BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX XXXX ( hereinafter XXXX ) receives XXXX debit cards and a welcome packet from USAA Savings Bank regular mail. 
XX/XX/XXXX DWH receives a pre-approved XXXX with {$20000.00} limit in regular mail. 
XX/XX/XXXX DWH recognizes that these financial products were not solicited by me and I call USAA to inform the company that I am not a customer and that I have never applied to USAA for any financial products. Moreover, in talking with XXXX at USAA I determine that a fraudster has used my name and personal information to open accounts at USAA and that I am a victim of identity theft. 
XX/XX/XXXX DWH goes to XXXX Police Department to report that I was a victim of identity theft and XXXX begins a police report. 
XX/XX/XXXX XXXX speaks with USAA employee XXXX, XXXX XXXX for USAA. Moreover, XXXX sends XXXX an email ( copy attached ) by and between this USAA employee and the XXXX Police Department stating " USAA is in agreement and has identified XXXX as a victim of identity theft, the fraudulent accounts opened in his name have all been closed and he will not be held liable for the accounts. '' XX/XX/XXXX DWH still receiving statements from a USAA secured checking account and XXXX sends a registered letter ( copy attached ) to USAA XXXX XXXX directing USAA to close any and all accounts that the fraudster opened using my identity and to stop reporting accounts on my personal credit history. 
XX/XX/XXXX XXXX begins to receive USAA credit card bills ( copies attached ) on the credit card account that USAA employee XXXX indicated XXXX years earlier " have all been closed. '' XX/XX/XXXX XXXX runs all XXXX credit reports to check for erroneous activity. Moreover, the XXXX report ( copy attached ) shows that USAA inquired XX/XX/XXXX on my personal credit without a business purpose. 
XX/XX/XXXX XXXX calls USAA and indicates that personal credit inquiries without a business purpose are illegal and that they have never had an account with me ; they had an account with a Fraudster. Moreover, I indicated that USAA is now harassing XXXX with billings, lates fee charges etc. on an account that was supposed to have been erased from my records. Finally, I indicate that if USAA does not send me in writing a statement saying that this credit card is closed and taken care of, I will file an official complaint with USAA Savings Bank 's financial regulator -- Office of the Controller of the Currency. 
XX/XX/XXXX DWH contacts XXXX at XXXX of the Controller of the Currency consumer complaint department and she directs me to file with the Consumer Financial Protection Bureau. 
XX/XX/XXXX XXXX files email complaint with Consumer Financial Protection Bureau supported by various PDF attachments that support the facts of the matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Theres alot of unauthorized inquiries on my   XXXX   credit report from companies i dont recognize ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: DISCOVER BANK
State: WI
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:
My credit card was stolen by an unauthorized user on XX/XX/2019.  The fraudulent charges added up to XXXX dollars. I claimed my card stolen with discover. I sent in information in XXXX  and never got in contact with discover. On XX/XX/2019 I asked again to have them reopen the case, they still said my charges were fraudulent. They spoke with an officer on my case that I filed with the state for stolen property and identity theft. The officer told them he spoke to the person who I thought stole my card and that the person admitted to stealing it. discover still held me accountable. They officially closed my case on XX/XX/19 as being not fraudulent. I still owe XXXX $ to this company from late/interest fees from fraudulent charges on my account. Ive reopened this case four times, Ive spent countless hours building my own investigation on this case because discover wouldnt help me. Ive spent over 10 hours on the phone with discover. They had me talk to around 8 different people each time. Having me wait on hold for 30 minutes at a time. To all tell me I am responsible for changes I didnt make. They were rude to me each time I was on the phone and kept information from me on the case multiple times. The person who stole my credit card is being carded with a Misdemeanor A. By the state of Wisconsin for stealing my credit card with discover, yet discover still holds me accountable. They used the words removing themselves from the situation because they dont feel its their responsibility I trusted this credit card company at first. They ruined my life, left me broke making payments on fraudulent charges, harassed me, and ruined all trust with credit card companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan was transferred to Shellpoint Mortgage Servicing on XX/XX/2021. I received notifications from insurance company and XXXX County, that no payments have been received. I contacted Shellpoint Mortgage Servicing on XX/XX/2021, I was told by XXXX that my insurance is not escrowed, and I need to pay the insurance directly to the insurance company. 

I contacted Shellpoint Mortgage Servicing on XX/XX/2021, spoke with XXXX with the tax department. I was told that there is no county tax in my escrow. On my monthly statement, there is a line item, " Escrow ( Taxes and Insurance ) {$630.00}. '' Please provide written confirmation that taxes and insurance are escrowed. If not, please refund {$630.00} that I paid for XXXX and XXXX, immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX Card Services XXXX XXXX XXXX XXXX, DE XXXX This account was included in my XXXX XXXX Bankruptcy ( Case # XXXX B ). Despite the stay order issued by the Bankruptcy Court, this creditor continues to call me, my ex-wife, my ex-father-in-law and my children. The latest collection action is coming from the XXXX XXXX XXXX using the telephone number ( 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 2015-04-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is one of many issues I have had with Wells Fargo since the inception of my loan on my Maryland Property in 2004. After many years of endeavoring to obtain a loan modification, my status is in active foreclosure EVEN THOUGH Wells Fargo has received, and accepted, XXXX straight monthly loan payments for the full amount of the monthly payment due and owing. They have scheduled a sale even though they sent me several letters stating " we will not conduct a foreclosure sale '' while my most recent loan modification submission is under review. 
That said, not only have they scheduled a sale, but I ca n't even get in touch with my " home preservation specialist '' ( " XXXX XXXX '' ) as Wells Fargo 's switchboard blocks any calls to her. In fact, I have NEVER spoken with her. 
I have complained to the Executive Office ( CEO XXXX XXXX ) but all they have done is schedule the sale. 
The attorney 's they use here in Maryland paid a fine and were sanctioned by the Attorney XXXX XXXX for robo-signing and false notarizing. That is a matter of public record- just look up XXXX XXXX ( SEE http : XXXX ) and/or XXXX XXXX ( SEE XXXX : XXXX ) Against this back drop, I am gainfully employed at a XXXX figure salary and can make my monthly payments in full even if WF does not lower my payment. So, at this point, diverting my phone calls, ignoring emails, sending form letters, dealing with sanctioned attorneys, tendering payments which are being cashed, they are still moving forward with the sale. 
Wells Fargo 's conduct is deplorable, likely illegal, and clearly unethical, though I am not sure WF knows what that mean or, if they do, they clearly do not care. They need to be fully accountable for their actions complained of herein. 

XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/XXXX, I attempted to transfer {$210.00} from my Capital One account to my XXXX XXXX  XXXX account. However, instead of the requested {$210.00}, Capital One doubled the transfer, withdrawing a totaling {$430.00} from my account. When I went to review my XXXX XXXX  XXXX account, I saw that only {$210.00} was transferred. I contacted Capital One to inquire about the mishap and was informed that XXXX erroneously authorized my card twice for the same amount. On XX/XX/XXXX, Capital One provided me a temporary credit of {$210.00} pending its investigation. This made me whole. 

Subsequently, however, on XX/XX/XXXX, XXXX arbitrarily removed {$210.00} from my XXXX XXXX  XXXX  account without any explanation. This put me back at - {$210.00}!. When I contacted XXXX  to find out why MY money was removed, I was told it did so because Capital One initiated an investigation and that the {$210.00} was reimbursed to them. I then contacted Capital One to find out the whereabouts of MY money, and it stated it could not provide me any information because the investigation was still ongoing. Becoming increasing frustrated, I contacted the XXXX  XXXX  XXXX  hoping it could help in getting MY money returned to me. On XX/XX/XXXX, XXXX responded to my XXXX  complaint simply stating that XXXX  XXXX   XXXX  services and features are facilitated through XXXX XXXX   XXXX. XXXX further stated it considers the matter closed. On XX/XX/XXXX, Capital One responded to my XXXX  complaint simply advising me that it had up to 90 days to investigate my claim. Two days later, on XX/XX/XXXX, Capital One sent me an email stating only that it " finished investigating my dispute, that any temporary credits deposited into my account are now permanent, and that my dispute has been resolved. '' However, neither response has been helpful because neither XXXX nor Capital One has provided me any findings or conclusions. Most importantly, since XXXX removed {$210.00} from my account to [ allegedly ] reimburse Capital One, I am still out {$210.00}. 

I have contacted XXXX  and Capital One several times since, and as of XX/XX/XXXX, I still have not had MY money returned to me OR an any explanation whatsoever regarding what happened to MY money. I am hoping your office can help or provide me some information as to how I can get MY money returned from either Capital One or XXXX XXXX XXXX. I find it disheartening that, in XXXX, a financial institution can arbitrarily remove money from an account without any explanation whatsoever!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 OPENED XX/XX/XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX BANK OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XXXX XXXX, XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( OPENED ) XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXXXXXX OPENED XX/XX/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 an 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 2022-07-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent accounts on 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 2020-04-29
Company: EQUIFAX, INC.
State: MN
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 was in the process of buying an ATV  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: KEYCORP
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1. Checking account was opened in XX/XX/XXXX for a student with parent on the account. 

2. XXXX protection was added to cover overdrafts. We do remember that money was transferred from this checking account to a place called XXXX. 

3. In XX/XX/XXXX we inquired about this " XXXX '' account that we saw on online banking that totaled about XXXX. Key Bank at the XXXX, WA branch stated " it 's your money '' and we withdrew that amount. This " reserve '' account was not closed. 

4. In XX/XX/XXXX a 'XXXX ' account was activated. However my credit report indicates this was opened XX/XX/XXXX. Key can not provide documentation stating they have records dating back 7 years only. 

5. We were unaware of any change from whatever was overdraft protection prior to XX/XX/XXXX since the process appeared the same, i.e. money was transferred from checking to an account for overdraft protection. Key Bank can not provide documentation of this and denies there ever was a cash reserve account. Key states that this account was approved by either myself or other account holder over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a fraudulent withdrawal from my account from an ATM and the only reasoning they denied my claim was because the ATM was in my area also the incorrect PIN number was used, and more than the available balance was tried to be withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Wellsfargo financial misapplied my XXXX 2014 payment, per XXXX XXXX, which led the bank to apply a late charge. 

My monthly payment is {$64.00} but because of the one misapplied payment ( I overpay every month ) the bank, per XXXX, was assessing late fees and placing them into my principal balance, which led to strictly late charges causing my delinquency and they continued to assess late charges almost every month there after, all to my balance which would incur interest. 

My understanding is that banks can not charge interest on late fees and late fees can not cause a loan to be delinquent. 

The bank admitted their error but told me before waiving all of the inappropriate late fees ( all late fees ) that I had to pay over {$200.00}, much more than my {$64.00} payment. Had I not been an employee of another financial institution and well aware that they could not make me pay money 's not owed I might have paid to resolve my account, they did insist I pay it to get myself current so they could fix their posting errors and remove the late fees that I have and would be paying. I refused and asked to speak to XXXX 's supervisor, whom I 'm sure was n't there on a Sunday, and cited that how they treated my account, if it was as XXXX described was in direct violation of FDCPA/CFPB regulation and I 'd have to lodge a complaint. She did correct my account supposedly, but I fear for other customers, who knows what they are doing, and honestly I wo n't believe my account is fixed until I see it, particularly all of my overpayments correctly applied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: WELLS FARGO & COMPANY
State: MT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
we have an auto loan with wells fargo dealer services. we had gotten behind on payments. we believe it was only 1-2 payments. we have asked for statements showing every payment, and all of the fees that have been assessed to the account. we have now found that they are still placing force placed insurance ( we have always covered the vehicle with full coverage ins ). We have provided proof of insurance numerous times. with the most recent this last week. and we provided in XXXX as well. it is a very frustrating time consuming endeavor we have taken on with these people. We want to have all the force placed insurance taken care of and any other fees that should not have been assessed.

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 2015-04-14
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, we received an alert on the Positive Pay Exceptions, a Citi Bank system to detect irregularities, for one of  the checks ( {$200.00} ) issued by my employer indicating a duplicate presentment of a check on XX/XX/XXXX, asking our action to take. We immediately requested " Stop Payment '' via the online banking. With regard to the Positive Pay Exception, the said check was issued to one of our colleagues. 

The check was physically deposited with the original paper document by the employee, not via the check photo, at which the custody of the original document transferred to the bank for further processes. The colleagues bank is also Citi. We asked Citi to investigate the incident and inform us of findings. The response was, " With the increased use of check scanners and banks allowing photos of checks in order to make deposits, Citi does not physically receive checks in most cases. When the depositor retains control of the check, it is not unheard of for checks to be presented more than once. I have requested that the duplicate posting be reversed and will let you know once that is complete. Please let me know if you have any questions. '' However, this comment was totally irrelevant because the deposit was made with the original paper check. Even though there was no monetary damage caused to us, such an attempt for duplicate presentment of checks is a matter of grave significance. If there was a malicious person who purposely made an attempt to encash a check twice, it could be a crime. I would like to report this, hoping there will be additional investigation or corrective action, if any, to be taken.

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