BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a XXXX XXXX, resident of XXXX, Texas. Customer of Discover with Card No end with XXXX. ( Discover Dispute # XXXX ) With great pain, I say that I have been Ponzi scammed. I learned the hard way that due to gaps in XXXX 's policies, scammers have a free run. Let me share my story with you. 

I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month.

After a lot of discussions and assurances, I signed up for his private club through XXXX by paying {$50000.00} ( Scammer asked me to make payment only through XXXX which I paid through my discover bank assuming it to be safe ). 

I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made +74,900 %. 

I felt all his words to be fishy and reached out to XXXX for help as he wasn't ready to refund the money that I paid. XXXX suggested to request credit card for a chargeback. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. It is not only me, many others have reported this scam but discovel has choose not to do anything and this XXXX XXXX based scammers who are not even registered with SEC are looting many innocent people.

I urge your office to intervene and ask Discover to rescind the transaction as per consumer protection laws. As per suggestion from SEC, FTC, Police, I have registered a complaint with all authorities. 
Note : A police case has been filed against the scammer with XXXX Police with Case XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX Regards, XXXX XXXX Note : A police case has been filed against the scammer with XXXX Police with XXXX XXXX, Reported to FTC with report no. XXXX, SEC Submission Number XXXX & CFPB Complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I received a ppp loan that I put in my personal account instead of a business account.. I made a few transactions for business zelle XXXX n paid with my credit card that I used for business n gas back. In 3 days they froze my account stating I don't have a business which I do a dba for 10 years n I sent them proof of it etc n they still say they can't release it due to they say they can't find my dba in the system n because I used my name instead of the dba which they should still be able to find it because I have no ein number it's under my social.. I sent them receipts because I didn't file that year but had a schedule c for XXXX I submitted to sba.. My bank capital one bank is the problem I been with them like 8 years I can't believe this.. I sent them all my receipts of that year with my business of which I built a house I was the general contractor.. The amount I received was XXXX n they also said they didn't receive any deposits in my account which I never use the bank I receive cash all the time.. So they got me oweing them XXXX n sending it back they said 5 months ago here we are in XXXX since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: FL
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
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 have written each company and all three credit bureaus to inform them that I have no regulation as to how any of these accounts are connected to me. I asked for proof of validation back in XXXX and have yet to get a response. I done get why or how any of this is actually legal. I have been victimized and I feel I have been mistreated and next I will seek legal assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been dealing with Equifax and XXXX regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. XXXX told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This complaint is being written due to the multiple violations I have experienced with the credit bureaus! There has been fraudulent activity on my reports that they neglect to remove! I have called in and sent letters and have not gotten any responses! The information on my credit report is not 100 % accurate. Multiple clear violations which are purposely being ignored totally violating all the rights. This is not okay in any way and my research lead me here. I am hoping with this complaint I can actually finally makes some progress in removing this fraudulent activity off of my credit report! 

I appreciate all your help in this matter!

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 2022-12-13
Company: CAVALRY INVESTMENTS, LLC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Lawyer for the debt collector never served the defendant. Moreover, they only sent a letter of judgement from the court without the judges signature. Upon looking up the case in the state database, there has not even been a scheduled hearing let alone a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: SANTANDER HOLDINGS USA, INC.
State: GA
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:
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX Santander Consumer USA Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I asked you to disclose your method of verification on the alleged XXXX you are reporting. You then replied to me with the enclosed Notfication claiming that the XXXX was verified by the XXXX Courts. 

Appalled by that information, I went directly to XXXX Courts and in response to my inquiry they claim to have never verified this item with you and provided me the enclosed letter. This would mean this XXXX is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated or can not be verified. 

I have enclosed the Court letter for your inspection. Please DELETE this item from my credit reports as it is NOT verified! 

The XXXX and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the XXXX is DELETED.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I sent in ftc report, incarceration report to transunion. They then said they verified a debt that they couldnt have verified because i did not open this account. i then asked them how did they verify and they ignored my request. i gave them 30 days to respond and they ignored the ftc laws that says that they have to provide me with the method of verification which is a live human. They also are violating metro 2 Compliance as the reporting is not the same across the board, as experian and XXXX have removed the following account : Account name : Account number : Account Amount ; i have attached my experian report when that account was reporting and i also attached my experian report once it was removed. 

I have also attached my FTC Report I have also attached my incarceration report that shows i was incarcerated when this account was opened.

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 2022-12-13
Company: MOHELA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the XXXX limited waiver in XXXX of XXXX. Since then the process has been excruciating. Customer service through one company located my qualifying payments from XXXX and XXXX forward but then nothing else was done. I spent at least XXXX hours on hold, to get no answers, or misleading information. No one ever tried to or did locate my payments made between XXXX, so I found and submitted them. 

My loans were transferred to Mohela in XXXX and I sent XXXX separate messages asking for clarification about these missing payments and did not get any response until XXXX. The response was generic and it told me to call a phone number. I was placed on hold for approximately an hour to locate a supervisor from the Customer Advocacy Team. She could not and did not help, except to tell me that 6 years of my loans were not eligible or ineligible, but couldn't even be counted because I was allegedly a XXXX XXXX XXXX. I was not a full time or even half-time student during those years and was informed to submit a letter stating this, which I have now done on XXXX different websites. 

No one can find my loans from XXXX STILL and the Customer Advocate told me that since I just submitted them ( which was not my responsibility ) it will likely be another 90 days on those and there is nothing she can do. 

Because it has been a year since I applied, I then had to re-submit proof of my current employment, which I have done and again, no-one has reviewed it. 

I have spent about XXXX hours of my life trying to engage with this system. I have been on hold for a total of at least XXXX hours with no real help. I am a highly educated and motivated individual who happens to have some time to do this. If I was a single working mom it is likely I would have given up by now. As I told the woman who was supposedly a customer advocate, this is a system intentionally designed for failure. They need and want people to give up. 

The government should create a real advocacy system for borrowers who may still be working XXXX jobs to make ends meet and do not have the time for this. The lack of communication is astonishing. The waste of time and taxpayer money just on my case is astounding. Why doesn't someone just take my file and work with it until it is done? Instead it is shoved from one system to another with more and more people throwing their hands up in the air and saying " sorry, I can't do anything ''. 

I spent XXXX hours of my life on this yesterday. I feel that nothing will come of it. The system is a sham. Someone should be hired to re-vamp and fix this whole system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit on XX/XX/XXXX. 
I usually get access the next business day. 
This time some of the funds were held. 
While I was making deposit no warning of a hold was indicated. 
When I received my receipt they informed me of the hold. 
I could not get the checks back from the ATM. 
I checked 2 days later with the makers of the checks and they said the money was out of their account. 
I checked with a teller and he said he or the manager could do nothing. 
I called the only number they give and the person said it was the law that they have to hold the funds. 
I was informed before conversation it was being recorded. Recording should be available. 
Here it is 6 days later and my account is charged {$38.00} overdraft and they are still holding {$5700.00}. 
This is the second time they have done this. 
Last time they held funds 10 days and said confidential source said checks would not clear. Again the checks cleared makers account within 48 hours. 
All deposited funds were local banks.

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 2022-12-13
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: Investigation took more than 30 days

Complaint:
I have disputed numerous errors on my credit report and the reporting agencies have failed to follow FCRA and FDCPA guidelines when it comes to verification of alleged debt. 

Numerous have not been factually documented. 

They have not been physically verified as true. 

They are not complete as reported. 

They have not provided sufficient evidence to me that shows known responsibility and ownership ( not one person has sent an original contract with my signature showing I agreed to conduct business or enter into a contract with alleged debtor ) The compliance of reporting is a minimal of standard. I feel that not all items that meet collection standards meet the requisites of reporting. I am asking the credit bureaus to review every last item being reported to meet these standards and to be verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received a replacement Debit card from my bank in an expedited envelope. I thought Bank Of America has fraud detection and they may have acted on it. 

On XX/XX/XXXX I received an alert from Bank Of America - details are given below : XXXX XXXX Your Debit card ending in XXXX  was mailed on XX/XX/XXXX to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Use the UPS  tracking number ( XXXX ) at www.XXXX.com to check the delivery status of your card. 
Your card will arrive in an envelope with a Bank of America logo and a XXXX, Delaware return address within 4-6 business days ( up to 16 for international ). 

This triggered in my mind that somebody has scammed Bank of America to get my Debit card. I called the fraud prevention dept of Bank Of America and learnt further that this person from above address has called the Bank and increased the daily withdrawal limit and further asked the card to come directly to FL ( XXXX XXXX, FL XXXX ). XXXX XXXX # ( XXXX ). 

So I cancelled the card and reapplied for a new one. The Debit card was supposed to come to my address today but I learnt from XXXX  that the sender ( Bank of America ) had diverted again to a different address in FL. This means the same person has called and got thru as me to give a different address to receive my new card. 

I called the Fraud dept oXXXX Bank Of America again and asked them close my Debit card completely. I demanded to increase the security so imposters can't get in without proving their identity via a phone call verification. 

I am concerned that somebody is relentlessly trying to gain access to my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The covid forbearance on my mortgage was scheduled to end XX/XX/XXXX. In XXXX, I told Flagstar Bank, my servicer, that I wanted the covid-19 payment deferral option to keep my mortgage payments, but was interested in what the numbers looked like for a loan modification. They told me they would send the file to underwriting and let me know in a few weeks. On XX/XX/XXXX, they came back to me with a loan modification option that would increase my principal balance by {$26000.00}, and told me that the covid 19 payment deferral option was no longer possible since my forbearance period was over. This additional debt puts an undue hardship on my finances as I attempt to put my life together after the pandemic.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We had a mortgage back from XXXX to XXXX when we tried to do a modification and wells Fargo kept putting us off we had a FHA loan and should have been able to save our home but they foreclosed on us, I feel we where treated very unfair did all the paper work months before to try and solve this issue, I was constantly checking with them on the status and kept having them say it would be looked into never was, Months after we had to move I kept contacting them and only after they knew we had left they told me i was able to have a modification they even went so far as telling me somebody there at wells Fargo drop the ball and it was their fault., They also told me at that time if anybody ever has a FHA loan you atomically can do a modification. We lost our home due to Wells Fargo misleading information and for not being proactive on the modification, I would like for this to be looked into,

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