BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-06
Company: Midwest Recovery Systems
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:
I received an alert that a new account had been added to my report via XXXX XXXX. The new account being reported is Midwest Recovery Systems. 

This account is not mine. This company violated the California FDCPA ( XXXX Fair Debit Collection Practice Act ) by reporting false information ( not my account ) and by Not sending a dunning letter before attempting to start collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: AL
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 am writing to dispute fraudulent charge on my account. I am a victim of identity theft, and did not make or authorize this charge. I am requesting that the charge be removed, and any finance and other charges related to the fraudulent account be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: ALLY FINANCIAL INC.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
I attempted to deposited a XXXX check at Ally Bank in order to wire it my title company so I could purchase a house. Ally Bank 's website indicates that they hold checks of that amount for 5 days with graduated deposits. Meaning the first day you get XXXX dollars, the third day you get XXXX dollars and the 5th day you get the whole amount. In my situation none if this was followed. They received the check on XX/XX/XXXX and it is now XX/XX/XXXX and XXXX dollars have been deposited in my 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 explanation
Consumer complaint received 2020-01-22
Company: Republic Credit Indemnity Companies, Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for bankruptcy and it was discharged XX/XX/XXXX. I have received at least two notifications from Republic Equity Credit Services the letters include documentation from the original creditor XXXX  XXXX XXXX. The most recent notice from Republic Equity Credit Services on XX/XX/XXXX. I decide to look into why they were sending me this notices. I meet with a bankruptcy attorney and provided him with all of the documentation that was sent from Republic Equity Credit Services. The attorney informed me that this is fraudulent because both creditor are documented in my bankruptcy and the date of by bankruptcy is not documented on the letters. He also inform to review any Liens or Claims on my property with the XXXX County Recorder of Deeds. After visiting the XXXX County Recorder of Deeds I discovered there were know additional liens or claims on my property other than my current mortgage company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX reports I owe {$2800.00} to them on my credit reports this is my last attempt to try to get them to remove this account from my credit reports before i use my tax money to get a lawyer and sue XXXX XXXX XXXX XXXX and the crecit reporting agency 's. I did not make the charges on this account never received tge card in tbe mail these are not my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
On XX/XX/2020, BK OF AMER add a hard inquiry on my credit report per 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 2020-12-04
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I submitted my mortgage payment of {$980.00} and on XX/XX/2020 my bank confirmed that Caliber Home Loans had charged the mortgage amount twice. So one payment of {$980.00} posted on XX/XX/XXXX while another payment of {$980.00} is pending/on hold. As of XX/XX/2020 I still do not have access to these funds within my bank account. I contacted Caliber Home loans customer service department and was told that the money would be returned to me shortly. I am in the middle of this pandemic with no financial assistance and I am relying solely on my VA XXXX  compensation to live/pay my obligations. So to have an extra {$980.00} withheld from me without a full explanation other than that it is a technical error within their system is truly unacceptable. I have no money left over to pay the rest of my bills or to purchase groceries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: AmeriCollect
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXX XXXX AMERICOLLECT XXXXNC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX AMERICOLLECT INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Citizens Bank ends in XXXX, I had submitted payments for my county taxes, XXXX XXXX payments, phone bills, internet bills, utility bills, all payments were rejected by the bank for no valid reason, when i went to the bank i was informed that there is a freeze on my account. 

NOTE : I'm not a party to any pending legal lawsuit, I'm not a party to any garnishment or forfeiture, the bank manager at the XXXX XXXX branch refused to disclose any information to me. 

The bank responded to by claiming pending legal action, I want the Citizens Bank representative to be investigated separately for providing false affidavit in writing to CFBP, in connection with an ongoing investigation. 

I would like this incident to be investigated, i want copies of any documents in the bank possession in reference to this matter, the bank has a duty to investigate any allegation, and can only act upon an order from the court. 

Again all I want is the documents that shows that Citizens Bank had the authority to put the HOLD on the account and on what basis. Anything other than a statement from Citizen Bank Employees ( Agents : XXXX XXXX, XXXX XXXX ), because they had proven to be involved in giving false affidavit in writing to CFBP, in connection with an ongoing investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Account number ending inXXXX XXXX XXXX XXXX I opened my account in XX/XX/2020. I was promised before opening my account that if I spent {$500.00} or more in purchases within the time given by Capital One I would receive my {$150.00} bonus. I met these requirements but Capital One has refused to give me my bonus. 

This is the email I received from Capital One. 

To earn this bonus, you needed to spend {$500.00} on purchases within the first 3 months of account opening. As of the date of this letter, you have not made at least {$500.00} in purchases, however, per your request, we have extended the time period for you to make purchases to qualify for the rewards bonus toXX/XX/2020 as a one-time courtesy. 

By XX/XX/2020 I had spent a total of {$530.00}. Therefore, Capital One owes me my {$150.00} for the new customer bonus cash and needs to be credited to my account ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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:
These two accounts seemingly sharing an account number, were both opened fraudulently on XX/XX/2015. I've since certify mailed a dispute letter including Identity theft report, affidavit, social, ID, and utility bill for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
About the beginning of XXXX, my daughter XXXX started college about two or three weeks after she started school she lost her debit card which she reported lost as soon as she noticed it missing, later on, charges started to appear or XXXX 's account adding up to {$14000.00}. The following Saturday when I was getting ready to pay my bills I noticed there was no money in my checking account, tried contacting Chase customer service to get an explanation why my bills money was no in my account, but all I got was a name and a phone number and when I called the number they provided got no answer and had to leave a message. The following Monday tried calling the number again and left another message. When I finally got a call back from the Chase person all he did was accuse me of stealing the {$140000.00} and told me if I did not pay this funds by XX/XX/2018, Chase was going to take everything I had even my retirement funds. I just told him I did not know what he was talking about, but he proceeded to treat me like a thief and assuming XXXX took this funds and we had to pay Chase back for it. I was very scared and still am because of all the threatening the Chase person said to me. I would like Chase to clear my record because I have never stolen anything from anybody I am a proud honest poor single mother who lives paycheck to paycheck and did not steal their money and neither did XXXX. This year I am working very hard to purchase my home, but the Chase person also said they are going to mess up my credit and I think this is not fair. It makes me wonder how Chase allowed someone to withdraw {$14000.00} from a high school account that never had more than {$300.00} balance in it. During all of this time, I kept receiving letters from Chase stating the account was close, but the charges kept showing. Also allow me to point out all of the transactions happened in XXXX, NY and we are in XXXX NY. I can provide documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: EQUIFAX, INC.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian and XXXX  are still reporting inaccurate and unverified information particularly 2 bankruptcies on my credit report. Experian & XXXX  have stated that they verified this information via the court & XXXX XXXX both of which are lies, the court house provided a letter stating they do not verify any information to any third party vendor or credit bureau, a formal complaint has been filed against XXXX XXXX in which they replied they removed both bankruptcies due to not being able to verify, I have attached the letter from XXXX XXXX in which they have removed the bankruptcies. Experian and XXXX  must do the same since there is no bankruptcies to verify.

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 2021-04-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a refinance from Cardinal Financial with XXXX XXXX on XX/XX/XXXX. We agreed to go with this company because XXXX agreed to adjust the Origination fee from {$890.00} to {$450.00}. There were so many delays, lack of follow up, and multiple requests for information that had previously been supplied that the closing did not happen until XX/XX/XXXX. We never asked for an extension, had wanted a timely closing. When the final Loan Document came I questioned the Origination Fee not being {$450.00} as promised, and on XX/XX/XXXX XXXX assured me it would be reduced. On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX I reached out to XXXX again, because the amount had not been adjusted. XXXX finally answered me on XX/XX/XXXX and said that they would not adjust the origination fee to {$450.00} as initially promised, because they waived rate re-lock fees. We never asked for an extension, always provided requested information the same day requested, and signed all documents immediately. I believe this is unethical, deceitful, and unscrupulous business practice and do expect them to stand behind their commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: AES/PHEAA
State: NV
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:
On X/XX/2017 I received a notice that my loans were due since I was now out of school. These two loans were loans from previous institutions and had already been consolidated. When I returned to school they entered deferment until I graduated in XXXX of 2017. I called and spoke to them regarding my account and I was given the option to do an alignment forbearance to bring my previous loans and the loans I acquired while finishing school into alignment so that I could consolidate them all, they would all be due in XX/XX/XXXX. I called to follow up on my request on X/XX/17 after I had n't received confirmation of my alignment forbearance being processed. The gentleman advised that it looked like it was still being processed and to be patient. He advised me that they do not report late payments until 90 days and I should be receiving a confirmation shortly. I received another notice today that I am past due so I called them to discuss my account. It is now X/XX/17, the girl I spoke to advised that I was not eligible for an alignment forbearance and that I would need to make the past due payment immediately. I explained the situation and she put me on hold to review my account. She did see the prior conversations and that I was given incorrect information. Her only response was that she would file a complaint on my behalf for her superiors to review and said she would forward paperwork to re-certify my loans to lower my payments and that she would request a situational deferment to clear my past due balance until XX/XX/XXXX when my next payment would be due. I advised that I was not satisfied with this result and that I am very unhappy that I was given incorrect information twice and that I would have handled this differently and made arrangements to do the re-certification or make a payment back in XX/XX/XXXX and not let my past due balance get to this point. Also, not one time in any of the conversations was I advised to continue making payments until my request was processed. I was told that once the alignment forbearance was processed it would be retroactive, and now come to find out that I was never eligible for the option they suggested. The service company is FedLoan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
To whom it may concern, I opened up a TD convenient checking online on XX/XX/2020. It told me the account was opened successfully and gave me the account number and routing number. However, it didn't allow me to set up online banking unless I call the customer service number. 
And to be able to access the account and fund I just transferred from the other bank, I call the customer service which they just asked me go to branch without further authenticate me by any effort. Then I come with the solution to close the account, they even told me to hand write a letter and get notarized and send to any locations for that request. Also, they can not confirm that the promotion online was applied to my account which made me more upset. Due to that is the current information showing online at the time I called them. And they denied that and declared there was no promotion at all. 
All those effort I made to open up an account online end up become a scam and can't close out the account at all beside writing a notarized letter. 
There are bias among different customer representatives, they don't know what are they talking about and they show no obligation and responsibility to do so. 
I highly recommend to investigate this bank if it comply all the bank 's rule and law. 
Again the bank 's name is TD BANK. And the website is https : //www.td.com/XXXX  And below is the promotion still showing online : https : //www.td.com/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief