BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Merrill lynch accepted my deposit but will not return my funds and they did not send the check back because it was already cashed I have paid the other party back last year because it was a mixup somehow that has nothing to do with Merrill lynch the check was cashed with Merrill lynch and XXXX paid them .the check was rejected from the other party and not accepted because they were not supposed to try n deposit it anyway but that situation has already been handled and they have their funds but I dont I have not received anything from my check that Merrill lynch cashed n Im not stopping until I receive my funds they just disbursed them again and now I see Im going to have to get a lawyer and file a lawsuit the check was with Merrill lynch first not the other party and Im also suing the other party as well for falsified documents and lies I have a right to change my mind and thats where the discrepancy came in Merrill lynch has my funds and I want them next Im calling the IRS and attorney general my account was not supposed to be discussed with my permission anyway and furthermore the money was their for a month in a half then gone I even tried to put a stop payment but it was too late because Merrill already cashed the check they didnt return anything the other party did fraud not me and I can prove it that is my tax refund money and I want what belongs to me. Its been 13 years with Merrill lynch and my race also is a problem with them Im filing a lawsuit and the check could not have went back or funds either cause XXXX  is not accepting anything due to account closed.

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 2024-02-05
Company: Americas Car-Mart, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked several times for my mothers number to be removed, and I have given my new number : they repeatedly call my mother who is not on the loan. The phone number was never given to them they obtained the number from caller id. My work hours do not work with their operating hours, and they say you can text but refuse to utilize the text service or email. 

I have asked more than 3 times to remove my mothers number, once in person and twice over the phone and now twice through text. they call my mother every single day at least 3 times a day. 

This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or around XX/XX/2023 I filed a debit card dispute against XXXX XXXX XXXX XXXX for the amount of {$1300.00} to navy federal credit union. they promised me that they are investigating the charges. ive been calling for over a week now and they keep giving me different answers telling me things like it has been assigned to someone already and others saying it's still waiting assignment. i would like for them to please go ahead and look into this so i can get my money back from XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnishes an account without my written instructions.

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 2024-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am a Victim of fraud someone stole my card and used it ... I disputed charges and they were denied in letter it said I can request which documents they relied on on making decision

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 2024-01-20
Company: U.S. BANCORP
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
HELOC ending in XXXX U.S. bank stole my money! Without much explanation, they just decided to charge my account {$580.00}, and dont want to refund me. I have spent hours and hours of my time trying to resolve U.S. bank problems and no one even paid me for that time either..

US Bank perceived my homeowners insurance auto-renewal and as a insurance gap and decided to purchase insurance for me for that period of time. On XX/XX/XXXXXXXX XXXX XXXX XXXX my homeowners insurance policy was set to auto-renew, my credit card was on auto-pay, but the card expired and it failed to charge on XX/XX/XXXXXXXX XXXX XXXX got ahold of me and we fixed the issue I gave them a good credit card and my policy was RE-INSTATED by XXXX with coverage from XX/XX/XXXX to XX/XX/XXXX, which is the original coverage period so there was NO gap! Well US Bank still somehow perceived and claimed an insurance gap from XX/XX/XXXX XX/XX/XXXX due to that erroneous cancelation on XX/XX/XXXX, but that policy got RE-INSTATED so there was NO GAP! 
Every time I called US Bank it was a new agent that had no idea about the progress or what was already done on issue. They mailed letters were off topic and not reflecting our prior conversations. I have done everything they have asked for : uploaded both polices in XXXX and around XX/XX/XXXX that showed NO gap to website provided in their letters. They have received that evidence and proof, however, completely failed to respond. From XXXX I have learned that U.S Bank reached out to them and that XXXX confirmed that cancelation was erroneous and there was NO gap, they also provided U.S. Bank proof in email that they wanted. Still, without any feedback, bank charged my account. U.S. Bank does not care about evidence policy documents provided nor XXXX validation. 
This is a scam. There was no gap. U.S. Bank got all the proof they have asked for. I need {$600.00} refunded ASAP.

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: BARCLAYS BANK DELAWARE
State: IL
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:
- XX/XX/XXXX I made a purchase on my Gap Card through paypal in the amount of {$120.00} - XX/XX/XXXX a refund was processed for the total amount ( {$120.00} ) from XXXX through XXXX. 
- XX/XX/XXXX - I called Gap Mastercard to ask why I am still not seeing the refund reflected on my account. I was told that at some point during the time of the purchase and the time of the refund my Gap Mastercard acocunt was transferred from XXXXXXXX XXXX  to Barclays and these transactions will take 30 days to reflect on the account since it was refunded to my XXXX account number. 
- XX/XX/XXXX -I called b/c the amount was still not reflected on my account and was told it takes 90 days NOT 30 day. 
- XX/XX/XXXX - I called and was told they have no idea where the money is. " call XXXXXXXX XXXX  '' and see if they can help. I called XXXX and was told they are not the account holder. I called XXXX and was told the refund was processed ( I have proof of this ) and called Barclays again. They said they will open an " investigation '' and a supervisor will call me back within XXXX hours. 
XX/XX/XXXX - I called Barclays ( the phone number on the back of my card ). There is no record of an investigation, only records of my previous calls and I should try to call Gap Customer Service ( the store!! ). They do have record of the original transaction but not of the refund, " sorry! '' They said no supervisor available but will call me 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 2024-01-29
Company: WELLS FARGO & COMPANY
State: NY
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:
SOMEONE HAS WITHDRAWN {$500.00} FROM MY ACCOUNT AND I FILED A CLAIM TO GET MY MONEY BACK. IT IS FRAUD I DID NOT WITHDRAWL THAT MONEY! WELLS FARGO HAS TOLD ME IT WAS MADE IN ERROR AND SOMEONE I MAY KNOW OR ME MADE THIS TRANSACTION THAT IS FALSE!!! I NEED 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 2024-01-26
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a debt collection notice in the mail with the attempt to collect {>= $1,000,000}. The attempt to collect debt owed to XXXX XXXX. I did not have an account with XXXX this is the result of identity debt.

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: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Had a 1st Mortgage with Wells Fargo and a Line of Credit. My home went into Foreclosure. I tried to modify the Mortgage twice and never got a response. On the Third Modification it was denied, and I appealed and still nothing. I spent hundreds of dollars on Attorneys. In XXXX my mortgage got Sold to XXXX and then to XXXX XXXX. My Home flooded in XXXX and due to conditions and good attorneys my foreclosure got delayed. In XXXX I was able to sell my home and satisfied both Loans. I have contacted Wells Fargo trying to recoup some of my expenses and fees and they don't even have me on their system. I don't know what to do. They miss handled my case and took advantage of my situation in every way possible. Need guidance as to what to do. 
My loan number for the 1st Mtg. XXXX My Loan number for the Line of Credit XXXX My home address was XXXX XXXX XXXX XXXX XXXX, Fl XXXX On the Credit Line when Wells Fargo sell the mortgage to XXXX they started to Force place Insurance when there was Force place Insurance already by Wells Fargo and when Sold XXXX placed XXXX XXXX Insurance as well. Attached is the Pay Off letter showing all the fees which I paid at Closing. 

On the 1st Mortgage side I am attaching all fees which where placed at Closing. Document is from Attorney representing Bank. and they got every penny.

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: Financial Recovery Services, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear FINANCIAL RECOVERY SERVICES INC, I am responding to your contact about collecting a debt that I do not owe to you. You contacted me By mail on XX/XX/year>, and identified the debt as a XXXX XXXX XXXX account as of XXXX in the amount of XXXX. I do not have any responsibility for the debt youre trying to Collect. 
I have never had an account with FINANCIAL RECOVERY SERVICES INC. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all communication with me and with this address, email address and phone number and record That I have dispute having any obligations for this debt. If you stop your collection of this debt and forward or return it to another company please indicate to them that it is being disputed, If you plan to report this debt to a credit bureau or have already done so please also report that the debt is being disputed. 

Thank you for your cooperation Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: Westlake Services, LLC
State: CA
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:
I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : NOWCOM/ WESTLAKE FINANCE Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to 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 explanation
Consumer complaint received 2024-02-02
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Contacted Freedom Mortgage, requested for the XXXX Analysis pertaining the possible shortage. 
1 ) THEY GAVE ME LAST YEAR 'S ( XXXX ) AND I DIDN'T REQUEST FOR THAT! 
2 ) RETURNED THE MESSAGE BACK TO THEM AND DEMANDED THE ESCROW FOR THIS YEAR. 
3 ) THEY SENT ME A " LAYOUT PLAN '' FOR XXXX STARTING XX/XX/XXXX - HOW MUCH MY MORTGAGE WOULD BE BUT WOULDN'T TELL ME WHAT THE SHORTAGE WAS! 
4 ) I REQUESTED THE SHORTAGE. THEY FINALLY TOLD ME IT WAS {$930.00}. I PAID IT IMMEDIATELY. 
5 ) THEY REFUSE TO GIVE ME THE " CORRECTED '' AMOUNT OF THE MORTGAGE - BECAUSE THEY INSIST ON THE " PAYMENT PLAN '' OF {$690.00} A MONTH! ( THAT'S WITHOUT THE ESCROW SHORTAGE PAYMENT ). 
6 ) I SPOKE WITH THE REP OVER THE PHONE AND ORDERED HER TO TELL ME THE AMOUNT BECAUSE I ALREADY PAID THE SHORTAGE! SHE TELLS ME " OH WE DON'T ACCEPT SHORTAGE PAYMENTS, IT'S AUTOMATICALLY 'TACKED ' ON TO YOUR NEW PAYMENT! '' - SHE KEPT ARGUING WITH ME OVER THE PHONE MAKING ME SOUND LIKE I AM " TOTALLY XXXX AND 100 % XXXX ''. 
I HAVE DEALT WITH MORTGAGES - BOTH COMMERCIAL AND RESIDENTIAL FOR OVER 50+ YEARS! 
DO NOT TELL ME I DIDN'T WARN YOU GUYS THAT FREEDOM MORTGAGE ARE 100 % XXXX THEY ARE SCAMMERS! I HAVE PROOF OF SUCH! 
BECAUSE THEY REFUSE TO DISCLOSE WHAT THE 2ND OPTION WAS AFTER YOU PAID THE SHORTAGE! I HAVE REPEATEDLY REQUESTED FOR THAT INFORMATION! 

IN ADDITION, THEY DO NOT MENTION A SINGLE WORD HOW MUCH YOUR MORTGAGE WOULD BE IF YOU PAID THE SHORTAGE -- -> TOTAL OF 5 PAGES OF NOTHING NOTHING BUT ESCROW ( SHORTAGE ) PAYMENT PLAN WOULD BE FOR THE ENTIRE YEAR! AND XXXX ( XXXX ) PAGE OF ANY AMOUNT IF YOU PAID THE SHORTAGE! 

PS : CFPB - I HAVE THE REASON TO BELIEVE THAT THEY ARE INTENTIONALLY " ADJUSTING '' TO FIT THEIR POCKET BOOKS - AKA " XXXX XXXX ''!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: ProCollect, Inc.
State: AK
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Procollect IncXXXX is attempting to collect a debt from me that is not mine. It is a debt that was fraudulently put under my name by my ex husband for an apartment from 27 years ago in XXXX XXXX XXXX 
Procollect is claiming that this charge was for me and was from XXXX XXXX XXXX for {$15000.00}. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX at that time, and I still am. I am attempting to move off this XXXX  and this fraudulent charge is making it difficult for me to get a place to live. I have attempted to dispute this charge with XXXX XXXX XXXX XXXX XXXX Procollect continues to falsely claim that this is my charge from XX/XX/2022. I attempted to call Procollect & spoke with a representative who stated she can't discuss how to further dispute the charge & she then hung up on 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 2024-01-25
Company: U.S. BANCORP
State: ME
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account went into collection with XXXX XXXX. A USB representative informed me that XXXX XXXX was working directly for USB. I settled the account with XXXX XXXX, and provided payment in full on XX/XX/21. Despite my repeated letters, e-mails, phone calls, documentation, proof, and disputes, XXXX refuses to correct the information it is providing to the credit bureau agencies.

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 2024-01-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Subject : Urgent : Credit Limit Reduction Impacting Rent Payment To whom it may concern, I hope this email finds you well. I am writing to express my concern and seek clarification regarding a recent adjustment to my credit limit. I observed that on XX/XX/year>, my credit limit was reduced from {$5900.00} to {$4600.00}. This adjustment is perplexing to me, especially considering that I had just made a payment of {$1900.00} on XX/XX/year>. I assumed that this payment would contribute towards maintaining or even increasing my credit limit, given my consistent effort to manage my credit responsibly and the fact I pay my monthly rent every month. 
What adds to my concern is that the reduction nearly negated the effect of the {$1900.00} payment, which I had planned to utilize for my upcoming rent payment due on XX/XX/year>. As you can see from my monthly statements, I regularly use my credit card to pay my rent. This reduction in my credit limit has now jeopardized my ability to fulfill this obligation as planned. 
Additionally, I would like to inquire if there is any possibility of reconsideration or an expedited review of my account, considering the upcoming rent payment deadline. 

I reached out to the credit card company today XX/XX/year> @ XXXX @ XXXX by phone and they informed me that a letter would come by mail regarding their actions.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
2 collections accounts were added to my Transunion credit score from XXXX XXXX XXXX, one for {$13000.00} and another for {$6700.00}. I have no knowledge of these accounts, of the apartments to which they correspond, or of XXXX. I filed a dispute with Transunion on XX/XX/XXXX which determined the accounts were accurate ( they are not ). I filed a CFPB complaint against XXXX on XX/XX/23 which did nothing. I began communicating with XXXX, requesting information on the accounts ( move-in dates, move-out dates, a list of charges, copy of signed lease, address of the apartment units, account numbers, etc ) and they refused to give me any information until I filed a Transunion dispute, which XXXX had already done. It seems that neither Transunion, nor XXXX XXXX XXXX have been doing their due diligence to resolve these issues and my credit score is suffering in the meantime.

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 2024-01-20
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Please direct Wells Fargo to give me my portion of the XXXX  CFPB {$3.00} XXXX XXXX & the name of the law firm handling the money to send to victims of Wells Fargo Wells Fargo never offered me a Modification I submitted XXXX + modification applications. 
& kept me and my mortgage in default for XXXX  years. 
Wells Fargo has placed my mortgage payments in suspense and corporate accounts where it disappeared.

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