BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My bank account got hacked they gained access to my IP address & took {$7500.00} dollars out my my u.s bank savings account through XXXX! I reported fraud on the accounts & today XX/XX/22 I got in contact with them only for them to tell me that I will not be able to get the money back because I authorized the transfer when that is not true I didnt authorize anyone to take anything nor have anyone access to my account! I need some help, it all happened after I was sent a fake check for my landscaping business, I sent confirmation to the guy that sent the check to show that I had deposited it & then after that they had gotten into the account! I have the check that they sent, I have the guys phone number, as well as the postage that they used to mail me the check with an address on it! I also have a picture of an ID of the guy! Please help me! I guess all the money that had came out my my account was sent though multiple XXXX transactions to multiple different people! It was an all around scam & now Im the one that should be paying the price? No thats not the way it works, my money was not only insured but the bank let the perpetrators pull the money out of my accounts not once not twice not 3 times not 4 times but over 5 times to send it though XXXX & they just let it happen & didnt lock the account out after the first one!!? I am not At fault for this at all & am going to do everything I can to get my money back! Also on top of this nonsense happening, not only did they steal my money, & not only is the bank trying not to give it back to me but they said all ties have to be cut that I am no longer able to have any accounts with them! I have a mortgage though us bank, my own personal checking & savings the ones that got hacked then I opened 2 new ones & also have my business savings and checking though them thats 7 different accounts that I am no longer able to have because of this! The bank is really screwing me over & That is all the money I had to make it though this winter unemployment! I am genuinely screwed and theyre just blowing it off like its not a big deal! Theyve seen this multiple times before & the lady at the branch even said the same thing that shes seen it multiple times that it was most definitely fraud and I still havent gotten anywhere! this is all the money I have! My number is XXXX & my name is XXXX XXXX please help me Im begging you! thank you

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: LA
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:
SEE ATTACHED Experian XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear Experian There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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  The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX remove ALL others The only phone number should be listed ; XXXX remove ALL other There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you

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 2022-04-18
Company: Shellpoint Partners, LLC
State: MD
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: Problem with personal statement of dispute

Complaint:
I was in the middle of a modification when Shellpoint/Newrez decided to report my account as delinquent. It damaged my credit. I was under a forbearance plan and before I was about to end I contacted and we started the process for a new loan/modification, etc. I tried to pay to avoid the negative reporting but the payment was rejected because the paperwork was not finalized. The reason why I was in a forbearance plan was because I was affected by XXXX and I was having difficulty making eh payments. They new my credit was going to get affected by the reporting and I don't understand why would they want to hurt people this way knowing that I was working with them modifying the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: DISCOVER BANK
State: NV
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 sent several dispute letters to discover bank regarding inaccurate information on my consumer report discover bank refuse to remove this item off my consumer report. I feel like Im being taking advantage of and they are disregarding my disputes. I know my rights as a consumer and discover bank is not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid 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:
Estimated time of charges : XXXX XXXX - XX/XX/XXXX Merchant : XXXX XXXX XXXX Amount charged : Approximately {$7000.00} - {$8000.00} XX/XX/XXXX : I did not ever receive any fraud alert or suspicious activities of my credit card being used despite having that service enabled. After noticing the fraudulent charges I called in to report them and was told that the charges will be looked into and that I will not be held liable for them. I received a new card, however, the charges continued to remain on the account. 
XX/XX/XXXX : The fraudulent charges appeared from the merchant again. Multiple charges of {$5.00} and {$10.00} were being made every few days. 
XX/XX/XXXX : I noticed these new charges then and called in to report them. The card was closed and a new card with a new number was issued. I was told that they'll investigate further into the charges and I would not be held liable for these amounts. 
XXXX XXXX : The fraudulent charges continued to remain on the account and after calling in regarding the charges, I was told that it takes a while for large amounts to be investigated. During all of this, I was still using my card often and making payments on it every month. I was given an interest fee every statement due to the fraudulent charges remaining on the account. 
XX/XX/XXXX/XX/XX/XXXX : I called in again regarding the interest fee and was told that if I was cleared of the fraudulent charges, I will receive a refund on them. 
XX/XX/XXXX : I haven't received any notice regarding the fraudulent charges and I called in again questioning the status of the case. I was told that due to COVID-19 that it will take a much longer time for them to investigate. 
XXXX XXXX : No updates were received, I called in again and was told they're still looking into it. 
XX/XX/XXXX : No updates received still. I called in again and was told they will send out a letter for me within 10 business days to sign confirming that what I reported was fraud. I still haven't received any letters and called in 2 weeks later about the whereabouts of the letter. I was told that the case has been closed and it is determined that the fraudulent charges were considered to not be fraud. They refused to give an explanation that led them to this conclusion and I was told that one of their supervisors would get in contact with me the next day. No one has contacted me yet. The statements in question are no longer accessible in my online account and when I asked for copies they said they could not send them to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: AR
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:
There are multiple duplicated errors listed.Department Of XXXX, showing delinquent hsitory from over 7 years ago. The way that they are reporting is damaging my oppourtunitis to continue my education. 

XXXX XXXX XXXX is showing delinquent history over 7 years reporting. This account is paid as agreed. XXXX XXXX not mine, my account paid as agreed. 

XXXX XXXX XXXX is not mine belongs to my spouse. I don't recall signing this loan.

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 2022-12-05
Company: EQUIFAX, INC.
State: TN
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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  15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 anteaters 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 innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was gifted $ XXXX in my Navy Federal bank. The money cleared and within a 3 hour period the bank took it back and is a XXXX. Their only response is either the bank requested it back or we stopped the payment. No I need to know where they took my money!! This happened XXXX on XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Wells Fargo refuses to answer me regarding mortgage payments that I made. 
Wells Fargo requested more time to locate payments that I sent to them while stating they had no knowledge or re cord of receiving such payments. 
No, they ran out the clock and closed my case. 
Wells Fargo apparently denied receiving XXXX XXXX XXXX  from me while placing me into default.

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 2018-10-21
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have noticed a large number of Misapplication Reversal entries on my mortgage records resulting in my principal balance increasing {$1100.00}.

I contacted Roundpoint several times to provide a full accounting and written explanation of why the Misapplication Reversal entries were made, where did the funds go, and why did the principal balance increase after the adjustment.

To date I have received no response. I am concerned, due to researching similar complaints, that Roundpoint Mortgage is mishandeling Escrow funds and/or mortgage P & I funds.

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 2023-05-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent XXXX different letters since XXXX of XXXX as well as called on XX/XX/XXXXXXXX  to get validation of this fraudulent debt and ask until i get validation and a new investigation be done to remove from my credit in 30 days and none of those things have been done nor have they responded. 

CB/ Wayfair bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX Charge excessive overdraft fees by Regions Bank When I call and talk to the bank representative and told them my situation. I was given a one-time a year courtesy overdraft fee. 
XXXX I was charged over to XXXX and overdraft fees. Averaging $ XXXX $ XXXXper 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 explanation
Consumer complaint received 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to retrieve funds from my account and I was told by Bank of America that there was a fraud alert on my accounts that I didnt put on there. I work for a large company and my check was being deposited there and no one is telling me why I cant have access to my funds. I am a veteran who served and protected this country and Im treat like this. I have a newborn that Im the sole provider for and I cant get my money that I work for everyday.

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 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A so called recovery place tried to get me to pay {$830.00} today by days end or face a {$5000.00} judgement in court for a old credit card I never had. Says from XXXX in which is impossible because I didnt have a capital one card between these yrs. What is the statue of limitations on these matters!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: VA
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, 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

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 2022-04-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
What does it take to send a wire with Chase? 

- five tries, four of which were rejected with no reason given or anyone connecting to try to clear the issue - Two hours across 6 phone calls to customer service, fraud detection,... 
- Two dropped calls while being transferred from onXXXX group to another - Being told threXXXX times by customer service, after extensive verification, that a wire would proceed ... only to have it rejected- a secure message through the system to complain about the issue, only to receive an acknowledgement 24 hrs later that the message would get prompt attention. Three days later, I am still waiting - After executive escalation, a call from a very polite young man who essentially then did nothing .... lots of style, no substance Chase needs to fix its customer service. Some specific suggestions - If there is a problem, call, text or email to resolve ... dont just reject. I appreciate its to Chases benefit to hold onto my money but it is poor customer service- If someone in customer service tells you a problem is fixed, then the systems should be such that it is fixed - There needs to be a real time connection between customer service and the back office so that customer service can fix an issue on the spot, not leave a note on the file which the back office then ignores - Make sure your executive escalation people actually have the power to fix things... not just politely tell you how sorry they are then nothing happens

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: AZ
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 DES Child Support Enforc. Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: FL
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 Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  SELF-REPORTED Account # : XXXX reporting innaccurate information XXXX  XXXX Account # : XXXX reporting innaccurate information XXXX Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX ( original creditor : XXXX XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX original creditor XXXX XXXX ) Account # : XXXX reporting innaccurate information XXXX XXXX ( original creditor : XXXX XXXX ) Account # : XXXX reporting innaccurate information These accounts has violated my rights .

15 USC 1681 section 602 A. States I have right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions to do so.

15 USC 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 USC 1681 section 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 innaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: TX
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:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, Equifax, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately

Company response to consumer: Closed with explanation