BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
My name is XXXX XXXX. I am a resident of XXXX, Massachusetts for thirty years. For the past thirty years, I have worked so hard to always hold my best credit scores and clean history. I have also been a loyal and excellent customer to Bank of America ( BOA ) for the past thirty years. There has never be anything like this happened in the past.

I had asked the representatives at BOA long time ago to set up the alert system in my credit card account for the fraudulent protection. And BOA had set up the alerts for me. And if there are three or more charges occurred consecutively in my account, BOA shall deny the charges and notify me immediately through phone messages. And in fact, there were few occasions that my own charges were denied due to frequent activities in my card. NO DOUBT that I was very confident for the protection provided by BOA Company. 

But on XX/XX/2020, I was surprisingly find out that there were a total of 11 unknown items charged into my account from XX/XX/XXXX-XXXX, TOTAL amount : {$420.00}, but I have not received any alerts from BOA AT ALL ! 9 of the 11 charges were made on XX/XX/2020 consecutively at different local fast food companies at the times while I were busily working. I called BOA immediately, and they first have issued a credit for {$340.00} on XX/XX/2020. But later on XX/XX/2020, they have reversed the credit, and hurtfully blamed me for making all the fraudulent charges. I then appealed to many different BOA personnel for so many times, including the Managers, but the issues have never got resolved. BOA has played the games with me by asking me to find the proof from the merchandise companies. But the merchandise companies have directed me to talk to the BOA, because they could not possibly go back to their original purchase records. I have finally realized that BOA has never been sincerely to resolve my fraudulent issues, instead by easily making a case to blame and against the fragile customer like me. 

BOA know that they are responsible for providing the protection for their consumers! And they have failed to send any alerts for 11 so obvious fraud charges, something is wrong with their system. I have already terminated my credit card service with BOA. As a consumer, I only have the responsibilities to pay for what I have spent, but not for the fraudulent charges. It is BOAs responsibilities for watching over their customers account! I was so desperate and can only file the complaint with CFPB. I herewith ask you to please help to resolve the issues and to protect my credit reputation. 

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 2021-01-16
Company: LEXISNEXIS
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 would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: WELLS FARGO & COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My mortgage is at about 6.5 %. Refinancing sounds like a good idea -- as far as getting a better rate, lower payments, etc. -- but I do not trust the entities that are holding my mortgage or that are offering the refi 's. I suppose that this is mostly about my fears regarding the mortgage, in that none the other entities involved in my mortgage -- original bank, inspectors, appraisers -- seem trustworthy. The value of my home has been re-assessed downwards twice by my home county since closing. I am aghast that no one had a fiduciary responsibility but me. In that a refi seems to mean that the bank is willing to earn less from me for the mortgage over time, I start looking for hidden dangers. No way would they reduce my side of things once they 've got me on the hook. 

Can you help to explain how refi 's work, what I should expect and what I need to know to feel more comfortable about 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 2015-12-14
Company: WELLS FARGO & COMPANY
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a check from XXXX to deposit into my account. After I deposited the check, the bank told me that the check is counterfeit. They closed my personal checking account along with my husband and my joint account. The fraud department told me that I have committed fraud. I believe that I am the victim in this situation and not the fraudulent person. We have been with Wells Fargo Bank since we retired and moved to FL 6 years ago. The bank wo n't let our mortgage check get paid from the joint account or let us use our money from that account. I think this is wrong and accusing me of fraud is wrong. Wells Fargo Bank has been very nasty to me and my husband about this. If they want to close an account, they should just close the account where the check was deposited. I do n't think they need to close an account that did not have the counterfeit check deposited. Wells Fargo bank told me that since I deposited a counterfeit check that I will never be able to have an account at their bank again. They are punishing me even though I am the victim. They wo n't let us have access to OUR money. I am ready to hire an attorney to deal with Wells Fargo and their saying I committed FRAUD and shutting down our joint account with my husbands social security money in it. They wo n't say that I am the victim with the fraud business that paid me with a counterfeit check. I make all of my deposits thru the ATM and they say that since I deposited the check thru the ATM that it is FRAUD. If they look at my history, I always deposit thru the ATM! I think Wells Fargo Bank has falsely accused me of FRAUD and not going after the people who wrote and sent me the counterfeit check is the easy way out for them. Wells Fargo Bank should investigate who the people are that wrote the counterfeit check and shut them down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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 Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXccount # XXXX, XXXX  account # XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- retail account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions

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 2021-01-16
Company: Paramount Recovery Systems, L.P.
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: Old information reappears or never goes away

Complaint:
According to PARAMOUNT RECOVERY SYSTEMS, there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( PARAMOUNT RECOVERY SYSTEMS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. 

According to XXXX, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. XXXX responded with a letter ( see attachment ) showing only a balance and service date. XXXX failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditorXXXX XXXX XXXX released my medical records to this third-party collection agency ( XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had a case of credit fraud in 2015 on several accounts and XXXX and XXXX is the only company that will not remove the report from my credit. I have sent them all of the information that I have available and that was not enough for them, but was ample for all other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received NETSPEND XXXX card as a gift card for the holidays for {$100.00}. When I tried to activate the card the system informed me that this is not a gift card and that it requires my social security number to proceed to access the funds on this card. This is fraud. Each transaction is charged {$1.00} and is advertised a gift card which is wrong because I should not be required to provide any social security number to use a gift card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi I am XXXX XXXX with SSN # XXXX. On XX/XX/2021 i sent you a letter regarding inaccurate info on my report but its been a month now, i still get no response from you, i know fcra requires you to respond w/in 30 days but it seems your not taking it seriously for i am sure you recieved my letters. now If you check my report thoroughly you will see a lot of inaccuracies there so I please fix your errors because its affecting me a lot. I will be waiting for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: Green Trust Cash, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
i am paying weekly payments through direct deposit from my bank for about a month now on a XXXX dollar loan, yet my payoff amount due is still higher than the original amount I received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
US Bank suggested that I do a loan modification because I was always a few days late on my mortgage but never more than 30 days late. They said that my mortgage would be lowered as a result of the modification. The modification did not lower my mortgage as US bank stated it would. They told me I needed to make payments through XXXX XXXX which I did. As a result of me making my payments through XXXX XXXX and them not applying them immediately they reported several late payments to the credit bureaus. I do n't think this is fair because I would not have been interested in the modification if they had n't made a false promise that it would lower my mortgage when all it did was hurt 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 explanation
Consumer complaint received 2021-01-16
Company: Square Inc
State: NC
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:
I have a cash app card. I have tried to contact them 4 or 5 times. All I get back is an email saying they will investigate my claim if I tell them who, when and where and how much they took. I have forwarded all this information to them 3 times now. No answer from anyone. Someone hacked my cash app card, and withdrew {$93.00} and tried to get more, but that was all that was on it. I sent them the names and pictures and the amount they tried to get. This took place back on the XXXX of XXXX. I feel like they are giving me the run around,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Assured Financial Partners
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, XXXX XXXX, calling friends and family, threatening to sue me and telling them about my issue. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Focus Holding Company
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A robo-call identifying itself as " Focus Receivables Management '' at XXXX calls our landline frequently, urging us to call them back immediately, to find out about a problem we have with an undisclosed company they work for regarding an unpaid/overdue debt. The robo-call never discloses the company pursuing the debt, and we have no directly communication from any company about a debt we are overdue on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Addendum to CFPB Case # XXXX : A Fraudster used an electronic fund transfer method to obtain {$3600.00} from our joint account based on FALSE representation and FALSE promise. The wire transfer fraud involved a mid-morning phone call on Wednesday XXXX/XXXX/15 by an Imposter Grandson pleading for our help since he rear ended a car, was arrested charged with a DUI and is detained at the XXXX County jail, a foreign business man whos car our Imposter Grandson hit, was a rental car and the Foreign business man paid for the damages before flying back to his country. The Imposter attorney called and stated that he was able to work it out with Judge XXXX with a Court order to release our Grandson if he repays the Foreign business man for the damages to the rental car since the business man had to pay it before he flew back to his country.. The Imposter attorney presented us with the promise that our Grandson would be released provided that a payment, which he negotiated down to {$3600.00} be paid according to a court order We can provide concise details of the communication..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company did not pay homeowner 's insurance. My insurance payment was due XXXX/XXXX/16. I 've sent several emails to this company and have not received a response. Today i spoke with a representative and she stated i am supposed to pay my own insurance, however my HUD settlement states the extra amount paid into my escrow account is to cover homeowner 's insurance and property taxes. I sent this HUD settlement to thema gain today. She said they will get back to me by XXXX XXXX but my insurance is already far past due. I 've attached a copy of the insurance billing that shows it was billed to mortgagee. HUD settlement is also attached ( PASSWORD IS XXXX ) on page XXXX shows that homeowner 's insurance is included in the escrow payment and mortgagee is responsible for paymet.

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 2015-07-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received a mortgage statement from BMO Harris bank. I noticed that my annual fee of {$35.00} that I sent in on XXXX/XXXX/2015 was not credited correctly ( they credited it to principal ). When I sent the {$35.00} in I even noted on the payment that it was for the annual fee. I contacted them at the number on my statement which is XXXX and spoke with XXXX. XXXX said that she would correct the problem and that it would take 3 to 5 business days. I was fine with the resolution until I asked her to mail me an updated statement. She told me that I could not have an updated statement and that they only sent XXXX per month. I asked her if that was the case even though you made a mistake. She said yes the XXXX statement rule still applied. I told her I was going to let you ( CFPB ) know about this rule. I have no idea if she is well within her rights or not, I just thought that you should know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Phoenix Financial Services LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical bill go to a debt collector,, after telling hospital, and telling them that the VA WILL PAY THEM..as you know it takes sometime for them to pay..well the VA FINALLY paid it..npw the collection is still trying to collect..i told them a month ago they paid the hospital ... and they are still harassing me and messing with my Credit Reports..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Advanced Resolution Services Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share information to 3rd party agencies or data mining companies. This third-party credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.

Company response to consumer: Closed
Consumer complaint received 2020-08-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a PPP loan and it was deposited into my Chase account and Chase bank now is said that first all I needed to do was for them a copy of my 1099 and also my tax return the prove that I own a sole proprietorship business and sent that over to them and now they decided that they want me to go to tax attorney or CPA to get a letter so that they can unfreeze my PPP loan funds even though the bank that did the loan already verified all my information how I worked on the sole proprietor and they funded the loan but once it was deposit to Chase Chase now has decided that they want to hold my money Ransom because they want me to get all kinds of different documentation as a sole proprietor it's not something that is needed to run the business

Company response to consumer: Closed with explanation