BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Last XX/XX/XXXX, I filed a complaint against the credit bureaus to delete the Bank of America accounts opened in XX/XX/XXXX. I am a victim of mixed files and Bank of America sent me correspondence dated XX/XX/XXXX. In the correspondence, BOA is saying that they did an investigation and concluded that, " YOUR CREDIT FILE MAY BE COMBINED WITH SOMEONE WHO HAS A SIMILAR NAME. PLEASE CONTACT THE CONSUMER REPORTING AGENCIES LISTED BELOW TO HAVE THIS CORRECTED ''. So I did. I sent them a letter dated XX/XX/XXXX, and even filed a complaint against them with the CFPB and uploaded a copy of the letter from BOA which I am attaching to this complaint. Obviously, XXXX didn't care to investigate. They refused to delete this account that belongs to someone else. As a furnisher, it is your responsibility to correct this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the validity of this debt for almost 2 years with NCC BUSINESS as well as with XXXX, XXXX and XXXX. They continue to send me notification that this debt has been validated without providing physical proof. On XX/XX/2018 I contacted the company that they allege that I owe debt to and they have no record of any debt being owed to them by me. NCC BUSINESS stated to me that they do not own the debt and that they are a 3rd party collector. When I asked who do I need to contact in order to resolve this matter I was told the company that they were collecting for was called XXXX and when I asked for their location and contact info, I was told by the collection manager at NCC BUSINESS, XXXX XXXX to " XXXX '' it. My XXXX search provided several results none of which I am able to pinpoint without further information but I also feel as though I should not have to search to find out this information. It should have readily been provided to me upon request in order to protect my rights. I have not been provided the accurate information on this debt and inaccurate information is being reported that is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Back in XX/XX/XXXX I was enrolled in auto pay for the car XXXX XXXX XXXX I accidently paid online and they also took their auto pay which I understand. I caught it and to stop that from happening again I stopped auto pay and decided to start using my own bank bill pay. Then on XX/XX/XXXX they got in my bank and took a payment illegally. Then they went in on the fourth and took another payment but they refunded that one but they still illegally got into my bank account. I called on XX/XX/XXXX and was told they would send a check refund. I asked why they were in my bank account in the first place. One person said they updated their system and it was an accident, another person said I went on a third party site and made a payment. I waited for the check and called again on XX/XX/XXXX. That man said they don't send checks and that they already refunded and to call my bank. My bank said there was no refund. Then my own bank sent their auto pay and they got a third payment. I ended up with two NSF fees but my bank removed one. Citizen bank XXXX XXXX XXXX loan bank ) kept telling me they already refunded. I disputed, took screen shots and they still lied. In the meantime my principle balance keeps going down and they say I don't owe for three months so that proves right there that they kept my money. I was told yesterday XX/XX/XXXX that they refunded on the XXXX, then they changed it to the XXXX and XXXX. Then on XX/XX/XXXX I got a letter in the mail from them thanking me for my payment. I've been asking for my money back since XXXX. They keep making up new lies and this has gone all the way to the chairman office. Now they say they fed ex my check when on the XXXX of XXXX I was told they don't do refund checks. They just KEEP LYING. they have taken 3 payments this month and refunded only one and caused me to go in the negatives. If they don't have my money how come my next payment isn't due until XXXX. Also I asked why I didn't start getting statements until XX/XX/XXXX and I was told that they only send statements to people not enrolled in auto pay and as you can see, my first statement started XX/XX/XXXX when I canceled auto pay in XX/XX/XXXX. Also, when I first checked my account before my fist phone call there wasn't even a bank assigned in their system so my bank, XXXX XXXX  days they were going of the account number and routing number from the checks my bank was sending them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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: Account status incorrect

Complaint:
There was a settlement for this credit card account. This account has been paid and it is closed now. Please remove from the all 3 credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Sun Trust back has out a account review on my account and has restricted access to my funds. They tell me they have no time frame for an update, this is not good as they are holding all of my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is attempting to collect a debt on a car tow that I did not incur, nor did I own the car, nor is it registered to me. The former owner Illegally transferred the car to a name that isnt mine, but the sale was never complete because he never provided smog certification. They are not even using my legal name and they have written threatening to damage my credit. They are overcharging by {$1200.00} pursuant to CA law. The tow company never got in touch with me and are attempting to charge for 45 days of storage. In CA, only 15 days can be charged without communication. The debt collection manager, XXXX, accused me of being irresponsible and attacked my personal character. They refuse to provide documents to back up their claims, though did provide some incomplete documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Due COVID-19 has a hardship from XX/XX/20 to XX/XX/20 I was not working and got sick, which cause me to fall behind the following dates : Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have called to see if they can see if they can help me get back on track. The account is closed and I am making my payments on time. They told me to do a dispute so they can get removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have a checking account with Bank of America but am told I need a Social Security Code to obtain same, am also being asked to pay {$28000.00} for the privilege!! 
Is this just another Scam? 
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 2018-05-15
Company: EQUIFAX, INC.
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 been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$470.00} Last reported XX/XX/2018 Equifax XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Earlier this year I found out my personal information was involved in a large data breach from XXXX, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.

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 2018-02-27
Company: TRANSWORLD SYSTEMS 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:
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Guild Mortgage Company LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been looking for a mortgage for quite some time and saw this advertisement saying I could get $XXXX in free XXXX XXXX money from this lender and get another $XXXX  in closing credits free by going to this lender. I spoke to my regular bank and they said this was deceptive advertising.  I do NOT want to work with anyone that would be doing anything illegal so I'm not sure how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: WELLS FARGO & COMPANY
State: CA
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:
It has come to my attention that Wells Fargo has been rearranging debits and credits within my bank account in a manner which causes my bank balance to fall below {$0.00}. As a result, I have incurred two ( 2 ) Non Sufficient Funds fees in the amount of {$35.00} each for a total of {$70.00} in fees. Non Sufficient Funds fees occurred on the following dates : XX/XX/2018 for a transaction in the amount of {$220.00} and XX/XX/2018 for a transaction in the amount of {$18.00}. I'd like to point out that if the first Non Sufficient Funds fee from XX/XX/XXXX was not applied, there would have been sufficient funds in the account to cover the {$18.00} debit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of today 's date I have never received a bill from XXXX other than from one collection agency to another I have contacted their office and never got a bill from {$1100.00} to now i received a bill from Nation Wide Credit for another amount in the amount of {$330.00} no one can pay a collection when they never received the actual bill from the company this is absolutely ridiculous to any consumer to have different collection agencies wanting money from one Debt and each time it's a completely different amount and the consumer has never gotten a bill for this amount. It is robbing the consumer because you hold the pen to ruin them financially and credit wise.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person

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 2018-07-13
Company: WELLS FARGO & COMPANY
State: TN
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 balance transfer

Complaint:
I received a 0 % interest offer for a 15 month period. I applied requesting several balance transfers equating to over {$10000.00}. It was denied but I was given a {$1000.00}. credit card line of credit. 

I thought that was the end of it but then received a letter from Wells Fargo stating they had initiated a {$650.00} transfer. This is not what I requested and is not helpful. The intent with the balance transfers was to reduce my payments each month, not add another. By completing a partial balance transfer it has resulted in another payment and has only reduced a balance slightly. I did not approve nor do I want this transaction. Partial balance transfers are not helpful. 

In addition they charged a {$19.00} fee to conduct the transfer. 

My attempt to resolve their error was refuted stating it is complete. 

I did not approve a partial transfer. They are unwilling to correct their error so I am seeking outside arbitration for resolution. 

Thank you

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 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION IS REPORTING XXXX XXXX ON MY CREDIT REPORT. I HAVE ASKED FOR VALIDATION OF THIS DEBT IN WRITING TO ME FROM TRANSUNION. THIS ACCOUNT IS PAID IN FULL AS A TITLE LOAN.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Just share with you our current situation. We were under " no visa '' status for the last 6 months due to immigration status and pending XXXX. We have not had any incoming source at all. Nobody contacted me before this decision.

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 2022-01-11
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 information incorrect

Complaint:
The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE STOLE MY PERSONAL INFORMATION AND FRAUDULENTLY OPENED ACCOUNTS IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2021 I called Navient to get some information about the co-signer release program on my loan. At one point in the conversation, I was told incorrectly that my loans were in an interest-only payment status, which was news to me and I have never signed papers to place my loans in an interest only payment plan. I still am unsure if my payments are interest only or principle and interest. The other issue is that I am trying to find out how to release my co-signer. This loan was advertised to me and my co-signer as being a short-term obligation to co-signers. The main ad says, after so many on-time payments the co-signer is released. However I have read that almost nobody has ever been released in this program. A XXXX  in Washington State has now ruled that Navient did mislead consumers about " co-signer release '' and that the actual requirements are changing, and completely up to the discretion of Navient and not at all as simple as making " XXXX on time payments ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I borrowed a total amount of {$1700.00} from Coinbase.com. I paid back {$1600.00}, so I only owe {$72.00}, but my loan balance shows that I owe {$950.00}. I contacted their customer service but they said they don't see anything wrong. I attached my loan transactions and Coinbase response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to get a {$0.00} balance off my account. The minimum payment is {$1.00} but you can't make a payment of more than what you owe. I am stuck. Discover Student Loans claims it has been working to resolve this issue for months. They have continued to mislead me by patronizing statements and claiming I would receive documents explaining the situation and I have not. This student loan still shows on my credit report because the loan is not closed. There is seemingly no reason in Discover 's own words, that I owe them anything yet they continue to have this account open with a balance. Discover Financial had {$93.00} billion in assets in 2016. You expect me to believe that you don't have the IT infrastructure to solve this in less than 3 months? This is predatory. You are trying to export me and I will not stand for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I requested detailed debt validation to Portfolio from which I received no response. A second letter was sent but in the meantime, an attorney 's office mailed me a request for payment stating that Portfolio had contracted them to collect the alleged debt. A second letter has been submitted requesting once again very detailed information as stated by law for debt validation, so far without a response. All of my communication with Portfolio has been certified letter, so I do have concrete proof they are in receipt of my requested detailed information.

Company response to consumer: Closed with explanation