BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: IA
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:
In late XXXX, my brother XXXX received a letter from Wells Fargo that my deceased brother XXXX was entitled to a refund from Wells Fargo for deductions from his account for the Identity Theft Protection - Affinity product. A check for {$3000.00} payable to XXXX was enclosed. That has been distributed to his surviving relatives. 

There was also a letter addressed to my deceased XXXX, XXXX that she had been enrolled in the Identity Theft Program, and inquiring whether she had enrolled in it. 
After several phone calls to the Wells Fargo number, I was told a refund check would be sent to me in her name for {$1100.00} which will be distributed to her surviving children. 

I had another brother and a sister who were Wells Fargo customers in XXXX, XXXX. They are both deceased. I have called Wells Fargo at the numbers provided on the refunds to my brother and mother to see if my deceased brother and sister were entitled to a refund. I offered to provide Social Security numbers for my deceased brother and sister to see if they were entitled to a refund. Wells Fargo representatives said they could only search by addresses, and not by Social Security. When I gave possible addresses, they stated they could find nothing. They repeatedly told me they could not search by Social Security number, which was necessary for my brother and sister to open their accounts. 

We are at Wells Fargo 's mercy whether or not they owe my deceased brother and sister money for deductions from their accounts. My sister was in charge for my elderly mother and XXXX brother. If my mother had an account at Wells Fargo, my sister would have had XXXX also. The fact they can not ( or will not ) index by Social Security number or taxpayer ID number is ridiculous. 

Is the CFPB auditing this process? They should be able tell by Social Security number if there was an account for a deceased person, and whether Wells Fargo deducted money from their accounts for unwanted and unauthorized programs.

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 2023-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a charged from a business account to my personal account. I never agreed to the charge or fee. This is setting my account to be negatively affected to my Bills.

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 2023-12-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and Equifax, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a bankruptcy discharge and a Bankrupcy that is on my credit report, that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 
Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved. 
I am writing to formally file a complaint against [ XXXX ] regarding inaccuracies present on my credit report, which I believe are clear violations of the Fair Credit Reporting Act ( FCRA ), USC 15 1681 b USC 15 1681e ( b ) USC 15 1681s 2. I have also included XXXX and Equifax, in this complaint as they have reported the same inaccuracies. 

The inaccuracies in question pertain to two outdated accounts that were included in a XXXX discharge that took place in XXXX. As an educated consumer, I understand the complexities of credit reporting, and I am confident that the reporting of these accounts is in direct violation of my rights under the FCRA. 

Notably, I did not provide permissible permission for these outdated accounts to be reported on my credit report. This not only constitutes a breach of my privacy but also tarnishes my reputation and impacts my overall quality of living. As a conscientious consumer, I believe that a fair and equitable resolution is imperative to rectify these issues promptly. 

Enclosed with this complaint, you will find supporting documentation, including but not limited to : XXXX discharge documents from XXXX. 
Proof that the accounts in question were included in the aforementioned discharge. 
Any relevant correspondence with the credit reporting agencies and the creditors involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18
Company: CITIBANK, N.A.
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 XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.

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 2024-01-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a bill for {$22.00} on an account I had closed months before. When I called they said it was for my Cash Advance Account that hadn't been closed. I advised them I went to the bank, closed the account, theny said I owed some money, which I paid, then the owed me money, which they paid, then they cut up my bank card and I left. Months later I get a bill for {$20.00} for the Cash Advance.

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 2024-01-23
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I noticed an unauthorized transaction that was made on XX/XX/XXXXXXXX  and notified Ally of the unauthorized transaction on XX/XX/XXXXXXXX  via their dispute process. My account was credited and I moved on with my life. Then on XX/XX/XXXXXXXX I got a notification for an unauthorized transaction and upon calling Ally, I was informed that Ally had determined that the charge was authorized and they were taking back the credit from this transaction. 
When I asked how I was being held liable for an unauthorized transaction, I was told that the team that investigated the transaction had determined that the transaction was authorized, but I wasn't able to speak with anyone involved in making that determination. I was also told that I could submit further documentation to show that the transaction was unauthorized. When I mentioned that I couldn't prove a negative, they didn't seem to care.

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 2024-01-17
Company: WELLS FARGO & COMPANY
State: AE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To whom it may concern, I am writing to file a complaint against Wells Fargo regarding an unauthorized wire transfer that has resulted in substantial financial loss. I am an XXXX XXXX XXXX  protected under the Servicemembers Civil Relief Act ( SCRA ) and military consumer protection and had taken proper steps within regulation in order to recover the loss. 

Details of the unauthorized transfers are as follows : Background : The victim encountered a scammer on XXXX XXXX on XX/XX/XXXX, who later moved the communication to XXXX. Over the course of a month, the victim was enticed into investing in virtual crypto mining with promises of high returns. As the victim grew suspicious and determined that this was a scam, any further authorization for the transaction was suspended promptly to prevent further information loss. It is believed that the scammers may have worked in teams, employing hacking and other tools to access the victim 's banking and personal information, including the location. The victim had asked the only family member who had authorization for the victim 's account regarding making any further transactions, and the family member did not initiate any. 

Bank 's Involvement : Despite the victim 's suspension of actions and contacting the Wells Fargo Fraud Center, the bank did not appear to be aware of the breach and allowed unauthorized electronic transfers to take place. Wells Fargo seemingly failed to detect the breach, even though a checking call was made from the bank to verify the actions, indicating a lapse in security. Wells Fargo claims that the verification is based on the remarks of transactions made for tuition related. The victim, however, is entitled to receive GI bills for education and has no intent nor needs at the moment during the XXXX XXXX  to involve uncertain high return investments, especially during the period when the macroeconomic condition is severely risky. 

Financial Loss : The victim incurred a significant financial loss of approximately {$90000.00} to {$100000.00} from XX/XX/XXXX to the present, with a specific loss of {$75000.00} from Wells Fargo. 
I have already taken appropriate steps by filing a police report and an FBI online fraud complaint. As an XXXX XXXX XXXX XXXX, I am aware that I am entitled to protection under the SCRA and military consumer protection, as well as reported to the cyber safety manager within the organization, and this unauthorized transfer raises concerns about the security measures in place at Wells Fargo. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to address the financial exploitation and breach of security by Wells Fargo. 

Thank you for your prompt attention to this matter.

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 2024-01-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a purchase online via Lowes website and chose Lowe 's pay on XX/XX/2023 through Synchrony bank, pay later loan, I purchased multiple products, part of the items received were sent damaged, I made Lowes aware of this at the beginning of XXXX through customer care and spoke with a XXXX. I had a meeting with a virtual designed on XX/XX/2023, he was advised prior and at this visit. He made arrangements with the local store over getting the merchandise picked up and returned. I was advised that once they were received in store that a refund would be put on my account. I have never received that refund. Synchrony bank is not showing a refund, Lowes is telling me that they did. Synchrony bank is not honoring my early payment before my due date and I am being charged interest and late fees for products that I do not have in my possession. I made a payment to them on XX/XX/2023 prior to the due date of XX/XX/2023. I made a payment that was above the minimum payment for the account. I am disputing the charges with Lowes and Synchrony bank. The information I have and what was shared with me does not match there records or what they are telling me. I have emails with Lowes and a recorded call with an employee at Synchrony Bank of these disputes and nothing is being resolved in a timely manner and it is impacting my credit and the information I signed.

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 2024-01-15
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was threatened by SUNRISE CREDIT SERVICE and told I needed to pay {$960.00} or the debt will stay on my report even after the statute of limitation. I contacted XXXX and disputed the information and requested that they validate the debt and they too have not responded with a legitimate Debt Validation Letter or Original contract. The company is non compliant and refuse to confirm what the debt is for or when it was opened.

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: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My escrow accounts keeps failing into the negatives. I havent missed any payment so Im not understanding why Im constantly having a negative escrow balance. I tried to call company but the phone system isnt allowing me to speak to anyone. I feel like my payments is being mishandled and Ive had similar problems before on this issue.

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 2024-01-23
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not aware of this account being opened. There were no attempts of communication prior to me seeing this collection pop up on my credit report which is how I became aware of the fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: Experian Information Solutions Inc.
State: MO
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:
2nd closed computer generated response that is total nonsense. Clearly this morally bankrupt company is still stalling

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 2024-01-19
Company: CITIBANK, N.A.
State: CT
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:
On XX/XX/2023 I purchased and paid for two items from XXXX. One for {$5.00}, the other for {$6.00}. On XX/XX/XXXX XXXX billed my Citibank CC {$120.00} for an item that I did not order. On XX/XX/XXXX XXXX billed this same card {$110.00} for another item I did not order. After calling and writing Citibank about this scam and fraud, they gave me conditional credit for both amounts. On XX/XX/XXXX Citibank said it was permanent. Citibank then later reversed this permanent decision claiming they received proof of delivery from the merchant. I tried pointing out to them that the proof they received was only for the first two lower priced items and nothing else was ever ordered or delivered. It fell on deaf ears. 
I was a corporate client of Citi for over 20 years and this personal account for about an additional 13 years. I explained to them that I would pay everything I owed them on the final bill BUT those fraudulent bills that are in dispute. The only reply from them was, we will keep billing you with interest and fees. The have also contacted the credit reporting agencies and my credit has dropped from XXXX to about XXXX. The original amount they claim I owe them was {$240.00}. With fees and interest, it is now {$370.00}. 
I would sincerely appreciate all help and consideration that this agency can do. I feel I am XXXX against XXXX of the banking world.

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 2024-01-19
Company: CITIBANK, N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Dear Citibank, Subject : Request for Release of Jetski Title - Paid in Full I am writing to express my concern regarding an unresolved issue with the release of my jetski title. On XX/XX/2022, I completed all payments for my jetski, financed through your institution. However, as of today, the title has not been released to me. 

Despite numerous attempts to resolve this issue through customer service calls, there has been no satisfactory progress or resolution. This delay is particularly concerning and unacceptable, considering the jetski is fully paid off and the title release should be a straightforward process. 

The ongoing delay has caused significant inconvenience, and I am seeking your immediate attention to rectify this matter. As a customer who has fulfilled all financial obligations, it is reasonable to expect a prompt and efficient service in return, especially in matters as crucial as title release. 

I kindly request that you expedite the release of my jetski title and provide a clear timeline by when I can expect to receive it. Your prompt and effective resolution in this matter will be highly appreciated. 

Thank you for your attention to this issue. I look forward to a swift response and resolution. 

Sincerely, 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 2023-12-16
Company: FISERV INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding unauthorized charges made to my account by XXXX. My name is [ Your Name ], and my account is associated with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently discovered that a total of {$760.00} has been deducted from my account without my authorization. I have never used Clover 's services, and I explicitly agreed to an arrangement that stated no charges would be incurred if I did not utilize the service. Despite this agreement, I was charged {$22.00} monthly for a period of 18 months, along with an additional unauthorized annual fee of {$99.00}, totaling {$760.00}. 
I am extremely disappointed and frustrated with this situation, as I had trusted Clover to honor our agreement. To make matters worse, my attempts to contact customer service were in vain. I spent nearly an hour waiting on hold, but no one answered my call. Frustrated and left with no other option, I had to take the drastic step of blocking my account to prevent further unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a charge of XXXX from Sunrise Financial that is related to and XXXX account I have never owned. 
I have never been associated with the physical address, the email address, or the phone number linked to this XXXX 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 2024-01-18
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My billing was set at {$110.00} per month, and whenever I called to terminate the account the XXXX transferred me to their Retention Dept. We would come to agreement to keep the billing at {$110.00} per month ( see statements attached ). However, in XX/XX/2022 billing the amount due was {$200.00} ( see statement ) I called and again they transferred me to Retention and promised to set back to {$110.00}. This time I told Retention I wanted to terminate services I could not waste time calling every six months. I requested return authorization of equipment and sent back ALL equipment by XXXX ( see attached ) See XX/XX/XXXX statement for the final payment I made {$130.00} however they were charging my account far above the amount Retention  and I had agreed. XXXX or Sunrise needs to review the calls made with XXXX Retention ' and STOP making verbal agreements to reduce the billing just to keep customers - false statements were made by Retention Dept . and the Retention Dept never made the adjustments to the account once I told them I was going to terminate.

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