BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-27
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:
I filed a claim on XX/XX/23 with Wells Fargo. I was told I would be getting a provisional credit. I did not do any business with pretty little thing. I attempted to but the website was giving me an error message. But my bank was still authorizing for the payments to come out of my account. I spoke with different associates for the past 4 days from the XXXX and they were all rude and giving me the run around about receiving my money. I didnt authorize the purchase because I dont have a receipt to confirm purchases. Today the XXXX and they have denied my dispute saying that I can not open a new one. I have not received any products from pretty little thing. Not even a confirmation number.

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 2024-01-27
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First Source has reported these discrepancies on my credit report illegally because when I chose to opt out from them reporting anything to third party companies, they did not comply and it states in US Code Title 15 Chapter 94 ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. The company has reported inaccuracies to my credit report fraudulently. I requested a contract and have never received anything on the matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, {$1700.00} was paid to Kia Finance company for my XXXX XXXX XXXX. The bank charged it back on XX/XX/XXXX and it was removed from my Kia account. I spoke with the bank and rectified the problem and they cancel the dispute and said it was a good charge and would not seek out to collect the money back. Kia said they sent the money back same day on XX/XX/XXXX and said it goes back immediately however no funds have returned to my bank and the back has said they have not received anything. At this point, XX/XX/XXXX, I have yet to receive my money back from Kia and they have removed it from my account and can not provide me any information on the missing funds and are essentially stealing the {$1700.00} from me. They also are now telling me that they never received the 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 2024-01-26
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the atm to do a cash deposit of {$200.00}. A followed the prompts and put my money in the slot when directed. A few seconds went by and it sent one of the XXXX {$20.00} bills I had placed inside. I removed it but the door stayed open. After a few seconds it said to remove the bills but I already had taken the one bill it sent back out. Then after a few more seconds it closed the door and said my transaction was canceled and my money had been retained. I tried to do this after hours so I called the banks XXXX number immediately. They said they would treat this as a fraud claim. That is not what this is. Its an ATM failure. They told me it would two weeks to get a provisional credit. So I went into the branch the next day and was told they dont service the atm themselves. A third party does. I was told that when they come in my money will likely be found and my account credited but that hasnt happened. I need someone to advocate for me or at least advise what I need to do. Thanks

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 2024-01-26
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company XXXX called informing me they will take legal action for a debt I'm not aware and it is from 2010, when I requested identification for the law suit lawyer the person on the phone XXXX XXXX stated threatening me with legal action, a judgement against my property, I requested to e send information via email and they sent a docusign document that I refuse to open and signed, I called back to request to please send information about this debt via fax and/or mail, they did not provide and told me aggressively I was being childish and they will not provide any further proof of debt and take me directly to court. 

I kept calling XXXX XXXX to get more information regarding the company and law firm and she said to stop calling and they will take me to court

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 2024-01-26
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Account was opening during a time period where there was an available promo for new accounts. I my account was opened XX/XX/XXXX and the promo at that time was {$300.00} after I meet all the qualifications. I met the qualifications and I did not received my bonus. I called customers service and the representative looked over my account and told me I have meet the qualification and that she was going to submit a form for missing bonus and that they would reach out to me. Nothing happened, I did not get my bonus and no one called me to follow up. I called again XX/XX/XXXX and spoke to another presentative and she was not able to find any notes or ticket for the missing bonus she also reviewed my account and I met the qualification so she was going to submit another ticket and they would follow up with me. Time passed by and nothing, I called again and was told there was no ticket and I met the qualifications and they would submit another ticket. I am just tired of the going back and forth and no resolution. No one has been able to update me and let me know what was the outcome of those tickets submitted.

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: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent letters to XXXX  on XXXX XXXX XXXXXXXX to validate credit acceptance. I asked for a validation of debt owned and got no response within 30 days XXXX  stalled back and sent me a email saying nothing was done and that i can only dispute through them personally, even after sending supporting documents to prove my identity to them!! On XXXX XXXXXXXX i sent another letter and told them Under federal law ( 15 U.S. Code 1681i ). They CAN NOT DO This, and they must respond to my letters and I still havent gotten a response As of 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 2024-01-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NM
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:
Between XX/XX/XXXX and XX/XX/XXXXXXXX  a check was stolen from my checkbook without my knowledge. On XX/XX/XXXX, I was attempting to make a small purchase at a grocery store, when my card was declined. I went straight to my bank, at the time they were called, Bank of the West. There I was told that I was in the negative over {$800.00} due to a check being cashed in the amount of {$1000.00}. We verified that the check was not something I had written as I did not know the person the check was written to, the signature and handwriting did not match any of my prior checks, check was out of sequence, and I do not pay for tuition for anyone. The bank placed a flag on the account and I was told that they would file a police report. On Monday, the bank manager contacted me and told me I was the once that had to file a report, I immediately filed the report to the XXXX XXXX Police Department : XXXX XXXX. BMO closed my account and would not allow me to open another with them. I had to take my business to another local bank. On XX/XX/XXXX, I received a letter by mail stating that the overdraft had been sent to collections to XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe the bank any money as this was a fraudulent cashed check, in fact, they still owe ME the balance I had on my account prior to them cashing this check.

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 2024-01-22
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home 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 having issues with BB & T/Truist Bank claiming that I owe fees since XXXX. When asked to explain what the fees are for I was told late fees. However, there was no way to accumulate late fees in the amount of what the bank claimed I owed. When I asked for a copy of my payment history to be sent to me I would get a monthly break down of payments made. There was no explanation of fees owed in writing or over the phone. The fees were ignored most times and the fees were paid on a few occasions. Once the fees were paid the bank would immediately come back and say that I owe more fees. I received a letter dated XX/XX/XXXX from loss mitigation giving me options to bring my payments current. My mortgage payments were not delinquent and the only fees that the bank claimed I owed were the fees that they could never explain how I owed them. I contacted client advocacy to investigate these charges and received a letter dated XX/XX/XXXX. This request for unexplainable fees went on from XXXX. I sent a letter requesting correction of errors to Truist Bank. After the letter I received a refund of {$1600.00} from client services. I was harassed by BB & T/Truist bank for several years. BB & T/Truist demonstrated bad business practices and mortgage fraud. My home is in a lower income XXXX neighborhood and I believe I was being targeted on the basis of my race to get me to sell my property.

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: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
First paycheck they cashed no problem from my employer. Deposited my check last Friday and they put a hold on it until XX/XX/XXXX with NO EXPLANATION. I called, they don't know why, won't release funds. I went to the bank, they said they don't know why and would not release my funds and had no idea why. My employer says on their end, Truist has never even tried to deposit it into their bank!

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: Freeway Funding, Inc.
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 opened an account with Freeway Funding in XX/XX/XXXX '. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.

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: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
US Bank is not honoring the Cares Act Credit Reporting requirements. I have a XXXX  XXXX hardship and I am in a loan modification program with US Bank for XXXX mortgages ( and another 1 is still in forbearance ). US Bank is not honoring the Cares Act neutral credit reporting requirements in violation of Federal law. US Bank believes that once the initial forbearance period is completed, it can report delinquent information even when I am still in the load modification process and have been making payments pursuant to that process. 

A consumer class action should be brought against US Bank on behalf of consumers like me. US Bank is not above the law and should be penalized for not complying with the CARES Act and damaging consumers credit with bona fide XXXX XXXX hardships.

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: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/2024 an entry ( hard credit pull ) was made on my XXXX credit report, indicating that I applied for a JC Penney Mastercard. It shows as XXXX/JC PENNEY XXXXXXXX ( Hotel and travel ). This is inaccurate, in that I did not apply for credit as indicated in 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 non-monetary relief
Consumer complaint received 2024-01-23
Company: ProCollect, Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive been dealing with procollect inc and XXXX XXXX XXXX for years. They have not verified any debt of mine nor has proved any debt belongs to me. Ive disputed numerous times and has contacted the XXXX  to help resolve the issue. Ive had no luck. Ive been dealing with this issue since XXXX and Im fed up. 
Accounts numbers XXXX XXXX Pro Collect-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 2024-02-07
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
They are not reporting the credit history on my mortgage

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 2024-01-24
Company: BlueChip Financial
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The loan was funded and I was under the assumption that the payments would be monthly but they were taken on my payday. The money was always taken in the morning, prior to my pay being funded, therefore, causing an overdraft! The next day or a few hours, the company returns the payment causing me higher interest fees. This was done twice before I called the company and asked for an explanation. None of the CSR 's could give me a satisfactory answer, therefore, my financial institution has a " DO NOT PAY '' for this merchant. 

I want to pay this loan off, but the company has fees 400 %, which is " Crazy ''!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Somebody opened an account in my name without my permission. I notified the bank and they refused to assist me unless I provided more personal information, which I was not willing to do considering there was fraud involved in opening the 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 2024-01-23
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We had the loan set up on bill pay through our credit union. Several years ago we got a notification of repossession and we were shocked because we had set it up so we didnt have to worry with it. At the time they did a poor job explaining what had to be done other than pay {$1100.00} to avoid it being repoed. We paid it and followed up with our bank who showed the payments going to them. For a period of time it was sent by check and the last few years have been sent electronically. We recently sold the camper and paid all but {$1000.00} of the loan and come to find out theres {$3000.00} due to pay it off which includes $ XXXX in late fees. Weve tried to work with the bank to remove these as thats so excessive. The bank has had other class action litigation due to fees and they refuse to work with us and now that we have mentioned exposing this they wont talk to us. We have the funds to pay the loan off but {$1900.00} in late fees is extremely excessive. The payment was due XXXX XXXX, 2024 in the amount of {$220.00}. We paid {$5000.00} the posted XXXX/2024 and on XXXX/2024 they applied another {$25.00} late fee. Its all sketchy and we feel like weve been taken advantage of as weve made every effort to pay this loan and we feel like theyve applied these fees illegally.

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: Prosper Marketplace, Inc.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/year>, I received an email from XXXX which is some kind of financial bank business that stated that I was not approved for a loan that I applied for. The email had information pertaining to my credit that was not true. I did not apply for an equity line of credit loan from this company. I called them to inform them about this email and they attempted to get additional personal information from me to inquire about the loan. I explained again that I did not apply for a loan and will not provide my social security and date of birth. They would not give me any information to report this as a fraud through their company. they just aggressively tried to get more personal information to process an inquiry. I am attaching the email as documentation which seems to be a phishing scam to get the recipient to give additional information and run an inquiry on your credit. I checked my credit report to be sure and there were no inquiries from 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 2024-02-01
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire transfer from my Wells Fargo bank to my XXXX XXXX account on XX/XX/XXXX. It is no XX/XX/XXXX and the wire transfer has not been received and it is not in my Wells Fargo account either. It is just missing. I filed a case with Wells Fargo on XX/XX/XXXX to find out where the wire transfer went and they still have no answer and have not credited back the wire to my account. There is just XXXX XXXX  missing and no one has an answer. I have checked with XXXX XXXX and they have not received any wire.

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