BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, XX/XX/2022 at XXXX EST, I received a text message from my bank, Wells Fargo XXXX informing me a new XXXX Recipient ( named " XXXX '' ) was added to my account. I did not give any authorization for this contact to be added to my checking account as a XXXX Recipient. 

At XXXX EST on the XXXX, I subsequently received an email from Wells Fargo Bank stating I sent a XXXX Payment of {$750.00} to this recipient, XXXX This was a fraudulent charge, thus immediately called Wells Fargo to dispute the fraudulent XXXX transaction and opened a fraudulent claim. Wells Fargo immediately closed online access to my checking account at that time. 

The entire week of XX/XX/XXXX there was no communication or follow-up from Wells Fargo Bank regarding the claim that I filed ( no email, letter or phone call ). 

On Monday, XX/XX/XXXX, I called the Fraudulent Claims Department to follow-up on the status of my claim. At that time, I was informed by the Claims Specialist that the investigation was closed and the dispute was denied without any further explanation. 

In closing, I am hoping CFPB can help rectify the situation with Wells Fargo and have the fraudulent XXXX transaction of {$750.00} refunded to me by Wells Fargo. 

Thank you in advance for your time and assistance.

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 2016-07-15
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I received a letter from First National Collection Bureau Inc alleging that I owe a debt. I do not owe any debt to First National Collection Bureau XXXX Inc., XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX. I had already sent XXXX XXXX XXXX a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by First National Collection Bureau on behalf of XXXX XXXX XXXX XXXX XXXX which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by First National Collection Bureau, XXXX XXXX XXXX XXXX XXXX, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I found out I owed a debt after I moved to a different state. A collection agency contacted me and said if I paid {$75.00} the debt would be cleared from my credit and resolved. This was in 2011 XXXX XXXX and Resurgent keep reporting the debt and are harassing me for additional funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX bill from 2004, hurricanes blew XXXX towers down here in XXXX Florida, no service, had to change companies. This debt is 11 years old and should be long gone, this collection company keeps '' renewing '' the debt and claiming it is new. 11 years old!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
We closed our Capital One account a few months ago after the general public learned they had been hacked. The company had no problem doing this. For the past couple of months we have been unable to access our account online but Capital One is still taking money from our checking account on a monthly basis since we did set up auto pay. The last payment was withdrawn on XX/XX/2020. We did not receive either a statement or a notice that the payment was made. We called Cap One today XX/XX/XXXX-20 beginning at XXXX and after being transferred 3 times and almost 2 hours later we were cut off and no resolution to our problem took place. 
Our first call ( after a 10 minute wait ) was answered by XXXX who stated she could only do verifications and transferred us to another person ( after a 20 minute wait ) named XXXX or XXXX or something like that. She had a heavy accent. After several times trying to understand our problem she said she couldn't help because the account is closed and we were transferred to another place. After a 1 hour hold we were cut off without speaking to anyone. 
We are frustrated and feel ripped off that we are not able to see our account but yet they are taking our money. 
We aren't sure if Capital One is practicing fraud, deception or just plain bad business but we want online access and out of this card completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid 19 I was laid off by my employer. I contacted Specialized Loan Servicing ( SLS ) to start a forbearance, but was told that at the end of 90 days I would need to pay the full mortgage amount. ( XX/XX/XXXX ) I have a XXXX XXXX Loan and according to the CARES ACT this is not correct. I was able to scrape a couple of payments together with the government stimulus, but I am still without work. I called back ( XX/XX/XXXX ) and was told that a deferment would not be possible. When asked why this is so they said they were following the mortgage owner guidelines. This is not what the XXXX XXXX site states or the CARES act. I asked to speak with a supervisor and I am awaiting a return call. I feel the SLS is being unreasonable and anything short of a deferment will cause a raise in my mortgage to a level were i wont be able to pay. 
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 2020-05-18
Company: AMERICAN EXPRESS COMPANY
State: WA
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 applied two amex credit cards ( delta Golden and platimun  ) from last XXXX. After three months they denied the welcome bonus for me because i am ineligible. However i didnt see any notifications when i applied. Just want to tell people be careful in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.

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 2020-03-23
Company: Eagle Accounts Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CHILD SUPPORT PAYMENTS ... ... OAG CHILD SUPPORT ENFORE IS ON MY CREDIT REPORTS ... ... THESE ARE NOT MINE PLEASE HELP ... credit scores are in bad shape due to this being on my accounts .... there 10 's of thousands XXXX XXXX IN TEXAS ... PLEASE HAVE THESE DELETED .... THANK YOU

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 2018-06-13
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Well? Here I am again opening a new complain. After my last call to you in XX/XX/XXXX ( sorry, I do not remember the exactly day ) I received the letter Of American Express around the first week of XX/XX/XXXX,  about my complain number XXXX. 
I need to open a new complain after I followed my funds with Taxation and Revenue State of New Mexico. The State of New Mexico needs to know when ( exactly ) American Express send the report and the total amount, the State of New Mexico it has not receive any info about it ; neither any number or sum. Actually I also need American Express to prove me and tell me how American Express sent my information and my funds to the State of New Mexico.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: ALLY FINANCIAL INC.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Ally Financial has made it extremely difficult to close my deceased grandparent 's account. I have the death certificate information for both grandparents but they request a medallion signed document that each banking institution had said is unnecessary. There has been a lot of back and forth and they have not been helpful with concluding this matter.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: NC
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:
This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX 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 XX/XX/2022.

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 2019-10-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I saw a promotional offer by Amex Delta Gold Business for XXXX bonus for $ XXXX spend in first 3 months & {$50.00} statement credit with Delta purchase on XXXX ( XXXX ) that didn't expire until XX/XX/2019. I joined due to this AMEX/Delta advertisement. 

Afraid to apply to unknown sites, I applied on the primary AMEX website because I already had an account and wanted to avoid phishing of personal information from unknown sites. I also called Delta/Amex and was told to apply online ( instead of the phone ) to get a temporary number so I can book flight tickets immediately. I actually didn't get a temporary # which resulted in my airfare going up {$200.00} and added a stop over/longer wait time waiting for the credit card.. 

Once I got my card in the mail ~XXXX, I called AMEX to honor the bonus I saw on their marketing sites ( XXXX  ) which I have a screen capture. The AMEX representative said she couldn't do anything and only could get XXXX.. 

I explained to her that's really unfair for an AMEX marketing currently available which I'm aware not to be honor when a customer want to be reassure to use a legitimate primary AMEX site to apply. 

How would a consumer know which website is legitimate or not to apply to assure they get the current marketing offer? I contacted them as soon as I got my physical card and the promotional offer is still valid. I didn't call a year later or even a month later. Most stores honor an advertisement difference in 30 days, why can't credit cards advertisement be held to this to assure consumer personal information won't be taken trying to take advantage of promotional offers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i opened this account and went through XXXX had to send bank statement ss card and id finally got approved with a XXXX limit, well i went to go use card today and they denied my purchase and froze my account with out notifiing me against the fcra rules then she told me use another form of payment was so embarrasing, first they discrimate against me with a XXXX $ limit now they froze my accoutn bc im XXXX and XXXX, this bank is XXXX needs to be investagated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: CA
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:
This account was paid on terms and was never late. However, Experian keeps reporting inaccurate late payments on my account. On XX/XX/XXXX, I requested via a letter from Experian the exact and specific procedures they used to verify this account but they failed to respond and only provided a generic letter response. I sent them another said request on XX/XX/XXXX and XX/XX/XXXX and they still have failed to provide this vital information.

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 2017-02-13
Company: SUNTRUST BANKS, INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We took out a loan with XXXX in XXXX for a term of 180 monthly payments of {$590.00}. SunTrust acquired the loan from XXXX in XXXX and has applied the payments in such a manner that even after making the number of payments we agreed to, they say we still owe approximately $ 8K more. I do n't understand why we would owe more if we paid according to the payment terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: WI
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:
In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!! 

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I paid XXXX mortgages using my Suntrust business checking account. 
On XX/XX/XXXX online banking showed I had insufficient funds but all XXXX were posted, not pending or on hold, and I was charged {$38.00} for each for insufficient funds. The next day, XX/XX/XXXX, Suntrust added an additional {$38.00} return fee for each of the XXXX. This was in addition to the {$38.00} insufficient funds fees. I think I should have been charged one or the other, not both.

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 2016-06-05
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am in the process of paying off my student loans. I went to setup an auto deduction for loan with AESSuccess and I was prompted that I could not setup an auto debit of more than {$1000.00} more than my minimum monthly payment. I wanted to pay an extra XXXX so I could pay it off by XX/XX/XXXX. I find not being able to pay as much as I want over the monthly minimum very disturbing as now I have to make two payments and they get to accrue more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I allowed XXXX XXXX XXXX to work with Fed Loans for an income dependent repayment plan. I sent payments ( {$620.00} ) to them every month until I found out that I could make the same arrangements with Fed Loans directly. At this point, Affordable Life did not forward my payments to Fed Loan, because I did not allow permission for them to access my Fed Loan account. Affordable Life told me that if I did not work through them, I would have to pay {$1900.00} a month. At this point, I sent my tax returns ( 2014 ) and filed for another IDR. I did not hear back from Affordable Life and in the meantime Fed Loans reports 120 days late payments to the credit bureaus. I would like this negative and false reports removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
My salary got reduced and payments were high. XXXX XXXX XXXX my mortgage company filed foreclosure. Unable to come up to the huge amount they demanded I filed for chapter XXXX motion to stay since I only had 21 days to respond or lose my home. Later XXXX XXXX XXXX transferred my home to Rushmore. I found Rushmore inflated the amounts i owe and made it impossible for me to maintain the payments and increase the interest higher. I absolutely disagree on the amount they came up with. After making a steady payments and staying current they sent a letter calming I missed payments for 9 months and filed a foreclosure for a short sale. In between I received a letter from the government stating I qualified for a new program called Harp for a fixed rate. I was filled with hope and agreed and singed on. Front cover looked like a government offer for home owners to keep their home from Obama. HOPE and Hud were on every page approving this modification. Later XXXX which was working on behalf of XXXX XXXX XXXX asked a retaining fee and lawyers fee which I paid informing me the money would be added or count as a payment for my mortgage. I paid {$1600.00} each month to them for a period of 3 months. I do n't remember the application fee amount. The process took more than 5 months and i was warned not to speak to the mortgage company since they were the lawyers they must speak to them. One of the documents I signed stated I was not allowed to contact the Rushmore. Later on I received a letter and a auction sale on my property with an eviction notice from Rushmore. Heartbroken I contacted my chapter XXXX lawyer and asked how this can happen. I found out the XXXX part was fraud and I was a victim of scam. I did not question it because the flyer looked like it came from the government. I need help. I want to keep my house. I 've worked to hard and believe in the American dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They didnt remove incorrect information such as addressess, phone numbers, names. Which I never lived there. It should be XXXX XXXX, XXXX XXXX XXXX XXXX SC 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 2016-04-25
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The amount of the check was for {$1700.00} the amount in the account was {$1300.00} the account did not have enough money to cash this check. I put down for 2 mortgage payment instead of 1 my fault. This amount is over NOT by {$100.00} or {$200.00} or {$300.00} but over {$400.00}. The check should of went in as a NSF {$36.00} charge to the account and not cause my account to roll over and over with NSF fees. I am requesting that the NSF fee be removed from this account. This will not happen again I 'm putting my mortgage on auto pay.

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