BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: SC
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:
While visiting XXXX on vacation, my phone was stolen on the XXXX  of XX/XX/XXXX. After stealing my phone, the perpetrator was able to gain access to all of my online accounts and drained my checking account, made purchases through multiple apps, and did a {$4000.00} cash advance using my Wells Fargo Visa XXXX XXXX card. On XX/XX/XXXX before leaving XXXX XXXX XXXX home, I had to purchase a used phone and then was able to see all of the damage done. On XX/XX/XXXX after a lot of back and forth with Wells Fargo, they concluded that the claim was valid and made the funds returned to me final in the amount of {$6600.00}. The credit claim of the {$4000.00} cash advance, which is part of the same incident, has still not been resolved however. The departments are separate and that has made this process extremely difficult and time consuming. I have spoken with them multiple times and the claim was not even in their system properly as showing that my phone had been stolen even though they were made aware repeatedly and I have had to fax documents multiple times as well. The said the claim was closed and then it was suppose to have been reopened for review but this never happened either. I have been given multiple case numbers, but the most recent was case number : XXXX. I spoke with someone named XXXX on XX/XX/XXXX who said to fax the documents again to the attention of the online fraud leadership team, which I have done, but I don't have faith it will make a difference and I need help getting this resolved. Also, I reported the incident to the XXXX XXXX at the time it happened and the case number is : XXXX. I have attached the documents that the debit fraud team asked me to send to resolve the claim, which was proof that I had to purchase a new phone while in XXXX. I've also attached the letter from Wells Fargo that the debit fraud claim was approved and reimbursed. Also to note, the nature of the transactions on my account at the time is what helped prove the fraud, as there were multiple attempts at cash withdrawls at the time and the types of transactions were clearly fraud.

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 2024-02-01
Company: Starmark Financial LLC
State: HI
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:
I believe my information was leaked, and perhaps sold on the dark web. Someone has used my name, and social security number to take out a loan. It is said that I owed {$4400.00} as of XX/XX/year>. I have never heard of XXXX XXXX XXXX XXXX. I believe Im a victim of fraud here, never in my life have I ever taken out a loan.

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 2024-01-02
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted a XXXX  application in XX/XX/XXXX, I was told that I forgot to sign a page and need to submit that page. submitted page, never herard anything. I called several times and have waited more than XXXX hours to speak to someone and the disconnect the line. I recently logged into my account to see that I have a past due balance, when I was in forbearance till XX/XX/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 2024-01-25
Company: AmeriHome Mortgage Company, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
CFPB : My mortgage is serviced by AmeriHome Mortgage Company LLC. My taxes and insurance are paid by AmeriHome through an escrow account. AmeriHome has not paid my City of XXXX ( Kentucky ) taxes, which were due on XX/XX/XXXX. I have called numerous times and each time they tell me that they will pay it. To date, it has still not been paid. I have checked with the City on this and they have not recieved anything from Amerihome. My last phone conversation with AmeriHome was today and it made me me realize that they have not been proactive on this issue at all. The last payment they attempted to the City was rejected. To my knowledge, they did nothing to investigate why the check was not accepted and never contacted me to let me know. Had I not received ( yet another ) delinquent tax notice from the City, I might have let this go on even longer without realizing my taxes have not been paid. It is incredibly frustrating to rely on such an incompetent company to pay my taxes. I spent an hour on the phone this morning with them, which is an hour I have to take away from my own workday. Additionally, they are transferring my mortgage to a new company, XXXX XXXX, and I got the feeling that they do not care about my tax issue since I will no longer be their account come XX/XX/XXXX. Lastly, I did tell them that I'm filing this Complaint.

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: Experian Information Solutions Inc.
State: MO
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:
Experian closed this complaint seconds after another complaint without addressing the issue but giving computer generated responses. This fraudulent company gets rich from stealing people 's payment history AS REQUESTED FORWARDED TO THE F.T.C AND D.O.J.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX Consumer Complaint I have the following complaint with Bank of America : 1. On XX/XX/XXXX, I wired {$2000.00} to a Bank of America account of a vendor I have wired funds to before and subsequently.

2. Bank of America rejected the wire and returned it with the reason that the address was incorrect. 
3. Bank of America returned the funds and deducted {$45.00}. 
4. Bank of America subsequently accepted a wire to that account from my same sending account at XXXX with the same instructions. 
5. The sending instructions at XXXX are registered on my account and were not changed. 
6. I called Bank of America and they said charges on returned wires are not refundable even if their error. 

I think this is completely unfair and inappropriate. When a banking institution makes an error with a non-customer, they should return a fee they have taken. I suspect this situation occurs many thousands of times a year and is a source of significant loss to consumers. 

Details are below. 

I ask the XXXX to investigate this on my behalf, and ask Bank of America to return the {$45.00} fee to me and all similarly situated banking consumers. 

Kind Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire Data Bank account data showing sent wire and wire received less {$45.00}. 

XX/XX/XXXX Incoming Wire Transfer WIRE FROM BANK OF AMERICA {$1900.00} XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to Seart - {$2000.00} Bank account data showing subsequent wire sent to same address and accepted. 

XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX - {$6600.00} - {$6600.00} Wire instructions to vendor from my XXXX account BANK OF AMERICA N.A. 
US Send to this Account Account Currency US Dollar ( USD ) Account Number XXXX Routing ( ABA ) Number XXXX Wire instructions from vendor Bank of America XXXX : XXXX XXXX XXXX XXXX Account : XXXX Routing number : XXXX ( for wire transfer )

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 2024-01-02
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After numerous failed attempts to rectify my issues with Mohela, I am completely frustrated.I have submitted information and documentation in regards to my loans. Yet I was informed that a forbearnace would be needed due to back log. That request has not been completed and I keep recieving bills despite I should not. No updates have been given after calls by myself to check status but the same rhetorical statements. This has placed me in a horrible situation ( credit reporting which is unfair ) that I would like to be rectified. Mohela calls range from ( 2-3 hr hold times ) with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-12
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:
I am aware that, despite customers providing precise information, your responses to numerous disputes, complaints, and challenges have been using pre-written standard form letters. I understand that this practice is unlawful because each customer complaint should be individually considered and addressed accordingly. 

My letters have been created using readily available software accessible to everyone. Choosing not to process or address my letters would violate 15 U.S. Code 1681i. Delays in processing consumer letters based on the assumption that third-party assistance may be available are illegal and do not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my full knowledge and consent. Failure to respond to my correspondence promptly will be interpreted as a willful disregard for my customer rights, and I will be compelled to involve my lawyer and pursue legal action. 

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the accepted Metro 2 data field reporting standard, I have the right to dispute any information on my credit report that I believe to be inaccurate. It is crucial that all data in a consumer 's file is properly documented and validated before being made available for use by creditors. Therefore, I take this matter seriously. 

The allegations of delinquency and derogatory information against me are entirely false, and I am unwilling to accept any misinformation associated with my name and financial history. I am determined to fight back vigorously. The accuracy of your credit report is paramount. The listed allegations fail to meet federal or state reporting requirements and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would instill greater confidence in the accuracy of the information presented. 

It is your responsibility to maintain and report data with complete accuracy and compliance. Reporting claims that you know do not meet regulatory requirements is unacceptable. We must ensure that all claims are accurate and reported in the appropriate format mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with the utmost care and diligence. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX XXXX XXXX Charge-off {$4200.00} XXXXXXXX XXXX XXXX Charge-off {$5100.00}

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 2024-01-11
Company: U.S. BANCORP
State: MD
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 - XX/XX/2023 - {$290.00} Based on : 15 U.S. 1666b - Timing of payments AND 15 U.S. 1681a - Definitions - 2. Exclusions ( A ) i. 
It is my understanding that this information should not be shared publicly.

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 2024-01-23
Company: Atlanticus Services Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subject : Cease and Desist Communication and Removal of Unauthorized Account from Credit Report Dear TBOMXXXX/FORTIVA, I am writing to express my utmost concern and disappointment regarding your recent actions in relation to my account. I have discovered that you, as a debt collector, have accessed my non-personal information without my consent. This not only constitutes a serious breach of privacy but also raises the alarming possibility of identity fraud. 

I want to bring to your attention that I am not obligated to pay the debt you are pursuing, as I have already made the necessary payments. Your attempt to coerce me into making additional payments is not only unfounded but also an egregious violation of my rights as a consumer. 

Furthermore, I have noticed that TBOM/XXXX/FORTIVA has added an account to my credit report without my authorization. I would like to emphasize that even in the case of permissible purpose, the consent of the consumer is still required. I explicitly do not give my consent, and therefore, TBOM/XXXXFORTIVA should be immediately removed from my credit report to rectify this invasion of my privacy. 

In accordance with Texas-specific laws, including but not limited to the Texas Finance Code 392.202, I demand that you cease and desist all communication with me. Your unauthorized access to my personal information and the subsequent attempts to collect a debt I do not owe are clear violations of my rights.

Moreover, your actions may also be in violation of federal laws, such as the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that you provide documentation supporting your claim and explain the basis for the unauthorized entry on my credit report. Failure to comply with these demands within [ a reasonable time frame, e.g., 30 days ] will leave me with no choice but to pursue legal action against TBOM/XXXX/FORTIVA. 

I strongly advise you to rectify this situation promptly by ceasing all communication and removing any unauthorized entries from my credit report. I expect your immediate attention to this matter to avoid further legal action. 

Sincerely, 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 2024-01-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE
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 purchased a home from in XXXX of 2023 through a lender named XXXXXXXX XXXX. However, my Mortgage was sold to Lakeview Mortgage. Apparently, through this process, my information was compromised from a data breach. The company mailed out a letter entailing the incident. Therefore, when I noticed a significant drop on my credited rating, I contacted the mortgage company ( Lakeview Loan Service ). Lakeview loan Services refused to help me resolve my issue. I was transferred to several different operators who refused to address the data breach issues. I demand to speak to a supervisor all they did was give me the run around. No one in their administration office or management contacted about this data breach.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check from the North Carolina lottery on XX/XX/year> for XXXX. The bank sent me a email stating the had info the check would be returned. It was from the XXXX  XXXX  i would like to know how the had info it would be returned and why. And they failed to credit my account with the required max amount of XXXX while the check is on hold. I have had this bank acct for over 20 yrs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
On XXXX XXXX XXXX XXXX XXXX XXXX  I went to Bank of America located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
I walked into the bank to make a withdrawal since I received XXXX deposits : a paycheck and a XXXX XXXX refund. When I walked up to the teller, I asked to take off XXXX. First the teller asked me to verify my identity three ways, through Identification, the last four digits of my social, and through the phone. 
After I identified myself successfully he then proceeded to call his XXXX over, XXXX. She asked me to verify my identity again, after that she went to the back to get an I.D maker to check and see if my I.D was real. Once my I.D proved to be real she began to humiliate me even more in a bank full of people with the line out of the door. She states she's not familiar with my XXXX institution, or my place of employment. I was not allowed to get money out of my account, accused of fraud and humiliated. 
I called the bank immediately after leaving, and they hung up the phone. I then called Bank of Americas customer service immediately after.

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: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report, and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I did not permit I C SYSTEM and XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is only to be revealed with the patient 's authorization, therefore my request is twofold, and as follows. 
Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until I have validated the debt Please send this information to my mailing address listed above and accept this letter as a formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, reporting this debt to the credit bureaus before allowing me to validate if it may be a violation of the Fair Credit Reporting Act, can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days to respond to this request, or this debt will be considered invalid and removal from the credit bureau 's expected or damages will be sought after. 
All accounts in dispute are listed below. 

I C SYSTEM ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX ( Reported : XX/XX/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 2024-02-06
Company: Experian Information Solutions Inc.
State: MO
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:
Another lie from this predatory company and as usual experian address nothing resolved nothing AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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