BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: AMERISAVE MORTGAGE CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started an application to refinance my mortgage with AmeriSave Mortgage about mid XX/XX/2023. My husband and I wanted to put an addition on our house. I was not able to come to an agreement with the builder we were working with so we did not move forward. I contacted my loan officer to close that application but I continue to receive multiple txt messages and emails regarding additional information needed to close my loan. I started responding nicely that I'm not moving forward with the loan and my file should be closed but I continued to receive txt and emails. At one point I responded that I would report them for harassment if they didn't stop contacting me. I still get txt message and emails every couple of days. I'm not sure if its actually coming from a person or if these are just being auto generated. My loan officer assured me my file was closed but the message just will not stop.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company closed my account cono apparent 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 explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo would add random fees to my account and freeze my account sometimes as well back in XXXX 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 2023-05-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, On XX/XX/XXXX, I went to a Local TD Bank Branch to withdraw money from their ATM. I was using a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX card that costs {$50.00} dollars. This card was swallowed by the ATM due to unknown technical issues. The Bank Branch that I was visiting had workers inside and I asked for their assistance, not only did they show complete disrespect, they also only gave me the number of the ATM service company which was no help as they told me only the Branch has any power when it comes to contacting the ATM Service. Now I am unable to withdraw money without paying an additional {$50.00} however I want my card back as there simply is nothing wrong with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXXXXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2023 I need to bring to your attention again the violations of my rights as a consumer and also ask you to uphold the law under your obligations as the CFPB. I ask that under the laws 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515.

I have been a victim of the violation of the Truth in Lending Act ( TILA ) also my Right of Rescission under 12 CFR 226.15 & 12 CFR 1026. 23 ( b ) has been violated. I have also be violated under the Fair Debt Collection Practices Act ( FDCPA ). 

I have been continuously harassed at my home, and my character has been defamed. This has resulted in the damage to my credit, losing credibility with companies I had been associated with for over a decade. I demand that you rectify this issue immediately and compensate me for all the damages caused to me. 

As a consumer, I have the right to be protected by the law. However, the violation of my rights has caused me immense stress and financial loss. I urge you to take immediate action and ensure that my rights are protected as a consumer. 
I can have my claims documented and backed up by all my doctors, of the stress and health issues this situation has caused me. If needed, they have already been informed of all recent events. 

I would like to remind you again of your responsibility under the law 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515. I request you to investigate the matter and take appropriate action against the parties responsible for the violation of my rights. 

Im asking the CFPB to use their enforcement authority. This statement is of the CFPB and has not be upheld in my eyes. Yet I continue to ask that the CFPB uphold their responsibilities to consumers. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions.

When a bank, company, individual, or other entity breaks the law, we may take enforcement action against them. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received multiple phone calls from my bank stating someone was attempting to transfer money in amount of XXXX dollars using the XXXX feature. It didnt sound right so I hung up on them and immediately called my bank fraud dept and told them this and to please freeze my account and do not allow any money to transfer out. They transferred my savings into another account in correct amount. I thought I was safe. The next day the transfer went through. This amount put me well over the actual limit that is allowed for the mos. I believe a Wells Fargo employee could be involved with this. No one can explain to me how this happened and my bank is refusing to refund my money. Wells Fargo is not protecting my money.

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 2023-05-09
Company: Kikoff Inc.
State: TN
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:
I saw that Kickoff was inn my credit report, and I never signed up for that company, I tried to contact and the company 's phone was disconnected. I tried contacting via email and there limited contact info about them. Even the XXXX has marked the company as a scam. It saying they reported late payments but I have never heard of them or made a payment to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I wrote a check from my Wells Fargo checking account ( check number XXXX ) dated XX/XX/2023 for {$440.00}. The check was cashed/deposited however in the amount of {$6100.00} which is {$5700.00} more that the check amount. Wells Fargo does not dispute the check amount was written for {$440.00} nor does it dispute that the amount wrongfully taken from my account was {$6100.00} ( minus the {$440.00} ). Wells Fargo denies responsibility for this transaction despite being the bank from which the funds were fraudulently or mistakenly drawn. Wells Fargo states that it will investigate and it " will try '' to get the money back and that's all they can do. They have some mysterious " process '' that involves " reaching out '' to XXXX XXXX XXXX which is the bank where the check was deposited/cashed. I spoke with at least 5 people at Wells no of whom appear to knowledgeable or empowered to actually help their customers. Instead Wells states that XXXX XXXX XXXX  is fault. That Wells Fargo allowed {$5700.00} to be wrongfully taken from my account without immediate or certain remedy is unacceptable.

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 2023-05-09
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Company XXXXXXXX XXXX XXXX XXXX XXXX I had credit with them over 4 years ago. It was written off and never attempted to collect the debt. It got removed from credit profile. 
Collector contacted via email that I owe them. As per California law, collector had 4 years to collect any debt. They did not try to reach out to me before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time that's why this is ridiculous

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 2023-05-09
Company: Block, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Upon using cash app, I have mistakenly sent money to maybe XXXX or XXXX different people and have requested my money back as they told me to. Upon requesting it back XXXX incident occurred where the person did try to send the money back and cash app blocked it and they denied the claim. They also close down the other parties cash app as well as with their money still in there. They block their account as well with their money still in the account. This person is now not able to get their money or send me any money as well it is. I file a dispute. It gets denied! I read in there policy that when money is sent to the wrong person, its up to the bank to agree to return the money back to the center. I have been told that they are not allowed to do that that thats not in their policy and then again they arent allowed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth third bank erroneously applied home owners insurance during covid period and applied my regular monthly payment to my impound account. I provided proof that the insurance had, in fact cashed the check for my home owners policy. The check was " lost '' somewhere between the sender and insurance company, however, they did eventually cash it. I have made every payment on time. Fifth third refuses to credit back my account for placing their insurance policy on it and continues to say I was late on my monthly payments when in fact, all payments were made on time. I want the credit report corrected to reflect all payments were current. I have never received a late charge on this account. I sent copy of front and back of insurance check showing it was cashed by insurance company as well as the policy declaration showing the dates of coverrages. They still refuse to refund me or update my credit report. They also refunded me my first payment on the loan saying " no account found '' which I then had to resend the check out. 
My title company sent them an additional check to cover the insurance that they erroneously placed until it could be sorted out and Fifth third sent me a XXXX check back for impound overages???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX my loan was sold by Guaranteed Rate to Chase Home Lending. During the time of transference, I had established an automated payment through my US bank account to issue a physical check to the address listed on the paper bill. After approximately three weeks, i did not see the payment process through on the account. I reached out to Chase and they said that they did not receive the funds. In order to prevent a lapse in payment, i processed an over the phone payment. A week later, the physical check showed up at the Chase address listed on the back of the statment and was processed. Chase informed me that the address the check was made out to was not a valid receiving center for their company. I disputed the statement with proof of address on the documents received in the mortgage transfer. Chase requested a copy of the cashed check image and i provided it to them showing that the check was received and automatically deposited by their processing center into a XXXX account. Chase denied any wrongdoing and stated that i sent the check to the wrong address. After an internal investigation, they report no error in receipt of the funds. I had told them that i would need to dispute the check with XXXX Bank and they would have to sign off that they did not receive the funds. They claimed it was fraudulently endorsed and told me that i would not be punished on my credit due to the mortgage transfer grace period. I was able to bring their balance current while awaiting the resolution with us bank to retrieve my funds. After further investigation, I've learned that the XXXX XXXX XXXX XXXX mailing address is a third party/subcontracted bulk payment processing center. This was the address listed on the back of the bill as an acceptable address and representative of Chase and its affiliates. Any errors incurred by their affiliate is an error incurred by Chase. I've provided copies of my statement, check and attempts to communicate with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account name : XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hi, I get a messege in my cell phone saying that I had a court summons for XXXX XXXX XXXX XXXX for a Chase Credit card anmd that the amount I own is {$15000.00} dollars and they said that sent a offer in XX/XX/2023 for {$5900.00} dollars but I told her never received that information. 
she speaking fast and she offer 125 payments for {$100.00} but if I want to pay now with a credit card I just pay {$3600.00} is the 30 %. 
But I told her accepted {$2800.00} and said wait a moment and come back soon and said I offer {$2000.00} dollars but with the fee is {$2400.00} dollars. 
she knew my Social Security number and my Personal Information.

And for the payment she asked for a credit card to pay.

And was a Unknom Messege.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Harpeth Financial Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have provided Advance Financial the XXXX  XXXX Bankrupcy case filing notice showing that the loan account number XXXX is filed in XXXX XXXX Bankrupcy as of XXXX XXXX from the notice of XXXX  XXXX Bankruptcy notice attach with them listed on my XXXX  XXXX Bankruptcy draft petition inwhich i am providing to you all. 
And they have the account listed as and balance owe of {$330.00} dollars instand of it listed in XXXX  XXXX Bankruptcy case filing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
I am disputing the balance of {$4500.00} on this Nissan Acceptance account that was closed and paid off in XXXX  by insurance. My credit report has been in good standing for almost 4 years, and then randomly a couple months ago a random and incorrect balance and late fees appeared. The account that I am disputing is Nissan Acceptance Company. There should be no balance of negative marks and late payments should be removed from my credit report so that my score can be returned to the good score that it was. I have tried disputing numerous times and I have attached the documentation to show that this account has be closed and paid off by insurance for years. My Credit score was in the mid 700s before this randomly appeared recently. I have tried calling Nissan, but they have been no help. Also, I have disputed with the credit bureaus and my score goes up temporarily and then goes back down again. I have all of the documentation for proof, but I have been giving the run around for a couple months now. Please help me!

Company response to consumer: Closed with explanation