BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My name is XXXX XXXX and I made a bank deposit last Thursday on XX/XX/XXXX through the Atm at the Bank of America in XXXX, Tx on XXXX XXXX.I put my debit card into the ATM machine and Deposited {$300.00} for some reason the ATM started glitching and never gave me a receipt but it did eject my ATM card back out..I then proceeded to call the Bank of America to let them know what happened and they filed a claim and said I would see a credit for XXXX the following the day, when I went to check my account the credit was not in my account, So I called Bank of America again and they said they would not be able to credit my account until they finished their investigation..I think they are being unfair this was my money that their ATM basically stole from me and they are not wanting to credit my account while they are doing their investigations, that is a big inconvenience for me because that was all the money I had for the week, they said it could take up to XXXX buisness Days to see any kind of credits/ or Adjustments..Pease help, as a consumer I think this is injustice considering us people that live from Check to Check, just because their a Big Corporation does not mean they can or should treat us this way, its not fair please help with this situation.. Kindest Regards, 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 monetary relief
Consumer complaint received 2023-08-05
Company: WASHINGTON FEDERAL BANK
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/23 I walked into WAFD BANK TO DEPOSIT A CHECK?, from XXXX XXXX? ( a friend/ step dad ) he normally wires me money from XXXX XXXX  XXXX XXXX XXXX, I asked to deposit my check ( {$4000.00} ) & they said sure. The check was cashed & processed & posted to the account on XX/XX/23?, according to WAFD REPRESENTATIVES?, & online banking evidence ( proof of the {$4000.00} posted/credited to my XXXX XXXX XXXX ACCOUNT ( XXXX ) ( a savings acccount ). On XX/XX/23 the bank released my check hold?, authorization to release my funds of {$4000.00} to my money market account?, FUNDS WERE AVAILABLE TO ME & THE CHECK WAS CASHED & CREDITED & POSTED TO MY ACCOUNT?, On XX/XX/23?, someone in administration of WAFD BANK?, stole my money ( {$3000.00} ) & proclaimed, that ADMIN : return CAN XXXX XXXX On the contrary, the check already had been cashed & processed on XX/XX/23? The representatives of WAFD BANK said, THERE WAS A STOP PAYMENT PLACED ON XXXX on XX/XX/23? I dont know what those people in the back office of WAFD BANK is doing to my accounts?, but they are stealing {$25.00} from each of my wires & they are placing stop payments on my checks & they are committing serious fraud?, & they are refusing to explain to me the situation of why they are stopping payment on my check XXXX that has already been cashed? As well as returning my money or crediting my account for the amount relinquished. They are seriously hurting me financially & it has caused my finances to go into default debt for the moment. Please help me to recover my cashed check XXXX & ( {$4000.00} ) have it immediately credited & posted as was back on XX/XX/23?, it is illegal to place a stop payment on an international check that has already been cashed & processed in the account. Greatly appreciated, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday XX/XX/XXXX someone on social media offered to send me XXXX weekly and i would send XXXX to another person via another banking app, they sent me an email of a check and i did mobile deposit, at the time only a certain amount went into my account so they told me to just send that. Everything seemed fine and then a couple days later we did it again but right after i completed the mobile deposit my friend brought up the idea that it could somehow be a scam and i didnt think it would be because i was receiving money but i didnt send anything and called my bank ( wells fargo XXXX to try and cancel it from going all the way through and explaining how it could be a scam. The lady told me it was fine and i could just cancel it once it goes through, that was not the case whatsoever, wells fargo closed my accound and left me with an overdraft fee of {$400.00} which i ended up going in person to the bank and trying to fix all of this but they made me pay the {$400.00} And now i cant open a checking account with other banks and i just turned XXXX i need a checking account and to have good credit how do i dispute this.

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 2023-08-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ive had Chase for over a decade. There have been problems here and there but weve managed to fix them no problem. Now it seems they seem intent on charging me fees to the point of having to close my credit card account and tank my credit score in the process. 

I opened a credit card with them in XXXX. It has a $ XXXX limit. I admittedly havent been able to pay off the entire amount due to the financial stress of the pandemic economy but I have been making my minimal payments on-time and been paying down when I can afford to. 

In the last few months, however, Chase has decided to add an additional fee to my credit statement named a Purchase Interest Charge, that has not be present since I opened the card. This new charge has not only put me over my limit each month but has increased my monthly payment by {$28.00} ( an increase I can not afford at this time ). I received no notice of this change and have been told by a rep that this is a standard practice. 

In the last 4 months, I have been charged an additional total of {$190.00} on my credit card under this mysterious fee and an additional {$29.00} in late fees having not been able to make the {$68.00} payment. 

I have also noticed that my checking account, I have been charged a Monthly Service Fee of {$12.00} for the past two years, something I never agreed upon when I signed up for the account in XXXX. There are XXXX charges of {$12.00} starting in XXXX ( a total of {$300.00} ). Again, received no notice about this charge. 

I am a regular consumer who trusts my bank to handle my money fairly and in the manner in which we previously agreed upon. Im sickened to think that the place I funnel the entirety of my income into is taking money from me unjustly and without me knowing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I recently was scammed by a fake company that had made me deposit a fake check and stole my ssn. I currently have a negative balance in my bank account and lost all my savings for the time being. I am a victim of fraud of identity theft and my bank TD bank would not help with my situation and ask me to pay without listening to my complaint and situation. Within the past week I had XXXX taken out of my account. I tried filing for a dispute but Im not sure if the bank will help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account has been closed for a year now. 
And the bank didnt send me my remaining balance. They keep sending me my bank statement every month, and this year I realize that they tried to take money out of the account even though they said its closed. I had to give them a call so that they can put back the money they charged into the account. 
They locked the account without justifications and no proof of fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Due to TransUnion consumer services provided illegally activities refund my money due illegally activities I was told my membership was cancelled an I was supposed recovery my refund never received it an people working for TransUnion work from home fraudulent activity request were my refund at my unpaid service that been cancelled

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 2023-08-07
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had lost access to my checking, savings, mortgage accounts as well having lost my ability to write checks and use my bank card. Now after XXXX weeks I still do not have full access to my accounts. Webster has out sourced it help desk to some foreign nation with people who have very heavy accents and their only response is to change my password which I have done 16 times to no avail. When I go to the local bank branch they tell me the the main office has to fix the problem. Webster says it has upgraded its security but in the process they have screwed up virtually everything. Some one needs to be fired or the bank should be fined for this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: OH
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive had this account XXXX years and my late husband served in XXXX XXXX XXXX and he was an honorable veteran and XXXX. 

Im currently receiving his pension checks since his death in XXXX 

Bank would not exist without people like him. End of that story. 

Now bank refuse to release the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received alerts notifying me that there has been a data breach with a government entity that has my PI stored in their systems. I was urged to take action by reviewing all of my information to make sure there are no changes or anything unrecognizable on my accounts. I was also urged to change my information. This has happened twice already and when I reported the issue the first time after noticing some changes on my credit report, the issue had not been fixed. I tried placing a lock on my credit report but I discontinued with the payments which they then discontinued the service.

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 2023-08-08
Company: Fay Servicing, LLC
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:
The account balance reported to all 3 credit bureau is incorrect it's higher than my actual balance they also reported my account has increased it has not it has lowered

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On or about XX/XX/23 i mailed 2 checks drawn on Webster Bank, to XXXX XXXX XXXX XXXX XXXX XXXX  ) each for {$25000.00}, attys  checks, and they never arrived at XXXX. They were stolen and deposited in XXXX  XXXX XXXX ( per webster bank ) and Webster Bank paid the funds even tho the back of the check said For Deposit only, XXXX, XXXX Operating Acct, and my name as asst treasurer. Myself and XXXX XXXX spoke with XXXX XXXX of Webster Bank. She gave me no info except that she would get back to me and then called the issuer of the check and i received an email indicating XXXX would not speak to me because i didn't have a XXXX account and to inform me of this. XXXX then called XXXX and she told him that because i had endorsed the check, the thief was able to deposit the check. " It was as if she ( that would be me ) had given the thief envelopes of XXXX dollar bills. '' We spent a couple of weeks looking for the check at XXXX, perhaps mistakenly deposited, a few weeks waiting for our atty 's advice, and our atty suggested our insurance company. I think Webster bank has responsibility here and XXXX  XXXX XXXX. I've made reports to police, postal service, Fed trade Comm. Someone needs to get into bank records to help us... an audit perhaps... to get us back our funds and/or to find out why this really happened. Its a lot of money to give out so easily without some inside fraud involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
My account was overdraft multiple times. Also Ive seen and reported fraudulent use of credit card as well as checkings & savings.

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 2023-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX, during my employment with XXXX XXXX, I opened a checking account ( and very likely a savings account, but not exactly sure ) with USAA and within a very short time they misled me about various aspects of their banking services, which escalated into intense conflict, causing me to close out my checking/savings account ( s ). When closing them, at no time did the USAA representative ever disclose that wording in the membership contract I agreed to ( a veterans only bank ) allowed USAA to keep any of my personal information in their database, as a pretext to keeping my membership in their records. When I received an entirely unexpected email from USAA roughly 7-10 days ago, advising me that my Account Review was complete, I not only had no idea what an account review was-since I no longer had an account with USAA, but wanted to know how USAA got ahold of my personal information, when I understood they were required to purge my personal information from their database, when accounts are closed. When I finally got a manager in the fraud department on the phone ( after 26 attempts ), she advised me that yes, the accounts were closed, but covenants in the contract allow USAA to keep my personal information, as a portal to my membership, which they regard as current ; USAA insists they dont have to honor my privacy rights, because ( by insinuation ) my veterans membership is a lifetime membership. None of this was ever disclosed to me and I demanded they purge my personal information from their database, which USAA flatly refused to do, because of the covenants in the contract. They directly and indirectly insisted that they dont have to honor any members or previous members privacy rights with them insisting they dont care if I file this complaint with you! USAA also admits they dont care if keeping my personal information makes me dangerously vulnerable to the dark web and identity theft, which they admit Im vulnerable to, because of their reckless, unauthorized retention of my personal information! I demand USAA purge my personal information from their database and be fined for deceptive accounting practices, that include failure to fully disclose account closure practices by USAA that are not subject to privacy rights laws and banking industry standardsthat USAA seems to enjoy flaunting, for refusing to believe they will be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. 

Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by Portfolio Recovery Associates , LLC raises legal concerns about its validity. 

I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, Portfolio Recovery Associates , LLC may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. 

I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.

2. Proof of the legal transfer of this debt and ownership for collection.

3. A copy of the agreement or contract related to this debt.

Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. 

Account Number : # XXXX & # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Alabama Housing Finance Authority
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had XXXX twice this year, once in XXXX and in XXXX. Around XXXX or XXXX I called in to ask for a forbearance and the call rep said I was not eligible because I was not late on payments and did not test positive for XXXX. Got XXXX in XXXX and called in and got a forbearance they sent me a letter saying I had XXXX months of forbearance and when I called at the end of XXXX months to make my payment they wanted me to pay more over XXXX months but I was not able to do so at that time and now they say that I might get foreclosure if I dont pay full amount I also tried to fill out home owner assistance fund XXXX after my first XXXX and answered all questions honestly and they denied me so I would like to file a complaint on both parties

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Sold me a bad car then went out of business would shut off my car and I wasnt behind on the note or anything didnt honor my gap or insurance canceled everything without any notice sold my information to a another company without my permission the list goes on horrible company horrible horrible horrible

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account with XXXX was fraudulently opened with my information in XX/XX/2021 for the amount of {$9200.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.

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 2023-08-13
Company: WELLS FARGO & COMPANY
State: FL
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:
Well Fargo approved a payment to XXXX XXXX. Went I spoke to well Fargo representative they told me was pay because they assume recurrent payment that I authorize. 
I have XXXX XXXX since 2020 but every year I need the payment by my self on different card number. Because I dont have confidence in automatic payment. On my XXXX account they have an old card number one that is discontinued. Well Fargo accepted the payment through that card number. I have the receipt from XXXX XXXX and oldest receipt where is proof of payment with different card. 
How can Wells Fargo been some irresponsible to give my information to that Comp and 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