BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney. My money was wired from my Bank of America checking account. The receiving bank is XXXX Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. I know my money is frozen at XXXX Bank, but neither bank will cooperate in returning my money. XXXX is holding my money hostage and Bank of America continues to lie to me every time I call.

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 2022-12-01
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3200.00} ), XXXX XXXX XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$680.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$400.00} XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Im applying for the wellfargo settlement regarding consumer complaint. I have a well Fargo account with Well Fargo between 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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Trans Union is reporting inaccurate information on my credit report. Trans Union is reporting the wrong removal date, reporting XXXX for XXXX XXXX XXXX XXXX XXXX XXXX has it reported removal date XX/XX/ That is a huge difference. Furthermore, XXXX XXXX XXXX have already removed it early. I have proof, I'm just waiting for them both, to send me a letter of removal. Trans Union is violating FCRA by reporting inaccurate information on my credit report & the creditor is providing the same information to all Bureaus. I shouldn't have to wait 5 months for this account to be removed, when the wrong removal date is past the statute of limitations. This inconvenience & violation will cause me negative issues when obtaining future credit. I'm requesting Trans Union remove it by XX/XX/ or before. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
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 placed a security freeze on my TransUnion credit report due to previous fraud on XX/XX/2023. On XX/XX/2023 I was alerted to two new inquiries & subsequent accounts on my report for student loans from " Dept. of EducationXXXX '' in Texas, which are NOT my accounts!! ( I am almost XXXX & live in another state. ) I have repeatedly tried to contact TransUnion by phone, online, etc. & they have me locked out to dispute this obvious identity theft. Since I established a security freeze prior, they should NOT have even allowed any accounts to be opened or inquired about without contacting 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 2017-06-21
Company: Higher Level Processing
State: VA
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:
The company has been deducting monthly payments since XX/XX/XXXX 2016 and none of the payments have been submitted to the Department of Education towards my Public Service Forgiveness Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
my name is XXXX my cell is XXXX my email is XXXX, i am a XXXX XXXX XXXX, on XX/XX/2020 i recieved an sba ppp loan for XXXX $ i have my business in my suntrust business account, suntrust recieved the wire from sba and cleared the funds, they then froze my bank account on XX/XX/XXXX with 0 warning or explanation? they lied too me numerous times saying they would release my funds? they havent, i hired an attorney, XXXX XXXX XXXX we have been dealing with the suntrust parasites for 67 days now, they have hurt me, my business, my employees and my family by holding up funds that were needed for my business that has been decimated due to pandemic, sba said they cant freeze my funds, and called suntrust ceo XXXX pure evil, my attorney and i have sent demand letters, made complaints with sba, irs, banking commission, federal reserve and attorney general and have gone too multiple media outlets including XXXX, and XXXX, they have my funds, they are making money off the interest and are destroying my business and my life, please help me immediately, my attorney and i have done everything possible, please help me, thank you, 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 2020-10-18
Company: CITIBANK, N.A.
State: MD
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:
On XX/XX/2020 I accidently ordered a smartphone from XXXX on my Citi Costco visa credit card and immediately sent an email to XXXX customer support to cancel my shipment. XXXX replied back stating that the order was in process hence it could not be cancelled and requested that I refuse acceptance from XXXX  and have XXXX  return the shipment back to XXXX and they will then promptly refund full amount of {$420.00} to my Citi visa credit card. 

I got confirmation from XXXX that XXXX was returning the shipment of the smartphone back to them. 

I opened a dispute with Citi immediately for the {$420.00} charge on XX/XX/2020 since a charge from XXXX appeared on my account on that day. Citi visa issued me a conditional credit for {$420.00} and reversed it shortly after stating that vendor had indicated that this was not a refundable product. 

I contacted XXXX  that I was not issued a refund despite the fact that I had cancelled the order prior to shipment and followed their directions and their promise to refund the full amount. They sent me a email on XX/XX/2020 that they had refunded my full amount to Citi visa credit card with XXXX  reference number for the refund. 

I forwarded this information to Citi but Citi claims that they have not yet received the refund! 

I need help from you since I was charged for an item that I never received and that was cancelled prior to shipment by me. XXXX  claims they have issued a full refund of {$420.00} via XXXX  with a reference number provided to me but Citi Visa claims they did not receive the refund and charge of {$420.00} remains on my Citi Costco Visa Credit card.

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 2020-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX  issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX Balance 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 2023-05-13
Company: Veros Credit, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In a letter dated XX/XX/2017, Monterey Financial Services LLC located at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA claimed that they have been assigned a debut form XXXX XXXX XXXX for servicing. The debt balance is listed as {$50000.00}. 

We replied with a letter on XX/XX/2017 with specific instructions of providing detailed info re this debt but have never received any response. 

We have never engaged or used XXXXXXXX XXXX XXXX in any way in the past of present and do not believe this debt is ours to pay. 

Since that letter, we have been called on a regular basis by XXXX XXXX XXXX to try and get us to address the debt. Now, this same group is calling relatives in an effort to bully us into paying for a debt that is not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Professional Credit Management, Inc
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please refer to Complaint XXXX I repeatedly disputed a medical bill that I was not familiar with. The amount is {$940.00} for a XXXX XXXX. During the time of the procedure I was pregnant and covered by state healthcare. I should not have had any medical expenses. XXXX  XXXX are not typically performed on XXXX XXXX. I have no reason to have had a XXXX XXXX  I contacted the original creditor in which they informed me the bill belong to another patient with my same name but a different DOB. Contacted the collection agency again and was given the run around. I asked that they verify the debt. They refused. Filed CFPB complaint XXXX to help get this resolved. It came back validated once again. I then called the original creditor to get additional details. My assumption was that if the medical bill was, in fact, mine then I should be able to get my test results and medical records. I could not. It was determined again, that the bill belonged to another patient. The original creditor emailed the collection agency her findings. 

I am concerned about the due diligence of collections agencies, credit reporting agencies, and consumer protection agencies. For a debt to be returned " validated '' repeatedly when it was not is very concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Simple, a bank that had been merged into BBVA but run as its own company was ultimately folded into BBVA on XX/XX/2021. Simple was a no-fee bank. BBVA is a traditional bank, i.e. full of fees. While they did disclose their fee schedule, " services '' such as overdrafts and paper-billing ( separately charged ) were opt-OUT and applied immediately, regardless of the customer 's ability to access their account ( which many were not ). These services can also NOT be opted-out of via the mobile app, further limiting user 's ability to avoid fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In XXXX we filed for Chapter XXXX and a repayment plan. Ocwen Mortgage bought our mortgage in XXXX of XXXX. We came to the end of the Chapter XXXX at the end of XX/XX/XXXX. Ocwen signed all the necessary documents showing the end of this plan. Starting in XXXX of XXXX, Ocwen started billing us for back interest and late payments and any other fees they could come up with. The bankruptcy court notified Ocwen to correct all of these additional fees. They were also in contempt of court due to not showing up for the court hearing. The payment on this loan has not been paid since XX/XX/XXXX due to the attorney telling us not to make it until everything was corrected by Ocwen. Ocwen is hiding all of this and not even reporting it past due on the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: AES/PHEAA
State: NC
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 XX/XX/2018, I requested a second debt validation via certified mail. AES has failed under the FDCPA to furnish the following : 1. Proof of a permit number that they are licensed to collect a debt on North Carolina Consumers.

2. A copy of all the ORIGINAL documents required under the Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it.

3. A complete payment history on this account.

4.All original copies reflecting an agreement to pay the alleged debt.

5.Copies of all invoices, bills, and notices concerning this alleged debt.

6.If this debt has been purchased or assigned, AES has failed to provide a copy of all related agreements.

7. An explanation of why AES is not reporting on my credit report item is being disputed.

8. Evidence that AES is authorized and licensed to receive payments on this alleged debt.

9. The reason why AES / XXXX XXXX is not accredited with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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:
In XX/XX/XXXX I became aware of a fraudulent credit card opened with Pentagon Federal Credit Union. I did a dispute over the phone in XXXX, and it was not resolved. I sent a formal dispute through my identity monitoring company with a full identity theft package including proof of id, proof of address, identity theft affidavit, police report info, etc to the company on XX/XX/XXXX. On XX/XX/XXXX, when following up on the dispute, XXXX at Pen Federal stated that the representative who was working on the dispute/case no longer worked for the company and asked us to resend the dispute package again because they could not locate it. A dispute package was resent to the email they provided for XXXX XXXX XXXX We have never received confirmation that the account was being disputed under FCRA regulations. In XXXX Pen Fed started collection actions on the account although they confirmed that they saw the account in dispute. They have not sent any correspondence and are in violation of consumer rights under FDCPA and FCRA regulations.

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 2020-10-23
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 contacted the company on XX/XX/2020 and sfvised them that all three credit agencies Equifax, XXXX XXXX and XXXX were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: VA
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 sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Global Lending Services LLC
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: Account information incorrect

Complaint:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have r permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )

Company response to consumer: Closed with explanation