BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am an American citizen but spend a lot of time in XXXX. For the past dozen years, I have been regularly transferring monies from my Bank of America account to an account I have at XXXX XXXX in the XXXX to pay for expenses while in XXXX. This process originally involved talking to a person at B of A, and in the past two years it has switched to an online process. In XX/XX/2020 I successfully did a transfer, but in late XXXX when I attempted a transfer it was blocked by B of A with the message something like " we need to disclose fees at the receiving bank and don't have that information so we can not do the transfer. '' I called B of A and they said they have recently made this change required by Dodd-Frank ( the disclosure used to be " you may also be charged fees by the receiving bank '' which was fine with me ). The B of A person said there was some kind of international data base with such fee information and I should call XXXX XXXX to have them put their information on the data base. I called XXXX XXXX and they said they have never heard of such a data base. So I am in XXXX with no way to continue to transfer funds as I had been doing for the past dozen years. My complaint may be as much about the regulation as about B of A. This may be a case where a regulation has made things worse for consumers -- it was enough to say " there may be fees at the receiving bank and leave it at that. '' Thanks for your attention.

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 2023-07-07
Company: EQUIFAX, INC.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: 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: Old information reappears or never goes away

Complaint:
the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX and XXXX florida defrauded hundreds of students who went to their schools in XXXX florida and XXXX Florida in XXXX, the owner XXXX XXXX stole all the students aid loansmoney and XXXX XXXX us dept of education approved loan money up {$10000.00} and never trained the students the owner of the school went to prision plead guilty, the students never recieved training and had to leave the school and was left with student loans debt they never recieved or the school training, now XXXX the us dept education collection agency XXXX in XXXX nebraka still hold students ' like me accountable for student loans we never recieved or got training for, and damaged our credit reports for student loans, we never used or recieved someone need to discharge and suspend all student loans from these schools due to fraud, theft and illegal school activity from XXXX the owner of the school went to prision and the fbi need to be involved and dismiss all collections by the department of education XXXX student loans, also they required you to be able to typing at 100 wpm after you enrolled in their school but did not state this before you enrolled in their schools

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 2019-08-20
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX   DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my 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 2017-08-09
Company: Southwest Credit Systems, L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX/XXXX/2017 SW Credit Systems reported a Collection account to my XXXX  credit files, once I received the alert I immediately contacted them. I was advised it was for XXXX XXXX XXXX and I advised them it was fraud and needed the fraud department. The gentle man told me they did n't have a fraud department and directed me to online forms to provide to XXXX XXXX XXXX I provided the forms to XXXX XXXX XXXX and the collection agency has yet to remove the account from my credit files though I notified them it is as an result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Home American Mortgage Corp
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are buying a new home through XXXX XXXX XXXX in XXXX, Colorado. When looking at the home, we were told that they had an incentive plan in place that if we used their affiliate Home American Mortgage Corporation for our mortgage, they would finish our basement free of charge. On the contract, they valued this incentive at {$37000.00}. At the time, I told the sales associate that I was uncomfortable with using them without knowing them because I feared for what they could do with our interest rate or points if they wanted to make up for the incentive. We were told that their prices and rates were very " competitive '' by the loan officer we were appointed at that time. We signed the papers, and are now coming up on our closing date. On XX/XX/XXXX, we were emailed by our new loan officer ( our old one who told us their rates were very competitive had retired ) stating that the government shutdown could effect our rates in a positive way. On the XX/XX/XXXX, we were emailed again by our loan officer that the shutdown did not effect our rates in the way that they'd hoped, and to let him know when we have a closing date so we could lock in the loan. On the XX/XX/XXXX, our builder XXXX XXXX XXXX sent an email with us and our loan officers copied stating that we had a closing date of XX/XX/XXXX. We believed that since our loan officer was on the email and told us as soon as he knew the closing date he would lock in the loan that it would be locked in at that point. However, I had to send a follow-up email asking what the rate would be on XX/XX/XXXX. Home American Mortgage Corporation is now stating that the rate on XX/XX/XXXX when the loan was locked was XXXX, which is XXXX higher than what the average rate is today and the rates have done nothing but climb since XX/XX/XXXX. When I asked them for the history sheet of their rates, and compared their rates to the 10 year treasury, they said their history is for internal use only, and that we were not allowed to see that information. Are they really allowed to pick and choose whatever rate they want, even when we have email documentation that the rate should have been locked in on the XX/XX/XXXX and that the rate according to the 10 year treasury on that day was XXXX? We are just looking for information that can help us out in any way since I believe they are trying to make up for the incentive by giving us an astronomically high interest rate.

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 2020-09-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I went to Wells Fargo, on XX/XX/XXXX, to submit an application for a business credit card for my real estate business. I received a call from banker, Ms. XXXX XXXX, notifying me that I have been declined because I am " soliciting too much credit ''. I spoke with the manager, Ms. XXXX XXXX, to explain I have my credit report and it shows two recent inquiries including Wells Fargo so how could I have been declined? She assumed the underwriters may decline someone for 3 or more recent inquiries and she will reach out to them to see what could be done and call me back.

After waiting for a month I decided to return to the bank on XX/XX/XXXX with the two credit reports used by the underwriters in hand and spoke to Ms. XXXX in person. She was able to see my XXXX  credit score was XXXX at the time of submission and that I had 4 hard inquiries within the last 2 years, two of those inquiries were on the same day, XX/XX/XXXX, for the same type of business and one other mortgage inquiry over a year ago in XXXX. Ms. XXXX was unsure why my business was declined and stated only the underwriter knows. I made clear that I am being discriminated against and the reason given does not match the actual facts on my credit report. Ms. XXXX stated she will see if I can file a complaint but I don't expect to hear from them per usual.

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 2019-08-20
Company: EQUIFAX, INC.
State: MD
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:
Had numerous problems filing credit dispute with Equifax. Claim they were concerned with fraud which is so humorous in that they allowed so many accounts to be hacked. Finally spoke to supervisor XXXX on XX/XX/2019. She took my dispute over the phone and gave me claim number and said she would acknowledge opening up discpute by email. No email sent. Tried their dispute automated hot line which  after having to listen to all their ad hung up on me. Did if four times and got a hand up each time. Finally spoke to a rep and supervisor and both refused to send me a note, email, letter of fax acknowledging they opened up a case and the date it was opened. Very reasonable request on my part and they are robots who only read of a list of what they will do even when it has nothing to do with the request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: CORELOGIC INC
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:
OnXX/XX/XXXX XXXX XXXX XXXX (now XXXX XXXX) did a credit inquiry through CoreLogic Credco against my wishes.On XX/XX/XXXX XXXX XXXX XXXX did a credit inquiry through CoreLogic Credco against my wishes.

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 2019-03-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened acct with HSBC bank Wrote a check against my acct The within 20 min tried to deposit money to cover the XXXX and I could not get access through ATM they had not properly set up the acct But when I would call customer service they would tell me your acct is fine Go to another atm to make deposit I did same thing Now they are charging me XXXX dollars in over draft fees Snd the won't return a call

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
2 years ago in XXXX i was contacted by an office which they did provide informatio. Saying someone would be at my house to summon me for the money owed to Ace cash express, for the amount of XXXX made plans to have a payment plan of 3 payment money was taken from my account. Now today XX/XX/2020 i again get a call saying i will be taken to court for the amount i refuse to pay. Was told court date is XX/XX/XXXX but was not informed where, if i owed i would pay but i fix that situation. Either with a creditor or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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 2018-02-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is in regards to the prior complaint that i submitted with this company with you on XX/XX/2018.  The itemization that Wakefield responded back with does not match the balances that are being reported to the credit bureaus. How could you state that i owe something in which i never received service from this company nor have i ever received anything from them. The four accounts that are being reported are account # XXXX for {$950.00}, XXXX for {$680.00}, XXXX for {$650.00} and XXXX for {$890.00}. When this was first provided back on XX/XX/2018 neither of these accounts nor the balance were provided on the itemization! I honestly feel as if this is fraud.

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: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
TCF Bank holds a modification loan on my property as a second mortgage. The payments are not extremely large but being on a fix income and XXXX years old, there are times that the account will become one to two months behind. Every time two payments are scheduled online make the account current, the manager cancels the payment and lock the account. When I asked why this was done, he explained that the payment is scheduled for the XX/XX/XXXX of the month and is required no later than the last day of the month. If I don't receive my pension payment until the XX/XX/XXXX of the month, why not accept the payment scheduled online? The office stated that they will take a payment over the phone and hold it for five days. Well, if you will hold it for five days, why not accept the payment online? Why lock me out of the account completely and cancel the scheduled payment. This has been done to my account twice. Not to mention, the rudeness that prevails when explaining to them that I can't pay until the XX/XX/XXXX of the month. There must be a law against denying a payment especially when it is bring the account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In early XXXX, I told whoever was calling me from Portfolio recovery to stop calling me and to cease and desist all phone calls. I have since received 3 phone calls per week since asking them to do this. They then told me on a call I picked up that they ca n't cease and desist all calls and I pointed out they were in violation of the FDCPA due to the harassment statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I closed on a mortgage refinance with Lakeview Loan Servicing. They had sent ( I believe ) a third party to my house to sign the closing documents. I believe this was a third party because she could not answer any questions I had for her. She did inform someone would be in touch with me regarding my payment information. 

This was a refinance of a loan that I already had with them. They had my loan after my local bank sold it to them. On multiple occasions, I have checked my online account with them. I could only see my old loan information. I contacted them on XX/XX/XXXX but was not given any answers to the questions I had regarding my account. I was told that I have a new loan number, but was not given the loan number. I was told that my payment is due at the XX/XX/XXXX of the month, but have not been given an amount to pay and no way to pay it. I asked about getting my online account fixed but they told me that I needed to add my new account number to my account. As well as not knowing the new account number, it seems as if my account is locked. I am unable to access my account online, I can only log in and see the old information, but am unable to open any of the menu options. I am also unable to make a new account, as it recognizes my information when I try. 

I explained this to Lakeview Loan Servicing on multiple occasions. I was told on XX/XX/XXXX that a representative would reach out to me. I have not received any information from them since that email on XX/XX/XXXX.

I am trying to pay my mortgage. I want to pay my mortgage, but I am afraid they will not contact me and will only send me a notice when they can charge me late fees and hurt my credit.

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 2021-04-29
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in reference to my new Mortgage company Mr. CooperXXXX. Over the weekend, I was hit with a negative {$5600.00} plus dollars in my checking account. Upon checking my account with XXXX, there were 3 unauthorized deductions of {$1400.00} from the mortgage company. I spoke to a customer service rep from Mr. Cooper and XXXX XXXX. The mortgage company indicated that they didn't find out about the glitch in the system until Saturday morning. XXXX assured that all funds would be returned by Tuesday and any overdrafts would be covered. The bank rep also stated that letters would be issued by the mortgage company to be forwarded to creditors. Many of my household bills are auto deducted EXCEPT the mortgage in which I have held for 22 years. Question is : how was the mortgage company allowed to freely deduct monies that were not authorized? They took all of our funds. Our plans for that entire weekend were basically ruined due to this huge error.

Company response to consumer: Closed with explanation