BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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 2017-03-20
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to get a loan modification from Freedom Mortgage since XX/XX/XXXX and have been getting conflicting information and they constantly ask for the same documents. They did deny the modification and I appealed on XX/XX/XXXX but I have not received any written communication on the status of the appeal. They are still however asking me for the same documents. My spouse is not a co-borrower but they told me they need his financial information and then they told me I did not need to and now again they want the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America mortgage loan # XXXX was paid in full XXXX XXXX, 2016. 
Today, XXXX XXXX XXXX I called to ask why the paid note and cancelled deed had not been returned to me. Bank of America agent said that they did not exist!

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 2023-12-22
Company: Continental Finance Company, LLC
State: TN
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
These codes have been violated 15 USC 1681 ; 15 USC 6508 ; 15 USC 6802-6805, under my fair credit act.

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 2023-09-27
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My account was hacked and I filed a dispute back in XXXX and I was trying to add information to them disputes but I was not able to my dispute was filed one day then the next day it said that the dispute was found valid so I waited to file another dispute because I did receive a email saying that my account has been flagged I was not going to let a theft happen with my hard earned money I had to file a police report which took me a while because my identity had been stolen and I wlhave been working with many different creditors and companies trying to gather information when I filed a dispute in XXXX paypal found all the dispute in my favor and said they were unauthorized so I did no wrong I still wasn't able to provide information that helped my case but the case was ruled in my favor and after it was ruled in my favor my account was shut down then a 10 second review my account was immediately banned and my money is being held I have attached a police report which shows that my identity has been stolen and my accounts have been compromised so if I need to provide more information that helps my case and get my account unlocked I have more information that proves further in depth that I have had my identity stolen and accounts hacked have sent as much information as I can the only question I have is my did paypal choose to dispute some of the items I disputed back in XXXX and close majority of the items saying no error occurred and I was abusing the system back in XXXX I was never allowed to give any additional documentation to help my case it was reviewed in 1 day and said no I know my case has not been reviewed because I never was allowed to send additional information when I disputed the items a second time so within 1 day paypal found that everything I disputed was intact fraudulent without me ever sending any additional information but also closed all cases in my favor and locked my account I just want to know why I wasn't able to provide information the first time because my account would not have been locked if I could have provided a legally binding document like an police report which states that I was a victim of identity theft and had my identity stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
original case # XXXX was resolved except for the credit reporting. because I was considered for the trial payment plan, bofa considered this to be a credit problem and entered a seriously delinquent report to the bureaus. I have never been late and always paid on time I need this rectified. it is damaging my ability to borrow money or get a loan. thank you PS thank you for assisting me in getting the modification approved through Bank of America. That was n't going to happen either without your help.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent TransUnion written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. Also, I have sent a copy from the small claims court in NJ that the account does not belong to me.

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 2017-03-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I opened a home equity line of credit ( can be used similar to a credit card, against the value of my home ) with TD Bank a few months ago. My limit was XXXX. The only transaction I did was for the amount of XXXX, to pay off my remaining mortgage and home down payment. When my first statement arrived in my home, the balance stated over XXXX. More than XXXX was spent by someone else, using my card that TD Bank said they had mailed to my home, but I never received the card. Somehow, these people activated my card and used it on a spending spree all over the city -- at many ATMs to withdraw cash, XXXX, and many luxury goods stores along XXXX XXXX in XXXX. Since then, as they asked, I filed a police report ( that I will attach ), and it 's been over 6 weeks. TD Bank will not return the funds to my account. They are in a never-ending state of " We are still investigating '', but meanwhile I can not use that balance in my account for business matters. It is causing me great XXXX to have this hanging over my head.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPB, I want to report the moneygram service for deleting my account without any reason given to me. Ive been a loyal customer for 5 years now and I believe as of XX/XX/XXXXof 2019, My Moneygram account was terminated for no reason given and not even a single email or letter to notify me. I emailed customer service about this issue of my account being terminated and they said because of security reasons they can not tell me and my account being closed. I called on XX/XX/2019, and asked them if this is a temporary or permanent ban and they said it is permanent and I have to use another money service. I have family in another country whom I am very close with and know very well and even visited them during my vacations. I love to help my family who are in need because I know how poor their country is. I have broken no law, all I did was help my family who is suffering from poverty in another country who makes no more than a XXXX dollars a month not weeks a month! My reason for choosing this money service is because not all countries have XXXX XXXX or just too far out from my families village in XXXX and Moneygram is the closes to my families village in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over the past seven years there have been two foreclosure lawsuits against me for a property that I did not own related to mortgage agreements that were erroneously and fraudulently processed. The first lawsuit by XXXX was dismissed years ago after I spend a great deal of money in legal fees on representation. In XX/XX/2014 I received another lawsuit from XXXX ( the debt then has been sold to MTGLQ Investors L.P. ). I contested this lawsuit again and received notice from the Judge that I am not responsible for the debt. I continue to be harassed for payment of a debt that the Court has said I am not obligated to pay. I do not own the property named in the foreclosure action, I do not live there and I did not have the capacity to enter into a mortgage agreement that was obviously processed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a dispute with suntrust bank in the amount of {$100.00} USD with the merchant being XXXX. I explained to suntrust that I never received my debit card and that my identity had also been stolen. I informed the rep that everything from my mailbox was stolen that day as well, around XXXX. I contacted XXXX XXXX because an account had been opened in my name fraudulently. I contacted the 3 major credit bureaus as well as XXXX  ( consumer report ) in order to freeze my credit and consumer report. I received a letter from Suntrust around XX/XX/15 stating that my dispute had been denied. When I contacted the fraud department at Suntrust, I was informed that my dispute was denied due to inconsistencies. I asked to repeal the decision and also requested the information/documents used to make that decision. I received the appeal form and filled that back out and mailed it in. I called on XXXX to get an update, I was informed that my case was still under review. I also asked about the documents used in order to make the decision, and the document were never sent out. I informed the rep that i called XXXX, XXXX stated that they can help but they need to fill card number. I feel as if my case was just pushed to the side and not looked into like it should have been. Inconsistencies doesnt make sense if they would contact XXXX to get this situation resolved. When asking again for the documents be sent out, I was informed that I would need to go to a branch location with my ID, however there is no Suntrust Branch in my state. They are not doing anything to help with my dispute and its very frustrating.

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 2017-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America purchased a mortgage loan on the residential home of my ex-husband. He is now in a XXXX due to XXXX XXXX. Bank of America was notified that he lived in a XXXX that required him to sign over his retirement income, along with Social Security. Bank of America has now foreclosed on the residential property. In all my conversations with Bank of America, it was always told me that I was not responsible for the loan, but because I had Power of Attorney, they could talk to me. I had to file the POA with the State before they would honor it to even discuss the loan with me.. ( We divorced in the 2nd year of the original mortgage and property ownership was granted to my ex-husband by the divorce court. ) I now have POA for his medical and business care because he has no one else to help him. Bank of America knew this information and NEVER attempted to collect or report this loan on my credit report as his ex wife, in over 20 years. I was told they would n't and they did n't, until now that they have foreclosed on the property. They are now reporting it on my credit bureau and have sold the foreclosure to XXXX who is also reporting it. I now have 2 mortgage foreclosures reporting on my credit bureau for the same loan that I had a verbal agreement that I was not responsible for. ( evidenced by NO reporting or collection attempts in over 20 years ) It is NOT right that I was mislead by Bank of America and now 2 Mortgage Companies are exploiting my excellent credit as verified with no late pays or charge offs, on any of my Credit Bureaus. I received a letter from XXXX saying they were working with BOA in foreclosure on the property and the notice was NOT to be deciphered as a collection notice. Since they have NEVER attempted or discussed collecting from me or indicated I was responsible for the loan, please remove the credit reporting from my credit report. This type of exploitation by Financial institutions is crippling to consumers. It ties my hands to having a great credit history. Using unfair methods just because you can get away with it is not what America is about. We are a country of compassion. Bank of America and XXXX are NOT doing the " right thing ''.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX XXXX consumer who is a victim of identity theft. Transunion, XXXX and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Transunion and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

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 2017-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant XXXX % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.

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 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've been an American Express cardholder in the XXXX since early this year. Having 3 business cards and having spent over $ XXXX in the last 3 months on them, I was really satisfied with everything. Eventually my card ended up in a financial review for 2 weeks which after confirming everything with my banks & sharing financial documents the account was reinstated. 

After using the card for a week or so, I made a few payments towards the outstanding balances to reduce the outstanding amounts and to free up available spending. One of these payments ( {$10.00} ) got returned because my bank ( XXXX XXXX ) has a ACH Debit Block security on my account, due to me travelling I had been unable to approve the ACH Debit on time causing it to be returned. Once I found out, I immediately made new payments that did go through. 

On Saturday I've used the card at the XXXX XXXX, a few XXXX transactions and all of a sudden I receive 4 e-mails stating my cards have been cancelled. After reaching out to the customer service/credit team, it seemed my cards were cancelled due to the returned payments ( to the surprise of the agents on the other end of the line ). They promised me to review the matter and escalate it to the relevant teams for the account to be reinstated, and I'd be contacted on Monday. 

Since it was almost XXXX already today I decided to get in touch with the credit team myself, they told me the account was showing as eligible for re-instation, and it could probably be reinstated as soon as today, but they had to check with the relevant teams on how to do it. After 30 minutes on hold, I'm being told it's not possible to re-instate the account and that I have to re-apply. Even after asking for the team leader I get the same response, he just apologised for the misinformation and told me to re-apply. 

Re-applying would cause a new hard pull on my credit and I doubt if I would get approved again for all cards I had given, I have to apply for 4 news cards. It really surprises me that 4 colleagues would have misinformed me about the possibility of re-instating the account, and so do I doubt if my account would really be permanently closed for a single failed payment? 

Could you possibly escalate this to the relevant teams and look at having the account re-instated? Having an AMEX Card is crucial for our business, and we'd love to keep using AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is now the third time that XXXX has sent me to collections. I am getting really tired of the hours I have had to spend on the phone and they never resolve the issue. I have filed identity theft reports with my local police office, spent hours on the phone with them, and now have to do it again. This company is a ridiculous. I have been working hard to turn my credit around and XXXX just continues to allow phones and services to be billed to me when I will never use their service. XXXX is absolutely ridiculous. I have never used them and never will. You would think the {$1000.00} 's that has been wasted when they continue to let people falsely create accounts would make them wake up but it turns out that is not the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I used the annual credit report site, entered all required data, Experian and XXXX both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.

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 2023-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After more than 20 years of being a customer, USAA has unilaterally closed my ( and my family 's ) accounts. Per their letter, they suspect fraud of some sort on the accounts. They have closed the accounts. My issue is with the 60 day time frame for them to initiate returning funds. That is a ridiculous time frame after closing an account with no notice. I demand access to the funds that they are holding.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief