BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I have no problem with the my mortgage, my problem is that Mr. Cooper will not accept my current homeowners policy with XXXX when my policy expires on XX/XX/XXXX   due to a low rating from XXXXXXXX XXXX XXXX. XXXX is in the process of being purchased by the XXXX XXXX XXXX XXXX California and the purchase is expected to be completed by the end of this year. XXXX XXXX XXXX gives them a A+ rating. I have contacted Mr. Cooper several times at XXXX. The last employee, XXXX ( no last name or company I.D . provided ) stated that I have no other choice but to get new insurance, that some loans with XXXX will not have to deal with this problem until next year depending on when their insurance policy is due. I advised him that Mr. Cooper purchased my loan, I did not obtain it from them. When I asked to speak to a supervisor, my request was denied and that this was a Mr. Cooper decision. Surely a company of XXXX employees do not all report to the CEO/ XXXX XXXX XXXX Surely their must be some form of layered management. Do you know how difficult it is to get homeowners insurance in XXXX California?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dealing with this company is horrific. 

I need an urgent removal of my security freeze and the overseas agents refuse to aid me in this process. I have offered multiple ways to verify myself with my PIN and have requested a new PIN but need this freeze urgently lifted! Please phone me immediately to aid in this removal prior to FCC complaints and media contact. 

This is abhorrently unacceptable and I require urgent assistance to ensure I am able to open my new account. Thank you kindly.

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 2021-01-17
Company: Westlake Services, LLC
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: Information is missing that should be on the report

Complaint:
westlake finance have another XXXX XXXX  with different social security i have send in email correct one still havent change

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. 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 non-monetary relief
Consumer complaint received 2021-01-16
Company: Square Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Notice of bankruptcy and probate notice and plea .. 
XXXX hearing notice of involuntary Bankruptcy Accounts administered under the cash app tag $ XXXX has several unlawful deductions and unauthorized attempts and payments that need to be fully restored and return including hereditaments. All transactions should not remove credits or cash from the overall balance. 
Add the total sum of all inquiries and make those credits available for the Beneficiary named on this account. 
Notice of hardship There is a low balance on the account and beneficiary can not survive with a low balance. 
Please return all monies, species, credits that has been transferred to any third party. This account is for the beneficiary of XXXX XXXX XXXX This account is needed to enforce private laws and deploy constitutional assistance around the the united states of America, and private commercial use. 
Notice to agent is notice to principle Selective Service I'd is : XXXX for XXXX XXXX XXXX XXXX, XXXX : and the United States of America XXXX 

Restore all funds to routing number : XXXX. 
account number : XXXX. 
within three days of this notice! Notice of emergency relief for egress, regression, right of movement and locomotion. This for the care for the extreme care for XXXX XXXX XXXX ( TRUST ) ____________ [ X ] ____________ By : .XXXX XXXX, :XXXX : . and the united states of America Executor for :. XXXX XXXX XXXX ( Trust ). XXXX 


_____________ [ x ] _______________

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since the XXXX year, it's only been XXXX  days. This company has called me over XXXX times. I get XXXX calls a day from them. I have told them I do not have the money and they continue to XXXX me every day.

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 2021-01-18
Company: Remitly, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Hi, I opened an Account With Remitly some time ago to send money to poor people in the XXXX. I closed it to use another service. I requested that my account information be deleted for security. Everyone gets hacked and they have my checking account information. 
I went back to remitly and they said I can not transfer money using my checking account because my account is associated with another account! 
I explained all this to them and asked that they delete both accounts and most importantly my bank information. 
Remitly refuses and says I agreed to to it in their agreement. I said That I revoke that authorization and they still refuse to delete my banking account numbers. 
This is a big problem waiting to happen. A hacker is going to hack them and clean out everyone 's bank account. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 my cell phone number with XXXX was ported out without my authorization and the fraudster was able to gain access to my XXXX account and all accounts linked to the XXXX. The fraudster got access to my bank account and credit card accounts. My checking account with XXXX, BOA credit card account and XXXX XXXX credit card were all compromised. My checking account is with XXXX XXXX  and they were able to stop the fraudulent transaction as they did not recognize the transfer the fraudster was processing. Next day I was able to close my old account and open a new account with XXXX. The night of the fraud I also reported the identify theft to XXXX  and the next day set a freeze to my credit for all three credit bureaus. XXXX XXXX was able to cancel my card and reissue me a new XXXX. BOA was aware of the fraud, contacted me and once i verified it was fraud, cancelled and replaced my credit card. They issued a temporary credit to the account while investigating the charges. In less then a month of investigation, BOA decided that it was not fraudulent and charged it back to my credit card. The two charges that occurred were processed in Florida. I am a resident of California and the day the fraud occurred, I was in California and the CC was in my possession the entire time ( I have evidences to support this ). After I realized that the fraud dispute was charged back to my account I called and spoke to a representative who advised me that at that stage they really cant do much as a decision has been determined. No formal communication was sent to me on the results of the investigation before the card was charged back. I received a letter a week later in the mail to confirm that they determined the transactions were not fraudulent ( total of {$1000.00} ). The representative handed me the fax number to which I could submit my dispute and the postal POBox address I could send the information. At this point I have two fraudulent charges on my credit card that I did not authorize nor charge. In addition, when this incident occurred, BOA reduced my credit limit to the balance on the account as such, now I have charges over my credit card limit which will incur additional fee. BOA has not been forthcoming on how they determined this not to be fraud and has not reached out to me to assist me with this dispute. I have tried to resolve this with them but have not been successful. I do not believe I should be held responsible for a charge that I did not authorize.

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 2023-11-22
Company: CCF Intermediate Holdings LLC
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX I was contacted at XXXX XXXX from a number which I did not recognize ( XXXX ) When I answered this call I was told is was XXXX XXXX and that this was an attempt to collect a debt. Per this conversation I was threatened that if I did not comply and pay then my wages would be garnished. This account was from a payday loan dating back in 2016. I had no recollection of this debt however I have worked extremely hard on my credit and keeping it in good standing. I explained that I've checked my report frequently within the last 2 years since I've been working on purchasing a home and I've never had an account go to collections so I wasn't sure where they were receiving their information. I paid them {$890.00} and soon after I got off the phone and did some research I felt that maybe I was scammed because I didn't receive any information in regards to this matter ( act number, date etc ) I know my rights as a consumer and felt they were violated to the worse degree, however I fell for the scare tactics and paid whatever they were asking for to avoid my credit taking a hit. As a consumer I have the right to privacy never have I disclosed my phone number with a third party collection company and I have never given them the right to contact me. It is also a violation to threaten a consumer with obscure language in which a threat to garnish me wold be just that. These rights are supplied by FCRA and are meant to protect consumers such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Attached to this complaint is a letter from the United States District Court District of Minnesota Bankruptcy Court for proof that I never filed for Chapter XXXX Bankruptcy and the public record of Bankruptcy Discharged Chapter XXXX, XX/XX/2020 thats currently listed on my XXXX and Experian credit report, is inaccurate, incorrect, and not my public record. The bankruptcy court do not report bankruptcy cases to XXXX XXXX, Experian, XXXX or XXXX XXXX. The public record is not my public record.

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 2021-01-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I am shopping for refinance for one of my houses on XX/XX/2021. I have 2 mortgage with Wells Fargo Bank so I thought to check if refinance would save me money on monthly payments. 
I was talking to Mr XXXX XXXX ( NMLSR ID XXXX ). He pulled a hard credit check without my consent and without me providing my SSN on phone or the application. I assume Wells Fargo would have my SSN but they should legally ask for me for my consent since I wasn't committed for loan I just wanted to enquire about the rates. 

Initially it appeared to me that they are doing soft credit check without SSN but they went ahead and did a hard enquiry what mysterious to me is that at no point I provided my SSN This is significant breach of common assumed protocol and its predatory lending to lure people to get business and this should be investigated. 

When I countered the agent he said he has no idea how it would happen and blamed me for it for my residential status. Since all the calls are recorded this conversation should be investigated. Big banks are too powerful and they think they can get away with whatever they want. The information of the agent I was talking to is below. 



-- -- -- cut -- -- -- -- -- XXXX XXXX XXXX XXXX Consultant NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Ext : XXXX Fax ( XXXX ) XXXX XXXX -- -- -- end -- -- --

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 2021-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
CFPB is helping me, the company in error against me takes 2 weeks to respond then CFPB allows 60 days ; in this economic crisis with an unjust judgment other members of my family are feeling the stress muchless this false account against me. Time to end this is my request.

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 2021-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Ive received a paycheck from a company and deposited it into my account by using the online banking system, after a day the bank blocked my account because the check was not a good paycheck. I didnt know if it was a bad paycheck. That, fraudulent action should not be under my responsibility because i still have the check and the name of the company that sent it still on the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2021-01-18
Company: Atlanticus Services Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Pursuant to 1692b ( 5 ) and 1692f ( 8 ) Aspire sent me a statement with their symbol on the envelope and inside the content. The content in the letter did not state that it was an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a home equity line of credit with US Bank for several years. It was free cause I had a checking account. I only had the checking account to get a home mortgage with them. I have a high credit score and no credit issues. I did a refi back in like XXXX with a new bank. When I did that I was told I needed to close the US Bank home equity line of credit. I thought we did that through the close process on my new mortgage - which paid off the mortgage I had had with US Bank. 
I received notice during the holidays on XX/XX/XXXX in a letter that I suddenly had to pay the home equity line of credit annual. I tried to close the account on XXXX - before the due date on XX/XX/XXXX for payment. And the bank now tells me I still have to pay the amount and that the draw date was XX/XX/XXXX. The draw date was before they sent me this statement so I could not have known this line was still open. I didn't receive a prior notification that this line of credit was still open after my close of the new mortgage. The customer service rep said a banker could waive at the bank, but at my work campus the branch desk for US Bank is closed cause my work site is closed cause of 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 monetary relief
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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