BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To my horror on XX/XX/XXXX I saw that my account was negative and assessed multiple NSF fees. 
An error in the XXXX XXXXpp, account, or site ( Im on chat with them now ) resulted in their ACH being sent through to this account causing the NSF. 
The XXXX XXXX XXXX payment was an error, but was not their fault and is valid and will be taken care of with deposits ASAP. I am not contesting that NSF fee, but I am asking for compassion in reversing it along with the errant XXXX NSF fee. 

I know that this is not your fault by bank error, but I really can not afford this added expenditure at this time and I will try to bring the account positive ASAP, but I need your help. 

Anything that you can do to mitigate and resolve this issue would be greatly appreciated in advance!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was involved in a scam where I was mislead as to where my money was going. I was told I was sending money to a moving company because I had just moved into the area. I sent them {$1000.00} to move a couch through XXXX. The XXXX I sent it to was XXXX. The number that was contacting me from this scam was XXXX ( XXXX ) XXXX. I reported it to my bank on XX/XX/2021. This was the day I was supposed to get my couch moved. The day I reported it I was told my money was transferred to a XXXX XXXX  but no other 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was fraudulently opened in my name with Bank of America in XXXX of XXXX There were several XXXX transactions that took place. I was never alerted of an account creation or transactions and was unaware of the account until I received a statement in the mail. I immediately contacted Bank of America and was informed it takes 90 business days before closure of the account but a hold was placed on the account. I contacted the checks system and activated identity theft measures through my credit card company. I also contacted all three credit bureaus.

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 2022-05-04
Company: Aldous & Associates, PLLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a phony balance in the debt collection agency Aldous and Associates PLLC. I took up the phony amount in small claims court in XXXX and the magistrate dismissed the case. I spoke to an attorney after about appealing the decision but they let me know it wouldn't be a good idea. The attorney agreed that I was done wrong and that I had a case but it would be difficult to win. The first time this company contacted me was XXXX of 2021. At this time I told them I had an attorney involved in which they got the information for my attorney but never contacted them. Prior to the court date I requested in writing the amount that is in collections and it came after the court date happened. Since XX/XX/XXXX I have received 8 phone calls from them and they left voicemails 7 times. After the 8th call I decided to block the number from calling me. The last call before I blocked them was yesterday XX/XX/XXXX. The amount in collections is {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

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 2021-09-23
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i initially had XXXX invested in coinbase XXXX app. They allow you to make deposits through ach bank and loan you the money in advance. my bank reveersed a deposit for XXXX on XXXX, XXXX PST, Coinbase completed the transaction by processing your XXXX XXXX for {$1.00}, on XXXX, XXXXXXXX XXXX, Coinbase completed the transaction by processing your XXXX XXXXt for {$350.00}, and lastly, on XXXX, XXXX XXXX, Coinbase completed the transaction by processing your XXXX XXXXt for {$500.00}, which brought your balance down to {$1800.00}. 
the remainder balance was locked in I couldn't transfer it out even though i hade paid what i owed. they said they finally released my funds on the XX/XX/2021. come to find out when the are holding my account on lock again even though I had paid I attempted to transfer out until the XXXX i still couldn't transfer out my funds. only allowed to trade. I invested again in XXXX XXXX " stablecoin '' the XXXX cents totaling to XXXX tokens. that very same day they disable the coin completely remove it from listing causing the value to drop significantly not allowing my to even access my balance than completely disappears. when it reappears in valued at XXXX my XXXX  was now XXXX and to this date I sill cant access what is left of my investment. the restricted sell buy trade and transfer functions. They responded to my with a blunt robo helper that the matter is being investigated still it been about XXXX days since. I've also reached out to XXXX as well they redirected me to your agency. This is my complaint file on XXXX : XXXX : :XXXX I am honest  man. a husband father of XXXX. I just want to recover my money. This is to disciple and evil of a rug pull they did. i know im not the only individual who got scammed. their XXXX account is full of its victims. i appreciate your support and thank you for your contribution to our communities

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: RSI Enterprises, Inc.
State: AZ
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:
On XX/XX/2023 I submitted a dispute to XXXX regarding an improper collections reporting on my credit report. I submitted a letter from my health insurer indicating that the collections was pending a claims payment and I was not responsible for the payment. The collections agency is improperly reporting the claim even though they are aware that I am not responsible for payment and my insurer is paying the claim. I spoke with an XXXX agent on the same day to confirm that I submitted the dispute and paperwork. XXXX resolved the dispute on XX/XX/2023 and stated the collections was accurate. I am not sure what else to do as I submitted everything showing that I am not responsible for the collections. XXXX 's site does not allow me to locate the contents of my dispute and I did not receive a copy of my dispute for my records. XXXX continues to report the collections even though they were provided the necessary information to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX 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 2023-06-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Today, I called SPS Mortgage and spoke with relationship manager XXXX and informed her that my XXXX XXXX and XX/XX/2023, payments for XXXX and XXXX Principal and Interest only of {$200.00} were wrongfully posted under unapplied balance. Her response was that it would take XXXX days to correct the error, that is unacceptable. I stated that I spoke directly with a customer service agent on XX/XX/XXXX and made the XXXX payment and then scheduled the XXXX payment for the next day, XXXX XXXX since the agent stated that they could not take XXXX payments on the same day. XXXX was firm and stating that they send them to the payment department who in turn post it. That sounds as if the payment department decides how they want to allocate my funds, which is false, I decide. Also, they report erroneously to the credit reporting agencies based on their inaccurate decisions. Why as a consumer am I making payments to have SPS mortgage payment department servicing my loan for them to do what they want with my specific payment request ( XXXX )? This is not the first time this has occurred with SPS Mortgage Servicing , Inc. chooses to give excuses for their misconduct in handling my mortgage payments. I have yet to get my escrow account corrected from where they misappropriated funds that I clearly requested to me added to my escrow account over 8 months ago. Refusal ongoing in both areas gives false balances, false monthly statements, false narratives, false credit reporting and all this damages me as a consumer. This ought not be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
Debt collector IC Systems re-aged an account and added it to my credit report on XXXX XXXX, 2021. The account is being reported as 2 months old when in fact it was previously reported by IC systems, then removed from my report.

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 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX and Out with a balance of {$23000.00}, XXXX XXXX XXXX with balances of {$240.00} and {$320.00}, and lastly XXXX XXXX XXXX with a balance of {$890.00} has 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my equifax account I realized there were unauthorized hard inquiries on my account. I sent a certified mail to Equifax with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The certificate mail indicates the mail was delivered on the XX/XX/2022. A follow up call to Equifax on countless occasions to get an update and they repeated lie that they did not receive the letter. 

The accounts involved are as follows ; XXXX XXXX XXXXXXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name XXXX 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.

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 2023-05-04
Company: EQUIFAX, INC.
State: NV
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 reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XXXX XXXX XXXX  Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 around XXXX, I walked into XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX and initiated a wire transfer in the amount of {$24000.00}. I am an account holder at XXXXXXXX XXXX 
The wire transfer was to a Chase Bank Checking account. I was told that because I was initiating the wire early in the day that it would be received the same day by the beneficiary. 
The wire was never received that day so I called XXXX XXXX XXXX XXXX XXXX and spoke with the teller XXXX that initiated the wire. We went over the account numbers and confirmed that all the information was correct. The teller XXXX promised to call me back after she did more research. About 30 mins later she called me back and confirmed that the wire was sent and that she had a Federal Reference Number relating to the wire transaction. She gave me the Federal Reference Number and I gave it to the the beneficiary. 
The beneficiary called his bank the same day while I was present, and spoke to a banker by the name of XXXX XXXX from the Chase Bank XXXX XXXX Location. 
He told her the situation and gave her the Federal Reference Number and she placed him on a brief hold. When she returned to the phone, she told him that no wire has been received and they have no record of a wire being sent to them and that we should follow up with the sending bank. 
I couldnt understand this at all and this is the basis of my complaint. Somehow the wire I sent is missing and I dont understand how {$24000.00} just comes up missing when I have proof that I sent the wire and all the details were correct. The {$24000.00} has been debited from my account and now I am out of {$24000.00}, and the money has not been received by the beneficiary. 
On XX/XX/XXXX the beneficiary still had not received the wire so I called XXXX XXXXXXXX XXXX XXXX XXXXXXXX and requested a wire recall which they did not allow me to do because they said the money was received by Chase Bank which Chase Bank is saying it has not been received. 
I am asking that my {$24000.00} be returned to the beneficiary or to my bank account. The Federal Reference Number is listed below and the wire transfer receipt is attached as well.

Company response to consumer: Closed with explanation