BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I, XXXX XXXX XXXX, was the victim of a scam. I deposited an out-of-state check in the amount of {$2900.00} into my checking account which I am on jointly with my wife, XXXX. The account is with Bank of America. The deposit was made on XX/XX/2019. That check was made available the very next day on XX/XX/2019. On XX/XX/2019 ( some 10 days later ), the check did not clear and our account was overdrawn by this amount. The bank proceeded to take money from our checking and savings accounts to make up for this shortage that was a result of this {$2900.00} check. The check was drawn on an account from an out-of-state bank in XXXX, Florida. We went to Bank of America in XXXX, California at the XXXX XXXX XXXX location that same day and spoke to XXXX XXXX, the Relationship Manager. She contacted the claims department. They told us the same day there was nothing they could do and that conversation was followed up with a written notice on XX/XX/2019 confirming the same information. We, as consumers, could not have known if this account was closed or if it really existed. In addition, we were charged two overdraft fees, one described as a returned item chargeback fee for {$12.00} and the other was an overdraft protection transfer fee in the amount of {$12.00}. These transactions aided in depleting our accounts. 

We feel, as customers of Bank of America, the money should not have been made available so soon without the bank doing any due diligence to verify if the funds of an out-of-state check were available or even if the account existed in the first place. For the bank to have followed up on this transaction some ten days after the deposit, it was irresponsible and the bank was derelict of their fiduciary responsibility to us as customers. It is for this reason all monies that were taken from us as a result of this transaction should be refunded to us. 

This event has made us feel extremely discouraged not to mention the humiliation it presents because the check was part of a scam done to me. I must admit I have had bouts of XXXX because of this. We did not have a lot of money saved when compared to other people, but we worked hard to put away what we had saved. I lost my job not many days before this happened to us so, this entire occurrence has been quite disparaging and in our opinion, hopeless. I only trust that we can receive your fullest consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: GA
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 went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized. 

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX US BKPT Identification Number XXXX XXXX BKPT Identification Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX and XX/XX/XXXX my apartment was opened illegally and items were stolen. The police fingerprinted and filed a report on the spot. I have renters insurance through USAA. They asked me to upload the police report which I did right away and all photos of my belongings that were stolen. They asked me to also upload any receipts I had. I did this but they were ignored and they made me upload them 3 times in addition to sending them the very same day via email which they asked me to do. They put a woman named XXXX on my case and things went really slow and she never knew where anything was. She told me an agent needed to come to my home and ask me random questions and see photos and videos they already had in their possession. I was put off by the face that he couldnt interview me by phone but had to come to my home. I need assistance I am being denied due process and they are making errors on my claim. Usaa

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX XXXX # XXXX is reporting a collection to my credit with a balance that was paid off in XX/XX/2016. There is no reason this should still be reporting a balance and I would like it removed off of my credit report immediately.

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 2017-03-01
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
HSA Bank, a division of Webster Bank, XXXX, has not sent me the requisite tax form for XX/XX/XXXX. I contacted its customer service, which gave me the run-around. The XX/XX/XXXX form is available online, but the XX/XX/XXXX form is not yet available. My understanding is that banks are required to send out tax documents by the end of XX/XX/XXXX following the end of each tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Phoenix Management Solutions, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BACK ON XXXX OF 2015, XXXX XXXX COMPANY PLACED A COLLECTION ON MY REPORT IN THE AMOUNT OF {$5300.00}, THE COLLECTION AGENCY IS PHX MGMT SOL, AND I DIDNT OWED THEM ANYTHING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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:
Complaint on Equifax ( Credit Reporting Agency ) On  XX/XX/XXXX, I researched my credit report and found the same error on all three credit reporting agencies credit report ( XXXX, Equifax, & XXXX ). 

I disputed the following entry on all three credit reports : XXXX XXXX Joint Account ; Line of credit : {$5000.00} close : XX/XX/XXXX Note : I never had a line-of-credit with XXXX XXXX. 

XXXX and XXXX promptly investigated and removed the XXXX XXXX  line-of -credit entry from my credit report. 

I had never heard from Equifax. On XX/XX/XXXX, I telephoned Equifax and the call taker told me that I had to provide them, in writing, my social security and drivers license number, before they can provide any relevant information to my complaint. This is redundant. Obviously, writing a social security number and/or drivers license number on a piece of paper does not provide Equifax with any additional details about me, as I can provide my drivers license number over the phone. I had previously provided my social security number to the call taker. Moreover, providing my social security number and/or drivers license number-in writing- via fax or U.S. Mail causes potential for fraud and theft, and/or identify theft. 
I would encourage Equifax to be more consumer friendly and utilize best practices in the investigation of credit reporting disputes like their competitors, namely XXXX  and XXXX. 
I urge XXXX to respond to my XX/XX/XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON XXXX AND EQUIFAX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi There : We previously lived in an Apartment complex called XXXX XXXX who required us to obtain our television through a company called XXXX XXXX XXXX. They incorrectly billed us for a modem that we NEVER PURCHASED from them. 

After we moved out of that complex, they sent us a bill for the modem. We called more than 5 times, spoke with numerous people, managers, etc whom all acknowledged the error and confirmed they would remove the charge. They reassured us that this bill will be removed. 

After 6 months, we received a collections notice from a company called Awa Collections, indicated that XXXX XXXX XXXX is sending us to collections for a bill of {$51.00}. 

This will negatively affect our stellar credit, it is completely wrong, and needs to be corrected. 

The CFPB should contact XXXX XXXX XXXX  and require them to correct their unscrupulous bill collection methods. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2017 there have been at least 10 " hard '' inquiries on my credit reports that were not authorized. These include two from XXXX and one each from XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and two from XXXX XXXX. 

I have contact the bureaus and each of the companies involved. I was told today by one of them - XXXX - that it would take 8 to 10 weeks to resolve. This is not acceptable!! 

XXXX said I needed to get letters from each of the companies acknowledging they made a mistake. THIS IS YET ANOTHER EXAMPLE OF HOW LITTLE THE CREDIT BUREAUS DO! THEY BLINDLY ACCEPT WHATEVER CREDIT GRANTORS OR COLLECTORS SAY WITHOUT ANY ATTEMPT TO DETERMINE ACCURACY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My wife and I received a " Notice of Assignment to a Collection Agency '' on XX/XX/XXXX from a company called Professional Account Management , LLC in relation to an alleged toll violation in the state of Georgia, with an issue date of XX/XX/XXXX. 

Per independent discussions with Professional Account Management , LLC ( PAM ) and the State Road and Tollway Authority ( SRTA ) -- there does appear to be a legitimate relationship between the agency and the collections company. A customer service representative from SRTA confirmed that the SRTA often retains Professional Account Management , LLC for their collections services. Unfortunately, we never received a prior notice from the SRTA with any details of the violation either via physical or electronic mail. Typically, we would expect to see a photograph or other proof of the violation. Additionally -- upon searching both the SRTA and the PAM websites with the alleged violation #, license plate #, or PAM notice # ; no information is available and no records can be located. I spoke to customer service representatives with both the SRTA and PAM over the phone ( after waiting on hold for a significant amount of time ) -- neither of which were able to identify or locate any violations based on the information received in the physical notice from PAM The fact that no record of violations can be found by either the agency or company has led us to believe this is a phishing request to collect a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Continental Finance Company, LLC
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: EQUIFAX, INC.
State: GA
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:
I have been in contact with XXXX XXXX via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 took a look at my report and there are fraudulent accounts displaying 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 2019-10-02
Company: EQUIFAX, 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 status incorrect

Complaint:
I filed a complaint to to CFPB on XX/XX/XXXX. I received your response but no response or correction from XXXX  or Equifax. How do I get them to upgrade my scores?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Greentree mortgage company gave us a loan XXXX years ago at a 12+ interest rate. It was a predatory loan that we paid {$700.00} a month on for XXXX years. When this home was purchased it cost us {$56000.00} after XXXX years we owed {$64000.00}. They would not adjust our interest rate because they said it was private investors. They charged {$55.00} a day for every day we were late on our payment. This practice should be illegal and they should not be able to try to collect this amount from us because we have paid the cost of the house at approximately {$110000.00} and still owe {$8000.00} more than the original price of the home. This debt should be forgiven and should not impact our credit rating

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX there was a hail storm in XXXX, CO that damaged my home extensively. Due to the dollar amount of the damages, my home owners insurance company, XXXX had to make the checks out to myself, my wife and the lender for the home. The lender 's process to release the payments is to release 50 %, then send an inspector, then release 25 % more then inspect it again and then release the final 25 % when the restoration/repairs are complete. 

The lender for my home, Rushmore Loan Management has had the majority of the funds for over 3 months, totaling {$16000.00}. I have filled out all the necessary paperwork, beginning four months ago. I have called a total of 14 times to find out when they would be releasing the funds so I can proceed with repairing my homes. They have given me every different excuse in the book on why the funds have not been sent. 

Here 's a small breakdown on my communication with them ( most recent ). On XX/XX/XXXX they told me that the hand writing was too light. This is not accurate as the email came from me and it 's crystal clear. Last week on XX/XX/XXXX, a " manager '' there named XXXX XXXX told me that she was going to call me that day with a tracking number for the check being sent. 

On Friday, XX/XX/XXXX I called and the call center person told me that they were waiting for the payee information to be approved. 

Today, XX/XX/XXXX I was given two different reasons for it not shipping. The original person who answered the phone said they were doing a system update today. Then a manager named XXXX ( employee # XXXX ) gave me a different excuse about the IRS approving the payee on the check to be issued. She told me it would be shipped on XX/XX/XXXX or XX/XX/XXXX at the latest and said that she would call me when it does ship. They have told me this before and have never, ever called me. 

For context, I have three windows that are boarded up in my home from the storm and nothing has been repaired except for the roof, downspouts and gutters because I need the funds from Rushmore to complete the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow payment calculation ( per month ) went from {$330.00} to {$3900.00} per month. My total monthly payment increased from {$1200.00} to {$4800.00}. I called on 3 seperate occasions to have the issue resolved however nothing has been done. I would expect a mistake of this magnitude to be fixed promptly but it has basically been ignored.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 and Transunion placed a collections XXXX XXXX on my credit report without my knowledge or verifying that the debt was mines. I did not receive anything in the mail about this collections.

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 2018-03-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Deceptive balance availability. They pick and choose which transactions to include in your viewable balance. Charged {$350.00} in overdraft fees on XX/XX/XXXX after I made sure to check my balance via app and at the ATM. Customer service proceeded to tell me that their ATM 's do no give accurate balance updates but would not address the app issue. Would only waive {$74.00}. Noticed on XX/XX/XXXX after I made two transactions to XXXX that my balance reflected BOTH transactions, but then on XX/XX/XXXX when I looked at my balance on my phone my balance was missing the second transaction, therefore showing at {$98.00} dollars more. Fifth third is deceptive with how they report your balance on a daily basis, they withhold and retroact transactions to get more money via overdraft fees and when you utilize their once a year refund they will only give you partial back. Will no longer be using 5/3rd as my personal checking provider.

Company response to consumer: Closed with explanation