BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hi, I contact you because I need your help, My Bank took from our account the amount of XXXX dollars for an alleged fraud ; On XX/XX/ 2017 a check was deposited in our account from the same entity for this amount for a job I do, the money remained for about 15 days in my account until I need it, now after almost two years the bank withdraws from my funds this amount saying that the check had a report of theft and that it was badly endorsed, this before being deposited, it is assumed and I already made them notice, that they should not have taken this check first for the report it already had, second because the endorsement did not belong the check of themselves and third party without having asked to identify the person who deposited it, now they want to make me guilty and they tell me that they do not know why they did it but that the bank has every right, it is not fair to me, it's a lot a money to lose it so I come to you to help me with this injustice, my family and I are desperate. 

Thank you very much for your attention and help, I await your response.

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 2021-10-01
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a XXXX  checking account on XX/XX/2021 with a {$400.00} bonus promotion. The bonus was to be paid upon 10 debit card ( checkcard ) transactions within 30 days of opening the account. I made 10 purchases to XXXX within the 30 day period. It is now XXXX and I still have not received the bonus as stated in the terms and conditions.

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 2021-10-01
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid 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:
As described in multiple phone calls and a detailed letter to TD Bank, someone who had stolen my credit card information purchased a laptop computer from XXXX XXXX, charging {$950.00} to my credit card with TD Bank. When I received an email from XXXX XXXX on XX/XX/2021, that the laptop was ready to be picked up, I immediately called TD Bank and notified them of the fraudulent charge. They canceled the credit card number and sent me a new one. I asked them whether I needed to call XXXX XXXX, and I was told that TD Bank would take care of that. In a letter dated XX/XX/2021, which I received by regular mail several days later ( I XXXX XXXX XXXX on XX/XX/XXXX, so I may not have picked up my mail immediately ), TD Bank told me they were closing the dispute they opened on XX/XX/XXXX, because the item had shipped to my home. This was not true, as the information TD Bank had received from XXXX XXXX established : it said that two free items that were supposedly shipped to my home ( I ever received anything ), not the laptop computer, which was picked up at the XXXX VA store, about a two hour drive from my home in XXXX. I followed up with repeated calls to TD Bank to explain this. TD Bank has created more than barriers to communication. They have created barricades to communication. When I and my father have called, repeatedly, we have been told that a request to reopen the investigation has been submitted, that we can't talk to the investigators who make the decision whether to reopen the dispute, that a supervisor will call us back ( none has ), and that the dispute is closed so we have to pay the full credit card bill ( due tomorrow ; of course, we are willing to pay the credit card bill except for the fraudulent charge for the laptop computer ). We asked for a street address so we could send a complaint and confirm receipt ( we wanted to confirm receipt because TD Bank 's attention to this matter has been sporadic and unhelpful ). We were given a post office box and a facsimile number, and were told there is no street address where we can send the complaint by XXXX XXXX ( none is listed on the credit card agreement or the credit card, either ). We attach the letter we sent, providing more details. At this stage, all we are asking for is that the dispute be reopened so that we are not liable to pay the charge or to be assessed interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: SYNCHRONY FINANCIAL
State: MA
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:
I believe my account was hacked

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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am applying for homes and Appt and fraud is on my account. I have never committed fraud and unsatisfactory credit is n my account. I have not gotten anything on my credit IIm 10 years why are things still lingering on my credit from ten years go

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 2022-05-04
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account had unauthorized transaction s twice, the first was taken care of. Now USbank card holder service, XXXX XXXX XXXX, XXXX, FL. XXXX, # XXXX. Will not let me get my money out of their bank. I've sent all the required documents verifying myself, yet they keep giving me the run-around by having me repeat the process over and over. Hanging up on me and blatantly lying about my account, my 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 2021-09-15
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sunrise Credit is attempting to collect a debt for which I do not owe. Furthermore Sunrise Credit never took any action to reach me about debt claims prior to destroyiing my credit report. Moreover they continue to report this account every day to the credit bureaus. Ive disputed with XXXX however they have not done their due diligence and have failed to remove this from my credit report. 

XXXX is Wrongly charging me for a closed account that my ex husband is responsible for, furthermore the amount they are attempting to collect is not correct and thus Sunrise Credit is reporting incorrect, invalid debt and it needs to be removed at once.

Sunrise also has continued to harass me with phone calls during the dispute process which goes against the fair credit reporting act.

Im attaching the following receipts that prove the equipment was returned and any amounts charged are incorrect I refuse to pay this debt and want all communications to cease.

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 2023-05-23
Company: EQUIFAX, INC.
State: NC
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:
A few months ago I notice that I was a victim of identity theft. I reached out directly to the creditors and reached out directly to the credit bureaus. Neither has been helpful in stressful situations. My identity was taken and I am suffering from the aftermath of it. Police reports have been provided to both credit bureaus and creditors to show that this matter is serious. 

The following accounts on my credit reports were due to someone taking my identity. An FTC complaint was filed and I am still unable to get any resolution : XXXX XXXX  {$660.00} charge off account XXXX XXXX {$870.00} charge off account XXXX XXXX XXXX XXXX {$10000.00} charge off account XXXX XXXX XXXX XXXX {$3700.00} loan account XXXX {$0.00} charge off the account and sold to another XXXX XXXX {$0.00} charge off and transferred

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently signed up ( less than a month ago XX/XX/2021 ) for Bank of America.s XXXX credit card promising benefits upon purchase of an XXXX ticket. I was extremely disappointed not to get any of the benefits upon purchase. Such as an automatic upgrade. I called BoA and XXXX. They could not give me those benefits. XXXX said I must wait until I get my card even though the advertisement was for immediate benefits. 

Despite these issues I kept the card, and a few weeks later, I went to pay my Bank of America bill. Upon viewing my account, I found BoA had already charged me an Annual fee of around XXXX dollars. I found this quite inappropriate, because I havent had the account even a month or even received the card in the mail. It seems unethical and unfair to charge an annual fee in the first billing cycle, especially because BoA had never declared this in writing. In addition the annual fee name is deliberately misleading to customers, who would assume, like other credit cards, the fee would be charged approximately 1 year past opening the account. I called BoA and they said there was nothing they could do. I find these practices misleading and unethical.

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 2023-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2023. I tried to send money to someone on XXXX. The bank called me asking me questions about it. The bank decided to decline the XXXX  transfer. The email I received was that they said no because I didn't answer the phone. They lied. I did talk on the phone with them. On XX/XX/2023, The XXXX XXXX app informed me that the withdrawal {$22000.00} and more from my account. I went to my XXXX app and found out I had no money ( over {$22000.00} withdrawal ) in my account. I was also trying to buy XXXX  through the XXXX XXXX but I kept getting declined. Since I was at work, I went to HR to find out how to remove my direct deposit. I have no idea where my paycheck ( ~ {$540.00} ) went since they closed my checking account on XX/XX/2023. Since they closed my account on XX/XX/2023, I tried calling on XX/XX/2023 from the letter I found in the app. I called the number in the letter and didn't get a straight answer. The customer service person was rude. She confirmed that my account was closed. She gave me a random number to call that wasn't Chase Bank. I have no idea who I called. I went to the bank on Tuesday, XX/XX/2023. Someone was asking everyone in line why they were in line. I showed her the app, and she led me to the phone. I talked to the fraud department, They said I was talking to the wrong department. I was transferred to another department. I have no idea who then I was transferred again. They told me to wait for a letter in the mail. I did get upset. It's now XX/XX/2023 and I have not received the letter in the mail yet. I still don't have my money of $ XXXX either. I have no idea where my last XXXX paychecks are from XX/XX/XXXX and XX/XX/XXXX. I've been getting the run around from Chase Bank. I have no idea why they closed my checking account. I can't afford to eat since my money is missing. I have no idea how I'm going to pay rent next month. I can't do anything since my money is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Bread Financial Holdings, Inc.
State: CA
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX are not accurate. 
15 U.S.C, 1681section 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 an 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 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 2021-07-07
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: U.S. BANCORP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am an American citizen and am living in XXXX. I concluded a wire transfer with the US Bank Wire Transfer Department on the XX/XX/2023. The document I was sent reads Date funds are available : XX/XX/2023. ( funds XXXX be available sooner than disclosed ). ( XXXX ) This transfer is from my account in the US Bank to my account in the XXXXXXXX XXXX XXXX XXXX XXXX The funds never arrived. My branch in XXXXXXXX XXXX  had transferred me to this department which took hours of being on hold as well as being transferred from several personal. 
I was not informed that the wire transfer was rejected until again after several hours and of telephone referrals. I subsequently tried to start another wire Transfer to no avail. I am currently in a legal battle with my husband and am being obliged to buy him out in oder to continue living in my house. This money is from recently liquidated stocks I have inherited. Also, I was able to complete this very same process last year. And yes the Internal Revenue Service was informed. 
One of the bank employees had informed me that I can only do this bank transfer in person and suggested that I just write a check. Similarly, I was in the middle of giving my information and the Bank representative said that she can no longer proceed past XXXXXXXX XXXX central time with a wire transfer and that I would have to call again tomorrow. She would give me a special number and remark my file in order to make the transaction run smoothly. The number was again an automated service and I landed once more on hold. 
I am at my wits end. Must I really fly to my branch office in XXXX XXXXXXXX to accomplish a successful wire transfer from myself to myself? 
Best regards, 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 explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NY
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: Ad Astra Recovery Services Inc
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: Account status incorrect

Complaint:
Ad  Astra Recovery Service   XXXX   XXXX  2013  Origional Creditor Name  XXXX    XXXX   XXXX   XXXX   XXXX  I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to  XXXX   XXXX  which the name do no match up in the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to you on the advice of XXXX XXXX XXXX 's XXXX with the hope that you can help me. I basically, through my lawyer, XXXX XXXX have been trying to avoid Foreclosure and am still in Mediation with NationStar/Mr. Cooper and have turned down there Modification offers of {$1900.00} and {$1900.00}. The original Mortgage payment was {$2200.00} on a mortgage of approximately {$310000.00}, this makes the modification {$270.00} and {$300.00}. I lost my husband on XX/XX/2015 and my income was cut in half so I was not able to afford the then current mortgage payment of {$2200.00} and also can not afford the two modification amounts of {$1900.00} or {$1900.00}. I feel that Nationstar/Mr. Cooper should make the modification offer one that would enable me to pay the mortgage and stay in my home of 25 years. That being said, my husband and I paid our mortgage on this home on time for 22 years. My now having turned down these offers and these, according to XXXX XXXX, being the only offers Nationstar/Mr Cooper will make, my lawyer has now initiated a " Short Sale '' pricing the home at {$150000.00} and an offer has been made. ( If I were paying a mortgage on my home being accessed at {$150000.00}, the mortgage payment with 20 % down would be approximately {$880.00}. ) The offer has been made by my neighbor and she would like to rent my home to me for a couple of years pending the marriage of XXXX of her daughters, she lives in the house next door and grew up there and her XXXX lives in the house on the other side which was her Grandmother 's home. I am asking Nationstar/Mr.Cooper to waive the " Arms Length '' Affadavit so that if the sale should be accepted that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nationstar/Mr. Cooper refuses to do this. I am XXXX XXXX XXXX on a very limited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Rents in this area are very expensive and I don't have the funds to move a great distance, I also have four elderly cats and a lot of rentals don't take cats. I am doing everything I can to stay in my home of 25 years and need help. Thanking you so much for your consideration.

Company response to consumer: Closed with explanation