BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received an email from EdFinancial on XX/XX/23 saying that they were going to be moving my account to a new system on XX/XX/23. It stated that in two weeks I would be able to create a login in their new system. I then called after two weeks and was told " Oh, it actually is going to take 30 days now ''. It's now XX/XX/23, approximately 42 days since my loans were wiped out of the old system and I still have no way to create this new account and pay my bill. I try to call EdFinancial when I get off work and I'm put on hold until they close and no one answers. I try to use their online chat while I'm at work, and it says it's unavailable. I need to talk to someone there to, at the very least, figure out how to send them a check or something. They sent me the address to mail checks to the first time I talked to them but there is no info on who to make the check out to, what information needs to be included if any, etc. I'm not sending a check for that amount of money through the mail without knowing that I am 100 % doing it correctly. I am very frustrated and just want to be able to pay my loans. I don't feel like that is too much to ask and this whole system migration has been a nigthmare to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Tuesday XX/XX/2021, I received a text message claiming to be from Wells Fargo saying that there was a fraudulent transaction on my account at a XXXX. It said to text back yes or no if I approve this transaction, so I texted back no. Then I received a phone call from a number that is a wells fargo branch in XXXX XXXX, fl, and they knew my name, username and other personal information and asked me about this fraud transaction. In the past I have received fraud alerts from Wells Fargo. They also said there was a pending wire transfer, and I said no it was not me. They proceeded to gain access to my online account by sending me codes to my phone and having me read them to them to verify my identity to reset my password. These codes were sent by Wells Fargo. After that, they added a fraudulent email address to my account and somehow proceeded to make this {$5600.00} wire transfer without my knowledge or prior notification. That afternoon I noticed the funds were gone from my account, and then proceeded to call the wells fargo fraud claim line to open a claim and to explain what happened. They told me to go into the local branch as soon as possible to prove my identity. It was after XXXX on Tuesday so it was closed but I went first thing on Wednesday XX/XX/2021 and I talked to the banker about what happened. She ensured me this fraudulent transaction would be taken care of and I would get my money back. The banker and I called the fraud claim to ensure this was escalated and to reset my username and passwords. I left feeling better about the situation. 
I proceeded to call the fraud claims line of wells fargo and I finally got an update on Thursday XX/XX/2021. They said my claim was denied because the scammer had they information they needed to approve this wire transfer and since it was wired the money is gone. They recommended I go to the authorities and theres nothing else they can do.

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 2022-10-11
Company: TRUIST FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Regional Acceptance continues to report to XXXX wrongly. I have paid {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, {$1000.00} on XX/XX/2022, and {$1500.00} on XX/XX/2022 ; however, they are not reporting my current balance, which is {$7400.00} as of XX/XX/2022. However, they have sent me a monthly statement verifying that. 

On XX/XX/XXXX, Regional Acceptance reported my balance as {$12000.00}, according to XXXX. Falsely lying about the fact that I have reduced my balance by over {$4900.00}. When I called them on XX/XX/2022, numberXXXX, they told me they report monthly to the credit bureaus on the XXXX. 

I have called XXXX directly, and they stated they had not received any report from Regional Acceptance since XXXX. I have obtained my free yearly credit reports as of XXXX XXXX, and all the credit bureaus have a report from Regional Acceptance which shows a {$12000.00} balance instead of {$7400.00}. 

This impedes my chance of buying a house and showing my real debt to income it.

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 2023-12-13
Company: Total Card, Inc.
State: GA
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 been disputing multiple accounts that were a result of identity Theft and unauthorized charges and accounts opened without my knowledge. I provided proof of my incarceration at the time these accounts were opened. They seem to overlook this documentation of proof and continue to keep these fraudulent accounts on my credit report. Which is causing my credit report score to remain in the " poor " status, ultimately this is affecting my life and moving forward, due to the fact I can't get any credit! I have ask these companies multiple times to please remove! The account and any negative actions that are associated with these accounts. THE ILLEGAL SECTION OF THIS ENTIRE COMPLAINT IS THAT 3 OF THESE ACCOUNTS HAVE DUPLICATES OF THERE ACCOUNTS MAKING IT APPEAR THAT THERE ARE MORE NEGATIVE ACCOUNTS THATLN THERE ACTUALLY IS ON MY CREDIT REPORT. THIS CANT BE LEGAL! So I am fighting for my rights against fraud from consumers commiting fraud reporting the same account twice by adding XXXX or XXXX dollars to the balance. Or either the original fraudulent account is listed and also who they have sold the account to such as National credit adjusters, they both are reporting negative activity! All of which DO NIT BELONG TO ME These companies of subject matter are the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ( Total Card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a complaint against Grant & Weber Inc. for wrongfully placing a {$3000.00} debt on my credit report. 

My name is XXXX XXXX and I am a resident of California. On XX/XX/2019, I found out that Grant & Weber XXXXnc. had reported a debt to my credit report that had nothing to do with me. I have never done business with this company, and the debt is not mine. 
I have contacted Grant & Weber Inc. multiple times to dispute the debt and request that it be removed from my credit report, but they have ignored my requests. I have also contacted the three major credit bureaus and requested that they investigate the debt, but they have been unable to do so. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Grant & Weber Inc. removes the debt from my credit report. 

Thank you for your time and consideration. 

Sincerely, 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 explanation
Consumer complaint received 2023-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a domestic wire transfer 2 times this morning. They called me and I provided all the information. I am not happy that they repeatedly block my wire transactions. Next one I initiated, went thru " with a supervisor and then again they rejected the same. 

Have sent money to this recipient in the past many times. This is not the first time either. 

This time they locked the account and rejected the wire transfer again. Again I had to call and go thru " detailed verification to restore access to my account. Now, I have to wait for an hour to set up the wire transfer again and go thru " the long security check up again. 

There is not surety that this will go through. This has happened in the past and I lost an opportunity where I could have made significant gains. 

They act like we are children that don't know what we are doing. This needs to stop. I am calling an attorney to initiate action against bank to recoup my losses. 

Bank can not be looking at their profits only, lock up my money, excessive security controls and then act big. 

When calling them to get the transactions through, they treat us like we are criminals and they have right to treat us any way they wish. This disgusting behavior needs to be stopped. 

Please note this is a repeated complaint to CFPB about the similar issue in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Agency ( PRA ) has been harassing me with frequent phone calls from a variety of XXXX numbers. I do not have outstanding debt and have never transacted business with this company, it is fraudulent and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: OH
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I purchased my home mid year XXXX. Due to a company error, they did not update my taxes or insurance amounts to accurately recalculate my monthly payments since XXXX. They have since stated that once an audit was completed in XX/XX/XXXX, my monthly payments would increase to retroactively pay back the increased taxes and homeowners insurance since XXXX. They have not informed me of any increases until XX/XX/XXXX which would have taken effect XX/XX/XXXX. Due to their known error and lack of the 45 day acknowledgement period, they had to rescind the XX/XX/XXXX bill and revert it back to the normal monthly amount. Because I have not been notified of any increases and they did not do their due diligence of informing me of any payment increases or increasing my payments, they are now stating that my escrow account is over $ XXXX short. This is absurd! My statements have been the same amount and have been paid accordingly. No recalculations were completed nor was I notified accurately or in a timely manner and now I owe this obscene amount due to a company error?? For over 1.5 years?? Absolutely not. This is not ok! I am fine with paying the increase as of the date that I am informed going forward but I will not backpay for things that were not updated accurately nor was I notified for fairly. This is not good business at all! Movement Mortgage will never get my business again and I will be sure to spread the word very swiftly!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After disputing a transaction Bank of America wrongfully froze my account and funds that I had in the account without notifing me that my funds were not assessible. Bank failed to assist when asked to help unfreeze the account and gave me misinformation by stating the state unemployment office would have to remove the freeze due to the state being responsible for the freeze and when I finally got in touch with the state unemployment office I was told they had XXXX control and the bank would have to unfreeze it and the bank again lied to me by stating I would need to get an attorney to get the freeze taken off. This continued for over 2 weeks. The XXXX I spoke to at Bank of America called me a bum that was only trying to get free money. When I told her I worked and paid in to unemployment she told me I was XXXX and she could not help then hung up on me. I spent a total of 38 hours on hold in a span of 15 days only to be hung up on everytime. I spoke to the state attorney generals office and was told I could get assistance from CFPB. Bank of America contacted XXXX XXXX XXXX XXXX and stated my account was fraudulent and XXXX XXXX froze my unemployment benefits for a total of 3 months causing undeserved suffering for my family. We lost our home and car due to the freeze causing my benefits checks to be lost in transit for a total of XXXX checks and 4 months total. When I attempted to request they unfreeze my account I was put on hold for 7 hours the first day, 5 hours the next day and so on and so forth and hung up on numerous times. Bank of America allowed an unauthorized person to open an account for a pay card I had no idea about. I asked the XXXX about the freeze and was told it was automated by the computer and they had no control over the freeze. The investagator from dispute resolutions agreed with me that it was so confusing and unlawful for the bank to do this without reason or notice. It has come to my attention that CFPB fined bank of America for issues exactly the same as mine. I have been treated unfairly by both the bank and the CFPB and will seek assistance from the Ombudsman if necessary to resolve this matter. I am forwarding this complaint to my states governor and the office on the comptroller of currency also. Please help me get the justice my family deserves for being forced to lose our home due to the banks unfair and treatment of myself, the bank was deceptive and the CFPB obviously agreed with that due to the huge fine they gave the bank for similar issues. I attached pictures and every single paper represents a check that was lost in transit.

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 2023-08-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I have a cease and desist on the account yet the lender has called every day since XX/XX/XXXX. I have told them several times that I know when the payment is due. This is harrassment. 
Secondarily, I have asked the lender to send me an escrow analysis and breakdown of the arrears. I also asked for an adjustment of fees owed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting XXXXXXXX XXXX XXXX XXXXXXXX on my report and this account is not mine. They are violating FCRA guidelines which ive sent to them to adhere to. 

FCRA 15 USC 1681 602 AND 604 I DID NOT GIVE PERMISSION TO OPEN AND FURNISH THIS ACCOUNT ON MY REPORT AND THEY ARE ALSO VIOLATING MY RIGHTS TO PRIVACY AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Santander Consumer USA Holdings 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:
15 U.S.C 1681 section 602 A. states I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-10
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo Bank has been causing my checking account being low each and every month with direct deposits in my checking account. Who has been paying XXXX Funds I didn't authorize for XXXX  Services to receive from my Wells Fargo Debit Card XXXX XXXX had refuse to refund me back some of my funds that were paid to them. Which has happened twice. I feel I am being target and taking advantage of by Wells Fargo Bank and XXXX because my race and age. XXXX has been give me more problems with their internet services. It has been given me problem connecting with my devices. My XXXX, XXXX, XXXX XXXX, and My Laptop Computer. There has been other XXXX in my area. Who has been successful in connecting with my XXXX XXXX more than me who is pay for the services. There are XXXX in my area are getting free internet and I am senior who paying for it. It not being fair. They inform me I'm not eligible for free internet.

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 2021-02-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have informed the debt collector ( Convergent ) and the debt holder ( XXXX ) that their alleged debt is the result of identity theft. I have filled out XXXX fraud packet and submitted it to them. They have not removed the debt and repaired my credit. I have demanded that my credit be repaired and that has not been done.

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 2022-08-16
Company: EQUIFAX, INC.
State: WA
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:
I am a natural person, i am a living human being, i have rights under 15 usc 1681.

Equifax is govern by 15 usc 1681. and they violented my rights numerous of times. i demand these accounts listed below be remove because according to 15 usc : i have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX  OF XXXX ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company stated that it has actively ceased seeking payment but is still showing on my XXXX but has removed themselves from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/2023 Debt collection company " VANCE & HUFFMAN LLC '' placed account in collections since then company is reaaging the account and updating the balance I have disputed this account with collection agency requesting to validate this account and verify information please delete this account for falsely reporting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: EAST WEST BANK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by XXXX XXXX who offered trading services as an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX is not regulated in USA where I live. I now understand that XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. this fraudulent company opened the bank accounts with East West Bank here in the USA. The beneficiaries were XXXX XXXX and XXXX XXXX. who received the monies that I sent from my bank ( XXXX XXXX ). I was also a victim of East-West Bank because they should never have engaged with XXXX XXXX. If they had done proper due diligence with their client, obtained KYC documents and followed anti-money laundering laws, East West Bank would have realized they were a scam. I would say it is likely East West Bank knew they were a scam and engaged with them simply for their own monetary gain at the expense of victims like me. My attorney has sent a letter to East West Bank ( see attached ), detailing all of the above and more, to which they gave a very unhelpful response ( see attached ). I want East West Bank to either retrieve my monies from their client XXXX XXXX or in the alternative, to reimburse me for my painful loss of {$54000.00}

Company response to consumer: Closed with explanation