BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-27
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
XX/XX/XXXX my payment was increased from {$490.00} to {$530.00}. Unfortunately, I didn't notice this increase at first. It wasn't until XX/XX/XXXX that it became evident that they had increased my bill and that is when I called them. In XX/XX/XXXX they increased it additionally to {$600.00}. I called them and was told that they had not increased it but the Insurance company had increased my premiums causing the increase to my premiums with Wells Fargo. 
Of course, I called my insurance company and also checked my property tax as well and neither one had increased and Wells Fargo refused to reduce the payment. 
Within four months my payment had increased by over {$100.00} and we were stuck paying it.

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: CITIBANK, N.A.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I had a balance of {$3600.00} and the payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$3500.00}. which left a balance of {$120.00}. My XX/XX/XXXX, statement shows a balance of {$200.00} which includes a balance of {$120.00} and an interest charge of {$75.00} for carrying a balance of {$3300.00} on XX/XX/XXXX. 
I asked why I was carrying a balance of {$3300.00} on XX/XX/XXXX when I paid {$3500.00} on XX/XX/XXXX. They answered that they charged interest on the whole balance ( {$3600.00} ) which still does not explain why they are charging interest on {$3300.00}. 
I was expecting they would charge interest on the remaining balance ( {$120.00} ). I think there is an irregularity in the way they calculate the interest. I would like to have a better understanding of how they charged interest.

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: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
CareCredit Website : Promotional Purchases : If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date : I had Three promotional balances that were due by XX/XX/XXXX. One in the amount of {$290.00} and the 2nd in the amount of {$310.00} and another the 3rd one in the amount of {$290.00}. Promotional Expiration Date Promotional Balance : Deferred Interest Charge Tran Date Description Initial Purchase Amount XX/XX/XXXX as of the XXXX XXXX XXXX billing statement. I made a payment of {$310.00} on XX/XX/XXXX which paid off the 1 of the XX/XX/XXXX charges in the amount of {$290.00} and the left over amount of {$21.00} was applied to the XXXX XXXX XXXX promotional balance of {$290.00}. I then made another payment in the amount of $ {$190.00} on XX/XX/XXXX but that payment was applied to a promotional balance dated XXXX {$320.00} but none of these payments I have made since XXXX XXXX  and were applied to the promotional balances for both the 3 for XX/XX/XXXX and the 2 for XXXX XXXX add up and make 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 explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I listed my truck for sale and a gentleman in Kentucky answered my ad and said he would like to purchase my truck he said he was going to send me a certified cashier 's check which he did and the amount of XXXX XXXXXXXX I deposited that check into my bank and the teller told me it usually takes two business days to clear so it should be posted to your account by Tuesday I deposit it on Thursday evening. 
This morning Wednesday XX/XX/XXXX I get a notification that my bank is overdrawn by XXXX because yesterday Tuesday I saw it had cleared and I paid a couple of bills off When I contacted the buyer they sent me this check he stopped responding to me and said I was a liar I contacted the company on the check they said I was the third or fourth person that had contacted them and they advised me that these are fraudulent checks and they refused to pay them now I'm going to be liable for over XXXX} negative on my checking account I'm just a single lady I can't do this I don't know what else to do I've never been scammed like this

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: U.S. BANCORP
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
REQUESTED PAYOFF LETTER FOR AUTO LOAN PAID IN FULL ON XX/XX/2023. DMV REQUIRES TITLE ASAP! VEHICLE IS TO BE SOLD. THE BANK IS COSTING ME MONEY EVERY DAY THAT THE LETTER DOES NOT ARRIVE. 

PAYOFF LETTER WAS SUPPOSED TO ARRIVE NO LATER THAN XXXX BUSINESS DAYS AFTER PAYOFF. INFORMED THAT LETTER WAS SENT XX/XX/2023. LETTER DID NOT ARRIVE. REQUESTED FAX OF LETTER FROM XXXX IN CHAT SERVICES ON WED XX/XX/2023. NO FAX ARRIVED TO MY LOCAL XXXX, CO BRANCH. 

MADE XXXX PHONE APPOINTMENTS WITH XXXX XXXX TO GET UPDATES. MADE THIRD APPOINTMENT WITH XXXX XXXX SCHEDULED FOR XX/XX/2023 XXXX MST. HE NEVER CALLED.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: AL
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 writing to dispute XXXX inquiries on my Experian credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows : 1. Inquiry by XXXX XXXX NA on XX/XX/XXXX 2. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX 3. Inquiry by XXXX XXXX XXXX on XX/XX/XXXX XXXX. Inquiry by XXXX XXXX XXXX  ( XXXX Card ) on XX/XX/XXXX I have no knowledge of authorizing or applying for credit with XXXX  XXXX NA or XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Experian take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Experian 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 non-monetary relief
Consumer complaint received 2024-01-19
Company: WELLS FARGO & COMPANY
State: NJ
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:
you close my case and that is not fair, where can we go for the solution bank look only looking at their benefit. 


We 100 % disagree with your decision. Everything is happening on account of your negligence. 
- When the new ip login happened you did not inform us. You did not take any communication as I am the 1st Account holder. 
- You did not watch my payment history I never paid Big amount to third party We are using only XXXX XXXX, according to the document you sent there was a ip address that access XXXX account the account where the payment went from, XXXX if you track the ip address you can clearly see its from XXXX and its from XXXX where our ip address is from XXXX XXXX Two different companies. How can you say I did this when I am showing you proof there was a different login from a different place. 
- You clearly didnt look into this properly and it is your mistake 100 %. 
We have been doing online banking with XXXX, XXXX XXXX and XXXX bank for the last 10 years. We have very good knowledge to do online banking and we never get any fraud problems. 
Your banking system has a fault so a third person comes into my account and you release payment. I have been holding a steady balance for a longtime and you did not look at the payment style of holding balance and release {$6600.00}? 
- When I went to file a police complaint other people are also losing big money, I found that and they are coming to file a police complaint What is your action against the fraud person still you did not give us a perfect name and address of the person- Did you file a complaint to the internet crime complaint center to recover my money? If yes, give me the supporting documents. 
- Did you file a complaint to the federal bureau of investigation to recover the money? If yes, please give me the supporting documents. 
Please mention your steps and action with the fraud person and communication with any government or police department. 
I dont see any action from your end, you just negligence and took a decision in your bank 's favor. How will we live without money? 
I submitted all supporting documents, Filed police report, did the affidavit etc.. 
You can not close the case until I get my money. You are the organization and have power to fight fraud people - you closing the case means that you are inspiring the scammer to do more and more fraud again and middle class families like us are losing their hardworking saved money.

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: Experian Information Solutions Inc.
State: TX
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 writing to follow up on my previous communication regarding the ongoing challenges I am facing in removing fraudulent items from my credit report. Despite my initial attempts and the provision of supporting documentation, the fraudulent entries persist, causing continued harm to my creditworthiness and overall financial well-being. 

As previously communicated, I have attached copies of my credit reports highlighting the specific fraudulent items, along with the supporting documentation that unequivocally establishes the illegitimate nature of these entries. 

Despite these efforts, the fraudulent items persist on my credit report, and I have not received any satisfactory resolution. I understand the gravity of identity theft and the necessity for swift resolution to protect both consumers and creditors. 

I am requesting, once again, that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed and comprehensive written response within 30 days of receiving this follow-up complaint, outlining the specific steps taken to address and rectify the situation. 

If my concerns are not addressed within the specified timeframe, I will have no choice but to escalate this matter further by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance XXXX {$650.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX BV XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$650.00} XXXX XX/XX/2022 XXXX XX/XX/2022 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 2024-01-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I checked my email and saw that I had been sent Fast Pass tickets from XXXX XXXX  XXXX XXXX. I immediately called Wells Fargo to report the fraud. They closed out my card and sent me a new one. In XXXX ( I don't remember the date ), the charges of nearly {$780.00} were added back to my card. When I called to see why, I was told that they were added back because I had authorized the charges. I emailed XXXXXXXX XXXX  XXXX XXXX and was told that they felt like my email account was hacked and that they did not check that the person who purchased the tickets had my card or an ID even though their printed policy specifically states that they do that. I faxed this information over to Wells Fargo and had to do so twice because the first was " lost. '' I sent another fax in XXXX and was told that this one was also not received until I mentioned that I sent it from a branch. They were able to find it then. Despite XXXX XXXX saying that they did not verify the identity of the person who made the purchase and despite XXXX 's agreeing with me that email account had been hacked and despite the fact that the tickets were purchased from a computer that is in a completely different city from where I live, Wells Fargo still concluded that I authorized the transactions because XXXXXXXX XXXX XXXXXXXX XXXX said I did. Once my direct deposit from my job hits at the end of the month, I will be finding a new place to do my banking.

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: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX credit cards were opened with my social security number without my knowledge on XXXX 
I have contacted the companies and attempted to have the credit cards closed, but there have since been additional balances added to the accounts. 

Account info Account name BEST BUY/CBNA Account number XXXX Account type Charge Card Responsibility Individual Date opened XXXX  Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$30.00} Credit limit {$2500.00} Highest balance {$2300.00} Terms - Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$30.00} Credit limit {$2000.00} Highest balance {$1900.00} Terms -

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 2024-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Account unable to be open

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: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Ability Recovery Services LLC had sent a piece of mail to my home in regards to a debt from XXXX XXXX  in the amount of {$1800.00}, this was paid in full through their website towards the end of 2023. However, since then the collection has come off of my XXXX credit report, but they are refusing to remove it from my XXXX credit report. I need this removed please. I am growing a small business and taking care of my mother and this is affecting me getting the help that the business needs and my mothers needs. I filed a dispute through XXXX and they were unsuccessful at getting it removed. I appreciate anything you can do to help me with this matter. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello! Wells Fargo closed my checking account for no reason and is not giving my funds from the account. My mother ( XXXX XXXX ) recently send me 8 different transfers ( between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) from her country XXXX ( her local bank XXXX  ) little over XXXX XXXX XXXX  to help me and my family with down payment for the cabin we are looking to purchase. All the transfers went through without problems in till XX/XX/XXXX| received an email from Wells Fargo that they closed my account because of suspicious activity. I went to local Wells Fargo branch in XXXX XXXX first thing I no the morning XX/XX/XXXX and the representative there asked me to call the fraud department as he can not help me. I called the fraud department right there at the branch and they told me that the transfers my mother ( XXXX XXXX ) sent me from her account to my ( XXXX XXXX ) are from XXXX XXXX to XXXX XXXX? Why would my mother XXXX XXXX send money to herself to my ( XXXX XXXX ) account? Now they blocked me from all access to my account and I can not get my money. Wells Fargo wants my mother ( XXXX XXXX ) who is and lives in XXXX XXXX to go to Wells Fargo branch with 2 forms of ID in order for me to get my money?? This is my account, under my name only and my mother clearly sent that money to me. Please help me, this is very large amount of money for me and my family. Wells Fargo is just not giving me my money that my mother sent 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 2024-01-22
Company: CORELOGIC 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:
THIS IS AN INSURANCE BILLING ISSUE. MY INSURANCE PLAN PROVIDER FROM PREVIOUS EMPLOYER WAS XXXX. I WAS ASSIGNED TO XXXX AS MY XXXX. THEN AT YEARS END TO XXXX. DURING THE SWITCH OVER MY MEDICAL PROVIDERS GOT THE BILLING MIXED UP AND MY EOB WRONG! I WROTE TO XXXX, WHO ASSIGNED A MANAGER TO INVESTIGATE. SHE CONTACTED SOUTHEAST ORTHOPEDICS ABOUT THE MIX UP. PROVIDED THEM WITH THE CORRECT EOB AND BILL AMOUNT. WHICH I PROMPTLY PAID IN FULL! SENT SOUTHEAST ORTHOPEDICS A MESSAGE CORRESPONDENCE VIA MY HEALTH PORTAL WITH A SCREEN SHOT OF THE BILL I PAID IN FULL. THEY IGNORED THIS AND CONTINUED TO BILL ME THE INCORRECT AMOUNT. AND THEN REPORT IT TO A COLLECTIONS AGENCY! MY WIFE AND I HAVE STRUGGLED VERY HARD TO ACHIEVE AN EXCELLENT CREDIT SCORE AND AS WE ARE IN THE PROCESS OF PURCHASING A NEW HOME... THIS NEGATIVE REPORT HAS AFFECTED OUR CREDIT SCORE AND 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 2024-01-31
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Good afternoon, XXXX XXXX from Bridgecrest called on Friday, XX/XX/2024 during my work hours where I can not answer my phone during my shift. I returned her phone call on the same day at XXXX. I tried reaching out to her on several occasions for a few days now and left several voice messages and she failed to return my phone calls. My car note is due on Friday, XX/XX/2024 in the amount of {$350.00}. Im not sure if I should continue to pay it until they get their paperwork straight or wait until I hear back from them. What should I do? Thanking you in advance for your prompt assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation