me immediately. This time I paid off the balance and the company cant charge me interest so they have held my payment for up to 14 business days. The money has left my bank account and is supposedly pending on capital ones end. I find this wild considering they are release my available credit immediately any other time I make a payment. So consumers are punished for paying off their high interest credit cards by not being allowed access to their credit immediately like in any other situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
it is my understand that a credit card account can not be deemed over the limit solely on the imposition of interest on that account ( 1026.56 ( j ).

All of the other credit cards issued by banks appear to comply with this interpenetration of this rule except this one. 

Their response did not make sense to the complaint and copies presented were in a font of a copy so small as to be unreadable under normal vision.

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 2023-12-17
Company: Bitstamp USA, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi, i was scammed by a XXXX XXXX supposedly living in XXXX XXXX, yes she was real i XXXX  her to make sure of that before i started investing with her. Now in actuality it didn't seem like i was investing my money with her. She introduced me to an app that if you look up is a legit app called XXXX. The app is a real legit app, but the link she sent me was to an app that looked just like it. So that app i was actually on was a fraudulent app. It had customer service and everything. It was all quite a good scam. I ended up sending my money to my wallet in bitstamp and through that i would send it to the Wallet id in the app. You guys shut my account down and i have no access to it anymore! no reason was given for this either. I want my account reinstated so i can show you those transactions as well. This is totally illegal : not allowing me the proof I need to reveal transactions that show the carelessness of the bitstamp 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