BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
One of our checks was stolen from a payees mailbox and cashed. Bank of America ( BOA ) insist ed we close the accounts ( checking and savings ), which we did. The new accounts show the correct balance but payments are declined if we drawn on those accounts, my debit cards are declined and BOA has not been able to provide access to the funds we have in our accounts. We can not pay bills, or pay for goods with our debit cards. The fraud resolution process at BOA is so broken, it is worse that fraud. I believe that the only solution is for the government to impose regulatory oversight over the fraud resolution process. The level incompetence in the fraud department is staggering.

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 2023-10-01
Company: DISCOVER BANK
State: NC
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:
The company XXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to XXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My next loan payment is due on XX/XX/XXXX. I set up XXXX  payments on XX/XX/XXXX and XX/XX/XXXX, which is my scheduled payroll dates. Rocket Mortgage attempted to draft my bank account on XX/XX/XXXX. I didnt authorize this payment. They charged me a {$30.00} NSF fee. My bank confirmed on XX/XX/XXXX that Rocket Mortgage attempted the payment on XX/XX/XXXX instead of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
65 pages of obviuos fraud charges DENIED 3x now simply ignired by Chase over {$32000.00} XXXX XXXX OF FRaud 18 months ago DENIED CHASE actually apprvd XXXX OVER AND ABOVE credit line as a courtesy chargng me 24 % ruining my credit score damgng my busvess loans and causing higher borrowing costs of mllions in loans # XXXX advertisement fOR THIS chase card 100percent worry free FRAUD PROTECTION chase is absolute wrong and abusing its might to cheat peope NOLAWYERS WILL FIGHT CHASE NEED HELP PKEASE. M DEBT HAS RISEN TO XXXX now iwith no end went tobranch manager 4th complaint in XXXX. And not an answer from bank or acknowldg of my in person conlaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in Colorado. On XX/XX/2021 my house was destroyed in the XXXX fire near XXXX. XXXX is my insurer very promptly worked out a settlement with me for my structure- They issued a two party check to my wife and me along with Flagstar Bank the holder of the mortgage. The amount of the check was {$900000.00}. By XXXX we had decided to pay off the mortgage. I sent the check with a letter by XXXX, as they instructed me to do, to the bank asking them to pay off the mortgage. I also enclosed a XXXX sticker and envelope for them to return the check in to me, as instructed by a person in their loss department. They did not pay off the loan until XX/XX/XXXX and they owe us a balance back of {$500000.00}. It is XX/XX/XXXX and we have not received a check. I have called six times to them and my wife called again today. They have told us many different and conflicting things. Today they told my wife that the check was mailed using US mail and untracked. They say it must be lost in the mail. They said today they will stop payment on the check- which takes 10 business days from today. They then said we should call back again to ask to have a new check issued in 10 business day. My wife was on the phone for 2 hours today and over my 6 calls to them I estimate I have been on the phone for at least 4.5 hours. All this and they want us to call back to beg to have them issue a check for our money.

I want them to promptly issue a check to me and if that money has been earning interest I also think it is fair for them to provide that interest to me. Can you please help me. I lost my house- XXXX has been wonderful but Flagstar bank could not be worse. Can you please help me get my {$500000.00} back from this 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 2023-04-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX sent me a check claim refund for {$310.00}. Someone stole my check and printed their name on it. That someone deposited my check in their Wells Fargo account even though the name on the check was meant for XXXX XXXX Wells Fargo allowed the deposit of the check into a deposit account that did not match the check. 

I requested Wells Fargo to reverse the transaction and return the funds to XXXX so they can give me my money back. they said the money is already deposited and there is nothing they can do about 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 2023-03-02
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My wallet ( XXXX ) told me to make a payment by XXXX to avoid interest charges today ( XX/XX/2023 ). 

I made two payments before, {$87.00} & {$160.00}. I dont believe interest was calculated correctly. 

Please tell me the final balance before interest was accessed and the calculation on how the interest charge came about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
I submitted a letter to the Credit Bureaus to correct these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 
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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 2023-03-07
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open US Bank- Smartly Checking account following a promotion. But my application was denied for no specific reason.

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 2023-03-01
Company: Southwest Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called the number back because of constant calls and emails and The gentleman explained the nature of the debt which I did not recognize and I tried to say once he explained the date that on my credit file it had a different day and he got nasty and hung up. Very un-professional and need them to stop calling and emailing without my approval and only send me a letter in the mail

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-07
Company: TransferWise Ltd
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
We were using Wise for a while to transfer international money for our partners purchase and our company payments, and accept international payments. Most of our method to Wire using Wise is by depositing from our US bank account to our Wise account, and we have all proof statement for our every transaction we made. After we used Wise for three months we got notification from Wise our account is deactivated on XX/XX/2022. We tried to open Appeal, again they decded to remain our account closed. The reason for our account deactivation is our nature of business is violates of their policy section 1.2.2 ( e ), and we don't see ur business is violates their privcy. After all their decision we need to open a compliant using CFPB, and we need Wise to check our issue and solve as possible as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX if a XXXX is still reporting inaccurately as a delinquent account or derogatory account with TransUnion it has not been deleted nor updated as a as the other two credit reporting bureaus

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 2022-03-14
Company: EQUIFAX, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-03-14
Company: EQUIFAX, INC.
State: NC
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:
Re : Victim of Identity Theft. This is not an error. 

******************************************** I have been dealing with unauthorized use of my personal information which resulted in unauthorized items on my credit report. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name. I did not authorize these inquiries to be taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: V and H Portfolio
State: TX
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:
Vance and Huffman is reporting an inaccurate collection account on my credit reports that I have disputed directly with them. Here is the tracking to prove they received my dispute XXXX XXXX XXXX XXXX XXXX. 

In response to my dispute they sent me a letter stating that they would contact the original creditor for documents and would cease all collection efforts on the account which I have attached the letter below. 

When disputing an account from a consumer reports, the creditor has 30 days in receipt of my dispute to complete their investigation and send over all requested documents. I received their response on XX/XX/2023 which means they had until XX/XX/2023 to send over the documents they say they reached out ti the original creditor for. I have yet to receive any further information in the mail regarding this debt. Furthermore, once Vance and Huffman received this debt all supposed documentation should have been given to them. 

Its obvious that this account can not be verified and should be deleted from my reports. I am not sure why its still reporting when they stated they would be ceasing all collection efforts meaning that this account would be dropped from their office. I am demanding that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with Equifax. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. XXXX XXXX XXXX XXXXXXXX ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the Equifax portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " XXXX '' is a complete lie. I was only at the XXXX  for XXXX XXXX. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the XXXX ( XXXX XXXXXXXX XXXX XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from XXXX and FTC. Seeking possible litigation if this issue is not resolved immediately. Please review my complaint as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
In XXXX I made an accidental payment for XXXX XXXX with a card that did not have the balance which the card was my cashapp. It went through and over drafted my account, so I called XXXX and asked them on the XX/XX/XXXX to refund the payment. On the XXXX XXXX refunded the payment so I called cash app to see what is going on. They told me I had to wait still so I waited a big longer. They first said XXXX  days, then when I contacted again, they told me XXXX days. Then when I tried to ask what is going on, they claim I need to show proof for my account and denied my claim. Atm, they refuse to talk to me and keep giving me the run around. I have provided proof, and they still refuse to help me which now it's causing distress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Firstmark Services manages the servicing of one of my student loans. I have monthly automatic payments set up which covers the standard monthly principal, interest, and any fees. Over the last several years I have been making extra payments over time in order to pay down the loan faster. Upon discovering that these extra payments have been applied as a " regular payment '' instead of extra payments towards the principal balance, I called the customer service department and requested that they make a correction and apply the extra payments as payments towards the principal. I was told that I can not do that and that all the extra payments have been appropriately applied ... as a " regular payment ''. 

Prior complaint 's response from the company failed to include a proper attachment. Please respond directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid 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:
This complaint is related to my previous complaint against TD Bank. The card accepted charges of XXXX XXXX XXXX, XXXX XXXX although those services were terminated on XX/XX/2022. I systematically disputed those charges and even stopped to use that card. Eventually we agreed that the charges would be removed, and a new card would be issued. When I received that new card and used it once but was shocked to get " previous charges of {$280.00}, Late payment fee of {$29.00} and Interest charge of {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: CITIBANK, N.A.
State: WA
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:
XX/XX/ I recd order from Macys for {$390.00} returned XXXX days later. Sometime later I was notified that my account was past due. No statement recd. I called and late fees and interest charges were reversed. I assumed XXXX balance. I requested statement but No statement recd. I had used Star Rewards when I made my purchase online but instead of crediting my account the reward amount of {$10.00} was added as a charge. Subsequently I have carried a balance past due on my account since and still no statement unable to resolve. Credit score reduced from XXXX to XXXX because of Macys error. They are refunding all late charges etc but Citibank refuses to correct my credit 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 explanation
Consumer complaint received 2023-10-01
Company: DISCOVER BANK
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover CARD reporting late payment XX/XX/2020. This payment was not late to due COVID-19 Shelter in place order. I made arrangements with DISCOVER about the late payment and they agreed not to report past due/late. CARES ACT does not allow this payment to be reported as late.

Company response to consumer: Closed with explanation