BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: CHARLES SCHWAB CORPORATION, THE
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened Investor Checking account at Schwab on XX/XX/XXXX. I also helped my wife to open 2 accounts at Schwab a few days later - Investor Checking and Roth IRA. I linked my account to all other my accounts, transferred XXXX dollars into it to prevent it from unexpected closing and setup direct deposit. My first direct deposit didn't come to account because it was suspended. I called Schwab 8 times to know what happened with my account and how I can help them to resolve this. I called them on XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times ). At first they said that my account should be verified and asked my personal info. I provided it. Then they said that my account was verified, and everything is ok and it will be unfrozen soon. Then they said that they can not check the status, then again. Then they added my phone number into XXXX list, I tried to call them 3 times on XX/XX/XXXX and everytime call was interrupted right after establishing connection. Right after that I called them from my wife 's phone and I was able to connect to them. This time they said me that my account was terminated because of " business decision '' and I can not restore it in any way never. All these times they promised me to call back and tell the status, but they never called me back or communicated to me in any way. Last time they promised me to send me a check with my money, but they didn't do it either. And today they suspended account of my wife. I know that my case was reviewed/processed by XXXX XXXX from Schwab enhanced security team, I was said about this during some of the call. Last time I called them I asked to talk to manager. And manager promised me that she will personally start an investigation and will let me know the results of it in a week. She never called me back or communicated to me in any way. Schwab 's offices are currently closed, I tried to setup an appointment via their website a few days ago, but no one called me back. I want that Schwab conduct investigation and tell me the reason of account closure, because I don't want to get some other account closed at some other financial institute by the same reason. I want to get my money back. I want to get my wife 's money back as well.

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 2020-12-14
Company: Synovus Bank
State: SC
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:
There is two accounts with First Progress that was pay to delete. However the creditor refuse to handle the account accordingly pushing me to the collections that collected the payment. XXXX XXXX advise to First Progress on 3 way that they aren't the Creditor who have a communication with the reporting agency, First progress is. Leaving me on the phone with First Progress I had to call several times where my last call the rep place me on hold and hung up after 8 min on hold. I've tried to get this resolved but they refuse to take charge as a Credit. This account has been verified fully, its closed and have been paid in full. One of the rep lied trying to say I owe over {$400.00} I told him he need to reevaluate my account because its paid in full and supposed to be removed. The XXXX report before she left told me he's giving you false information, you called two different time paying the balance in full XXXX and XXXX, but she don't have communication to the bureau to have it removed, First Progress does but refusing to help you. Not only will they do their end they trying to collect more money from me that I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: PLANET HOME LENDING, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get help with a modification since XX/XX/XXXX I was a month behind and after i started asking for a modification help it got 3 months behind so they will not take payments Now I am 8 months behind and can not afford to catch up so they put a Sale date on my home of XX/XX/XXXX and say it is a FHA loan and will not be able to help me till XX/XX/XXXX and that will be to late the reason I got in trouble i was off sick for almost 2 months but I have showed them ever since I do make the money and need to keep my family home of 20 years they told me to sell it and that will not work the house is not even worth 1/2 what is owed on the house PLEASE HELP ME KEEP MY HOME ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 between XXXX and XXXX ET, I received notification from Wells Fargo that my personal and business checking accounts will be closed due to unauthorized money transfers into the accounts. I was also informed that I may not  make any withdrawals from these two accounts and that the debit cards linked to those accounts are deactivated. On XX/XX/2018, I went inside my nearest branch to inquire about the account closure. None of the bank employees could provide me an explanation as to why the accounts will be closed and why withdrawals are blocked. I called the XXXX loss prevention number to inquire further and was informed that the unauthorized transaction was a XXXX XXXX   international wire from an individual named XXXX XXXX and that a check of the account balance would be mailed on XX/XX/2018. No more information was provided. I demanded copies of any court orders or legal proceedings and was denied. I can not access my funds for emergency purposes and I have a business account that requires me to refund customers when needed.

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 2020-11-09
Company: Sequium Asset Solutions, LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector XXXX ( FOCUS RECEIVABLES MANAGEMENT ) put in my XXXX and XXXX credit report a debt collection for {$560.00} from XXXX. I dispute the collection in XXXX and XXXX for the reason that I've never had any service from such a company neither requested any service at all. XXXX investigated and delete the derogatory mark but XXXX still there. I search for XXXX ( FOCUS RECEIVABLES MANAGEMENT ) online to verify the authenticity of such a company but they don't have any website. In the XXXX XXXX XXXX, this company has a D- and it's no accredited by XXXX ( link Below ). 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America keeps calling saying I have an account with them which I do n't. They asked for an account number,

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 2020-12-14
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions 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:
I am a victim of identity theft

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 2018-09-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage accoun was approved for Streamline Modification on XX/XX/XXXX. Yesterday I received my XXXX payment back and OCWEN 's portal is now saying modification was not approved. My monthly payment {$700.00} was enrolled for Monthly Automatic Draft on the XXXX of every month and has been in effect since XX/XX/XXXX. 
Ocwen has been auto drafting my monthly payments. Yesterday I received XXXX payment via check dated XX/XX/XXXX. My account on XX/XX/XXXX was showing next payment due XX/XX/XXXX. Today my account is showing next payment due date as XX/XX/XXXX with {$350.00} due but the monthly automatic draft is still in effect for XX/XX/XXXX. My principal balance is incorrectly showing as {$180000.00} when debt was discharged in bankruptcy. OCWEN reported to the government in XXXX form XXXX a Cancellation of Debt in the amount of {$110000.00} and in XXXX form XXXX Mortgage Interest Statement reported my mortgage principal as of XX/XX/XXXX {$65000.00}. I also pulled my credit report from XXXX  and XXXX and my mortgage which I've had since XX/XX/XXXX is not listed or being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2018-06-26
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company sent me a fake XXXX XXXX notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for XXXX XXXX, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXBalance : {$2500.00}

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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On transUnion File XXXX and date issued XX/XX/2018. 
The Names reported were XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX- I am NOT XXXX XXXX XXXX XXXX 

t The report shows telephone numbers that are wrong XXXX XXXX, XXXX XXXX XXXX the report shows the following wrong addresses.Addresses that are incorrect XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Credit bureau dispute. False late payment reported by creditor to bureau. Error in their statement and billing cycle. Would like a updated past due history on account. Error by creditor not willing to correct in violation of the FCRA. Effecting loan applications for home purchase. Want removal of late fee from credit report not a request to validate. Have constructive payment history, signed up for auto pay, theyve returned my late fees but wont report to credit bureau of error in system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a PayPal account with {$740.00} that I cant access.XX/XX/2021was the last transaction I was able to make. After that they froze my account saying I can I longer use PayPal and that I have to wait 180 days to get an email informing me how Im supposed to be able to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I want my 3 checking account and 2 savings to be remained opened as usual and also allow access to my funds as usual. If this isnt rectified, I will get my lawyer involved to have access to my 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 explanation
Consumer complaint received 2020-11-20
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This began when I noticed that the balance on my vehicle had a very drastic jump in the balance. In XXXX of this year there was {$16000.00} owed, but in XXXX Volkswagen said that I owe {$25000.00}. {$9000.00} was added to the balance in just 3 months! Rightly shocked I reached out to Volkswagen and asked for an account ledger because I needed to know where these charges came from. All I received from them was a payment history notice. Not what I asked for. I immediately reached out and again asked for an actual itemized ledger. I still had no idea where this {$9000.00} came from. Instead of sending me the ledger, they repossessed my car in XXXX! I then had to pay {$10000.00} to get my car back. I am in absolute shock and extremely frustrated at how Volkswagen can repossess my car, and at the same time, never even explain to me what these excessive charges are for. Included is the payment notice from Volkswagen. Also the receipts from when I had to pay to get my car back while they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: SYNCHRONY FINANCIAL
State: PA
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:
You have the wrong social security number for me you have reports by American eagle and XXXX  that should not be on there I never requested a credit report on them I never had a Verizon  account in my name

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 2018-07-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX - I filed a fraudulent dispute when several transactions posted on to my account from XXXX XXXX 

I called between XXXX XXXX about the status of the claim and was told I would get credit that Friday from those transactions. 

I called again XX/XX/XXXX, and was told it was still pending ... 

I have not received any documentation from US Bank regarding my claim - and it has been over 45 days and my account is still negative. 

I was told credits are posted in 10 days from the time claims are filed.

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 2018-06-26
Company: Action Financial Services, LLC
State: IL
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 defaulted on two student loans. I made a payment agreement with one creditor for voluntary payments. Another creditor, Action Financial Services, was threatening to garnish my wages if I did not make an agreement with them. I tried several times to contact Action Financial Services, but the department I needed was never available. I tried to contact them on XX/XX/2018- Phone system was down. Tried to contact them on XX/XX/2018, XX/XX/2018, and XXXX department was not available. I did manage to talk to someone on XX/XX/2018 who stated that they needed proof of my husband 's income. At the advice of a lawyer, he advised not to give my husband 's income because it was not his debt and it was a debt before marriage. On XX/XX/2018, I fax them my financial documents and on XX/XX/2018 my wages were garnished. On XX/XX/2018, I received a phone call from the collector asking about my husband 's financial statements and wanted to come up with a payment agreement. I advised the caller that they were not going to get my husband 's financial information and they are already garnishing my wages, so I was not sure why they were still calling me for payment. I mentioned to the caller that wage garnishment has put my in a hardship and I was looking for a second job. The caller stated that it is federal loans and if I quit my job then they would track me down at my next employer. I was willing to work with them to get a payment plan, but they are difficult to get a hold of and even after garnishment they will still harass you for payment.

Company response to consumer: Closed with explanation