BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-03
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I fell behind with my mortgage company Amerisave due to long XXXX  I received a call from a company stating they were with Amerisave and would work with me through their hardship program .I paid XXXX dollars turn out this company was a fraud. Amerisave use XXXXXXXX XXXX XXXXXXXX XXXX XXXX  the have processed a foreclosures and auction off the house with out me being aware of it they also have issued a padlocking on the property for XX/XX/. This was the only notice I received they claimed they sent notices but no proof.I have a child with XXXX and a dog. I in the home 6 years prier to refinancing through amerisave I had the home build from the ground up.I contacted XXXXXXXX XXXX XXXXXXXX for and extention so I can find a place for my child and I .they also stated that they offered cash for keys never received anything of the sort.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: CITIBANK, N.A.
State: TN
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:
I have contacted the listed creditor to provide proof of consent without successful response from them. 
According with the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 ; I have the right to privacy. 15 USC 1681 section 604a section 2 which states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I find that the creditor has violated all of the laws stated above. I request that their reports be removed immediately.

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 2024-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Thursday XX/XX/XXXX I sent a XXXX  transfer of {$2900.00}. The transaction immediately stated pending review and the funds were removed from my checking account balance. I received a email on Thursday XX/XX/XXXX of the pending review and immediately contacted Bank of America on XX/XX/XXXX to see what is going on and If I can provide any additional information that could speed up the review to assist with my XXXX transfer completing. When I contacted on XX/XX/XXXX I was told there is no information needed from me at that time since the email didnt say to contact them. On the morning on XX/XX/XXXX Friday at XXXX XXXX I received a email stating to contact Bank of America regarding the transaction with a case ID in the email. I contacted them on XX/XX/XXXX at XXXX XXXX and spoke with someone and provided them all of the information requested and let them know the urgency of the request as it relates to my Wedding. They let me know that they can not provide a timeline but that most likely within 2 business days this should get resolved. Today Monday XX/XX/XXXX, I contacted the same phone number and spoke with someone named XXXX who was rude and unprofessional speaking over me on the phone and requested an update and he responded saying that today is the first business day this case has passed and that there is no update and I requested to speak to a supervisor and was connected to XXXX who stated that there is no escalation path to expedite the review of this transaction, and that there is no way to intervene for a customer to escalate the delay or expedite in any way. 

I also would like to mention this transaction review was initiated by Bank of America over XXXX discrimination due to not understanding the language written in the comments of the XXXX  transaction which was in XXXX  written with XXXX letters, where as my transactions with comments in XXXX written in XXXX get transferred immediately, but in this case due to it being written in another language the transfer is now being reviewed. This situation does bare resemblance to the case CFPB handled with the discrimination of XXXX  Americans by XXXX that was announced by CFPB in XXXX, and this is unacceptable on part of Bank of America.

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 2024-02-06
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a joint account with my son XXXX XXXX XXXX ) was a minor. When the account was opened, we opted out of overdraft protection. He has been having trouble canceling reoccurring debit card transactions. He already opened another account and moved all the funds to his new account and his joint account was {$0.00}. I confirmed when I called the Truist call center yesterday that the account was still opted out of overdraft protection. I asked why they approved a debit card transaction if we removed all the balance from the account prior to the debit card transaction since the overdraft protection was opted out. They stated they still approve reoccurring transactions. I asked them to provide a credit for the amount of the transaction ( {$23.00} ). They said they could not do that and could not dispute the transaction. I explained I didnt want to dispute the transaction. My dispute was with the bank providing an approval code for the debit authorization to the company without a sufficient balance and overdraft protection opted out. They should provide the credit themselves as it was their error. They said they could not do this. I transferred the money to my sons account so he did not receive an overdraft fee of {$36.00}. This is an unfair and deceptive practice and needs to be fixed.

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 2023-12-10
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter in XX/XX/2023 letting me know that I had not been provided accurate information regarding my student loan account and that I may have incurred a financial impact due to this issue. I was then sent two separate {$25.00} checks as " compensation. '' However, there are no details about what information was not portrayed accurately, how this impacted me financially, or anything else. I am able to apply for additional compensation according to the letter, but I have no details about what inaccurate information was provided to me, nor do I have any idea of how I was financially impacted. Therefore, I have no way of knowing what I could ask for from additional compensation. The letter is vague and does not contain pertinent information necessary to proceed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Negative impact of inaccurate appraisal

Complaint:
I submitted a complaint in XX/XX/2021 to HUD regarding the appraisal discrimination I received when I refinanced my XXXX Broker Solutions dab : New American Funding and the XXXX that they selected to use. A case number was established - XXXX. I have had limited contact from HUD and it will be almost 3 years. I do not know if my case is being worked since my emails are not responded to by XXXX XXXX or anyone else at HUD. 
The last communication that I received was from XXXX XXXX with XXXX XXXX copied on XXXX XXXX. That email stated that XXXX was on maternity leave. Let me remind you that this case was open in XXXX. XXXX was not on maternity leave at that time and was not following up with me and when I did hear from her she was short and curt in her responses. 

XXXX XXXX XXXX ( XXXX ) - case XXXX XXXX XXXX ( XXXX ) - XXXXXXXX XXXX supervisor XXXX XXXX ( XXXX ) - XXXX XXXX supervisor I am thoroughly disgusted with the lack of communication from HUD. It is not acceptable for an agency to claim that they will investigate your case, yet never follow up/follow through. There's been a lot of time wasted in which I could have retained an attorney and gotten better results. I'm aware that this is a newly created program under PAVE from the XXXX XXXX, however, that should not be an excuse not to follow through. I would like my case escalated. Home appraisal discrimination is running rampant and I'm not sure what more information/documentation is needed when just about every month there's a city that has a new report on appraisal discrimination.

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 2024-01-24
Company: DMB Financial, LLC
State: NE
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
No response to my question of which debts they said having paid 2 smaller one? Upon recieving a credit report from dept relief program it showed all debts still the same only amounts had increased in dollar amounts due to continued late fees and interest. So in fact they hurt me even worse then original amounts we started with! I was told from the start that i qualified for {$27000.00} i said i didnt need that much reguardless my debt was only XXXX to XXXX XXXX XXXX XXXX After they figuered the amount i was currently paying was {$800.00} + per month that they're loan to me would drop my payment to {$370.00} a month and asked me how that sounded i responded that would be awesome so happy i wanted to cry i even told them that ( embarressingly ) and so i agreed thinking im on my way to being debt free in a couple 3 years right? Wrong, after paying the {$370.00} a month for 10 months then finding out through the other debt relief peogram nothing had changed but gotten worse! I did a deeper dig on DMB FINANCIAL i foubd that they had been sued a couple years prior for the exact same thing they were doing to me so i immediately requested to stop do not do anything from that point! I aso requested an immediate refund minus a small fee im sure they to try and keep. That happened near 2 weeks ago i asked for an update as to where we were on closing my account with DMB and have not got ta a reply as of XXXX I did however get a text message/ voicemail from a female from XXXX XXXX or something but didnt understand it. In result ive seen nothing or have heard anything from anyone! Thank you XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have repeatedly asked for a statement so I can figure out what happened to all my deposits because the last time I checked, they were supposed to send me a statement and they never did. Instead, they close the account did not try to resolve any of the issues Ive been reaching out repeatedly for years for a statement And they have not sent me a statement!. They violated their contract with me by not depositing my funds into the checking account!. Bank of America has a policy about checking accounts, being overdrawn. You can not cash your check with Bank of America for the full amount. You only get XXXX bucks and thats it. Thats their policy not mine then when I checked the balance to see if the check had made it through had been deposited fully and it has not been deposited fully they closed the account, so I have no access to the statement to figure out what happened, this is fraud with a bank account This has been reported to the police and XXXX Washington, where the bank is!. 
Please be aware that I am unable to update my contact information on your website there is no option to edit the information so I will give it to you through this statement!. XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX WA 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 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX Scam in checking and saving accounts totaling XXXX. 
Claim : I sent money to one of my subleases ( XXXX XXXX ), who was supposed to take over my sublease in XXXX. However, the imposter claiming to be her claimed that she sent cheques to my apt building by accident as it was supposed to be delivered to her address. Thus, I sent multiple XXXX transactions to the request numbers. Out of all the transactions they were only able to recover {$3000.00} out of {$12000.00}. 
The representative that I contacted today stated that the only thing they can do is contact the recipient bank to get the accounts back, but banks have been refurbishing customers for imposter scams. I'm not sure where if they even have an option for refurbishments related to scams. 
Date of fraud reported : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Research Completed : The claim was not approved and only partially refunded XX/XX/XXXX : Research Completed Claim was not approved and was unsuccessful in recovering funds XX/XX/XXXX : Research Completed, the claim was not approved and funds were not reeovered. 
XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank There is one more attachment but I was unable to view it in my email ;

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 2024-01-29
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have tried to take the proper protocols to get this account removed from attachment with me. Im a victim of identity theft and Barclays is trying to make me take responsibility of this account when I have provided proof that I didnt have anything to do with opening my this account or opening the bank account that made payments to this account. Im about liable for anything because I didnt gain anything from this account being opened. They are ignoring the fact that I provided proof of me not making payments against their claim of me paying on 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 2024-01-28
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit collection service tried to collect debt impersonating XXXX. It is illegal for a credit collection company to buy debt and that voids my original contract with XXXX. So Id like to get it removed asap from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive been a checking/savings customer with USBank for more than 20 years and ALWAYS had a savings account. It was a no minimum account with some funds in it. I wont lie just before COVID I had one of a very few overdrafts that the bank decided to take the funds from my savings. This over draft did not exceed XXXX hours. Since I didnt agree to have them take from my savings I asked for them to transfer the money back. They refused and closed my savings account. Since Ive re-applied twice without success. The practices of banks are sinister. I only make XXXX a year with no way to save a few dollars at the bank I have my money with for convenience. Im so angry and perplexed that banks can literally stop you from saving money! How is this a free country?

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 2024-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and this is not showing on XXXX. Also, this charge-off account shows a {$9200.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

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: PENTAGON FEDERAL CREDIT UNION
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:
I contacted Pentagon Bankcard on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy

of Consumer Financial Information . I have not gotten a response from this company and they continue to report my
personal information to third parties.

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 2024-02-02
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:
Lies lies lies lies lies lies lies lies lies lies lies that's all Experian does this fraudulent crooked company says yet again, FOR ALMOST 2 YEARS EXPERIAN HAS BEEN WORKING ON THE ISSUE, scam scam scam scam scam scam scam scam AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the morning of XX/XX/XXXX, my car was broken into, and my wallet stolen. In my wallet was my debit card amongst other items. The debit card was taken to a bank nearby and the following fraudulent charges were made : Non-WF ATM Balance Inquiry Fee {$2.00} Non-WF ATM Balance Inquiry Fee {$2.00} Non-WF ATM Withdrawal {$100.00} Non-WF ATM Transaction Fee {$2.00} Non-WF ATM Withdrawal {$300.00} Non-WF ATM Transaction Fee {$2.00} This resulted in an overdraft charge of {$35.00} on XX/XX/XXXX when other planned charges were made to my account. 


I contacted Wells Fargo just a few hours after the charges were made. Wells Fargo responded two days later that the claim was denied and that they would send a letter to my residence with more information. I attempted to call Wells Fargo two times to get the matter resolved. On both phone conversations they were not able to fully go into detail why the claim was denied. The first representative I spoke with said that it was " impossible '' for the charges to be fraudulent because they used the PIN for my card. However, these charges and withdrawals were not made by myself or anyone I know. These were fraudulent charges. This was theft. I have provided an image of the letter Wells Fargo sent me that contained no extra " confidential '' information than the two representatives already gave me, but said that the letter included.

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 2024-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my copy of my credit report, noticed I have fraudulent account on my credit report.

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