BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had my savings account siezed by my bank Suncoast schools credit union at the demand of XXXX XXXX XXXX of XXXX for a XXXX XXXX. All money in the account is from my XXXX. I had borrowed XXXX  and put in savings. I'm paying it back trying to bring my credit back after getting XXXX XXXX. But I paying it with my only income my XXXX. They have also canceled a order I had from on line and if I try to access inspite of the bank saying those funds aren't effected. I have intended to pay it back and did pay XXXX to a them but only XXXX was credited. They took the rest in legal fees. I dropped the program. I have proof. But 2 years after the fact one of XXXX went to a hearing he had no right going to and signed on my behalf. I've attempted contacting XXXX directly but they won't talk to me because they say the attorney had to discharge service when I dropped them 2 years prior. I can't talk to them and that attorney XXXX XXXX XXXX of XXXX FL. Bar # XXXX refused to return my calls. Because he said I yelled at him and said never to call again. This was after they took the entire XXXX towards my XXXX XXXX  XXXX card for fees and Because he had no right representing me. 
Noone will help me! I was trying to pay back what I owed. Why do you think I didn't just file bankruptcy? Because I felt I should try and pay it back. The savings that I had that I burrowed they siezed is an emergency fund I kept my daughter has a form XXXX XXXX and with her XXXX she could need to be taken to XXXX or XXXX to find someone that knows how to treat. She was just in the hospital for breathing right when this happened. To make things worst my wife had to stop working with the state. This XXXX Soscial security is all we have coming in and they took it and are planning on taking this month 's deposit that goes I. Wednesday. Help..please I am sorry to grobble. It just one of the main reasons I can't work isn't physical. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm really having a hard time writing this. I have done nothing wrong. I worked in Healthcare for 16 years I understand this confusion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously communicated with this company about these unverified debts that do not belong to me, and they have shown no proof that the alleged debts belong to me. I am tired of them calling my phone communicating about a false debt that isn't mine. I am getting ready to file for ligation, if this happens one more time. If anything comes on my credit report, I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX. My ex-husband XXXX and I acquired a mortgage with the Flagstar Bank for the residential property in XXXX, TX. The property was sold in XX/XX/XXXX as the result of a divorce. 

The bank closed our escrow account with a settlement check in the amount of {$11000.00}. We received the check shortly before the end of XXXX. XXXX and I co-signed the check. On XX/XX/XXXX, I tried to deposit the check remotely with XXXX XXXX. It would not go through. I tried again with XXXX XXXX XXXX. It appeared to be successful. This belief was later proven to be wrong. The deposit was debited from my account on the same day. But I did not realize that until XX/XX/XXXX. 

I reached out to Bank XXXX XXXX which explained to me why the transaction had been reversed : the check was issued in joint names, but the bank account was in my name only. It advised me to go to a bank branch personally with XXXX in order to effect the deposit. XXXX and I did so on XX/XX/XXXX only to be told that the check had expired. A new check bearing a new date would be required. 

I contacted Flagstar, its representative acknowledged my request and advised me to look out for a new check. After a long wait, I reached out to Flagstar again, only to be told that it would not honor my request as a co-signed check was showing in its system which indicated payment had been made. After speaking with a supervisor and explaining the situation, I was told once again to wait for a new check. 

Still no check in sight. I called Flagstar again in XXXX, the agent told me that she understood the situation but a written request must be made to its customer service with an explanation and evidence. I did so with a screenshot of my bank statement. Again, silence. 

On XX/XX/XXXX, I followed up on the written request, and was again told that " [ t ] he check cleared our system on XX/XX/XXXX so no refund to be issued. '' It is obvious that Flagstar has no intention to return the {$11000.00} to its rightful owner. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
Pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2022-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
5/3rd Bank XX/XX/2022 : I was successful in using XXXX to pay the monthly Mortgage payment XX/XX/2022 : A rogue payment was made to my mortgage not by me but from someone in the company. It was a successful payment as the money for my mortgage payment was in that account. 

XX/XX/2022 : XXXX attempted to charge me for a second payment and was declined. I was charged a {$37.00} fee for overdraft/return item fee. I had {$550.00} deposited into the account as usual from my paycheck. I call the customer service to dispute the rogue transfer and they told me it will be solved, autobillpayer has been fixed and to call back when it is no longer pending. 

XX/XX/2022 : XXXX " successfully '' took my mortgage payment leaving me- {$320.00} in my account when I need to pay bills. I called Customer service and they told me the second payment would not be reversed, and neither would the original {$37.00} Item return/ Overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I reached out to MOHELA on XX/XX/2023 to apply for a standard 20 yr repayment plan. I was told my application would take 7-10 business days to process. Two months and several phone calls later ( after very long wait times ) my application is still " in process '' and now the bill that was issued is incorrect. It shouldn't take 2 months to process a standard repayment plan application. MOHELA is paid to service federal student loans and they are not doing their job. I shouldn't have to endure horrible customer service and the other financial consequences, for a loan servicer 's poor planning and preparation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited {$1000.00} check on XX/XX/XXXX via mobile check deposit. 
Received notice that funds are not available for withdrawal next business day on or about XX/XX/XXXX. 
As of today ( Mon XX/XX/XXXX ) Capital One has failed to make funds available after 11 business days and has not provided any timeline for when funds will be available in violation of Regulation CC. Capital One refuses to work with bank check is drawn from to confirm availability of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: CA
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. 

Account name : XXXX XXXX Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, 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. 
Chapters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: CA
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:
This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : DEPTEDXXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} Date Opened : 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 explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, 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 have contacted Equifax on many occasions via certified mail which tracking shows they received my notices on XX/XX/18, XX/XX/18, and XX/XX/18 and via phone having spoken to the Fraud department & a few supervisors such as XXXX rep ID XXXX regarding information listed on my credit report. I have asked for validation of accounts such as XXXX XXXX & XXXX and have yet to received any physical proof since i have brought this issue to them. I am not quite sure why it has taken months for them to provide me with documents that per law should already be in their possession as they are reporting information on me that they themselves have no physical proof belongs to me. I have also received notice from Equifax to contact original creditors to further investigate when per law it is not my burden to do the investigation for the credit bureaus. I have although contacted said creditors and either have received no response, incorrect account information ( i.e. someone else account information ) or a notice asking I give a company that to my knowledge i have no dealings with all my personal information in order for them to validate a debt. All of this which has been provided to Equifax and yet still to this day I have not received any physical proof of validity from the original creditors or Equifax. I also sent notice of failure to validate to XXXX and XXXX XXXX as they have not provided physical proof to me so what have they provided to Equifax that could not be given to me is what I dont understand. This has been on going for months which if they are obligated by law to have this documentation in hand as they keep saying the information has been verified as accurate why have I yet to receive any physical proof from either Equifax on the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MRS BRO LLC has been harassing me for months attempting to collect an alleged debt that I do not owe to them. I have no written signed contract with this company or any contractual ties with this company. They have been mailing correspondences to my domicile attempting to collect an alleged debt, in addition to continually calling my phone multiple times a day at work. I have stated numerous times that I do not owe them for any alleged debt and that I do not even know how they received my information. I never gave any written consent to MRS BPO to have any of my information nor given them any written consent to furnish any information on my credit report. They have illegally obtained my personal information and are illegally attempting to collect an alleged debt. They have violated numerous of my federal consumer protection rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Southwest Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach & XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 1 ) Soutwest Recovery for {$1300.00} 2 ) XXXX XXXX XXXX for {$2600.00}.

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 2017-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In my opinion, Bank of America may have sold my loan to XXXX XXXX XXXX XXXX for pennies on the dollar. 

If so, in my opinion XXXX XXXX XXXX XXXX paid about {$110000.00} for my loan or less. 

Bank of America at that time claimed I owed {$200000.00} and therefore XXXX XXXX  XXXX XXXX could and would collect that amount from me. 

Or, did Bank of America only transfer my loan to XXXX XXXX XXXX XXXX without the exchange of monies and claim that they sold it to them. 

Its unfortunate, but every time I made a request for documents from Bank of America the legal team/personnel each and every time responded with unsound unrealistic insincere rhetoric diplomatically stating that they dont have to respond to my request or requests. 

I would like for the Bank of America legal team/personnel produce the below documents without diplomatically stating that they dont have to.

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 2018-11-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank charged me an annual fee XX/XX/2018. I am calling today to cancel my card XX/XX/2018. They are informing me Citibanks new policy only allows pro rated refunds if canceled within 60 days?? This is preposterous. How can they do this?? First I don't recall ever seeing a change to my user agreement. But how is the CFPB allowing this? The fee is an annual fee - if i'm not receiving all the benefits of the card for the entire year then how can they be charging me an " annual fee ''?? 

I should be getting a pro-rata refund for the months that I am not a holder of the card. This sounds very deceptive and highly illegal. Please advise. 

Thank you.

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 2023-12-09
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I travel for extended periods out of the country ; in fact, most of the past two years. I pay my bill each month in full and have done so for decades. While I have moved over this period, my telephone and e-mail address have never changed. I called today for a replacement card, as one merchant, XXXX XXXX, suggested my chip was bad while having no problems using the card elsewhere or at other XXXX XXXX locations, as you can see from my statement. I simply wanted a replacement card because I depend on the card. The process and call went well until the agent told me she was unable to send me a text to my number, which I was calling from, even though I was out of the country. Now this action by Citi may be retaliatory because of my other complaint. 
However, my issue is with the so-called security department. I was asked for the last six digits of my bank that provided bill pay services, which I gave and was told it wasnt correct or enough. I was asked whether my account was paid from a Citi Bank account, which it is certainly not. I was asked for a secondary phone, which I provided as my XXXX XXXX. While I recently as last month changed my US address, I offered my XXXX Drivers Licenses number, which was the security agent refused for security reasons. This call was reportedly recorded. After about 30 minutes, the agent said the only thing he could do was mail a letter to my US address for which I must call security again to get my card replaced. Why didnt he just say so before asking all these apparently irrelevant and intrusive questions. Terribly unprofessional and thuggishly abusive tactics by Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX| identified a discrepancy with account listed under JP Morgan and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXXXXXX  and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXXXXXX  there have been no updates and account is still reflecting on the report. I do not belleve the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation