BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: EdFinancial Services
State: DE
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:
Im currently still in school, therefore my loans arent yet due. However, trying to keep the unsubsidized loans from accruing too much interest Ive been trying to make payments each month. So I make a payment in XXXX for {$200.00}, with {$100.00} each going to my 2 unsubsidized loans with the highest balances and interest rates. I get a confirmation and I think everything is fine per usual. Only to find out nearly a month later that only {$100.00} went thru ( not to mention something strange went on with the interest/principal ). I call EDFinancial and am told that I was refunded the other {$100.00}, & theyre not sure why. Only thing is I was never refunded the money. In my bank account the {$200.00} is gone & I have a confirmation number from edfinancial that it did go thru. So wheres my other {$100.00}? And why did the {$100.00} that did go thru, not seem to process correctly at all? I ask the rep and she has no explanation or proof that there was evidence of a refund. She asks for a moment to check on things then immediate comes back asking me if Id like a refund on the amount, or if shed like me to have her reprocess it back to the loan it was supposed to go to. I ask her for a refund, and for a confirmation number or some kind of proof of actually get itshe still suggest there is none and tells me to simply wait while it processesso here I am trusting EDFinancial, who I already have had several XXXX dollars mess ups with, all of which was have been there fault, at the expense of adding thousands to my debt. 

First, in XXXX EDFinancial switches websites, and upon switching websites ; they conveniently add loans that I had already paid off back to my balance, as if I had never paid them at all. I call them for this and the man assures me this would be corrected. This added approximately {$3500.00} to my balance that I had already paid off. 

Next, instead of showing those loans as paid off, they instead remove them altogether ( so as to appear as if I hadnt made any payments ), negatively impacting me for the various programs I could be eligible for. 

If I hadnt been paying attention they would have added who knows how much to my account, and straight up stolen money in paymentsI can only imagine what theyre getting away with for people who dont pay attention as much. WHAT THEY ARE DOING IS HIGHLY ILLEGAL. People dont have time to keep track of this type of stuff and theyre purposely stalling and making mistakes they hope people wont notice, while piling on extra debt. Lawsuit incoming I can assure you.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: MD
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 response to consumer: In progress
Consumer complaint received 2024-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account number on statement postmarked XX/XX/2023 reflects account ending XXXX while both I and XXXX have on file account ending XXXX. As I attempt to settle this account I have received numerous notifications that there is still activity on this account. XXXX does not work to verify account in automated phone system while XXXX does. Bank of America will not grant me access to online portal. Very fishy.

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: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/XXXX I opened a checking account online with US Bank. I was asked to deposit {$25.00} and a Debit Card/PIN would be mailed out to me. I received my card and pin and went online to add Direct Deposit through XXXX. I went through the process on USBank.com and XXXX app to ensure all was correct. On Friday XXXX XXXX XXXX XXXX XXXX XXXX I noticed my paycheck was not available nor was it pending. I immediately XXXX XXXX XXXX  sent a message out to a Customer Service banker online and was advised that funds were indeed pending and that I would see them by the end of the day. Saturday XXXX came and no deposit was made, so I started to call the XXXX number to inquire about it. I was disconnected multiple times and told that notes in the account were not visible to the dept i had reached. After 2 hours of trying, I decided to call a branch and they advised that my account was on hold pending address verification. So not only was my check not coming, but it was also sent back to my employer, and it would reflect in about 10days. I let them know that I was told the previous day that it would be available and that if i would have known on a Friday I could have made arrangements for my withdrawals to be delayed but now as it was a wknd this was no longer an option. The Teller took my information and said she would put a request in to call me " first thing '' Monday XXXX  to the Branch Manager. It is now XXXX on Monday and i have received nothing... i reached out the Customer service and apparently my account has had a hold since Day 1 yet I have no Email/Mail/Text absolutely nothing indicating this. I have spoken to 2 reps since Day 1 and this was never mentioned... .in fact my first bank statement is available, and this too shows nothing.

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 2024-01-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am a 100 % service connected Veteran, and in the state of FL this makes my property tax exempt. I have confirmation of NewRez receiving my tax exemption on XX/XX/XXXX and again on XX/XX/XXXX. They still continue to collect hundreds of dollars every month that I do not owe. On XX/XX/XXXX XXXX XXXX with NewRez told me that if I get her my XXXX tax notice with the non-ad Valorem taxes she would work with the tax department to correct it. I instead got a bill showing my mortgage going up. I called again yesterday and today. No one is willing to correct it. XXXX XXXX who identified as a supervisor in the tax department started threatening me as soon as he got on the line. They are mismanaging my VA loan and illegally charging me more than what I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was called by a Wells Fargo fraud department phone number stating my account was showing rejecting a potential fraudulent withdrawal. They asked if it was me. I said no i didnt try to withdraw money. They said theyd text me a verification code which i confirmed. They did it one more time. I verified. They hung up. I called the bank back and they said they had no record of the call but mentioned a call into an automated system to increase my withdrawal limit. I told the bank this was NOT me. They asked if i wanted to not allow permissions to the automated systems which i said absolutely remove that. They asked if i had my card which i did. They asked if i withdrew XXXX today from an ATM and i did not. They entered a claim which came back as not covered and they accused me of withdrawing the money or allowing someone else to. Im severely disappointed in their lack of security for my money and willingness to protect it when its in jeopardy.

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 2024-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling XXXX because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from 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 2024-02-02
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lack of Verification : ** Despite my request Credit Control LLC has failed to provide substantive evidence validating the authenticity of the alleged debt. This lack of verification is a direct violation of my rights under the FDCPA. 2. **False or Misleading Representations : ** Credit Control LLC has made misleading statements and threats regarding potential legal actions and negative credit reporting. These actions violate the FDCPA 's provisions against false or deceptive representations. I Never lived or been associated with the address that was provided I am a victim of identity theft Also Ive been with XXXX XXXX XXXX  these past few years

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: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lack of Verification : ** Despite my request Credit Control LLC has failed to provide substantive evidence validating the authenticity of the alleged debt. This lack of verification is a direct violation of my rights under the FDCPA. 

2. **False or Misleading Representations : ** Credit Control LLC has made misleading statements and threats regarding potential legal actions and negative credit reporting. These actions violate the FDCPA 's provisions against false or deceptive representations. I Never lived or been associated with the address that was provided I am a victim of identity theft

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: Experian Information Solutions Inc.
State: IL
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I receive notice regarding a loan that my parents had prior to their death which I paid off however the bank is unable to find a record for that. 

Although Bank of America actually took me to court and lost in the judicial decision but at the time if you see the court records I put up the exact amount of the loan which was never repaid to me. 

Bank of America made two attempts one at the XXXX XXXX located in XXXX XXXX XXXX and unfortunately the power went off. 

The second attempt to remit the payment part of the judicial decision and that the loan could not go against my property at XXXX XXXX XXXX was attempted at the Bank of America located on XXXX in 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 2023-12-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute certain information in my credit file that I believe is incorrect. This request is made under the Fair Credit Reporting Act ( 15 USC 1681 ). 

The following information currently listed on my credit report is incorrect and I request that it be corrected as soon as possible : Incorrect Addresses : 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 Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Incorrect Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct my phone number to : XXXX 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX My correct name is XXXX XXXX. 
Additionally, please delete all information in the employer section as I am currently not employed. 

I appreciate your prompt attention to this matter. According to the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. 

Thank you for your assistance in resolving these inaccuracies. 

Sincerely, 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 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
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 XXXX 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

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: U.S. BANCORP
State: KS
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:
First off, this company 's dispute office is incompetent, and gives zero effort towards their cardholders, or their job in general. 

XX/XX/XXXX ordered a {$100.00} hoodie from a website ( XXXX XXXX XXXX ) I saw on a XXXX ad... yep, that's my bad. They advertised fast and free shipping. 

XX/XX/XXXX - XX/XX/XXXX Never received order update saying it was shipped, never received tracking number. Tried 4 different times to contact XXXX XXXX, the only way to contact them is through email, so I did that. Only ever received the same automated generic response that was completely unhelpful. 

XX/XX/XXXX Tried to dispute charge online, couldn't, had to call them and be put on hold at work. Finally got ahold of u.s. bank person to dispute, gave him in depth detail of product, order #, how I never received an item, and that after many attempts, I couldn't get ahold of the merchant, other than an automated email. 

XX/XX/XXXX I got a letter from u.s. bank that included a generic email from the merchant, it didn't say anything about them having issues and apologizing, it didn't include a tracking number, proof they shipped anything, or proof that they canceled the order, it just had my info on it, and the same description of the hoody I first gave to u.s. bank. Got online and I noticed u.s. bank credit card charged me back the full charge of the hoody, I called them asking how, they said I'd have to wait until their dispute investigation office gets ahold of me, meanwhile I reiterated my story to them. I even added how that company just recently went in and changed the order to show canceled 2 months ago. 

XX/XX/XXXX Investigation team finally calls me, rude lady says there's nothing they can do, she claims the merchants rebuttle, that had 0 proof of anything mind you, was good enough. When I told her how silly that was, she changed her story to blame me. She claimed that I needed to have written them a letter that said what I was trying to purchase, apparently the first person who took my dispute only put in hoody, which she claims it needed to be more descriptive. 

They dropped the ball, I lose {$100.00}, U.S. Bank loses a customer, and the scam merchant XXXX XXXX XXXX profits.

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 2024-01-29
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX, I opened a US Bank Business Checking " Silver '' account. I did so because I was seeking a new business checking account, and because US Bank was running an attractive promotion for business checking accounts at the time.

To fulfill the requirements of the promotion, I deposited {$15000.00} into the account on XXXX, and withdrew the {$15000.00} from the account on XXXX. ( As a result, in accordance with the terms of the promotion, I made " new deposit ( s ) of at least {$15000.00} in new money deposits ( Direct Deposits, ATM/Branch Deposits, Mobile Check Deposit, ACH or Wires ) within 30 days of account opening and thereafter maintain a balance of at least {$15000.00} until the XXXX day after account opening. '' To this day, my account has remained open and with a positive balance. 

To date, US Bank has not deposited the {$750.00} promotion into my account, despite me fulfilling all of the terms listed in their promotion at the time. 

I have reached out to US Bank customer service on several occasions via phone ( I do not recall the exact dates of these calls ), and they told me that I didn't include the promotional code in my application. However, I have a screenshot of my application that I took during the time of my application showing the code ( " XXXX '' ) applied and entered into the appropriate field. I have not heard back from customer service since sending this information over to their customer service email, as per their request. 

On XXXX, I contacted the closest US Bank branch via phone and explained the situation. I forwarded the aforementioned screenshot via email ( as per their request ) and waited to hear back. 

I followed up with the closest US Bank branch via email on XXXX. I received a reply, saying in part " [ management is ] actively looking into this. Since it is an expired promotion, it is taking some time to get results. '' I followed up once more with the same branch via email on XXXX, and have yet to hear back. 

I possess the screenshot of the promotional code applied to my application ; the terms of the " XXXX '' promotion that state the promotion being valid through XXXX ; and the email correspondance pertaining to my communication with the branch thus far. I am willing and able to provide these documents if needed.

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