BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The week of XX/XX/XXXX I canceled a recurring series of payments scheduled to be paid on the XXXX of every month because I knew that I would not have enough money in my account until my paycheck was deposited on Friday XX/XX/XXXX. I thought that this would be sufficient time to cancel the payment as I have done this before without any issue. I verified that the payment was canceled and it was removed from my upcoming/scheduled payments listed in the online portal. No payment for XX/XX/XXXX was listed. I then scheduled an one time payment for XX/XX/XXXX to the same payee. 
On XX/XX/XXXX, the payment was made anyway which resulted in my account becoming overdrawn and an NSF charge for " NSF/Returned Items Paid ''. 

On XX/XX/XXXX, I noticed this and called the credit union for support, In addition to this payment I had another payment for the same payee scheduled to come out on XX/XX/XXXX. The credit union admitted fault, put a courtesy stop payment on the XX/XX/XXXX payment, and reversed the NSF fee as " Reversal : Reversed Paid Insufficient Fee Paid reversed 1 NSF fee of XXXX per CU error billpay '' Later on XX/XX/XXXX, two previously scheduled ACH transfers came out of my account. The credit union charged me two more NSF fees " NSF/Returned Items Paid ''. 

On XX/XX/XXXX I contacted the credit union through online messaging and asked that they reverse the two additional NSF fees which were due to the same error they had already admitted fault on. 
On XX/XX/XXXX, the credit union responded that they would not reverse the fees. I replied with additional information on the history of what happened. 
On XX/XX/XXXX, the credit union responded that they did not see this as a credit union error. and advised me to call the credit union. 

On XX/XX/XXXX, I called the credit union and explained the situation. The representative told me that they needed to send it to a manager to review and that they would call me back the same day. I did not receive a call back. 

On XX/XX/XXXX, I called the credit union again and was transferred to a call center supervisor. The supervisor told me that he would not reverse the NSF fees because it was not a credit union error. I explained that the credit union had already previously admitted to the error and reversed the charges, but that these two additional charges posted later on the same day the first fee was reversed ( XX/XX/XXXX ). They are now saying this was not a credit union error, and refusing to reverse the additional two NSF fees

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX  AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.

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 2021-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX, 2021, fraudulent wire transfers were initiated by cyber criminals from our Wells Fargo accounts and all our funds and life savings from our savings and checking accounts in the amount of {$64000.00} was wire transferred to XXXX XXXX XXXX XXXX. 
We found out on XX/XX/2021 that all of our money is gone, we immediately reported it to the fraud department of Wells Fargo, the bank did not get our money back with a swift recall in a timely manner and informed us the the money is gone from the recipient, XXXX XXXX XXXX, and also denied our claim for wire transfer fraud. 
We have no idea how our Wells Fargo accounts were breached, why the bank did not inform us of suspicious activity in our accounts? What IP address was used by the criminals to access our accounts? No money transfers were ever initiated by us throughout our 15 year banking history with Wells Fargo., All of a sudden all our money is being transferred and the bank did nothing to alert us and no red flags were raised? 
No one at Wells Fargo has bothered to answer any of our questions, what investigation have they done for fraud? 
Why we didnt receive any warnings, emails or texts to alert us on the transactions in a timely manner? All we got from Wells Fargo is denial form letters with no signatures, we are confused and distraught and they are giving us a run around and treating us, their customers, in a very unfair and condescending manner. 
We are disputing and appealing the denial, we hope that Wells Fargo will do the right thing and investigate this fraud. Their own bankers have told us that wire fraud is an ongoing issue at the bank, why there was no cybersecurity services to proactively safeguard our accounts and improve our security posture. We trusted our bank to safeguard our money and they failed us.

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 2018-06-22
Company: Lincoln Educational Services Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I enrolled at XXXX XXXX XXXX in XX/XX/XXXX, and didn't qualify for financial aid and had to apply for a private loan. I wasn't accepted into the school anymore and had to start making payments on the loan. I initially started making payments in XX/XX/XXXX while XXXX in XXXX and stopped due to financial problems. And then the harassments started. I spoke to financial counselor about the situation of XXXX XXXX calling me throughout the day, leaving voicemails, texting me, and threatening to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: AAS Debt Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have some issues with my credit report I have a unverified accounts Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. 
AAS DEBT RECOVERY INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2021-09-17
Company: U.S. BANCORP
State: TX
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:
Dont recognize/ old sold vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us bank- XX/XX/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 2018-08-02
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeated robo/computer-animated voice calls from XXXX  (? ) for XXXX XXXX (? ), which we have never heard of, used, or owed money to. There is no " XXXX '' hospital (? ) where we live. We have excellent credit and have never had overdue bills anywhere. We have received but have not answered telephone calls ( and a number of voice mails ) from ( XXXX ) XXXX on the following XXXX dates/times as documented on our Caller ID : XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX  ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. It's time for this scam/harassment to stop.

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 2020-02-04
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter demanding payment for a debt that I didn't incur. They claim that the original debt was owed to a jeweler. I have never bought any thing from that jeweler. They got my name is wrong ( incorrect middle initial ). The last four digits of a credit card number were referenced, but I have never had a credit card with that number. 
The debt collection company is : United Collection Bureau XXXX XXXX XXXX XXXX, OH 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 2018-03-05
Company: SYNCHRONY FINANCIAL
State: CA
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:
There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off 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 2021-03-08
Company: Atlas Credit Company, Inc.
State: TX
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:
no knowledge of authorizing anyrthing for this account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: The Receivable Management Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX we ordered BY MAIL one item, a " XX/XX/XXXX Space Saver All-On-One Washington & Federal Labor Law '' poster. The vendor 's order sheet was used and showed a purchase of one poster for a total of {$10.00}. A parish check was enclosed in full payment. In addition to the one ordered item, XXXX XXXX , XXXX shipped us a number of UNORDERED ITEMS via public carrier and then proceeded to bill us for them in the amount of {$210.00} ( Their Invoice # XXXX XXXX XXXX XX/XX/XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX, XXXX a letter by Certified Mail denying XXXX XXXX 's claim of {$210.00} for unsolicited items never ordered by us nor chargeable to us per 39 US Code Paragraph 3009 " Mailing of Unordered Merchandise. '' The letter was received and signed for at XXXX XXXX   's XXXX CA address by their agent XXXX XXXX on XX/XX/XXXX per the Certified Mail Receipt postcard we received afterwards.Despite the face that we never ordered the additional items for which this parish is being billed ( and now has been sold for collection to " The Receivable Managment Services Corp. of XXXX WA ) AND the fact that we gave XXXX XXXX the opportunity to retrieve these unordered items ( as stated in our letter ), they have continued to harass us through subsequent phone calls and emails for this fraudulent claim. On XX/XX/XXXX we received a debt collection letter from " The Receivable Management Services LLC '' of XXXX ( their Ref # XXXX ) that XXXX XXXX has contracted to collect for this fraudulent debt. Furthermore, the amount due has now been raised to {$240.00}

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 2019-05-08
Company: SUNTRUST BANKS, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage on a property that requires flood insurance. Suntrust bank requires a copy of the policy annually. My association has the insurer forward the updated policy annually. For the last 2 years, at least, they have claimed that they have not received it despite it being sent via fax 3 times, with loan number included. I have been threatened with forced flood insurance in multiple letter mailings. Each year I have to make numerous calls and the representatives I speak with refuse to give me access to a manager. They claim they will send an email to inform the " managers '' but I can't speak to one. In an effort to resolve this issue, both this year and going forward, I spoke directly with my insurer and had a conference call with a representative. They refused to allow the insurer to speak with a manager as well. They claimed they will email a manager and that they would contact my insurance representative in 24 hrs. I will never take out a mortgage with these people again. My time is valuable and I have lost hours of it in attempting to resolve this problem.

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 2019-05-08
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I asked that you investigate and remove the unauthorized inquiry on my credit report. 
Fifth Third Inquiry from XX/XX/2018 Bank Fifth Third Inquiry from XX/XX/2018 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CITIBANK, N.A.
State: CA
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:
In XX/XX/XXXX XXXX  was fraudently withdrawn from my checking account. They were all unauthorized tranactions. This person. Withdraw XXXX $ into their XXXX XXXX account. I filed a police report. Stating there were unauthorized transactions my first complaint to citi bank was rejected then i rifled an appeal XXXXXXXX XXXX  XXXX it was denied too!

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 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reported identity theft and Transunion took XXXX XXXX  off and then put it back on. This information is fraud and I would like it removed immediately.

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 2018-03-17
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had bought a Coton De tulear breed dog from XXXX XXXX in XXXX Illinois almost a year ago. I inderstood that the animal had cost around {$1500.00} and we agreed to payment plans. After a while of losing our jobs we couldnt make payments, fees started adding up, and the account went to collections with Monterey Financial ( Which I do not believe is a collection agency ). A short bit ago we have been making our payments to the " collection agency '' they claim to be with no supervisor and the only person I can speak to is my account holder. Our balance was {$2000.00} as of XX/XX/. We made a payment of {$200.00} on the same day. They then told me my balance was {$1900.00} which is not minus {$200.00}. So I made another {$200.00} payment on XX/XX/ and my balance was {$1700.00}. So I made another payment 2 weeks later od {$200.00} and I had seen they only took {$100.00} from me. They said " we charge a {$20.00} processing fees and you owed {$50.00} in misc. fees. '' So I said " Okay so after all fees are paid {$130.00} shouldve went to my total balnce left and you guys only took {$100.00}. Where is the other {$30.00}? And she said " Not sure where you have been getting these quotes from but noone has quoted your payments at all do I will quote this one today. '' They keep charging me {$20.00} processing fee, and only putting {$100.00} towards my account balance and Im not sure where my other money went. Also, we have paid almost {$700.00} since we started our first payment and they said we have not and they cant believe me because noone has been quoting my payments. I want this place shut down, my money back, or something done because they keep taking my money and lieing about where it is going. If you look at customer reviews, everybody says the same thing. They refuse to dorect me to a supervisor and keep telling me they arent aure where im getting my " total balance '' after payments from hence nobody quoting my payments. As a company of the account you would think they would quote everything. Please do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 interested in disputing all inaccuracies on my credit report with Transunion.

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 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a credit card account with Capital One on XX/XX/XXXX. XXXX XXXX informed me that they shut down the account. I contacted Capital One and they informed me they shut it down due to inactivity. They stated they sent me a letter in XXXX to inform me that if there was not activity they would shut it down soon. I have never received this letter. I asked them to verify if I signed for this letter, or confirm in any way I did receive this letter. I have not received any such letter. Also, last year I contacted Capital One to inform them that my credit card had been stolen and I needed a new card. I have never received this card, therefore I can not use a card i do not have. In summary I had no desire to shut down the account. I planned on continuing to use the card. There stance was that they shut it down due to inactivity, yet if they would have sent this letter or my replacement card then the account would never have been shut. There negligence has affected my credit rating. I spoke to 2 different account representatives ( XXXX ID # XXXX and XXXX ID # XXXX ) on XX/XX/XXXX at XXXX EST, who both refused to re-open my account. Of course, they asked me to open a new account. I do NOT do business with companies who do NOT care about their clients. The offer to open me a new account, but not re-open my old account due to their mistake. My credit rating is XXXX   ... any credit card company will open an account for me, but Capital One will NEVER get more business from me unless this is cured.

Company response to consumer: Closed with explanation