BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi my name is XXXX XXXX I had an account with us bank Me and my wife worked at the same company my company sent money to my account like they always did for my work which was XXXX the bank thought it was fraud and it wasn't my employer verified the bank was suppose to send the money back to my employer so he can redirect it to me this was way back in 2019 my employer still claim the bank never sent him back the funds and the bank refused to give me any kind of proof where they sent money all they do is claim it was sent back that's a lot of money I ask for proof they won't never give me proof and talk nasty to me the lady at the bank was nasty at me treated me bad told me not to come back in someone did something with the funds they never sent it back my employer would not lie the bank branch address is XXXX XXXX XXXX XXXX XXXX XXXX California XXXX could you guys write them and see why it they are not helping m we find out where they actually sent the money to and if they did it's XXXX $ of my hard earn money they just took and never sent back I put the email from employer stating they never received the money back instead of dodging me or not helping can you write them and also send a letter to there corporate office

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 2019-10-10
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AR RESOURCES INC HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Funding LLC is committing fraud by claiming I owe them a debt, I never signed any contract with them, they can not legally validate that I owe them a debt, my name is not spelled in ALL CAPITAL LETTERS because that's a fiction and I'm a flesh and blood human being, I've reserved my rights under UCC 1-308, My Moorish Appellation is XXXX XXXX which is my free national name, this debt collector isn't the original creditor, and never loaned me anything, I have laws that protect me under the FCRA, specifically Section 609, I don't understand why this debt collector hasn't been removed from my credit file, unless multiple organizations are partaking in fraud, in which I can sue any organization that chooses to do so, I request your organization take action on this notice, if by chance you agree with the fraud and identity theft taking place by Midland Funding LLC, then I will also have to include this organization in my lien process as well, Midland Funding bought this debt from someone else. That's reason enough to remove this debt from my credit file because it doesn't pertain to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: VA
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:
Equifax has faudulent and incorrect address information " XXXX XXXX XXXX XXXX XXXX , GA XXXX '' showing as one of my former addresses. This was a part of an identity scam in which my postal mail was forwarded to that address. I want that address removed as I never lived there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor 2. The creditors ' address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have sent Congress Collection a cease and desist letter and they refused to stop calling i having gotten several calls since i sent them the cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in XX/XX/2018 through the XXXX home buying program. I went through all the appointments and classes to make sure that I was ready to purchase a home and that I knew my affordable mortgage amount due. 
I closed on XX/XX/2018. I was told my mortgage amount would be {$1100.00}. 
A year alter, I was told by my Mortgage company that my new payment amount would be {$1300.00}. When I closed on the home, the title company told me that I was issued a credit because the sellers paid the property taxes for the home up until the day of closing. A year later, come to find out, they did NOT. Bank of America paid the difference and assessed it onto my mortgage.

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 2022-03-15
Company: OPTUM BANK, INC.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I opened an HSA account with XXXX and submitted paper work to initiate a transfer from Optum Bank HSA to XXXX account. I contacted XXXX a few weeks after that to ensure I didn't have to submit any more paperwork and they said that the ball was now in Optum Banks court. 

Last week I called Optum Bank inquiring about the status of the account. I noticed i still had money in my optum bank account, when it all should have been liquidated. They had no trace of the rollover. I spoke to two different people. One of them requested I fill out this form : XXXX XXXX XXXX  even though this form clearly states its for transferring an account from an institution INTO optum bank, not the other way around. The person advised I liquidate my investing portion of optum bank, as they wouldnt be able to transfer what was invested. I have liquified my investments, and now I am worried that it is going to take a long time for them to straighten everything out and I could lose out on potential market gains. 

I initiated another transfer from XXXX hoping that this time it will actually go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I currently have a credit card with chase and two credit cards with XXXX   XXXX. I recently went to apply for a loan and was surprised to hear that nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX is the company that handles my XXXX XXXX XXXX XXXX XXXX payment account. This was set up about a year ago. Each month, approximately {$3000.00} is deposited into the account in the form of XXXX XXXX XXXX  benefits. On XXXX XXXX two deposits were made and by XXXX XXXX approx {$2700.00} had been electronically transferred to another account. This was an immediate transfer and was NOT authorized by me. I believe there was a breach in their security. I have tried for days now to get XXXX XXXX to work with me on this. I wait for approximately 20 to 30 minutes to get a representative. Once I get one they say that they will transfer me to " level 2 '' and I am then disconnected. I have spent approximately 4 to 5 hours on the phone and they are telling me that other than continuing to call back there 's nothing they can do for me. My account has been completely wiped out. I did not authorize this transaction and the company is making zero attempt to help me resolve this issue. I 'm unable to pay rent or bills until they help me resolve this. The only thing they have done thus far is cancel my account and tell me it 'll be at least 10 days until a new card comes in the mail. In the meantime, I do n't have access to anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: OH
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:
I tried to dispute a couple of accounts on my credit and XXXX account stayed open. They never updated my information from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: OR
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 am a XXXX person that is getting help with filling this out. 
On XX/XX/2022 I filled a complaint with XXXX, Equifax and XXXX about the hard inquiries on my credit report. These were for an attempt to purchase a car. According to your agency all inquiries within a 14 day period are to be counted as one inquiry. They are all listed and when I tried to get a loan I was told that I have to many inquiries, that I need to get these removed so I can get the loan I asked for. I then looked up on your website the policy on the 14 day rule and sent this information to them on XX/XX/2022 with no better results. XXXX has been much more accommodating than Equifax or XXXX. Equifax and XXXX both sends me emails and letters like they want to help me repair my credit all I have to do is pay them some money. This has the appearance of a conflict of interest. They hold the cards on my credit report then want money to help me solve the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
This in continuation of my CFPB complaint XXXX I am still waiting to be credited back from the {$59.00} charge on my account from XXXX, after Capital One mishandled my complaint.Capital One refused to resolve my dispute against a charge against XXXX for {$59.00} on XX/XX/19, which I've worked very hard with them to answer all their questions to the best of my ability. Due to the nature of my dispute, I was unable to provide physical documentation -- as the reason for my dispute was based on a conversation over the phone with the merchant 's Customer Service, and Capital One re-billed me for the full amount on XX/XX/XXXX. 
Last time I spoke with them regarding this matter, I asked if they do not believe me, and they said it's not a matter of whether or not they believe me. They need to follow the guidelines of MasterCard ... All the agents must be trained to say this because I have heard about 10 different agents say this within the last 5 months. That is a bold-faced LIE. I have called MasterCard and told them they Capital One is saying this about them, and they stated that is false information -- That Capital One is their own company and they have their own policy -- And that MasterCard has NOTHING to do with their decision making process ... Capital One just doesn't want to resolve their customers ' disputes unless they're about unauthorized charges. They should not even have the option to dispute charges that were authorized if they're never even going to be in their own customers ' favor. My experience with Capital One over the last 10 months has been nothing more than unpleasant, time-consuming, and absurd ... The Federal Reserve should put them out of business, because they need to be stopped and no one 's doing anything about it. Are roughly a thousand complaints a day not enough?? 

I provided feedback onXX/XX/19 after they denied and closed my complaint with the CFPB that same day, which they've obviously ignored. I stated that they completely disregarded everything I stated in my complaint, just like they did in response to my first complaint I filed against them back in XXXX. The company advertises that they're there for their customers with their moto being, " We're here to help. '' But they're not. They will stand by the very businesses that their customers are disputing against no matter what they say or show them to back up their claim -- Including court transcripts that they paid {$600.00} for and a second opinion from a lawyer. Capital One is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Reverse Mortgage Solutions, Inc.
State: AR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My mother opened a Reverse Mortgage with reverse mortgage Solutions before she died. We have tried since she passed away to get the pay off and settle the estate. This company WILL NOT give the CURRENT information regarding this property. We have asked for months. We are opening yet another case due to the fact that our other  2 c ases have been closed with no results. In  XXXX  they sent a packet with old pay off information from  XXXX  of last year. Again, we opened a case and received someone else 's case file. In this new packet, which was addressed to us there are lots of documents that could be used to steal someone 's identity. Upon further investigation, our file and proprietary information was mailed to someone else as well. This company not only is stealing interest off of our house, but they have major violations with the safe handling of our information. We have NEVER received in writing ANY CURRENT PAYOFF information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX. I got an auto loan for my XXXX XXXX XXXX on XXXX of XXXX in Atlanta. I have now transfered to Florida now that I have relocated. The orginal loan was for $ {$11000.00} at a 28 % interest rate and the bank I am with is American Credit Acceptance their website is https : //americancreditacceptance.com/. Their contact information is XXXX the addresses they have is American Credit Acceptance : XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

When I got into this loan I was told the process of where my monthly payments would go. In my welome kit and on their website they said my payment of $ XXXX month will be applied in this order. Attached to this complaint will be that information. Here is it below : HOW PAYMENTS ARE APPLIED ACA applies your payments in the following order. 
1. Miscellaneous fees ( repossession fee ) if applicable 2. Interest ( currently due ) 3. Principal ( current and past due ) 4. Fees ( late/NSF ) 5. Remaining Principal They have not been applying my money to my prinipal at all. They have skipped months only putting my payments in interest and nothing towards the principal if you look at the attached document they sent me of showing where my money is being applied. If you noticed they have skipped multple months in applying any money to my principal then when it is applied it is in different amounts. Everytime I call them I am given incorrect information on my loan. The last agent I spoke to told me my interest rate was {$8.00} no agent is capable of given the correct information and looking at how they have been applying money to my loan it literally looks like childplay. I have paid this company almost {$8000.00} on my {$11000.00} loan. After {$8000.00} and almost 2 years I am being told I am still at {$11000.00}. If you look at my documents to see my grand totals you will see that over {$6000.00} has gone to my interest payment and {$700.00} to the principal. Please I need justice I am a single mom and I have been working really hard to mantain XXXX  car but this is not right and it seems very illegal. 

Please I need justice. I have spoken with the company and no solution has been offered. I have also filed a complaint with the XXXX This is my next step to getting justice now that they have sent me the proof of where they have actually been applying my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I opened a claim in XXXX, XXXX against Wells Fargo Home Mortgage. I am currently awaiting a response, confirmation, and a refund/credit of a large sum of money owed to me. The last communication from Wells Fargo in mid XXXX stated that they expected to have a resolution by XXXX XXXX. To date, I have not received any email, phone call or message, or letter with any resolution to my claim. Communication has gone cold. 

My primary mortgage was sold from Wells Fargo to XXXX. The original HELOC, now a 2nd mortgage, was not sold, remains with Wells Fargo, & the balance due is inaccurate. There is an ongoing dispute and supposedly an active investigation into a {$20000.00}  payment that I paid by cashier 's check to XXXX XXXX before XXXX XXXX was sold to XXXX, then acquired by Wells Fargo. I provided evidence of the payment & Wells Fargo has been unwilling to credit my account or pay me back the unapplied funds. Instead, they issued a sale date based on {$6000.00} that appears unpaid due to this dispute. Wells Fargo has failed to identify where they applied the funds ; however, they were never applied to my HELOC or 2nd mortgage account. They have also been unwilling to enact any sort of resolution. They have been unwilling to accept payments for the past year. They will not consider a new modification. The amount of money Wells Fargo owes me far exceeds the amount of money I owe them. Account # # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor XXXX. The creditors ' address and telephone number XXXX. The persons name they verified the dispute with 4. The documentation used to verify the dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: SYNCHRONY FINANCIAL
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:
XX/XX/2021 I applied for credit at XXXX XXXX XXXX and I was denied. I inquired with sales rep as to why or if there was any statement. He gave me the slip and said I'd here from a Synchrony Bank. 

I received a letter 2 weeks later stating the reason I was denied credit was due to previous unsatisfactory account. 

I was floored as I didn't have a number to call only an address on the letter. However I started referencing every synchrony number until I was able to find out there was an account with a Care Credit that had been fraudulently established. 

I had to contact synchrony ASAP so I then faxed over the documentation ( FTC Report and Police Report ) explained to them what had transpired and this was one of several fraudulently established accounts. 

I requested it to be removed as I've since provisioned severed protocols of protection on all XXXX CRA 's with security freezes and security alerts. 

I proceeded to request in receiving the documents to verify that consideration be taken and that Synchrony Bank would not prohibit me the real ( XXXX XXXX ) from establishing accounts.

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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I made a purchase on my Chase XXXX XXXX card ( current account number is XXXX XXXX XXXX XXXX ) on XX/XX/XXXX in the amount of {$740.00}. I did not receive the goods and filed a purchase protection claim on XX/XX/22 with XXXX  The claim number is XXXX. All documents required from me were submitted for this claim. XXXX  has yet to approve the claim because they are waiting for a response from Chase to emails sent to Chase on a weekly basis since XX/XX/22 requesting that Chase validate that I did not receive a credit or refund for this purchase

Company response to consumer: Closed with explanation