BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently found out about a week and half after I get back from a Summer long business trip that my previous roommate or one of his constituents. Used my personal information to open four credit cards from a verity of retailers ( some I do business with ). My secondary Checking Account from XXXX XXXX was also used from my personal computer to make minimum payments and keep the accounts as long as he could. My personal documents were accessible if anyone entered my room and got on my personal computer. Everything from Copies of identifications to proof of address for my own records. I never thought anyone would do this to me so setting up a computer password was never a thought. I am a XXXX XXXX and my circle over 20 years has been honest ( Now there is a lock on my room and the suspect moved out before I could ask any questions ). Conveniently changing his number. I am a man of XXXX XXXX and dont understand how all this happened! I stand up for the right things in society. I am deeply affected and ashamed this has happened to me. I do need this resolved and pray that this never harms the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I had a second mortgage with Wells Fargo ( {$110000.00} ). I had trouble when my husband was sick keeping up with our mortgage payments ( for 1st & 2nd ). I applied for a mortgage modification with both lenders. I was told by Wells Fargo that they wait to hear if the 1st mortgage approves a loan modification, then they follow suit. In 2013 XXXX, the holder of our 1st mortgage approved the mortgage modification. Upon learning that we were granted the mortgage modification, Wells Fargo converted our 2nd mortgage into a personal loan. They placed it in default and told me that if I did not pay the full amount they would foreclose on my house. 

Wells Fargo also filed for wage garnishment with the Circuit Court of XXXX County. I received a letter in the mail after the fact, but was not notified of the I had no option but to pull all of my money out of my 401k to pay them off ( {$77000.00} ). I also had to take additional loans out to pay off the full amount. 

By pulling this money out I lost my retirement savings, I took a huge tax hit. ( this is because they changed it from a mortgage loan to a personal loan ( without my knowledge ) ) Even though I satisfied the loan it is still on my publicly view-able court record for XXXX County ( as well as for XXXX XXXX XXXX County, because they filed in both accidentally ) I have email exchanges with their attorney XXXX XXXX admitting to the filing mistake and promising to fix it. It was never fixed. 

I had no choice but to pay it off as my job requires clearance level that I would lose if I had foreclosure or wage garnishments on my records. 

I have lots of documentation from this period of time. 

I made some phone calls at the time to try to find a way to complain, but was told by everywhere I reached out to, there was nothing they could do. I would like to pursue this at this time because as I watch the news I am learning there are more and more people in bad situation due to Wells Fargo and I like them held accountable.

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 2018-12-12
Company: Waypoint Resource Group, LLC
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote Amsher Collection company on XX/XX/2021 asking them to validate this XXXXl debt. I let them know that under FDCPA, I have a right to request validation of debt that they say that I owe them. It was a breach of security because I do not have any contractual obligations which is binding me to pay this debt. I ask them to delete this from my credit profile and they have not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX Euros to Coinbase.com via wire transfer and the money was not credited into the account nor refunded in my bank account.
The money was sent on the XXXX XXXX XXXX 2017 and I wrote them on the XX/XX/XXXX the first time. They replied with an automatic response on the XX/XX/XXXX but the answer was totally not related to my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Information belongs to someone else

Complaint:
I just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries Onemain XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX  XXXX I never authorized there inquiries XXXX XXXX XXXX  XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX card  XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX  XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.

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 2019-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was just looking for different credit card offers only, since my credit has a freeze for identify theft. I have to call the credit bureaus to unlock before I can apply, and I got a notice that I was denied when I wasn't intending to apply for the credit card at Capital One. I was just viewing the offer, and interest rates. I never applied for credit, now it's showing as a hard inquiry on my credit. I need this to be removed please it's false advertising, and false information. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Service Finance Holdings, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Service Finance refuses to update my credit reports with the correct Balance I have filed many disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Credit Protection Association, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT PROTECTION ASSO is reporting a debt I do not owe. I have never gotten any compensation from this 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 2017-08-19
Company: CITIBANK, N.A.
State: FL
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:
CBNA/SEARS did a hard pull of my credit report two days in XX/XX/XXXX ( XX/XX/XXXX &XX/XX/XXXX ) without my permission. I do have an account with them that is almost paid off, but I did not authorize these recent pulls.

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 2021-02-06
Company: Telerecovery Corporation
State: LA
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:
Tele Recovery Of Louisiana updated my credit report on XX/XX/2021as being delinquent in the amount of {$380.00}. I've reached out to them XX/XX/2021 seeking providing details of such adequate services so I can identify if mines and address this issue yet they still haven't provided such information. I need assistance with this matter because this falsely reporting have impacted me financially.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$29000.00} XXXX XXXX {$7600.00} XXXX XXXX {$300.00} XXXX XXXX  XXXX XXXX {$460.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted Bank of America and provided a police report as well concerning the identity theft that occurred. Bank of America WILL NOT PROVIDE me with my signature nor where this app was done and filled out at. They are a bank that people really need to not do business with.

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 2020-01-17
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional 30 year fixed rate mortgage with XXXX with coupon based payments. I am in the process of refinancing my mortgage with XXXX. Part of the underwriting process includes requiring a mortgage statement from the current lender, XXXX. I called XXXX to request a statement and was told that because I have a coupon book, they are unable to provide a statement. This appears to violate 1026.41 Periodic statements for residential mortgage loans ( e ) ( 3 ) ( iii ) " Makes available upon request to the consumer by telephone, in writing, in person, or electronically, if the consumer consents, the information listed in paragraph ( d ) ( 2 ) through ( 5 ) of this  section ; and ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
payments for my ex wife bills were being paid from the account after I removed her from the account and contacted the bank several times. 
they then refused to comply with XXXX  and closed the account without my consent leaving me no access to past transactions which I need access to

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 2020-05-05
Company: Experian Information Solutions 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 was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to 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 2019-04-12
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
So I signed up and got approved for a {$1000.00} credit line. Best failed to get me my credit card in time and I get a late payment fee of {$27.00}. I ask them to remove the fee because I never had my card to make the payment and when best buy called me to even make a payment I still never had my card and it was already late. A week after I got approved and was waiting on my card. I called THREE times in one week to get it no my new address and they said it was on the way and I never saw it to about a month later. I called my bank to get refunded for the late fee they never took off and the whole best buy account gets pushed back 60 days and boom. So I talk to the lady and she says to me that everything okay you won't get a late fee report to your credit if you pay this amount and I did XXXX $ and my bank claim XXXX . I  made another payment of XXXX $ and till this day I don't know why I did but she claims I had another late fee soI just paid it to cause every time I call them they tell me something different. Now today I found a late payment on my credit report and he tells me it's because of my payment of XX/XX/XXXX that I didn't make a payment. Now, Remember I got approved in XX/XX/XXXX so how come I didn't get my credit card until XX/XX/XXXX and I was calling of XX/XX/XXXX. Best buy is to blame for this for the simple fact I had no credit card to sign up a credit account online to pay them because I ALWAYS pay a month ahead on my credit and poor communication of telling me to pay ahead so I can avoid a late fee.

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 2022-08-11
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is against FedLoan Servicing, the Loan company that has been selected to help service the " Public Service Loan Forgiveness Program ( PSLF ). '' I have been trying to work with them for many years and continue to have difficulty with their review of my qualifying payments. They have re-reviewed my account ( at my request ), which takes over a year, and still have not responded to my questions regarding being forced into forbearance during their recalculation periods and the fact that I am still missing 20 qualifying payments. I should be eligible for loan forgiveness in XX/XX/XXXX, but have been given the " tentative date '' of XX/XX/XXXX. 

1 ) The months of XX/XX/XXXX and XX/XX/XXXX were forced forbearance due to FedLoan Servicing needing to recalculate my payments. I still had to pay my bill ( which was over {$300.00} higher than my normal consolidation payment ) during that time. When I spoke with FedLoan Servicing, they said that they would refund the money from my XX/XX/XXXX payment as well ( if it didn't count toward my PSLF forgiveness at the time ) or use it toward a future loan payment. This never occurred, so I am asking if I may please receive the money for these months as a credit to my account OR have those 2 payments count toward PSLF.

2 ) I understand that XX/XX/XXXX was another time of forced forbearance due to FedLoan Servicing 's recalculations. However, when I go back into the online payment history, I do not see any other payments for this month and/or prior to this date being counted. I can go back to my paper files to verify the amount paid during these months if need be, please let me know if this information would be helpful to you, as I have consistently paid my monthly loan bill since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I attempted to transfer XXXX XXXX  dollars ( {$1000.00} ) from XXXX XXXX  through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, XXXX  XXXX XXXX and Citi Bank ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to Citi Bank. We have never had an account with Citi Bank, so we tried to reach out to Citi Bank and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that Citi Bank was involved but could not and would not give me any information regarding the money being sent to Citi Bank. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief