BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I have recently gotten out of forbearance and are trying to settle our partial claim with the mortgage company. The documents they have requested we sign and have notarized have incomplete numbers on them. They have listed interest, principal, and taxes and insurance. The interest and principal have listed balances, but the taxes/insurance are left blank. The balance does not add up and my husband and I do not feel comfortable signing the paper work without seeing an itemized balance. We paid escrow while on forbearance and we would like to be able to see all of the amounts we owe and what we have already paid in the past year and a half we have been trying to deal with this. The mortgage company has no contact with the third company that has to deal directly with the customer. When calling the third party answering service, they have no one to help us and can not assist us with this. This is the second time I am having to make a complaint with this company and will now be making a complaint with the XXXX  XXXX  XXXX. We feel that the mortgage company has failed in properly assisting their customers and we would like our mortgage to be sold at this point so that we no longer have to deal with them. I don't feel like this is an honest company and they should not be handling people 's mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: MORGAN STANLEY & CO. LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My beloved wife XXXX and I each received a XXXX  letter from Morgan Stanley advising each of us that our accounts with Morgan Stanley were breached and that our Social Security numbers were stolen! 

Morgan Stanley conveniently does not tell us why our accounts were breached despite the repeated assurances that breaking our accounts is impossible because Morgan Stanley has in place sufficient security protections to prevent this from happening. 

Claptrap! Morgan Stanley did not take the precautions necessary to protect our accounts. And I dare so the accounts of huge numbers of other people. 

Just last week my beloved wife received an anonymous telephone call inquiring about her Social Security number. She hung up. 

Morgan Stanley knows XXXX well that our Social Security numbers and those of a huge number of people were stolen. 

Morgan Stanley is trying to convince the public that it did everything it could to protect accounts and that all is well. But all is not well as aforementioned! 

Morgan Stanley should be and must be brought to task for this deception, this misrepresentation, and this incompetence! Period! 

But Morgan Stanley is rich and has an army of well paid attorneys and public relations/customer relations/marketing people to pull the wool over our eyes and those of the public! 

Morgan Stanley should be heavily fined!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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 2022-06-21
Company: GOLDMAN SACHS BANK USA
State: GA
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:
In XX/XX/2021 I paid off my credit card with Goldman Sachs. In XXXX and XX/XX/2021 I had thousands of fraudulent transactions on my credit card. I have dealt with Goldman Sachs for 7 months to get all of the transactions resolved. They are still not all resolved. Also, through all this, I have not made a payment on the fraud balance and so Goldman Sachs has been reporting me 120+ days past due on my credit report.

Goldman Sachs has resolved all but {$120.00} of the fraud balance. 
I have spent hours on the phone with them and each time I call I hear the same story. " We will escalate this to the appropriate department and someone will call you within 90 days ''. NO ONE has ever called me nor has anyone corrected anything. 
I just want the remaining balance to be XXXX and my credit restored to the way it was prior to the fraud, which was 100 % perfect payment history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NJ
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 several hard inquiries and accounts fraudulently opened in my name after 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 2022-06-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore is late in payment from escrow on my towns property tax, forcing me to make payment to avoid a 30 Day Notice of Lien ( attached ), despite having informed Rushmore when the notice was received. They have removed monies from my escrow account. This is still not resolved after nearly a month of my calling, practically daily and spending hours each call, forcing me to pay out of pocket to cover the cost and avoid the notice of lien. They have no estimated resolution. I do not have confidence Rushmore can effectively manage payments or escrow. They are negligent in their servicing and incompetent in their resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i was told my acccount was restricted and i couldnt use my debit card in a year please help this is a mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I've recently been a victim of a XXXX scam/fraud. I lost {$7000.00} in the fraud, and Bank of America is unclear as to whether they will reimburse me. They informed me they would begin a 10 day investigation, but I have not received the funds, and I can not contact them. I've been on hold for three hours today. It has been over 10 business days, and the fraud was reported within 2 business days. 

The scam/fraud is elaborate. First, a text was sent inquiring if I authorized a XXXX transaction of the maximum daily transfer of {$3500.00} ( XXXX does in fact send this form of notification, though this is fraudulent ). I replied " no '', and then received a call from a spoofed phone number that says " Bank of America '' and does in fact appear to be the customer support number. They first identified themselves as BOA fraud investigators and inquired if I made a {$3500.00} transaction, and when I reply no, they stated that they must complete a fake two factor authentication. They asked me to confirm the last two purchases made on your account, then to provide a 2FA code sent via text. You provide the code, but in reality, the code is used for them to steal the phone number associated with your XXXX account, which they have just initiated. They then request you to send {$3500.00} to your own phone number on XXXX to protect our funds and allow them to cancel the pending transaction. You think you are sending it to your own account, so the funds are safe, even if it is fraud. But in reality, they have stolen your XXXX account, based on your phone number. The bank denies responsibility and states they are unable to cancel a XXXX transaction even if it is in-processing. This happened twice in a 24 hour period. 

I believe I am titled to reimbursement under Regulation E, given that it was a " token error '' and therefore qualifies as an unauthorized transfer. I believed I was sending money to my own account, but was tricked into providing a 2FA Code by fraudsters posing as BOA. The CFPB affirms that regulation E protects me.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.

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 2020-07-30
Company: I.C. System, 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:
This company is reporting an old account originally reported in 2016 as a new collections account to all 3 credit bureaus. This process will allow the negative account to remain on my credit report longer than the 7 years legally allowed. This is also making me appear as a higher risk by showing a new account on my credit reports.

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 2022-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I have a Bank of America credit card that had fraudulent charges from XX/XX/2022 - XX/XX/2022 for a total of {$520.00} : XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX On XX/XX/2022, I froze the card through the Bank of America app and called them to inform them of the fraud. However, I got a letter dated XX/XX/2022 that informed me that my claim was denied since my chip was read, which is not possible as I keep this card in a drawer at home and it has never left my apartment this year. It's also odd to me that it was rejected as I first noticed the fraud as a result of a Bank of America notification informing me of unusual activity.

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 2022-04-23
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for an Aspire credit card 2-3 months ago, was immediately told it was approved. Almost a month goes by and never received in mail, called company and they said they would mail a 2nd time. 
Still never received in mail. 

I told them i thought this might be a scam as their recording states to activate card as soon as you call, and i keep getting texts or emails to activate card which i never received. 

I called and gave them a new address to send card to, called back and was told to wait until XX/XX/XXXX, which was still another month. At this point I do not want their card as i found out it is for people with bad credit and has a monthly fee. 

I am going to call company now to tell them to cancel my account. Please make sure they have cancelled my request. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: MS
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-06-06
Company: EQUIFAX, INC.
State: NY
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 XX/XX/XXXX, these agencies have 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 an account without my written instructions. 
XXXX violations : Closed account, XXXX XXXX # XXXX Dept Edu. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XX/XX/XXXXand XXXX Equifax closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #XX/XX/XXXX : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XX/XX/XXXX??? XXXX XXXX. 

XXXX Closed accounts :XX/XX/XXXX XXXX, XXXX XXXX with 2 accounts andXX/XX/XXXX Please remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # 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 that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I originally applied for an auto loan through Bank of America and was approved for an auto loan for up to {$53000.00}. I found a car at XXXX XXXX in New Jersey and the out of door price for the car came to {$44000.00}. The representative XXXX XXXX XXXX ) that was handling this transaction was in close contact with the loan rep ( XXXX XXXX ) and got the deal approved and ready to go. So I drove up to New Jersey from XXXX, VA to pick up the car. When I got there I met with XXXX and signed all the documentation and also was told that I need to get insurance for the car before driving off the lot. I called and got insurance through XXXX that cost me {$530.00} to initiate the insurance. XXXX then sent over the insurance binder to XXXX XXXX. This was all done on XX/XX/2022. 

Now I get a call on XX/XX/XXXX, XXXX from the Finance Manager at XXXX XXXX and they are telling me that Bank of America has not sent over the funds yet because Bank of America is only covering {$37000.00} of the car and I need to come up with the rest. I do not see how this is my issue when the sales rep and the loan rep approved everything before I drove all the way up to New Jersey and now they are telling me that I need to come up with the remainder of the money or return the vehicle. 

This has been impacting my livelihood in the worst way and is extremely inconvenient for me to go all the way out of my way to drive there for them to tell me this almost a month later.

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 2022-04-23
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a US Bank XXXX  payroll card from my employer. I am XXXX and use a special landline service for TTY calls, closed caption. Due to my XXXX, I do not have a cell phone. US Bank is refusing access to my account without a cell phone number for verification. I have filed multiple complaints with US Bank over the phone and in writing. There has been no resolution for nearly a month. With this block, US Bank is refusing access to my funds, funds balance, the ability to set the PIN number, refusal to withdraw funds, refusal to allow me to use the debit card, and so forth.

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 2022-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sirs, I, XXXX XXXX XXXX, customer of XXXX " XXXX XXXX  '', XXXX, XXXX, which has a corresponding account in Bank of America , N.A . XXXX I made a wire transfer transaction from XXXX Bank, XXXX. ( Please, look through attached file ) to my account at XXXX XXXXk. 

wire transfer XXXX from XXXX XXXX USD XXXX XXXX XXXX XXXX XXXX ( see XXXX XXXX way ) Unfortunately, the transfer has not still arrived at its final destination, it is at Bank of America corresponding account now- as far as XXXX Bank informed me . It also provided me with the details of its current location- and that Bank of America received additional information about the wire transfer on XXXX. I have to tell you, that it is not a pleasant surprise for me to wait for such a long time for my money, i hope you understand my feelings. Please, be so kind, provide me with the information about the possibility for me to receive the transfer as soon as possible because it is really important for me as I borrowed it from the bank for not a very low % ( XXXX!! ) need to pay from this money for my moms needs as soon as possible. Please, Do not hesitate to contact me if it necessary.

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit report was requested by someone other than me but claiming to be me. I called the credit agencies and verbally requested the ip address and any other identifying information regarding who fraudulently pulled my credit report. I have a suspicion it was my ex spouse. When I went to pull my credit report, there was a record of another pull and that was not me.

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 2023-08-03
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I was unable to purchase my medication for upcoming XXXX. I called the card company and was told my zip code was wrong. They claimed to reactivate the card after I asked to speak with a supervisor when they requested all forms of ID including my birth certificate. 

I feel it was a phishing attempt. 

I would like to close my account with them after this experience, but I am locked out of 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