BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18, I initiated a wire transfer from my account as HSBC USA to my own account at XXXX XXXX in XXXX for {$35000.00}. I logged into my HSBC account and initiated the transaction using a template that I set up in XXXX when I successfully transferred {$70000.00}. 

On XX/XX/18, the funds had not arrived. I contacted customer service and they confirmed that such a transfer should only take 1-3 business days. I was then told that my relationship manager had to provide additional information. This struck me as strange as I had no relationship manager ; had never been contacted by a relationship manager ; and that this was never a requirement in the past. Eventually, the representative took the required information on behalf of the non-existent relationship manager - the information was the exact same information as the wire instructions. The only additional information I supplied was the branch number, information that XXXX XXXX assured me was not necessary for funds to be delivered. HSBC said the funds would be wired that day. 

On XX/XX/18, I called again and was told that there were security issues and system issue so that the funds had not been wired, but that they would be wired that day. 

XX/XX/18, I called again and was given a series of excuses why the funds had not been delivered, but that an investigation was underway. 

After XX/XX/18, the communication switched to email ( attached ). I have been emailing the relationship manager and customer experience team ( who is in charge of the latest investigation ), but all email responses have ceased since XX/XX/18. I have called both teams, but no one picks up the phone. 

Conclusion : my account was debited on XX/XX/18 for {$35000.00}. As of XX/XX/18, the funds have not been delivered to my account in XXXX and HSBC is unable to tell me where the funds are. And HSBC does not respond to email or phone calls any more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Attempting to complete a short sale on the property due to the amount being over the current amount valued. Caliber Home Loans is not allowing for the short sale to commence nor be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with XXXX # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

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 2018-02-28
Company: EQUIFAX, INC.
State: NC
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:
Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After pulling a copy of my credit report I noticed Westlake financial on my credit report. i then disputed this with the credit bureaus after noticing inaccurate information being reported. under my social security number. i have attached a copy of my letter demanding deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello My name is XXXX XXXX and I am a XXXX born citizen. I have been working for XXXX XXXX XXXX XXXX for over 20 years. 
Wells Fargo and XXXX  XXXX XXXX closed both my checking and savings accounts for no reason what so ever and with no explanation. 

I truly believe they closed my accounts due to my last name -I am being discriminated against!!!

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 2018-07-13
Company: Avant Credit Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello, I am writing this complain because Avant denied my application for a loan with them for the simple reason that they " couldn't verify my identity ''. This is the explanation they give me with no explanation on why they didn't request more documentation showing my identity. I feel they discriminated against me because of my name, ( XXXX ). I contact them several times to explain how come they didn't ask for more information but their customer support wasn't helpful at all. They only gave me two options, either wait for another 30 days to see what their resolution department will respond or re-apply for the loan. This is not acceptable. My resolution is for speak with real person about this situation. Their process and customer support is the worst I have experience in my life time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my house, and currently having trouble receiving the correct pay off letter from my current loan service provider Specialized Loan Servicing LLC. When the original request was placed by XXXX XXXX ( XXXX ), the new mortage company, the Pay Off letter they received had the escrow funds applied to the principlal, as an arbitrary decision by XXXX. Since the letter was received i have called several times and requested the pay off no to be inlcuded, as this funds will be used to pay my taxes and insurance in XX/XX/XXXX and i will use as part of closing cost. 
On the first call XX/XX/XXXX, the XXXX representative indicated that this is their policy, and i indicated that i disagree as the Escrow money should not be commingle with principal payments. The representative review with their manager and approved the exeption. ( XXXX was the agent name ). 
On the second call XX/XX/XXXX, a place a tree way call including XXXX rep XXXX. The XXXX rep was unwilling to help me and hang up the call on us. 
Third call i requested to speak with Manager, XXXX ID XXXX, she indicated that first request was denied, which i was never told an approval was required, and that she will submit a second request. 
I have been contacted by XXXX that still Pay Off letter is pending an my refinance lock rate is expiring ... i really want this XXXX company to be reviewed as this seem to be a Consumer Predatory Practice. 

XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX P XXXX F 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 2022-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The complaint is about a {$1000.00} loss on XX/XX/2022 from our Wells Fargo Checking account due to thieves fraudulently accessing our online account, changing the login credentials, and sending themselves {$1000.00} through a XXXX transfer. We provide a 24-page PDF documenting the incident and follow-up with Wells Fargo, but the principal points are that : 1 ) Wells Fargo offering email as 2-factor authorization ( a known vulnerability ) and the XXXX platform itself ( an unaccountable transfer mechanism used increasingly frequently by fraudsters and criminals ) is part of a larger pattern of corporate impunity by Wells Fargo. And 2 ) The unserious documentation provided by Wells Fargo concerning IP addresses and logins amounted to a self-vindicating whitewash. 

I learned too late that a corporation that hurts others ( robo-evictions in the great recession, and the accounts scandal ) will hurt me if I stay long enough. I am going to a credit union and shunning banks that use XXXX, and urge others to do likewise. 

( Note that I am uploading 24 jpg documents in addition to the PDF because the PDF consistently showed as corrupted when I attempted to examine it after uploading to the CFPB site )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are breaking the law and I want them to remove the items I disputed XX/XX/2021 its been over a month

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 2018-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX is not license in the state of Georgia but they or still reporting to credit report and attempting to collect a debt that is not mine and/or is a result of identity theft/fraud. On XX/XX/2018 i have mailed a fraud package to XXXX XXXX XXXX ( PRA ) showing that that account they are reporting and attempting to collect on is not and was not the account i held with XXXX. In this package were several bills i paid to, as while as a collection letter from another debt collector showing my account number, which does not match PRA. I have asked that they remove its listing from my credit report, as i have gone above and beyond to show that PRA reports is in error and inaccurate. I also provided a copy of the police report file showing that my identity was stolen and used in prior years. To date i have not heard back from PRA, but it reporting still remains on my credit report as a valid debt when it is not. XXXX   XXXX XXXX XXXX is not license in the state of Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have a recorded phone call, XXXX XXXX XXXX XXXX  contacted me on Monday, XXXX XXXX, 2018 at XXXX on a cell phone XXXX. When I asked the representative to identify the company she refused. I never verified my identity. She stated she could not release the name of the company. I asked her not to call me, i told her this is a cell phone and she does not have the consent to call me, and she responded that she will not remove my number and they will be calling me again. I asked for a supervisor, the supervisor came on the line and released his name and the mini XXXX without me verifying any information. I told him to remove me from the list and that I will be sueing the company if they did not remove my number because it is illegal for them to call my cell phone without consent. He said he will not remove my number and argued with me about removing the number. When I said I would sue the company he responded " You have enough money for an attorney but you can't pay this little XXXX XXXX? '' Again releasing personal information to an unverified party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian credit report agency online document submission option is not allowing me to submit my dispute supporting documents. I have tried multiple times to submit supporting document on my disputing items with this agency report. On XXXX XXXX, 2018 this credit report agency had me on hold, when called them by phone, for XXXX hours. My documents where not accepted because their upload website is automatically timing out when I hit submit.

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 2018-04-03
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted the loan company ( XXXX XXXX XXXX ). in XX/XX/XXXX and XX/XX/XXXX. I was hounded by the company to sign my son up for student loans. when I was told that my son could not sign for the loans. I was told when I signed that this was a federal loan program using state money and that upon graduation the loans would rollover into the federal loan program and my son would sign for the loans and I would not be the co-signer. They Lied. When I signed the note in XX/XX/XXXX I asked for a copy of the documents. I was told that they would send them to me. XXXX   XXXX XXXX did not send me a copy. 
I made payments on his loans until XX/XX/XXXX, when XXXX XXXX XXXX sent me a letter telling me because my son had received a XXXX XXXX degree in XX/XX/XXXX, they would not except further payments because in the contract I signed, but never received a copy, there was a clause that if the student received a XXXX XXXX degree the loan would be for 11 years instead of 20 years. I asked for the paperwork for the change in the contract and an accounting of what I owed and a payment schedule. I never received that accounting and payment schedule. 6 months after I received the notice to stop payment I was told that I was in default. I called many times between XX/XX/XXXX and XX/XX/XXXX and I received many phone calls all with the same nasty message that if I did not pay in full they would ruin my credit.XXXX XXXX XXXX never sent me an accounting of my debt. 
XX/XX/XXXX I was working for the XXXX XXXX with a XXXX XXXX clearance. I have had credit since XX/XX/XXXX and never defaulted on any loans. the end of XX/XX/XXXX I had an interview with clearance personell. XX/XX/XXXX I was told that I had until XX/XX/XXXX to fix my credit problem. I call XXXX XXXX XXXX to resolve the problem with the same nasty people threathing me and my family. I retired because XXXX XXXX XXXX ruined my credit and I was unable to work because I lost my XXXX XXXX clearance. In in XX/XX/XXXX I received summons papers from an attorney representing XXXX XXXX XXXX. My original debt was around {$74000.00}. The summons has my current debt around {$200000.00}. To this date I have not had an accounting on the co-signed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: AES/PHEAA
State: MA
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 submitted multiple complaints ( including documentation ) to XXXX, including one previously through the CFPB, on this one issue. XXXX lists my current student loan at XXXX XXXX XXXX  as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a savings account with CapitalOne 360. On XX/XX/2018 they transferred {$170000.00} out of my savings account into an external account belonging to my wife that doesn't even have my name on it, and subsequently closed the account. They closed the account because I apparently exceeded the maximum 6 transfers per month out of my savings account in two consecutive months. Instead of calling me, or perhaps blocking my 7th transfer, or even texting me, they decide to unilaterally close my account and arbitrarily transfer the money into an account that happens to be linked to my checking account even though that had no idea who it belonged to. What if it was my contractor 's account, or what if my wife and I were divorced? This qualifies as downright gross negligence to me and I strongly urge you to penalize CapitalOne to the greatest extent possible. 

I called CapitalOne and their Manager acknowledged " this part of their process needs to be refined ''. Are you serious???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: WI
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 XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XX/XX/XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the national credit Bureau. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted XXXX XXXX XXXX On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are Inquiries reported in my credit report and I have never authorized to run my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018 XXXX XXXX XXXX, Credit Card Division requested a balance transfer which was an error. I spoke to XXXX XXXX customer service who instruction me to contact Bank of America on the electronic error of {$1800.00}. Supposedly, XXXX stated I needed to contact Bank of America to correct error and have them send back the money to my account. I did that and later received a letter of confirmation of them sending the money back. I called them a second time about the transaction getting back into my XXXX XXXX account. The rep stated that the money must go back to the account it came from and will be held in 7- 10 days. Nothing happen so I followed back up after XX/XX/XXXX and called again. Different rep ( XXXX ) and did some research who stated the money is going to mt business checking acct with XXXX XXXX, which is not back on my Visa credit card acct with XXXX XXXX. Again, expect 7-10 days. Nothing again and I called XX/XX/XXXX and spoke to XXXX with Bank of America, now she is telling me they are mailing me a check. I called again because of the mixed message of funds being released and where, plus received another letter XX/XX/2018 stating they mailed me a check but never cashed. Well, my wife and I check our mail daily, but never received anything. So, I believe Bank of America reps are lying and flowing money to make interest!!!! Another problem, the last two calls I ask for an XXXX or Department manager on the Escalation Division, but not able to or nor did any rep call me back after they said they would research with more information. Still have not received my money and it's XX/XX/XXXX now!!! The contact information in the letter is the following : Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX XXXX XXXX, XXXX, case numbers XXXX and XXXX. 
If consumers are smart don't do any business with Bank of America. Poor consumer service, will tell you lies to get you off the phone, have no integrity and honesty. Bank of America is to big and do not care for consumers!!!

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