BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am with Bank of America. They have XXXX  built into the app. I thought it was a service very similar to XXXX/XXXX where if fraud occurs you can cancel the payment. It also advertises it as being secure. Which BOA having a contract with them makes it feel very secure. I was frauded on a concert ticket sale. The Confirmation number is XXXX. The amount was {$60.00}. Perhaps BOA should have a more reputable app built within their mobile platform one that has similar security to that of 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 2021-10-31
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have tried to resolve with merchant in regards to a reduction in XXXX from my balance from one day to the next with absolutely no transaction occurring or document. The end of the XX/XX/2021 shows a balance of XXXX In XX/XX/XXXX, the first transaction is a deposit via transfer from my sisters venmo  account if XXXX, and does a balance after a XXXX, filters by another XXXX deposit, with XXXX result balance. From XX/XX/XXXX and the final transacting of XXXX leaving XXXX balance to the infatuated next transaction XXXX the balance result at XXXX, there is a disappearance of XXXX in the balance. After contacting venmo, the response was it was from transactions that occurred earlier. They were unable to provide the line items of any such transactions that if occurred XXXX, would have been documented but show no balance change as a result. There was absolutely no reported transactions that would account for the missing XXXX and the balance reported after each transacting for the 60 days prior had neve dropped below XXXX, so the money was present up to that day and didn't account for any transaction of XXXX they claimed occurred. Venmo has been unable to provide any proof or reason for the error nor record to correlate. And the refuse to correct. It's as if they took it and though ti wouldn't notice. They will not cooperate and I reported now to the consumer protection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Their investigation did not fix an error on your report

Complaint:
In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or about Sunday, XX/XX/2018 I lost my wallet. It was left in a car that I rode in. I got my wallet back in my possession on or about XX/XX/2018. I notified my bank that I had some charges on my account that I do not recognize. Two from XXXX on my USAA account and one on my XXXX XXXX card. This total from XXXX on my USAA account was {$580.00}. USAA denied the claim and stated I made the transactions. I immediately filed a police report and sent it to them to reevaluate the claim. I called today, Thursday, XX/XX/2018 to get a update and I was told they are sticking with the decision and I am to be held liable for the changes. On Wednesday, XX/XX/2018, I received a phone call from USAA stating that I would still be liable for the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2021, I began receiving collection notices from Bull City Financial Solutions , Inc for a medical debt from XXXX Hospitals. First, I was not given proper and legal notification that the debt could be challenged. 

The collection agency is in violation of the North Carolina Fair Debt Collection Practices Act which is functions separate from the Federal version of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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:
I am requesting to delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
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 have tried to dispute this before with TransUnion, but they apparently do n't want to hear the truth. XXXX XXXX XXXX is saying I owe them XXXX from an original Creditor XXXX XXXX that not mine. I just want to see something with my signature, that shows that it 's mine. I am XXXX XXXX XXXX XXXX XXXX which use to be my XXXX XXXX, I 'm just starting to try to right with my XXXX XXXX. I do n't know how it could be mine, show me my supposed signature.

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 2022-08-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please Read This : Credit card # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX not activated XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX call me I will give you my SS # Phone XXXX XXXX XXXX I am XXXX XXXX XXXX. 

On XX/XX/XXXX I was notified by the VP of workout anytime my membership was terminated. So, when the bill came, I contacted Comenity bank. I spoke to XXXX of their reps and sent them the email from XXXX XXXX. 

I said I am only going to pay XXXX dollars for what I owed. So, in XXXX they sent me a bill stating I owed them interest and a late fee because I paid it at XXXX XXXX 

I told the bank the XXXX does not end until midnight. 

They did not care and my credit dropped from XXXX to XXXX and that has XXXX me off. 

I have a complaint with the XXXX & a Law firm who has sued them successfully in XXXX. 

Any help I would appreciate if you return my credit score back to XXXX My office number is XXXX I am in Florida Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Membership Good Morning XXXX XXXX After reviewing previous emails, survey responses, and speaking with gym staff, it has become obvious that we are unable to meet your needs with respect to our facility in XXXX XXXX XXXX Though we do our best to accommodate the goals and desires of our members, sometimes it's just not a match. When this occurs, we feel it's best to allow our members the opportunity to pursue their fitness goals elsewhere. 

To that end, your membership has been canceled and you will no longer be billed for services. There is no need to mail your key tag back ; it has been deactivated. 

We hope you find a facility and environment more to your liking XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I received a overnight unsigned letter from Bank of America informing me that they had " removed '' {$4500.00} from my regular savings account as the results of a CD that I had made a loan to a business on that closed and the bank received a " Payment Demand Notice '' from the Texas State Comptrollers office. The bank incorrectly stated that the account balance was transferred to my personal savings account. When in fact the loan was not accepted. The {$4500.00}. from a {$10000.00} CD was rejected and replaced by a {$5000.00}. CD secured by the Trustee/ Owner of the business early, in XX/XX/XXXX. Copy attached. Further, the {$5000.00} CD was to the business. A Conduit bond was canceled. And a new bond issued for {$5000.00}. In XXXX, XXXX The certificate of deposit was released with a statement that its was not needed. It qualified for exemption. Copy attached. The assignment loan of {$4500.00}, shows the first two copies submitted neither signed by Comptrollers office. Because they were not accepted at that time. On XX/XX/XXXX, I received a Next Day delivery from Bank of America with a back dated signed of copy of the last version of the original CD signed by a XXXX XXXX. In writing at the top of the form, and the faxed statement at the very top confirms this. I informed XXXX XXXX that I had gotten the document reviews by an attorney for consultation. His recommendation, ( because I could not afford to hire an attorney ). Was to first address the problem directly to the Comptrollers office. I did. On XX/XX/XXXX. I received an email from XXXX XXXX, Tax Hearing Attorney for the Comptrollers office stating the office was correct in this actions, and the file closed. Both the Comptrollers office, and Bank of America have used manipulation, and abuse of position and authority to take funds from my person to secure funds for a closed business. The Comptrollers office manipulated part of my account in in their " Demand Letter ''. Copy attached. 
Please review and reply. 
Thank you, 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 2021-07-01
Company: U.S. BANCORP
State: FL
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:
Someone stole my identity and used my credit card to open a account online and withdrew money from my credit card and put in the account they opened. It is not my account they opened. The money taken out was $ XXXX $ XXXX {$400.00}. I did not take this money out. They put it in the fraudulent account ending in # XXXX. I do not have a personal account ending in that. 
The credit card company XXXX XXXX says I am responsible for this money. Thats so unfair. I did not withdraw this money and place it in this 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 2022-10-05
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX, Account # : XXXX XXXX5 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Medical Data Systems, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Medical Data Systems about my debt and the information they are not supposed to have. They have personal detailed billing of when I was at the hospital. They are not supposed to have all of that information. That is a HIPPA violation. I have filed a dispute with the XXXX  and XXXX. Neither one have resolved my problem. I have proof of what they can see because they sent the information to me. They are only supposed to see basic stuff about me. I will be attaching what they sent me.

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 2021-10-31
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 around XXXX am I went to an ATM belonging to First Bank of Puerto Rico. I tried to withdraw {$200.00}. The ATM didn't dispense the money. I called immediately to the XXXX of the ATM and he told me that I have to call the bank. I called First Bank of Puerto Rico and the person who received the call told me that I have to wait XXXX hours before I present a complain. After XXXX hours I called the bank and XXXX XXXX XXXX help me with the complaint. The number is XXXX. She told me that I have to wait XXXX labors day ( until XX/XX/XXXX ) in order receive a notification if the complaint proceed. After XXXX labors days I called and they told me that I have to wait until XX/XX/XXXX because the complaint was closed on XX/XX/XXXX and reopen in XX/XX/XXXX without any reason why it was closed and reopened. And I have to wait until XX/XX/XXXX ( for a new XXXX labors day ) for a response. XXXX XXXX XXXX gave me the new number for the complaint ( XXXX ). In XX/XX/XXXX, I called the bank and they told me that the complaint was denied. XXXX XXXX XXXX assisted me in the information. I went to the bank in person and they told that I have to present a written document explaining the situation and present a reconsideration of the denial. It was process on XX/XX/XXXX. Until Friday XXXX XXXX the bank have not respond to my complaints and I have received my {$200.00} that ATM didn't dispense. The bank didn't present me with a photo or a video that proof that the money was dispensed. I need you help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1st Issue : Our mortgage was bought by another company during our time working overseas. As such we received notification late as result missed a payment on mortgage that we have had for 10 years and never missed a payment on. Due to our payment history on the mortgage and result of the mortgage changing ownership, don't think its fair to report the missed payment to credit bureau. Would like cfpb to look into removing this from our credit record. 

2nd Issue : We have had the mortgage for 10 years on 30 year mortgage and mortgage company is still reporting 30 years to maturity. We filled several letters to correct this still haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Choice Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the fair debt collection practice act the collector is required to send notice of written debt validation within 5 days of the first contact. Choice recovery failed to comply they also failed to validate my debt after I sent them a debt validation letter. I spoke with a supervisor XXXX XXXX a XXXX XX/XX/XXXX who I informed that I replied within 30 days to the invoice sent with a debt validation request and I have received no information so why are you reporting to my credit. XXXX stated they have 45 days I then stated ok I mailed the debt validation within the time frame, he stated he did not know the date on the letter that I sent but they did receive it. I asked to talk to someone who could view the date he would not transfer me. This company does not follow rules or laws there XXXX communication to me was XX/XX/XXXX and it was a bill/invoice they NEVER followed up within XXXX business days and sent a debt validation letter. I am still waiting for the validation after my request/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
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: Personal information incorrect

Complaint:
I attempted to have old Address removed off my Credit Bureau Report and Also Old numbers off my Credit Bureau Report, they have responded advising me the information is correct when the information isn't correct.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: NC
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 multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the beureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
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:
I had no idea. My roommate stole my identity. XX/XX/XXXX. I received a letter stating that he did. I went down to the XXXX Police station. Got a police report. Did a affidavit. I wrote to all 3 credit bureaus I am a victim of identity theft. I have Hard inquiries and things in collections and credit cards and auto loans in my name that was not mine and to take it off. Exquifax, XXXX, XXXX. They took 4 years to take off the identity theft. As of today XX/XX/XXXX. My credit report from 2 of the 3 is almost right. XXXX still has a hard inquiry from XXXX XXXX DC XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CO XX/XX/XXXX. These Hard inquiries need to come off this was due to Identity Theft. They did take off other stuff that was in result of this mater. Exquifax did the same they took off all the stuff from this matter. But they did not take off the hard inquiry. XXXX - XXXX XX/XX/XXXX. I had wrote to all 3 Last month to take them off. But they refused. 

As for as XXXX, Its XXXX everything is still on my credit report. I sent everything certified mail. They did receive everything the other credit bureaus got. Never was sent a letter all the Identity theft is still on there. Accounts are. 

XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$17000.00}. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, {$730.00}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$340.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX {$650.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$94.00}, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$760.00}, XXXX XXXX, XX/XX/XXXX, {$1000.00}. 

Hard inquires XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards, XXXX/XXXX  XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief