BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-27
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
We have a reverse mortgage that was sold to XXXX  XXXX in XXXX, XXXX last year. On XX/XX/XXXX our home was severely damaged by a tree that fell during a high wind storm. We contacted XXXX and received a packet of forms which we had to complete and submit including instructions that all home repair checks from our insurance company would come made out to us and XXXX. We were instructed to sign any checks and send them to XXXX. The amount of the first insurance dispersal was {$43000.00} which represented the actual cash value from the XXXX insurance estimate. We have replacement cost on our homeowners and XXXX procedure is to reimburse the balance after the work is complete. XXXX told us they would take 5-10 business days to process the paperwork and would then send us a check for only {$40000.00}. We were told that XXXX uses regular mail to send the check unless we provided a paid overnight USPS envelop. XXXX received the forms onXX/XX/XXXX and check on XX/XX/XXXX. I called XXXX Draft Loss Customer Service on XX/XX/XXXX and was told that our paperwork had not been processed. I called again on XX/XX/XXXX and the customer representative told me he would review the paperwork at that time, which he did and told me we would receive a check in 3-5 business days as he was approving our paperwork but it takes XXXX that long to disperse the check. I called again today XX/XX/XXXX and was told that no check was dispersed because I needed to provide additional paperwork. This was the first that we were told of any additional paperwork. I explained to them that they are holding only the first insurance dispersal, that they had all of information since XX/XX/XXXX and that our General Contractor has been working 2 months with no money. I have provided the additional information today and was told again that it will take 3-5 business days plus the extra 2 days that it takes for USPS to send mail to XXXX County MD from XXXX, XXXX. XXXX should not be allowed to hold this money, should provide EFT money transferal, and owes me interest on the money they have held. It is outrageous with computers that it takes XXXX this long to process and disperse a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CBE GROUP XXXX has placed a claim on my credit report for Charter Communications XXXX This item has already been dismissed by another collection for being inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 at approximately XXXX CDT, an unauthorized transfer occurred on my CashApp account. An unauthorized person gained access to my account, via my smartphone as I went to the restroom. This person transferred monies into their account, without my approval or knowledge in the amount of {$140.00} USD. The company has refused to refund, cancel or reverse the transaction, knowing it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I bank with Wells Fargo. I pay the minimum every month with auto pay. This month the auto pay switched to pay the fullbalance of card without my authorization on XXXX XXXX dollars was deducted from my account making my account over draft with many fees associated. Over {$3400.00} was taken from my checking and another XXXX taken from my savings. 
I now have a negative balance of {$870.00}. i am unable to pay other cards and gym memberships and my rent. I contacted Wells Fargo credit card on Sunday XX/XX/XXXX and was told the funds would be placed back in my checking account by Wednesday XX/XX/XXXX. ON XX/XX/XXXX i check and no funds were place back in checking and savings account. I called again on XX/XX/XXXX and was given the run around and they said they did not take the funds, so i raised a dispute because no one could clearly tell me where the the funds from my checking and saving went.

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 2023-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, in XX/XX/XXXX  we filed the following complaint with the CFPB. 


" While shredding some old files, I found a Capital One brokerage account that my mother and I jointly held. We are not sure if the account was liquidated or transferred to another brokerage firm ( as Capital One no longer services brokerage accounts ). I am looking for more information on this account ( its status- was it transferred, or previously a {$0.00} balance at the time Capital One ceased servicing it )? '' We would like the case reopened. We're attaching a file from Capital One with the account details to help Capital One locate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I notified XXXX XXXX of fraudulent charges charges to my card by XXXX rental car for vehicle I was renting at the time. At first they removed charges than somewhere the added them back without my knowledge. I explained that XXXX  gave me permission to continue the rental than turned around and said they were going to arrest me if I didn't return car which I did. However they charged my card over 800 dollars and XXXX for fraudulent arrest warrant that I was never charged with. However at this point they charged off card was paid and sold to another company to collect debt I never owe, in an amount I never owed. Midland Bank. XXXX  website wont allow me to request Debt Validation letter from Midland Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the late payment on this XXXX XXXXXXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-06-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
They reported that I was 60 days late to pay. I was never late for my lease. They offered a settlement for the remainder of the lease over mileage and I paid it. If I knew that it would affect my credit score I would have paid the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: TN
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 have sent the credit reporting agencies and collection agencies many letters in XXXX and XXXX of 2023 to give me written notice regarding my debit. The credit report agency sent me a free copy of my credit report and thats all and the collection agencies never responded. Both agencies are in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debit and all refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as a American Citizen.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They repeatedly call me at work. I've asked them to stop because we are not allowed to receive those type of calls at work. They continue to call almost daily.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Several months ago I noticed errors found on my credit report due to incorrect reporting and compliance. I reached out to Equifax and XXXX numerous of times but it seems that nobody was able to help me. When I notified it Equifax and XXXX, they refused to report accurate information and information that is in compliance with the federal law. 

In accordance with the Fair Credit Reporting Act Account # 1 XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Account # 2 XXXX XXXX XXXX XXXX  has violated my rights. XXXX5 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 3 XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 4 XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 5 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
State: NE
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 was never contacted or communicated about this debt account being charged off. When I disputed this account with XXXX the creditor returned and updated information therefore admitting error on their original credit reporting. The account was never removed as per my request in the original dispute. The collection agency never reached out to contact me about the debt. When I called to find out how to solve this debt, it had been sent to an attorney. Calling the office took more than XXXX calls to reach a person and so I emailed them stating my issues with the debt and never received a reply back for over XXXX days.

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 2023-09-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : All my Chase Credit Card accountsRequest for XXXX XXXX and all data filed with every credit reporting agency. 
I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is My E-mail is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -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 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 explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 XXXX 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 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 2019-10-03
Company: EQUIFAX, INC.
State: IN
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 trying to resolve the matters with multiple inquiries and accounts that hit my account a couple of months ago. Equifax is slowly dragging their feet with three accounts : 1 ). XXXX XXXX ( {$1500.00} ) Charge Account, I reached out to this company on  multiple occasions, they did eventually close the account in XXXX, but not before having multiple unpleasant conversations with them, given the run around and to top it off, they added of late payments to my credit file. I am in Indiana, They are located in XXXX, Texas, with 1.2 stars and a D+ grade with the XXXX ; I have never heard of this company. 

2 ). XXXX XXXX {$500.00}. I have also disputed this item as well. They are reporting this account as late on my credit report. 

3.XXXX XXXX {$500.00}. This account keeps going from negative to positive. I have no clue as to what is going on. I will not be bullied into keeping and paying for theses two measley accounts that I never applied for. 

I am not sure if I am my name has merged with someone else 's. I did see on my credit file that my name was misspelled as XXXX XXXX. My name is spelled XXXX. 

Other than this issue. I am just waiting for XXXX  to remove inquiries and Equifax to fix the issue with these accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had the Bank of American XXXX XXXX XXXX  MasterCard in XX/XX/2018, and cancelled it the same year to avoid the {$59.00} annual fee. 
On XXXX, I applied for the card again and was denied, even though I have an excellent credit score. 
On XXXX, I applied again for the card and was denied a second time due to multiple applications. 
On XXXX, I applied again and was denied for a third time due to too many recently opened accounts ( which is not true, i only have one credit card ) and limited deposit/investments with Bank of America. 
I went into the bank branch near me and complained to XXXX XXXX, the vice president/financial center manager ( XXXX ). 
I feel that they will NOT give me the card ONLY because I had it before and do not want me to earn the bonus XXXX XXXX bonus points i would earn with the new card, nor more importantly effectively use my existing 60,000  + XXXX XXXX points, as one needs an active open BOA XXXX credit card account to be able to get the full value from ones XXXX XXXX Account points. Without the card the XXXX XXXX   points, are only worth 25 % of their full value. I believe that they have violated my rights under the Frderal Equal Credit Opportunity Act.

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