BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone managed to acquire our bank information via hacking a my I phone in another state. They then mobile deposited fake checks and turned around and wire transferred them out. Wells Fargo claims their " security features '' for this type of fraud is ironclad via sending secured text messages to my phone number every time a deposit/transfer/or wire transfer is done. I checked and this feature works fine as my notifications are on and no such messages show up on said XXXX phone records of mine.When we noticed this happened 24 hours later Wells Fargo said it was too late to dispute and that they had internal information that they sent me secured text messages to which I agreed to all the deposits and wire transfers ( saying I returned all the secured 6 digit codes back to them to initiate transfers ) .They refused to share the confirmation of these alleged returned codes, and they refused to identify the device type the fake checks were deposited through or ID numbers.After going to the OCC they decided to tell is when we agreed to mobile checking ( which the pushed hard and even opened for us at the bank ) that we are responsible for any and all fraud that may occur. When I mentioned I never agreed to wire transfers, they said when we agreed to online banking we agreed to all updates to the accounts.We are now out {$3000.00} in our childs college savings account. Great Job protecting Child accounts Wells Fargo.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX  XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX : Account # 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.

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 2022-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i had bankruptcy on my account however they have been removed. I have disputed with the companies and it was removed from my XXXX report however it has not been removed from XXXX or Experian. also the dates do not match up. I would like this removed from both these companies. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i moved from my address in XXXX XXXX to a new address XXXX. I called XXXX XXXX in XXXX XXXX XXXX to transfer the service, everything was set up to transfer and I moved to my new address. In XX/XX/2021 I started to get calls that I owed a bill for XXXX XXXX XXXX. I called my account and it showed XXXX $ owed. so i called cox and they advised that my services at my old address was still open and they made a error in setting up my transfer. They set up a new service account and left the old one open, they advised me they had fixed the issue and credited all the unused services at the old address closed it. I just recently received a report on my credit appthat cox as filed a derogatory mark on my credit for none payment. I attempted to call and get the matter resolved, and they did with to do so. I advised they can pull the own recorded calls and the notes from my full account should show when i moved and the errors in the account set up. They still refused to removed the mark. 

I notified berran wheeler by letter that this was not my debt and I disputed it. And to no longer reach out to me. They have continued debt collection efforts and will not validate the debt with 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Post transactions so my account stays negative to be able to have more overdraft fees

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 2023-06-04
Company: Bridgecrest Acceptance Corporation
State: SC
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 15 U.S.C. 1681 SEC 602A States i have a right to privacy.

15 U.S.C. 1681 SEC 604A SEC2 Also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 C. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report by more than 7years.

15 U.S.C. 1681 SEC2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 opened a dispute on XX/XX/XXXX with Synchrony Bank for the Broken Merchandise I received from Amazon, First I tried due diligence with the merchant to have exchange the Broken/defective product I received from them, the merchant denied me to exchange or return the product I purchased no leaving me option than file a Dispute with the Credit Card Company Synchrony Bank XXXX On XX/XX/XXXX, I spoke with a supervisor name XXXX ( 7XXXX ) Pacific time, I explained him the situation on the Dispute, even I mentioned him I did sent Photos of the Broken/defective merchandise on the Bank website, However I have not received any answer from their dispute department. I reported if the Merchant wants their broken item back, they need to send me Free Shipping Level because I don't feel right to pay off my pocket for the shipment in a broken Item, I received with more than 150 Lb weight or to have the merchant exchange me its defective product. XXXX acknowledged my Inquire and promise me to resolve this issue, as the time goes this issue never got resolved because I never received any information from their dispute department stating it got resolved, instead I been receiving emails trying to collect money from that purchase. So Today I contacted Synchrony Bank again I requested to speak with a Supervisor because the Fact its been almost 2 months and not information was given by the bank in regards my dispute for the defective product I received. I spoke today with XXXX I explained her last time I spoke with XXXX another of her colleagues in regards this dispute as he promised me to have it resolved for me, but instead I received debt collections Notice by the email and nothing or not information at all About the dispute I opened on XX/XX/XXXX. XXXX advised she will reopen this dispute I asked her if she can send me an email in regards also to cease any attempt by the bank to collect any amount of money while this item its in Dispute, She said will add too in the email I will received within 24 hours, As a way to be proactive I mentioned her I would do a report with The CFPB because there is a communication Link between her Customer Service Department and its Dispute Department because the fact never I received any information in regards this dispute I opened on XX/XX/XXXX. I'm attaching the bank Statements from XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX for information. Please look XXXX and XXXX statements shows the item in dispute.

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 2023-02-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I was traveling in XXXX in XX/XX/2023 and the XXXX  XXXX XXXX took a copy of my credit report without my authorization.

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 2023-02-28
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice on XX/XX/23 from SCOTT & ASSOCIATES P.C. that I owe them a debt. 

I have no contact with them, nor have I done business with them. I have sent notices to cease and desist and remove themselves as third party interloper/trespasser in my private affair, but they keep sending my notice and ignored my cease-and-desist notice. 

Attached to this case are all the communications between me and SCOTT & ASSOCIATES P.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Synovus Bank
State: IN
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:
XX/XX/2023 I sent FIRST PROGRESS A no parking rule/Refusal to pay/Cease and Desist notice and on XXXX they continue to report to my consumer report violation of regulation F paperwork attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONVERGENT OUTSOURCING IS FRAUDULENTING REPORTING A COLLECTION DEBT THAT'S NOT OWED TO MY TO XXXX, XXXX, AND XXXX. 
DATE OPENED : XX/XX/2021 ACCT # XXXX AMOUNT {$1400.00}

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've tried to lift an existing credit freeze with Transunion both online ( daily since XX/XX/2023 ) and via the automated phone service ( XX/XX/2023 - 4 times ; XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 - 3 times ). I either get an error message on the website ( " service temporarily unavailable '' ) or an error on the automated phone service ( " request can not be completed at this time '' ). I've tried to lift the freeze by speaking to customer service representatives, who request full SSNs and my PIN every time. I am not comfortable giving that information to a person when I have already verified it in the phone system prior to reaching a customer service representative. I have also been hung up on multiple times, lied to about when the automated systems will be online again, and was refused transfer to a manager or someone who can speak knowledgeably about the technical issues their site and phone system are experiencing.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX {$100.00} XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX  ) - XXXX XX/XX/XXXX {$2600.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-02-21
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX/XXXX/22 : Sent {$750.00} via Cash App to nephew. He never received it. 
XXXX/XXXX/22 - XXXX/XXXX/22 : Spent several days seeking help from Cash App Customer support. They said their system showed the transaction was " Complete '' and offered no further assistance. It was difficult working thru multiple chats, emails. 
XX/XX/22 : Sent letter to requesting refund to Square , Inc. 
XXXX/XXXX/22 : After not hearing back from them, my attorney sent Square , Inc a letter requesting a refund. 
XXXX/XXXX/22 : Cash App 's response was that I request reimbursement from the recipient- my nephew. 

My contention is that they can show {$750.00} was received by Cash App but can't provide proof that it was actually withdrawn from their app. The {$750.00} is sitting somewhere in their system. On my nephew 's end, there were no links or prompts to allow him to even access and withdraw the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent a XXXX payment via Chase bank and they deducted the amount from my checking account twice. I was not notified in any way by Chase that they had made a mistake. I only noticed a day later that the transaction had gone wrong. They have still not sent me any official notification or explanation of why they charged me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Block, Inc.
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The banking product has a feature that allows me / user to lock the debit card. If the card is locked, the card will decline any transaction attempt. Once the card is unlocked, the transaction will be processed if funds are available. When transactions are with merchants that could charge additional fees e.g., hotels, restaurants, etc., the bank will hold the charge in " pending '' status until the merchant settles the transaction On XX/XX/2023, at XXXX XXXX., I unlocked my card in advance of checking into the XXXX XXXX in XXXX XXXX XXXX, MN. I inserted my card into the hotel 's card reader, and the transaction for {$240.00} was declined despite the fact that I had sufficient funds. I used a credit card to check in. At XXXX, a hold for {$250.00} was processed on the debit card that was declined one minute before. 
The debit card at issue is a business CashApp card through XXXX XXXX routing # XXXX. 
After spending hours using CashApp 's customer service messaging, I was finally provided a phone number to their customer service. The agent I spoke with emailed me, with a reference number, and instructed me to reply with a XXXX balance receipt from the hotel. Notably, NEITHER THE HOTEL NOR CASHAPP could provide me with an authorization number for this hold because, at least on the hotel 's side, they never got an authorization number. On a phone call that I recorded, the CashApp representative stated that CashApp had NO AUTHORIZATION OR REFERENCE NUMBER for the transaction. Nevertheless, after sending CashApp a XXXX balance receipt and itemized receipt, via the email and per their instruction, the agent stated that they could not release the hold BECAUSE THE TRANSACTION WAS MADE WITH ANOTHER CREDIT CARD. 
I was in one of the most dangerous blizzards in the history of Minnesota, stuck at a hotel with no way to leave because CashApp had my funds tied up. I was there to begin with because I sat for the MN Bar Exam on XXXX XXXX. I did not check out until Saturday. 
Ultimately, without cause or effort to contact the merchant, CashApp will not release my funds until they get confirmation of an authorization release -- on an authorization that never existed and resulted from their own system error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to dispute this debt on multiple occasions, dating back to 2018. Each time NCB refused to remove the information. I have since learned there has been a data breach of my information including my highly sensitive social security number which opens me up to a realm of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently asked each creditor on my credit report which is in collection or charge off for validation of this debt and proof that I am the owner of this debt. I asked for proof of validation via documentation which includes the original contract signed by me with my signature upon the contract. They did not have this proof or ignored me Therefore remove all the negative collection items on 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 explanation
Consumer complaint received 2023-04-24
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My HELOC is currently owned and serviced by Real Time Resolutions. They issued temporary payment resolution TPA ( attached ). I have asked for clarification on the issues listed, which RTR has failed to provide. 

1. A detailed ledger breakdown of the debt owed. They allege the debt is {$61000.00}. I have records on the debt showing that {$52000.00} is owed.

2. A description of the {$7100.00} down payment application. There is no designation of where those funds will be applied. 
3. After the TPA, there is no description of the future interest rate, terms or monthly payments. There is no long term resolution listed, only a reference to the original mortgage note. 
4. In the accounting ledger supplied by RTR, the balance was {$52000.00} as of XXXX. Also, both the settlement offer and the accounting ledger refer back to the original XXXXXXXX XXXX note for interest rate and payment. The current interest rate listed varies from .06625 and .08125 ... the periodic rate that is applicable per the XXXX XXXX note is .0312 and actually declined to XXXX for many years due to lower prime rates ( published in the XXXX XXXX XXXX ). There has been no explanation for the serious discrepancies.

Company response to consumer: Closed with explanation