BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited {$2900.00} in form of XXXX XXXX money orders into my bank of America account XXXX. I was advised at that the time my account would be credited the next business day by the teller at the XXXX tx branch office. On XX/XX/XXXX the bank risk department decided to close my account without warning. 
The reasons give me was I had two return checks on my account from closed account. Now I have been a customer of bank of America since XX/XX/XXXX and hadn't one return check prior to these two items. 
Then I was advised that may deposit will not be release until XX/XX/XXXX. I demanded my money be released. After few hours on the phone the bank decided to release {$340.00} of the {$3200.00} dollars that was in the account. 
I need help to get the rest of money release from Bank of America. Help Help!!!!

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 2019-01-07
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:
XXXX XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Apple reuses to resolve my complaint about a fraudulent transaction with an apartment complex, I have provided them proof and ask for this to be resolved several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXXI was informed that my father XXXX XXXX had a reverse mortgage from XXXX XXXX XXXX XXXX and then I received a letter from the above bank I since have dealt with 4 banks and 3 attorney 's and bankruptcy to finally fine a copy of my daddy 's original loan from XX/XX/XXXX. I was led to believe my father owed {>= $1,000,000} dollars when the bank only lent my father $ XXXX.XXXX XXXX was sold to XXXX XXXX XXXX and they were sold to XXXX XXXX now XXXX XXXX is the investor and XXXX is the Servicer who replaced XXXX XXXX in XXXX Tx. last summer I was in contact with XXXX   escalations department and able to establish a short sale where I could sale the house 3rd party to my daughter XXXX XXXX who is a XXXX XXXX with the XXXX XXXX XXXX XXXX district. My daughter signed all the disclosures only to find out the lender wanted gave her alone for {$390000.00} when the loan pay off was XXXX we ask XXXX  to allow us to find another lender. they agreed right before the holidays  to allow another broker. On XX/XX/XXXX. I found out the short sale letter expired and my realtor was out of the country in XXXX on an emergency plus the government shut down is not allowing me to contact hud to make them aware of all this confusion. I called XXXX XXXX and I have not received a response and my daughter who is XXXX is ready to close within 2 weeks on a house we have lived in 53 yrs. This house is our family home and I have a XXXXyr old aunt who lives with us we need help with this mortgage servicer asap. the bank wants to foreclose knowing we are closing on a loan with the government shut down there is a major conspiriacy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX XXXX telephone company has a subsidiary that offers television service called XXXX. They allege that I opened an account with them between XXXX and XX/XX/2020. They sent a report of a debt of {$1000.00} dollars to the 3 credit bureaus that affected my credit history in a negative way. On XX/XX/2020, I contacted the XXXX XXXX XXXX XXXX company to clarify the situation and let them open a fraudulent account in my name. They sent me an email. where they requested sentitive information that I did not want to provide me in which address the service was provided. Im a XXXX XXXX ( XXXX XXXX XXXX  ), and I drive all over United States. The address I use to receive my correspondence is my brother 's address. Most of the time I live in my truck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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: Information belongs to someone else

Complaint:
US DEPARTMENT OF EDUCATION has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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: Information belongs to someone else

Complaint:
Dept of Ed/XXXX  violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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:
XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My husband and I are cosigners for my son for his first student loan taken out in 1999. He changes jobs every 3-4 years and gets behind on the payments. My husband and I are on XXXX XXXX XXXX. XXXX XXXX/Navient has been servicing this loan since it went into repayment. When he gets behind, like he is at this time, 2 months, Navient calls us incessantly. We receive calls 6-8 times a day, 7 days a week. Once a day, they might leave a voicemail. It instructs us to call a XXXX number to talk to an agent. Whenever we actually answer the phone, we get the same recording, no human. After a week or so, they change/spoof another number that shows up on our caller id. It 's my understanding that they are not to call just to harrass. These calls are being done to harrass because 1. there is no human to talk to as required, if we answer the phone. We must call them to another number to talk to a human. 2. Since their computer system recognizes the voicemail system and leaves a message, then the first call of the day should leave the message and no other calls should be made. It is plain and simple that the computer is programmed to call repeatedly simply to harrass since you ca n't discuss the loan issue with anyone unless you call them. 3. the calls are also obviously programmed to harrass as we will get a call and as soon as the voicemail answers, their computer hangs up and re-dials immediately. They often register as being made within the same minute. I can print out a copy of the phone logs for the past month from my XXXX XXXX account to substantiate this harrassment claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the calls started on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX then it stopped. It wasn't until XX/XX/XXXX is when they started calling more than once. I've received phone calls once every 3 to 4 days and i already told them I'm a stay at home mom on XX/XX/XXXX so when i have money to spare the balance will be paid. Sometimes i get calls multiple times a day, the calls have been made on these days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2022-02-04
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I had been using Xoom to transfer money to the XXXX for friends ( or so I thought ) that had been impacted by the pandemic. On XX/XX/2021, they closed my account. The only thing I can speculate as a reason is that one of my recipients may have been fraudulent. Their termination notice said : " Sending transactions to a recipient who has violated the User Agreement can also affect your ability to use Xoom. '' As a consumer, I have no way of knowing this information in advance and due to a lack of transparency, there is no information to prevent this happening in the future. I have only sent small amounts to a variety of friends, typically in the range of $ XXXX {$200.00}. To the best of my knowledge these were all individuals and I had no suspicion of an criminal activity. 

I experienced this type of problem ( account closure ) with other remittance companies. In each case I had no indication of the real reason that the account was closed. If there are indeed " recipients who has violate the User Agreement '' then shouldn't Xoom ( at the very least ) provide a recipient verification service to let me check if a recipient is valid with Xoom. As a consumer, I don't have access to millions of transactional records to verify that a recipient may have violated their terms of service. 

It is indeed possible that I made some other error/violation of their agreement. Without transparency about the reason for closure, I am likely to repeat the inadvertent violation with another remittance company in the future. I am would like to use the service, but they stated that the closure is not eligible for any appeal process. Given that their is no appeal, I feel that there should be some transparency about the closure process. 

This closure occurred on XX/XX/2021. I had my account closed by XXXX  other remittance companies XXXX XXXX XXXX was XXXX of them ) and there was a similar lack of transparency about the reason for account closure. I have never sent large amounts that would cross into the realm of money laundering but that is the only other possible reason that I could speculate for account closure. I am retired and living on social security, so I don't have a source of funds that could be laundered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Southwest Credit Systems, L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SouthWest Credit Systems Has attached an unknown debt to my credit report. I do not have an account with Southwest Credit System and I do not have an account with XXXX. Please remove this wrongful account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: EQUIFAX, INC.
State: TX
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:
All incorrect information on my credit score before and after I bought a home And my credit score gone downhill lower than before some of the credit cards I stop using them and they still try to collect my money it very sad and frustrating! I try to make my end meet for my family and XXXX little boy but they keep messing with my credit score it make my process to buy a home very challenging because of high interests base on my credit score! 
All I want is a fair treatment Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: DISCOVER BANK
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My wife received a Court summons in XXXX County Tennessee. The summons was delivered by a XXXX County Sheriff Deputy today, XX/XX/2019. The summons was stabled to several documents. A Copy of A litigation letter from professional, XXXX XXXX, for Discover Products Inc. ; representing Discover Bank was notarized by a XXXX XXXX In Ohio. Attached to this letter is a printed copy of a report from U.S. Department of Defense ; Manpower Data Center is signed by XXXX XXXX, Director of Manpower Data Center. 

My wife isnt XXXX XXXX, and she has never worked for a government agency, and especially not The Department of Defense. 

The letter written by XXXX XXXX states that Discover Products Inc is granted access to Department of Defense record keeping computer systems and regularly is allowed use of this record keeping system. 

XXXX County General Sessions Court Discover vs XXXX XXXX Court date is scheduled XXXX XXXX at XXXX. 

Why did Discover Bank contact the Director of Manpower? 
My wife is a civilian, so Why should Discover Bank contact DOD? 
Why did Discover Products Inc contact DOD? 
Why does Discover have regular approval for using the Manpower Database?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX,, Yes I Did Received A Very Postive Respone From Wells Fargo Bank about Some Of My Complaints,, Last Letter sent was Mailed To Me On,, XX/XX/XXXX,, Still Needs More Work,, Plus, Now In Question,, Title Deed,, Mortage,, ( Deceased Parents )? Ect,,,,

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 2019-01-07
Company: Southwest Credit Systems, L.P.
State: DE
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 sent a letter to Southwest Credit Systems and disputed the item with XXXX on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Information belongs to someone else

Complaint:
XX/XX/2022 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate, seventh request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.

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 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When i received my credit report on XX/XX/2019 i noticed fraudulent accounts or accounts that i did not authorize so i made a police report and i also filed a complaint with ftc and i'm following up with you guys because my current grievances wasn't met.

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 2020-06-23
Company: EQUIFAX, INC.
State: TX
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 called XXXX XXXX XXXX  to change internet location because I am buying a new house. I made sure to ask and make sure they were not doing any credit pulls, they said they wouldn't. They lied and did one anyways. Now I have a hard inquiry for changing my service address with them, and Its ruining y ability to close on my new house tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In respone.to complaint # XXXX. I was called mutiple times during work hours requesting information. I replied and was directed to a bank manager and was informed that she was sorry about the issue and was nothing in her power to resolve my issue. I feel cheated and bullied by this bank.

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 2022-02-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have disputed a debt multiple times including XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX via electronic and certified mail. Experian has maintained that the debt was " verified '' having sent no original contract, no signature, nothing of substance to validate this XXXX debt on my credit report belongs to me. In each of my written communication with Experian, I have requested that I receive an original contract from XXXX XXXX ( the company who placed this on my report ) I have not received anything. This is impeded my progress and ability to gain credit, job opportunity etc. 
Experian has maintained this debt was validated yet no proof was given, it has been over 120 days since my initial dispute.

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 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. The credit bureau has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.

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 2017-07-26
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report

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