BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since I can not reply to Mr. Cooper 's earlier response, I am submitting this new complaint per original Complaint Case File Reference : XXXX **Original Complaint Filed** : Mr. Cooper has provided the below 'contact ' information as the owner of my mortgage. XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX However, I am unable to contact or speak to anyone from this organization. Why am I unable to contact the investor / owner of my Note directly? I have repeatedly asked Mr. Cooper who I can talk to with no response. I call the organzation at the address and they can not put me in touch with anyone either. WHAT IS A VALID PHONE NUMBER, EMAIL OR CONTACT NAME FOR THIS " INVESTOR ''? 
***** Instead of Mr. Cooper providing me the requested information, they instead filed an extension on case resoultion with the following response ... " At this time, we are having conversations with the trustee on this loan to reach a favorable solution. We apologize for any inconvenience this may have caused and appreciate your patience. Expect to hear from us by XX/XX/2022. '' WITH ALL DUE, I DO NOT CARE WHAT CONVERSATIONS YOU ARE HAVING WITH THE OWNER OF MY NOTE! I SPECIFICALLY ASKED YOU FOR THE ACCURATE CONTACT INFORMATION FOR THE HOLDER OF MY MORTGAGE. WHAT IS UNCLEAR ABOUT THIS ASK? 

I HAVE ASKED AT LEAST 5 TIMES, 5 DIFFERENT WAYS FOR THE CORRECT CONTACT INFORMATION. YOU LIED TO ME SEVERAL TIMES BEFORE ABOUT WHO ACTUALLY OWNS MY NOTE FOR YEARS AND NOW I AM TIRED OF YOUR RUNAROUND. 

GIVE ME THE CONTACT INFORMATION IMMEDIATELY BECAUSE WHAT YOU HAVE PROVIDED TO DATE HAS BEEN INACCURATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Attached are the documents. I'm kindly asking the bureau to start an inquiry into these accounts, as they wrongly depict me as late in my payments, despite my consistent punctuality.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2023 - The TransUnion and XXXX account numbers are not matching and are to be deleted. 
Per 15 U.S.C 1681c. ( a ) ( 5 ) delete record due to the high balance do not matching.

I pointed out that record is inaccurate and per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer the reporting agencies do not have my written instruction to publish records.

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 2022-02-19
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear sirs. 
I need your kind support for the below issue. 
I already sent emails calling every days. 
But still I didn't get my money. 
Today I called the name of person is XXXX XXXX. 
XXXX XXXX XXXX. 

Id. XXXX. 

Mob. XXXX stn. XXXX Ticket # XXXX sent date. XXXX. 

Sent by XXXX XXXX Status. Not receeived yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a former customer of Bank of America. During my time as a customer of Bank of America I was robbed, my identity documents were stolen and I became a victim of identity theft. I filed a police report and have attached this report to this complaint. 

I had two checking accounts and one savings account with Bank of America. After my documents were stolen I went into a Bank of America branch and told a teller that I needed to cancel my old debit card and to order a new one. I told the teller I did not have the debit card anymore. The teller then closed the debit card attached to the wrong checking account and ordered a new one. I told the teller to close the debit card for the checking account ending is XXXX but the teller did not listen and closed the wrong card and ordered a new one. I did not notice this until a few days later when I audited my account and saw charges I did not authorize. 

The fraudulent charges were to two merchants ; XXXX XXXX and XXXX. 

I filed a claim with Bank of America regarding these charges. Bank of America 's risk department then froze my accounts and began the closure process. I was told Bank of America had made a business decision not to bank with me anymore. Today I received a letter from Bank of America 's claims department telling me they investigated the claims and found no error and were holding me responsible. 

I called the two merchants myself to inquire about these fraudulent charges. I called and spoke to the office manager of XXXX XXXX. His name is XXXX and can be reached at ( XXXX ) XXXX. XXXX XXXX confirmed that they charged my debit card over the phone for a third party patient that had my card number. XXXX XXXX confirmed I did not receive any goods or services for this charge. XXXX would not tell me the name of the patient citing HIPPA laws.

I called XXXX  and spoke to someone in the Fraud Resolutions department. I was told again that a third party used my debit card to book a vacation through XXXX. XXXX confirmed that the account that used my card was NOT in my name and that I did NOT receive any goods or services for this charge. 

Basically Bank of America decided to hand my accounts over to their Risk department and after that all my claims were just blanket denied. I have both merchants on record confirming that I did not make these charges and a third party did. Bank of America clearly did not actually do an investigation. Had they called either merchant they would have been told that I did not purchase these goods or services and that both merchants were charging my card due to a third party not authorized by me. 

Should Bank of America attempt to hold me liable for these charges I will have no choice but to seek legal remedy.

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 2022-04-08
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: Was not notified of investigation status or results

Complaint:
I have alot of inquiries that are not authorized by me and a few other accounts that are not reporting correctly. There is a letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Husband and I have been receiving separate Bank Statements to our home from Bank of America, The account is a Adv SafeBalance Banking Account. I don't know if this is a checking or saving account, but neither of us opened any account with BOA, nor do we have any other account with BOA. We did not authorize these Bank accounts and want to know how they got opened. My Husband had to go through three avenues to resolve and rid his account providing personal information to BOA personnel 3 times to finally get his account closed. I just received my 3rd statement and it has service fees. I want this account closed, deleted, removed and my name taken off any list with BOA. There is XXXX balance other than 2 service fees of {$4.00} each month. 
I don't want to go through a fraud report with BOA which my husband was sent to fill out. I don't want to call and be asked a PIN number so BOA can access my account on the phone. " An account I didn't open, so how can I have a PIN number ''? 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 2022-02-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to XXXX, XXXX and Equifax. I got a response stating that this item was verified. I submitted another dispute letter stating the reasons why this account should not be reported on my credit report and to remove it immediately. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, XXXX XXXX XXXX from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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 have two American Express Business gift cards. One with a balance of {$450.00} and another with a balance of {$250.00}. I can successfully check these balances at the American Express website. However, anytime I try to actually use the cards anywhere, they just get declined. I called them to ask why, and they just said, " I can't use them online, '' even though the card says I can " use it anywhere ''. They even had me " register '' the card by adding my address to the card number, and they said now it should work, but it still doesnt. Most brick-and-mortar places also decline the cards. Now I have a ton of money stuck on these cards that I am unable to access, even though American Express itself tells me what the balance is on them. They are also set to expire in XX/XX/2024. So now I will most likely just lose that money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2023 - The XXXX and XXXX account numbers are not matching and are to be deleted. 
Per 1

5 U.S.C 1681c. ( a ) ( 5 ) delete record due to the high balance do not matching. I pointed out that record is inaccurate and per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer the reporting agencies do not have my written instruction to publish records.

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 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: ProCollect, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 a drop in my credit report happened because Pro Collector listed me as a debtor for a lease I wasn't on, it is not my debt. 

XXXX I called Pro Collector and explained this and sent in my mom 's lease showing that only she is on the lease, I didn't sign on as an occupant or a co-signer as I was living in Minnesota and still am the entire time. This apartment is in Florida. 

I provided proof of residency in Minnesota as well. 

I've seen in past reviews of this company that this isn't the first time they've falsely represented debt on incorrect people.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: LA
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX/ {$29000.00} / XX/XX/2022

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 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a fraudulent debit charge of {$300.00} show up on my checking account on XX/XX/XXXX. The debit was to a gas station in XXXX Arizona. I live in the XXXX area in California. I have no other debits related to anywhere in Arizona. All my other debits are from where I live and work in California. I contacted Bank of America and they opened up a claim, canceled my debit card and issued a credit. Excellent service so far. On XX/XX/XXXX, I received a letter stating that my claim was denied and my account was recharged the {$300.00} fraudulent data. I tried to contact the bank 's fraud department 3 times to try to speak to a live person as to why the claim was denied. I could not get ahold of anyone. I tried a general customer service number and did get to speak to a live person who sent me to the same fraud department which hangs up on you unless you have a new claim. I'm sick of the run around. This is my first fraud claim I have had in 30 years banking with B of A. I at least would like an explanation as to why they denied it. They do state in the denial letter that they denied the claim because : " We didn't receive the information we requested from you or it was incomplete. If you have the information we need for your claim, we request that you send it to us in the next 10 days so we may reopen it. '' Just one big problem : the bank never reached out to me about this claim asking for additional information, no phone call, no letter, no nothing. 

I read the above quote as : Sorry, but we are going to sit on your fraud claim and not investigate for 3 months deny it and say it's your fault and charge back your account, Okay?? 

I am very disappointed that Bank of America can't keep my hard earned money safe and when fraud does happen one time in 30 years they decide to XXXX the customer. How many other people have they done this to I wonder?

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 2020-03-23
Company: Midwest Recovery Systems
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was told by this collection agency that this was my XXXX 's credit card. I told them that was impossible as I was working with XXXX XXXX as a debt consolidator and that my XXXX 's card balance of {$8900.00} was being settled with them. They were verbally abusive on the phone and I gave them the phone number of my consolidator to deal with the situation numerous times. They stopped calling. XXXX/XXXX  is how the Closed Paid account shows. XXXX verified 100 % that this was the same XXXX 's card ( the only one I ever owned ) closed XX/XX/XXXX and opened XX/XX/XXXX. Midwest recovery shows Opened XX/XX/XXXX from XXXX XXXX XXXX for {$8900.00}. I am not sure how they are able to try to get the same money from me for the same account but this is not a new account opened in XX/XX/XXXX. I would never have qualified for this amount in XX/XX/XXXX due to my debt consolidation. This was harassment, and possibly identity theft or at best an account sold to 2 different collections agencies. It is paid and done. I need to get this removed as I have done everything including advise them who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

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

Company 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}

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 2018-02-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
About 2 mos ago i closed a bank account with an overdraft of {$460.00} because it was compromised. The rep took all the info to file a claim to dispute the charges making it overdrawn. On XX/XX/2016 those {$460.00} were debited from my new account leaving me overdrawn, with about 15 pending transactions which will create a {$32.00} fee each for overdraft and no money for the next 2 weeks. I was never notified by any method of this situation until I checked my account online. I have contacted the bank, spent almost 2 hours being transfered from person to person, all saying they can not take accountability because the transaction was " not done through their department. '' The last person I spoke to informed me this was not done trhough the charge off dept ( of course because this was not a charge off ) and that they did not know who had done this transaction on my behalf.

Company response to consumer: Closed with monetary relief