BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive been unable to get my credit report from TransUnion for over a year now. Whenever I call, they tell me that there is a technical issue, and nobody is able to resolve it. I can get my report from the other major bureaus without issue, but TransUnion refuses to give me access.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-01-29
Company: BARCLAYS BANK DELAWARE
State: VA
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:
XXXX XX/XX/2023 : I was the victim of a computer hack. Warning messages appeared on my screen saying I needed to take immediate action. My family financial security was threatened. I foolishly allowed the hacker access to my computer and eventually was contacted by a cyber criminal posing as a XXXX agent. I was subsequently scammed by this fake XXXX agent and a fake Barclays agent and instructed to proceed to a local XXXXXXXX XXXX hardware store and purchase XXXX separate {$2000.00} gift cards. My attempts to contact a legitimate Barclays rep and sort out this ongoing scam were not successful. The story line presented by the fake agents was that someone had tried to make a fraudulent {$5000.00} transaction from my account on an online gambling site. I passed the gift card numbers to the fake agent and the cards were quickly activated and my money was lost. 
Their fear tactics worked as I did in fact purchase the 5 gift cards, essentially reaching the credit limit of my Barclays card. At no time during this horrible day did anyone from Barclays reach out to me and determine what I was doing and why. These transactions had to set off some sort of fraud alert at any respectful credit card company. Don't allow the payments until you communicate with your customer in an attempt to prevent fraud. I have always been contacted by my credit card company regarding unusual purchases or high value purchases. Not this time.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-02-06
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
XX/XX/24 {$200.00} XXXX {$100.00} XXXX {$92.00} XXXX {$290.00} XXXX {$370.00} XXXX {$980.00} XXXX XXXX XXXX XXXX After noticing transactions that was not made by me I immediately contact us back XXXX and file a claim. 
I received a letter in the mail XXXX telling me that my claims were denied and included that I initiated, authorized, or benefited from the transactions. Which is false accusations with no proof..

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: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Approximately XXXX XXXX, I was behind on payments and Select offered ( no solicited ) me a loan modification. I had to pay a certain amount for XXXX, XXXX, XXXX of XXXX. 

I made the payment but slightly early because I didnt want any mishaps. So I started making the payments in XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and in XX/XX/XXXX for XXXX. 

Since, I made the payments slightly early I suppose they sent out the contract early. I did not see the contract until I was trying to make a payment for XX/XX/XXXX. Because, starting late XX/XX/XXXX, I learned that I needed a medical intervention and therefore had multiple medical appointments between XXXX and XX/XX/XXXX. I submitted the signed contract albeit late and explained that I missed the deadline for medical reasons. 

They gave no consideration that I had made all the payments early. In fact, had they only been on time, the due date would likely have been late XXXX XXXX. Then, because they refused the to honor the previous contract, I requested another modification/deferral, they approved it, only to withdraw siting the previous offer and exacerbating my financial problems. 

Due diligence is what should be done before and offer, I believe that the withdrawal was unfair and made things worse. 

Unfortunately, XX/XX/XXXX, I tested positive for XXXX and also had a reoccurrence about XXXX days after testing XXXX so for nearly XXXX weeks I was ill with 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 2024-01-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS ALL HAPPENED AT A US BANK ON XX/XX/2023 A PERSON IN OREGON CLAIMING TO BE ME DEPOSITED A CHECK FOR {$4500.00} DOLLARS INTO MY ACCOUNT .THEN A FEW HOURS LATER WITH DREW THE {$4500.00} DOLLARS. THE BANK AFTER FINDING OUT THE CHECK WAS NO GOOD TOOK {$4500.00} OUT OF MY ACCOUNT .WE WENT TO THE BANK AND WORKED WITH THE MANAGER AND DID EVERYTHING THAT THEY ASKED WAS ASSURED WE WOULD RECEIVE OUR MONEY. WE KEPT IN TOUCH WITH THE FRAUD DEPT AT US BANK EVERY OTHER WEEK AND AGAIN WE WERE ASSURED WE WOULD RECEIVE OUR MONEY. WE WENT TO THE BANK AGAIN AND WORKED WITH THE BRANCH MANAGER AND WERE TOLD THAT THE CLAIM THAT WAS PUT IN AT THE BANK WAS DONE WRONG AND THAT THEY WOULD EMAIL US A NEW CLAIM FORM TO FILL OUT, WE WAITED 2 WEEKS AND NEVER RECEIVED ANY EMAIL SO WE CALLED AND WE WERE ASSURED SOME ONE WOULD CALL US. WE DID RECEIVE AN EMAIL SAYING IT WAS A WASH AS FAR AS THEY WERE CONCERNED BUT I HAVE PAPER WORK TO PROVE IT WAS NOT .THE SAD PART IS THE WE HAVE BEEN BANKING WITH THEM FOR OVER 20 YEARS AND IT IS SAD TO SEE HOW THEY TREAT SENIORS I AM SEVENTY SEVEN YEARS OLD AND ON A FIXED BUDGET

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 2024-01-11
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On or around XX/XX/XXXXXXXX   I applied for a credit card with GOLDEN 1 credit Union. The bank asked me to verify myself by going into the branch with proof of ID, residency and taxes. 

On XX/XX/XXXXXXXX  i did just that. I visited the branch and met with the personal banker ( see attached business card/docs ). The rep XXXX XXXX ( member XXXX XXXX  XXXX ) assisted and verified that the " BACK OFFICE '' received all requested docs. 

Since then the bank closed my acount. I have called repeatedly and I keep getting told my remaining funds will be sent within 7-10 days. This was before XXXX ( the new year ). I called recently about 2-3 days ago and I was told " XXXX XXXX XXXX DECIDED I AM NOT ENTITLED TO THE FUNDS IN MY ACCOUNT '' and told me to contact the people who wrote me the checks to file a claim with theiir bank. HOWEVER< these checks have been cleared and negotiated back in XXXX and XXXX XXXX and one check was a cashiers check which CAN NOT even be claimed once cashed. 

I WANT MY REMAINING FUNDS SENT TO ME ASAP. It is illegal what this bank is doing

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion is infuriating, I've been trying to lift a protected freeze on my credit for 5 years. I've sent certified mail twice and they refuse to give me access to my account or verify my identity. I can not apply for a credit card or apartment with frozen credit, and TransUnion adamantly refuses to verify my identity, unfreeze my credit, or provide me with any options. This is extremely frustrating and I don't know what I'm supposed to do, this company is ruining my life.

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 2024-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
We were scammed out of {$36000.00}, contacted Wells Fargo and reported fraud, however investigator indicated that there was nothing they can do about my situation regardless of pleading with them that we do not have a relationship with XXXX XXXX and we have not benefited from any services they provide. My checks were deposited into a Wells Fargo Account. I've been a customer of Wells Fargo for over 30 years, they know I do not have such relationship, they should have flagged the checks and allowed us to proceed with fraud, but they refuse to do so.

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 2023-12-18
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After complaint XXXX where Mohela charged my account twice and refused to refund me UNTIL CFBP intervened, the loan services has been withdrawing from my bank account insufficient funds to meet the monthly minimum required under the XXXX Plan. In XXXX they withdrew {$1.00} less than what was needed which created threats to put my account on default, which can have lasting and extremely damaging consequences to my finances. In doing so it also nulls the benefit of the XXXX plan of waiving interest since the minimum is not being met. 
I performed an additional payment to meet that amount. However, During the XXXX auto-debit they charge {$0.00} less than what was required, creating the same problem. 

In both cases I have called and they start by telling me that I MUST pay my amount due immediately. They also provide no valid reason for this continuing issue. At this point I have spent XXXX hours, more than a days ' worth of hours on hold trying to solve these issues. Mohela has shown incapable to manage these loans or XXXX be doing this on purpose to prevent the interest waive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is coming up with a loan amount over double what their calculator states it should be. I have requested multiple times what they are using to determine this number and they aren't responding with this information. They are giving a lot of nothing in their response letters. I would like this to be escalated to the ombudsman. This has been months. I have also asked them to call me to discuss, but they just want me to call and spend hours on the phone on hold, or get disconnected when it should be transferred to a rep and then have to call all over again. Also there is nowhere on their website that has the numbers they are using to determine this inflated amount of monthly payment, this isn't transparent and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: TRUIST FINANCIAL CORPORATION
State: KY
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 credit card money was used by a hacker in XX/XX/year>. I immediately called the bank to report it. The bank informed me that it would take two billing cycles. It's almost the end of XXXX, and I haven't received the refund. They are also charging me a late payment fee. Despite calling them XXXX times, their response remains the same. This delay is affecting my credit score and more. The unauthorized charges were {$1900.00}, {$11.00}, and {$11.00} on XX/XX/year>. I reported them immediately. I can't afford to pay this much 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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Per The FRCA, as Federally protected consumer and per 604 - 15 U.S.C. 1681b, Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This was not initiated by me nor did I get any written, electronic, verbal nor, non verbal disclosures about these inquiries. Additionally I did not provide the credit reporting agencies nor these none affiliates to report nor disclose my private personal information. This is a violation also of the Privacy Act of 1974. 

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 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

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 2024-01-16
Company: U.S. BANCORP
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX. Purchased 2 {$100.00} visa gift cards at XXXX. Did not work. Had to call number on back of card. See attached document that details the problems trying to get the cards replaced. I was finally able to get cards replaced on XX/XX/XXXX but they double charged me for the activation fee.

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 2024-02-05
Company: CORELOGIC INC
State: MA
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:
Requested security freeze XX/XX/XXXX online request not granted, no communication, called core logic several times concerning freeze no results. On XX/XX/XXXX printed freeze request from online faxed it along with copy of drivers license and utility bill ( faxed on XX/XX/XXXX ) received notice in mail of freeze not being placed as requested. Core logic is a reseller of consumer information I want that stopped on my behalf

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: MI
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:
Bank of America has unjustifiably taken just under {$2000.00} from me since yesterday and when I contacted them this morning to return it they offered an absurd explanation blaming me for paying into my account at the beginning of XXXX. They offered to send a paper check in 14 days. When I said yes return my money but I would like it immediately they ended the conversation and provided a generic phone number to call. I was not rude or volatile. I made sure to express my displeasure but kept it very civil as it is not the employees fault but the institution theyre employed by. The employee failed to perform her job function and did not submit a refund claim for money they have yet to reasonably justify taking from me. I have a reasonable suspicion this is an act of retaliation for my claim against this card last month that went unresolved.

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 2024-01-18
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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:
1. We informed PenFed Credit Unin on XX/XX/2024 that all credit and or debit card charges made on XX/XX/XXXX and XX/XX/2024 were not made by us and were fraudulent charges. 
2. All monies taken out of our checking and or savings accounts on XX/XX/XXXX and XX/XX/2024 were not made by us and were fraudulent.

3. PenFed Credit Unin informed us of the following charges all of which were fraudulent : Date of charges on XXXX XXXX : Amount {$500.00}, time XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ), Amount {$500.00}, time XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX, NY ) ; Amount {$4900.00} time XXXX, ( address XXXX XXXX XXXX XXXX XXXX, NY ; Amount {$540.00}, time XXXX, ( address XXXX XXXX  NY. ; Amount {$2400.00}, time XXXX, ( address XXXX XXXX XXXX XXXX ) ; Amount {$3700.00}, time XXXX, ( address XXXX XXXX XXXX XXXX XXXX  NY . 
Date of charges on XX/XX/2024 : Amount {$500.00}, time XXXX, ( address XXXX XXXX XXXX XXXX XXXX XXXX NY ) ; Amount {$1200.00}, time 9:20AM. 
We request that all monies taken out of our savings and checking accounts be restored by PenFedCredit Union as soon as possible.

We request that all fraudulent charges be removed from our credit cards or debit card.

Please note my wife and I have never had or used a debit card.

PenFed Credit Unin has blocked our accounts so we are not aware of any additional charges that may have been fraudulently made.

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