BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed my credit card balance kept going up even when I wasnt using it and its because I have been getting charged a fee from " XXXX XXXX '' on Macys Credit card in which I never approved. I called " XXXX XXXX '' this morning, XX/XX/24, and was able to cancel it but I want to be refunded for the thousands of dollars they have charged my account without my knowledge. I was told they have to review my charges and see if I was eligible for a refund. When I asked what the eligibility requirements were to get approved, XXXX from XXXX XXXX was unable to give me an answer and told me someone would call me back in 5-7 business days to give me that answer.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 
ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian ) - Inquiries - personal name reported as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2024-01-31
Company: Velocity Portfolio Group
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Velocity LLC purchased a debt and did not properly notify me of the debt. I never received a debt validation letter, phone call, mail, or email in regard to the alleged debt owed. Velocity LLC then hired XXXX XXXX XXXXXXXX XXXX and field a lawsuit against me, without ever notifying me of the debt owed, the amount, or who they purchased the debt from. After having to research MYSELF who the original creditor was, I found that Velocity LLC violated the arbitration agreement that states we BOTH waive our rights to court proceedings and ANY DISPUTE would be handled privately in arbitration. I was never notified that I had the right as a consumer to dispute the debt before having a lawsuit against 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 2024-01-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
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:
XXXX XXXX XXXX has an account in my name. The account number is XXXX. This account is fraudulent and was not opened by me. Please have this account removed off of my credit report immediately. 

Fair Collections and Out ( XXXX XXXX ) has fraudulent account opened in my name as well. The account number is XXXX. Please have this account removed off of my credit report immediately.

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 2024-01-11
Company: MOHELA
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This number has been leaving messages that include the line, this is an attempt to collect a debt, which I thought was not allowed. 
It is potentially disclosing a debt to a third party. 

Please Advise. 

XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: RoundPoint Mortgage Servicing LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
RoundPoint mortage added extra insurance to my account unnecessarily. I never lapsed coverage and did not need any extra coverage. They did this and are now trying raise my mortgage by almost {$400.00}. I dont need two insurers on my home.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I went to withdraw money from Bank Of America using a Bank of america state edd issued card and it gave an error message didnt dispense the money but subtracted the amount from my account I have trid to resolve the claim with Bank of America and they keep denting my claim and refusing to give me my money back

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 2023-12-14
Company: Experian Information Solutions Inc.
State: MO
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:
Principals rights were violated by XXXX XXXX XXXX in conjunction with Experian, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/2023 for amount {$19000.00}.

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: SYNCHRONY FINANCIAL
State: IL
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:
XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.

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: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I transferred the sum of XXXX XXXXXXXX from my XXXX bank account to transfer wise with the intention of moving that money to my comm bank business account! Wise transaction number XXXX XXXX imputed the correct bsb but I entered my personal comm bank account instead of my business this happened on XX/XX/year> Wise referred me to comm bank and commbank referred me back to wise. Wise told me the transaction had been complete and theyd reached out to commbank several times to initiate a recall. On XX/XX/year> wise told me You informed us that you've entered incorrect bank details for your recipient. Despite our attempts to initiate a fund recall, it was unsuccessful. The receiving bank confirmed their inability to reach the recipient for a response. Unfortunately, there is limited action we can take from our end, as submitting another recall request is likely to yield the same result. In this case, we advise you to reach out to the recipient bank to dispute and get them to response to Wise 's recall messages. In case if we have a response, we will reach you out.

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: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For the month of XXXX I was charged a late fee. The reason my payment was late is I never received a paper statement and the fact that my dad was in the hospital for XXXX XXXX. I explained this reason and was told I signed up for paperless billing, which I did not. They werent compassionate when I told them my reason why. The refused to help me and would not remove the late fee. I filled complaints also with XXXX  on Care Credit, no response.

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 2024-01-25
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage was being serviced by Roundpoint Mortgage. 
-On XX/XX/XXXX I went to settlement on my home and Roundpoint was paid in full. 
-On XX/XX/XXXX they mailed me a lien release and satisfaction of the loan which I received. This was mailed to the home I sold in Maryland but was forwarded to me on XX/XX/XXXX as I changed my forwarding address with USPS. 
-On XX/XX/XXXX, according to the loan website, they mailed my escrow refund check which is {$3400.00}. This was also mailed to the home I sold and I awaited that to be forwarded. Again, it was mailed 8 days after the satisfaction letter so I did expect it the following week. 
-On or around XX/XX/XXXX I called Roundpoint to let them know I had not received the check. They said that I needed to wait 30 days before they would stop payment on the check. They did change my address at that time in their system. 
-On XX/XX/XXXX I called Roundpoint again and they said they stopped payment on the check and would immediately re-issue the new escrow refund to the new address on file. 
-On XX/XX/XXXX I received my 1098 from Roundpoint that was mailed out on XX/XX/XXXX according to their website, to my new address. 
-On or around XX/XX/XXXX I got on my Roundpoint loan website but saw no changes to the account and no check issued. I immediately called Roundpoint again as I still have not received the escrow refund check. They confirmed there was a stop payment on the original escrow refund check mailed XX/XX/XXXX but a new check had NOT been issued. A REPLACEMENT CHECK HAD NOT BEEN ISSUED! They stated they would issue it right away and gave me a check number. 
-On XX/XX/XXXX I returned to the Roundpoint loan website and still do NOT see that an escrow refund check has been issued. 
It has now been XXXX days since I went to settlement on my house and I do not have my escrow refund of {$3400.00}. There is no date or information on my Roundpoint loan website that indicates a new check was issued either. They are playing some sort of game with my money and I need help!!!!

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: SYNCHRONY FINANCIAL
State: CA
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:
Twice now Venmo has attempted to withdrawal XXXX payment which I did not authorize. From my credit union account. 
They said payment was made on app. But it wasnt! And I was charged XXXX dollar overdraft.

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: Atlanticus Services Corporation
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I suddenly became unemployed. No income. I called the company advised them. Was at first nice a s helped push back due dates. I called XXXX to resolve the. Debt and was told my card was permanently closed. I looked threw ALL emails and fortivas website messages as well as paper m ail. Never did. I receive any correspondence saying if I didn't make a payment or bring the account current that they were going to close my account. I spoke to somebody on the XXXX XXXX XXXX  and I said I want to see the Terms & Conditions that I sign. And he sent me a generic credit card. 
Terms and conditions. I called again today to see you. If we could come to a resolution where my car wouldn't be closed. I would pay the full balance and they said no. They were rude and I believe this company was a scam. Add this card for all about a year. Never missed a payment never was late. I believe when I was late. It was like do it midnight. And I think I made the payment. It like XXXX XXXX  I asked to speak to somebody that can help me. We can come to a resolution and I would pay the balance off in full that day. I don't feel I was treated the way a company or anybody should treat other people. 
Hard ships happen to everybody. I didn't wan na be one of the people that. Oh, my credit cards close forget it. I won't pay it or the user credit card never paid that it was nevermind intention and they did not want to help in anyway at all again. I looked through all correspondence from this company when was never told if I don't make a payment by x amount date. Your card will be closed. This company is a scam. 
Add 3 other credit cards. And all three companies worked with me because of the hardship at the time. When I became unemployed because XXXX XXXX XXXX I called I spoke with somebody and they said. Don't worry, we'll work with you until you get back on your feet. 
They never called me back. So I assumed they put like the credit protection or pause on my account. Fill that I was able to get back on my feet and then bring the account current. 
I've tried to talk to several people at the company to come to a resolution. And they did not wan na work with me at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was opened on XX/XX/2023 by Credit Collection Servic ( XXXX, MA ) claiming I owe {$150.00} due to past business with XXXX XXXXXXXX XXXX I have never done business with XXXX XXXXXXXX XXXX This account was associated with a Florida address that has never been mine. There is also a variation of my name with a different middle name on my credit report ( I have never gone by this different name ). Credit Collection Services has never contacted me in any form, however upon seeing this fraudulent account on my credit report, I sent a dispute letter to Credit Collection Services and I called them, during which they were not able to find the account. I have disputed this fraudulent account information with all of the credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Purchase made XX/XX/XXXX at Value City XXXX financed through Synchrony Bank ( SB ). Terms were 36 equal monthly payments of {$180.00} with no interest if paid in full by XX/XX/XXXX. Payments made each and every month well before the due dates. SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows XX/XX/XXXX payment ( due XX/XX/XXXX ) and XX/XX/XXXX payment ( due XX/XX/XXXX ). SB statement closing date XX/XX/XXXX shows no payment for the one due XX/XX/XXXX because it already showed on SB closing date XX/XX/XXXX. SB imposed late fee of {$30.00} and showed two payments due. My letter to SB dated XX/XX/XXXX protested the late fee because my payment was not late. SB form letter in response simply explained that fees that may be assessed appeared on the back of each statement. SB statement closing date XX/XX/XXXX shows payments made XX/XX/XXXX ( due XX/XX/XXXX ) and duplicate payment made XX/XX/XXXX. ( I had adjusted automatic payments to SB for this account so that they would not be posted on the closing date and inadvertently sent the duplicate payment. ) This statement also shows an additional late fee of {$41.00} plus {$2.00} interest on " 'purchases '' -- no additional purchases have been made. My letter to SB dated XX/XX/XXXX again protested the imposition of the late fee and noted that I had not received a response to my XX/XX/XXXX letter. SB then sent a letter on XX/XX/XXXX stating that " after review '' the {$30.00} late fee would be credited to my account. SB statement closing date XX/XX/XXXX shows the late fee being credited on XX/XX/XXXX and payment made XX/XX/XXXX ( due XX/XX/XXXX ). It also imposed a new late fee of {$41.00} plus {$2.00} interest on purchases -- no additional purchases have been made. SB statement closing date XX/XX/XXXX shows payment made XX/XX/XXXX ( due XX/XX/XXXX ) a refund of a late fee of {$41.00} plus a new late fee of {$41.00} and interest on purchases of {$2.00} -- no additional purchases have been made. We have received nearly daily automatic text messages and emails about our account being past due. The payments have regularly been made in advance of the due date. I believe SB 's practices are inappropriate and the imposition of late fees and interest has been unwarranted. I have not been able to resolve this dispute.

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 2024-01-24
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Case XXXX last attempted to be addressed XX/XX/23 My checking accounts were all closed suddenly due to concerns about fraud when I fell for a scam and my account password was compromised. The scammers attempted to deposit and subsequently withdraw fake checks multiple times ( all in the same amount, remotely ). 

I understand closing the account for fraud concerns. I dont understand being prohibited from opening another checking account with them ever again. I have continued to make payments on my Line of Credit and credit card that is still active with them, which are much more difficult to use and/or pay without the ease of transferring funds instantly to and from a Wells Fargo account via the mobile app or online. I have to draw from my Line of Credit via a XXXX minute process inside a physical branch location each time in order to transfer to an outside bank. 

Im writing primarily to complain about the sudden account closures with no ability to appeal the closure and/or open a new checking account ever again.

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: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To whom it may concern, this complain is related to the first complained i have filed with BMO bank, i was notified that the investigation was done & completed but only one of my complain was resolved ( MY dispute with XXXX charge ) NOT the ( XXXXXXXX XXXX ) that i have also filed which is the a missing refund coming from the merchant ( XXXXXXXX XXXX ) i will attached all proof below that there is a refund indeed made to my account which is a screenshot but for some reason BMO bank failed to explain/disclosed where & why all this info about the refund from XXXX was not showing anymore on my bank statement even the authorization that was originaly showing to my account which is a proof of refund that is being process, i also would like to complain that due to the incorrect Hold 's being done by BMO to my money for 3 month 's since XXXX for this case # XXXX, they charge me {$15.00} & {$3.00} fees on XXXX for being overdrawn while they were investigating my complain on the ( XXXX ) they Don't want to fix/waived due to there mistake Not releasing my FUNDS & reason why my acct was on a negative, they also lock our ( XXXX ) after i filed a complain without us notifying ( owner ) that is why we can not transfer the money we have been waiting for month, until my husband complain to the branch and notify them that it is illegal for them to Lock our acct w/out any Notice .Pls help and assist us with this Unfair service being done by the bank and help us resolved this issue that we have been dealing for Month 's now since 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