BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I secured a manufactured ( mobile home ) loan through Bank of the West. 

Besides the typical mobile home insurance required for my loan, I have been required to also maintain flood insurance. 

This had never been of issue until XXXX when Bank of the West first informed me in XXXX of that year, they had not received the required flood insurance. I followed up immediately by having my insurance broker ( XXXX XXXX ) fax a new copy to the Bank of the West Escrow Department. 

On XX/XX/XXXX, I received an email from Bank of the West ( dated XX/XX/XXXX ) they would be placing a forced plan on my loan. ( See Email 1 ) I immediately contacted XXXX XXXX and they followed up with another email to Bank of the West ( see Email 2 ). I also followed up ( See Email 3 ). XXXX also followed up on XX/XX/XXXX ( See Email 4 ) On XX/XX/XXXX I received notice Bank of the West HAD placed flood insurance on my loan. ( Scan 1 ) This time, I went to the branch where we originally signed loan documents in XXXX and spoke to the branch manager : Bank of the West XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX directed me to her Senior  Relationship XXXX XXXX XXXX ( same office ) who took all my information and informed me she would get this resolved. Later that afternoon, XXXX phoned me and said everything was taken care of. 

Until XX/XX/XXXX when everything happened again. 

I contacted XXXX through email and received the following response ( email 5 ) When it appeared this was not taken care of and I was still seeing the increased payment on my loan ( from the original {$1600.00} ) to now {$1700.00} I sent another email. This time, XXXX replied back saying, It will adjust the next billing cycle which is XX/XX/XXXX. I guess we were too close to the billing cycle cut off when the changes were made. ( see email 6 ) On Monday, XX/XX/XXXX, I sent a final email to Bank of the West that it was still not corrected and that if I had not heard from the Escrow Company, I would be placing a formal complaint. 

Which is what I am doing now 1. Bank of the West continues to not recognize I have the required flood insurance 2. Bank of the West is now deducting additional money for flood insurance I have already paid for 3. The local branch office has ceased communicating with me

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 2023-05-31
Company: Capital Asset Recovery INC DBA Jacobson and Wright
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was contacted by Capital Asset Recovery dba Jacobson & Wright in XX/XX/XXXX regarding an alleged account that I owe to XXXX via phone for an amount of approximately XXXX XXXX. I asked Capital Asset Recovery dba Jacobson & Wright to provide validation of debt and they have not done do. They have continued to email me at work and also contact my family via their cell phones. I do not owe any debt to Capital Asset Recovery dba Jacobson & Wright and never had an account with XXXX in the amount of XXXX XXXX There is an account on my Credit Report from XXXX, from XXXX, that has been Charged Off in an amount of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have contacted GDAX and COINBASE multiple times over the last 6-8 weeks and I have gotten nothing done.Even after contacting the CFPB. nothing has changed, My assets are still locked in the GDAX account and I am not able to access them or have yet to receive any explanation why my assets have been frozen and are unaccessable. I want to know why I am not getting any response and why my account is still locked. I got 2 emails saying they are working on it but nothing has been done in over a month. Can someone tell me whats going on. this company will not tell me what I did wrong or what the next step is. I'm getting completely ignored by them.I want to be able to trade again and I would like my account opened and accessable to the money I put in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet containing my card was lost in a XXXX ride on XXXX XXXX. I used XXXX XXXX to purchase something at a XXXX store before returning home. Upon getting home I noticed my wallet was missing. I went to my online BOA account to lock my card immediately when I realized that my card had been used at a XXXX XXXX  ATM and someone withdrew {$990.00}. ( My push notifications were on, however, BOA has yet to fix debit card transaction notifications, although I've brought it to their attention before. They tend to come hours after the transaction was made. ) I then called BOA to report the fraudulent activity. I was given a claim number, and I was told to wait 7-10 business days for a decision regarding a provisional credit. Fast forward, my claim was denied on XXXX XXXX. I provided the agent I spoke with ample details about my claim. I'd also like to note that I tried to follow-up about my claim on XXXX XXXX and the agent said she escalated the claim and that someone would reach out to me shortly to no avail. I never received any correspondence about my claim with BOA since I initiated the claim. My claim was grossly mishandled and minimized.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Unsure of the exact amount but know I am missing money. Over charged by all sorts of fee. And moving my accounts when I didnt ask them to

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 2020-07-28
Company: Resurgent Capital Services L.P.
State: LA
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:
I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX XXXX XXXX XXXX # XXXX LVNV FUNDING LLC # XXXX XXXX XXXX # XXXX I've never did any business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, Experian, XXXX and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX XXXX. 

Sincerely, 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 2018-03-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I received my credit file from Equifax/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and Equifax Confirmation number XXXX.Equifax investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX XXXX and is now called XXXX XXXX XXXX XXXX for XXXX XXXX in XXXX XXXX Michigan for auto repair and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from Equifax as well as XXXX and XXXX   , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that Equifax, XXXX and XXXX should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my Equifax file and she stated that the closing date is not in their system but the last activity XX/XX/XXXX.I know this account is more than 10 years old.Therefore, equifax investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: GA
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:
Equifax, XXXX and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Capital One Account # XXXX opened on XX/XX/XXXX is listed as current when it is closed and it is also listed as legally paid in full for less than the full balance, when in XXXX of XXXX I paid off and closed the account with a promise that the account would be deleted. The account was deleted until I applied and was approved for a card on XXXX XXXX XXXX. I applied for a card with Capital One knowing I was in good standing. So after a year and a half Capital One decide to put this negative account on my credit report for some unknown reason. Im asking that this info be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: EQUIFAX, INC.
State: UT
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 have sent several letters to all three credit reporting agencies requesting that the Bankruptcies that are reported on my account should be remove do to the fact the the federal courts do not report any of this information to them. They receive this information through a third party. Upon ordering a copy of my credit report, I see two entries listing Bankruptcy Chapter # XXXX   one in XX/XX/XXXX and one in XX/XX/XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.. 

I have sent three letter to the credit agencies and have never received anything back again under the FCRA they must send validation with in thirty days of the dates of the letters. I have also call the credit agencies and still do not know if the have put a dispute on the account because they have not told me but I do know that they have not removed the Bankruptcies Chapter # XXXX. Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate.. The agencies have found information on bankruptcys through third-party research. 
I would like to have the name of the person that has worked this case and copies of letters they have sent me. Because I have the copies of letters Ive sent then but no reply but a copy of the credit report Dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
My husband and I recently tried to refinance our home through XXXX XXXX XXXX. Our loan agent pulled a credit report through XXXX XXXX XXXX and the numbers on the report had to be wrong. The report showed a credit score for XXXX for my husband which could not be accurate since XXXX currently shows all XXXX and no reporting history for my husband. A complaint was filed with the CFPB under XXXX. When my credit report was pulled the report also showed numbers from all three agencies even though my XXXX   credit report currently shows all XXXX  for me and no reporting history. A complaint was filed with the CFPB under XXXX. Obviously, there are issues that need to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately 2. This inquiry was made without my knowledge or consent. 
XXXX Date of inquiry : XX/XX/XXXX Please delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
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:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an attempt to collect a debt on behalf of XXXX XXXX ; by the agency of Fair Collections and Outsourcing ( FCO ), the account has a balance of {$7100.00} dollars and was opened using XXXX XXXX maiden name without her consent at an address where she does not nor as has ever lived. A formal dispute of this account was mailed certified with return receipt to FCO XX/XX/XXXX ; FCO failed to acknowledge the dispute. A second dispute was mailed XX/XX/XXXX again certified with return receipt to FCO this time for an unauthorized inquiry into my clients credit report. FCO did confirm the issue was resolved however ; a recent credit report order and reviewed XX/XX/XXXX still lists the FCO account and inquiry on the report AFTER the account was know to be cleared as an issue of fraud. This continued reporting of this account is a violation of the FDCPA and FCRA and my clients consumer rights.

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 2020-10-31
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I noticed that Comenity Capital Bank had placed several inquiries on my credit reports in the last 12 months ( XXXX, XXXX, XXXX, XX/XX/2020 ), which I did not apply or show interest to open a credit card with them nor authorize them to pull my credit information. 

And the most recent inquiry was a hard inquiry with prefix code ( XXXX ) on the XXXX credit report. I did not apply for the card or any other cards from Comenity Capital Bank. 

I called the company Customer Care Department and spoke to the Account Protection team at XXXX PST on XX/XX/2020 to confirm no active/pending applications with my SSN. Then I requested them to correct the inquiry on my credit report, they refused and told me to contact the credit bureaus. 

I found that Comenity Capital Bank is using my credit information in improper ways : 1. I did not give consent or submit an application to open their credit cards, how did they get my information? ; 2. They did not take responsibility to investigate further whether this is a fraud situation ; 3. I requested a way to stop using my personal information in the future, I was advised that there is no such policy in place ; 4. When I requested them to correct the hard inquiry, they refused to take responsibility - The Account Protection Rep was saying that they won't pull credit info without an application. I did not submit an application, if this is a fraud or someone is trying to submit the application on behalf of me, with my score is over 800, they should be able to open a new credit card account successfully. But, I only see new inquires from Comenity Capital Bank and no new accounts are opened. So logically speaking, this is more like Comenity Capital Bank just pulls my credit information in the last 12 months for marking purposes or for preapproval applications instead of identifying theft. It doesn't align with what their Account Protection Rep claimed that they will not pull my credit info without an application. They are trying to get more business and using my information in an improper way but refused to take responsibility to correct it. 

I suspect that Comenity Capital Bank has used my personal information for marketing purposes in an improper way. When I tried to look for further information, their reps just not educated enough to provide me any satisfied or factual answers. All I was told is to contact the credit bureaus directly, one by one, to find out and investigate the situations.

Company response to consumer: Closed with explanation