BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: CARD Corporation
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm filling a complaint against card because I had money own my card and it got stolen and some one spent every dime I had own the card then they call and had the card closed with out my knowledge know I don't know how I'm going to get all my money back because I don't know the card number no more they is wrong for what happened then they trying to get rude I'm seeking mediation for XXXX dollars for them not letting me know all these transaction history I feel like they trying to ruin my credit report down the road

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: NE
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:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-09-19
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
This is a follow up to the complaint I filed with you with claim number XXXX on XX/XX/XXXX. Today, XX/XX/XXXX I got notice that PHH finally applied the payment they automatically withdrew from my bank account on XX/XX/XXXX to my final payoff. However, even though I paid off the mortgage through an ACH on the due date of XX/XX/XXXX, in the 19 days it took for PHH to apply my payment to my final payoff of my mortgage, I accrued late fee interest of {$55.00}, even though both escalation agents with whom I spoke on XX/XX/XXXX and XX/XX/XXXX assured me that they would not charge me any late fees because they actually had my money, and it was PHH that held it in an unsecured fund designation and did not apply it to my mortgage payment in a timely manner. The letter I received today via email indicated that {$55.00} has come out of the refund that PHH has designated as the refund they owe me and my husband after my XX/XX/XXXX payment was applied to the loan final pay-off. Today I spoke XXXX at XXXX, an escalation manager with ID # XXXX, and she informed me she needs to talk with the previous escalation manager to try to refund my late fee, that it was not a guarantee I would get that ridiculous late fee returned! XXXX said she would email me back an answer with 24-48 hours. 

In addition, I asked for the automatic withdrawals to be turned off on XXXX when I spoke with the first escalation agent, and on XX/XX/XXXX with the next escalation agent I spoke with. I also put this request in writing on XX/XX/XXXX, and received an email back stating they will put the request in for the stoppage of the automatic withdrawal in 3 days. As of right now, there are no indications that my automatic withdrawals will stop. I was not allowed to turn off the automatic withdrawals for the last 60 days, indicating my account was no longer eligible to do so. I am afraid another {$3400.00} with be automatically withdrawn on XX/XX/XXXX, as I have no confidence in this agency and their fraudulent approach to things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid the wrong person on Venmo! 
Back in XXXX of XXXX I paid an old friend a substantial amount of money ( XXXX ) when it was actually meant to go to his dad! Same last name, same friend group. 
I reached out to the old friend asking if he could return the money but refused multiple requests and chargebacks on Venmo. 
Soon after I realized it wouldnt work I filed a chargeback with my bank who thankfully halted the transfer from my account. 
Now Venmo is sending me emails and letters that my account is overdrawn and I need to pay them XXXX dollars to reopen it. 
I dont want this to go to collections but I feel I have no right to pay this due to the fact I tried everything possible in my power to right the situation including contacting Venmo support who said they could do nothing because we had previously made payments to eachother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received call on Tuesday, XX/XX/2023 at XXXX from phone number : XXXX. I took the call and only said hello. They asked for XXXX XXXX ( my name ) and said I confirmed I was him. They mentioned my address and asked me to confirm. I asked who they were, they said CBE Group. I told them I am unaware of who they are and they said that is why we are wanting to confirm your information. I XXXX them while on the call and saw they were debit collectors. Any outstanding debts I have, I am on payment plans and have been making them on time. I have received no collection notices in the mail. I told them I am unaware of who you are, so I am ending this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My wife and I are both XXXX vets. Our mortgage was sold to XXXX  XXXX from another company. XXXX  XXXX never let us know they had our mortgage until we saw we were late on our credit report. We fixed the past due amount and have been on auto draft ever since. Approx 7 months with this company. Now they are reporting we have missed two mortgage payments all of a sudden and this has never happened. Auto draft is through XXXX XXXX and has come out the first of every month. We have confirmed this with bank statements. XXXX XXXX  has done nothing to correct their screw up after being contacted and admitting their screw up. Because of this we have not been able to get a new car loan and our credit went from XXXX to XXXX. This company should not be allowed to handle veterans mortgages and should be called the gestapo mortgage. XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent {$30.00} ( with an additional {$1.00} fee to PayPal ) to a scammer on accident. I was trying to send a donation to a field scientist conducting research. When I reached out on social media to ask the scientist if they had a PayPal or similar payment app a scam account that looked exactly like the actual scientist 's account replied immediately with their own PayPal email address. Not being aware of this kind of scam I sent the donation and checked the " Friends and Family '' box on PayPal which apparently waives all protections. After sending the money I went back and saw the account was a fake and after XXXX that email address I can see it's being used all over social networks to scam people and has been for months. I contacted PayPal about cancelling the payment or a possible refund, opened a dispute case, and told them all this with pertinent details and they closed my case without any kind of update or solutions. PayPal doesn't let you submit a case specifically about being scammed. PayPal has done nothing in my eyes to remedy this kind of scam is perfectly fine with collecting people 's fees from these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-11-08
Company: ERC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've written several letters to XXXX, XXXX, XXXX  and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-11
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: Account information incorrect

Complaint:
Unresolved Identity Theft Incident Resulting in Fraudulent Charges and Credit Report Discrepancies Dear CFPB Agents I hope this message finds you well. I am writing to express my deep concern and frustration over fraudulent activity that has adversely impacted my credit report. 

A few months ago, I fell victim to an identity theft incident wherein my XXXX login credentials were stolen and subsequently disseminated on dark web markets. This breach led to unauthorized charges on all the cards linked to my Apple Wallet, including a particularly significant fraudulent charge on my XXXX Credit Card issued by XXXX XXXX. 

The account details for the fraudulent charges are as follows : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX The total unauthorized charges on this account alone exceeded {$100000.00}. 

Upon discovering these fraudulent activities, I promptly filed reports with both the local police department and the Federal Trade Commission ( FTC ). Copies of these reports were forwarded to the major credit bureaus Experian, XXXX, and XXXX as part of my dispute process. 

Despite my earnest efforts to resolve this issue and numerous disputes submitted, I regret to inform you that these credit bureaus have yet to adequately address my concerns. Not only has their response time significantly exceeded the 30-day period stipulated by law, but I also believe that a thorough investigation into my case has not been carried out. Consequently, the fraudulent XXXX card is still unjustly affecting my credit report. 

Given the severity of this issue, I am now turning to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you can facilitate a proper investigation into this matter. I am keen to get this fraudulent XXXX card removed from my credit report promptly to prevent further damage to my financial wellbeing. 

Thank you for your attention to this pressing issue. I am looking forward to your prompt response and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1976 SS # : XXXX My phone number is ( 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 explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Under the Fair Credit Reporting Act, I have the right to challenge any information on my credit report that Ibelieve to be incorrect. It's important to me that my credit report is accurate, and I take this matter seriously. While I dispute the claims of delinquency and derogatory information on my account, I request that you provide me with evidence to support your position. Specifically, I would like to see proof that the inquiries and accounts in question have a permissible purpose. I'm reaching out to you today because I'm concerned that this matter has not been handled properly. However, I believe that we can resolve this issue promptly and without any escalation. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Additionally, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting DELETE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, FDCPA Section 807 Violation Misleading False Reporting - DELETE!

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This debt was handled by an attorney the agreement was that XXXX XXXX would remove information from my credit reports and they have not done so

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 2022-12-21
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Since XXXX I had noticed having unrecognizable transactions in my main bank account. As I had always assumed used bill pay to pay bills and make deposits to my acct at another institution, I never had used wire transfer as a way to send funds. Upon my discovery of possible account/identity fraud ; my account with flagstar had received an unexpected zelle transfer that needed a verification and when I questioned it I never received a response nor funds. At one point the account had listed other accts that seemed attached from multiple banks of financial offering and I had sent in a request to the banks I regularly dealt with as well as the transfer company to find out what was linked and about the rare notice. As I never received a response I had just began using the service as I needed to now use the only savings I had because of the fraud I've been dealing with ever since I inquired about the original process of transfer not making sense. As I have made transfers I noticed that bb & t was linked yet, I wasn't aware of this account and have never been notified. Since it seems to me that the original concern has gone unanswered I am attempting once again to get information on an acct linked to my bank via XXXX and find out how long it's been active and why no communication has ever been made. I have already put in another request for acct profile information to offset the increased problem I'm having with getting information on sum thing that thru a verification process ; shouldn't take so much work. It has been a concern that not only is identity theft possible as I have seen information on my birth altered in a way that the situation would assume a laundering of funds that had been filtered by this method as the questions asked when verifying identity would include date of birth. My attention to this was brought on by a XXXX call that said my year of birth was XXXX, when it's XXXX. And with my acct limited access for a long period of time along with finding my phone number being hacked n emails redirected as well as opened with no knowledge, I am researching the situation in a different approach as I feel the original request must not have flagged all the institutions involved.

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 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am a vendor for the Federal CJA in the XXXX XXXX XXXX Pennsylvania. I am paid through U.S. Treasury Company name / BofA business checking account info/ EIN number are all attached. 

Friday XX/XX/2023 - I made a mobile deposit of 6 checks ( images attached ). Each check has an accompanying voucher number/case number/client name etc. ( images attached ) Monday XX/XX/2023 - My Account was closed - no reason given Spoke to " Risk Management Dept. '' 4 times over the a few weeks. I was told they are verifying the checks. 

XX/XX/2023 - Received letter ( attached ) and refund check for {$970.00} ( attached ) from BofA XXXX- I was transferred to the Check Fraud Dept. '' I was told that Hold Harmless Dept. has decided not to release my paychecks back to me.

One or two calls later, I was told that the matter was transferred to the " back office '' at Bank of America and no agent on the phone could give me any more information after that point. 

I have uploaded a PDF file with all the necessary 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 monetary relief
Consumer complaint received 2023-04-17
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had my Citi card for over 5 years and have never had a late payment of 30 days or more. In fact, i have never had any of my bills go 30 days late, this is verified on my credit report. My current credit utilization is at an all time high as I am attempting to sell a house and the costs associated with this process have gone well over budget. I was planning the purchase of a lawn mower so on XX/XX/2023, I paid {$600.00} on my Citi card to free up the funds and earn the double cash back rewards. The very next day, XX/XX/2023, after I paid the money, Citi decreased my Credit limit from, i believe {$800.00} down to {$300.00}, citing random credit checks to deem worthiness. They sent an email that I did not see and was left looking extremely embarrassed at the register in front of a store full of people. The first time I called, i thought I was being transferred to someone who could help me. Instead I found myself on talking to someone from XXXX who was as confused as I was. I called back, only to be screamed at and then hung up on by a Citi customer service rep. The third time I called, I was finally able to get to a supervisor who was unapologetic and cited fine print in the card agreement. I simply find the timing of all this extremely suspicious. They randomly pulled my credit file as soon as I paid {$600.00}? Then, with no warning at all, drop my credit limit and send an email that was buried amongst many in my inbox. Had they been waiting to decrease my limit for some time now but couldn't as it would put me over my limit through no fault of my own? This practice appears very unscrupulous. My credit has been impacted by identity theft with accounts and hard inquiries being opened in my name, in addition to the aforementioned credit usage to sell a house. They were apathetic and unsympathetic to my situation, so I am filing a complaint and requesting a review of the handling of my account. I appreciate any and all assistance in this matter.

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