BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-06
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:
My issue is with Bank of America. 
My credit card billing shows invalid swipes in my card when i was out of country. 
I was on vocation to XX/XX/XXXX and i had carried my credit card with me., i have proofs to show the same ( Transactions in XXXX XXXX ) At same day my credit card is been used physically using chip all over California XXXX area. 
I have reported the issue and blocked my card. 
The bank refuses to accept my dispute on the charges on the bill which i had never used or performed. 
I have submitted all proof to show that I was in XXXX during that period with my immigration reports and I94 reports and tickets of the journey. 
Still bank doesn't give my credit back and reported over limit swipe /high balance which affects my credit score. 
I have called bank directly and went to bank directly several times and i have no resolution or proof for forcing the charges on me. 
I have filed police report still there is no action.

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 2023-02-13
Company: Bread Financial 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:
This is in addition to complaint XXXX. I had more time to review my credit report and found more errors. Each of the credit reporting agencies are reporting different information. How can this be possible when all data furnished should be the same? This is a charged off account, but XXXX is reporting that I was late once, and the account became a charge off. We know that an account is not charged off after 30 days. XXXX is reporting that the account was a charge off but has exceptional payment history. How is this possible? XXXX is reporting that the account is closed with no payment history whatsoever. There are so many inaccuracies within this account, and I demand that it is removed immediately. I will attach the credit report for reference. Also refer to complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
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: Investigation took more than 30 days

Complaint:
The business I was working for " XXXX XXXX XXXX XXXX '' purchased a property via XXXX XXXX. The business closed and XXXX incorrectly reported the file on my credit report. I filed a dispute with the credit bureau. They have yet to remove this information from my file. I also spoke with XXXX of XXXX who advised me that the information would be updated. However, there hasn't been any changes to my report after disputing it 5 times.

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 2021-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/2021 I put a refundable deposit down for a XXXX XXXX for {$100.00}. In XX/XX/2021 I cancelled the order and the deposit was to refunded within 7-10 days. It was not issued. I disputed the charge and sent the refund documentation to Bank of America XX/XX/2021 and have heard no response. Here is the B of A charge information : XXXX XXXX XXXX XXXX CA Transaction date : XX/XX/2021 Card type : Visa Transaction type : Purchases Merchant description : CAR AND TRUCK DEALERS ( NEW & USED ) -SALES, SERVIC Merchant information : XXXX, CA Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX XXXX XXXX merchant name Transaction Category : get more information about transaction category Transportation : Automotive Expenses Select toEditthe transaction category Online Purchase : N

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 2019-09-22
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: Investigation took more than 30 days

Complaint:
The business I was working for " XXXX XXXX XXXX XXXX '' purchased a property via XXXX XXXX. The business closed and XXXX incorrectly reported the file on my credit report. I filed a dispute with the credit bureau. They have yet to remove this information from my file. I also spoke with XXXX XXXX XXXX who advised me that the information would be updated. However, there hasn't been any changes to my report after disputing it 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: EQUIFAX, INC.
State: ND
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 been receiving harassing and threatening telephone calls of profane and abusive language, threats of garnishment of wages, being sent to jail, XXXX and death from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a fraudulent debt of {$200.00} and account thats not my account and is the result of identity theft. The account and debt is a fraudulent account and debt thats from identity theft. Its extremely appalling and frightening to be receiving telephone calls of death threats. I am in fear of my life. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is in serious and major violation of of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business

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 2023-02-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I was XXXX payments behind on my mortgage and contacted the mortgage company for assistance. I initially fell behind on my mortgage because I was laid off due to Covid, I have since begun working again and I am now making more then I was when I bought the home. I was placed on a special forbearance and told it would be good through the end of XXXX During the special forbearance I was told to apply for a payment deferral which I did. I was initially told in XXXX I would have an answer regarding the deferral within 45-60 days. As of XX/XX/XXXX I still did not have an answer and was told to please allow more time for a decision to be made. While on the forbearance I was told that no payment was due and my credit was protected. I was also told I would be approved for the payment deferral as long as I didnt have a lien on my property ( which I dont ). I was told this by multiple loss mitigation agents. 

I spoke to : XXXX ( Agent ID XXXX ) Rajwinder ( Agent ID XXXX ) XXXXi ( Agent ID XXXX ) Each agent told me the same thing regarding the payment deferral. I asked to speak to a supervisor at least 5 separate times and was told a supervisor would call me within 24 -- 48 hours and no one ever called me back. 

Today XX/XX/XXXX I was told I was denied for the payment deferral because my investor did not allow for this type of assistance. This is not true, I have a VA loan and spoke to the VA and they in fact DO allow for payment deferrals and advised me to file a compliant with the CFPB once they heard my story. 

I do not understand why I was told to apply for a payment deferral if a payment deferral is not allowed on VA loans ( according to citizens bank ) I do not understand why it took 4 months for someone to tell me a payment deferral would not work due to my type of loan. 

I do not understand why I have not been contacted by a supervisor when I have asked to speak to one on at least 5 separate occasions. 

I do not understand why I was initially told I could make partial payments to get caught up and now I am being told Citizens will only accept a full payment and partial payments are not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear Wells Fargo Bank, I am writing to inform you that I am a victim of fraud. I have not deposited any checks into my account in the last 30 days. I was made aware of the fraud when your bank called me to confirm the deposits. 

I understand that under the Fair Credit Billing Act, I have the right to dispute any unauthorized charges or credits made to my account. I am asking that you take immediate action to investigate and reverse any fraudulent charges made to my account. 

I am also requesting that you place a fraud alert on my account to prevent any further fraud. I would also like to be informed of any other measures you can take to ensure that my account is secure. 

I appreciate your prompt attention to this matter.

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 2020-09-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had problem with Macy 's Credit Card over the limit purchases, as they advertise they won't allow transactions to go through, if dept is over the limit by XXXX $ but they allowed transactions after that up by XXXX $ plus XXXX $ pending transactions ( limit is XXXX ), this destroyed my credit score and got it decreased by XXXX points, this is insane. 
Additionally those XXXX $ + transactions went through after billing statement was ready and balance up by XXXX $ over the limit. 

So statement date was XXXX of XXXX, already above by XXXX $ of what should be allowed, they might say XXXX $ interest charge applied but it still does not sum up. 

Ironically after that, they allowed transactions on XXXX of XXXX. 

They also might say some transactions were pending, this does not make sense, if I by something for XXXX and is pending why should they allow me to purchase another XXXX $ for example. Insane. 

This is fraudulent, because it does not match the advertised service and terms. 

Please see screenshots for better understanding

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 2018-08-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 I mailed a certified letter to Wells Fargo dealer services requesting all the documents containing to the debt I owe them as of XX/XX/2018 I have yet to receive any documentation which is a violation of the Fair Credit Act I called and called tell haven't gotten anything.

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 2022-12-14
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan servicing company withdrew an unauthorized payment from my account on XX/XX/22 in the amount of {$1200.00}. This unauthrized withdrawal was made after I had already made a payment on XX/XX/22. I spoke to them today ( XX/XX/22 ), and the agent told me she was filing a complaint against the employee who made the unauthorized transaction, but that my complaint could take up to 14 days to process. 

This is fraudulent activity. 

The company : Specialized Loan Serv LLC XXXX XXXX XXXX XXXX XXXX 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 2019-11-06
Company: Experian Information Solutions 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:
Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus on XX/XX/2019 after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are XX/XX/XXXXacct no. XXXX and account no. XXXX. 

After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. 

I have done this and mailed this information on XXXX XXXX, 2019 the credit bureaus are ignoring it. 

I have also sent My FTC Identity Theft Report directly to XX/XX/XXXX XXXX XXXX. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. 

Apparently neither the credit bureaus and XX/XX/XXXX are ignoring the Federal Law and continuing to report fraudulent accounts. 

Please remove these 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 2019-11-06
Company: CNG FINANCIAL CORPORATION
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Even though I have funds available, the bank charged me twice overdraft.

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 2021-03-06
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Accident case # XXXX Badge # XXXX XXXX XXXX lost prevention released charges when car obtained XXXX case # XXXX for report for charge Notified XXXX follow up car XX/XX/XXXX spoke with XXXX ticket # XXXX Returned key on XX/XX/XXXX day of car returnable started accident/incident report in office with worker and he was to fax paperwork in for me XXXX claim # - XXXX XXXX XXXX XXXX department XXXX * XX/XX/XXXX called, incident and impound report # XXXX XX/XX/XXXX spoke with XXXX XXXX  rep # XXXX XX/XX/XXXX spoke with XXXX XXXX rep and he stated the car is not showing as returned case # XXXX escalation and conversation with customer service XX/XX/XXXX billed by XXXX XXXX, XXXX XXXX denied charges spoke with XXXX about the charge XXXX gave me XXXX  reference number for issue # XXXX XXXX supervisor XX/XX/XXXX case # XXXX XXXX Supervisor XX/XX/XXXX drop off date on XXXX  reference number # XXXX XX/XX/XXXX XXXX  charged XXXX on my credit card disputed with XXXX XXXXXXXX, notified XXXX of this charge The XXXX charge is for 5 weeks of having the car miles show only drove XXXX miles XX/XX/XXXX -- XXXX rep customer service billing on phone with XXXX XXXX states I am being charged because the car was impounded ( it was not ) XXXX supervisor at XXXX is saying they are billing me impound fees -- case number # XXXX opened by XXXX supervisor to stop sending request of payments from me. 
Going forward my insurance closed the payments needed for the coverage I had through XXXX and I received a bill in the mail XX/XX/XXXX for XXXX which included my deductible of {$750.00} which payments were set up through XXXX, which a payment plan has been initiated with a downpayment and auto payments set up. 
I just received a bill from XXXX  on XXXX XXXX dated but received XX/XX/XXXX at the same times received a collections notice for the amount of {$4400.00} which if you previously see I spoke with someone and the case number referenced # XXXX initated for a XXXX  supervisor to stop sending request for this amount, which is now through collections which is why I am contacting you because on the back of it says to contact XXXX if any issues Kindly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Lennar Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a property located in XXXX, AZ on XX/XX/XXXX. I was contacted the beginning of XX/XX/XXXX requesting additional information from the Lennar Senior Loan Processor. This would include : XXXX proof of payment of XXXX taxes XXXX. XXXX tax return ( was uploaded during original loan process ) XXXX. Hire letter for my husband, who was actively working at the time we applied for the loan XXXX. A change in insurance coverage for the property. Lennar insurance quoted the insurance policy for the townhouse and we accepted their quote through XXXX XXXX. Lennar is not stating we need to change this policy to a homeowner policy, which in turn will significantly change the cost of the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XX/XX/2019 I received the following unsolicited message from Chase that included advertisements of Chase 's mobile app - a service that I am not interested in and of which I never requested any information from Chase. 

In the past I requested Chase several times not to send me unsolicited email messages. I had also forwarded some of those unsolicited message from Chase to them via secured messaging system, but Chase has not stopped its practice of sending unsolicited messages advertising its optional services to me. 

Since the use of Secure Messaging system on Chase 's website is not effective, I am requesting CFPB to forward to Chase my request not to send me messages similar to the attached message. Thank you.

Company response to consumer: Closed with explanation