BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
While traveling in XXXX, specifically in XXXX, on XX/XX/2023, I attempted to withdraw money using my Wells Fargo ATM card. Upon reaching the ATM machine, I noticed the unfavorable exchange rate applied by that particular bank and the additional " commission fees '' being imposed. I had read online that in XXXX, various banks employ different types of FX rates and fees, so it's advisable to compare options before making a withdrawal. 

I visited four different banks in the same area but couldn't find a reasonable exchange rate. Each time I attempted to check the exchange rate at the ATM, a screen displayed the cost in US Dollars and the commission fee to be charged. At this point, the ATM provided the option to either " cancel '' or " continue '' with the transaction. I chose to cancel all four times, so no money was dispensed to me. 

However, after four months of what Wells Fargo claims was an investigation, they are asserting that two of the four transactions actually disbursed money, which I strongly reject, as it is false. They are currently refusing to refund me, and it's worth noting that this isn't the first time Wells Fargo has caused me financial inconvenience through their lengthy and bureaucratic processes. Approximately three years ago, a similar issue occurred, but I chose not to pursue it further due to the significant time, effort, and stress involved in attempting to recover my funds. I've reached a point where I can no longer tolerate such experiences

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 2023-11-30
Company: Source Receivables Management LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I canceled a contract with XXXX ( security company ) for failure to abide by the terms of the agreement. I then pursued charge reversals through my credit card company. My credit card company sided with my case on all but 1 of the 8 charges I disputed. That 1 charge they did not side with me on was a lump sum payment for {$430.00} for early termination. I have called XXXX to work this out but they forwarded my account to a debt collection company called Source Receivables Management, located at XXXX XXXX XXXX , XXXX XXXX, XXXX, NC XXXX. I have received 8 phone calls from them, I have answered 3 of them, for the first 2 I explained the situation to the agent, the agent said they made notes on the records to reflect this, I told them to stop contacting me, yet they persist, with multiple phone calls every week, and phone calls as early as XXXX XXXX. They will not stop persisting no matter how many times I explain the situation, no matter how many times I ask them to stop calling, and they do it at unreasonable hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : : XXXX XXXX The account 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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Chase Bank A vendor erroneously charged card twice. {$25000.00} duplicate charge. To preserve account good standing, I paid both amounts. Vendor has since corrected and Chase took forever to reflect credit ( almost a week ) and is taking yet another week to process paperwork and claims they need yet another week to send a check ( 3 weeks of {$25000.00} of stolen money ). I will also report to Southwest who is the credit card partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: OPTUM BANK, INC.
State: DE
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I recently had a issue with my XXXX XXXX XXXX XXXX  XXXX  what happened is that on XX/XX/XXXX XXXX refunded twenty five separate transaction payments back to my Utility Spending Account but it did not get returned to that account until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX and MACYS/CITIBANK, N.A. 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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CAPITAL ONE Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX Capital One Credit card told me they reported to XXXX to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: VW Credit
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was checking my credit report and noticed that VW had reported my old Car Loan to all 3 credit bureaus as 30 day late for the month of XXXX of XXXX  as well as 30 day late in XXXX of XXXX XXXX Multiple calls were made to VW customer service during that time sine we were in XXXX XXXX and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have another complaint with this company already. However today they told me I needed to make a payment on an account that isnt mine in order to keep it from negatively hitting my report though this isnt my account and I am currently disputing that fraud. It hit my credit report anyway and now is effecting my home loan process.

They are awful. The customer service rep knew nothing about my 9 attempts to dispute this and couldnt help me otherwise. She couldnt verify what was being worked on and when I asked if I needed to send the FTC identity theft report again she said she did not know.

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 2023-10-18
Company: OPTUM BANK, INC.
State: DE
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XXXX returned {$1200.00} to my Utility Spending Account on XX/XX/2023 but the funds went missing for XXXX full months and did not return to the account until XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit 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:
On XXXX XXXX at XXXX, 5 fraudulent charges were charged to my credit card. Immediately, Capital One sent me an email asking " do you recognize this purchase? ". I replied " No, Somethings wrong '' as I did not make this purchase and I have never heard of the vendor before ( XXXX XXXX XXXX XXXX. Then on XX/XX/XXXX, Capital One opened the case to investigate fraud ( case # XXXX ) .The next day, XX/XX/XXXX, I received a letter in the mail stating there was insufficient evidence to prove it was fraudulent, therefore, the charges were put back on my credit card. We called Capital One 's fraud department and they said they would not re-open the case again unless a police report was filed. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sheriffs office opened a case ( # XXXX ) but was unable to create a police report without the following information : merchant ID, address, square ID number, location, city, time of each transaction, square device number. On XX/XX/XXXX, once again called Capital One requesting this information, only to receive a fraction of it. Capital One has no merchant address as well as no phone number. I have done my research and am unable to even find a company with said name ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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: Experian Information Solutions Inc.
State: LA
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This complaint pertains to the practices of Block, XXXX XXXX, a company frequently getting in trouble with the CFPB. 

I received a call from a scammer who stated she was from my cable company and would give me a discount in exchange for a {$190.00} fee. I paid the fee via credit card and the charge said " XXXX XXXX XXXX XXXX ''. 

As this was a scam I tried to reverse the charge with my credit card company. Block refused to refund the money despite my offer of evidence ( including a recording of the call ) that the caller and account user was a scammer. 

That is, not only did they refuse to refund my money, but they refused to investigate the fact that their payment platform was being used for wire fraud. 

Block supplied information stating that the merchant in question was named " XXXX XXXX '' ( short for XXXX : - )? and was a taxicab and limousine business. 

I question how they would allow a taxi business to use the merchant name " XXXX XXXX '' unless they knew and didn't care that this would be used for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
In Complaint # XXXX I explained that I was a victim of an Internet Fraud activity in which my bank, XXXX XXXX XXXX XXXX US {$9000.00} to a Bank Of America XXXX BOA ) account which BOA had XXXX for the scammer or an agent thereof. I provided their account holder information including name, payment reference, account number, routing number and date in order to fully identify the perpetrator and the event. Also, I provided the XXXX Case ID ( # XXXX ) and the BOA Incident Report ( # XXXX ). 

In this prior claim I put forth XXXX questions to BOA : XXXX. Does BOA have procedures in place to properly vet their customers? 
XXXX. If so, were these procedures properly followed regarding the recipient of the wired scam funds, BIG EQP LLC? 
XXXX. Why has BOA not communicated with the XXXX XXXX with meaningful information? 
XXXX. If no recovery has been made, does BOA carry insurance or self insurance to protect victims of this increasingly prevalent occurrence and if so how could I, as victim, access these funds? 

In their response to the prior complaint, dated XX/XX/23, BOA answered NONE of these questions! Instead the response references privacy policies which do not allow them to to disclose any detailds about accounts. Although the responder wrote that she reviewed the correspondence carefully, even a simple reading would confirm that none of the questions in the original complaint inquire about details of their customer! 

Why couldn't the questions be answered? 

Furthermore, in telephone conversations with BOA personnel since the prior complaint was filed, I learned that XXXX the subject account had been frozen., XXXX there had been close to {$300000.00} of complaints against this account, XXXX initially that the account holder had " pushed back '' against the claim, XXXX more recently, that the account was permitted to be closed because the account holder DID NOT RESPOND! XXXX despite having properly filed a recall request form and " hold harmless '' letter in XXXX, XXXX XXXX asked to do both of those submittals again in XXXX. What did BOA do with the original complaint? Miscommunication and inaction on the part of BOA seems to be the only consistency. 

By not properly vetting their customer and not seriously considering a victims 's recall request and complaint relating to it, is BOA complicit in email fraud and wire fraud?

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 2016-05-02
Company: Trademark Management Solutions, LLC.
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
the company is called trademark, the number is XXXX they are constanly calling my job and getting smart with me and other employees. i talked to them 2 time, and told them both time i want somthing in writing in the mail and they refuse, and wont give me that until i give them my credit card number. they have given my boss information that they should not be sharing with anyone. they have cussed at other coworkers. I looked the comapny up online and cant find them, they refuse to give me their adress. they threaten me with court papers. i am in the process of trying to get ahold of the actual comapny i got the loan from to see whats going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-10-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit 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:
A payment was made on my Paypal Credit/Synchrony Bank for {$580.00} and posted to my account on XX/XX/XXXX. The check has cleared my bank and I am attaching a copy of the cancelled check for proof of payment. My account number of XXXX XXXX XXXX XXXX is also on the face of the check so it would be applied properly to my account. 

Prior to the payment posting I requested research as to why my payment had not been posted to the account as it was sent in earlier in XXXX. Apparently XXXX disputes were started for the same issue on the same day and a Dispute temporary credit issued twice for {$580.00} on XXXX 

On XX/XX/XXXX, the payment finally posted to my account for the {$580.00}. 

Then on XX/XX/XXXX - THREE reversals were made for {$580.00} on my account- all of which are listed as PAYMENT CORRECTIONS. Only the XXXX temporary credit amounts should have been corrected, not the actual payment made that cleared my bank for {$580.00}. 

Then on XX/XX/XXXX ANOTHER charge shows up on my account for {$580.00} and is listed as a purchase. There is no such purchase and this is a fraudulent charge. 

I now have XXXX {$580.00} amounts showing on my account that are NOT CORRECT and need to be fixed. My payment for {$580.00} on XX/XX/XXXX needs to be posted back to my account and the charge for {$580.00} on XX/XX/XXXX needs to be removed for a total of {$1100.00} credited back to my account for these error to correct the balance on my account. 

I have made multiple attempts to call Synchrony Bank/Paypal and am either transferred to " billing '' and the call disconnects or no one ever answers the call after very long hold time. It is impossible to try and resolve anything with this company via phone or chat. 

Their billing practices really need to be formally investigated as something is very wrong here and consumers are being negatively affected. They also are reporting incorrect balance to the credit bureaus based on these errors that also needs to be corrected immediately. It is unacceptable to be told it will take 1 -2 billing cycles to correct their very large errors and have my credit negatively affected and incorrectly reported under the FDCPA. I need this corrected immediately. This is almost {$1200.00} in errors!!!! I do NOT owe these amounts.

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 2023-10-19
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
I am reaching out to express my concerns and file a formal complaint against New American Funding concerning the non-refund of {$1700.00}. These were upfront fees charged for mortgage services that, unfortunately, were not provided. 

On XX/XX/XXXX XXXX my spouse and I collaborated with XXXX XXXX, a direct mortgage broker. We were informed that an upfront payment of {$1700.00} was necessary, which was explained as fees for a rate lock and buy down. We were under the impression that these charges would cater to the expenses related to our property 's mortgage loan. 

Regrettably, New American Funding did not meet the expectations set. Despite our payment, the promised mortgage services were not delivered. We were introduced to New American Funding as the preferred Mortgage Broker by the Builder, who had promised a {$2000.00} allowance towards closing costs. We trusted their advice and made a payment close to {$2000.00}. They emphasized the volatile mortgage rate environment and suggested a XXXX lock/buy down as a protective measure. However, when we noticed decreasing rates and tried to contact XXXX XXXX, our efforts were met with silence. When we finally reached him and inquired about a rate reduction, we were presented with a policy that was not previously disclosed to us. 

Fortunately, we found an alternative Mortgage Broker who offered a significantly lower rate without any upfront fees. We believe that New American Funding 's retention of the {$1700.00}, without providing the agreed-upon services, is both unjust and unethical. Their actions have caused us financial distress and significant inconvenience. 

OCGA Laws or Statutes Violated : In Georgia, mortgage brokers are governed by the Georgia Residential Mortgage Act ( GRMA ). The specific statutes that might be relevant to this situation include : O.C.G.A. 7-1-1000 : This section pertains to the licensing requirements for mortgage lenders and brokers.

O.C.G.A. 7-1-1002 : This section deals with prohibited acts and practices, which might include misleading consumers or failing to provide services after charging fees. 

O.C.G.A. 7-1-1013 : This section relates to the duties and obligations of mortgage brokers, which might be relevant if there was a breach of duty or obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Block, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So, It all started from XX/XX/XXXX - While CashApp withdrew the amount of {$50.00} from my bank account and then sent it to some unknown XXXX address. It was a small amount, so I didn't realize. I thought it was credit card payments. Cash App then consecutively withdrew money from my bank account and immediately was doing bitcoin transactions and was sending money to some random bitcoin address. I was not aware and Cash App was doing transactions like they started from {$50.00} then {$100.00} then {$250.00} for a few times and then {$1200.00} and at last on XX/XX/XXXX - {$1900.00} withdrawn from my bank account through Cash App. Those are all fraud transactions so, when I realized then I contacted Cash App immediately and reported fraud but, they made me accountable saying that I authorized the transactions ( However, I didn't and I didn't get notified for all time ). My Cash App Amount is closed now so, I can't post the bitcoin address where money was being sent but, XXXX {$5200.00} around money was withdrawn from account. Cash App is saying that me or someone I know authorized charges which is false. Money was not sent to any known person/business. I suspect someone from CashApp did transactions and made me accountable when I filed a complaint.

Company response to consumer: Closed with explanation