BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I received an email from my supposed boss that I should give him my phone number because he was in an important conference meeting and I could not give him a call due to that current situation. I was not suspicious of the email because it had personal information about my boss. I have only been working for this company for a year and occasionally my boss emails me asking for tasks that are specific to my job. As a graphic designer, my boss does not directly supervise me often and usually am guided by my XXXXreative Director under him. 
Furthermore, my supposed boss told me hes on a conference call and needs to provide gift cards to our clients ( I thought it was something my company gave out for Christmas ). He told me to check a nearby store for some XXXX gift cards, yet I suggested that he, himself, purchase them online. He kept pressuring me to get these gift cards even though it didnt feel right and I was uncomfortable. However, I did not know how to deal with this type of situation ( as Ive never been in it before ) and say no to my boss. My company has reimbursed my coworkers and I before if we used our money to complete tasks for them. I thought this situation would be no different, however, it seemed like a lot for him to ask me to buy {$1000.00} worth of gift cards. I eventually bought the gift cards from the pressure and later on he started asking for more. That is when I realized it was a scam. 
I immediately called up my bank, Wells Fargo, and told them about my situation and how I got scammed {$1000.00}. I know I had willingly purchased the gift cards, but I discovered that XXXX put out a warning about a common covid-19 scam they had been experiencing where you receive an email or text message from your boss asking for a certain amount of XXXX gift card money. The Wells Fargo customer service provider said they would open a claim and investigate it. I got an email claim reference number and waited. 
On XX/XX/XXXX, I received an email that the investigation case was completed and to wait for a letter in the mail for further information. I did not receive that letter until XX/XX/XXXX. The letter claimed this {$1000.00} transaction was correctly charged to my account and as a result, they are not able to reimburse that money. 
Although I did willingly give the money ( gift cards ) to my supposed boss, It was a type of scam that directly emailed me impersonating my boss. I do not give out my work email to anyone. I believe this transaction of {$1000.00} should be reimbursed because it is a great deal of money I lost that could have potentially gone to my necessities, especially with the current circumstance of the economy with the pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i inquired how XXXX XXXX was able to to add a chapter XXXX bankruptcy on my credit report and i was informed that information was received from public records however bankruptcy court informed that this information is not shared with credit reporting agencies, i immediately requested that chapter XXXX bankruptcy, case XXXX, be deleted from my report which has yet to be done. I received correspondence from XXXX XXXX informing the information I already sent to them from the bankruptcy court be sent when i already sent this information. I am requesting that the chapter XXXX bankruptcy be deleted immediately by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX XXXX have received a notification on my credit report that CMRE Financial Services is allegedly claiming that I owe a debt and that they are trying to collect. CMRE is in violation of the laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter I XXXX XXXX XXXX am the consumer ( individual ) and CMRE Financial Service is the person ( corporation ).

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

I DID NOT INSTRUCT CMRE FINANCIAL SERVICES TO REPORT ANYTHING TO ANY REPORTING AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Im having problems dealing with the company Bank of America. I have a mortgage on a property at XXXX XXXX XXXX, XXXX, Ma. A XXXX XXXX tax payment was missed last XXXX. When I went to pay taxes online the taxes were no longer there to be found. I assumed it would just be added to my next real estate bill. ( My real estate taxes last year were, {$6500.00}. ) On XX/XX/XXXX, I received a bill from Bank of America, my Mortgage XXXX, saying I owed {$3200.00} which I then paid online on XX/XX/22. I received another bill for {$2100.00} which I again paid online. This totaled {$5.00}, XXXX. I talked to customer service and was told my payment would revert back to the normal monthly payments. 
I paid my usual {$960.00} then I checked my online bank statement the next day. I saw that Bank of America had taken {$3100.00} which was most of my Social Security check. I never gave Bank of America permission to remove this sum from my bank account. 
The total amount I paid to Bank of America for XXXX was {$8.00}, XXXX. I called my bank, XXXX and they said Bank of America has no authority to go into my bank account. 
I talked to the XXXX of XXXX Treasury Department. They said they did not give over my real estate bill over to Bank of America or place a lien on the property. The XXXX Treasury said something seemed suspicious and I should contact the Attorney General ( which I did ). Bank of America appears to have taken out an escrow account without my knowledge or approval. I have talked to numerous Bank of America Customer Service XXXX but cant get any concrete information. 
My mortgage payment has gone from {$960.00} per month to XXXX per month. No one can explain to me how that was determined. This payment seems to be set to continue for the next 15 years. Property taxes are paid twice per year in XXXX and amounted to {$6500.00}. I need guidance and help with this matter. 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 2023-01-23
Company: EQUIFAX, INC.
State: AZ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
No response from the phone number given for resolution. XXXX. Ext XXXX. Inappropriate ads and recordings : not a direct line to the staff. Bank of America. Promise to refund {$800.00} of PMI for payment yet 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 non-monetary relief
Consumer complaint received 2019-12-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Citi bank has made two grave financial errors on my account the first being them providing too much credit for a dispute and the second allowing the account to be overdrawn causes 4 overdrafts and related fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2023-10-14
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received this gift card a few months ago and just decided to use it for an online purchase. It was declined twice at one store on XX/XX/23 and I tried to use it again at another store on XX/XX/23 where it was declined twice again. I have sufficient funds to make the purchase however now when I check the balance I see every attempted transaction incurred a pending {$0.00} charge. My {$45.00} American Express gift card is not only useless online, it now is only worth {$44.00} despite never using it. I have checked the American Express website to see how to resolve this issue but there is nothing of significance. I am not the only one with this issue as there are entire communities of people saying these cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. It's entirely unacceptable to advertise these cards as usable everywhere when that couldn't be further from the truth.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2023-02-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
PayPal Credit-Synchrony Bank closed my account and reported it to the credit bureaus as settled. This lowered my credit score significantly. 

I contacted PayPal Credit and was told the account was closed due to two missed payments. I have not missed payments. My account, which was open for years, had monthly scheduled automatic ACH payments through my bank account. My account details did not change and funds were available. My bank ran a report of my account activity. The report verified that I had XXXX overdrafts or returned payments. The report also confirmed that PayPal Credit did not present my scheduled ACH for payment during the months in question. 

I provided this information to PayPal Credit. They reinstated my account without my permission, now there is derogatory reporting due to the combination of the settled account and new account reporting errors. 

The final issue is that PayPal Credit has not resolved the reason my automatic draft was not presented for payment. They have directed me to resolve this matter with PayPal Customer Support. PayPal Customer Support could not resolve and deferred back to PayPal Credit. I am without resolution.

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 2023-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
on XX/XX/2023 XXXX XXXX application refence number XXXX made a online extension to obtain money for personal reasons, i received a denial from Chase bank stating they would not approve my application due to the information they SAW on my consumer report, Please note this is the first problem i would like to bring forth because under the Fair credit reporting act 15 U.S. Code 1681b ( c ) ( 2 ) it Limits the information someone can received ( 1 ) ( B ) A person may receive pursuant to paragraph 15 U.S. Code 1681b ( 1 ) ( B ) ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 

15 U.S. Code 1681b ( c ) ( 2 ) ( c ) Cleary states you can not receive information on me regarding disclosing any relationship with any particular creditor or any other entity, meaning you should not see any information between me and another person, in addition you are in violation of the FCRA 15 U.S. Code 1681b ( f ) obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) my consumer report was obtained for a purpose for which the consumer report is not authorized to be furnished ( 2 ) and there was no certified purpose in accordance with section 1681e of the Fair credit reporting act as prospective user to obtain the report through a general or specific certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern, On XX/XX/2023 I Mailed XXXX And TransUnion A Dispute Letter Regarding Unauthorized Inquiries Reporting On My Credit Report. XXXX Wrote Me Back On XX/XX/2023 & TransUnion On XX/XX/2023. Stating That These Inquires Are Factual, WITHOUT Providing Any Names Business

Addresses Or Phone Number On Those Who Made Unauthorized Credit Inquires So I May Contact Them Directly. I Never Authorized Such Action & This Constitutes A Violation Of My Rights Under The Fair Credit Report Act 604 As Well Violations Of My Rights To Privacy. This Is Not A Request For A Reinvestigation.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Between XXXX and XXXX I had a checking account with Wells Fargo and they charged me overdraft fees to the point where my whole paycheck would be taken every XXXX weeks even without any transactions being made. I disputed the amounts and the customer service employees would laugh and hang up on me. I eventually went with another bank but this bank was horrible to work with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have sent a letter to the credit bureaus XX/XX/2020. I have not received any results yet. It has been over 60 days. That is a voilation. I demand for those accounts to be deleted at once. I feel as if they are taking advantage of me and not taking my request serious. I also sent a complaint through consumerfinancial.gov/complaint a few weeks ago. This is my second attempt to send a complaint. I received a letter from you saying you threw out my last complaint for not identifying myself. I am Who i say I am.

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 2023-02-09
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to request validation of this account and I have yet to receive it. 
Where is the original account with my signature so I can view it for myself?? 
This is hearsay and validation has not been provided. 

As I looked further, the " estimated month and year this item will be removed '' date is inconsistent across all three major credit reporting agencies. The information should be the same. This alleged account should be removed immediately due to inconsistent reporting and what seems to be considered re-aging the account. 
Cavalry Portfolio services has not validated this alleged account and can not continue to report inconsistent information.

I also see that different contact info is shown. If I wanted to contact Cavalry Portfolio Services, I would not know which address to send my dispute to.

I am submitting exhibits to show that Cavalry Portfolio services did not report consistently and appears to re-age this alleged account.

I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On numerous occasions, I have mailed several correspondence to remove the account named XXXX XXXX XXXX acct # XXXX. I never received any results. Furthermore, I received correspondence from XXXX stating that the trade line would be removed and also forwarded it to all CRA. It has been 5 months and this account is still falsely reporting on my credit. The latest false report is 2 new 90 day late payments on Equifax. How is this possible for an account that should not be on my credit report?

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. All investigations have either exceeded 30 days or not conducted at all. This is extremely frustrating as you alone are causing me great stress and emotional instability. Due to the lack of response to my letters I am forced to make a formal complain on the CFPB for violations of the federal statutes that I can pursue retribution for and thus result in numerous fines to your agency. This account has no place on my credit report. If needed I can provide documentation that this should not be on my reports. However, I ask that you correct the error on your part and remove the account entirely.

Company response to consumer: Closed with explanation