BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2022, on of the primary account holders received a text message asking to verify a XXXX transaction. Victim responded No and was immediately contacted by a person identifying themselves as a Wells Fargo Inc representative by the name of XXXX XXXX. The number displayed from the caller was listed as Wells Fargo Inc and was the same number as the number listed on the back of victim 's debit card. The fraudulent employee instructed the victim to log into their mobile app and change the access password. Believing the victim was being instructed by an authentic representative complied. The fraudulent party verified that there was a pending transaction and confirmed that once the password was changed the bogus pending transaction would be removed. Once completed, the scamster told the victim to allow 24 hours for changes to take place and not to login to their account during that period. At which point the victim became suspicious, ended the call and called the number listed on debit card. The Wells Fargo representative that answered confirmed that there had been no attempt to contact the victim from Wells Fargo and that there had been a point to point transaction through XXXX in the amount of {$3500.00}. A complaint was immediately filed as well as a police report ( XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The account holder DID NOT knowingly give access or authorization or approval for any XXXX transaction to any person, electronically or otherwise. The account holder did not know the person responsible for the transaction or that ultimately obtained authorization. The account holder was clearly a victim of fraud as defined under XXXX XXXX of the XXXX. The FAQ 's pertaining to XXXX XXXX of the CFPB explicitly detail the exact situation as it pertains to this case. A person claiming to represent the financial institution fraudulently obtained access to the account holder 's information and authorized the transaction unbeknownst to the victim.

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 2022-12-21
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance was due XX/XX/XXXX. On XX/XX/XXXX, I wrote to the mortgage company, XXXX, serviced by " Mr. Cooper, '' when they would pay. I received a note back stating that they would pay from escrow. Today, when double checking, I find that they did not pay and there was a note on my account that my insurance had expired, although they had not only my carrier ( XXXX  ) but my insurance policy number in their roster of escrow accounts. I paid the insurance premium myself with a credit card to The XXXX. I called XXXX, and wandered endlessly through their phone system. I was never able to speak with a person, and finally uploaded my policy documents through their website.

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 2021-10-13
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We have been a BB & T Customer for over 20 years. The BB & T service including unrestricted access to viewing our accounts online has been very good with no complaints or problems. Recently, with the finalizing of the merger of BB & T and SunTrust into the new entity Truist, we tried to access our checking accounts online.

Before we can access our accounts online, we must first " agree to '' or consent to a Truist Electronic Signature Consent, which among other items forces us to " agree to '' receiving monthly statements electronically, something we do not want to agree to. The Truist Electronic Signature Consent, states that after we agree to receiving monthly statements electronically, we can change our preferences ( opt out ) and received printed copies of our monthly statements, although the Truist Electronic Signature Consent further states that we " may be charged a fee '' for " opting out of electronic delivery of monthly statements ''.

If we do agree to or consent to the Truist Electronic Signature Consent, we can not log into and view our accounts online, something we routinely did with BB & T for many, many years with no issues or constraints. Essentially, Truist is now forcing us to " agree to something we do no agree with '' prior to allowing us access to our online accounts and implying, or in fact threatening if we subsequently opt out of the electronic delivery of monthly statements, we could be charged a fee. We are currently " locked out '' of our online access because we are reluctant to being forced to agree to something we do agree with, as part of the Truist Electronic Signature Consent. Again, no such constraint existed last week before the finalization of the merger when we could routinely access our BB & T online account. 

This process just went into effect on or about XX/XX/2021 and numerous calls to the Truist customer service phone line and discussions with Branch personnel indicated that there is nothing they can do about this Truist Electronic Signature Consent policy. 

Attached is a letter I forward to the Chairman and CEO of Truist on XX/XX/2021, expressing both our surprise and disappointment with this coerced Truist Electronic Signature Consent policy, which again is now preventing from accessing our online accounts. 

Can Truist force us to agree to something we do not agree to with an implied threat of a fee, if we first agree and then opt out, in order to access our online checking accounts?

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 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
This involves New Jersey unemployment money which I have been trying for over a year to obtain. Bank of America has committed many federal violations over the years. They have been under investigation under the RECO ACT. They violated my constutional rights this is the bank account number XXXX XXXX XXXX XXXX XX/XX/25 XXXX They are holding XXXX us dollars

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 2022-05-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.

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 2023-11-24
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continued and frequently calls to collect a debt for which I have no recollection of or obligation for. No debts appear under my name under any credit report from any credit bureau. The company uses scare tactics and threatens legal action to collect against debts bought in bulk that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has repeatedly called trying to collect on a debt I do not have any recollection of, with, for or otherwise am responsible for. No debts of any kind exist on any credit report, from any of the credit bureaus, under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX CONTINUES TO HARASS XXXX XXXX WITH NUMEROUS OF PHONE CALLS THROUGHOUT THE DAY ESPECIALLY WHILE WORKING AND SPENDING TIME WITH MY FAMILY. I HAVE REPEATEDLY STATED TO CEASE AND DESIST ALL CALLS AND TO SEND ME A LETTER IN THE MAIL BECAUSE I HAVE NEVER DID ANY BUSINESS WITH XXXX XXXX XXXX. I RECEIVED A LETTER IN THE MAIL STATING THAT XXXX  XXXX XXXX BOUGHT THE DEBT FROM XXXX  AND IS REQUESTING PAYMENT. I SENT A DEBT VALIDATION LETTER TO XXXX XXXX. XXXX XXXX SENT BACK A FALSE AND MISLEADING STATEMENT FROM XXXX. XXXX XXXX WENT TO CHECK HER CONSUMER REPORT AND NOTICED THAT XXXX XXXX XXXX ATTACHED TWO COLLECTIONS ON MY REPORT. THE OTHER COLLECTION FROM XXXX XXXX WAS FROM SOME BANK I NEVER HEARD OF BY THE NAME OF XXXX XXXX XXXX XXXX. XXXX XXXX AND BOTH CONSUMER REPORTING AGENCIES HAVE VIOLATED MY CONUSMER RIGHTS UNDER THE FDCPA. XXXX XXXX AND XXXX XXXX XXXX IS STILL IN DISPUTE OVER THE ALLEGED DEBT BUT YET THEY ALREADY DISPLAYING FRAUDLENT BEHAVIOR BY PLACING THE ALLEGED ACCOUNT IN COLLECTIONS. XXXX XXXX NEVER DID ANY BUSINESS WITH XXXX XXXX, SO XXXX XXXX SHOULD NOT HAVE ANY OF MY PRIVATE INFORMATION WHICH IS ANOTHER VIOLATION OF MY CONSUMER RIGHTS!!! TRANSUNION OR XXXX NEVER VERIFIED THE INFORMATION BUT INSTEAD PLACED IT ON MY CONSUMER REPORT WHICH IS YET ANOTHER VIOLATION OF THE FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: CA
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 contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is still inaccurate and your company STILL continuing to report errors on my credit file, which is causing damage to my credit score as well as affecting me in funding my business. According to 15 USC 1681 : I have the right to privacy and I did not give consumer report agency a written permission to furnish this account : Account name : XXXX XXXX XXXX Account number : XXXX Amount {$1300.00} I have previously requested that you delete these information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Credit agencies are govern by 15 USC 1681 s-2, they violated my rights numerous of times as well as 15usc6801, 15usc6802 states an ongoing protection of consumers rights may not disclose unless provided to the consumer and 15usc6803.

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 2020-01-07
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received continuous harassing phone calls from XXXX XXXX XXXX for 3 months, leading to my filing CFPB complaint # XXXX in XXXX. 
XXXX 's response to my filed complaint stated that the delinquent CC account number ended in XXXX, with a balance due of {$3800.00}, and was opened by someone with my name and the last 4 of my SSN. They further indicated that a notification letter was sent to me in XXXX, 2019, which I had never received. 
Being concerned about a potential compromise of my accounts by the Equifax breach ( or other? ), I put a freeze on all of my credit bureau accounts to prevent anyone from opening any account in my name. I was very disturbed to discover ( in reviewing my credit report ) that the record shows that XXXX XXXX XXXX had been allowed to access my credit reporting account!! This does explain how they came up with the last 4 of my SSN to use in their official response to my earlier CFPB complaint ( NOTE : My credit report clearly shows NO CC ACCOUNT ending in XXXX! ) This is/was clearly an attempt to SCAM me for a balance due on an account that they know I never had! 
My current follow-up complaint is due to XXXX XXXX XXXX now FALSELY inputting derogatory information into my XXXX credit report. My credit score has been 870+ continuously, until just recently dropping by more than 100 points! I have requested a copy of my XXXX credit report, but this occurred just as I have now received a letter from XXXX XXXX XXXX with their followup documentation justifying (? ) their harassnment. XXXX has included a copy of a letter that Synchrony Bank sent to the CORRECT PERSON (! ) at their CORRECT ADDRESS (! ) regarding THEIR account last XXXX. 
Copies of all will be uploaded with this complaint. Note that the XX/XX/2019 Synchrony Bank letter was sent to a different person with the same name who lives at a different address. I have never lived at any other address in Arkansas than my current address. This is clearly a continuing SCAM attempt to collect money that I DO NOT OWE ( and they know 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 2020-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company charged me finance charges, late fees and refuse to correct the delinquent remarks on my credit. The company is aware of me working overseas at the time of the instances. Ive sent letters repeatedly, the response Ive received is ; my letters are frivolous. Im seeking assistance in this matter or I will have no choice but to contact the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: MORGAN STANLEY & CO. LLC
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/23 I received a call to my cell phone at XXXX am from E*Trade phone number XXXX claiming a fraud has been committed with my debit card and it needs to be canceled and replaced. I only picked up because I believed you were calling me about a charge dispute with XXXX XXXX which they never addressed to my disappointment. 
During the course of that call, I heard the same hold music I hear when I call E*Trade Bank and I received codes through SMS messages in the same stream where I usually receive their SMS messages. 
There was no reason whatsoever for me to believe that call was not from them. And I was distracted and rushing to get out, so I shared confidential information with a person I had no reason to believe was not their agent. 
And the person committed wire fraud by wire transferring nearly the entire content of my checking account during that conversation. I do blame Etrade for not stopping that : I believe such a transfer should have triggered their fraud alarms and been stopped immediately locking my account, particularly occurring XXXX minutes after a password change. I have no idea how did that not rise any suspicion. 
He also locked me out of my account, claiming he needed to do that for security purposes and that he would call me at XXXX XXXX to reestablish my online access. 
Once I did not receive that call, I called Etrade, and they told me that the first call was not about fraud but actual fraud. By then I received emails and learned about the extent of the damage. I spent nearly XXXX hours on the phone with their fraud prevention XXXX who said that the transfer would be reversed and money credited to my account, perhaps by Tuesday, which is today, and the money is still not credited back. And today they returned a check for car registration that I mailed XXXX weeks ago and charged me the insufficient funds fee, adding an insult to injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with Capital on on XX/XX/XXXX as of today XX/XX/XXXX I have not received my debit card due to an error on their part. I was fine with this situation initially. I was using XXXX and online banking as needed to transfer money to my XXXX  XXXX XXXX account and back to pay for bills etc. today Capital One decided after I transferred my remaining balance into my checking account with them that they would lock out my XXXX access and Online Banking access. Essentially leaving my money in accessible my only option according to them is a transfer which according to them will take 3-5 businesses days. This defies common sense. It is their fault I am having to do everything through online banking to begin with because they didnt mail my card in a reasonable time frame so now I am expected to pay what will Amount to XXXX  of dollars in late fees between all my bills because they chose to lock access to my account arbitrarily because of too many logins it is their own system that requires so many logins its not like I like typing my password 30 times a day. This is a ridiculous policy which apparently they will implement but not a single employee within capital one has the ability to override even though the agree it is ridiculous. They you throw in the idea that they will gladly accept a wire transfer but my account is too new to allow a wire transfer to go out. Absolutely outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Opportunity Financial, LLC
State: ND
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Bread Financial Holdings, Inc.
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid {$10000.00} to XXXX XXXX using my navy federal card on XX/XX/2023. XXXX XXXX, XXXX XXXX, and XXXX XXXX, her team promoted turnkey XXXX XXXX XXXX XXXX rentals for a monthly XXXX. XXXX stopped once XXXX and her team received the money. That service was never rendered. The monthly profits were never paid out. In fact, it was all fraudulent. The link to the XXXX XXXX XXXX never existed. The apartment complex has stated she was never allowed to do such business in these apartments. The profit/ loss statements were copied/pasted. I have found XXXX other investors with the same unit number as myself, who have invested {$10000.00} or more each, same profit/loss numbers on their statement, and no profit for investors. I have filed a police report, along with XXXX people with the same complaints. She has been on the news, with multiple people accusing her of very similar scams. I have reached out to navy federal credit union, and disputed the charges, with no assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Up to XX/XX/2023 I have been on time with my payments. I had an unexpected emergency expense and wasn't able to make my monthly payments. Now, Comenity Bank is calling nonstop harassing me. I had already contacted the XXXX XXXX XXXX and they are going to work with my creditors. I have told Comenity this over and over and they still call and harasse me. I even told them, " cease and desist all communications with me immediately '' and they continue to harasse me. I want it to stop.

Company response to consumer: Closed with non-monetary relief