BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Since XX/XX/XXXX I try you free up XXXX funds that I mistakenly transferred into a new BINANCE US account of mine. Unfortunately, this trading account was never finalized by BINANCE US because my authentication couldn't be verified. Therefore, any crypto transfers or withdraws were restricted. 
I registered this new trading account with BINANCE US under ( XXXX, User ID : XXXX ) on XX/XX/XXXX. 
My old BINANCE US account I wasn't able to access anymore due to a security breach that occurred in XXXX. This account was registered under ( XXXX, User ID : XXXX ) In the process to free up my XXXX funds I found out that my new account XXXX couldn't be finalized because my SS # was attached to my old account. BINANCE US permitted depositing currencies into my old account but restricted any other transactions to either withdraw or trade.

Upon my request BINANCE US customer service established access for me to my old account # XXXX & updated my email ( XXXX ) to ( XXXX ). 
By mistake I transferred XXXX funds on XX/XX/XXXX into my new trading account ID # XXXX. This account should have not been active to receive funds. I notified BINANCE US customer service immediately about my mistake. I was told that the funds would be transferred from my new into my old trading account. 
But this transfer never took place! I relentlessly communicated with customer service to get this issue resolved. But nothing happened in over 6 months. BINANCE US is holding my funds hostage. They know that I can not access them unless they are transferred into my old account which I can access.

At this point I do not care which account will be active. I just need my funds to be accessible.

I can provide email correspondence with BINANCE US customer service agents and the following documents for review : 1. ) XXXX  confirmation dated XX/XX/XXXX XXXX. ) Transfer confirmation with recipient wallet address dated XX/XX/XXXX XXXX. ) Account verification for XXXX, User ID : XXXX XXXX. ) Account verification for XXXX, User ID : XXXX XXXX. ) Portfolio balance sheet User ID : XXXX XXXX. ) Emails customer support from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Please support me in my efforts to gain access to my funds. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, 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:
two inaccurate car loans ( XXXX XXXX ) are reporting under my name these are inaccurate and fraud accounts reporting under my equifax credit file only. i have been sending my police report identity theft report and the FTC report as well, but they have not been helpful at all, please have these irrelevancies removed and please help me as a consumer to needs protection from these bureaus, m have equifax removed these irrelevancies from my credit file thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: SC
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:
This is my 16th 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions 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:
I have an open charge off on my report that has since run its term. The account is with XXXX XXXX XXXX. The amount is approx {$2200.00} and it was charged off on XX/XX/2013. It has run its time of 7 years and needs to be removed.

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 2019-06-03
Company: Rocket Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is about an escrow error that resulted in a county tax  penalty. 

At the time of closing of my mortgage on XX/XX/XXXX, a prorata portion of two county tax bills ( {$1400.00} and {$2500.00} ) was collected for the period of XX/XX/XXXX ( date of closing ) through XX/XX/XXXX. Additionally, 4 months of escrow was collected at closing for these tax bills, and monthly escrow was based on both of these tax bills. 

A total of {$3900.00} was on Quicken/Rocket Mortgage 's " estimated payout '' schedule for XX/XX/XXXX ( this amount is the sum of {$1400.00} and {$2500.00}, both delinquent after XX/XX/XXXX ). The {$1400.00} was paid by Quicken for taxes as scheduled, but the {$2500.00} amount was not, and I was not notified that they did not pay it to the county. Instead, Rocket Mortgage notified me that my escrow was overfunded and returned {$2000.00} ( approx ) to me, without identifying the fact that they had not paid the my tax bill. There was still more than sufficient money in escrow to pay that bill I did mail a check to the county tax in the amount of {$2500.00} to cover the tax, but a penalty of {$260.00} has been assessed which I believe Rocket Mortgage should cover because they collected for the tax at closing, collected for it in the escrow, included it in their payout schedule but didn't pay it and didn't notify me that they weren't paying it. I notified them of the problem and my claim for the penalty amount on XX/XX/XXXX, and they denied my claim on XX/XX/XXXX. They said it was a supplemental tax bill. I did receive a supplemental tax bill ( other than the two listed ) and I paid that. That bill had a different due date. The tax bill in question may have been a supplemental tax bill for the previous owner, but it wasn't for me. If Quicken Loan hadn't collected for it at closing and in escrow and in their payout schedule, I would have paid it because I went online at the county tax records to verify what was due in comparison to what Quicken was scheduled to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This account has not been properly verified for inaccuracies. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Every bureau is reporting a different date of last activity and date opened for this account.

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 2019-08-16
Company: WELLS FARGO & COMPANY
State: FL
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:
In 2015 I was the victim of identity theft and credit card fraud. I had over {$40000.00} stolen from my Wells Fargo bank account and my WF credit card was used by the thieves. I have gone around and around with Wells Fargo with police reports and much more indicating I was a victim of fraud. I was told by Wells Fargo to not pay my credit card while the issue was being looked into. I spent months and years working with Wells Fargo and they have me being 90 days late in 2015 as a result of the information I was given by reps at Wells Fargo.

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 2019-03-07
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified consultants is reporting negative false information to all three major crediting reporting agencies XXXX me. I need copy of signed contract between me and diversified consultants with my wet signature. I have never signed a contract with diversified consultants and do not owe this debt. It needs to cease and desist on any collection and remove this false collection from my credit reports. I also demand any information they have and all statements dating back for 12 months to be sent to me with proof of my wet signature attached. I have contacted this company and they have refused to show proof I owe this debt and have failed to show I have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I asked credit collection XXXX to explain this erroneous debt several times, they havent sent me any letters, my credit repair company or any of my representatives. They claim this was from a company called XXXX, however the times Ive used XXXX, I havent owed them any outstanding balance. I called XXXX  and they said I have no debt with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage consolidated with Ocwen Servicing. As a current Ocwen customer I received information about the transfer of the loan. I received a new load number and was told that my automatic payments would cease. When I attempted to begin automatic payment with PHH I was met with a mired of " Nos ''. They do not offer bi-weekly automatic payments and has an online payment system that does not support bi-weekly payments. They eventually granted me approval for bi-weekly automatic payments, but are not able to document it or confirm ( besides verbally on the phone ). I have spoken to them at least 30 times since they took over my account on XX/XX/2019. When asked about making an internal complaint, those are accepted by the customer service rep you need to complain about. After speaking to several of the customer service representatives, it is evident that PHH is set up to encourage mortgage non-payment/failure, as they intentionally make payment difficult. They intentionally limit payment options to encourage foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
complaint against loan depot. Lender forced flood insurance on the property on XX/XX/XXXX and paid {$2500.00} causing an escrow shortage than now I'm repaying with a {$500.00} extra pmt per month. I provided several times an active flood policy to the lender showing enough coverage and no lapses and called them many times to see when the {$2500.00} will be refunded and deposited back on my escrow. They keep telling me over the phone that it will be soon refunded but still as ofXX/XX/XXXX i am repaying the mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: Performant Financial Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Mr./Ms. XXXX : I am in receipt of your letter dated XX/XX/XXXX. This letter serves to inform you that I dispute the validity of the {$19.00}, XXXX debt alleged by New York State for the following reasons : - My accountant has twice submitted the tax returns in question to New York State ; the original tax due was {$9500.00} and New York State collected a payment in XXXX of {$3600.00}. New York State did not apply the payment to the tax due, therefore applying it in the most disadvantageous way possible to me - New York State Tax & amp ; Finance has been completely unresponsive to my efforts to settle the tax debt for a reasonable sum. They have refused to communicate with me or my accountant and claim, despite assessing the inaccurate, usury sum owed that they are unable to locate my filed returns - I contacted the New York State Taxpayer Advocate for assistance due to the Tax &  amp ; Finance Departments lack of cooperation. They sent me one letter but refused to return multiple phone calls from my attorney and I seeking to provide additional information - The penalties and fees included in New York States assessment are not only usury but violation of the Eighth Amendments protection against excessive fines I am retaining counsel to challenge this matter in state court. I am also, today, filing a complaint against your company with the Consumer Financial Protection Board. Your company contacted me after normal business hours at XXXX XXXX on XX/XX/XXXX. Be advised you are not authorized to contact anyone but me to discuss this alleged debt. You may contact me on at XXXX XXXX during regular business hours of XXXX XXXX and XXXX XXXX Eastern Standard/Daylight time. 
If Performant and New York State are interested in quickly resolving this matter, I will agree to pay {$6500.00} within 30 business days if Performant and New York State release me in writing from any further fines, penalties, liens, warrants and/or collection attempts.

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 2020-05-26
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been charged interest 3 months in a row for the purchases I did not make. They keep charging me interest for {$13.00} as a standard purchase interest for a month where i did {$2200.00} payments and {$0.00} purchases. I called them to sort it out and they say I have to make the payments but my balance has 0 % APR until XX/XX/2020. If I need to pay off my statement balance why is the promotional offer give in the first place with a end data? 
I think this is scam

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 2019-02-24
Company: CITIBANK, N.A.
State: NY
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:
Here is the story Citi Cards XX/XX/2018, XX/XX/2018 they are appearing on my XXXX XXXX as hard inquiry 's but these were soft pulls. I have called customer service when this was done and a few months later and both times they said they would remove the hard pull 's on the following dates. 

I am looking to get these removed off my file as promised. They said would get give me courtesy removal on those dates.

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 2019-05-31
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX
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:
Habitat for Humanity XXXX  XXXX County has listed my account balance the same since XX/XX/2019. I submitted information and documentation to XXXX to resolve submitted dispute for incorrect payment history, continues to report back verified and accurate. 
Habitat for Humanity XXXX XXXX County, I am requesting statement balance as of close of business date XX/XX/2019 to include my payoff balance. I also am requesting the estimated date that my payment made XX/XX/2019 will be submitted and processed. I also would like a written response as to why I I have to contact the CFPB in order to get responses to written request sent certified mail with no answer.

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 2023-06-24
Company: Cascade Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already sent this company a letter to validate this claim that I have any contract with them. The company did not provide any information staying that I have any contract with them. So they has deleted this account from my consumer report. Also this company has many names that go by trying to be confusing to consumers that wrote me again try to collect on a debt that I do not owe to them. They are breaking the laws of the CFPB/FTC I have a right to privacy as well as a consumer. I also sent the a cease and desist letter and they still decided to break the laws by contacting me about debt I do not owe them I have no contract with them I will sue them if they decide to keep this up its a XXXX per volition. I will go to small clams court and get Remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Trident Asset Management, L.L.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Wednesday, XX/XX/23, I received a notification about a derogatory mark on my credit report. It came from Trident Asset Management via XXXX XXXX in XXXX, Texas mentioning I owed a balance of about {$180.00}. I have never lived nor traveled to Texas in my lifetime this is truly a case of identify fraud. This is the second time that Trident Asset Management has placed a derogatory mark on my credit report in less than 1 year. I called Trident Asset Management and explain to them once again I was a victim of identify fraud and they mentioned they will remove it from my credit report. I am not certain to why this continues to happen but I need this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit control corporation calls several times a day either looking for my wife or myself about a debt that we have no idea about since it is not on our respective credit reports. I have no collections on my credit reports so I do not have any idea what we supposedly owe since our bills are always paid ahead of schedule.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
B of A wants to change additional {$2.00} from they already charging

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I need some information about the predatory lending that went on with XXXX XXXX XXXX. I have never heard of a XXXX degree that cost XXXX. When applying at another college they would not accept most of my credits. My credits will not transfer..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX I got hit with a hard inquiry on Inquiry from XX/XX/2018. 
I had spoken with this company and when I asked for a increase that it would be a soft pull because I didn't want any hard pulls on my credit, they told me would be no hard inquiry once i noticed there was one on my XXXX XXXX I contacted them right away. They said they would give me a courtesy removal as long as I make my payments which I have been doing. I had called them again Around XX/XX/2018. I never signed any documents giving any permission for a hard pull and would just like the courtesy removal as promised by there customer service team and sales reps.

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