BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/19 XXXX XXXX ACCT # XXXX {$20000.00} WIRE TRACKING # XXXX  TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ACCOUNT # XXXX SWIFT CODE : XXXX   RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  PHONE # XXXX   XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$20000.00} # XXXX confirmation code : XXXX   TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ACCOUNT # XXXX  SWIFT CODE : XXXX RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX XX/XX/19 XXXX XXXX XXXX XXXX {$20000.00} ACCT # XXXX  REF # XXXX  TRANSFER TO : XXXX XXXX XXXX  ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX ACCOUNT # XXXX SWIFT CODE : XXXX   RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX   XX/XX/19 XXXX XXXX XXXX XXXX {$15000.00} ACCT # XXXX WIRE PAR # XXXX DISCLOSURE # XXXX TRANSFER TO : XXXX XXXX XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   ACCOUNT # XXXX SWIFT CODE : XXXX RECEPIENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PHONE # XXXX Spoke to banks about the fraud and stopping money they said couldn't help me. Banks should alert people when they know 9 out of 10 times every wire transfer to XXXX XXXX XXXX ( XXXX XXXX ) XXXX  is fraudulant. If they would have said to me do you know there is alot of fraud wiring money to this bank I might have realized it was a scam before I sent out {$75000.00}.

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 2020-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
USAA INVESTIGATED FRAUD CHARGES IN MY FAVOR. {$470.00} XX/XX/XXXX see attatched Fraud letter dated XX/XX/XXXX. USAA documents after investigation with merchant Disputes listed see attatched statement XX/XX/XXXX * SAME CHARGES ARE NOT IN MY FAVOR. They INCLUDE ALL XX/XX/XXXX XXXX CHARGES. XX/XX/XXXX Transactions listed on attatched XX/XX/XXXX statement Transactions to include NEW PURCHASES of XX/XX/XXXX ( ref # s begin with letter F ) USAA can view them on line on these two statements XX/XX/XXXX listed without F in ref # and XX/XX/XXXX. ( F ) ref # s XXXX. USAA LISTS AS NEW PURCHASES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attatched statement XX/XX/XXXX Transactions ARE THE SAME USAA INVESTIGATED AS ( UNAUTHORIZED FRAUD * IN MY FAVOR ) and never paid USAA CREDITS. see statement of merchant credits ONLY. How could they also have ( INVESTIGATED THE SAME CHARGES AS DISPUTES * NOT IN MY FAVOR??? ) USAA INVESTIGATIONS CLEARLY ARE DISHONEST! Also KINDLY NOTE BOTH STATEMENTS ONLY LIST MERCHANT CREDITS APPLIED ** NO USAA CREDITS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2021 I purchased a XXXX refrigerator in the amount of {$2600.00}. It was delivered damaged. Lowes was advised of the damages and assured me that they would replace ASAP. This did not occur. Multiple occurrences of delivery dates were given, but when the date to deliver came, no refrigerator. Due to this, I disputed the credit card ( SYNCHRONY BANK/LOWES ) charge. I was notified that my dispute was not resolved in my favor as Lowes provided a statement that disputed item has been replaced/repaired by the store. This was false and I advised SYNCHRONY BANK of this. They stated they would review the dispute and notify me of the results. They did not reopen or review. They did however, place a note on my credit report that resulted in lowering my credit score by 32 points. This has caused and continues to cause me harm.

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 2020-02-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 we received our monthly mortgage statement and the payment had been increased by {$600.00} per month. When we called, we learned that the escrow had a shortfall situation. Upon further research, it was determined that the taxes had not been addressed appropriately when the mortgage was done due to our home being new construction in a neighborhood. We also learned that this mortgage underwent several checkpoints in which no one caught this mistake on our estimated taxes. Therefore, Wells Fargo both needed to recoup their loss and then make up the amount that needed to be added back to the escrow. 

We had a baby on XX/XX/2019. So my wife was on unpaid leave to top this situation off. When we called Wells Fargo, we were told that they would not help us and that they also would not waive any late fees. We have struggled to make these payments and it's put us nearly into financial ruin. We had to use the funds we saved to pay the medical costs from having a baby in order to keep our home. So now we are in collections for those. The late fees on our mortgage continue to pile up and we stress every month because we don't know if we can make the payment before our credit is affected.

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 2019-05-14
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I opened up this U.S. bank checking account with the promise of a {$300.00} opening bonus using this link https : //www.usbank.com/checkingbonus2019/. I used promo code XXXX. Months later I became aware of an issue regarding this promotional offer via a popular banking blog website. US bank has documented records of the wrong code being applied to accounts during the morning of XX/XX/XXXX. I have been in contact with multiple bankers at USBANK that have said they fixed the promo on my account and have corrected the issue as well as XXXX XXXX. who says I did indeed meet the requirements for the bonus. Nothing was fixed and I have screenshots of the website as I applied for the account and screenshots of the popular blog website discussing this error that effected many others.

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 2021-10-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting to XXXX that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX XXXX is fraudulent reporting the. This is repeatedly a 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 explanation
Consumer complaint received 2019-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX/XXXX of the XXXX XXXX XXXX, XXXX XXXX . 
The accounts that I opened on behalf of the XXXX  were taken over by two fired board members and a management company that also had been terminated. Chase bank took their one sided documents of proof and absolutely refused to accept any documents that I gave them in an effort to dispute what was done. 

I turned in, XXXX, real receipts, the businesss Bylaws, minutes from meetings, etc. yet I was told by the banks manager you must contact your board-theres nothing we can do. 

This board has refused to provide an IDR, which is a legal requirement, and REFUSED to communicate with me. 

Chase bank has given these individuals control over EVERYTHING in the accounts that I opened based on a one sided story and documents while REFUSING to accept my documents and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018 I opened a Yield Pledge Checking account after coming across an offer for {$150.00} with direct deposit. The terms of the promotion state that a {$150.00} promotional bonus will be deposited to the account after openeing the account with promo code XXXX, funding the account with {$5000.00} ( completed on XX/XX/18 ) and a direct deposit of {$1000.00} or more within 90 days ( Completed on XX/XX/18 and XX/XX/18 ). I have completed all the rquired steps for this promotional bonus and I have not yet received the bonus. 

After speaking with TIAA bank, they are disorganized and no customer service rep has been able to tell me why I did not receive the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: FL
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:
I had an account on my credit from XXXX and XXXX and XXXX XXXX that I paid and was agreed to be deleted still showing on my credit report. Ive sent numerous documents from the creditors to EQUIFAX stating the accounts should be deleted its they have yet to delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: WELLS FARGO & COMPANY
State: CA
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 is incorrect

Complaint:
Wells Fargo refuses to answer a phone call or they put me on hold or transfer me or hang up on me in regards to my open case I got a letter from the attorney general and the office of the commercials and it says that I was supposed to be doing a settlement or having a settlement with Wells Fargo just to call simple as that but not so I called in there give me the runaround they will not respond to me so XXXXis my  number thanks

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 2019-05-13
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are refinancing with another financial institution, we need our mortgage to be assigned to the new lender. We have spent hours on the Fone ( it takes 45 minutes to a full hour to be able to speak to a rep ) to get the department that handles that, but the reps answering the call dont understand what we need and is unable to get us to the right department. We had one operator that promised that we would get an email from them with the information but nothing was sent nothing was received

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 2020-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2019, denial for a Chase Sapphire Visa Signature account was received with incomplete information about the denial. No response was received form the company as requested by correspondence dated XX/XX/2019. Without that explanation, it appears the company is using age discrimination as part of its business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE ATTEMPTED TO CONTACT XXXX XXXX AFTER RECEIVING SEVERAL PHONE CALLS. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I BELIEVE IT TO BE FRAUD! I HAVE BEEN BACK AND FORTH WITH THIS COMPANY AND THE CREDIT REPORTING AGENCY! 
i HAVE DONE SOME RESEARCH AND I BELIEVE THAT THIS IS A SCAM!

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 2021-04-22
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
LVNV Funding LLC contacted my family members by searching other phone numbers associated on my cell phone account and gave out information without my consent. The amount owed is {$960.00} for a credit card I owed {$250.00} on ( {$250.00} limit with XXXX XXXX XXXX ). I have asked them to stop contacting me after they declined my offer to settle the account for the amount I originally owed to XXXX XXXX ( {$250.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: AL
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:
I recently conducted a review of my credit report, and I noticed that your agency showed 22 credit  inquiries that I find to be problematic.Please investigate these inquiries at your earliest possible convenience, I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Below are the unauthorized hard inquires that are not associated with any open lines of credit on my credit report. 
XXXX/XXXX Inquiry : XX/XX/XXXX Specialty - Shoe, Hat, Etc. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX General Clothing Stores XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX/XXXX  Inquiry : XXXX XXXX, XXXX Specialty - Shoe, Hat, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2019-01-25
Company: WELLS FARGO & COMPANY
State: OK
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:
AFTER REVIEWING MY RECORDS I FOUND CHARGES ON MYCREDIT CARD I DID NOT APPROVE SO I CALLED WELLS FARGO AND LET THEM KNOW. THEY PROMISED I WOULD HAVE THE CREDIT WITHIN 7-10 DAYS, AFTER 14 DAYS I THEN CALLED AGAIN AND THEY SAID THJAT THE FIRST PERSON I SPOKE TO NEVER PUT THE FRAUD CLAIM IN SO THEY THEN TOOK THE CLAIMS AGAIN FOR XXXX XXXX XXXX {$2100.00}, AND XXXX XXXX XXXX {$790.00}, XXXX XXXX XXXX {$740.00}, AND XXXX XXXX XXXX {$39.00}. THEY SAID IT WOULD BE RESOLVED AND I WOULD BE CREDITED IN 7-10 DAYS THEN A FEW DAYS LATER I AM TOLD THAT IT IS TO OLD, AND THAT THE COMPANIES CLAIM THAT IT WASNT FRAUD. FOR STARTERS BEFORE I CALLED I DID RESERCH ON EACH COMPANY TO MAKE SURE I DIDNT KNOW WHO THEY WERE AND MOST ARE SCAMS THAT ARE NO LONGER IN BUISNESS SO HOW COULD THEY SAY THAT I OKED THE CHARGES AND SECOND IT SHOULDNT MATTER HOW OLD THEY ARE I DID NOT APPROVE THEM AND MY BANK IS SUPPOSED TO COVER ME FOR 7 YEARS. HONESTLY I FEEL AS THOUGH I AM BEING BRUSHED ASIDE ANDI WILL NOT STAND FOR 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 non-monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX Nc XXXX XXXX XXXX XXXX Companies Names XXXX XXXX Equifax Amount of debt : XXXX Date of Service : XX/XX/2019 Provider of Service : XXXX XXXX XXXX Dear XXXX agent, I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I had several pending withdrawal transactions that showed a small negative balance. I dont have that exact amount because I didnt save the screen. I arranged a deposit of {$250.00} which showed pending on XX/XX/XXXX. Most of the pending deductions were posted the night of XX/XX/XXXX though and I was charged four {$36.00} overdraft fees. The balance AFTER the fees and deposit was {$64.00}. So I was charged {$140.00} for a total overdraft amount of {$41.00} ( including two pending debits of {$150.00} and {$7.00} ( not posted yet ). I dont think it is right to be charged that amount of fees for that negative amount. I also dont understand the process of overdraft charges on pending transactions because they can charge a fee for posted items based on pending item balance then charge another fee when the pending items post after already charging fees that make the account balance more negative. 
Overdraft charges need to be regulated so banks are not getting double fees for pending then posted. They should also have a maximum based on the amount of an overdraft. It is ridiculous to pay {$140.00} for an oversight of one transaction that caused an overdraft of {$41.00}, especially since multiple withdrawals were posted but the last items were small amounts so received multiple fees. I am on XXXX and this is almost $ 10 % of my monthly income. It should be usury. 
This situation is with PNC Bank in Michigan.

Company response to consumer: Closed with monetary relief