BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have several credit accounts with Synchrony Bank. I filed a dispute about a transaction in XXXX of 2021. When I tried to access my account, I was given the run-around. I tried several times to access my account using the website. 

I was placed on hold for more than 20 mins, no one came back to check. I was also sent a text, after providing the last 4 digits of my social security number. The representative also stated that the number on file which works could not be used even after she sent me the 5 digit code. 

What I do not understand is that in the age of technology, why are customers being subjected to these ridiculous methods of verification. If a customer has an online account then that method should be used, which includes the use of email attached to said account.

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 2022-08-10
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of {$120.00} and asked for help from cash app and didnt receive any and under article 315 of the revised penal code that such false pretense or fraudulent representation was made or executed prior to or simultaneously with the commission of the fraud ; that the offended party relied on the false pretense, fraudulent act, or fraudulent means and was induced to part with his money or property ; and that, as a result thereof, the offended party suffered damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My card went missing maybe a week ago, but I always misplace things so I didnt think anything of it, I would just XXXX money to family members so that I can have cash. After doing that for a week I tried logging in my account again to XXXX once more, and I noticed my account was locked. I then called to listen to transactions and noticed a check for {$15000.00} was deposited into my account and I didnt notice. Whoever deposited this check was trying to transfer money via wire. The bank wont talk to me and has now placed my account on a hard hold.

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 2019-01-19
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
There was a wire fee of {$15.00}. They shouldn't charge this when I did not get the incoming wire at a proper time. I have done wires at other banks that are much smaller and got the wire on time. 

It's unacceptable that Chase gave it to me so late. I needed to send the money. 

Not to mention when I called the local branch, they were not nice and basically gave me zero information even though they wasted many minutes of my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan account with Wells Fargo Bank that I am beginning to repay. Upon inquiring with Wells Fargo Student Loan Customer Service about automatic payments, I was told they would email me the forms for automatic payments and I could fax them to Wells Fargo. I completed the forms after they were emailed to me and signed them electronically. I then faxed the completed forms to the fax number provided by Wells Fargo Customer Service on XX/XX/2020. 

On or about XX/XX/2020, I received a letter from Wells Fargo Bank dated XX/XX/2020 stating that they would not accept my automatic payment forms as they were electronically signed and Wells Fargo requires my original wet ink signature. Nowhere on the forms or the instructions for said forms did it say that I was not allowed to sign these forms electronically. I called Wells Fargo Bank Customer Service the same day and asked if this was true, I was told yes. I then asked to speak to someone in their legal department as nowhere on their forms did it indicate that I was required to provide an original signature. I was assigned a case number and told I would receive a call within ten ( 10 ) business days. 

I was contacted XX/XX/2020 and informed that although the forms do not say that I can not sign electronically, they will only accept an original wet ink signature. I was also informed that these forms could not be faxed, even though the first representative I spoke to said that I could. It also does not say on the forms that you are unable to fax the automatic payment forms either. I informed the representative that it was absolutely appalling that none of this was disclosed on these forms, to which I was told that I was absolutely correct and this information should be on those forms. I was then told that this information would be forwarded to their legal department. 

If Wells Fargo Bank does not accept electronic signatures on their documents, then it should be clearly specified on their forms. I was allowed to apply/sign for all of my loans electronically and sign them electronically so I assumed that I would be able to do the same thing with the automatic payments. I find it completely unacceptable that this information is not properly or appropriately disclosed to consumers and Wells Fargo Bank should make any and all effort to resolve the situation 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 2019-09-17
Company: Io, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Is a collection account from an insurance service I had in XXXX  and I paid off. This account was sent to a collection agency named Receivables Management Systems. I asked to the collector to sent an itemization and the collection agency sent an itemization that does not anything. It doesn't say what my monthly payments were, it doesn't clarify where the late fees stem from, it doesn't specify what payments were reversed or when the file was cancelled. Furthermore, my final payment is for a large amount. That is indicative that I called on the final month and payed off the balance before I moved to XXXX. I asked to a friend to call on my behalf because this collection agency threat me very rude in the past. The collectors transferred the call several times to several departments and finally transferred with a collector who couldn't tell us anything about the account because it was a collections department and not a dispute department and no managers were on the floor and no one could speak about this account but anyways we have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX was contacted through the CFPB to show this account as closed. According to their response, they have notified Transunion, XXXX, and XXXX  that this account has been paid in full and should be reported as closed no longer showing a derogatory account on my credit report. Please correct this and show as a closed account and no longer a derogatory account.

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 2020-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have been in an awful identity fraud situation recently and someone has activated an account with BOA without my permission. i have reported this before and it worked for a little bit but it is reappearing for no reason. this account is not mine and it needs to remain blocked.

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 2020-06-25
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to many problems with application and closing through US Bank Mortgage, I decided to change mortgage companies within just a few months of purchasing the home. The closing with the new mortgage company was XX/XX/XXXX. I was told at closing that I would receive my escrow money back from US Bank Mortgage. 

I neglected to stop my automatic mortgage payment early enough, so the XXXX payment was taken from my checking account. 

On XX/XX/XXXX I called US Bank Mortgage, spoke with XXXX. She told me it takes about 20 days for the check to be sent to me. She said the funds taken from the additional mortgage payment would be reflected in the escrow. She offered to send me a breakdown of what the check would include. That was never received. 

On XX/XX/XXXX I went to my local branch to inquire as to the status of the check. I did not get the name of this person. She gave me an amount, which was different than the amount that XXXX gave me, and told me the check was sent XX/XX/XXXX. 

Today, XX/XX/XXXX I called and spoke with XXXX who told me the check was sent XX/XX/XXXX and the amount. When he told me the amount, it was less than I was told before. Upon questioning why, I was told the amount was for PMI. That amount was double what I should have paid and was sent after closing. I asked to speak to a supervisor. 

I was then connected to XXXX who told me the check was sent on XX/XX/XXXX. I asked for the phone number of someone in Corporate and was told they were unable to do that. 

I attempted to find details on my internet account with US Bank, but the account is no longer available for me to see. I don't know how I can be sure of what the correct escrow amount should be, nor where the extra month mortgage payment went. 

I would like to file an official complaint.

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 2018-06-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Experian of incorrect information on my credit report regarding a bankruptcy. Experian initiated an investigation that resulted in Experian reporting that the US Bankruptcy Court of XXXX verified the information as accurate. I have reached out to the US Bankruptcy Court of XXXX and have written proof that the US Bankruptcy Court of XXXX does NOT verify bankruptcy information with credit bureaus ( please see attached email ). This leads me to believe that Experian really DID NOT verify ANY of this incorrect information and told me ( the consumer ) untrue and inaccurate information regarding this dispute. Per the National Consumer Assistance Plan ( NCAP ), effective XX/XX/2017 : Public record data must have your name, address, and either your Social Security number or your date of birth AND The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

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 2020-10-10
Company: EQUIFAX, 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:
My last 4 of my social is XXXX. I checked my personal credit report and I noticed unauthorized inquiries had been made. So I first contacted these furnishers of the inquiries, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Also, I have attached a copy of my passport, social security card and utility bill with my current address for your files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: NEW CITY FUNDING CORP.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank started charging me a monthly service charge of {$30.00} on my checking account. without notice or justification. 

They said that they could return four months but not all seven months. They gave no reason why they couldn't return all of the funds. They also gave no reason why they didn't give me notice. I suspect that this is a routine business practice that is harming many checking account holders.

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 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
This company did not complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XXXX 

XXXX {$7200.00} ( XXXX  Transunion, and 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 2020-02-05
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$2100.00}, {$10000.00}, {$39000.00}, {$10000.00}, {$27000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account

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 2020-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove my extended fraud alert, security freeze and consumer statement.

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 2020-06-25
Company: BSI Financial Holdings, Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 i started a refinance on my primary home. BSI holds a mortgage to an additional home that i own jointly with my mother. They refuse to release any verification of mortgage. I signed the release with my lender on my primary home which was sent to them, then i signed an additional release for BSI. My mother has also signed a release with BSI. I have called and left messages that don't get returned, and over the course of 3 weeks i have spoke to 5 different customer service reps who have different answers as to why they won't release verification of mortgage to my current lender. Most recently i was told that my mother filed bankruptcy, and the house was not included in that filing, and due to that they don't have to release verification of mortgage.

Payments are made monthly to BSI financial. I
receive no confirmation, no receipt, no monthly statements. Im not sure that the payments are being applied to the mortgage, and the customer service associates can't sent me anything to show payments received or applied.

I have been denied my verification of mortgage for 7 weeks now and it is causing a significant amount of problems in me refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
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: Public record information inaccurate

Complaint:
Checked my credit report. I see some of my old accounts that were discharged but so accounts are not showing.

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 2020-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Bank of America sued me without proper notification. Bank of America never made an attempt to talk with me and to understand my situation and to work with me. I had an ongoing relationship with Bank of America for 22 years and a history of paying my debt. I a carried full outstanding balance on the credit card for a number of years, used all my savings from my XXXX K and made every attempt possible to honor my debt. Bank of America used its unlawful collections practices to freeze and delay my employer payroll salary payments to my Bank of America checking and savings account. I closed my personal checking account with Bank of America due to its tying process with Bank of America credit card collections group. Bank of America used it resources, power and reach to pressure my family and I and threatened our financial well-being with its unlawful collection process. By knowing and having access to my checking and saving accounts it collaborated with Bank of America Credit card debt to find ways to crush my family and I financial well-being in unlawful ways.

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 2018-06-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a ticket using rewards miles, and was surprised to find when I checked in ( XXXX ) that I had to pay {$25.00} each way to check a small carry on bag. I know that I would not have agreed to this when I booked my ticket through chase. When I looked at my ticket, it states carry on = free. When I looked at booking other tickets, it is equally unclear on their mobile app about baggage fees. If they want to market themselves as a travel rewards card, they need to be up front and be truthful in their app when you redeem points with carriers. See the screenshots - any reasonable person would be decieved by this. Unacceptable.

Company response to consumer: Closed with explanation