BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX someone used my phone without my consent and sent them {$2500.00} to themselves. I did not know about this until my bank notified me via email of the purchase ( same day ). I filed a dispute claim through XXXX and through Wells Fargo immediately, as this was an unauthorized transaction. XXXX couldnt do much and told me to go to my bank. ( wells fargo ). 
I filed a claim as fraud/scam or unauthorized transaction ( XXXXXX/XX/XXXX. My bank gave me funds back for duration of investigation. XXXX months later, they told me my claim had no fraud occurred and took the {$2500.00} back. 
I then went to a banker at Wells Fargo and she worked hard to help get my money back this was on XX/XX/XXXX. The bank said they needed XXXX to send them my transaction history ( this was because I said I would never spend that amount on XXXX ). I have reached back out to XXXX XXXX XXXX XXXX XXXX XXXX  and they replied on XXXX XXXX XXXX all they told me was the claim was deemed done by the bank, and that it was up to my bank from here on out and never sent my bank my transaction history that my bank asked me to get. My bank said it had to be directly sent from XXXX and not sent from myself. Now Im stuck without {$2500.00} of hard earned money Ive even tried to talk to my banker again through email who helped me previously and have not heard back. They have refused to give my back my unauthorized transaction which should automatically be covered through the FDIC. This process has been ridiculous especially since Ive been a customer of Wells Fargo for almost 20 years. 
Todays date is XXXX XXXX and still nothing has been done or communicated. Up to now, the latest update I have is Wells Fargo said that my password and email match my XXXX account and thats the only info XXXX sent them. Obviously a scammer would have that info, but in this case my phone was used without my consent or knowledge and sent to a user Ive never sent money to previously, nor added as a friend on XXXX. After my bank asked me to get documents from XXXX, they ( XXXX ) never sent me or the bank anything. Its out of my control for them to send this info to my bank. All they said was talk to your bank and thats the last Ive heard from XXXX. My next step would be to talk to another banker, but that hasnt helped me one bit.

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: LAKEVIEW LOAN SERVICING, LLC
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My home was originally financed by XXXX. As best as I can make out, they sold it to XXXX. 
I was instructed, when this happened to submit my payments, online, on their website. 
I set up an account several years ago, and have been doing this, on time, and often with double payments. 
On XX/XX/XXXX, I logged in and submitted my payment, to be drafted from my bank, as I always have. I checked after submitting, and their records stated they had received my payment. 
I then went online on XX/XX/XXXX and made my monthly payment. 
I checked after submitting, and their records stated they had received my payment from my bank. 
A few week 's ago, I received a letter stating I had not made my payment in two months and was in danger of foreclosure.

After seven calls to XXXX, showing them where I had made my payments, they claimed to never have received it. So, I went to my bank to verify. My bank reported that XXXX had never submitted my request. 
I performed a direct pay from my bank account to XXXX in approximately the amount of XXXX. I then called XXXX again, checked my account, and it showed the money in the account on XXXX 's site. 
XXXX continued to say I had not made my payments, while the money was visibly in the account for all to see. 
After several phone calls, they finally applied the money to my mortgage. 
Two days later I received a letter saying XXXX had received two insufficient funds notices from my bank and that I was in danger of forclosure. They also said, going forward, I could only submit my payment via certified check or money order through conventional mail, that I was locked out of my account for XXXX months, until I could " prove my reliablity. '' I called my bank. My bank said that was not true, that XXXX never submitted my request. 
When calling XXXX, the XXXX states they recently were the victims of a XXXX  XXXX. 
When I bring this up to them, and tell them, I have done nothing wrong, they do not acknowledge their mistakes, and are endangering my home. I am feeling incredibly stressed, frightened, and terrified that they are going to try to take my home, and there is nothing I can do about it. 
My account is currently paid up. My next payment is due on the first, and as noted, I must go to the bank and get a money order, and physically mail my payment to them. 
From the very start, XXXX has had a very unreliable web site. Its behavior is very unpredictable. 
They simply will not acknowledge their company 's mistakes, and are victimizing, then blaming the victim for their failure. 
I am at a loss. I don't know where else to turn. I deeply need your assistance. 

Many Thanks, 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 2024-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These tenant screening companies are reporting an alleged eviction. I would like to know how this information was obtained.

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 2023-11-22
Company: ENOVA INTERNATIONAL, INC.
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Signed contract for XXXX dollars under net credit : deposit under different name.debits violating contract of biweekly debits on payment day; pulled a day earlier. Phone calls saying they can help me : because I was denied ; left voicemail XXXXdebits taken without permission since had to discover net credit was enova deposited funds ; very deceptive practice and acting without my consent by debiting since under contract I was not approved .will provide denial of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: Camino Financial Inc.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Camino Financial is supposed to be business lending ; however, they are reporting to my personal credit, making this a consumer matter. On XX/XX/XXXX, I requested a billing error investigation along with a cease & desist on all communication until the results were produced. The letter was sent by certified mail and was signed for by a Camino Financial representative on XX/XX/XXXX. 

According to the Privacy Act of 1974, no transaction history can be reported to credit reporting agencies. Camino Financial is, in fact, reporting monthly payment history, which is defined as transaction history. On top of that, once a billing error investigation has been requested, the company must stop all reporting, collections, and payments until rectified. Due to Camino Financial 's negligence in illegal reporting, I had XXXX credit cards cut their limits by over XXXX XXXX dollars. 

U.S Code 1666 states that all communication outside of billing error information must cease until the investigation has been completed. It is XX/XX/XXXX, and I have not received an email stating an investigation has been started. I have- however, received nine phone calls, seven text messages to my personal cell, and seven emails trying to collect a payment on this account where payments should be halted. This is wanton disregard for the cease and desist letter as well as the USC 1666 requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
account ending in XXXX and opened XX/XX/2015. Believe it was a XXXX XXXXXXXX XXXX XXXX This was repossessed without discussing options to pay or recover. The company refused to provide proof showing attempt was made to sale vehicle at fair market value and balance remaining in report is excessive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Someone opened a checking and savings account and debit card using my name, address, DOB, SS, and email account. 

Contacted Chase Banking Online at XXXX XXXX XXXX XXXX XXXX spoke with Fraud Dept . Who had to have my driver 's license number and other personal information? Was a report was filed and I would receive paperwork in the mail and the accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( Experian and XXXX ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.

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: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you 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 2024-01-28
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I told the company, Credit Acceptance Corporation, that I wanted to voluntarily repo my vehicle. It was towed away by my apartment. I notified CAC where to pick up the truck. They never got it. The tow company got a mechanics lien, retitled the truck and sold it. CAC sent one notice in XX/XX/2023 saying I owed {$24000.00} when the payoff was {$13000.00}. CAC continues to add delinquent marks on my credit report, with no way for me to settle the debt. They will not turn it over to collections nor can they be contacted directly. Their phone number goes to a medical life alret robo system. This is unethical and I will be continually punished for this with no way to make amends

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 2024-01-20
Company: Professional Finance Company, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone uses my information to fraudulently open a utilities account I have never live in Louisiana

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid of my balance, however they charged me some INTEREST FEE, without my knowledge, because I enrolled in paperless billing since my account was satisfied. Only for me to check my consumer report and notice MACYS has reported this information to a third party reporting agency without my consent and knowledge of and fees due. This is extortion and a violation of fair debt collection practices. According to 15 USC 1666b Timing of payments. Macys and their registered agents are for accurate information. This information is not accurate. I was returned a check for their error.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Received an email from Bank of America, stating that a letter was sent on XXXX XXXX containing a check or prepaid debit card. Which I never received. I was asked to call XXXX to update the records. They collected all the personal information including my SSi #, address and my security question & answers. I was given run around to different representatives. They put me on hold for XXXX minutes. I didn't get any answers except complete silence. I think my email and above phone # XXXX are fraud. The email was from 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 2024-01-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
In XX/XX/XXXX, I received a telephone call from a representative of Best Buy XXXX, asking if I had made several large purchases, including airline tickets on XXXX and XXXX XXXX. I said " no '' and asked that those charges be cancelled and my account closed. 

The representative assured me that would happen and I did soon receive a new XXXX card in the mail. ( I never lost the original card. It was in my possession the entire time these fraudulent charges were made. ) When I checked my account a couple of weeks later, the charges were still there. I telephoned Best Buy Credit Services and sent an online letter via their website, protesting the charges and asking that they be removed. 

On XX/XX/XXXX, I received a physical letter in the mail ( dated XX/XX/XXXX ), denying my request and " proving '' that I authorized the charges. Photocopies showed someone used a fictional name that was similar to mine, along with my home address and telephone number to purchase airline tickets. Passengers named " XXXX XXXX '' and " XXXX XXXX '' boarded the plane. 

I emailed immediately, pointing to ID theft and asking that the fraudulent charges be removed. I also telephoned Best Buy Credit Services again, making the same request. 

I received an email response saying Best Buy considered the matter resolved. 

I made several more phone calls to Best Buy and to Citbank ( co-brander of the XXXX card ). One person told me to fax a letter and a photocopy of my driver 's license to Best Buy in order to reopen the case. I faxed that letter on XX/XX/XXXX. I have heard nothing since. 

There is only one valid charge on my account : a {$51.00} donation to a food bank. I am happy to pay that once all the fraudulent charges are removed. 

Best Buy Credit Services has been extraordinarily difficult to deal with. I don't understand how someone can make so many large purchases without having the card and security code in hand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
When I applied for unemployment in XXXX  I ask for the prepaid card the first amount XXXX was put on a prepaid card that I never received it shows in my account on the unemployment website that the money went to the car but I never received the card I called Bank of America they stated that the money was in the account but the name did not match the social did the name did not I called unemployment office they told me it was a Bank of America issue and Bank of America stated the same thing it was an unemployment issue The unemployment office sent the money in under a different name but with my social security number Bank of America will not release the money because the names have to match I asked if Bank of America could just send the money back to the unemployment office they stated the unemployment office would have to call them and ask for it to be returned The unemployment office would not do that so the money is still sitting at Bank of America and I am unable to get it I have tried and tried I have all the information the name of the person that is supposedly on the car but it's under my social I have all of the information I got a police report You can check the unemployment website showing that the money supposedly went to the prepaid card that I never got but I am unable to get the funds

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 2024-01-25
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX personal loan, I dont know how to get it off my credit score. There is no amount due

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 2024-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Filed a dispute for transactions that were not mine and was denied and the documents the transactions on my account that was disputed was not consistent with my purchase 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
Consumer complaint received 2024-01-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was called via a spoofing scam in early XXXX. The number on my phone showed up as Wellsfargo. It was someone saying they were with the bank ; they confirmed all of my account info, balances and last transactions. They told me someone had stolen my credit card and had committed fraudulent charges. The last thing was that someone had initiated a wire for XXXX and in order to reverse it I had to wire the money back to myself ( this did not make sense to me but I trusted that they were from the bank ). They had put in a fake " XXXX XXXX '' wire recipient that was actually their own account. 
I completed the wire for XXXX and two hours later contacted Wellsfargo to check in on my " fraud ''. 
They said there was no fraud on my account but that the person I wired money to was actually the criminal. 
I asked that they freeze the wire immediately. 
I called dozens of times that day to confirm they had cancelled it and a week later found out they did not even try to contact the recipient Bank ( XXXX XXXX XXXXXXXX ) until XXXX that day ( over four hours after I called them ). 
They have denied my reimbursement requests and have said this was my fault because someone found out my password ( no one knows my password, somehow this account was breached and I was not notified by Wellsfargo ). 

Today, I found this article in which these people were victim to the exact same crime ( instead of XXXX, mine was a bank wire ) and they were eventually reimbursed : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I found this ( I have also filed a complaint with the CFPB ) In a XXXX ruling, the Consumer Financial Protection Bureau ( CFPB ) that oversees financial policies and regulations clarified their position that the Electronic Fund Transfer Act of XXXX, known as Regulation E ( " Reg E '' ) that " if a third party fraudulently induces a consumer into sharing account access information, '' that consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking access device. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief