BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I received a bank notice that unless real estate taxes were paid by XX/XX/XXXX, my home ould be put up for a tax sale. ( The notice was dated XX/XX/XXXXbut not received until XX/XX/XXXX. This is the same day the bank took action ). I usually pay my taxes late and have never had a problem before. 
On XX/XX/XXXX I went to the bank to get a cashiers check. The teller could not do it. The manger came out and said my home equity account was frozen as the bank paid my taxes. I went to my town tax collector and they said they did not receive my taxes and they did not send a notice to the bank. If I paid my taxes that day it would have been approx {$13.00} less. 
I went to the parking lot and called the bank. After speaking to more XXXX and then XXXX XXXX was pushed to a third party. A woman from the executive branch informed me they sent the payment on XX/XX/XXXX and my account was frozen. 
I have been at my same branch for over 35 years.. From XXXX XXXX to XXXX to Wells Fargo . I have 6 accounts with Wells Fargo and have NEVER had an issue before. My accounts were always paid. 
Now I find that besides my account being frozen, they have ruined my credit score I went from very good to poor. They also debited my account on XX/XX/XXXX while the check did not get to the town until XX/XX/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 2020-08-20
Company: EQUIFAX, INC.
State: GA
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent my first response on XX/XX/2020 and a follow up letter on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called on XX/XX/2020 to see why my XXXX deposit was placed on a 5 business day hold. This was money from my in-laws that have plenty of it. Why am I being treated like a criminal and not given access to my money on XX/XX/2020. Dispite telling them this i can't get approved to use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXX Balance {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX XXXXI XXXX XXXX V ) XXXX Balance {$470.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$420.00} ; XXXX XXXX  XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : 06 XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, XXXX and TransUnion are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my 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 2019-01-21
Company: Experian Information Solutions Inc.
State: NJ
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 is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

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 non-monetary relief
Consumer complaint received 2018-04-12
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a purchase from XXXX via PayPal.com for {$120.00} for some weights. When I tried to return the items, XXXX would not allow the return. They referenced their return policy and said my return was not within their time window. I responded that my return clear was within their time window. They denied the return multiple times and would not clarify the reason other than the general reference to their policy. When speaking or chatting with an individual, they would agree with my reason for a return and promise to send a return label. Then each time I would receive and email denying my return. This was a conspiracy by multiple employee within XXXX to violate their own policy and deny my return. 

I filed a claim with PayPal.com to refund my purchase. PayPal then engaged in a conspiracy with XXXX to deny my claim. They did not provide any response or rational from XXXX in denying my claim. They asked irrelevant questions, such as " why do you want to return the item '', and used the answer as a basis for denying my claim. PayPal.com policy does not discriminate on the reasons for returns. PayPal.com, in conspiracy with XXXX, violated their own policy in denying my claim. 

PayPal.com then charged and additional {$120.00} to my PayPal.com account. This charge was unauthorized and fraudulent on the part of PayPal.com and likely a criminal act. This additional charge was in violation of PayPal.com policy and was outside the scope of my original claim. I was asked for a refund ; how can I possibly incur additional charges? 

Again, this points to PayPal 's conspiracy with XXXX to deny my claim despite both XXXX and PayPal policies affirming 1 ) my right to return the item and 2 ) my right to receive a refund for returning the item. 

I am disputing {$250.00} in charges for a {$120.00} returned product. I am also asking for a criminal investigation into XXXX and PayPal.com practices. 

I should note that PayPal has refused to speak with me when I have called in. I have been put on multiple terminal holds. They have refused to clarify or provide justifications or reasons for their multiple denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. The coding on this item is incorrect and stuck in past due status. This is a F.C.R.A. violation and is mandated to be corrected and/or completely removed from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2018, my check for the amount of {$710.00} was direct deposited into my bank account that had been closed. Chase Bank told me that the funds were automatically sent back to the payroll company with my job. The payroll company said that they do not have the funds because the money directly deposited into the closed account. I spoke to an agent with Chase Bank that advised me that the check was sent to my previous address and that I should receive the check within 7-10 business days. After the wait, the check was still not received so I called Chase Bank to have the check sent to my current street address. The bank told me to fill out a Declaration of loss cashier 's check and advised to wait 7-10 business days. I filled out the form on XX/XX/XXXX.On XX/XX/2018, I created a new account as well with XXXX and deposited my check for {$950.00} with a withdrawal of {$100.00}. My new account balance should have been for {$850.00}. This account was closed on XX/XX/2018. The agent I spoke with told me that the balance was mailed to my current address and to wait 8-10 business days. On XX/XX/XXXX I called Chase to see where both of my checks were and they told me that they never sent them out to the payroll company or my address because they could not verify where the check came from. It's been almost 2 months and I still haven't received my checks. I'm furious!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
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:
There is a fraudulent XXXX charge on my debit card for {$4.00} and it is nearly impossible to reach anyone at Chase 's customer service line. They apparently have used COVID as an excuse to not have anyone working anymore, also it is impossible to reach any local branches by telephone. I do not shop on XXXX and it is distressing to know you can not reach anyone at Chase to help in the event that your debit card has been compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: Recovery Solutions Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is sharing information as a collection tactic with family and friends, my biggest worry is how they have obtained the private cell phone number of my family and friends.They are sending tex messages. WE have reffered them to our company attorney and they continue sending text messages to my family and friends along with multiple threatning calls a day. I am XXXX years old and this harrasment and defamation is hurting my health. We have already provided our attorneys information yet they persist with this harrasment on a daily basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance with XXXX XXXX is due XX/XX/2019. XXXX has already sent the new policy and an invoice to Roundpoint, and Roundpoint has not responded. I have twice emailed the new policy to Roundpoint as well.

The online chat for Roundpoint has not been operational for the past few days ( including today ) so you can't get a hold of anyone. I need this homeowners insurance paid by XX/XX/2019. There is plenty of money in the escrow account. 

I also noticed that Roundpoint just settled a class action lawsuit for lender-placed insurance.

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 2019-01-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The complaint revolves around the procedure of the supposed employees of the Equifax Credit Reporting company. I believe there are scam artists working within the company. Each time I was given a new number to call, the same voice answered the call and asked for more secure information. The calls were all out of the Country. I was trying to dispute an incorrect report on my account. I left my phone number, and the call was returned with one of my old cell phone numbers. Please help me to end this action. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: NCB Management Services Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Mid-day XX/XX/2020 ; I reached out to XXXX XXXX XXXX to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from XXXX XXXX XXXX or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to NCB Management Services , inc. and said for anymore information that I should call them. I called NCB Management Services, inc. shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. 

On XX/XX/2020 ; I recieved a letter from NCB Management Services , inc. that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise NCB Management Services , inc. a payment of XXXX. Nor do I believe I was informed by NCB Management Services , inc. during any point in communication that I had the ability to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

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 explanation
Consumer complaint received 2021-08-19
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from XXXX, informing me I was involved to a law suit with XXXX  XXXX XXXX. Due to their Fraudulent advertisement schemes and promises to Veterans all loans will dismissed. 
I contacted the university, then Mohella whos owns the university as well as the dept of education. And now one knows anything about it but Acknowledge the loan should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: MS
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 outdated addresses, incorrect names and inquiries that I did not authorize on my Equifax credit report. I submitted a letter twice, one on XX/XX/2020 via mail and XX/XX/2020 via fax and mail requesting that the items be removed. I did not get a resolution into this matter. I even submitted a fraud report to let them know that there was fraudulent activity on my account but all I got back was a generic letter which was around XX/XX/2020. It took 60 days for them to respond to me, when XXXX  and XXXX  were able to remove these fraudulents inquiries and outdated information from my credit report with no problem. That is unacceptable when my credit is at risk, which may have been due to their security breach and they move so slowly to respond and when they do they do not resolve the issue at hand.I am also working with creditors in regards to accounts that do not belong to me. I understand Covid-19 but when other credit bureaus are able to respond to consumer disputes in less than 30 days, why in the world is it taking Equifax 60. Is that not a FCRA violation? I want the old information removed any incorrect spellings of my name removed and these inquiries that I did not authorized removed. I had a fraud alert placed on my credit report because of the fraudulent information that I discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Resurgent Capital Services regarding an account that is NOT mine in XXXX ( XXXX XXXX ). In XX/XX/XXXX, after I disputed the debt, Resurgent told me, in writing, the account was closed and I would NOT hear from Resurgent or any of its affiliates again regarding the account. Then In XXXX of XXXX I get another collection from Resurgent for that same account ( which apparently could NOT be properly validated the when I disputed in in circa XX/XX/XXXX ). In addition to a collection letter, I also received a " account summary report '', presumably to serve as validation of the purported debt. However, this report was prepared in house, and admittedly based solely on information provided by a third party - not the original creditor. Such in house report prepared XX/XX/XXXX.

Company response to consumer: Closed with explanation