BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a joint account holder along with my mother, who at XXXX is suffering from early XXXX. As such, I handle all of her financial affairs. 
On XX/XX/XXXX, a remotely created check for {$1500.00} was cashed against our checking account without our knowledge or consent. I became aware of this when I went to the ATM on XX/XX/XXXX to make a withdrawal and noticed that the balance was not what it should have been. I called the bank and was told that they'd have to close the account. This we didn't want because there were retirement and XXXX deposits forthcoming. 
On Monday, XX/XX/XXXX, my mother and I went to the branch to report the breach and were required to file an " Affidavit of Forgery, Alteration, Counterfeit or Unauthorized Remotely Created Check ''. My mother signed the Affidavit, as the check was drafted with her name and address on it. The Branch manager notarized the form, and we were assigned a case number along with copies of the complaint. The bank put a debit block on the account. We heard nothing from the Bank after that. For the record, neither my mother nor I authorized this transaction, received any benefit or merchandise, tangible or digital, as a result of this transaction. 
I began calling the Bank general customer service number and was eventually given the number for their " IFA '', Internal Fraud Alert Dept, XXXX, and I called them on XX/XX/XXXX at XXXX. After providing our case number and other identifying information, I was told that they initially sent the complaint to XXXX XXXXXXXX XXXX but realized that that was the wrong bank and that they then forwarded it to XXXX XXXX and was waiting to hear from them. I was told to check back. 
On XX/XX/XXXX at XXXX I called the IFA Dept requesting an update only to be transferred to another department. The representative, " XXXX '' told me that our case was cancelled. When I protested stating that we had not received any type of communication pertaining to this action, neither via mail nor message in their banking app advising that there was an important document. The best that she could offer was to open a new case and told me that they would be mailing us forms to complete to email back to them. 
This is unacceptable. XXXX days/ XXXX business days have passed since our account was compromised, and not only have we not been made whole, but must start all over. Again, unacceptable and in total violation of numerous laws and our rights as banking customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: M&T BANK CORPORATION
State: GA
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:
On XXXX  I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part. 

For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form 3811. 

The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints. 

I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor. 

see attached. it is XXXXXXXX XXXX per violation per federal law. 

And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information. 
I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO. 
I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently discovered that {$30000.00} in monies left to me by my late grandparent were wrongfully kept by Wells Fargo without my permission. Wells Fargo refuses to advise me of the account infromation and I of course have no idea what the account number. If I knew the account number, I would not be filing a CFPB complaint. After my grandparen died, she bequeathed certain funds to me. Rather than advise me of this bequeath from my grandmother, Wells Fargo secretly opened an account in my name, without my permission or knowledge. Wells Fargo illegally kept this account open for at least one year before advising me of the existence of the account. To date, Wells Fargo has failed to give me any information about the 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 explanation
Consumer complaint received 2024-01-13
Company: M&T BANK CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Upon closing this account, I was told that the {$42.00} refund check was mailed around XXXX XXXX XXXX XXXX. I still haven't gotten my refund check for a credit that was on my account since 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 non-monetary relief
Consumer complaint received 2023-11-19
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had lost my job due to Covid Pandemic, found a new job but then got into a car accident. I applied for a loan to help me out. They gave me this huge loan, which helped, but did not give me lots of info about the interest. I also added unemployment insurance with the loan. I ended up losing my job again due to XXXX. I asked them to apply the Unemployment insurance and sent paperwork to them multiple times but it was never applied and they kept charging me. Then I get a statement in the mail saying I was in collections with Nelson and Kennard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: DISCOVER BANK
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I submitted valid and up-to-date information after my Discover It Card verification process. Much later, I received an email about possible account deactivation, stating that the information I was presumed to be incomplete, illegible, or invalid. I have been waiting to receive my card in the mail after having this card on file for months. 

After an email stating they " were unable to verify personal information on your account, '' Discover closed my account without further notice. Now, I am ineligible to apply for a new Discover IT or Discover credit card after talking to three different customer service and account support, and from what I was told, even with my reasoning, I am now being excluded from reapplying and being accepted in the future for a Discover Card for which I was previously accepted. Even though I paid off the card before each due date and correctly used it, overall, it increased my credit score. From what I had been told, this error was address-related. This is likely regarding me moving over the summer for work, as I had changed the address on the account. I even submitted the correct form verification I was sent, yet my account was still deactivated. Now, with this being an issue, it has the possibility of lowering my credit score and making it increasingly difficult to apply for different credit cards. 

As a college student building their credit, I am attempting to apply for new Discover Cards. However, due to a simple miscommunication, my applications are now not equally considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Chase XXXX card for a few years. I called to close the account in XXXX. They told me the account was closed, and I destroyed the card. In XXXX they charged me an annual fee, and they just withdrew the fee amount from my checking account today. 

I called to complain. The customer service rep said she could not explain why the account was not closed in XXXX, though she saw that I requested to close it. She said there was no way to get the annual fee money refunded to me before XXXX. She said it would be refunded to my credit card account ( which is no longer in use ) in 2 billing cycles. I would have to periodically check the website to see if the refund posted, then file special paperwork with Chase to request that the balance in my account be sent by check to my house. 

Feels like a good system to skim extra fees off customers who aren't willing to put in extraordinary efforts to protect themselves and their money. I'm not sure if it's a pattern, but reporting in case it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX XXXX was not the initial mortgage company that I had when I purchased the house. I was having problems with my payment after being downsized in XXXX. Caught up until XXXX. I contacted XXXX XXXX and explained the problem. They said they could help. With a modification. Sent papers for me to complete. But instead of helping me they increased payment more than double.and added an additional XXXXXXXX XXXX  on to my mortgage In XX/XX/XXXX. I wanted to know where the additional XXXX came from. because I couldn't keep paying this high amount. And wanted this corrected IWhen I requested another modification. They sent documents that I didn't think they wanted to. Because it had documents shwing that they refinanced my home without my knowledge was that wa assigned a worker. I received 3 different letters naming 3 different people. XXXX of XXXX I was sent a letter saying that they had no program to help me at the time. .The pay off date for my mortgage is XXXX and I am sure I won't be alive. I am XXXX XXXX XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Payments are due on the XXXX of every month starting with XX/XX/. The XXXX payment was made on XX/XX/2023 and the XX/XX/XXXX, XXXX payment was made on XX/XX/2023. These payments were made before the 30-day reportable period occurred. The creditor can hold late payments against you for internal purposes, such as CLI reviews, assessment of late charges, or closure of the account, but they can't report to the CRAs before the 30-day late period. 

Yet when I disputed this information according to XXXX and XXXX they reported that the information was correct and that I was 35 days late on a payment. The evidence of payment date was uploaded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Due to egregiously reckless misconduct, Wells Fargo simply lost XXXX I properly sent to XXXX XXXX. He did not receive the funds- so where did it go - and how can Wells Fargo simply just lose XXXX dollars of peoples 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 2023-11-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Account Number : 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 2023-11-06
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
When I first called my mortgage company, United Wholesale Mortgage, back in XXXX of this year, I spoke with a representative by the name of XXXX XXXX. I was given ID number XXXX by him. I made it clear that my wife 's income would be reduced until XXXX or XXXX of XXXX as a result of her recent XXXX XXXXXXXX. They gave me an extension good until XX/XX/XXXX, for a period of XXXX month. I paid on XX/XX/XXXX ; the conference number that was provided online is below. 

On XX/XX/XXXX, you submitted your one-time payment draft for your loan ending in XXXX in the amount of {$1800.00}. The number for confirmation is XXXX. 

Then, in XXXX, they claimed that the check bounced and assessed a {$25.00} late fee. My monthly installment is {$1800.00}. 

On XX/XX/XXXX I contacted them seeing that their promise was given for an extra month 's extension. I shared in several communications with my wife who helps with the bills her income was put on hold due to XX/XX/XXXX XXXXXXXX XXXXXXXX and needed help back in XXXX, after they received the first payment in good faith as promised. I found out in that conversation with the litigation dept they misled me. 

So, I waited and reached out this time to corporate where they let me speak with a XXXX named XXXX XXXX, who listened to my formal complaint and corrected the issue by providing a forbearance extension for the next 5 months and removing the {$25.00} late fee assess and that would be receiving a form from the ligation showing all promise. She also said during this time there won't be any late charges or credit reporting. 

I later received a text message alert and email that the XXXX payment was late after I was told there would be no bad credit reporting to any agency during the forbearance that XXXX XXXX XXXX XXXX shared. I was so upset that my credit score of XXXX went to XXXX credit which was bad. What they did was a deceptive practice. I've filed with Texas Attorney General # XXXX My case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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, the following accounts have violated my rights : XXXX XXXX XXXX XXXX ( page 4 ), XXXX XXXXXXXX XXXX XXXX XXXX ( page 7 ), XXXX XXXX XXXX XXXX ( page 10 ), XXXX XXXX XXXX XXXX ( page 13 ), XXXX XXXX XXXX XXXX ( page 35 ). 

In accordance with the Fair Credit Reporting Act, the following unauthorized inquiries have violated my rights : XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), EQUIFAX MORTGAGE SERVICES ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), FACTUAL DATA ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX BANK XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). 

In accordance with the Fair Credit Reporting Act, the following inaccurate personal data has violated my rights : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( I have never lived here ). 

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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Torres Credit Services, Inc.
State: IL
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 seeing someone else details on my credit report when checked with " XXXX ''. I only have 2 credit cards on myself which are XXXX and XXXX  but I see there is a third credit card which is called " XXXX '' which does not belongs to me and someone is maintaining that credit card along with that there another account called " Torres Credit SRV '' which is some debt collection service and shows that I owe {$280.00} but I donot owe money to anyone or any credit cards. 

I make my payment on time. Because of there 2 reasons my credit score got dropped by XXXX points when checked with XXXX but when check with XXXX or XXXX my credit score is correct which I was expecting. 

I tried reached out to XXXX support and they raised fraud request on both companies and told me to file a police report as well which directed me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear Consumer Relations : I am writing to dispute a charge of {$5800.00} to my Macys credit card account sometime in early XX/XX/XXXX. The charge is in error because Macys XXXX XXXX Department did not thoroughly investigate this concern and charged my account for items I did not purchase. 

On XX/XX/XXXX, XXXX, and XXXX XXXX, many fraudulent charges were made to my Macys card, totaling to the amount of {$2900.00}. These charges were not made by me, as I have not shopped at Macys the entire XXXX and XXXX of XXXX. It was not until I made a furniture purchase on Macys.com in late XXXX XXXX that I noticed these charges to my account and that all of this time I had been making payments to these fraudulent purchases and not my own. Upon inquiring with Macys customer service, these charges were made at my local Macys but I havent physically gone to the store in that entire time. I called Macys XXXXXXXX XXXX sometime in XX/XX/XXXX and spoke with a representative who reversed these fraudulent charges, ensured that purchases I made were correct, and closed the account for safety, and assured me that the store will conduct a thorough investigation to include checking the security cameras in my local Macys to find the person who stole my account information. Again, I was assured that this would be handled promptly and efficiently. Based on previous statements, I do not make large purchases like the fraudulent ones and am very mindful of how I spend. 

On XX/XX/XXXX, I received a letter from the Macys XXXX XXXX stating that they did not find the investigation in my favor and had reversed all the charges back onto my new Macys card. Not only did they reverse the charges, but they double charged my account for an unknown reason, totaling the amount to {$5800.00}.

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 2023-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.

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