BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2019 I submitted a dispute of an error on my credit report which was for a collection placed by a company called XXXX XXXX XXXX who reported the collection for the original creditor XXXX. I reached out to correspond and request debt validation as I had never received any information from the original creditor or XXXX XXXX XXXX about this debt including any bill or utility usage. XXXX XXXX named XXXX stated that she didnt know why I was getting a collection reported on my credit by XXXX XXXX XXXX because they use XXXX XXXX and not XXXX XXXX. I submitted evidence to XXXX XXXX XXXX, XXXX, Experian, CFPB, and XXXX proving that I moved and that this collection is an error on my report. 

FDCPA and FTC law states : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt. 

This debt should be removed from credit reports and collection stopped if not validated within the given time frame. 

This debt has never been validated to me after correspondence and I check my mail everyday. The only way I found out about it was through my credit report. My wife is also witness to this bogus debt harassment by XXXX XXXX XXXX. 

XXXX XXXX of XXXX XXXX has put into writing on two separate government regulated websites that this debt that XXXX XXXX is trying to collect on is not shut of with XXXX until XX/XX/2019. It also says it was opened XX/XX/2019 which is false and untrue considering I am paid in full and up to date on my Utility bills. 

Now Experian and other resources I have used as a consumer have failed to properly investigate and remove this error from my credit which is a violation of my FCRA rights!

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 2021-03-10
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I received a letter from the bank that issued the mortgage loan in XXXX. The letter stated that funds of {$1400.00} have been held by the original servicing company of the loan Dovenmuehle Mortgage due to over escrow of the loan. The funds have been held by Dovenmuehle since XXXX, they never issued a check or any type of attempted to reimburse me of my funds. The loan was switched to a different servicers after the first year of the mortgage origination, so they have held my money since XXXX. I contacted Dovenmuehle many times after receiving this letter in XXXX of XXXX, in an attempt to recoup my money. I have spoken with many representatives and supervisors and they all acknowledged that they funds are owed to me but no issue of my funds are sent. I will be told that a check will arrive in a week or two by no check ever shows. Or that they are expediting the payment or they will contact me back but they never contact me. I always have to call them and explain the whole situation to a new representative or supervisor. I have spent many hours trying to get this issue resolved but have had no success since starting this in XX/XX/XXXX. I do not know why but they are refusing to give me my money that they have held since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: EQUIFAX, INC.
State: OK
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 started this back in XXXX of 2016, and have gotten no where with equifax. I have submitted by FTC Report, Police Report, ID, Social Security Number, Proof of Residence, and every other document that they have asked for. My identity was stolen and they are allowing that person to ruin my files by not removing incorrect information. They have multiple files on me and when i call to speak to someone, I am transferred to XXXX or XXXX poorly spoken reps before the call gets disconnected. EVERYTIME. I have no access to any of the information that equifax has on me because the have all my information wrong so i can not verify myself, or the system will not allow me in. XXXX  and XXXX have been great helps. I don't see why Equifax can not do the same. They do not even have a fraud alert listed on my Credit File. Thats a violation in itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I am contacting CFPB to report a problem I have with XXXX XXXX 
Some scammers from a supposed company called XXXX XXXX XXXX XXXX, opened an account in XXXX and used it as a bridge to divert the money that I transferred from my XXXX account to the XXXX account and from there, to other accounts of the scammers. 
XXXX is not responsible for anything! They say that they do not have to give any kind of explanation about the destination of the money transferred. The only lesson I get from this attitude and operation is that XXXX is the perfect platform to launder money and subsequently promote organized crime. 
When I found out about the scam I was subjected to, I made the request to withdraw the transferred money and identify the recipients ..., they have rejected such requests. 
It is not necessary to travel to any country where it is allowed to have money without control, comfortably from home with an account in XXXX you can make transfers to accounts in tax havens with the excuse of investing in XXXX. 
XXXX XXXX, XXXX is not only a Cryptomenda-type currency platform, but also performs the functions of a bank that acts as an intermediary between them. 
I am extremely disappointed and confused with the irresponsible behavior of this platform. Any WORLD bank must have a control of the income and transfers it makes to know the origin and destination of the money, XXXX seems to be outside the law. 
Facilitating money laundering for thieves seems incredible to me. 

The response I received from the XXXX department was as follows : We can not : Names of the recipients of any transfer, this is not how cryptocurrency works. 
Reverse transactions that have taken place, this is not how cryptocurrency works. 
Refund any trade and transactions that have taken place, this is not how cryptocurrency works. 

With a normal bank account, the situation would be different, however, cryptocurrency transactions do not contain the name of the recipient, they are not reversible or refundable. This is how cryptocurrency is built and it is not something that is under our control. 

My account number at XXXX XXXX, XXXX is number XXXX. 
The open case reference is # XXXX - # XXXX. 

I did a little research to get all my money back. 
I can send you all the receipts of the transfers made to XXXX from the XXXX Bank and verify everything that I report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On the XX/XX/2019 my XXXX XXXX Checking account was frozen by the State of New York XXXX County Supreme Court through a restraining notice with a subpoena. A Levi # XXXX of {$8000.00} plus a Processing fee of {$120.00} was removed from my checking account. This process was initiated by Forster & Garbus , LLP, Collection Attorney located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; Telephone Number XXXX ( XXXX ) XXXX ; Website : XXXX : XXXX. 

To date I have never received any correspondence of debt and if debt existed never had a chance to litigate a complaint ( never received ) to request documentation from the creditor ( who is unknown at this time ) or even dispute the amount owed, if I do, and who I owe it to ( at this time unknown ). If I did have a unpaid debt ( at this time unknown ) I never had any chance to negotiate with the creditor. 

I tried numerous times to contact Forster & Garbus , LLP, Collection Attorney but to no avail. 

This has caused a hardship for my wife and I since I forfeited this money unknowingly and bills that need to be paid to sustain my wife and I survival is now in jeopardy surprisingly losing this money. 

Finally, while doing my homework, I discovered that the BUREAU OF CONSUMER FINANCIAL PROTECTION Filed Suit Against Forster & Garbus , LLP, in the UNITED STATES DISTRICT COURT XXXX DISTRICT OF NEW YORK ... ... XXXX XXXX   XXXX Thank you for your time looking into this matter ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Opened account with XXXX XXXX in 2004. Account was inactive for two years. XXXX XXXX automatically closed account and shows records for it being closed. Equifax shows the account as open and I would like my report to show it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 submitted multiple documentation to prove that I am a victim of identity fraud I later received a letter from Capital One Bank stating that they would not remove the account which the account is fraudulent and it was open in my name with all my documentation discovered the account 2 years later XXXX and XXXX has already removed the fraudulent account four months ago I have sent multiple letters to Capital One and XXXX I also consulted with the attorney general office the consumer protection Division and I have filed a ftc complaint against Capital One, the account was a fraudulent charge of account for {$440.00} the account was opened in XXXX XXXX I have sent a letter to Capital One president and CEO and Capital One will have 30 days that they received the letter or a federal lawsuit will be filed in their city state with my lawyer 's office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XX/XX/XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XX/XX/XXXX for XX/XX/XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.

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 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.
I have contacted XXXX where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.
<P/>
Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. XXXX is reporting to TransUnion This issue with XXXX has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.
<P/>
As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.

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 2018-01-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Request a RESPA from XXXX XXXX XXXX XXXX However they redirected tequest to servicing company ( WELLS FARGO ). 

Requesting XXXX, TILA & RESPA from first date of origination XX/XX/XXXX. 

XXXX XXXX originators filed bankruptcy, sent to ASC and now Wells Fargo. 

Also, request a amorizatiin from XX/XX/XXXX-present.

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 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I deposited a Cashier 's Check for {$10000.00} drawn on XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, NM, XXXX into a Bank of America checking account at XXXXXXXX XXXX XXXX. XXXX, XXXX, NM, XXXX. The deposit slip was dated XX/XX/2022 which was the next business day. On XX/XX/2022 I received an email that a hold was placed on check until XX/XX/2022. I called Bank of America on XX/XX/2022 to say it was a Cashier 's Check but was told nothing could be done to make the funds available any sooner. When I decided to file this complaint I called XXXX XXXX on XX/XX/2022 to see if check had cleared. It cleared on XX/XX/2022. XXXX XXXX gave me a reference # XXXX so this information can be verified. I believe Bank of America has a systemic problem of when deposits made in checking accounts are available. The check was paid on XX/XX/2022 by XXXX XXXX but I don't have access to funds until XX/XX/2022. The Federal Reserve says that Cashier 's Check funds deposited in a checking account should be available for withdrawal in two business days.

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 2020-04-29
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Trying to link my account with XXXX  to PNC. I can do this with XXXX but not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.

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 2018-01-02
Company: EQUIFAX, 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:
Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going Equifax security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
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:
I disputed my XXXX XXXX XXXX account with proof of payment and it was updated with a higher balance and as a charge off which dropped my score 74 points when Im in the process of buying a home. This account was paid in full at closing when I sold my home. I provided the credit agency the check that cleared the bank proving it has been paid. I have recently disputed it again with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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:
XXXX and Experian  are fraudulent on my accounts : XXXX XXXXXXXX XXXX  is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on Account Number : 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 2017-07-14
Company: CCS Financial Services, Inc.
State: WV
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:
Last year my identity was stolen and I reported it to all the proper entities. Yesterday in the mail, I receive a form letter from a company called Credit Collection Services claiming that they were trying to collect a debt owed to XXXX XXXX. I have nothing with XXXX XXXX. I have tried to contact the company 4 times since last night. I spoke with one agent who had me call another number last night andnwhen I called the nimber I was put on hold for about 9 minutes. I called them back today and the first time I called the guy hung up on me. The second time I called, the guy wanted me to give them my social security number before they would proceeed and I told the guy again that I had had my identity stoloen before and that I was not going to give someone my social security number over the phone who I did not know. He told me that if I would not give him my social security number that he would end the call. I told him to end the call and I hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation