BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Beginning on XX/XX/2018, a small withdrawal was made from my savings account in the amount of {$.00}. Then beginning on XX/XX/XXXX through XX/XX/XXXX 33 other transactions were unauthorized by me, the owner of the account, were made. Transactions of {$5000.00} or more were made in one day, specifically on XX/XX/2018. 

Not only did this fraud completely wipe out my entire savings ( 5-digits ) but Suntrust Bank authorized so much fraudulent activity that my account went 5-digits negative 5-digits. I found this activity on my own when checking my account on the evening of XX/XX/2018. 

I called and reported this immediately after discovering the fraudulent activity in my account. The woman on the phone didn't advise me in any way on what the process would be for my claim or how the bank would move forward with my case. One of the affidavits sent to me didn't even have the right amount on it.

This is completely unacceptable for a bank to not catch 33 transactions within a 2 week period that have fluctuating withdrawals that range from .01 $ to {$10000.00}, especially when these large withdrawls were being authorized while the account was already wiped clean.

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 2019-12-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a minor account at Wells Fargo with my XXXX XXXX XXXX niece and there were fraudulent deposits in the thousands of dollars and fraudulent charges as well on her Wells Fargo account. My niece did not make these deposits or charges which should have been obvious to the bank if they had caught on to her usual charges which are average for a teenager and her previous months history. 
The bank was negligent in picking up this activity and contacting my niece to verify the activity. Additionally, when we disputed the charges by letter ( including a police report we filed ) they denied the claim because according to them the card was in her possession and that cards with chips can not be duplicated! This goes to show how out of touch they are and behind the criminals moves. 
The bank has not returned the {$190.00} that is the balance when we deducted the fraudulent charges and deposits.

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 2018-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2017 my BOA checking account was charged a $ XXXX  monthly fee due to what I was told was having less than a {$1500.00} daily balance in my account. I had previously been told in person at my local branch that I had only needed to keep a monthly average of {$1500.00} in my account to avoid this $ XXXX monthly fee. Upon calling BOA this fee was explained to me to be a daily balance, not a monthly balance upon which I told them of the discrepancy of what I was told in person at my local branch and what I was being told at that time. I asked if the fee could be waived at that time due to the misunderstanding and the 12+ years of solid standing I had with BOA upon which I was told no by the first and second level call representatives.

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 2023-11-27
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I called Atlantic Union Bank on XX/XX/2023 to ask how to adjust my monthly mortgage recurring payment online. I was asked several questions by the operator and then he put me on hold and never came back. 

I ultimately figured out how to adjust the payments myself online and hung up. 

However, I have asked to receive electronic statements and Atlantic Union Bank refuses to offer them. 

They know I, like many people, don't read my paper mail regularly. So, when my monthly payment increased by {$18.00} because of an increase in property taxes and escrow payments, I did not know the recurring payment I had scheduled for the 12 previous months was no longer correct. I was not aware until I got a call from the company 's debt collection service. Thankfully, they waived the late fee ( {$130.00} ) this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: WEICHERT FINANCIAL SERVICES
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My mortgage company is Weichert Financial. 
I have Homeowner Insurance with XXXX. I have Home Mortgage with Weichert Financial Services. 
Every year Weichert put to my bill Hazard Insurance. Without any agreement. 
After I call to XXXX - XXXX faxed to Weichert the Home Insurance Declaration Page to prove my Homeowner Insurance. Usually, after the charge eliminated from my Weichert bill.

This year Weichert does the same - put Hazard Insurance {$1200.00} to my bill. 
I call to my XXXX agent to work with this problem. 
XXXX send to Weichert the Declaration Page- no result from Weichert.

I called to Weichert.

I spoke with Weichert specialist at XX/XX/23 at XXXX XXXX  - to cancel the charge for home insurance from Weichert because I pay for home insurance to XXXX. 
No result. 
That means for me - I am paying TWO insurances for same property..

Please, help me. 
Weichert must stop charging me for Hazard Insurance, because I have home Insurance from 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 2022-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My sister 's information is intertwined with mine on my credit report. We have the same initials, were both born in XXXX, and our SS numbers are only one number apart. I have excellent credit, and have had no problems to this point because of the confusion, but that could change. I tried years ago to have it fixed, and got the run around ... was basically told it couldn't be changed. Her name is on my credit report under my SS #, surely there's a solution. I have encountered issues where they ask me about previous addresses during security checks ... and they have hers mixed in with mine. It's confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is CMRE I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CMRE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.CMRE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Choice Recovery, Inc.
State: OH
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 a victim of identity theft there has been several accounts placed under my name without my consent or knowledge. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable  procedures to assure maximum possible accuracy, of the information on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a credit card with American Express in XXXX. American Express was debiting my account for payments each month. Without notice, i received a letter from their collection agency stating my account was being handled by their collection department and i had no recourse but to pay the full amount i owed or they are taking me to court. 
After extensive research, i found my rights were violated and American Express used phone calls to threaten me if this debt was not paid in full within a matter of 30 days. 

The debt was handled by an outside collection agency hired by American Express XXXX XXXX  and they filed a civil suit against me in the City Of XXXX XXXX  on XXXX Index number XXXX. 
The attorney representing American Express was XXXX XXXX XXXX Esq. Mail Code XXXX XXXX, NY XXXX. Phone Number : XXXX. 
Due to me not able to retain an attorney or afford one, i had no option but to take their calls. I finally had to settle with the American Express collection agency. 
Later i also found out that American Express did not handle the collection process and it was being handled by an outside agency. 
I would like to see what would be my recourse and if i would also be able to file a complain against the attorney who was constantly calling me with the New York State Bar Association.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BB&T CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2017, Hurricane Irma destroyed my home in XXXX GA. It has taken over 2 years to rebuild it. I'm still not done but am close to finishing the rebuild. However BB & T is holding and will not release the rest of the money that the insurance company has already paid out. BB & T told me the bank is holding the final {$25000.00} until the house is " 100 % completed ''. But I can not finish the house until I get that remaining {$25000.00}. I only owe about {$50000.00} on the mortgage and have always paid my mortgage payments on time. When the house is completed, it will be worth around {$300000.00}, so it doesn't make sense for BB & T to not pay me to finish the house. BB & T needs to release MY money so the house can be finished!

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 2022-01-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX did not have my authorization to run a credit check and want the check removed from my record and to file a formal complaint against XXXX XXXX XXXX. Experian was their source for inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX (? ) Ph : XXXX Multiple phone messages left been left and have not been returned.

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 2021-02-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called to close my account because I was not happy with Citi 's archaic online services. I discovered, via the post office, that Citi sent tax documents to an old address on my account that I closed, which made me furious as I had my updated address in that account for months. Now that my account is closed, it appears that Citi may have sent a check with the balance to the old address, not the current address on the account when I closed it. 

Since my online access has been canceled once I cancelled my account, I can't go online to retrieve my tax documents.

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 2023-11-27
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On or about XXXX XXXX XXXX denied my wire transfer when I talked to approximately 7-8 different people on the phone to restore my funds that was frauded. This business was very very rude, however the conversation ended with one of the employees hanging up on me. I don't have any money to waste I definitely learned from this but to have a bank I trusted with my money to deny and talk to me crazy like that hurts for real.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 

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

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 2018-02-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX University I am attaching supporting documentation to have these accounts three accounts reinvestigated. 
Experian will not provide documentation regarding verifying public records. They've provided several generic statements regarding verifying through 3rd party companies, but will not identify the name of the company. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

As it relates to XXXX XXXX University, I have requested validation from XXXX and they have not provided an account with my signature. Therefore this account should be deleted. You allowed XXXX XXXX University to report the account as a collection account in XX/XX/XXXX and  Closed in XX/XX/XXXX, but XXXX sent Statement of account showing payment in XX/XX/XXXX.  That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. 
I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 

Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately reported XXXX XXXX University inaccurately reported

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 2021-04-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Professional Recovery Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation