BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I submitted the following claim : I experienced an extremely poor customer service from Citizens Bank. First, I had troubles setting up an auto draft payment at all. I called several times ahead the payment due date to make sure it is confirmed and I was told over the phone that it was, but then two days ahead of payment I received a letter it was cancelled ( even though I got a verbal confirmation that I'm all set ). Second, I was finally able to set up an auto draft for my mortgage in the amount of {$3900.00} that covers my monthly payments and set the payment date for XXXX. The payment came through yesterday, but then I saw that Citizens Mortgage also charged me another amount of {$2600.00}. I called today both Citizens Checking and Citizens Mortgage and no one was able to explain neither who authorized this payment nor where it went to. My mortgage was in fact adjusted for {$3900.00} but not for {$2600.00} I'm attaching snapshots from Citizens Bank Deposit account where you can see two charges withdrawn by Citizens Mortgage and a snapshot from Citizens Mortgage where you can see that only the payment of {$3900.00} was account for. 

The company responded to CFPB but has not resolved the issue. 

Citizens mortgage has again withdrawn money from my account without permission for unidentified amount of - {$2600.00}. 
I request the refund immediately. 

Let me also project what's going to happen over the next couple of days. I had set aside amount of money for my actual mortgage payment which is XXXX, but now ( because of the unauthorized withdrawal ) there is not enough money on my account. How will my XX/XX/XXXX mortgage payment be covered? 

Also, my questions were not answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: WI
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:
Experian and this company processing this bankruptcy are both violating my FCRA and the FDCPA by lying about this verification for this debt. XXXX and XXXX bith removed this public record for being inaccurate and unverified but yet experian refuses to remove it because they dont actually require this company to present any proof of this collection. They do not have the right to allow companies to report unverified information without proof. I have requested a discovery that would include all the necessary documentation to prove this bill as an actually verified collection. They do not have the original contract with my signature agreeing to pay anything to anyone which is needed as proof also they will need to have all terms and agreements with me and the original creditor in order to place this on my report. They also need proof of my identification card as well as proof of my full social security number and address updated phone number etc. They have not provided any of these documents to verify this debt so they must 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 explanation
Consumer complaint received 2022-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 my bank which provides free alerts for me notified me about a hard credit check by Bank of America. I did not authorize this so immediately on the same day, I called B of A and told them it was not me who authorized them to both do a credit check and open a new credit card in my name. They quickly cancelled the card and told me they would take it from there. In addition, I immediately joined the 3 major credit bureaus XXXX, XXXX, and XXXX and put a freeze/lock on my credit. I also called my bank to put a verbal password on it. I believe the credit check only appeared on XXXX and Ive since called them and reported the fraud. They have or will have it removed. XXXX asked me to report it with your services here as well. Thank you.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 U.S.C 1681. 

Account : XXXX XXXX XXXX Account number : XXXX Date opened : XXXX, XXXX Account balance : {$6300.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX Account : XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX Account Balance : {$3000.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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 items of information, other than the 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 an accurate.

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 2023-02-10
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was taking Money out of the ATM XXXX at XXXX XXXX, the money was sucked back into the ATM amd not returned to the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On my credit reports, there are multiple names, phone numbers, and house addresses that do not belong to me. I have tried to get the items removed to better my credit, but I was unable to. I called XXXX, XXXX and Experian. Neither one of those companies obliged.

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 2023-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Late on a Friday night I received an email from Bank of America that a request for a new checking account had been created. I had been a BoA customer for years but closed all my accounts in XX/XX/2023 because I was so dissatisfied with their customer support and had no intent to ever deal with BoA again, but unfortunately some ID thief was able to successfully get BoA to open a new account in my name. I then called BoA regarding the fraudulent account and was on hold for over a half-hour before was connected to a person who then transferred me to another person who then transferred me to another person, of course being on hold between each transfer and none of them actually transferred the information I told each one of them so had to start over each time. In all, I wasted over an hour of my life with BoA today for something I never wanted/needed! I understand that ID theft can not be completely prevented these days so not complaining about BoA opening the account in the first place. My complaint is that BoA customer support has no straightforward path for what has to have become a common issue where people who are not actually clients of BoA need to speak with someone quickly to prevent further personal damage ( for a victim of ID theft ). Their automated phone menu and the BoA call agents were all pre-programmed to move forward with BoA account details and there was no option for callers like me as a non-BoA customer to easily address fraud involving BoA. 
Also, BoA does not seem to have any process to prevent this from happening again. They simply are going to close the newly created account ; I doubt they have any safeguards from another account being opened in my name in the future even though they now know my personal info/SSN has been compromised.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2022-04-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo opened a fraudulent account in my name. I spoke with a fraud department representative twice and she said it would be closed. The account has now been updated with my new address without my approval and has not been closed. The rep is now refusing to call me back when I get her voicemail. I never opened the account. I used to be a member but no longer am and havent been for 5 years. They said they couldnt tell why it was reopened. Wells Fargo has been know you open accounts in peoples names.

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 2022-06-17
Company: EQUIFAX, INC.
State: GA
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 the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states that 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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 explanation
Consumer complaint received 2023-10-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I discovered a fraud charge of {$4500.00} from XXXX XXXX XXXX  in my Wells Fargo checking account and nothing has been done that was promised to me by Wells Fargo. First, this company had charged me around {$800.00} around XX/XX/2023. I contacted Wells Fargo and told them It was fraud and asked them to stop the pending payment and make sure no additional charges could be made. They canceled my card and assured me that no charges could be made. I contacted the bank about a week later to check on this and they said that there were no charges at all from the rental car company and they could not find any record of the {$800.00} charge that I had previously seen pending. However, a few days after that I received a {$4500.00} pending charge on XX/XX/XXXX on the canceled debit card and reported the fraud the same day. The fraud department said there was no way that I would be held responsible for this especially because it was on the canceled card, but then Wells Fargo has failed to do Its due diligence and I have not received any of the money back. I have received fee after fee ( close To {$1000.00} ) because of being overdrafted and this is causing so many more issues than just that {$4500.00} fraud charge, which is a huge amount for me in the first place. I did not rent a car. I have not rented a car in years and I know nothing about this charge because I went directly to my bank because of the large amount. Please help me. Im so scared this is literally running my life and my daughters life.

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 2021-01-22
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
i have had a fraud alert placed on my EPPICard from the state of NJ and i have been on hold with customer service for 3 hours with no answer from a service rep. i can not access the funds until the fraud alert is resolved -- yet no one is available to help me or answer my call. I tried to use the website but due to the card being locked, i am unable to utilize the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Following my divorce, my former spouse and I needed to close our joint checking account and associated credit cards with Wells Fargo. My former spouse agreed to do this on our behalf. I found out later that even though the checking account was closed, there was still an a credit card open in my name that was paying for his XXXX account and a few other small payments totally under {$200.00} when I became aware of the still active account. Because the checking account was closed, there was no longer an auto-payment going to this credit card account and therefore my credit was damaged for missing a payment when I didn't even know it was still open and when charges were being made that weren't even mine. As soon as I became aware of the problem, I called Wells Fargo, paid off the account and had them finally close the credit card account. My former spouse paid me for the XXXX charges incurred and apologized. More recently, I tried to file a dispute with Wells Fargo to rescind the negative mark on my credit report but it was denied. I don't know what the Wells Fargo employee on the phone put in my dispute even though I asked them to send me a copy of it. Throughout my many years of having this credit card with them, I have made on time payments for years and never had an issue until this juncture of needing to close out joint accounts as part of my divorce and things getting messed up. I'm really hoping this can rectified so my credit isn't damaged.

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 2023-06-07
Company: EQUIFAX, INC.
State: FL
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:
I received My Credit Report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These Hard inquiries are hurting me from getting approved.I already reached out to the credit bureaus about the multiple times they keep violating my rights under 15 USC 1681b. I have also Attached the hard inquiries that do not have permissible purpose to be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: MI
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 received a report from XXXX bank from time to time. It shows that someone opened an XXXX account and then request an increasing the credit limit to {$10000.00}. But XXXX is saying that there is no activity going on in my account. Someone changed the address in my account and spend {$5700.00} from my account. That's what it shows in my experian account. But I never opened any account.

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 2022-12-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an American Express Gold Card in XX/XX/XXXX, with an offer to receive XXXX reward points for spending {$4000.00} in the first six months. In late XX/XX/XXXX, I noticed that XXXX points had been credited to my account. In early XX/XX/XXXX, I contacted AmEx customer service ( via web chat ) to ask whether these points were for meeting the spending requirement. Customer service confirmed with me that I had met the spending requirements. 

But then in XX/XX/XXXX, AmEx took away XXXX points from my account. I called in to ask. Customer service told me that it was because of a couple of refunds in XXXX and XX/XX/XXXX. This puzzled me, since they told me in XXXX that I met the spending requirement. If there were refunds in XXXX and XXXX, then they should not have credited the points to my account in XXXX, and should have not have told me in XXXX that I had met the spending requirement. 

The answer I received from AmEx was that there was a three-month delay in their system, resulting in the system not taking into account the XXXX refunds. I told them that this was unfair, and they promised me to conduct a review of the case. Then a couple of months later, they told me that after the review they were not going to change anything, because the system delay was not their fault. 

I believe that this is unfair treatment of customers, holding customers responsible for AmEx 's system fault. I would like to request for CFPB to investigate this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime online bank refuses to refund unauthorized transactions through XXXX XXXX on my account even with a police report and evidence chime completely miss handled my report an denied my claim and after XXXX deposited into my XXXX {$80.00}. XXXX {$300.00} XXXX {$140.00}. XXXX {$250.00} XXXX {$620.00} Even after filling police report and giving name, birthday of fraudsters i was denied my XXXX ever fraudulent claim

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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