BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo/Wachovia opened a case last year but did not resolve the issue. I am entitled to seven payable on death accounts that my mother left POD to me that were wrongly closed by predatory ( former ) guardian/convicted Felon ( as of XX/XX/XXXX ) XXXX XXXX and her cohorts. This was a violation of federal banking laws and the bank remains responsible. Wells Fargo gave me a case number and contacted me by phone claiming there would be a settlement. But the bank failed to do as promised. I am still awaiting a monetary settlement, which I was promised. The bank participated in an illegal OR negligent activity by giving my inheritance money ( the seven CDs/money markets ) to the wrong person ( XXXXXXXX XXXX XXXX  ) using an illegal court order. XXXX XXXX ( XXXX ) also now makes it clear that a bank can not destroy a Totten Trust . The bank either intentionally collaborated with convicted felon XXXX XXXX or erroneously paid out the seven CDs to XXXX XXXX 's Geriatric Care Management company. In either case, the Errors and Omissions of Wells Fargo/Wachovia insurance should be able to reimburse me the nearly half a million dollars that rightfully belongs to me. In a letter sent to me the end of last year, Wells Fargo claimed they could not provide information on the wrongfully closed/money taken accounts. This is a misstatement, since the money/accounts belong to me. The money is mine and has been mine ( POD ) since XX/XX/XXXX ( the day of my mother 's death ). It's time for Wells Fargo/Wachovia to give back the money that was wrongfully taken and not given to the rightful heir ( XXXX XXXX XXXX XXXX The bank has a contract with my mother, XXXX XXXX, to honor her wishes, and no predatory guardian or illegal court order can destroy a Totten Trust. I am now reaching out to the CFPB through XXXX XXXX 's office for assistance with this matter. I have extensive documentation to prove my claim and there is no statute of limitations where there has been fraud, and also for the sake of justice. For years, no one listened, but now with XXXX XXXX arrest and conviction and new legislation specifically stating that Totten Trusts can not be destroyed ( XXXX XXXX, XXXX ), the bank needs to honor my claim. Sincerely, XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL 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 2024-01-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: RI
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had any business with that company. They tried to said I owe them {$4200.00}. I never live in that places. I tried to reasoning with this company but they still not prove to me that I was in fact the renter. The acct number they provided for me was from XX/XX/XXXX acct # XXXX. At that time I was living in mass.

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 2024-02-02
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
True accord contacted me by letter XX/XX/2023 I received it on XX/XX/2023 claiming I owe a debt to XXXX XXXX XXXX and that I can pay the debt to True Accord. I sent a certified letter which was received on XX/XX/2023 by an agent named XXXX XXXX. I was requesting information on the alledged as follows. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Not only did they not respond but they continued to have collection attempts reported on my credit report the entire time which is a violation of fair debt collection practices.

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: MD
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This bank and its rep, XXXX, lied to me saying they called me on XX/XX/24 and XX/XX/24 XXXX XXXXthey never did. I want this card ( US Bank ReliaCard ), account and the online access closed for good! The case number is XXXX. I already made it clear to confirm the closure! I don't need to call anyone -- -especially when their line is awful and of no help! XXXX did nothing but waste my 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 non-monetary relief
Consumer complaint received 2024-02-02
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was denied credit by Wells Fargo. The letter was dated XX/XX/2024. They gave four reasons why I was denied. One reason was late payments in the las 24 months. This was inaccurate. Not enough revolving accounts. This is inaccurate also. I am being treated with disrespect.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Spoke to both XXXX and Bank of America on XX/XX/XXXX. Indicated that this was not a valid hard inquiry because I did not request the account. I have since frozen all credit accounts, but since there is a hard inquiry that I did not authorize, the freeze will not apply to Bank of America as an " existing relationship ''. 

I requested that the inquiry be marked as attempted fraud, removed from my credit report and that all relationship between Bank of America be deleted so that it could not re-access my report without permission. The rep indicated that this would be complete within 5 business days. This has still not been completed, which puts me at continued risk of fraud, even with the frozen account. 

XXXX also indicated that they would document the issue and await further instruction from Bank of America, but neither has done their job and the issue appears to be left on my 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 2024-01-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a working woman who was in the process to getting approval for a home loan for first time homebuyer which is a new townhouse in construction. At the time my credit score was XXXX and I was approved by the builder for the townhome. During that process I had paid most of my bills accept one which was through PAYPAL/ My Synchrony Bank which is for {$120.00}. I was alerted by the Financial Mortgage Lender regarding this which I paid the whole amount on XX/XX/XXXX. My credit score went down XXXX points. When I paid off the account my credit score went back up to XXXX points. I was asked by my lender at the time if I can request a letter from PAYPAL/ My Synchrony Bank if they can remove the " late account " off my credit report. This would require them to request the three credit bureaus : XXXX, XXXX and XXXX to do this. I received a letter regarding the balance being at {$0.00}, but they would not remove this late account off my credit report to ensure that the account was paid off. This have made it difficult for me to go through the home mortgage process. I have had this same experience with an electrical company which I paid off my account and the company it not remove the late payment off of my record. I need assistance in how to remove closed accounts or paid off account out of the three credit bureaus. I also have my credit score rise back up to XXXX, XXXX and XXXX. Attached are my letter which I ask the PAYPALto remove the late entry. The other letters attached are the response from PAYPAL.

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 2024-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The CITI BANK provides the Citi Merchant Offer. On this offer at XXXX, it shows spend XXXX and get XXXX dollars back. I did that on 2 of my credit cards on XX/XX/year>, which was before the expiation date XX/XX/XXXX, but I did not get the credits correctly. 

I called the customer service in XXXX, but the agent said he could not see the offer and denied my request. I have no other options but to complain here.

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 2024-01-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I transferred {$30000.00} from my wells fargo account to my XXXX account ( See attachment Part XXXX ). On XX/XX/XXXX XXXX said that there was insufficient funds and the money would be returned, see Part XXXX  attachment. However there was plenty of funds in the Wells Fargo. Later it was determined there was a internal error on the deposit per XXXX which they informed me of on XX/XX/24 ( ticket # XXXX, see attachment Part XXXX ) ). On my sofi account it showed a + {$30000.00} on XX/XX/XXXX, see part XXXX attachment and then a - {$30000.00} on XX/XX/XXXX ( See part XXXX attachment ) indicating they sent money back to wells fargo. The money never showed back up on my wells fargo account. On XX/XX/XXXX, wells fargo deposited {$30000.00} into my account and said case was resolved ( see part XXXX attachment ). However all they did was take another {$30000.00} from my XXXX account and deposited into my wells fargo account via an unauthorized transaction ( Part XXXX attachment ). The original {$30000.00} is still missing and on my XXXX  account I have XXXX separate - {$30000.00} transaction debits from wells fargo ( Part XXXX and XXXX attachment ). 

To be as clear as possible, there is XXXX debits of {$30000.00} on my XXXX account, but only XXXX credit of {$30000.00} to my Wells Fargo account. I am concerned that the internal error ( Part XXXX ) at XXXX  caused this missing {$30000.00}. I am still missing {$30000.00}. The money that was debited on XX/XX/XXXX at XXXX for {$30000.00} never made it to Wells Fargo.

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 2024-01-21
Company: U.S. BANCORP
State: CO
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Pre paid gift card was bought in XX/XX/XXXX in XXXX and given to me the next day for my birthday form a friend, the amount is {$50.00}. I forgot about it and went to use it the other day XX/XX/XXXX and it was declined. I called the number on the back and they want me to send in a picture of the card which I did and a photo Id which I did not and dont feel comfortable doing that to a random website. After looking it up looks like a lot of people have the same complaint the company is prepaidgiftbalance XXXX. I called and spoke to 2 separate supervisors who told me 2 different things. Even more suspicious. It is a visa gift card supposedly through US bank. They are stealing from people and this is fraud. Most people wont send info in and in turn the company is pocketing the money because the funds are being used. Insane to me!

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 2023-12-05
Company: Experian Information Solutions Inc.
State: GA
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:
I pulled my credit report on XXXX XXXX  when I noticed some information being reported inaccurately on my credit report on a few of the CRA agencies from inquiry to accounts, public records, negative marks. these companies have been violating so many FCR and me as the consumer. Under 15US. Code 1681 ( B ) 15 usc 1681s-2. FDCPA 15 US.Code 1692 1

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at about XXXX XXXX  I had put a {$100.00} bill and two {$50.00} bills into my Bethpage FCUs farthest right most ATM. The machine then froze and read that I had only put in {$150.00}. I cancelled the transaction trying to get back my {$200.00}, but only received {$150.00}. I went into the bank the next day and told them what happened to which they replied they would investigate. I was credited the {$50.00} while they conducted their investigation and later noticed that the {$50.00} had been taken back out of my account, meaning my claim was denied. I went back to the bank on XX/XX/XXXX to ask why and they told me after their investigation into themselves they found no discrepancies with the ATM and that there was nothing they could now do. They gave me a phone number to call, which I called multiple times and not once was I received by a representative as they were always busy.

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 2024-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-01-16
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: FHA 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:
Loan Cares website does not allow the customer to upload documents nor does it give any confirmation ticket numbers to the customer email to confirm documents have been submitted to the website. Loan Care does not provide an email to send documents to them even when I advised them that the documents will not upload to the Loan Care website. 

I have attempted to upload documents for a tax problem I am having, but either I get error messages or I never get any confirmation with a ticket number sent to my email that the documents have been submitted to the Loan Care website. 

I uploaded documents on XXXX XXXX XXXX XXXX XXXXXX/XX/2024 and XXXX XX/XX/2024 and I do not have email confirmation of the document uploads nor does the website produce a confirmation number if you manage to submit the documents. 

The customer is unable to access any history of document submission on the Loan Care website so there is no record at all of the documents that have been submitted to Loan Care or any communication about the problems the customer has with their mortgage loan.

In addition, if you manage SOMEHOW to submit documents to the Loan Care website, you can only send one communication per day. That means if you have a tax and an insurance issue, you have to upload the documents to the Loan Care website you have to spend two days doing it and you do not get any email confirmation they have it.

This makes it impossible to communicate with Loan Care to fix critical problems with my loan. This has caused an incorrect {$600.00} increase in my monthly mortgage payment that I do not owe due to Loan Cares error and this problem has been going on now for over two months and

Loan Care has not fixed it. I have a screen shot of the docum
ents I attempted to upload to Loan Care before I pressed the " submit '' button, but I have no ticket numbers for the three submissions I made on the Loan Care website.

Not having any record about the problems I report to Loan Care or upload to the Loan Care website is now a violation of Deceptive Trade Practices Act ( DTPA ). Not fixing the incorrect loan balance and monthly mortgage payment on all three of my credit reports is a violation of the Fair Credit Reporting Act ( FCRA ).

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 2023-12-11
Company: MOHELA
State: WI
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:
I have signed up for auto debit. My auto debit was approved ( see attachment ). On XX/XX/21 I received notification that my payment was late because my auto debit was never processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my Ally bank in late XXXX. Ally has locked my bank since XX/XX/XXXX, since I tried using XXXX. The agent I first spoke to said it was probably because I have a new account I'm like ok no big deal it will be fixed, it ends up being worse. The first agent claims she can't help me and to wait and restricted my withdrawals. I then called again to speak to a different agent to see if someone else can help, instead, I get met with an absolutely rude and sarcastic guy that went by the name '' XXXX '' from what he told me his name was. He then starts pestering me with a bunch of irrelevant weird questions on why i chose to use Ally Bank XXXX XXXX, like that's a problem, its a bank.I have the RIGHT to use any bank and the features they have all that I WANT. HE then, started asking me questions about who sent me money, and where are they from, and it was just so bizarre and weird because that's not the topic of why I called. He then told me that It seemed like another device accessed my account which ( was my XXXX ) then he proceeded to have this sarcastic voice on and tells me " well we cant close your account the review is going to take 3-5 days. '' Because I told them I want my account closed. This experience has been the actual worst. I call today for an update, and this agent asks me if anyone told me to make an AlLy bank. Like what? NO! These people are treating me like I am XXXX XXXX or something! I also tell her why cant my account be unlocked..? The agent last week said it would take 3-5 days ''. She tells me " I don't know why someone told you that, we cant give you an estimate. '' No bank has ever been this messed up and not true to their word. I have money tied up in here.! Ally 's customer service has been so terrible, and disgusting, agents are sarcastic and weird, and make you seem like you're being questioned by the police. What a joke.

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: Diversified Adjustment Service, Inc.
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to file a complaint regarding the violation of my privacy rights by the third-party collection agency Diversified Adjustment Services . 

I previously opted out and revoked authorization for XXXX to share my personal information with third parties. Despite this, it appears Diversified Adjustment Services has obtained my protected personal information including Social Security Number, date of birth, name, and address from XXXX and used it without my consent to generate a consumer report. There is a collection account listed on my credit consumer credit report in the amount of {$870.00} listing XXXX XXXX as the original creditor.

I have never had any relationship or transactions with Diversified Adjustment Services. Under the Fair Credit Reporting Act 15 U.S.C. 1681b, consumer reports may only be prepared for specific permissible purposes, none of which apply in my case.

By procuring my personal information without authorization and generating a consumer report without my written consent Diversified Adjustment Services appears to be in violation of : - FCRA Section 1681b - impermissible purpose - FCRA Section 1681e ( a ) - failure to maintain reasonable procedures - 15 U.S.C. 6802 ( a ) - disclosure of private information without consent 18 U.S.C. 1028 ( a ) - unlawful transfer of identification document 18 USC 894- conspired to extort money unlawfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation