BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
The statute of limitations on my mortgage expired and I previously filed a XXXX XXXX and received a discharge. I have a pending appeal and the servicer just processed an application for mortgage assistance without my authorization. I did not request mortgage assistance as it would reaffirm the debt. This was a deceitful tactic to reaffirm my debt. They felt that if I did not respond I would consent to it when I no longer have no obligation to repay this stale debt of almost 20 Years now.

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: Fidelity National Information Services, Inc. (FNIS)
State: CA
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 am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, ChexSystems, XXXX XXXX XXXX XXXX XXXX XXXX are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.

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: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XXXX XXXX, I tried to activate my card. The activation site did not work on 2 browsers, so I called the number on the back of the card and I think it was finally activated. I then tried to add it to my wallet. Again. online did not work so I called the number on the card. They began asking an unusual number of verifications and then told me to give them my cell phone and proceeded to tell me it was " unauthorized '' I asked why and they told me it did not " meet the criteria ''. I asked what criteria and was told I can't tell you that until you give me another phone number. I asked for a supervisor. I got XXXX, This began all over again. Same process. Told me the number was not authorized. She asked for another phone number and I asked why. Against my better judgement, I gave her my home phone. She said that was unauthorized. This process is very suspect. Why they think my phone number is not good I have no clue. When a supervisor does not explain, this is not acceptable. I told her I wanted to close my account and she told me that she couldn't do it and needed to send some letter. I called back again and asked to close me account and was told no. I needed to verify the account and go through this process that doesn't work. I asked for a supervisor. This supervisor, XXXX, would not close the account and said " wait for the letter if you won't go through the verification process. I asked for her supervisor 's name she said you are at the highest level. I said that she had a supervisor but she refused. This process is convoluted and to not be able to cancel a card within a reasonable period of time makes no sense.

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 2024-01-02
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on the PSLF program. I emailed w2 and had the employee fill out the paperwork, they said payments counted but yet it is not showing as being counted-it says employee not certified. I have called multiple times and emailed, and even call XXXX XXXX XXXX to find out because Mohela kept saying it was their issue not Mohela which is their response to anything. I have faxed over the paperwork several times and they keep returning anything saying its not acceptable or they cant read it. Anything to not make my employment count. None of my payments under the new laws are being counted either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Sent in certified mail on XX/XX/23 I never recieved a return slip Credit Acceptance also disregarded Tila, stating there are are not liable of what dealership has done

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: CITIBANK, N.A.
State: PA
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:
XX/XX/year> spoke with customer service for both checking/savings and credit cards no account in either system was associated woth my social securoty number. Both refused to allow me to speak to a supervisor.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My report obtained on XXXX through XXXX shows account abuse reported by Bank of Americ on XXXX I did not engage in account abuse, the allegation is incorrect. I called XXXX to dispute and was informed their dispute process is determined by the financial institution and if Bank of America interprets account activity as abuse, even if it does so inaccurately, they will continue to leave it on my report. I spoke with many people at Bank of America in various departments such as fraud, recovery and the risc department and they all informed me that they will not accept disputes for information they report to 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 2024-01-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I can not log into my Loan and pay my mortage. None of the sites work on smartphone, Laptop or desktop. I tried using XXXX XXXX and XXXX and nothing. Says error when I enter the code they texted me. When I entered it in correctly, Very frustrating Also they sent me an email saying that I was hacked from the dark web from my account.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company named XXXX, XXXX, XXXX, & XXXX has served me and is suing me for a debt they bought from BOA that is XXXX XXXX XXXX and what I believe is identity theft as I do not recognize the debt. Someone made a mystery payment in XXXX of XXXX  so that they can reopen the case. This appears to be a gross violation of my FDCPA rights as I read them. This company appears to be the ambulance chasers of debt collection. I have found several complaints from the XXXX  and several lawsuits related to shady collection practices. If my only option is to go to court I will, but I would like to sue them for violation of the FDCPA.

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: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Well in my credit report it was telling me that I had to open account so I go to the bank and the bank teller tells me it's because I was left as a beneficiary so I got the certificate after I went back she said she couldn't find the account no more cuz they have a new system and they were just giving me a bunch of problems because the account was from XXXX  and the person who left me is for beneficiary she's not related to me but I knew her since a kid so I don't know who to ask information from

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: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My loan was originally with XXXX XXXX XXXX which has since been acquired by NewRez LLC. 

I unfortunately had a fire at my home which was covered by insurance. A large 6 figure claims check was sent to the consumer ( me ) to start building back my home. NewRez was attached as an additional party.

NewRez states their process is to have the homeowner sign the check and send it to NewRez by which they will, at their discretion, send money to the homeowner for payments. My issue is NewRez REQUIRES an inspection every time money is to be sent to the homeowner, NewRez will then CHARGE THE HOMEOWNER for an inspection that ONLY NEWREZ requires. In the state of Florida, a 4 point inspection is required after any major renovation to be covered by insurance. I'm already paying for a personal inspection, but NewRez WILL charge me for their own inspection. Not even the insurance requires inspections for funds. This is completely immoral and unethical and if NewRez would like to charge an inspection fee to make sure the property meets or exceeds their expectations, it should be the financial responsibility of NewRez.

In addition, there's something unsettling about releasing 100 % of the signed funds to NewRez to be used and given at their discretion. I'd never down ANY of this with ANYONE, EVER, yet this seems to be an acceptable practice for my Lender, whom I pay monthly money to for a home already and who is single handedly preventing access to funds to help me continue paying the mortgage. 

From everyone I've talked to in the industry, this is NOT NORMAL and is behavior that should be reviewed and revised. 

My home incident was in XXXX, we are currently in XXXX. I'd notified NewRez during several conversations, but they only documented the first portion of the process starting in XXXX. This has been the most infuriating part of the entire claims process. Not the contractors, public adjuster, or claims adjuster, but my Lender - NewRez LLC 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 2024-01-29
Company: The Cherrington Firm PLLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today I received a call from the Cherrington Firm leaving a message that I had a debt. Then I received a message from my father, who has no financial affiliation with me, that the cherrington firm called him to collect a debt from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My husband and I have had money stolen from our checking account on five separate occasions. We've reported these fraudulent ATM withdrawals with our bank each time an unauthorized withdrawal came through. My husband and I can 100 % attest that we did not make these withdrawals. However, after many calls and over a dozen hours have not received any answers from our bank. They honored a couple of the charges as being fraudulent then turned around and determined other transactions were valid although my husband and I have never been to this ATM and live at least two hours away from this city. Some of the withdrawals happened before we even had newly issued debt cards in our possession. Our cards were not stolen at any point. At this point we haven't been given any answers to how these thieves are accomplishing these transactions. We taken every step possible to remedy the situation but all we're getting from our bank is that because these are atm withdrawals that seem to have been completed with a chip protected card/pin they must be legitimate. My husband and I have been stolen from and we need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I took my XXXX  to the dealership with a problem with the engine.The owner XXXX was supposed to fix my XXXX. The dealership had my car over a month. I called XXXX ask him about my XXXX  he told me Credit Acceptance repoed my XXXX  at that time. XX/XX/XXXX I only owed one  month total XXXX for current and past due XXXX total XXXX I still have my statement. The owner XXXX sold me another XXXX XXXX XXXX at that time I needed a car. I thought my XXXX  was repoed.I and my husband wanted to buy another vehicle and still get my XXXX back. I called Credit Acceptance about paying the full balance and getting my car back the receptionist said we never repoed your XXXX  vehicle should be in my possession. I called XXXX asking where my car was my car wasn't repoed. XXXX claimed he didn't know until I called the police.The police came than he finally said my car was at the junkyard in XXXX XXXX XXXX. I called them they said the never received a XXXX XXXX. Months later I received a letter from debit collector owing over XXXX includes lawyer fees.The balance left on the car was XXXX for a vehicle I don't have.I still don't know where my car is.This is the first I ever went through this!! I been paying debit collector monies with interest every month since a XXXX was filed with the courts XXXX. Whenever I go through hard times couldn't pay they will take me to court trying to garnish my paycheck. XXXX XXXX lied about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they took my car without my permission. I only owed one month for total XXXX my current payment total XXXX was due XXXX the owner had XXXX XXXX write false statement about no interest as customer was behind in payments my car was crushed XX/XX/XXXX. I didn't have no knowledge about this information until I called the cops.

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 2024-01-27
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank handles my Lowes store credit card account. 
They have sent me the following email which in part, states : " Synchrony XXXX We're following up on recent changes to your Lowe 's Advantage Card agreement. Starting in XX/XX/2024, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. '' First and foremost, if something happens to me ( I'm in my XXXXXXXX XXXX ), my wife does not do email and has no idea how ; therefore she would be stuck with an overdue payment charge. Second, I believe the bank should provide a paper statement for no extra charge as part of their credit card service. If not, then the charge should be actual cost and be below {$1.00}.

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: TX
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:
To CFPB I am writing to express my dissatisfaction with the way Wells Fargo Bank handled my complaint. I filed a complaint on and I have not received any satisfactory response or resolution from your bank. 

According to your own [ Complaints and Feedback Policy ] ( XXXX XXXX XXXX ), you are supposed to acknowledge my complaint within and provide a final response within However, it has been since I filed my complaint, and I have not heard anything from you except for automated messages and empty promises. 

This is unacceptable and unprofessional. You have failed to meet your own standards of customer service and violated my rights as a consumer. By delaying and ignoring my complaint, you have effectively made it expire and prevented me from pursuing any further action. 

I demand that you take my complaint seriously and provide me with a fair and timely resolution. I expect to hear from you within with a detailed explanation of what you have done or will do to address my issue. If you fail to do so, I will have no choice but to escalate my complaint to the appropriate authorities and seek legal recourse. 

Sincerely, 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 2024-01-24
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear Wells Fargo Bank, I am writing to express my dissatisfaction with your handling of my dispute regarding a fraudulent charge on my account. I filed a dispute on XX/XX/year>, and provided all the necessary documentation to prove that I did not authorize the transaction. However, it has been more than 30 days and I have not received any update or resolution from you. 
I feel that you are using tactics of negligence and delay to avoid processing my dispute. This is unacceptable and unfair to me as a loyal customer. I have been with Wells Fargo for over 2 years and I expect better service from you. You have a legal obligation to investigate and resolve disputes within a reasonable time frame, as stated in the Fair Credit Billing Act. 
I request that you expedite the resolution of my dispute and provide me with a written confirmation of the outcome. I also request that you refund any fees or interest charges that resulted from the fraudulent charge. If you fail to do so, I will escalate this matter to the Consumer Financial Protection Bureau and seek legal action.

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 2024-02-08
Company: WELLS FARGO & COMPANY
State: TX
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:
I am writing to express my extreme dissatisfaction with the manner in which Wells Fargo has handled my privacy and payment preferences. On numerous occasions, I have attempted to contact your institution regarding the forceful removal of non-Wells Fargo bank account payment methods from my profile without my consent. 

As a customer, I value my privacy and expect that any changes made to my account are done with my explicit approval. However, it seems that Wells Fargo has disregarded this principle by repeatedly removing my non-Wells Fargo account details and prompting me to enter alternative payment methods, despite having already added them to my profile.

This incessant inconvenience not only disrupts my banking experience but also raises concerns about the security and integrity of my personal information within Wells Fargos systems. Additionally, the lack of responsiveness from your customer service team exacerbates the frustration and dissatisfaction I feel as a loyal customer. 

I urge Wells Fargo to address this issue promptly by implementing measures to respect customer privacy preferences and ensuring that changes to account settings are made transparently and with proper authorization. Furthermore, I expect a timely and satisfactory resolution to this matter, along with assurances that similar incidents will not occur in the future. 

Failure to address these concerns adequately will compel me to explore alternative banking options that prioritize customer privacy and satisfaction. I trust that Wells Fargo values its customers and will take swift action to rectify this situation. 
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 2024-02-02
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 unscrupulous crooked predatory company, there are over 68 of these fraudulent lis saying you can view your results lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie lie 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