BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I was at a bar and my Wells Fargo debit card stopped working. It order to pay my bill I asked one of the person at the bar if he could pay the tab and I would XXXX the money to him. The amount was {$150.00}. After I sent the money the person kept on insisting that the money has not been transferred and since then received it two more times. 

I sent him {$450.00} instead of {$150.00}. And the {$300.00} ( $ XXXX ) by the person was extra and I was tricked into paying it to him. I tried to find the person by reaching out to the bar but they did not know him too. Form the XXXX I can not find the number but I have the screen shot of the persons name. 

The {$450.00} taken out of my account were because of a result of the same payment happening 3 times. Out of which only {$150.00} was taken by me. The rest I still havent recovered. 

Wells Fargo have rejected my claim for the transaction when I clearly explained to them I have been tricked into making the same payment 3 times.

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: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/year> someone hacked into my Citibank online account. They changed my online password and then proceeded to send XXXX wire transfers from my money market account for {$1800.00} each for a total of {$3600.00}. I was on the phone with the Citibank representative while the transfers were happening since I got an email telling me my online account password had been changed. I asked the Citi representative to lock down my accounts but she continued to ask questions and did not shut the accounts down fast enough as the hacker got more money. Citibank said they would reach out to the receiving bank to get the money back and I needed to wait 90 days. I waited 30 days and I had to reach out to Citibank to get status on the situation and they told me XXXX said there was no money in the receiving account and they would not return the money. I was then told to fill out a Wire transfer Fraud report to get my money from Citibank. Citibank has denied me my request to return the money stating it was a scam and not fraud. To this date I have not received any communication or correspondence from Citibank on the fraud or any investigation. I have had to reach out to them they never communicate with 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 monetary relief
Consumer complaint received 2024-01-26
Company: Shellpoint Partners, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
XXXX of XXXX I refinanced my home from Newrez to XXXX morgage company. I had an over payment in my escrow account in the amount of {$2100.00}, that should have been returned promptly after Refinancing was completed. I have contacted Newrez customer on XX/XX/XXXX, To resolve the problem. On several occasions I was told by Newrez staff members that the check was mailed, only To find out they had been returned. So I ask to speak with a supervisor on XX/XX/XXXX, I spoke with XXXX XXXX XXXX and she had informed me that the check had been ACH ( Direct deposit to my checking ) as of this date XX/XX/XXXX. I then ask XXXX XXXX for a transaction number, she stated she would call me later on today with the information I requested. ( transaction number ) It has been three day and no response from Newrez staff nor my over payment.

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: ASTA FUNDING INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had my bank account garnished 3 times adding up to over {$900.00}. Prior to receiving any information in regard to this debt. I called XXXX XXXX after I received my first notice of the debt. 
In violation of the Fair Debt Collection Act -I was not given details on the debt Enclosure documents - no address or Name of original creditor was not given -no instructions on to pay the debt -no record on when the debt was incurred -no proof account was sold Attorney/ staff informed me they didnt have to send me any paperwork because they sent it to the bank Im violation of Consumer Credit Protection Act Title lll My account was garnished to XXXX $ when this act states it should not take all my money to ensure basic living expenses are available bank statement In addition Michigan statute of limitations on collecting debts is 6 years I was told this debt is XXXX years old and it hasnt been kept active Over 10 years the last date is from XX/XX/2006 for action on this debt. My address is incorrect my name is spelled incorrectly. When speaking with the collector I told them this was not my bill. The last and first date I was XXXX XX/XX/XXXX, XXXXThese practices are in violation of the FDCPA 15 USC 1692 et seq unfair and abusive practices.

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 2024-02-03
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to you today to urgently request your assistance in addressing a concerning issue regarding an inaccurate collection account on my credit report. 
Personal Information : XXXX XXXX XXXX or XXXX Nature of the Complaint : An inaccurate collection account from XXXX XXXX, XXXX, EXPERIAN is currently appearing on my credit report without my consent or knowledge of any contract with this company. I have not authorized them to use my personal information or credit data in any way. 
Violations of the Fair Credit Reporting Act ( FCRA ) : This collection account directly violates several key provisions of the FCRA, including : Section 607 ( a ) ( 1 ) and ( 2 ) : Credit reporting agencies are required to ensure the accuracy, completeness, and timeliness of the information they report. 
Section 615 ( a ) ( 1 ) : No person may furnish inaccurate information to a credit reporting agency. 
Section 621 : Willful noncompliance with FCRA requirements can result in liability for actual damages or statutory damages of {$100.00} to {$1000.00}.

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 2024-01-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed two fraudulent charges made in XXXX CA which I did not make nor authorize. 

My bank Citi bank refunded one for XXXX dollars but not the other for XXXX. 

That in of itself made 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 monetary relief
Consumer complaint received 2024-02-03
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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:
consumer applied for a personal loan with pentagon federal credit union as a federally protected consumer I have notified the credit agencies XXXX, XXXX and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 PENFED IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED 3RD PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. PENFED HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION

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 2024-02-03
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
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:
The below hard inquiry showed up on my credit report on XX/XX/year>. I didn't apply for any credit from this company. 
FNB OMAHA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-16
Company: Albert Corporation
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I received a cash advance of {$50.00} on the XXXX or XXXX of XXXX w/ an agreement to repay on the next pay period. Today, XX/XX/2024 {$79.00} was withdrawn from my account of no explanation of the extra {$29.00}. 

I reached out to customer service today and was told that its an anticipated overdraft fee on an app that I did not sign up for. 

This is fraudulent and horrible. All these companies do is take advantage of the poor. Its not a color, gender, religion thing. It is a poor thing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: U.S. BANCORP
State: WI
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:
On XXXX XXXX XXXX  US Bank has made an " Individual Inquiry '' into my personal XXXX credit file after I have used " Check your rate '' tool on their personal loan page XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, when I have realized that instead of " soft inquiry '' US Bank did " Hard inquiry '' I have reached out to the Personal Loan department over the phone around XXXX XXXX. Associate I have spoke with failed to provide me the reason for the inquiry and instead suggested that I should " just dispute the inquiry with the credit bureaus ''. After verifying that there are no existing applications within their system she transferred me to their " Consumer Credit Dispute '' department from where I have been transferred once more with no luck to resolve my issue. 

Meanwhile, my credit score as per XXXX XXXX and XXXX XXXX XXXX tools has decreased by XXXX due to this inquiry. 

XXXX XXXX search shows that there are many people in the same position and complete failure on behalf of the US Bank to : A ) fix the issue in their system to stop this from happening ; B ) take necessary steps to address existing concerns.

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 2024-02-02
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: Problem making or receiving payments

Complaint:
I discovered some fraudulent activity in my transactions while filing my taxes. I filed the claim on or about XX/XX/2023 the claim included almost {$2500.00} in transactions that should not have been included. The claim was denied and so I called and went over the transactions with an operator and resubmitted the claim. The claim was denied 2 or 3 more times each time I had the same 2 hour call removing the transactions that didn't belong. This tells me that there is no investigation happening or the notes would have been read and seen the amount change and the transactions that had been removed but obviously that didn't happen and I know this because the correct transactions are cut and dry fraudulent and will not provide them with a reason to deny the claim. The denials were coming every 2 to 3 days and I find the speed of those investigations odd since they have had this resubmittal now since XX/XX/2023 and still claim to not have an answer. We are well past the 20 buisnesss days and I can't seem to reach anyone accept for operators that are in place to keep the customers from reaching anyone that can help. BofA no longer handles the XXXX accounts so I believe they are just stringing me along hoping I will just give up. This is not the WORLD CLASS SERVICE they claim at the start of every phone conversation I have filed complaint after complaint to no avail I have done all they asked of me I took it upon myself to fax over a couple things that an employee told me may help speed it up and faxed it at a branch of BofA only to have them say I didn't send them and they never received the fax. I then had to go to XXXX store and pay to have them faxed again so I would have a document showing it was received and copied it only took 8 days for them to add them to my claim finally. I didn't want to file this but they have left me no choice I believe they are not intending to pay my claim I don't believe there is an investigation happening at all since they are no longer with XXXX. After this I am going to either file a small claims suit or have a 3rd party arbitrator over see and rule on this issue I am positive that I am in right and simply want what is mine and no more! Thank you for your time.

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: National Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
creditor claimed negative marks on credit report and that the account was considered late when no payments or contact was ever made.

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: SUNRISE CREDIT SERVICES, INC
State: AR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fraudulent account open in my name without my permission

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: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a ATM card from Synchrony and tried to have this canceled as I don't have an account with them. I went through 3 different departments and no one can help. Since I don't have any accounts with them how can they send me an ATM card? I just want my information deleted from their records so as not to have any problems in the future. The card also had valid thru XX/XX/49. Never heard of anything like that.

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 2024-01-19
Company: HYUNDAI CAPITAL AMERICA
State: TX
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 resubmitting this complaint to KIA FINANCE AMERICA regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that this fraudulent account persist on my credit report. I had hoped to rely on KIA FINANCE AMERICA to safeguard my information and to report accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning on this account. 
To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons this account should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that KIA FINANCE AMERICA will take the necessary steps to address and rectify these inaccuracies promptly.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Account XXXX XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations.

According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX 's assistance in reviewing the status of the charged-off amount associated with 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 non-monetary relief
Consumer complaint received 2024-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Wells Fargo put the few XXXX dollars form payroll deductions for an XXXX XXXX  XXXX  into an unsuitable 'managed ' account, which lost much of its value. They " managed ' to lose hundreds, and took the rest of my money with high fees. Since I was not notified, this was illegal. Calling them was a waste of time. 

Compare this to my experience with my main plan, from a small non-union XXXX XXXX, which also had to liquidate their fund. 

A single XXXX  person helped about XXXX former employees transfer to no cost XXXX XXXX  online account, into FDIC insured, money market fund, with no fees paying a little interest too. Fully liquid, I could then buy stock, bonds with great online app, at my own pace. 

Link to XXXX XXXX XXXX Wells Fargo Agrees to Pay {$1.00} Billion to Settle Pension-Led Lawsuit XX/XX/2023 '' Wells Fargo Agrees to Pay {$1.00} XXXX to Settle Pension-Led Lawsuit Mississippis public employees ' fund, a Louisiana sheriffs fund and the state of Rhode Island were among the lead XXXX XXXX 

XXXX XXXX XXXXXXXX? XXXX This EMAIL is to serve as a demand letter. If I do not get my original balance restored, then dispersed as a XXXX payout in a check, with a proper 1099 I will pursue this matter in court.

I called Well Fargo about 10 years ago to complain about management fees totaling 26 % of the value DECLINING fund. One hour on the phone got me nothing. I asked why wasn't it all in a XXXX XXXX, and can you do that? I was told they didn't have that. But there is some in a XXXX, with a 3 % fee, which is usually no cost, because there is NOTHING to manage. 

I asked them if they thought it was fair to XXXX XXXX, a poor performing fund with a small amount of money.. They just told me about thinking long term and it might come back. Since the fund had less than {$1000.00} to begin with, I decided to let it roll, just to see if they would take it all. How could it come back with Wells taking 26 % in fees?

Now they are saying they need a " contract number '' to verify. In addition to my account number, just to access, or to ask questions. Then, they 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 2024-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The bank forced closed my account please notice the XXXX XXXX XXXX to find the fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation