BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: LDF Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The transaction, in the amount of {$500.00} occurred on Friday XX/XX/2022. I was not told by the Lendumo Representative, XXXX that the payments in the amount of {$160.00} would be drafted from my checking account biweekly. Twice each month. I have used the {$500.00} I borrowed to make 1 payment already in the amount of {$200.00} drafted from my account today XX/XX/2022. The next payment is due XX/XX/2022. I'm saving that amount to make this payment and 3 payments are outstanding. How could this process be a help to the working class? I pray noone else gets caught in this criminal scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Was Wells Fargo supposed to purge Accounts with Funds as Policy and deny Transfer? CFPB should hold Wells Fargo accountable for in fraudem legis ( Legal Fraud ) relating to purging my Accounts with Funds in them and for Wells Fargo 's inherent failure to transfer said Funds to the Arizona State Treasury as promised for my retrieval by Complaint. 

After the selling of the Crime Scene to my Case in XXXX XXXX, Nevada, i.e. -- XXXX XXXX  XXXX XXXX -, XXXX XXXX, which was my Bank at the time in XXXX, XXXX, purchased Wells Fargo and continued to transferring the Bonds of Damages began with the XXXX XXXX  in XXXX till XX/XX/XXXX, at the incident Change of Address to XXXX XXXX XXXX XXXX ( XXXX  ) and with XXXX, being the last of the Transfer. This Change of Address, ( COA ) see, Attachment, XXXX, was an advice from XXXX XXXX XXXX, Branch Manager of the Wells Fargo in XXXX, Oregon. She also advised, that, if I did not, the Bank will transfer my Funds to the Arizona State Treasury and I would have to file a Complaint to retrieve my Funds. But when these Accounts were foreclosed in XXXX, XXXX due to Overdrafts, Wells Fargo did not transfer my Funds to the State 's Treasury for Safekeeping as promised. ( See, Legal Fraud ). Wells Fargo also remitted a {$500.00} Ref : # XXXX NA, Promissory Note, Document # : XXXX, see, Attachment, XXXX on XX/XX/XXXX to my XXXX  Trust Account without my Consent. Which Act violated the Uniform Commercial Code ( UCC ) Patent Ambiguity for Amount in excess of {$490.00} requiring the signing of Agreement. Which Act also concludes inherent culpability to pay by Quasi Obligation, the alighted Funds, therein, at-law.

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 2023-04-09
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
PNC CONTINUES TO IGNORE THE FACT THAT THEY HAVE DONE WRONG IN MULTIPLE WAYS TO HELP ME SOLVE AND MAINTAIN MY ACCT.AND IGNORE ME AS WELL THE PEOPLE OF PNC HAVE WENT AS FAR AS TO CUT ME OFF OR TELL ME WHAT I WANT TO HEAR 100 % ASTO HANDLE MY DISPUTES WITH NO SENSE OF CARE ALSO DOWN TO ABSOLUTELY FROM SOME NOTHING AT ALL WHEN IN THEIR SO CALLED POLICYS TIME IS OF THE ESSENCE ALSO IGNORING ONE OF THEIR SUPPOSEDLY BENEFITS WITH THE ONLINE BANKING WAS WITH THE VIRTUAL WALLET NO FRAUD WHICH I FEEL WAS SHOVED DOWN MY THROAT NO OTHER OPTIONS GIVEN TO LET PEOPLE ROB ME BLIND WHILE THEY ALSO MAKE MONEY OFF MINE .IFEEL THAT XXXX DOLLARS TO BE TAKEN FROM THEM. NOT ME OVER A PERIOD OF TIME THAT IN NO WAY DO THEY REPRESENT ON MY BEHALF THE DEFINITION OF A BANK AS WELL TO A LOT IM SURE OF A LOT OF OTHER CONSUMERS IM SURE AND IN ANY WAY POSSIBLY PRACTICE THEIR MISSION STATEMENT TO ANY DEGREE THAT IS PRINTED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-24
Company: ENCORE CAPITAL GROUP 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: Personal information incorrect

Complaint:
My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX Midland funding, XXXX XXXX. I never charged anything on those accounts. I would like them removed and my birthdate corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: U.S. BANCORP
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:
On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to US Bank. US Bank attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned US Bank and advised them of the fraudulent application and ensured my existing accounts with US Bank were secure. At that time I also confirmed with US Bank that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from XXXX about an address change to my credit report. Upon speaking with XXXX, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at US Bank. XXXX instructed me that since the address was reported to them directly by US Bank, only US Bank could have the fraudulent address removed. I immediately contacted the US Bank 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my US Bank online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called US Bank to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to US Bank. This is extremely unsatisfactory. 

I am currently overseas and having to mail US Bank will take a long time and meanwhile my credit reports will contain, because of US Bank 's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is US Bank making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.

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 2022-08-03
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX credit card opened in XXXX and was purchased by Cavalry SPV I , LLC I was living and working in another country with my husband I got a note back in XXXX From XXXX formerly known as XXXX they find out that was a mistaken Identity and send me a letter. for this account. Then was sold assignee to Cavalry SPV I , LLC they have a lot of inconsistent, I come back to this country in XXXX to take care of my husband he had XXXX XXXX ( we were legally separated ) but hed no one to help him he reasinly pass away. I want to go back to my country. but is being 4 years of fitting than in court they never validate the account until after they filed suit. This is never my account I never find out until XXXX 4 months before the 4 years. They were not supposed to contact me but they had contacted me by mail by phone even though I had fie a letter of desisting. since my Husband passed away I what to go back to my country. 
every time we go to court they are ever there. 
this is 8 years old can you help me. I have no letter no contract Only what they give me I still fix in my credit is not in my credit they find out on my credit report the was another person using my name XXXX. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Personal information incorrect

Complaint:
My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX  XXXXXXXX XXXX, Portfolio Recovery. I never charged anything on those accounts. I would like them removed and my birthdate corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-09
Company: BROKER SOLUTIONS, INC.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
- I got in New American funding to process a loan for my investment property. The conversation was going fine and we signed a loan disclosure and began a loan process with them. We were shopping around for better rates and were very clear from the start. Once we gave them a chance to match another offer. The second time we got a better loan offer, we were clear with our loan officer and let him know to keep things on hold till we were shopping around. Yet he went ahead and scheduled an appraisal report, which we did not pay for.

The next two days we got continual pay requests from XXXX XXXX XXXX. I replied to the email letting them know to put things on hold, and also gave them a call and let them know we were considering other offers. The phone lady said she would put a note in our file. The next morning they went and did the appraisal without our permission or payment. 

Then they emailed us and said we had to pay for the services rendered and the services were a part of the new American disclosures and we had to pay them. 

All of this happened when all parties were aware we were considering new offers. Now, the new lending company, maybe unable to use the appraisal transfer and we will have to pay for the appraisal again. The appraisal fee was XXXX dollars. 

All parties were aware we have never owned a property before, and were unaware of such legally binding agreements. They were also fully aware that we hadnt consented to the appraisal, which we had conveyed to them through several means of communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: The CMI Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was opened inXX/XX/XXXX I moved to this address in XX/XX/XXXX I asked to get the accounts verified but ssn and nothing was done XXXX said that account was verify, but were not tell me how the account was verified with what information

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 2022-08-24
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: DISCOVER BANK
State: SC
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:
I called the following Discover Card services and spoke with supervisors XXXX XXXX XXXX XXXX and XXXX ( XXXX  ) about money coming from my bank account for a Discover Card that I had not used in over 20 years : DISCOVER BANK XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX  XXXX XXXX On XX/XX/XXXX at XXXX XXXX I spoke with Discover Card supervisors, XXXX ( XXXX  ) and XXXX ( XXXX  ) about Discover Card charges that was on my free annual credit card report. I am XXXX XXXX XXXX, and I have not charged any purchases on the Discover Card since XXXX. My daughter checked my credit, today, because money was being taken out my bank account, monthly, and I didn't know how to stop it. I was told by XXXX and XXXX that I was being charged for XXXX XXXX ( {$5.00} ) and XXXX XXXX XXXX ( {$2.00} ) on a credit card that I had not made a purchase on in over 20 years. I never requested protections from Discover Card. Discover Card has been charging me {$40.00} per month for {$8.00} protection plans. I paid off $ XXXX to Discover Card in XXXX for a XXXX  charge, and asked them not to charged anything else on this card. Now, Discover Card is stating I owe {$1400.00} for no purchases I made, but for the protections on the credit card, and Discover Card has been charging my account {$40.00} since XXXX. Why would I put protections on a card that I have not used in 20 years? I am old and I am not educated about these new things, but I am on a fixed income and I want my money back. I have never used Wallet Protection or Identity Protection. I do not know how to use these protections. I just want my money back. If my daughter had not check on my credit, Discover Card would have still been charging me $ XXXX  monthly. How can you charge for protections on a credit card from someone that has not purchased anything on the card for 20 years? The card should have been made inactive after the cardholder had not made any purchases in 12-18 months. I feel like Discover Card took advantage of an elderly person that just didn't understand about the charges, and didn't realize that the payments were for protections for the card. I am too old to give Discover Card {$9000.00} for a card that has not been used for purchases in 20 years. XXXX said that I would be refunded XXXX payments : {$240.00}. Discover Card charged me {$40.00} for 240 months. I am XXXX XXXX XXXX, and I can use that money for medical bills and medicines. I do not need a Discover Card and I do not need the services of Wallet and Identity Protections I do not want.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX I drove to the XXXX XXXX, CA parking lot located near XXXX XXXX XXXX XXXX around XXXX. I left my wallet and phone in my vehicle, then locked my car key in a storage box secured to the top of my vehicle. When I returned to my vehicle approximately 2.5-3 hours later, I found my storage box open where the car keys had been secured. I could not access my vehicle which was locked. I borrowed a phone from a stranger ( XXXX XXXX ) and my first call was to Chase Bank to report that I believed my wallet had been stolen. The Chase representative asked me if I had purchased something from XXXX and XXXX XXXX and I immediately told him no, that my wallet had been stolen, I did not authorize those purchases and that all my 3 Chase cards were stolen as well and possibly being used to make fraudulent purchases. I directed him to immediately cancel all my 3 cards, my Sapphire card, XXXX XXXX, and visa/debit card. 

I soon learned that my cellular phone had also been taken and that 3 of my Chase cards were taken and used in fraudulent purchases. When I was able to get my spare car key, I filed a police report. In the next few I spent several hours on the phone with Chase representatives and explained what had happened and opened claims for the fraud that had occurred on my accounts and I also requested new cards. Immediately all of the charges on my 3 cards were reversed pending the investigation. The two Chase credit card departments found in my favor, however on XX/XX/XXXX Chase reversed the reversals of two charges for my ATM/credit card and denied my claim of fraud ( claim # XXXX ), resulting in two fraudulent charges and they deducted the money straight from my checking account. These two charges were {$4700.00} from XXXX and {$3100.00} from XXXX ( total of {$7900.00} ). 

What I believe happened based on my subsequent conversations with Chase was that the thieves had stolen my phone and received a call from Chase on XX/XX/XXXX while at XXXX and they pretended to be me and authorized the charge. Chase must not have used any kind of verification to make sure it was me. They never followed up to get security footage which would have showed that it was not me. They did no investigation whatsoever. I have contacted chase several times in subsequent months including in XX/XX/XXXX and they told me to fax them additional information and indicated that they would fix the problem ( attached ), however they have strung me along and done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Nelnet, Inc.
State: MN
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  DEPT OF EDUCATION/NELN 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My name is XXXX XXXX and I was contacted by a number ( XXXX ) XXXX on XXXX XXXX regarding an account that I opened up with XXXXXXXX XXXX back in XXXX. The account went into over draft in XXXX, but I was XXXX in XXXX and was released in the middle of XXXX. I told the person on the phone that i was XXXX  and i was trying to get a fax number but she was rude and unprofessional and was arguing with me about what i was saying. They said that I have 2 civil suites being filed against me but I keep telling them I was XXXX  and they keep saying they don't care. She also said that she was gon na XXXX XXXX papers and contact my wife who wasn't even with me at that time nor was on the account. And than she hung up in my face all the associates hung up in my face. I was requesting a cease and desists because I know the statue of limitations ran out. They call me multiple times a day and leave multiple voicemails. I never respond because I don't know who it is. Can you please help me

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 2023-04-08
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was victim of a wire fraud where some fraudsters pretended to be our title company and asked us to wire our downpayment to a fraud account at Citi bank. I wired the amount of {$87000.00} through my XXXX XXXX checking account and noticed on the following day that the transaction was all a fraud. 
I immediately reported to XXXX XXXX the following day and initiated a wire recall with Citi Bank. Citi bank wire fraud department confirmed with the XXXX XXXX XXXX Department that the fraud bank account is frozen. Citi bank requested a filed police report that I provided through XXXX XXXX immediately. After a month, I was told by a Citi bank banker and by my XXXX XXXX banker that the funds were released to the customer of the Citi bank account holder instead of being wired back to me. After a month long trauma, I am now realizing that my savings for buying a home are all gone due to mishandling of the wire recall process by Citi Bank.

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 2022-09-30
Company: EQUIFAX, 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 account # XXXX XXXX insurance collections has violated my rights.The address information is inaccurate and needs to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX has also violated my rights. The late payments for XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. The account open dates are all different and last reporting dates on credit reports also. 
XXXX XXXXXXXX account # XXXX has violated my rights. The late payments XX/XX/XXXX and XX/XX/XXXX are inaccurate and needs to be deleted from my credit report. Last reporting dates are all different on credit reports. 
The following inquiries need to be deleted off my credit report also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses need to be deleted from credit report also XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation