BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-02
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Us bank I opened an account with. Closed it after taking my initial XXXX XXXX deposit a week later and said it bounced after I had XXXX dollars weekly deposit payroll. It had taken over XXXX  days and had not received my debit card so I used XXXX to transfer funds into the account to pay bills too many times in a week after calling about the debit card. They said closing the account and speak to a branch manager. They held XXXX XXXX in funds and a XXXX deposit and XXXX paycheck when they told me nothing could go in or out. Now my bills will be returned I will be charged : XXXX lady was kind with me and told me the truth - XXXX XXXX XXXX Nc branch manager, I spoke with and he told me to XXXX  off he didnt understand the XXXX transfers and called me a XXXX XXXX XXXX  words I wont say and I am not of either respected or any denomination of such for lack of better word. My funds are frozen and bills late and I have a XXXX veteran husband whom may lose heat or a vehicle payment missed because us bank lied and froze my money. Dont bother with them. No answers for XXXX days, XXXX almost frozen and I was harassed and without money with no answers as a working XXXX plus hour a week human being who cant pay bills now because I used XXXX and us bank

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 2023-12-04
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: Personal information incorrect

Complaint:
XXXX, XXXX and experian all have my personal info wrong and that can possibly result in INACCURATE credit reporting. I need my personal info updated between all 3 agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/28. The check that was deposited was from my 401k. The company that I previously worked for closed. The check amount was about {$1700.00}. I wasnt informed about the check being on hold for 7 days until after the check was deposited. I called TRUIST the following day to discuss the matter. The compliant was escalated to a mange ent and I informed I would receive a call regarding the compliant. I never received a call. I called again on XXXX to have the matter further discussed. The first representative told me the funds couldnt be verified by the issuer of the check. She then transferred and I was told I dont have enough funds to cover the check. She informed me that she needed to contact the representative that was handling the escalation by management that the representative wasnt available. I was told to call back at XXXX on 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 2024-01-26
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I opened my XXXX app and saw my credit score go down XXXX points because some unknown company that I never contracted with reported a false late payment of which I have no knowledge of. I never contracted with MRS BPO LLC service nor do they have any paperwork to prove any signatures that I have a contract with them. But yet they illegally report a late payment to my credit report as of XXXX this year. First time ever seeing this appear and they somehow gained unauthorized access to my personal information. So this is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from Bank of America , XXXXXXXX XXXX , and XXXX XXXX . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my 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 2023-12-01
Company: Experian Information Solutions Inc.
State: MO
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:
This is a formal complaint against Experian for disclosing a copy of my credit report without my written consent. On ( XX/XX/XXXX ) I became aware that Experian provided a copy of my credit report XXXX XXXX without my explicit authorization. I did not provide XXXX XXXX consent to obtain my sensitive information, nor did I consent or agree to have an inquiry made on my credit report. This unauthorized disclosure of my credit file has caused me great concern and distress. My rights under the FCRA have been violated, as the act clearly states that a consumer reporting agency must obtain written consent before relased a credit report to a third party. I am in the process of disputing an ALREADY fruadulent account from XXXX XXXX brandished on my account that in fact ; per XXXX XXXX  I have been found not responsible for so I would not go and then approve an inquiry from XXXX XXXXXXXX. I demand that Experian take immediate action to recifify this issue by : 1 ) Removing the inquiry from XXXX XXXXXXXX made on XX/XX/XXXX and any other information related to XXXX XXXX on my credit report as I DO NOT HAVE AN ANY ACCOUNTS WITH XXXX XXXX! 2 ) send me written confirmation this matter has been resolved, I have included a copy of the IDTHEFT report I have filed on the Federal FTC site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26
Company: McCarthy, Burgess & Wolff, Inc.
State: WI
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
XXXX XXXX From : XXXX To : XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX This is regarding the refund to XXXX for the cancellation of the credit card issued to your company. XXXX has not received the refund for this credit card. 


If you feel this was sent in error, please reply all and provide all supporting documentation and or information BY THE DUE DATE OF THE REFUND OR THE AMOUNT WILL BE SENT TO DISPUTE. 

The invoice that was created for the job, is not proof of service completion. 



Please refund these funds by XX/XX/XXXX If the refund is not received, XXXX will process a dispute with the credit card company. 



Date of Service : XX/XX/XXXX Job ID : XXXX Amount : {$1100.00} Refund Due Amount : {$1100.00} Credit Card XXXX XXXX XXXXXXXX Expiration : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reason/Notes per call : Our record shows that this job was marked as reassigned in the system. Cancelled by the dispatcher due to provider 's delay. We would like to request a refund for the {$1100.00}. 

-- We only have access to email for communication. We apologize for any inconvenience this may cause. 

Performance or account related inquiries, contact XXXX 's XXXX XXXX XXXX This communication is for the sole use of the intended recipient ( s ) and may contain XXXX confidential information. If you are not the intended recipient, please notify the sender immediately by return email and delete this message from your system. Thank you. 
-- XXXX XXXX XXXX. 
XXXX Confidentiality Note : This e-mail message and any attachments may contain confidential or privileged information. If you are not the intended recipient, please notify me immediately by replying to this message and destroy all copies of this message and any attachments. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had an open checking and savings account with PNC Bank, on XX/XX/2023 there was a fraudulent transfer made on my account for the amount of {$1300.00}. This caused my bank account to be overdrawn by over {$400.00} and also made my overdraft protection kick in and take {$850.00} out of my savings account. I opened a fraud dispute with PNC and after about a XXXX weeks of " investigating '' they told me the transaction was authorized because they found that the IP Address of the transfer was traced to XXXX miles from where I locked my card after finding out about this transfer. I had explained to PNC several times that I was not in my home state at the time of the transfer because I was on a work trip in South Carolina. They would have been able to tell all of this by looking at recent transactions and also seeing my card declining at XXXX XXXX. I then filed another dispute to have it escalated which when they would call me I would miss it by a few minutes and then immediately call back and leave a voicemail only to receive nothing back. Eventually I tried to reopen the dispute once again and they told me it could no longer be done because my account had been closed for some reason during an active fraud investigation. I have many screenshots of proof including clock in locations from my job on the dates on and around XX/XX/2023. They told me to open a report with my local police department, who told me they couldn't do anything, and to also see if I had a case of identity theft ( which I did not ). This was something that easily could have been investigated and fixed but they made it an extremely difficult process resulting in my losing money and somehow still owing them money. They refused to even look at any of the proof that I had and told

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know who is CCS. I contacted XXXX and requested how I own money and under which contract that is based. XXXX never provided a signed contract. I am under the FCC Affordable Connectivity Program. XXXX has a contract with the FCC. If the FCC stops paying the service ends. I have no liability under this Gav. program. Service started on XX/XX/2023, and ended on XXXX XXXX XXXX by FCC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit 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:
On XX/XX/XXXX Placed order for XXXX XXXX XXXX XXXX for a Total of {$75.00}. On XX/XX/XXXX received message from amazon that they were unable to delivery the item to me. I placed a second order for the same item and requested a refund for the first order. 
On XX/XX/XXXX chat with amazon customer service agent to request the refund, the customer service agent said that I will receive the refund and a confirmation email in the next 3 to 5 business days. After many days that I did not received the refund I called several times and they always said that I will received. Because I never received the credit I disputed the purchased to Synchrony Bank, spoke few times with Synchrony Bank and submitted few times all the information and respond two times when they give 10 days to answer. Until today XXXX I have not received the credit from amazon or Synchrony Bank Credit Card. See attached correspondence with Synchrony Bank and US Postal receipt for sending the information they requested.

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 2024-01-31
Company: TRUIST FINANCIAL CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
The principal unpaid balance of my mortgage is {$130000.00}. The value of the home is around {$300000.00}. 
I have requested Truist Bank on several occasions to remove the PMI as the value of the home was in excess of 78 % for several years. They refused to remove it and continue to charge it. The continuation of charming me a PMI at this point is illegal but i can not make them remove 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 non-monetary relief
Consumer complaint received 2024-01-31
Company: REGIONS FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I last used my debit card before the incident at an ATM at XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  I noticed that XXXX was withdrawn from atms in XXXX XXXX XXXX  and XXXX XXXX This money was not withdrawn by me. I dont go to Illinois XXXX I still had my card. It was withdrawn 3 times that day. XXXX, XXXX, and XXXX. 
The problem is with a Comdata XXXX XXXX. 
I contacted the card company immediately to complain, they said they would send it to the fraud department and get back to me within XXXX business days. I also disputed the charges on the companys website. 
XX/XX/XXXX I got an email from the card company saying that they will not reimburse the fraudulent withdrawals because they have not found sufficient evidence to support your claim. There is no direct number to talk to their fraud department, they would not transfer me, they said I should email them. I find this horrible customer service and it makes it easy for them to deny my claim. 
XX/XX/XXXX I went into the XXXX XXXX that I last used my card. They told me that there was a skimmer put on their ATM machine by a scammer during that time and a lot of people got hit. I then called their XXXX XXXX. in XXXXXXXX XXXX and am waiting to hear back from them so maybe i can get something in writing. 
XX/XX/XXXX I file a report with the XXXX Police Department and disputed the charges again and gave the card company the case number and told them that XXXX XXXX had multiple problems recently with their ATM

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 2024-01-30
Company: WELLS FARGO & COMPANY
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. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/year> and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an inappropriate system to be disregarded and taken advantage of while a great deal of guidelines are broken due to carelessness and the earnestness of not survey what is happening in a serious manner. Has caused Financial injury and analysis of character close by at least 60 days of no response This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 60 days of no reaction. 

This is an ill-advised system to be excused and taken advantage of while a ton of rules are broken in view of remissness and the validity of not outline what's happening in a serious manner. Has caused Money related injury and examination of character close by something like 60 days of no response. 

This is an uncalled for framework to be overlooked and exploited while a lot of regulations are broken because of negligence and the seriousness of not viewing what is going on in a serious way. Has caused XXXX injury and criticism of character alongside 60 or more days of no reaction. 

Need to eliminate all regrettable/unanswered things Need to dispose of all unfortunate/unanswered things Need to discard all sad/unanswered things Need to dispose of all miserable/unanswered things

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony bank has been shutting down all my accounts I have with them and reducing my credit limits even with my good payment history and being a long time customer with them. I did reach out to them on XX/XX/23 and they stated I was a high risk and they keep pulling my credit which results in inquries being placed on my credit report. I have some of my accounts with them over XXXX and I always pay on time or before time, so I need to know why are they harassing me by closing down my accounts and reducing my limits

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 2023-11-28
Company: Harley Davidson Financial Services Inc
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
on XX/XX/2023 I applied for a loan to buy a Harley XXXX. the XXXX cost XXXX and i only had XXXX dollars down. I never dreamed I would be approved for the loan but i was even though i am XXXX  years and have very limited retirement income. I was estatic that a dream of mine was becoming a reality. All the add on and taxes brought the cost up to XXXX. 15 % interest for 8 years XXXXXXXX XXXX XXXX monthly payments. 
It did not sink in that i was over my head in debt until all my savings is gone and i am struggling just to live and survive. I should have never been approved for the loan and i still dont know how i was with my limited income. 
I have tried to talk to company about buying the XXXX back but because i owe over XXXX XXXX and the XXXX is only worth XXXXXXXX XXXX they cant buy it back and i can get it refinanced to lower the payments either for the same reason. And i signed the contract. being too excited for the opportunity to own my trike for the repercussions to sink in. Now I am in the position where I cant pay the payments as I have already used all my savings. I don't want a negative credit repossession but I don't see I have any other choice. I have talked to our state representative XXXX XXXX and he thought you might have some assistance. I know I got myself in this mess but I cant help wondering at this point why the lender approved me when my income was so limited. I was debt free up until I bought my trike. I am not trying to assign blame with anyone. I just need a resolution. if there is any wisdom to glean from this experience if you know you cant afford to pay for something dont buy it even if salesman makes it look good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2023, my bank allowed a fraudulent wire transaction to take place without my approval or authorization in the sum of, {$190000.00}. It was determined in XX/XX/2023, after an internal investigation, that the money wold be recalled ( returned ) to our bank account. We found this out after filing a previous complaint with you all, the Consumer Financial Protection Bureau. 
To date, the money has not been returned and, we have been trying to speak with an executive at Chase Bank to ask that, in good faith, at least half of the monies be returned to our bank account as we have employees on payroll and rents to pay. This situation has put our organization in a very delicate financial hardship.

Company response to consumer: Closed with explanation