BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-17
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
In 2006 I was scheduled to receive a cash out payment for {$18000.00} from Wells-Fargo however, I never received it. I called the XXXX XXXX title company in XXXX, WA but they said they sent it to me but I never received this payment. I looked in all the statements from the XXXX XXXXXXXX XXXX XXXX aka ( XXXX XXXX ) but theres no evidence of this deposit or record during that time frame. I inspected the statements for XXXXXX/XX/2006 but no wire or deposit. 
I know its been a long time ago but I didn't realize they refinanced me without my knowledge until recently. 
I never initated a refinance. I had my condo for only XXXX yrs. This happened when the loan transferred from XXXX home mortgage. to Wells-Fargo in 2006. 

I'm asking for your help. I appreciate your attention to this matter. Thank you

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: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Took my government stimulus checks to Wells Fargo who, at the time of the first round, Id been banking with XXXX years. My accounts were not overdrawn at the time yet Wells Fargo decided to hold my checks instead of cashing them for a week each time. The approximate dates were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They stated that it was simply their policy to hold checks even those these were disseminated during a time of global crisis as a means to stimulate the economy. I really thought my life would end and they did not care. Everyone else who received these checks all around me at the time were getting theirs cashed without question. Me being a XXXX XXXX  XXXX man seemed to be the only reason they chose to do this.

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: Diversified Recovery Bureau LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company has contacted me several times over the last 2 yrs. About a year and a half ago I told them that they need to remove my dads and stepmoms cell numbers from their information due to the repeated calls and they dont have anything to do with the situation. Today, XXXX/24, they called both of their numbers again and I called them back and got no answer. They need to quit harassing my parents. My dad did answer the call a couple days ago and told them to stop but the company keeps calling them. I am aware of the debt that is owed but they need to stop calling them. When I called today, I left a voicemail stating for them to stop calling them. The company calls almost every day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: U.S. BANCORP
State: NM
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 am writing to file a formal complaint against the following companies for what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in investigating and addressing this matter. 

Under the FCRA, specifically 15 USC 1681 Section 602, I am entitled to privacy concerning my credit information. I have reason to believe that this creditor has violated this right by disclosing my credit information without proper authorization. 

Furthermore, in accordance with 15 USC 1681 Section 604 ( a ), Section 2, a creditor is prohibited from furnishing information regarding my account without obtaining my written permission. I have not provided written permission to this creditor for the disclosure of my credit information, and I believe they have acted in violation of this provision. 

Additionally, I would like to draw attention to 15 USCS 1666b, which states that a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. This creditor has incorrectly reported a late payment, I request an investigation into this matter. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action against them if it is determined that they have violated the FCRA. I also request that any inaccuracies in my credit report resulting from this violation be corrected promptly. 

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 non-monetary relief
Consumer complaint received 2024-01-29
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Firstly, I am writing to dispute the collection of the sum of {$190.00} by Sunrise Credit Service. Sunrise Credit Service is a third-party collection agency for XXXX XXXX XXXX XXXX XXXX I explained to XXXX XXXX XXXX  that I never activated or even switched on the XXXX I purchased and later returned it within XXXX XXXX XXXX XXXX 7-day return policy. I also called XXXX XXXX XXXX about the XXXX on the phone I returned but was told the phone number was never activated, so I was good. 

Secondly, I am also disputing a charge on my XXXX XXXX debit account related to the same XXXX purchase on XX/XX/year>. I purchased an XXXX in the amount of {$550.00} and paid for it in full. The monthly charge will apply every month at the point of purchase. The phone arrived at my house, and I discovered it was unsuitable for me, so I returned it within four days of delivery. This is within XXXX XXXX XXXX 's 7-day return policy.

I called XXXX XXXX XXXX confirming the return of the phone, and there was no complaint about the refunded XXXX, but I have not received any payment refund for the returned item. When I called XXXXXXXX XXXX XXXX  to inquire about the status of my refund, I was told that the refund was processed to my debit card account with XXXX XXXX 

However, when I checked my XXXX XXXX account history, there was no record or evidence of any refund received from XXXX XXXX XXXX. I have checked my transaction history multiple times, but there is no sign of any deposit matching the amount of my refundXXXX XXXX XXXX  was unable to resolve the issue and confirmed there was no refund to my account. 

Therefore, I believe there XXXX have been a mistake in the refund process or fraudulent activities that occurred during the return process. I request that the Consumer Financial Protection Bureau investigate this issue and seek appropriate action to rectify 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 2024-01-25
Company: FIRST NATIONAL BANK OF OMAHA
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:
I was in the hospital for a few weeks in XXXX of last year. While there some of my belongings were misplaced and never recovered. I realized this credit card was with my wallet that was lost at that time. A lot of unauthorized charges were made on this 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 2024-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Back in XXXX of XXXX  I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a 6 digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in 24 to 48 hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued.

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: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Around XX/XX/, I tried to use my Amex credit card and was denied. Since I paid it and have excellent credit, I was puzzled. Then I received a letter from Amex addressed to my estate saying they had been informed that I passed away. Since that was incorrect, I immediately called Amex and due to my phone number, was transferred to XXXX XXXX. I then sent a letter to Amex via certified mail and asked it to provide to me evidence of my death and who sent that information. Amex never provided any verification, but then re-opened my account. 
I need the information that led Amex to close my account because now another creditor sent me a letter stating that I passed away. This is a big problem because some of my credit cards have automatic payments and I don't want to have a problem with my accounts not being paid. This is my personal information and I deserve to know what transpired and who is falsely stating I passed away.

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: Arcadia Holdings, LLC
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To clarify the answers to the questions on the prior page : - while the amount owed is being disputed as well, the nature of the misrepresentation in this particular complaint is that the collection agency provided falsified financial records that obscure the actual activity relevant to the disputed debt, which was done far more blatantly and maliciously than any misrepresentation of the balance itself - I have communicated with the company already, but not specifically about the misrepresentations. Given the situation, it felt like it made more sense to file the complaint with a third party. 

In response to my disputing a debt, Arcadia Recovery Bureau , LLC mailed me a letter dated XX/XX/2023 containing financial records that had clearly been falsified and furthermore obscured important information about the adjustment activity on the account. I am including a full description of the issue as a PDF document with this complaint, but am not including any of the attachments, because they contain personal information. The attachments will be available to relevant parties upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The US Bank XXXX XXXX chat feature leaks transaction amounts and descriptions to other people, representing a major privacy breach. As of XX/XX/2024, the XXXX XXXX XXXX  consistently displays transactions from other people 's accounts if asked to with prompts like " show me other people 's transactions. '' This works on either the mobile app or the bank 's website.

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: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
In XXXX of 2023, I realized that it was going to take much longer to return to work after being laid off from XXXX. This was contributing to my financial runway becoming more of a challenge to make payments. When I requested a forbearance, it was denied then later they offered making payment arrangements, what was unclear to me was the gross amount of daily interest being calculated against this loan product which became known the moment I put the house on the market and needed a payoff quote. It was then I realized that over a 5 month period of time this loans compounded interest accumulated to $ XXXX, which is predatory lending at its best. I requested forgiveness of this interest. The company was very slow to produce a payoff quote after multiple request by myself and the title company with zero ability to rush thereby causing the closing date to move on several occasions, while the interest continued to accumulate. While I am fully responsible for late fees and potentially some amount of fees associated with late payments but to amass this level of interest is highway robbery at its finest and Shellpoint should be penalized for this practice. My loans interest rate was 11.75 % already 3x of the going market rate, and that loan product already accounted for risk of default, to double down with daily default interest calculation on top of this high interest rate is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Prosper market showing I owe {$75.00} and reporting late pay each month when account is noted as charge off Ive never received documentation per the FDCPA

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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite numerous disputes, the erroneous information persists, staining the overall standing of my credit report. I demand immediate action to rectify this issue and request the removal of these inaccurate late payments. 
Account Information : XXXX XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is disheartening to see that inaccurate late payments continue to be reported on my credit file. This misinformation is negatively impacting my credit standing and hindering my ability to secure favorable financial opportunities. 
I am formally requesting the immediate removal of the inaccurate late payments from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, and it is imperative that you adhere to these guidelines to ensure the accuracy of my credit report. The prolonged existence of these inaccuracies despite previous disputes is unacceptable, and I demand immediate action to rectify this situation.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
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 am writing to request the removal of fraudulent accounts from my credit report. I have discovered that my personal information was used without my consent to open the following accounts : Account name : XXXX XXXX, opened on XX/XX/2017, with a balance of {$3300.00} I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and a police report with my local law enforcement agency. 
For over 120 days, I have been consistently submitting disputes to your agency regarding these fraudulent accounts, yet the information remains on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable reinvestigation of the disputed information to verify its accuracy and promptly delete any inaccurate, incomplete, or unverifiable information from my credit report. 
Furthermore, under the FCRA, 15 U.S.C. 1681c-2, I am requesting that you block the fraudulent accounts listed above from appearing on my credit report. The FCRA requires credit bureaus to block the reporting of any information related to identity theft if the consumer provides appropriate documentation, including a copy of an Identity Theft Report. 
Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability. Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. 
Please note that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must complete the reinvestigation within 30 days of receiving my request. Failure to comply with this provision may result in legal penalties and civil liability.

In addition, I would like to remind you of your obligations under 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), which requires you to promptly notify the information furnisher of my dispute. If the furnisher is unable to verify the disputed information, it must be removed from my credit report. 
I expect a prompt response to my request, and I will consider any unreasonable delays as a violation of the FCRA. To protect my rights, I have documented all communication related to this matter. I also request that you provide me with written confirmation of the removal of the fraudulent accounts from 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
Consumer complaint received 2024-01-22
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Care Credit/ Synchrony Bank . I called in to ask about a Mastercard option for my credit card when I spoke to the rep, they told me it's a system who randomly picks customers for the Mastercard option. I have been a loyal customer for over 4 years and have never been picked, when I asked how they make sure the system is equally choosing the right people and not just choosing based on race, amount of money they make or where they live, they were unable to answer that. That type of response made me wonder if that system is tested to see if it's being offered to a wide variety of groups or is it based on the amount of money you make per year, your balance, etc. I requested a call back but never got a call back, the request was sent over to their fair lending compliance department. I am not putting this in simply because I did not get an offer, but to make sure they are being compliant and fair to every single consumer they have. As of now it seems like they need to be audited to ensure they are following regulations.

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