BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: NC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-08-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
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:
My name is XXXX XXXX and many years ago ( XXXX ) I opened a custodial account for my granddaughter XXXX XXXX . I am trying to access her funds and move her money to another bank. 

I called today, and talked with XXXX from Utah and she told me that she couldnt fully access the account and recommended that the account owner go to the banking center and provide information such ID and social security card. The issue here is that my granddaughter, XXXX XXXX is under age and doesnt have a state ID and also lives in a different state than me. I was instructed for XXXX XXXX to go to the bank with her guardian. However, being that my ID is whats on file, not sure if that will be an issue for my granddaughter. 

Another issue is that there were many errors when this account was opened. Apparently, the ID on file is mine ( XXXX XXXX ) but the account was opened only under XXXX XXXX. 
How is this legal to open an account to an under age child? As the sole owner. Because now they are saying she is the sole owner of the account. So she was under 10, when Bank of America opened this account. All along I am thinking it was a custodial account. Unless it opened as a custodial account and somewhere along the line BOFA switched it. 

I need your help in recovering the funds I have been depositing into this account. Currently theyre {$1300.00} in this account. 

The are telling me that since the account went dormant due to inactivity and the funds eventually will go to the state. I need help in accessing the account. Please investigate their practices as this was an error on their end and now they arent willing to assist in helping me with a resolution. Account number is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NJ
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX Account # : XXXX Balance : {$170.00} Payment Status : Collection/Chargeoff XXXX Account # : XXXX Balance : {$120.00} Payment Status : Collection/Chargeoff XXXX XXXXXXXX Account # : XXXX Balance : {$530.00} Payment Status : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Balance : {$220.00} Payment Status : Collection/Chargeoff XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$1100.00} Payment Status XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX, Used XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion

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 2022-07-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Our loan provider Has in accurately reported my account as delinquent 90 days, which is not true. When called to inquire, the repXXXX Was not helpful and couldnt give me any information when my statements show that i paid what was due. I should not have been marked delinquent 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CrossCountry Mortgage LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Incorrectly filed my apartments mailing and physical address, has not corrected my information and is withholding taxes and insurance in escrow to include a refund which is owed. Theyve have made numerous errors during the communication process, they have incorrectly mailed a check to an incorrect address, they have incorrectly sent numerous mortgage statements to an incorrect address, they have misunderstood the request of an address correction for a common change of address. They failed to respond and communicate to the request in a timely fashion as this has been going on since XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sent a wire transfer on XX/XX/2023 for {$4800.00}. 
Cancelled the transfer on XX/XX/2023 thru BOA Customer Service that afternoon. 
Was told that the transaction was cancelled and there would be a {$25.00} service fee charged back to my account. To me this was a confirmation that the transaction was cancelled as requested. 
Called on XX/XX/2023 and was told it would take a few days for the money to be returned. 
Called on XX/XX/2023 and was told it take 4 to 5 days for the money settle. 
Called on XX/XX/2023 and was told that there is no time frame. 
Called on XXXX and was given the XXXX XXXX  phone # and was told to call them Called XXXX and they could not give me any information. 
Called back on XX/XX/2023 and was told that the case was being escalated. 
Called back on XX/XX/2023 and was told that my initial call to customer service was not correct. The initial associate should have told me that nothing was guaranteed. This was told to me by Supervisor XXXX, she told me the Compliance Department would call me by XXXX that day. No one called. 
Called back on XX/XX/2023 and requested that Compliance call me. 
As of today, no results.

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 2018-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
capital one card, state that someone has open anccount in my named, that's being reported,30days late,60days late, aftering finding this problem is going on they refuse to correct this, problem, they owe me a deposit of XXXX. dollar, on the only account that I opened with them, ending in XXXX, which I closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

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 2023-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a small business owner and have a small business account with BofA I deposited a check for XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX and they said the money was debited from their bank on XX/XX/XXXX I deposited another check for XXXX from XXXX XXXX XXXX on XX/XX/XXXX I deposited another check for XXXX from XXXX XXXX XXXX on XX/XX/XXXX I deposited a check XXXX I went inside the branch and asked why the first check of XXXX was on hold when the check cleared my wife 's bank? The branch rep said the check will be cleared from the hold. 

Today, I see online the check has been put back on hold and when I call customer service they say it has to go to the reserve first. I asked to speak to a manager and no one has responded to my request. Now the XXXX remaining checks are still on hold. It has been 7 days and bofa is holding my money and I cant conduct my small business if they are not releasing my funds. How can they clear a check and then put it back on hold?

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 2023-02-07
Company: M&T BANK CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called in to change my weekly payment of {$550.00} to biweekly payments of {$900.00}. I was under the impression my next biweekly payment would be auto drafted on XXXX. 
To my surprise another weekly payment was auto drafted on XX/XX/XXXX. I called in on XXXX and was told by a banker that my biweekly change was not processes and they asked if I received a letter that I was supposed to sign and mail back. I was told they can not make the change with a signature, unless I make the change online. I never received a letter to sign and the banker I spoke with on XX/XX/XXXX never mentioned anything about needing to sign a cancelation notices and mail it back. 
The Baker walked me through how to change my payments online and I schedule the next biweekly payment to be auto drafted on XX/XX/XXXX. I thought my change was processed and everything was good. 
Then on XXXX another weekly payment was auto drafted from my account. I called the bank on XXXX and the banker advised that I was set up on biweekly payments, but the {$550.00} weekly payment was processed on XXXX because I had to call in XXXX business days before the auto draft to cancel it and I called in 2 business days. The banker I spoke with on XX/XX/XXXX never informed me of this and I was under the impression my next auto draft payment would not occur until XX/XX/XXXX. 
Luckily the 2 unexpected auto drafts did not create and NSF but even so the bank should have informed me of the processes and educate me on what to expect.

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 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My complaint is with my Business Checking account with Bank of America. My business account has experienced fraud on the account. A number of fraudulent checks have been cashed against my account. I have caught all except 4 within Bank of America 24 hour notification window. The 4 checks in question are : {$50000.00} cashed on XX/XX/22, {$17000.00} cashed XX/XX/22 {$14000.00} cashed XX/XX/22 {$9400.00} cashed XX/XX/22 All four were reported to Bank of America on XX/XX/22 Fraud Initiation number XXXX XXXX XXXXXXXX On XX/XX/22 Bank of America responded that they are not responsible for our loss. We responded that we did not agree and are going through the procedures to see how we can get our money returned.

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 2018-09-28
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX contacted me by mail back on XX/XX/2018 saidI owe XXXX money for old debt So I decided to saddle the dept so it wouldnt be put on my credit report XXXX XXXX   put on my credit report anyway So I ask this collection agency asked them to remove it they told me they couldnt remove it they just a third-party collection agency and they told me to call XXXX so I called XXXX told them the situation and they looked at it and say that I didnt know that many money so I called the collection agency back and tell them the situation with XXXX and they asked them to send me documentation and they told me they dont have documentation of the Debt because they are third-party collection agency also this collection agency never send me a receipt for the money I paid that asked him three times back in XXXX to send me a receipt and they still havent sent me one.

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 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is the fourth time this has happened with capital one credit card AND my XXXX XXXXt account. My XXXX XXXX account was linked to make payments and it is booting my account off every month for no reason. I provided capital one with everything they asked for from XXXX XXXX, I call every week and it is not resolved. I need this resolved this time. And i need someone from this end to contact me at this point, because this is ridiculous and should not be happening. I want to pay my bills and not be stuck in debt, but capital one is not working and helping me, they keep giving me the run around. Please please please someone contact me and lets resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX ( ID # XXXX ) from PHH is stating that PHH Mortgage is unwilling to generate my statements from XX/XX/XXXX to XX/XX/XXXX. 

I require my billing statements from XX/XX/XXXX to XX/XX/XXXX. 

XXXX said someone at PHH, without my authorization, set my loan to " coupon billing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Made a {$25.00} charge using XXXX XXXX. Charge was treated as a cash advance and Chase charged me a {$10.00} dollar fee for the {$25.00} charge. If I knew the charge would be treated as a cash advance and I would not have made it. I complained to Chase that I have made this transaction before and it was not a cash advance. Requested that the {$10.00} fee and any related financing charges be reversed since i wasnt aware of the charge and didnt approve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America A large financial institution is holding onto me funds and not releasing them. I have banked with them for 15 years, have XXXX XXXX XXXX with them. I do wires and work in banking, I have never experienced this and have no idea what to do. 

XX/XX/XXXX initiated wire XX/XX/XXXX cleared through red flag via fraud department XX/XX/XXXX bank canceled wire XX/XX/XXXX initiated wire in branch in perosn, wire approved XX/XX/XXXX wire didnt go out XX/XX/XXXX called in, was assured we were all set and no issues XX/XX/XXXX no wire sent XX/XX/XXXX called wire department, went through red flag process again. 
XX/XX/XXXX wire processing XX/XX/XXXX wire not sent, placed on hold again XX/XX/XXXX in branch location no help XX/XX/XXXX sitting in branch no one in wire department or bank can provide any resolution XX/XX/XXXX asked for money to be made available and distributed as cash since they cant wire XX/XX/XXXX bank is holding my money, wont wire it, wont give me cash, I am stuck and its unacceptable, my funds are sitting in my account are valid, and bank wont release them

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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