BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$5200.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was taken to the junk yard. I wanted to keep the car so I continued to make the payments however, the vehicle was picked up from the junk yard without my knowledge and without any notification and hauled away. The car was reported as a repossession. When I learned that the vehicle was taken, I immediately went to the junk yard and spoke with the office manager. She told me the car was reporting as only a temporary repossession and that since I was making the payments my credit report would not be in jeopardy. I was making arrangements to have the car given back to me, but before the paperwork was completed the vehicle was sold at auction without any notice. The vehicle was sold for more than what was owed and therefore there is not outstanding balance due to report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I visited the Bank of America at XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. My purposes were simple : 1 ) update my mailing address, 2 ) pay off my auto loan. 

I gave the customer service representative my driver 's license so that he could enter my address into the BOA system. After he finished entering my address, I paid off my auto loan ( {$6100.00} ) immediately. I was told that the title would arrive within 2 weeks. 

On XX/XX/XXXX, I checked my BOA online account and found out that my mailing address was wrong. I called the customer service and was told that my car title was already mailed on XX/XX/XXXX to the wrong mailing address. 

I went to the Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX again, and asked for help. They refused to apologize, nor did they offer any help ; they just gave me the BoA customer service number! I still couldn't receive my car title even though I have already paid off my loan. 

It was their fault, and I can't believe this is how BOA serves its Premium Rewards Platinum client, who has been with the bank since 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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently ran my credit and noticed the below accounts on my file that are not mine. I have attached an IDENTITY THEFT report with this dispute letter.

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: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020 {$3000.00} Cash was accidentally sent when attempting to check money transfer status in Xoom. Same amount was sent again. Attempted to contact multiple times within 30 minutes to cancel transaction. By the time I got a response 30 minutes had passed and they said to use a different email. When I finally used the requested email they said there was nothing they could do as the transaction had already processed. I let them know that I had attempted to contact them multiple times right after the transaction happened but all they said was their records indicated the " correct '' email requested after 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
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: Information belongs to someone else

Complaint:
There is an account reporting on my credit file that is not mine. It appears on all three bureaus it's with a company by the name of XXXX XXXX for a medical provider named XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX so this can not be mine. I have disputed it with the bureaus over 2 months ago and they never responded, yet it does appear on my XXXX XXXX. I did supply all the proper documentation that the bureaus requested and they have not even responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Harris & Harris, Ltd.
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:
My husband and i moved. My sister who was going to continue to rent the property we were leaving. I call and had the electric turn off att the old place and turned on at the new. My sister called them back and said she was me and had the leave the electric on at the old property. I did not agree to it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
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. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.

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 2020-05-29
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XXXX  XXXX  gave me prepaid card it stopped working after 2 days.it is literally impossible to each via phone or online the prepaid company.viaphone puts you n hold an hour than hangs up on you. online system keeps tellin me to call

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 2023-02-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance.I didnt take original loans with Navient. I want proof of everything they gave me a fee for or reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 National Credit Systems , Inc sent me a letter claiming that I owe an " alleged '' debt. Scanning over the letter, I noticed National Credit Systems , Inc violated many of my federally protected consumer rights. 15 USC 1692c ( a ) states " without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given written consent nor gave permission for National Credit Systems to communicate with me in connection with an " alleged '' debt. No consent equates to Identity Theft. I have since replied with a letter to cease and desist all communication with me pursuant to 15 USC 1692c ( c ) and to pay attached invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: ECMC GROUP, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have a paid collection with ECMC for {$250.00} back in XX/XX/XXXX. I thought my mortgage company paid off my XXXX XXXX, so I thought back in XX/XX/XXXX. then in XX/XX/XXXX XXXX XXXX contacted me and said I owed {$110.00} along with 2 years in payment coupons. I called many times speaking to reps in another country, they just kept saying I owed the money but could n't tell my why. after about 8 months of fighting with XXXX XXXX, XXXX XXXX then " charged off '' {$250.00} and sent me to ECMC collections. I was finally done dealing with these idiots and paid off the {$250.00} in XX/XX/XXXX. I have been writing to ECMC to please update my credit report to " paid '', instead they are listing my credit report as " failed to pay ''. I just pulled my report on XX/XX/XXXX and they now reported me as 120 days late in XX/XX/XXXX. I feel all this is in retaliation, I even have a letter stating " paid in full '' is n't this illegal? BTW, my credit score is in the XXXX 's however this false report to XXXX has cost me the best possible refinance interest rate, showing that I have a serious delinquency.

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: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan with SLS have had numerous complaints with them messing up our escrow account.. after last complaint they billed me for XXXXcents that I was " short '' in my escrow even though they hold two months cushion. I ask to have the escrow account removed from the loan so there would be nothing further to worry about .. they sent me a letter stating they were denying my request and that I had to keep the escrow for the life of the loan .. This loan is at XXXX LTV and a conventional loan .. I should have the right to cancel the escrow and I feel at this point they are just being completely retaliatory with me. these people are unbelievable and should not be able to treat people this way.

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: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company RECEIVABLE PERFORMANCE which I hold NO CONTRACT with has attempted to collect a debt I DO NOT OWE! They have put this collection against my SSN in the amount of {$1300.00} I have asked for verification of this debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT THIS ACCOUNT BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX  IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY

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 2018-03-02
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
webster bank is harrassing me about a debt i dont owe XXXX 2015 i was in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had an Bank of America ebanking account with no monthly fee. In XX/XX/XXXX I received a letter that said the account was inactive and would be considered abandoned. My debit card and online access were XXXX by the bank. I mailed the reclaim form as instructed and also made calls in order to reclaim the account. My online log in attempt failed and the website required me to call. The phone line of Bank of America has always been automatic. When I finally spent over an hour on calls, tried all option combination and reset the account access, I found that the account was converted to a different type with $ 12 monthly fee. I was charged every month until my account balance was below zero. During those months, Bank of America didnt send me any mail of the change, didnt send new debit card, my old debit card and log in to online statement was XXXX. 

When I called Bank of America on XX/XX/XXXX about this issue, they told me if I leave money with the bank, they can do anything. I submit a request to the client care email, they called me on XX/XX/XXXX and told me they dont need my acknowledgement to change my no-fee account to an account with fee, after they put my account as abandoned and I made the reclaim request. It was my responsibility to check my account change online even they XXXX my log in. If cant log in I can also know the checking account fund requirement on their website, even that was not my account type. 

Hope   Bank of America could credit the monthly fee and recover my account to {$80.00}. Thank you very much for your 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 2023-04-14
Company: CVB FINANCIAL CORP.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Good Morning.. my dears at Consumer Financial Protection Bureau.. greeting On or Around XX/XX/XXXX I contacted Citizens Business Bank Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX California XXXX XXXX To Open Account for Me, And Add the funds obtained From processing my judgement XXXX, No reply Received from Citizens Business Bank until today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Self Financial Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid for services on self and it really misled me and I didnt know it understand what I payed for and they wouldnt let me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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 went to file my taxes and I was told by my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$3000.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX  XXXX {$0.00}

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-11-03
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I registered for a Citi Priority Package. The definition of the package was that there was a checking account and savings account linked which required a minimum balance requirement. If there was a change in the account type this package would impact eligibility for the promotion. 

After completing the promotional requirements I closed the checking account and have kept the savings account open. 
The bank is now charging me a fee for the savings account based on the account package. However their definition of package included a checking plus savings account, therefore I no longer meet their criteria for the 'package ' and therefore should not be charged the monthly fee for just the savings account alone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I believe my interest rate is way too high for my truck loan this has begun in XXXX XXXX of 2022

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 2020-11-26
Company: WELLS FARGO & COMPANY
State: NV
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:
On XX/XX/XXXX, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, WFB BD CRE add a hard inquiry on my credit report per 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 2020-11-03
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware of this account. I never got a letter, notice, call or anything. I need to apply for a loan and saw it on my credit. I have contacted this company multiple tines, attempting to get information. I can't get a reply. I faxed the company on XX/XX/XXXX - since then COVID 19 has made life hard and my credit is still being hurt by this account. Even though they wont respond to me they have verified this account as accurate and it is still on my XXXX  report. They keep updating every month - it was just updated XX/XX/2020! This is ruining my life and I want it removed from the credit reports .I pay my bills. I would not ruin my credit over something less than {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation