BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
My accounts was closed they're supposed to send me a check for my balance they said 7 to 10 days it's been over that I've never received anything call multiple times they've hung up on me multiple times as well when I asked to talk to the manager they refused they told me everything but actually let me and did everything besides give me their manager I'm still waiting for my check

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 2021-03-25
Company: Winklevoss Exchange LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the XXXX of XX/XX/2021 I opened an account with Gemini and deposited XXXX USD. Shortly after depositing this money, I was informed that my account was pending verification and that my money would not be available to withdraw until it was verified. After about 2 weeks I started to try to reach out to Gemini 's customer service branch only to get nothing back except automated emails encouraging me to deposit more money. I have tried everything to get in contact with them, even resubmitting all necessary documents and repeatedly emailing them. When you call their customer service number, it simply tells you to email them which only results in an automated email. They are wrongfully withholding the money that I deposited with no way for me to reach out to them for help. By letting me deposit money before verifying my account with no way to reach out to them, they have put me in a position where I have no other option than to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
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:
I would like to report the Bank of America account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by Bank of America itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.

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 2021-01-20
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 sumbitted a complaint over 30 days ago about fraudulent activity on my credit report. It truly hurts that my rights under the FCRA are being violated. These accounts have destroyed my report. I can't do anything without my credit. Please help me in fixing this issue. I am resubmitting this complaint to the CFPB in hopes that something can be done. Section 605 b of the FCRA clearly states that fraudulent items must be blocked and removed from the credit report within 4 business days. I have not received any correspondence from your company as to why these accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: EQUIFAX, 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:
I would like to report the XXXX  XXXX XXXX account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by XXXX  XXXX XXXX itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: LEXISNEXIS
State: CA
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 belongs to someone else

Complaint:
I have made multiple calls from XX/XX/2018 and submitted documents and each time I've been told by a CSR that the incident is still under review, but that they will escalate this incident to a supervisor.

Federal Law requires that you provide mechanisms to ensure that each item in our report actually belong to us. In addition, we have provided you with additional documents and information shows differently. This information is, once again, included below. Therefore if the reported items are inaccurate, misleading or incomplete ; you may have violated the Federal Law.

Also, we requested this investigation on XX/XX/2018 and now it is almost 90days. This also violates the 60 days period to complete the inquiry. I expect you to conclude this investigation immediately. If you have any questions, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 have a loan with NAVY FEDERAL CREDIT UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CREDIT UNION with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Aqua Finance, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX and BAY FINANCE CO are reporting inaccurate late payments to XXXX, XXXX, and XXXX and hurting my credit rating! I was NEVER late on this account and I have disputed these inaccuracies with XXXX, XXXX, and XXXX which stated XXXX XXXX XXXX and Bay Finance verified as accurate. I want to see transcripts showing these are true because they are False and I had my account on AutoPay. XXXX XXXX XXXX was the original creditor and transferred this account to Bay Finance without advising me! Please see attached copies from my credit report showing how they are both reporting these inaccurate Late Payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone calling him/herself " XXXX XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I have demanded that " XXXX '' provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. " XXXX '' failed to provide all of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: National Collection Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive contact National Credit Management on different occasions to delete an account on my credit report that is not mine. The first time I contact them via mailing in regards to validating the debt they failed to mail me copys that verify this debt as mine. They only decreased the debt from {$90.00} to {$70.00}. I recently filed a complaint and their only response was to close the account and return it to XXXX XXXX University.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
American Express arbitrarily lowered my credit limit from {$11000.00} to XXXX, only {$190.00} above my current balance of {$4300.00}, effectively making the card unusable for future purchases, and based upon the next billing payment, would effectively force me to go over the credit limit. This not only affects current spending ability, but seriously lowers my credit score since debt to available credit is now a much higher percentage. Credit card companies should not be able to do this to hurt consumers. American express did this to me once before back in 2008 during the financial crisis. I have never been late or missed a payment on ANY of my credit cards or other credit related instruments in 17 years, the length of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit report and found debts from a debt collector called Commonwealth Financial. First and foremost, I have never received any form of phone calls or letters at all from this company stating that I owe debts to them. I have never spoken to anyone from this company either. So when I saw Commonwealth Financial has listed the open date for these debts on my report as XX/XX/2018, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX XXXX as it states on my credit report. I have not visited any form of hospital or medical facility in many years. I believe, Commonwealth Financial has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year I last visited a medical facility, but what I do know for certain is that it was not this year. So if they did re-age my debt, Commonwealth Financial can sue to collect a debt that may be so old that it should have been time-barred. This is an injustice occurring all too recently with debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: CL Holdings LLC
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
on XX/XX/18 XXXX XXXX from XXXX XXXX XXXX contacted my place of employment. He was informed that personal calls are not accepted. He must contact me outside of my place of employment. He then informed the person that answered the phone that " Some of my personal information got out and he is working the issue '' He then asked them to provide me with callback information. 

on XX/XX/18 He called back He then spoke to XXXX. He also advised XXXX that my personal information got out and he is trying to clear it up.. She told him that she does not work in the same dept and she could locate me and transfer him.tomy voicemail. He refused to be transferred. She stated that he was extremely persistent and would not get off the phone until she took down his information.so she did. 

on XX/XX/2018 He called back. He spoke to XXXX who informed him that I did not work in her department and she could not locate me in the directory. She does not believe I work for the company. He continuously stated I did, He quoted to her what he believed my Job title was. She informed him several times she could not locate me in the directory and did not believe I worked there. He then stated that is not what XXXX told me yesterday. He refused to get off the phone without her taking down his information. She did after hanging up he called right back and asked for 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 2017-09-15
Company: Stellar Recovery, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I was contacted by Stellar Recovery Inc as they had bought a debt from XXXX XXXX The debt was for a DSL modem, which I had returned months before, to XXXX XXXX. I had contacted XXXX XXXX and told them that I had shipped the modem back to them, but because I did not have proof of this, they billed me for the modem. I explained to the Stellar Recovery Inc staff that the debt was invalid, and that I was fully contested the debt. I have heard nothing from Stellar Recovery Inc, neither telephone, nor written correspondence. On XXXX/XXXX/XXXX, I had an XXXX credit report done through my local credit union, and found that I had a notation on my credit report, with the debt showing as being generated in XXXX of XXXX XXXX absolutely false ) and that I was delinquent. This is damaging my credit, and I refuse to be bullied into paying a false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services began servicing my loan in XX/XX/2017. Since, this company is charging me over {$6000.00} ... for what they are calling " Corporate Fees ''!?? Also, {$1900.00} in " bogus '' late fees. They refused to accept my mortgage payments after alleging that my mortgage loan was in arrears two months.

I've unsuccessfully tried to correct my account for one year now and all I get is the run around. 

This company should be investigated by the proper banking agency for their fraudulent business practices & they shouldn't be allowed to do any business. 

Their business license should be revoked indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: WELLS FARGO & COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The purpose of this letter is to outline the facts of Ms. XXXX dispute with Well Fargo from my perspective. 

In XX/XX/2018 I discovered that a significant sum of money, approximately {$7000.00}, was taken out of my XXXX  XXXX XXXX checking account without my authorization. Upon this discovery, I submitted a fraud claim with XXXX  XXXX XXXX and XXXX XXXX XXXX provided me a {$7000.00} credit while they performed their investigation. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that because my username and password had been used for the transactions, they considered that an authorized transaction, denied my fraud claim and reversed the {$7000.00} credit from my account. No money was put into my account based on my claim and I subsequently closed that bank account with XXXX  XXXX XXXX. 

After receiving the fraud claim denial from XXXX XXXX XXXX, Ms. XXXX contacted me because {$2600.00} from her savings account and {$200.00} from her checking account had been taken from her Wells Fargo account stating that it was a partial reversal of unauthorized transfers. It was only at this time that I knew where the money gone ( Ms. XXXX bank account ) when it was taken out of my account without my consent. It was at this time that I discovered that XXXX XXXX, Ms. XXXX daughter and my ex-girlfriend, had taken the money out of my account under the pretext that it was to pay bills relating to the apartment XXXX and I were living together prior to the breakup. Ms. XXXX informed me that she was not aware of the fact that XXXX and I had broken up and that she was only involved in the situation thinking that the money was to pay bills. 

Because XXXX XXXX XXXX had denied my fraud claim and because I believe that Ms. XXXX did not know that the money had been taken out of my account without my permission, I agreed to help Ms. XXXX retrieve the money that had been taken out of her account as a partial reversal of unauthorized transfers. 

During the process, Ms. XXXX and I spent an absorbent amount of time on the phone with both XXXX  XXXX XXXX and Wells Fargo on numerous occasions in a failed attempt to retrieve Ms. XXXX funds. This included having to take time off work to make calls and to visit the banks in person. Both banks have pointed to each other as the reason the funds have not been returned to her and we were unable to come to a resolution. 

Ms. XXXX has kept prodigious notes which I have reviewed and I defer to Ms. XXXX notes for additional detail regarding specific dates and times we met with both banks. 

For any additional information, please feel free to contact me at XXXX. 

Thank you, 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 2018-08-09
Company: WELLS FARGO & COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
in XX/XX/XXXX I bought a car and XX/XX/XXXX it was taking from me

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 2019-01-09
Company: EQUIFAX, INC.
State: NV
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 am a consumer that is privy to the federal guidelines that agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the bureaus to send me 'validated proof ' that some debts I'm questioning are mine. After two request, I have neither received the proper validation or deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers to validate my requests. How this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to the CFPB for assistance in removing a 30 day late payment that XXXX XXXX XXXX XXXX reported to the credit bureaus in XX/XX/XXXX. The refusal of XXXX XXXX/XXXX XXXX XXXX XXXX to remove this one late payment has literally destroyed my previous long history of outstanding credit. It has also crippled me in being able to obtain any new credit. 

In XX/XX/XXXX, my Mother-In-Law was diagnosed with XXXX and had to XXXX XXXXXXXX and other treatments. I was her XXXX  for over a month. Due to this unexpected event, I overlooked being late on my Ford Credit car lease payment. When I realized that I had forgotten to make the payment, I had slipped into being 30 days past due. Ford Credit immediately reported this to the 3 credit bureaus and my XXXX credit score plummeted 100 points overnight. 

I wrote a good faith request letter to Ford Credit on XX/XX/XXXX. In the letter, I explained my unfortunate circumstance with my Mother-In-Law and the fact that I had been a loyal customer to them for the past 10 years, and 3 consecutive car leases, with no late payment issues. I received a response back from them on XX/XX/XXXX refusing to remove the late payment. The letter said that the " reported information accurately reflects our experience with your account. '' Once again, this could be no further from the truth given my 10 year history with them. 

After I received this response, I decided to reach out to the General Manager over the dealership where I had leased my last 3 consecutive XXXX vehicles. The GM agreed to try and provide assistance. After spending several weeks trying to work with Ford Credit on the removal, he was instructed to tell my husband and me that Ford Credit could not remove the late payment because " the Consumer Financial Protection Bureau rules prevented them from being allowed to remove it from my report. '' The GM confirmed the name of your organization in his e-mail exchange with me. 

Ford Credit 's stance is very hard to believe since the CFPB is in place to protect consumers. In addition, there is something inherently wrong with a credit bureau system that would allow a consumer like me to be penalized 100 points on a credit score for one 30 day late payment, especially given the tragic event that was the reason for the late payment. This is certainly not a true reflection of my credit worthiness. 

I would like to appeal to the CFPB to help me to correct this issue since Ford Credit has used the CFPB as the reason why my late payment information was not allowed to be removed in good faith.

Company response to consumer: Closed with explanation