BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-23
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2019 times called my bank TD, asked for the wire instructions to have a wire sent to my account, they gave me the wrong information, a routing number which was not my routing number. It should have been their ABA number with specific information to credit my account. Never showed up, they said, oh well if its wrong we send it back to the sending bank, XXXX XXXX, the person who sent it is my son XXXX XXXX XXXX XXXX. 
XXXX said they never got the money back when they tried to recall it. TD says they dont have it and XXXX doesnt have it. {$8500.00} Because no one will me where the money is. My car was repossessed because I was not able to make the payments. Im out XXXX and my car. Really need this cleared up. TD gave me the wrong information and feel they have the money and wont give it to me. 

Call if needed, XXXX Respectfully, XXXX XXXX XXXX SSN is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection item in my credit report that is a total surprise to me : XXXX XXXX XXXX for {$500.00} - Joint account I never opened an account with anyone for it. I do use XXXX service but it is prepaid service, I pay {$100.00} or {$50.00} whenever my balance is low. I never received any bill from XXXX in the past and now this account is in collection. And until now I 've never received any phone calls or mails in their attempt to collect this debt I do n't owe. 

How can I contact XXXX ( no phone or address ) or collector XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX no phone number to contact )? 

What is the most effective way to find out what happened? 

Thanks so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2023-10-22
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On the XX/XX/XXXX, I received an email at XXXX XXXX saying someone was trying to change my email address.I call the customer service number XXXX XXXX XXXX and said it was ( NOT ) me and not let nobody change anything it was scammer.By XXXX XXXX, the same scammer get in my account by calling them and change my email and password and get in my account.But one error the bank makes, they did ( NOT ) asked the scammer my XXXX security code at the back of the card which only me know.XXXX  is the XX/XX/XXXX and I still did not get my money back please help me I have XXXX kids and wife to take care of.every time I call somebody out of the United States answer.The bank name is American Express serve.Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: Carter-Young, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last month XX/XX/2022 I received A call from A lady from a Collections company by the Name of Carter Young-Inc about a old debt of which XXXX XXXX XXXX in XXXX LA XXXX Where my son was living to attend XXXX XXXX XXXX XXXX  An incident occurred on the premises where my son was held XXXX XXXXXXXX XXXX  by some men that wasn't living there and his friend was XXXX  there was supposed to be security so i had no other choice but to break the lease I notified the manager XXXX and verify everything And now no letters are phone calls until XXXX of 2022 threatening to ruin me an my sons credit if I don't pay the debt and know it's in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a credit card with XXXX XXXX once in a while I use the card at XXXX but then I stopped because I preferred to shop at XXXX XXXX Club. Paid the minimum charges every month without any problems. Then the pandemic hit us which caused a lot of financial headaches for me as I am a full time caregiver to my wife who is a XXXX survivor but had a XXXX and now she is permanently XXXX. Fast forward I was behind in paying some of my bills to point that I reached out to some of the creditors and made arrangement and paid but then when I reached out to XXXX I was told my account was closed and that I will contacted by another company. When I asked why, I was told that I was late in paying my balance of which it came as shock to me when I was told I owed over {$2000.00}! That was a red flag but they could not help me at all. So I believe I am victim of identity theft. I did not spend that much on that credit card with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion continues to show XXXX XXXX XXXX XXXX XXXX as open account when it is closed. It should show closed by consumer, XXXX balance but it continues to show open. 
I have reported this XXXX XXXX  so far and it continues to be sent to me wrong, I have attached. 
It is frightening to know this company exists and keeps putting out wrong information. 
should be closed.

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 2021-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
my bank account was transferred unknowingly to the citizens bank from another bank. 
This bank charged me dormant fee at first. and I suddenly knew it at first So I set up the direct deposit to make sure the there is no dormant fee. 
However, I just found they also started charge the service monthly fee without known. 
My original bank has no fee at all. This is not the bank/bank account I was setting. 
the bank told me this is the paper delivery fee, but I was not noticed at all. Neither it is the default value. Neither it is what originally I set the account with another bank. 
I called the bank, and talked to customer service, agents /superviser, but they refused to refund the money back today. XX/XX/2006. the amount is only totally XXXX dollars though. 
This bank is a robbery. consumers should be aware and away from the bank. 
and this bank should be punished as well. 
A bank grabs accounts from other banks without notifying me and sends no information. 
It also kept charging all kinds of charges without notifying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Yesterday XX/XX/2022 they wired the money from my savings account XXXX XXXX The money were gone to the XXXX XXXXXXXX XXXX and their name is XXXX XXXX XXXX. My bank is USAA. 
I have contacted my bank already

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I went to Wells Fargo in XXXX, SD to remove my deceased spouses name from a checking account, a savings account, and a Visa credit card. The branch manager, XXXX, indicated that she would do so. She was to get back to me re : a new account but never did. That was a telling sign that she didn't want XXXX customers at her branch. 

On XX/XX/XXXX, I was informed by WFB that XXXX, the branch manager, did not remove his name from the accounts, despite my being there for an hour, and having a certified death certificate. 

On XX/XX/XXXX, I attempted to closed the checking account and WFB Banker, XXXX, would not do so. XXXX declined to accept the debit card and blank check stock for that account. Eventually I just left the items with her and exited the bank. 

Employees tell management that I needed to return to the bank in XX/XX/2020 and to make an appointment to close the account. Employees at the bank also told management that I was " confused '' about closing the account. I was not confused as to my actions. If I was unsure about removing his name from the account, why did I travel to the bank with his death certificate? 


Management would not assist. XXXX, Regional VP, XXXX. The Upper Midwest President XXXX XXXX XXXX would only say she was too busy to talk to me. 

After being with WFB for 26 years, this is how they reward loyalty.

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 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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: Their investigation did not fix an error on your report

Complaint:
My XXXX credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, Capital One Auto, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with XXXX, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit  score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. 

I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe Capital One Auto any money, nor have I made any payments to them since XXXX. XXXX is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
3 years ago I had a charge off on my XXXX XXXX.I have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am ruined.I 'm XXXX XXXX old and this is a death sentence to me... I can't get Experian or XXXX to do anything.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When the homeowners insurance was due for renewal on XX/XX/XXXX, I was contacted by my insurance agent because NationStar dba Mr. Cooper was refusing to pay the premium out of the escrow funds that have been collected for the past year. After repeated unsuccessful attempts by myself and the insurance agent to compel payment by the lender out of escrow funds, I was forced to enter into a monthly installment plan directly with the insurance company to avoid insurance cancellation on the property that would violate the terms of the mortgage. I am the spouse of the mortgage holder and reside in the home. The insurance policy is in my name as the borrower 's spouse since XXXX with no prior issues. 

This is a renewal of the same exact policy, under the same exact name, that the mortgage company has paid out every year without prior issue. The insurance is for the property that is under mortgage with NationStar. 

I have repeatedly submitted payment receipts and deck pages to prove that the home is still insured and that I am now paying for the insurance out of pocket in addition to NationStar continuing to collect funds for payment in escrow. I am now being threatened that the company plans to " force place '' insurance on the property due to insurance being cancelled which has not happened as I am now paying out of pocket in addition to the monthly, timely mortgage payments. A mortgage company should never be able to " force place '' insurance on a property that is proven to be already insured. Furthermore, they should not be permitted to continue collecting escrow payments for hazard insurance that they refuse to pay out. As of XX/XX/XXXX the mortgage company has {$3700.00} of my funds in escrow to pay the renewing hazard insurance policy that has been in place on the home, under my name, since XXXX and continues to refuse payment with the funds in escrow. 

I need immediate help as I am gravely concerned that NationStar is attempting to force a refinance, foreclosure or force an unaffordable insurance policy on the home when there is already insurance in place on the property. I have always paid timely and I need some serious strong arm help to force the mortgage company to pay out the renewed hazard insurance that has been accepted without issue until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account using promo code XXXX using link XXXX which promised a {$300.00} bonus after I made two direct deposits that total at least {$1000.00} within 60 days. I received the bonus code via direct mail sent to my house. I opened my checking account using the required link and code. I completed direct deposits from my employer of {$1000.00} on XX/XX/19 and again on XX/XX/19. The bonus is supposed to post to my account within 60 days of direct deposit verification. 

I selected the account type available via the web link for the promotion. I notified USBANK and their response was ; " I can confirm that the promo code is present and direct deposits were credited to the within the timeframe required. But, the account was opened as an Easy Checking and the promotion is for Platinum accounts only. As that's the case I've upgraded this to a Platinum account. Since the account wasn't opened as an Easy one, I can't guarantee that the bonus will be provided within 60 days of the 2nd direct deposit.If that happens, please contact us again and we'll see if our back office Customer Care Unit will be able to assist with this situation. '' I never consented to have my account upgraded to a different account type that has higher minimum requirements and fees. US Bank changed my account type and did not provide the {$300.00} bonus to which I am entitled. I believe US Bank is telling me that they accepted my promo code but nevetheless may decide to not give me the bonus even if I go along with having my account type upgraded to a more expensive option (? ). This is a bait and switch tactic.

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 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX and XXXX XXXX XXXX  have a Bank of America checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.

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