BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-01
Company: U.S. BANCORP
State: MO
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:
XX/XX/XXXX, US Bank denied my business a line of credit, business credit card increase, and equipment loan. I called my local branch to see why I was denied. I spoke with XXXX XXXX, multiple times. She brought XXXX in on the conversation. 

I had a meeting with XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX. She ran my credit on XX/XX/XXXX ( second time ). 

XXXX said the underwriter declined my request due to bankruptcy in XXXX. 

This is the second time, within XXXX  months, I have been declined credit from US Bank. XX/XX/XXXX, I was denied a personal credit card. I came into the branch asking why because I know my score and credit history. The bank representative stated my score was above XXXX and my history was good and didn't understand why I was denied. She spoke with underwriters, and a few days later, I was approved for a personal credit card. 

Somehow, US Bank sent a Cash Flow Manager email with {$12000.00} XXXX  Loan in my previous business name. I never applied for a XXXX Loan in XXXX. 

I spoke with US BANK XXXX Customer Service they said they could not see what happened and that I would need to go into the branch. I called again. I spoke with XXXX. I was on the phone with XXXX for XXXX minutes. XXXX also said he looked at my business account and did not understand why I was denied. I left my information and time for his manager to call me back, but he never called me. 

I spoke with XXXX. XXXX said US Bank has reported " Paid as agreed, '' not " Poor credit performance with U.S. Bank '' US Bank approved me for a Business Credit a couple of years ago, so how could a bankruptcy from XXXX hurt me?

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 2024-01-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am an XXXX XXXXXXXX. One of my XXXX XXXX XXXX XXXX me their payment for their insurance. This is a common practice for payment. The payment goes to my XXXX XXXX account and I make the payment for the client. Somehow on this transaction, the client XXXX the payment and it went to my Regions Bank personal checking account. I didn't think anything of it and I just electronically paid the clients insurance from the account. Regions bank confiscated the money for XXXX loans that they have closed 6 months ago due to my ability to pay the loans. Instead of them paying the insurance XXXX their money, they paid themselves without my authorization. When I call them to ask them to give the money back because it is not my money, it is a client 's money. They refused to give the money back. I did not authorize them to make a payment to them and I did not authorize them to take money out of my account. This is not my money and I can be arrested for theft for taking a client 's money and not paying for their insurance. My Regions bank account number is XXXX. I need the money back to pay XXXX Assure for the client 's insurance. This is not my money and it doesn't belong to me. It surely doesn't belong to Regions Bank.

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 2024-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2024 around XXXX XXXX I was at the drive thru ATM of the Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I tried to withdraw {$760.00} and the ATM didnt give me the money but discounted the amount in my checking account. I immediately made the claim by phone and 7 business days have passed and the bank doesnt have any information about the case.

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 2024-01-31
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
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 XXXXXXXX all violated 15 USC 1681 c-2, 15 USC 1681 eb, 15 USC 1681b and 18 USC 1028A.

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: Avid Acceptance, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
Needed assistance with obtaining another vehicle because the vehicle I leased through the finance company will no longer be in my possession because I was rear-ended from someone that did not have any insurance and my insurance company first gave me an estimate to fix the vehicle you did not want to pay so they contact my finance company to pay them XXXX which the vehicle is at {$16000.00} which I had the vehicle since 2021 of XXXX and when I first got the vehicle it was at maybe XXXX so nothing went down under vehicle in a vehicle is at still XXXX not only did the finance company settle for the settlement from the insurance company they were not willing to help me with obtaining a new vehicle through them when I was not the cause of the accident

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 2024-02-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I hope this letter reaches you in good health and spirit. The reason why Im writing because I purchased a rental car from XXXX on XXXX for {$63.00}, XXXX  put a hold of {$300.00}. The {$300.00} is still in my balance but not in my transactions. This needs to be fixed. My transactions are not adding up with my balance because of that hold. I called yesterday and spoke to XXXX and she was no help and wasnt not even listening at all. I spoke to a man last week that saw what I was talking about. Can you please fixed my balance to reflect my transactions. This is on my credit card with Wells Fargo. Thank you very much for your time and help. Have a wonderful day and please continue to be safe.

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 2024-02-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have spent hours on the phone with useless Wells Fargo representatives, asked my son to get involved and visit branches across the country for me, submitted a formal CFPB complaint, so on and so forth. And somehow, Wells Fargo still does not get it. 

Here is a quick summary of events for you : 1. I had a credit card account with XXXX XXXX  at the end of XXXX. It was in good status with a XXXX balance. It had autopay setup and online statements. \n 2. Wells Fargo then purchased the account and in doing so deprived me of online access to the account in early XXXX. They sent me a new card. I put it in my wallet. \n XXXX. Shortly thereafter, I had a house fire and was displaced. I grabbed my cats, my wallet, and a basket of clothes and thats pretty much all I have now. \nMy entire life has been turned upside down during this entire dispute. I am *STILL* effectively homeless today, XX/XX/XXXX. I am still living in a temporary accommodation. I still do not have regular access to my mail, which is being sent to my son 's house halfway across the country where it piles up because there is nowhere else to send it. I have very irregular access to any written communication. \n 4. I have consistently asked Wells Fargo, for months, to allow me so sign up for online access to view my account so I can review my statements. I dont get them in the mail because I have no current address. They have categorically refused to do so and still have not solved the one thing I need : online access to see my XXXX bill. They have refused to update the phone numbers on the account when asked multiple times in hours and hours of tortured phone calls. They have demanded I visit a branch to prove my identity ( there are no Wells Fargo branches in Ohio, where I live )- I dont know what there is to say at this point. I give up. \n XXXX. I submitted a CFPB complaint after months of begging XXXX  Wells Fargo representatives to let me see my bill and enroll in online banking. I was expecting that someone with one ounce of common sense and decency might read the complaint, review the situation, and let me finally access my account. Instead, I get a letter like this blaming me for not trying hard enough to get through Wells Fargos INCOMPETENT staff while I am displaced from the fire. 

I dont know what to say at this point except I am not paying a bunch of bs fees for a problem Wells Fargo has caused ( stopping my autopay, refusing to allow me to set it up again, refusing to let me see my bills ) in the first place and refused to let me address despite multiple attempts over several months. Good riddance. Wells Fargo is a criminal bank and should be shut down. 

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 monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my 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 non-monetary relief
Consumer complaint received 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was the victim of check fraud in late XX/XX/2024. I called Bank of America to explain to them that I was a victim of fraud. They told me that the check should bounce and that my account should not be affected as long as I reported the fraud and do not spend the funds from the check. A couple of days later they closed my account without notifying me, effectively freezing the funds that I have in the account which I need to pay my bills and generally live my life. I have spoken to customer service multiple times explaining that my job has direct deposited my paycheck into an account that I have no access to. They advised me that the account will be officially closed on XX/XX/2024 which is more than a month since the incident has occurred. When the account is closed they will send me a check for the funds that were remaining in the account. I am currently taking out personal loans and asking family members for financial assistance due to the negligence of Bank of America and them lying to me about the fraud not affecting my account. If they would have told me with sufficient time that the account was going to be frozen for more than a month then I would have had the opportunity to move the funds out of the account. Now I am struggling with paying my rent and bills and groceries for my family. Bank of America has XXXX empathy for my situation, even after I explained to them that I was told that my account would not be affected. They claim that they can not send me the funds until the account is officially closed which is unacceptable due to things costing money and me not having access to mine. I was a customer with them for over 20 years and never expected to be treated like a criminal especially after I called them immediately after noticing that the fraud had occurred. They have a recorded conversation of them lying to me about my account not being affected but to refuse to pull the record to prove me right.

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 2024-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
In XX/XX/XXXX, I applied to SPS to cancel my private mortgage insurance as the loan to value ratio fell below the 80 % / 20 % for required private mortgage insurance. I submitted an application fee of {$450.00} for SPS to process the request. 

SPS recieved an appraisal from XXXX XXXX dated XX/XX/XXXX that valued the property at {$460000.00} ( that appraisal is attached to the SPS correspondence dated XX/XX/XXXX, attached ). As of the date of the appraisal, the mortgage balance was {$370000.00}, placing the loan to value ratio {$7000.00} short of the value necessary to cancel the PMI. 

I contacted SPS to point out several deficiencies in the appraisal that, if corrected, would value the property at a sufficient amount to allow for cancellation of the PMI. Despite several calls to request SPS to raise these issues with the appraiser, nothing was done. Finally, in XXXX, XXXX, SPS advised me to submit a formal " appeal '' of the PMI decision. I submitted that written appeal in XXXX, XXXX ( the appeal is attached ). 

After XXXX months and multiple follow up call, on XX/XX/XXXX, SPS again denied my request to cancel the PMI based upon the XXXX appraisal, without addressing any of the issues raised in the appeal ( the letter is attached ). 

Upon receiving the denial letter, I spoke with an ombudsman for SPS who advised me that my appeal was not considered as the appraisal was over 120 days old and therefore no review was possible. I requested that SPS request an updated appraisal from the the appraiser at its expense, but that request was denied.

I therefore contacted the appraiser directly and paid for an updated appraisal. The updated appraisal is dated XX/XX/XXXX, and valued the property at {$480000.00}, well above the threshold necessary to cancel the PMI given the current mortgage balance of {$370000.00} ( the appraisal is attached ). On XX/XX/XXXX, I again requested cancellation of the PMI based upon the XXXX valuation ( attached ). 

On XX/XX/XXXX, SPS again rejected my request to cancel the PMI without addressing the current value of the property ( attached ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, I have checked the response to me, which was provided at XXXX today, which claim number is XXXX. At first, in the dispute/complaint submitted on XX/XX/XXXX, I explained to your company that I am a XXXX nationality and born in 1972. In common sense, one who was born in 1972 is not worth in duty for the XXXX in any country except those who are high ranking. And I am a XXXX nationality ; therefore, logically, I can not understand why I am on duty in American XXXX. From all of these, it is clear I am not in the military ; therefore, the active-duty alert is not appropriate for a XXXX nationality and a person born in 1972. What I requested was to explain why you added this statement. As far as I understand on any legal paper, if the content says a statement, it must be made and written by the person in question himself/herself ; therefore, it should not be your company. Since you have added this part, you have received some statement from somebody. Since I know myself, I did not ask you to add, you must have known and acknowledged this person. If correct, then, your company had some part to cause me to add myself Fraud Alert in the end. If you believe yourself, you are not in part to cause this legal issue, you need to clarify the excuse legally to me. And, since you and another credit report company have created the condition which might be suspicious to cause the legal issue, identity theft, the fraud alert should not be removed. That was the reason I asked to extend the fraud alert. Therefore, I did not ask you to remove fraud alert itself. I request strongly not to mention any more these issues. 

Sincerely,

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 2024-01-29
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased tickets to go see XXXX XXXX perform. The event took place on XX/XX/XXXX the following year. Per the terms and conditions the ticket included a meet and greet, VIP access and a picture with XXXX XXXX. Additionally, the ticket included special merchandise that the VIP ticket included. Per the terms and conditions, we arrived on time to the event however, the event staff stated that we were not able to take a picture with XXXX XXXX and we were not able to collect the VIP merchandise. I called numerous times and followed up with XXXX XXXX however they refused to assist me and investigate. My credit card company also stated that the terms and conditions were and stated that I was in the wrong. I am really upset I had to put this much money down and not get what I paid for. I purchased 3 other XXXX XXXX tickets and didnt have any other issues.

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 2024-02-04
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I was a victim of a XXXX  as a XXXX veteran. Identity theft was done against me as a result of this with mortgage accounts opened with the following XXXX mortgage companies below XXXX. Amerihome Mortgage Company. XXXX XXXX XXXX. XXXX, NJ. XXXX Phone Number XXXX Mortgage Loan # XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, NJ. XXXX Phone Number XXXX Mortgage Loan # 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 2024-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
SPS my mortgage company ( SPS # XXXX ) has had since last year a copy of my Flood Insurance that is covered under my HOA. I uploaded the Flood Insurance Certificate onto SPS web site that allows you to upload documentation. That was done XX/XX/XXXX and on XX/XX/XXXX I received a email from SPS stating they received the documentation. With that said, SPS has been charging me every month since XXXX of last year an extra {$150.00} per month due to the fact they have never removed their Flood Insurance Policy and replaced it with my HOA. So at this time, I have been charged so far {$1000.00}. Even after speaking with SPS Insurance Depart ( XX/XX/XXXXXXXX XXXX XXXX ) where they stated that they do have my HOA flood insurances policy on file but never removed their to add mines! Now SPS states that they need to verify the Flood Insurance Policy that my HOA send to them before any refund can be made. I said no. You have had this since last year. Therefore, remove your flood Insurance. The agent said nothing else, and left me on hold for over 45min. Before, he hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: PA
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:
EXPERIAN INQUIRES 19inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  I Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2024

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