BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I was scammed by someone pretending to be my bank ( XXXX XXXX ) into sending a wire transfer of {$18000.00} when i thought i was filing a claim to stop a fraudulent wire transfer. 

Within XXXX hours I realized the scam/fraud and had worked with my bank to reclaim the wire transfer and change over all of my compromised accounts/ cards. My bank is claiming that they submitted to reclaim the wire as soon as they recognized it as fraud on XX/XX/XXXX but have not received any kind of response from the other bank ( Citizens bank ). They made the second attempt today, XX/XX/XXXX, to reclaim the wire and have not heard back. They are saying that they have to hear back and that Citizens will only allow the reclaim to go through if there is money in the account. How can it be allowed for Citizens to just sit on this and not do anything? 

Its been 5 days since the initial wire. The money is probably gone since these people seem to know what they are doing. This delay in action or lack of process around stopping/ holding the wire transfer as soon as unauthorized transfer is noted is going to allow both XXXX XXXX and Citizens bank to get out of this with no positive resolution for the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reference : LANDLORD/PROPERTY MANAGER AGREEMENT Hello I wanted to see if something can be done about how XXXX confirm documents. I recently checked my credit report and saw a collection. I called the collection company and it was a XXXX XXXX  bill. I contacted XXXX Fraud department since I didn't create the debt. I was told by them that there was an agreement in place that the building owner would take over the electric bill if the tenant does not pay it. I told them I never signed any agreement with them to accept responsibility for electricity in my building. The alternative would be the electricity being disconnected until a new tenant rents the apartment. 

The problem is : XXXX Someone submitted documents in my name for this agreement without my consent or knowledge. 
* XXXX did not ask the person ( s ) to send any verified signature document such as copy of an I.D . or notary signature. 
* This bill was in the possession of XXXX since XXXX and in XXXX they default it and hire a collection company. 
* This collection can cause my creditors to close accounts and lower my credit limit which will have a negative outcome on my living expenses * This Agreement was still active beyond my control of the building. It was used in XXXX andXX/XX/XXXX Hopefully something can be done as this loophole should be closed to prevent XXXX from losing money and/or consumers being unlawfully billed for someone else bad dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TN
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am sending my complaint today in order you to inform about the wrongdoing of the 3 credit bureaus. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score. Be sure to present facts that this are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. These fraudulent items I am mentioning should be remove immediately : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXX Balance : {$6200.00} ; 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 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 2020-08-14
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have sent complaints to these debt collectors on XX/XX/2020 and they haven't respond or marked it as disputed, so they have violated the law and i will turn this over to my attorney.I requesting that these accounts be deleted from my report.i have attach copies of the letters below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Comerica
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called the customer service phone number to ask why I couldn't use my card that had money on it for certain things. For example I can buy clothes and games online with my card but I couldn't order uber eats online. They asked me to verify my information. I was able to verify the following ; -name -DOB -FULL ADDRESS -Sent Picture of current XXXX state ID I however was not able to verify the phone number and/or email on the account. As I've had several emails and phone numbers since.. and this is maybe years later since created. After I gave the incorrect email they froze my account. My only income is XXXX and the funds go directly to thay account. I suffer from XXXX and XXXX XXXX XXXX. This took such a toll on my mental and if it wasn't for my sons mother I wouldn't have had any clue what to do. From the XXXX hour wait time on the phone to speaking to countless people who refuse to help me I was getting no where. My sons mother advice to me was go to the office where I was also denied help. I was told I can change my direct deposit information but I would have to wait another month for the check. But they couldn't help with the current funds on the account.. only the pending and future funds. They sent me a check and I set my ssi payments up with another bank.. however the current amount on the card is still there and I still do not have access to it. I have not been able to use this account since mid XXXX and though I was able to handle this pending and future deposits. The amount that's been on there is being held XXXX. They refuse to close the account and send a check because they refuse to unlock the account. I'm lost sleep and put in financial hardship over this. I have a XXXX year old. I have bills. My family depends on me and they should be able to when I'm doing all I can. Direct express refuses to help me no matter the times I call nor the emails I send. The account is still open and money still there. I can not continue to hope they do the right thing. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Received a copy of our credit report and discovered that on our credit reports our morgage was included in our bankrupcy. However this is not the case and we have been making on time payments for the last 6 years. 

Credit report indicates that we do not owe any balance and our payments are XXXX however they still accept payment each month. This inaccuracy on our credit report has added even further strain to our credit and financial situation, increasing our interest rates and removing us from qualifications from certain loans, credit cards and other tools to begin rebuilding our credit

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 2023-08-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have ongoing complaints with VENMO, I have been trying for three years now to collect funds that they said would only take 180 days to get a resolution for. The first complaint I submitted here they responded to, someone called and said a check will arrive within 2-4 weeks. After 4 weeks, I was told another 4 weeks. Since XX/XX/XXXX, it has now been 3 months and I have yet to receive my check and also I have deducted the amount from the balance for the check, but no no one is responding to the requests, and phone reps keep saying " Someone '' will return my call but its been over 3 years and 6 months and I have not received a dime. One the last complaint to you all, the said company responded to say " its not that company, wrong company ''. Venmo which is owned by Paypal has kept my funds after being told they are sending out a check. For whatever reason they didn't just transfer my funds to my bank that has been there for years. A small social security check was deposited in the amount of {$670.00} in to my account. After sending the birth certificates, social security cards, ID, and bank statements, giving them all my info they still keep my funds for what they said was 180 days, which has now been almost 4 years. They sent a statement showing the remainder of my {$6700.00} check being sent to me but there has been nothing in my USPS informed delivery. Now no one is answering my online requests no giving me a resolution on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - new home insurance policy took effect with XXXX XXXX XX/XX/XXXX - i called PNC spoke with XXXX - notified them of the new carrier and to NOT pay XXXX This policy was not executed as it was only a quote we received from them. 
XXXX entered these notes and indicated that they had not received anything from XXXX. 
XX/XX/XXXX - received an escrow shortage statement with a home insurance payment in the amount that matched the XXXX quote - no indication of payment to XXXX. 
XX/XX/XXXX - spoke with XXXX XXXX at PNC - she indicated a payment was made to XXXX on XX/XX/XXXX and a payment was made to XXXX on XX/XX/XXXX. PNC paid 2 annual premiums in a span of 5 days even though I had already informed them of who to pay and who NOT to pay. I was given no explanation as to why my notification was not followed. Now my escrow account is over drawn and PNC wants additional funds. It is over drawn because they paid 2 different companies full annual premiums. I now apparently have to follow up with XXXX to get the incorrect payment back from them and then figure out how to get MY money back to my escrow account. 
PNC has totally failed in managing my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am filing a complaint because the Money source has failed to provided the correct information. They are stating to the lender I have been late 13 times in the last 12 months, then another rep states I have been late 2 times and then another rep say 10 times. XXXX has tried to gather information in order to pay off the money source and close my loan. the money source has done this to previous costumers in the past as you can view these complaints at the XXXX. I have filed with them as well. I need further help. 

After sending the email below, XXXX XXXX from The Money source called me. There are so many conflicting documents and information being thrown around and that is not fair to our borrower. The one thing every agent ( we worked with 4 ) from the money source can agree on is that there have been 0 late  payments in the last 12 months. Going back further, Keep your home CA was making those payments on XXXX behalf. That is why we are paying off keep your home CA with this refinance transaction. 

The Money Source does not do verbal verification with XXXX and us, however, we got them to give us the information from 2 different agent and both had different information the rules and they accepted to do 2 previously. Yesterday, XXXX, myself and the borrower were on the line for over 2 hours trying to get the dates of the 4 late payments added to the last supplement. However, no one would give us that information. They said theyve given all they can and they can no longer accept any phone calls. 



Ive received the following attached documents all within the last week. As you can see, they all have very different information. 

The last 2 attachments are from verbal verifications we did on the phone with you ( The Money Source ), XXXX and the borrower. That is what we prefer. However, if you are unable to do a verbal again - that is fine. We can accept something showing The Money Sources name on the top. 

I am needing the following information : Has XXXX XXXX been had any late payments in the last 12 months? XX/XX/XXXX-XX/XX/XXXX. If so, what dates did those late payments occur? 
Has XXXX XXXX been had any 30+ day late payments in the last 24 months? XX/XX/XXXX-XX/XX/XXXX. If so, what dates did those late payments occur? 
Next payment date for his loan Last payment date for this loan Was this loan included in his bankruptcy? 
What is the outstanding balance? 

These were email correpospedece with them. 

They have refused to provide the correct information and the loan is unable to close because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: FL
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Sterling Infosystems Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
During the hiring process with XXXX XXXX, they ran a third party background check via Sterling XXXX XXXX. They provided XXXX with Information that is nine years old and my job offer was revoked based on the old information. The report was requested on XX/XX/2019, my report was complete and given to XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originated a new 1st mortgage with XXXX XXXX XXXX on XX/XX/XXXX-On my  Final CD there was in section H a principal curtailment of {$350.00}. When my loan was sold to Lakeview and transferred there that principal curtailment was never processed and the loan balance reduced. Kept waiting for it to show on XXXX XXXX site but even a year later it never did. 
I contacted XXXX early XX/XX/XXXX and of course they never forwarded the check-they then did so and it was sent to Lakeview/XXXX  XXXX XXXX XXXX on XX/XX/XXXX. Back of check shows XXXX deposit on XX/XX/XXXX-what I later learned was it was applied to a different loan. 
I have been fighting this for almost 2 years now - have copies of all communications and what I think happened was the loan they might have applied it to was payed off so they have no recourse to get the funds back. 
This has been an ongoing issue back and forth with them for way too long-not only do they immediately need to apply those funds to the correct account ( mine ) but I think they owe me interest on this one as well-A FINE against them might even be in order as well. 
At this point I don't even get calls or contacts back and of course their servicing dept. is not showing anything in their system regarding this dispute-it has essentially been swept under the rug and they are probably hoping I will forget about it. I won't and they need a severe smacking from the Consumer Protections Finance Bureau.

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 2020-08-14
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had a XXXX  and my car got wrecked i called and told credit acceptance and the person i was on the phone with agreed to not put a reposession on my credit if i returned the car i returned the car not only is it on there but i asked if i paid it off with the 60 % they was offering can it be deleted off my account they keep saying no but they already gave me false information

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I notified the bureau 's that there has been some accounts and inquiries reporting on my credit report that is the result of identity theft. To protect my credit from any further damage I sent a request to remove some addresses that I don't recognize and I have never resided. As of today XX/XX/2021 these fraudulent addresses remain on my credit report. Please see attached addresses to be removed.

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 2019-05-03
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hi, I created an account with Paypal.com almost 15 years ago ( in XXXX ). Since my name can reveal my race ( I'm XXXX ), I used a different name than my real name to hide my race. This was because I thought in general you don't have to reveal your race to anybody. Paypal.com let me create my account which is linked to my bank account and credit card. They let me use it to pay merchants, receive money and withdraw my fund, all under my make-up name. 

This was going fine until XX/XX/XXXX when I sent to my sister US {$5000.00} through the account. Paypal.com then froze my account and has not since let me access my fund of over US {$5500.00}. Now they asked me to provide legal documents to prove my identity ( Paypal.com case id XXXX ). I have complied to their request and provided ( by uploading through their website ) all requested copies of legal documents including my photo driver 's license, utility bill, bank statement, passport, etc., showing my real name, address, bank account information, etc. To this day, they have not let me use my fund from the account. 

I feel like I have been cheated and robbed my money by their system by letting me put my money in the account and then freezing it indefinitely even after I have proved my identity to them. 

Please help me get access to my fund in my Paypal account. Please let me know if you need more information. 

Thank you so much in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: MI
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation