BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-12
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The credit card company closed my account after I made payment on XX/XX/2020, but claimed they closed it on XX/XX/2020. My payment was made using XXXX XXXX. They have refused to issue refund for {$310.00}. I have written a request to expedite refund due to current crisis in the US. I am only asking for assistance for the company to release my funds immediately. I have asked if funds can be sent back to XXXX XXXX and XXXX XXXX said they will reissue a new reference ID number for me to pick up funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX, Our conversation today, you stated that you needed proof that there wasn't an escrow account.This is proof stating from XXXX XXXX " Year End Statement '' that shows no taxes and insurance was collected for escrow due to escrows being canceled by prior servicer XXXX XXXX XXXX. I am requesting the amount of {$470.00} to be sent to me within 10 business days. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I opened a savings account at Bank of America with several checks from United States trrausury from my social security benefits. I received a letter on XX/XX/XXXX notifying me my account was closed, i called the fraud & claim department several times which they kept giving me different information for reasons my account was closed ; XXXX they told me I was commiting fraud because my checks expired & cancelled by the United States treasury Dept ( my check were not expired ) and funds from the Treasury dept was not released to the bank. 
I called the United States trrausury and they informed me that each one of the checks funds were released to Bank of America on XX/XX/XXXX. 
Then I called back Bank of America informed them my findings with the United States Treasury and this time they informed me the bank was holding the money from my checks deposited and it will be return to the United States Treasury Dept. but they don't know when or how long of time it will take. I found this strange so I called the office of the United States Treasury and they said they don't receive money back after the bank confirmed my Identity of been the payee of the checks and that I need to resolve this matter just the bank and myself. unfortunately Bank of America refuses to help me. I have documents from social security office stating my benefits with dates and amounts that match each of the checks.

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 2018-06-13
Company: MIDWEST EQUITY MORTGAGE, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX DBA MidWest Equity LLC obtained my SSN from a third party and pulled my credit report without my consent or knowledge prior to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: National Credit Systems,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:
I have reported the company for identity theft and for debt validation with the credit bureaus on XX/XX/23. I have reported them to the FTC as well. I sent them a letter notifying them of the dispute and investigation and a cease and desist on the debt collection pending investigation and validation. They have not responded to anything or about anything. Since the dispute was commenced. They are in violation of 15 USC 1692g ( b ) and 18 USC 1028.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: UT
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 got a credit card, {$10000.00}, opened in my name. I filed a dispute with Experian and they came back and said the account with the credit card company, XXXX XXXX was verified. I contacted Experian by phone and let them know the card was opened due to fraud. They said I would need to contact the credit card company and let them know. Also, I should submit a police report and ID to Experian. 
I contacted XXXX XXXX and they agreed with me that the card was fraud and the address used in New Jersey was not mine. I then submitted a police report and ID to Experian as requested. 
The card and address used was due to identity theft. I have done everything Experian has asked, but they still refuse to remove the card from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: FL
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 sent in letters disputing items on my credit report but haven't received an update about the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX I attempted to have my VA loan refinanced with my current lender Wells Fargo. This wasn't the first time I refinanced with them. I was attempting to take advantage of the low interest rates at the time. I spoke to sales rep and was flat out told specifically that Wells Fargo is not processing VA loans for refinancing at that time and there was indication of when the would start. I think I was discriminated against due to the fact i held a VA loan and my new loan amount compared to my interested rate would be considerably less. This was the third time I attempted to refinance and was denied ( XX/XX/XXXX, XX/XX/XXXX ). I didn't really look for other lenders since it was easier to use the same lender. I believe that if Wells Fargo processed my application I would have saved a considerable amount of money. Again this wasn't my first time. I was in good standing and my credit was above XXXX I also earned a considerable amount. I don't know what the banks obligations are in regards to VA loan applications. I don't think they can just flat out not even process a application because it is VA loan. I would like answers concerning this because I am sure some vets bought homes during this time Wells Fargo is the lender.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Delete Hard Inquiries

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 2023-12-15
Company: EQUIFAX, INC.
State: OH
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:
The credit score has not changed since XXXX of XXXX. Well XXXX decreased from nothing chsnfing on the report XXXX pints and returned last month XXXX lower. 

I've been denied for everything since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Why don't you work on that since you can't even get me a credit card with a limit at my XXXX age XXXX or a first time home buyer or a XXXX XXXX rv. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable.

I want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. 

I expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$6300.00}, {$4900.00}, {$7800.00}, {$0.00}, {$1400.00}, {$0.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN  ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- PERSONAL ACCOUNT 7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not 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 2023-09-08
Company: Upgrade, Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
Someone opened a credit card in my name for {$450.00}. The payments for this loan were coming out of my account. Upgrade agrees that it is a fraud account but will not return my payments. Upgrade took six payments of {$34.00} out of my account. I have called twice about a refund and all they tell me is that they have escalated my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH has miscalculated our property tax on multiple occasions, which has lead to large fluctuations in our monthly payment. For example, the 2023 XXXX payment was {$750.00}, and the 2023 XXXX payment will be approximately {$1600.00}. This has made it very difficult to budget our monthly expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tired to contact XXXX XXXX XXXX. Sadly the school closed down long time ago, to report that I was not the person those loans were handed to! I did some research and found out this school was a fake! They did not stay open long. The schools was in XXXX XXXX as stated firing the student loans account representative. 

This is terrible especially for my credit. I think it was back in XXXX or XXXX. I was living in XXXX expecting with my XXXX  child. Its scary how someone was able to get funding in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX through XXXX XX/XX/2023 I have fell asleep in my hotel with a stranger and they used my mobile device to send the money to someone and also took my wallet with XXXX in it I also field a police report in Nevada

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Subject : Urgent Follow-Up on Request for Removal of Fraudulent Accounts To Whom It May Concern, I am writing to express my deep concern regarding the unresolved matter of two fraudulent accounts that I previously brought to your attention. Despite my initial request and submission of an Identity Theft Report, along with a filed police report, there has been no action taken to remove the fraudulent accounts from my credit report. I am providing a detailed statement to bring this matter to your immediate attention. 

Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I submitted a formal request to have the aforementioned fraudulent accounts removed from my credit report due to identity theft. This request was accompanied by an Identity Theft Report filed with the Federal Trade Commission ( FTC ) and a police report submitted to [ Law Enforcement Agency ]. However, despite the seriousness of the matter and the supporting documentation provided, no action has been taken to rectify the situation.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RE : Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

My Address Street Number , Street Name, City, and State is and only is XXXX XXXX XXXX XXXX, Texas XXXX My current Legally acquired lawful Social Security Number last XXXX is and only is XXXX My Date of Birth is and only is XXXX ***ABOVE listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete correct METRO 2 Formatted compliance of reporting standard ( s ). These are REQUISITES of REPORTING, NOT OPTIONS of lawful reporting so PRODUCE undeniable DOCUMENT certified PROOF of claims and the claims reporting processes and format ( s ) compliant nature or else ERADICATE said claim, be it true or not. DO SO NOW! 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) | XXXX - {$7700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) | XXXX - {$7300.00} XXXX | XXXX - {$7700.00} XXXX | XXXX - {$7300.00} XXXX  XXXX | XXXX - {$5600.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00}

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 non-monetary relief
Consumer complaint received 2023-09-08
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Credit reporting 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 writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was trying to move my crypto into XXXX dollars and tried to use CoinBase. Based on the statements on the CoinBase website, I transferred {$12000.00} of XXXX on the XXXX network to CoinBase. I used the address CoinBase gave me and the transaction ID is here : https : XXXX The tokens never appeared in my CoinBase account. I have spoken to CoinBase XXXX as well as making a Formal complaint. Their response has been basically that it is my fault and there is nothing they can do. CoinBase bears this responsibility since they said that they can accept any XXXX token. XXXX is an XXXX token so it should work. While they claim that they don't support the token on XXXX and that there is nothing that they can do, in reality it would be a very easy job for someone at CoinBase with technical skills to either return the funds to my XXXX wallet or to credit them to my CoinBase wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.

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