BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: PHH Mortgage Services Corporation
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, a wire check in the amount of {$120000.00} was sent to PHH Mortgage from XXXX XXXX  to close out my loan with them. 

On XX/XX/2019. PHH Mortgage withdrew {$1000.00} from my checking account to cover a payment that should not have been made as the loan had been paid in full. 

I contacted PHH and XXXX XXXX  on that day to voice my concern. XXXX XXXX from XXXX XXXX  has been working with a person named XXXX from PHH to resolve the issue. 
PHH claims that they never received the wire transfer and has yet to resolve the issue. 
It has now been 5 business days and I have not been reimbursed my {$1000.00}. 

You can reach XXXX XXXX from XXXX XXXX  at XXXX XXXX at PHH XXXX Myself XXXX XXXX XXXX.or XXXX My Account number at PHH is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I filed for unemployment on XX/XX/2020. At that time I chose to receive a debit card for my disbursements. I never received the way to go card in the mail. When I called the XXXX to check my account, it says I have a positive balance of XXXX. Since I had not received the card in the mail, I changed my disbursements to direct deposit. I now receive my weekly allotments in my checking account. However that XXXX is still in my XXXX account. I have tried to contact WAY to GO numerous times to notify them that I never got a card, however the automated system will not allow me to get past inputting a pin number. I do not have a pin because I never received a card. You must have a card to create a pin. There is no number option for my particular dilemma, and I have been unable to speak with a live person. The XXXX says they can not transfer the funds to my checking because they have already been issued to a card. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CARD Corporation
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I lost my wallet on XX/XX/23. In my wallet I had my Prepaid debit card, Identification, and {$80.00} cash. When I arrived home later that evening. I realized my wallet was missing. I immediately called customer service to block and order a new card.I then became aware of 4 unauthorized charges had taken place while my card was lost. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I last used my card at a XXXX for {$5.00} earlier that same day. That may have been where I lost my card. I followed the customer service representative 's instructions and completed the form that was sent to my email. I did so in a timely fashion. I followed all instructions. I soon received my replacement card and a few days later a credit was put into my account. However, when I attempted to use my new card my card was blocked. I called customer service and was told " I was given provisional credit '' but my case was denied. ''????? what sense does that make? I keep calling and no one can give me a good reason why I can't have. access to my money. I followed the bank instructions by reporting my card lost within 12 hours of losing it. I filed a dispute promptly, and my case has still been denied. Will you please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Information belongs to someone else

Complaint:
My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXX On The B Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed Atlcapbkself Installment Closed XXXX Installment Closed Self / Lead Installment Closed Deptednelnet Installment Closed XXXX XXXX XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX Installment Closed XXXX XXXX Credit card Closed XXXX/XXXX Installment Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information

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 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX it's reporting this saving and checking account as loan that's incorrect it should be reported to XXXX not into TransUnion.

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 2019-06-07
Company: EQUIFAX, INC.
State: MO
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:
Spoke with two XXXX rep, also disputed with Equifax and XXXX  and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two XXXX representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against XXXX for violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Spoke with two XXXX rep, also disputed with XXXX and Transunion and advised I have inaccurate accounts on my credit report. I advised that the accounts have been disputed on their website as well as letters have been sent into their office. I advise that the letters advise them of my rights and request that they provide me information about how they conducted their dispute investigation or delete these account immediately. All of my attempts and request has fallen upon deaf ears and no action has been taken on their behalf. I advised them that it has been past 30 days on all disputes. When I spoke with two XXXX representatives, I let them know this, also requested a supervisor and was transferred to a different department and was advised no supervisor was available. I have requested these unverified accounts to be deleted from my credit report and this hasn't been done, its been while over 30 days. I've sent them a 3rd and final letter notice, to correct credit report or legal matter will be taken against XXXX for violating my rights as a consumer.

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 2020-02-17
Company: DISCOVER BANK
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019 I saw a check for {$10.00} on my statement which I did not recall writing ; so, I called Discover Bank and the representative said he was going to close the account because there was suspected fraud. He did not even check to see that it was an automatic withdrawal, not a check. That is why I could not pull up the image. He closed the account without my permission causing an automatic payment to Discover credit card to be returned because the account had been closed in error.

I have made repeated attempts to get the bank to admit its error because Discover credit card reported me delinquent to the credit bureaus. Neither of them were agreeable to correcting my credit report which was lowered because of the delinquency.

I had adequate funds and overdraft protection on the new account also. Both accounts are Discover ; so, all Discover Bank needed to do was to change the account number and pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter

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 2020-11-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX U.S.C. XXXX, XXXX C.F.R XXXX. See Also XXXX C.F.R XXXX ( b ) In accordance with FCRA, Section XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX ) XXXX ( XXXX ) {$0.00} balance 120 days late XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) {$180.00} XXXX  XXXX XXXX ( XXXX ) U.S. Department of Education ( XXXX ) {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

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 2021-08-09
Company: U.S. BANCORP
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:
Essentially, I do not have access to my mailbox currently. I have not been able to make payments because I didnt know who my lender was. I did not receive any emails or calls ( when I found out who my lender was through XXXX yesterday, which is USBank, I called USBank and found out they had my wrong email ). 

I have paid off the entire payment in full and now setup auto payments, but I do not believe any of their employees have contacted me via phone and since email was wrong, I did not get any notification of who my lender even was to pay my mortgage to. 


They are unwilling to reverse the delinquency charge. My credit score dropped 150 and this will effect me for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, so this not about a specific company per say, but an individual who claims they can give you more money than what you paid ( ie pay {$100.00} and get {$500.00} ). I paid him over XXXX with my Wells Fargo account with 4 separate payments of {$200.00}, {$100.00}, and {$200.00}, on XX/XX/2020 and {$250.00} on XX/XX/2020. Not only did he promise me immediate results ( how Id be able to get {$4000.00} by only paying {$300.00} ) he kept making me pay more and more under the guise that Id get my money back. He never gave me my money back and said he couldnt and never gave me anything at all. His XXXX is XXXX ( I also have many more screenshots of the conversation if 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 2020-11-18
Company: Experian Information Solutions Inc.
State: FL
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with Experian and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with XXXX and XXXX, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Experian must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-10-23
Company: BROKER SOLUTIONS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I reached out to XXXX XXXX XXXX a Senior Loan Consultant from New American Funding ( NMLS # XXXX ) in search of a mortgage. Before ending the conversation, XXXX XXXX requested that I upload personal information before moving forward in the process. After forwarding the documents requested, a week had gone by and I haven't heard from XXXX XXXX. I decided to give him a call, and during the conversation he became very apologetic and began to tell me how busy he was with other applications in that he would begin working on my application very shortly. Well, as of today, I haven't been contacted by XXXX XXXX at all. I'm also worried about the personal information which I uploaded, and the Hard Inquiry I received from New American Funding after requesting a copy of my credit report. 

XX/XX/2020 date of request Hard Inquiry : XXXXnew American Fundin XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: FL
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with XXXX and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with XXXX and Equifax, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( XXXX ) and XXXX ( Equifax ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Date of Occurance : XX/XX/2020 Times of Phone Calls : Call 1 : XXXX XXXX eastern standard time Call 2 : XXXX XXXX eastern standard time Date of both calls : XX/XX/2020 Violation of FDCPA Subsection 806 article 5. 

Second Violation : Article 6 : Failure to give meaning disclosure about the nature of the call. 

Description : Agent failed to identify themselves and their purpose unless it was me personally and even then failed to until I confirmed who I was. Didn't even say something as simple as a debt collection attempt.

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