BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: BBVA FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking and money market with BBVA Compass in XX/XX/2019. I made several transfers from my existing bank in the process of transitioning to this new bank. On XX/XX/2019, BBVA closed my account, sent me a letter indicating that they would send me a cashiers check. This has not been received 2 weeks after freezing/closing my account. 

Or or about XX/XX/2019 I made a further transfer of {$9000.00} from XXXX via an ACH pull from BBVA, having transferred smaller amounts previously. This was intended to satisfy the minimum balance of XXXX for their money market account. Shortly thereafter, my online access was frozen and when I called, I was told first that my funds were being held until they cleared. When this was not resolved, over the weekend, I was told that my account had been closed for reasons that could not be disclosed. Last week I called BBVA and was told that I would not be receiving a check, instead XXXX was requesting the money back. I called XXXX, who confirmed that this was false and that there is no dispute. I want my funds back, which are between XXXX and XXXX. Because I can't access any information about my account, and because of constantly changing stories, I'm at a loss. BBVA also reversed XXXX completed PIaid based ACH transfers, which were against cleared funds, leaving me with charges and negative balances at both institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Noticed a collection on my credit report. I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract. In addition, upon checking, the name on the account is not mine. I beleive I was the victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I started paying to XXXX XXXX XXXX : LVNV FUNDING LLC in XXXX of XXXX, While dealing with them at first they were not reliant when it came to taking the money out at first so I resorted to paying manual and keeping a record of all the mailings I got from them. But as I started paying them I noticed that the remaining amount owed is not reflective of the actually amount that i should owe. In fact, the amount still owed hasn't move at all in the last XXXX months! I mentions this and called them a few times to tell them that their information was inaccurate and they kept saying that their online systems are slow to update! I can understand a few days but just doing basic math should show that in fact, the amount should be closer to XXXX dollars still owed not XXXX! 

Original Balance : {$3500.00} False Current Balance : {$2900.00} Actual amount that should be owed : XXXX Dates of payments : Payment History XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$93.00} XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} pending payments : Pay Date : XXXX Amount : {$110.00} Total : {$110.00} Last time I called was today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021, I consumer XXXX XXXX sent XXXX XXXX a cease and desist letter to desist their illegal activies. In that letter, I also demanded an audit trail of the account. XXXX XXXX have not responded to my letter or sent the requested documents or any documents. XXXX XXXX is impeding in my ability to exercise my rights and to receive remedy pursuant to TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Lamont, Hanley & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont owe this debt. 
Pursuant 15 USCe. ( 2 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to formally dispute and request the removal of several fraudulent inquiries that persist on my credit report, which have been negatively impacting my creditworthiness. I have made numerous attempts to address this issue but have not seen any resolution, and the inaccurate information continues to tarnish my credit history. 
I have never authorized or initiated any of these inquiries, and they are entirely fraudulent. These unauthorized inquiries have the potential to harm my financial stability and damage my credit score, which is why I am making this formal request for their immediate removal from my credit report. 

I kindly request that you conduct a thorough investigation into these inquiries and provide me with written confirmation of the actions taken to rectify this issue. Per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date credit information, and these fraudulent inquiries are a clear violation of this regulation. 

Enclosed with this letter, please find the following documents for your reference : A copy of my government-issued identification to verify my identity. 
Any supporting evidence that these inquiries are indeed fraudulent, such as police reports, affidavits, or other relevant documents. 
A copy of my credit report highlighting the fraudulent inquiries. 
I kindly request that you send me a written response within 30 days of receiving this dispute letter, as mandated by the FCRA. The response should include the results of your investigation and the actions taken to remove the fraudulent inquiries from my credit report. 

Additionally, please ensure that you notify all the creditors associated with these inquiries about the disputed information, and provide them with the relevant documentation, as required by law. I am asking for your immediate assistance to remove the following fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-04-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account randomly became frozen on XX/XX/XXXX under the caption " due to recent activity that triggered some security alerts. '' When I tried contacting customer support to try to figure out what triggered alerts and reactivate my account, I received a message stating I would be contacted via email in 5-7 days. In 6 days ( XX/XX/XXXX ) I was contacted via email and still received no definitive answer for what had happened to my account and why. The email stated that the case requires additional attention from another team and that they will reach out to me. Later that same day XXXX received this message : " I AM SORRY BUT THERE IS NO FURTHER INFORMATION OR DETAIL I CAN PROVIDE ABOUT WHY THE ACCOUNT IS Suspended. Do NOT, under any circumstance, tell the account holder that : they are being investigated ; their account is being investigated ; their account iwas suspended by XXXX XXXX or XXXX ; or any other detail or information about who actioned the account or why the account was actioned. '' Since this all began on the XXXX I still have no received information that can tell me what exactly was flagged or why i can't access my account. I have {$280.00} stuck in that account that I can't transfer because of the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have long ago paid off the this mortgage to XXXX, which One West Bank acquired in XXXX. The mortgage was paid off as of XX/XX/XXXX. I have an official original letter dated XX/XX/XXXX from company on their One West Bank letterhead from One West Bank customer service representative XXXX XXXX acknowledging mortgage paid in full as of that date. The amount acknowledged as paid off in full was approximately {$290000.00}. In XXXX One West was acquired by Cit Group but still operates as One West Bank. 

per title research company XXXX XXXX XXXX the company ( XXXX/OneWest Bank ) did not submit paperwork filing as required with the XXXX  XXXX  Dept of Finance City Register to provide notification record of the fact that the loan was paid in full. 

Now property in question is in escrow for me selling but is held up and the sale in jeopardy because this confirmation of mortgage payoff was not submitted to XXXX  XXXX Department of Finance City Register by the company. 

My property sale is jeopardized due to this matter. I have reached out to the company any every way I can think of to get them to resolve this matter. To date the matter has not been resolved and I have been unable to contact a person or department to deal with and fix this problem I have called four calls to customer service number ; XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) where I spoke with representative XXXX and Manager XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX where I spoke with XXXX. I sent an email to XXXX on XX/XX/XXXX, ticket number XXXX. I even went in person to the company 's XXXX CA head office on XX/XX/XXXX where I was abruptly dismissed by the receptionist saying, " this has nothing to do with OneWest Bank. '' No action has been offered or taken by the company to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear EQUIFAX, I acknowledge the receipt of your request. However, I must emphasize that it is not within my purview to disclose personal information openly, particularly given my unfortunate history as a fraud victim since 2000. As a result, I have taken measures such as periodic changes to my identification and hair color every six months, along with paying for an identity tracking service to monitor applications and contracts. Consequently, I am unable to provide you with the information you have requested. 

Per my rights as a consumer, I kindly request that you contact the relevant dispute departments to procure two specific forms : the application I signed with my attached ID and the contract I signed with my linked ID. This approach will enable me to validate the information I DO NOT recognize. Please be advised that this request is lawful and designed so I can protect my consumer rights. 

Regarding the address, I am not prepared to provide a lease, as it is irrelevant to the matter. Your responsibility is to report information that I can validate. I kindly request that you provide me with the application or contracts that I signed, which links me to these addresses. 

Furthermore, after thoroughly examining the numerous data breaches that Equifax has experienced, I am apprehensive about sharing my personal information with Equifax, LLC. It is crucial to remember that I am the consumer and have the right to request the necessary files to validate negative or erroneous items on my report. As an additional point of reference, I mailed this letter and an enclosed letter from XXXX XXXX concerning a recent data breach notice. 


XXXX XXXX XXXX Without XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I enrolled in platinum card upgrade offer on XX/XX/2020 for my Amex gold card. The offer states that if I spend more than {$5000.00} within 3 months ( 92 days ), I will get XXXX points. 

I have fulfilled this spending requirement on time, I've also contacted Amex several times, and the representatives confirmed that I've met the offer requirement before the spending deadline. But I still haven't received the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: BAM Management US Holdings Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I initiated a deposit into my binance.us exchange account for {$1000.00}. It was unable to deposit successfully and it was processed as a chargeback. I received an email stating " Please deposit XXXX USD within 7 days to bring yourBinance.USaccount into good standing '' & " Failure to settle the outstanding balance may result in the liquidation of your crypto holdings as necessary to cover your outstanding balance ''. When I attempted to deposit into the account an error message appeared and the deposit failed. I have over {$4000.00} in my account that is locked/restricted. I have sent a follow up email and no one has reached back out to me. It has been over 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2019-07-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently switched direct deposit accounts to my Chase Bank checking account for my paycheck and its set to be processed for the next check. However I had to deposit a paper payroll check in the account before then, for less than {$150.00} and usually the funds are available in a day or two at most. This time, Chase put an 11 calendar day ( 8 business day ) hold on the deposit and provided no reason for this. I sent Chase a secure online message on XX/XX/XXXX, asking for clarification, but they ignored this message entirely. At XXXX XXXX on XX/XX/XXXX I called them as the long holiday weekend was approaching with no payroll funds. I was bounced around on the phone until I finally spoke to their fraud detection department whose rep could provide no information about the reasons for this delay. I then asked to speak to a more senior level rep and after a long hold spoke to a XXXX person who after looking into the account informed me that Chase considers checks and deposits issued by my employer including payroll checks and deposits to be high risk. She was unable to define this or provide any further information about the ( a ) nature of the risk and ( b ) implications for future checks and direct deposits. When I asked - she just hung up. 

I need to pass this information on to my employers finance team, but Chase ( as XXXX the Fraud team supervisor indicated when she hung up ) appears to be unwilling to provide any information about the reasons these funds are considered high risk by Chase Bank and what delays I can expect if I agree to allow direct deposits to be sent to my Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I normally pay my monthly mortgage to Nationstar online through an email link. This month the link did not work. I XXXX the web address. The website required that I submit my zip code and full social security number. I did not submit the full social security number because I was concerned about identity theft, and called the company to question as to whether they had been hacked. They had not. It is their policy because they have a new website to verify the full social security. I have seen companies verify only the last XXXX not the full social security and explained that to them. They have a total disregard for their customer security, asking for a full social security number online. I will not provide that and so now I am unable to use their online payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXX did not read my previous complaint correctly AT ALL. XXXX XXXX declared me dead and then reopened my account months later. They added fees past due payments ( which they wouldnt let me pay because they said I was dead ). Then when I refused to pay interest and late fees and the past due of {$600.00} ( only past due because they wouldnt let me pay because they had it marked deceased ). I REPEAT THEY REOPENED THE ACCOUNT AFTER WITH NO APOLOGY OR EXPLANATION AND REFUSED TO REMOVE LATE FEES AND ACCEPT A REGULAR MONTHLY PAYMENT AFTER THEY HAD MY CREDIT FROZEN. SO NOW THEY KEEP CHARGING IT OFF!!! I offered to pay what was due before they closed and reopened my 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 2020-03-07
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The billing address is incorrect on the billing statement I never stay at the address shown on the bill the account is not mines. I never received notice of any bill due for any service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: WV
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
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 have emailed XXXX XXXX back in XX/XX/XXXX a written request Via email to fix a False reporting. 
My loan XXXX was paid off in XX/XX/XXXX This company reported me late on my mortgage payment of XX/XX/XXXX In XXXX of XXXX I have made a written request via email as instructed by the customer service I called at XXXX. I have received acknowledgment via email that they are working on it. 
XX/XX/XXXX, they acknowledged the mistake. 
It is XX/XX/XXXX and this has still not been fixed, this false reporting has had a determinatal effect on getting loans! please help

Company response to consumer: Closed with non-monetary relief