BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding the theft of funds from my Wells Fargo checking account and the subsequent rejection of my claim by Wells Fargo. I strongly believe that my debit card was potentially cloned, as unauthorized transactions were made using a physically inserted card while I was in a different location. Despite my immediate action in reporting these fraudulent activities, Wells Fargo has declined my claim without providing sufficient explanation. The details of the incidents and claim are as follows : Bank : Wells Fargo Claim Number : XXXX Unauthorized Transaction : Date : XX/XX/2023 Amount : {$2100.00} Location : XXXX, XXXX, California Date : XX/XX/2023 Amount : {$2700.00} Location : XXXX, XXXX XXXX, California Claim Status : On the same day as the unauthorized transaction, XX/XX/2023, I contacted Wells Fargo to report the incident immediately. I provided all the necessary details and filed a claim for reimbursement. However, Wells Fargo failed to provide me with any claim status updates. Consequently, on XX/XX/2023, I contacted Wells Fargo to inquire about the status of my claim, only to be informed that my claim had been declined. 

I would like to emphasize that during the time when these transactions occurred, my debit card was in my possession, and I was physically located in a different place. It is physically impossible for me to have used the card at the mentioned location at the specified time. The fact that these transactions were conducted with a physically inserted card raises serious concerns about the security of my account and strongly suggests the possibility of card cloning. 

I request the Consumer Financial Protection Bureau 's intervention in this matter to conduct a thorough investigation. It is crucial to determine whether Wells Fargo has fulfilled its obligations under the Electronic Fund Transfer Act ( Regulation E ). According to Regulation E 1005.6, I am not liable for unauthorized transactions if they are promptly reported. Therefore, I expect Wells Fargo to comply with federal regulations and reimburse the amount stolen from my account. 


I kindly request that the Consumer Financial Protection Bureau promptly investigates this case to ensure a fair and just resolution. I am hopeful that through your intervention, consumer rights will be upheld, and necessary actions will be taken to safeguard against fraudulent activities. 

Thank you for your attention to this matter. I look forward to a timely response from the Consumer Financial Protection Bureau.

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 2016-07-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a lease car to Ally Financial / XXXX dealer on time after 3 years in excellent condition and low mileage. Always on time with payments. I received {$1300.00} bill for excess wear which are completely unfounded and fabricated. They did not give me a chance to fix what-ever they claim and did not inspect the car while we were present. They do not respond to my letter disputing the charges and say " either you pay or else ''. This practice is absolutely unethical and as far as I am concerned a consumer fraud. I also plan to file a claim with the Attorney General Office as well as filing a complaint with the Small Claims court. I would really appreciate it very much for any help or advise in this matter. 
Best Regards, 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 monetary relief
Consumer complaint received 2022-11-21
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Today, I called The Cash app customer service due to not receiving my XXXX deposit. I have had more than XXXX direct deposit come from my XXXX XXXX  account to my cash app card. As of today I will no longer be using Cashapp. Whenever I contact customer service through chats, I have to wait almost XXXX to XXXX hours for a message back. Today I decided to call and the representative talked over me. Told me I was wrong. The representative told me I don't know what I was talking about. He yelled at me and told me that he can't give me his first name. Then I asked for his first name, He said his first name so fast that I couldn't hear it on purpose. I asked for his name again and he told me he couldn't Provide me the information. and then he talked over me again and told me since that he provided me with the information, that he couldn't transfer to a supervisor. He then said that he will be ending the call and hung the phone up on me. I was asking simple questions pertaining to my direct deposits. He told me since I don't know the exact day my deposit was sent, that he couldn't help or provide me any help from a supervisor. I called back immediately to speak to a supervisor. A representative by the name of " XXXX '', said she couldn't provide me with the last representatives first name. I told her transfer me to a supervisor. She said she would need to know the nature of my call. I told her again I need to speak to a supervisor. She said the same thing over again. Then she waited for XXXX minutes to tell me she can't get in contact with a supervisor. I then provided the rep with the case number for consumer financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Integrity Funding Ohio, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I think I made this loan with loan Star Title since maybe, XXXX Or XXXX of XXXX ... today, I'm still paying 320.4608 % on my 2009 XXXX. For months I have to XXXX and somethng a month and still doing. I thought as my bill, gets lower, the interest too would be lower. No, maybe a dollar or two goes down each month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-07-08
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is with Carecredit. 

I had XXXX done and had my balance of about {$4000.00} on a Carecredit card. I signed up for autopay as I assumed the amount each month would hopefully pay off the balance by end of promotion period. Because I had this on autopay, I have no need over the months to really necessarily look at my statement. 

It wasn't until XXXX of this month I received a text message that I would receive a warning that I would incur interest on my next payment. So I logged into Synchrony.com and saw that in XXXX I incurred a ~ {$2100.00} interest plus about {$90.00} interest on XXXX, XXXX, and XXXX. For a total of about {$2500.00} interest on top of the {$4000.00} XXXX  XXXX I owed. 

I tried called multiple times for forgiveness to remove or reduce the interest but I was denied. 

I never received any kind of notification from Carecredit or Synchrony any warnings that I would incur a {$2100.00} interest. No text or email warnings. Just emails regarding my statements. 

I think Synchrony takes advantage of people like me because they know people can just be lazy and set the monthly autopay to " minimum payment ''. Then by doing so, people will never really necessarily look at their statements each month because they think their autopay will satisfy every month. 

If Synchrony really wanted people not to pay the big interest, then they would have done everything they can to warn people out of their complacency that they would be hit with a big interest payment soon. Making people look at statements is not good enough. Most people are too busy with their lives and don't always need to look at statements with autopay turned on. They don't really quite make any effort to reach out to warn me. They want to silently let people 's minimum monthly payments to go through and then be hit with a high interest suddenly and silently.

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 2023-05-02
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following hard inquiries and collections account currently listed on my Equifax credit are fraudulent, unauthorized and not my hard inquiries or collections account : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Acra Intermediate Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am refinancing my primary residence in Florida. On XX/XX/XXXX my loan officer submitted a lock extension request for 5 days at a cost of {$2200.00} ( .375 % ) because my lock expired on XX/XX/XXXX and we weren't going to make it with the 3 day rescission period. The loan was cleared to close on XX/XX/XXXX. I printed and wet signed the attached documents. We are now on Wednesday XX/XX/XXXX and I have still not received the closing disclosure and the bank is asking me to pay an additional extension fee of 1.125 % ( {$6600.00} ). The account executive at Acra lending has been telling my loan officer that this will be handled but time keeps going by and nothing is being done. The company is clearly deploying bullying tactics and delaying the process by saying they are short-staffed as if that is customers ' problem to pass on their inefficiency cost to the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had taken {$250.00} out from Moneylion back in XXXX of XXXX. Now not once did they reach out to arrange a payment plan they just constantly kept taking the money out of my account and it would bounce back due to lack of funds. I reached out to the company to assist with reversing the funds and I was introduced to a customer support representative who kept calling me the wrong name and never answered my question. He kept telling me ways to increase my cash advances. I still havent had my question answered all they could say is they will work on their communication. Its XX/XX/XXXX and I took the loan out in XX/XX/XXXX, this is the only time Ive ever had an issue with payday loan companies they usually always work with me to insure the money is paid back some how. You guys didnt do anything, made me serm very small for borrowing money

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was supposed to get my direct deposit on Friday XX/XX/28. In the XXXX I checked with my employer and they said they dont see the funds rejected or returned by my bank. I then called my bank, Bank of the West. I talked to a rep. He said they see it in the back house or office ( where they handle ACH ) they said I would be deposited Friday afternoon if not no later than Saturday XXXX I check Saturday XXXX, nothing. Called again they said same thing, it would be deposited Saturday night no later than XXXX I checked Sunday nothing. I checked Monday nothing. I called Monday XXXX, same thing wait till the afternoon. I checked Tuesday and nothing. It has been the same thing over and over and I just want my money. Ive been waiting 5 days for my money and nothing! This is outrageous why cant they give me my money! I worked for my pay I want it now!

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 2019-07-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter stating I was to receive a refund if my escrow account of {$2400.00}. I have always made my payment within the month due. If you pay your payment on a weekend, 5/3 Bank does not recognize it until their next business day, so the date you actually make your payment is NOT correct! Fraudulent! They state on invoices I am behind on my payment which I am NOT and therefore refuse to give me my escrow refund of {$2400.00}! 
I want my money immediately. Their customer service is like talking to a brick wall. No help at all. They state per my statement I owe {$6300.00} and I only owe My XXXX payment of {$2700.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Previously sent in identity theft form to XXXX. It was denied due to discrepancies. The account number is corrected and moving forward if these accounts continues to be furnished on my report litigation proceedings will continue with the help of CFPB. Please see attachment. Attached is my FTC 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 2023-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX XXXXXXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX My divorce was settled and the judge stated my ex-husbands name must come off the XXXX XXXX and XX/XX/XXXX was the deadline or it would go on the market. At the time that seemed like plenty of time to me and I never thought I could be at risk of loosing my home. 

XX/XX/XXXX My ex and I filled out all the paperwork and were told we would not have to re-finance that there we be an " assessment '' of the condo and a " processing fee '' and his name would be removed. 

XX/XX/XXXX the Assessment finally came in and I got it XX/XX/XXXX. I was told late XXXX I needed to gat a XXXX Deed and send in a {$900.00} processing fee and his name would be removed. We would be done. So I had an attorney draw it up and both I and my ex had it notorized. Then I took it to the court house and filed it with the county clerk. XXXX XXXX is no longer on the deed to my condo. 

On XX/XX/XXXX I overnighted the XXXX Deed and a {$900.00} XXXX XXXX XXXX and sent it certified mail. 

XX/XX/XXXX The Mortgage company signed for the package. 

XX/XX/XXXX XXXX deposited the check. Then passed my file to a new mortgage handler. 

XX/XX/XXXX I called to ask for an update on the name removal and they informed me they sent EVERYTHING including the check to the new mortgage handler and I would have to start from the beginning with them. 
XX/XX/XXXX XXXX in the XXXX Department told me 2x that the load was modified and that the name would come off within 7-10 business days. I explained to XXXX that I had to report back to my attorney a timeline due the the XX/XX/XXXX deadline and he assured me it might not be the first but it would be close. 

XX/XX/XXXX XXXX in Modification Department says the modification is not complete as they need the XXXX Deed. And that there is a 3 month trail before the name comes off. 

XX/XX/XXXX XXXX in Modification Department lets me know there is 60days after the trail is complete. Each time I report back to my attorney and the witholding of information is really hurting me! 

I typically call every Monday, Wednesday and Friday since XXXX and we are now in to XXXX. The new handler took until 2 weeks before my deadline to tell me me there would be a 3 month trail period then 60 more days. They never mentioned any of this in all of the many many many calls and e-mails. There was never a chance of me making a XX/XX/XXXX deadline. Everyone knew it every time I spoke to them and nobody told me. 

Since there was a judgement involved I had been keeping my attorney updated weekly and they are upset also at the treatment I have been getting and urged me to lodge this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone went online and processed an application for a Capitol One XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/2023. The bank called to verify that this was me and I told them No. I placed a freeze on all my credit processing reports as soon as possible. My concern is that these people may still have my personal identifying information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am asking for SLS to audit my account, since servicing XX/XX/XXXX my loan. They have failed to provide any documents with the proper information and correct balances. I want them to show me how my XXXX paid since XX/XX/XXXX how it was handled. I am asking for a complete audit on this account, not typed in a letter but I want the detailed actual document that they are going off of to present on this complaint. I need to know that my money was handled correctly and there is no fraudgelent activity taking place. With these incorrect balances they have reported to the credit agencies XX/XX/XXXX more than 90 days late. SLS has failed to provide correct documentation to support their response and show any accuracies. This account needs to be audited immediately. this is what is place right now -- -- Defamation of character occurs when someone makes a false and harmful statement about you. " XXXX '' is a defamatory statement made in writing or posted online, while " slander '' is spoken defamation. Those essential components of a defamation claim are fairly straightforward. I also have approved phone calls with this company refusing to give me details on this loan. 

correct credit report, explain to me why I got a bill over XXXX for XX/XX/XXXX. 
then explain to me why on their website does it say XXXX. I am demanding this company to audit this account as it is my right to have documentation of all facts to the account. They have failed to provide any legal documents that are correct to me. Provide me supporting documents to verify the two different amounts on this account. Calculate how much money has been paid on this account since XX/XX/XXXX and give me the balance. Then explain to me how they got the balances that they got. this is illegal and they are committing fraud. I need to know my money has not been tampered with or embezzled by someone is this company.

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 2020-02-21
Company: Allgate Financial, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JH Portfolio is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.

Company response to consumer: Closed with explanation