BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please accept this as a Qualified Written Request for an unredacted copy of ; the XX/XX/XXXX, " Notice of the foreclosure hearing on XXXX XXXX XXXX, XXXX XXXX, to be held on XX/XX/XXXX. '' " The notice named the current holder of the deed of trust dated XX/XX/XXXX, and the indebtedness secured thereby, to be SunTrust Bank which had accelerated the maturity of the debt ''. 

Thank you - XXXX 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 2018-02-05
Company: WELLS FARGO & COMPANY
State: FL
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:
My computer was hacked and the people that did it took information from it and used it to withdraw {$750.00} from my son 's savings account in Wells Fargo, of which I am a joint owner, in a wire transfer to XXXX, which was in no way authorized by myself or my son. This happened on XX/XX/XXXX. I called Wells Fargo to report the fraudulent transaction and they opened a case, reference number XXXX, which I obtained with a representative called XXXX on XX/XX/XXXX. After this communication, and seeing that the funds were not replaced as requested by me, I called again on XX/XX/XXXX, and this time I spoke to a representative named XXXX XXXX, who provided me with a claim number for my claim, which is XXXX. This representative, however, indicated me that the amount in question could not be returned to the account due to the institution that received the fraudulent wire transfer did not have the funds to restore the money, and that I had no protection by the FDIC in this case to obtain a restitution of the {$750.00} plus the {$30.00} fee for the fraudulent transfer, even after I provided XXXX with all the information needed ( phone numbers, names and codes ) that were illegitimately obtained to access the account and retrieve the money unlawfully. Finally, I called Wells Fargo again and I spoke with a representative named XXXX on XX/XX/XXXX, which gave me a case number ( XXXX ) to use to refer to my claim, and stated that it was under review and that I would be contacted once the investigation had taken its course. I called Wells Fargo once more on XX/XX/XXXX and spoke with a representative named XXXX who assured me that she would follow up with the case and see if there was something that can be done to restore the funds to my son 's 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 monetary relief
Consumer complaint received 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS ACCT DOES NOT BELONG TO ME FRAUD

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 2020-09-05
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Direct Account Management
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had filed a complaint on XX/XX/2021 about " Direct Account Management '' and had requested that they had no further access to my bank account information, preventing any withdrawals from my checking account. To further note, the CFPB had agreed to my requests of action to be taken. Additionally, " Direct Account Management '' sent a confirmation that I would be removed from their program, thus not having to make any payments to this institution. 

I was to be charged {$200.00} on XX/XX/2021 and every XXXX day of the month for the next 5 months. This amount of {$200.00} was charged to my Checking account on XX/XX/2021 and went through.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: IN
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:
Disputing the credit report No one notified us we were being sent to collections This should not be affecting my credit score and should be taken off immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed that my report is reflecting late payments on two accounts from XXXX XXXX. These items are inaccurate because both accounts are paid in full and in good standing. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$7500.00} XXXX XXXX {$4100.00} XXXX XXXX {$5400.00} CHAPTER 7 BANKRUPTCY DISHCARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Jpmcb - Card Service failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX of 2018 I missed a payment with my Citibank Credit Card. 
I lost my job last year and I have a family and a mortgage. I truly forgot to pay my bill. I did call and asked for help didn't get any help from the associate or the manager. It was a small amount of money also but I did pay it as soon as I could and I never missed a payment since even though I am still going through financial hardship.

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 2020-07-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed that my report is reflecting late payments on two accounts from XXXX XXXX. These items are inaccurate because both accounts are paid in full and in good standing. 

XXXX XXXX : # XXXX XXXX XXXX : # XXXX I am requesting that the item be deleted to correct the information. Please reinvestigate these matter ( s ) and correct the disputed item ( s ) as soon as possible.

In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete the item. Additionally, I respectfully request that you forward to me an updated description of the  procedure used to determine the accuracy and completeness of your removal as required by the Fair Credit Reporting Act and confirmation that this information will not be re-inserted. Thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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: Investigation took more than 30 days

Complaint:
I have been declined credit based on bankruptcy information being reported by XXXX XXXX XXXX at XXXX. The bankruptcy was removed from credit reports on XXXX of XXXX. I have been submitting disputes and request to XXXX XXXX to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from XXXX XXXX XXXX shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at transunion and Equifax advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by XXXX XXXX XXXX , and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at Equifax, XXXX and XXXX advise that XXXX XXXX XXXX is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Western-Shamrock Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the Fair Debt Collection Practices Act Western Shamrock corporation is in violation of the law. Western Shamrock corporation has not validated any debt that belongs to me XXXX XXXX, therefore under the FDCPA Law Western Shamrock corporation can no longer collect any payments, and are not to report any negative entry to the credit report agencies in pursuant to the FCRA. Western Shamrock corporation has failed to validate the debt. You are in violation of the FDCPA law an can be sued because no contractual evidence has been proven to show that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I noticed that my most recent credit report contains a late payment reported on XX/XX/2018 for my CAPITAL ONE, N.A. account. 
Because of my exceptional payment history over the last 11 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE, N.A. is willing to work with me on erasing this mark from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX XXXX  central time on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit reports

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 2020-07-03
Company: BCI FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ref : XXXX Sirs, Your email to me today states that the bank has responded saying they need an additional sixty days! My account was first frozen at the end of XXXX. The funds were removed on or around XX/XX/XXXX. I was notified by letter ( sent to the WRONG ADDRESS ) on XX/XX/XXXX a full six weeks after the hold was placed on almost {$6000.00}! 

I believe there handling of this has been bullying threatening usurping funds and now to add insult to injury they : require : an additional sixty days, when those funds include my {$2100.00} monthly Social Security AND my {$1200.00} stimulus payment which, I believe by law they were supposed to return to Treasury and not hold! 

Their vindictiveness has truly harmed me operationally and also financially! With the time already given to them to review matters, I believe their actions are injurious to me as will indeed by the cause of suit action once the funds are released to me! 

Can you PLEASE bring the complete weight of CFPB on them to complete their review and release the funds! By my calculation a " normal '' 90 day period would be completed by now and to ask for additional time is bogus especially since they denied me access in XXXX! 

With the authority CFPB has I ask that this case be closed immediately and all funds be returned to me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America closed my account that i had with them for years after reporting fraudulent activity. My purse was stolen from a friends house that I was visiting by another individual who was present at the time. I made bank of america aware of all of this. The person deposited checks into my account that DID NOT have my signature or authorization on it. I attempted to fight this on several occasions. They reported my account to XXXX ( since removed ) and XXXX ( which they own and it appears for 7 years ). This has caused me issues when it comes to opening an account as they label me as " fraud ''. I have researched online and there are several forums in which BOA has done this to hundreds of others without even attempting to investigate the claims. These invests took place in 2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My original complaint is # XXXX. This has still not been resolved. As a matter of fact I still have not spoken to anyone at B of A other than XXXX XXXX. She called me on XX/XX/XXXX to make sure i was the one who filed complaint and said someone would be calling me to talk to me about it. Well on XX/XX/16, a man named XXXX called, and left a message for me to call him at the same number from my original complaint. I called and just like every other time, couldn't get anyone on the phone. I have now sat on hold for 29 hours trying to get this taken care of and still have never spoken to anyone. This fraudulent charge was made to my account on XX/XX/XXXX, 2020. in the amount of XXXX I started calling on the XXXX to resolve this to no avail.

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 2021-01-27
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened the account upon recommendation from XXXX. I used the line of credit to payoff some expenses, then paid by balance off in full in XXXX. A week later, I received an email from the company showing a balance of {$76.00}, I called and spoke with a representative who told me " on a recorded line '' they would waive the balance and close my account, per my request. I continued to receive emails regarding the balance and continued to contact them. They claim they listened to the original call and I was never told the interest would be waived. I said then confirm closure of my account as my bank account was already drafted for the charge. I was told by multiple representatives it would be closed. then I started to get emails again regarding a balance due of {$1.00}. So the cycle of emails and calls to the company began. I contacted my bank and they have blocked all further withdrawal authorizations from Upgrade. As of today, my account is still open against my request and they continue to charge interest. I want this to stop.

Company response to consumer: Closed with explanation