BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XX/XX/2020 I went to Bank of America in XXXX NJ to withdrawal from account number XXXX amount of {$780.00} from New York unemployed insurance direct deposit. But teller said she can't withdrawal the money. 

XX/XX/2020 Visit at Bank of America in XXXX NJ again and have conversation with XXXX XXXX Financial advisor. He contacted risk department over the phone and have them explained why i can't withdrawal my money and what happened to my accounts status that showing CLOSE without my permission and without notifying me before closed the accounts. 

She explained that because my accounts have several fraud claims recently and currently have claim number XXXX amount of {$480.00} ( ATM fraud ) claim number XXXX amount of {$490.00} ( Fraud cheque ). That happened because of identity theft and bank false to verify identity. Bank of America release the funds ( ATM withdrawal fraud ) before the cheque clean. 

She said that bank have to finish the investigation before do anything with the money that have left in my account and request me to fax the police report to XXXX. 

Before this situation happened. I have noticed Bank of America several time that my driver license, SSN card, my telephone number and many of my ID include Bank of America debit cards and credit cards have stolen. And i'm victim of identity theft. 

But Bank of America still false to make the solution to verify my identity and protect my accounts. As the result that my online banking account hacked for 3 time, 3 fraud cheque deposit, many unauthorized withdrawal and ATM fraud. While blocked me to access to my owned fund. 

Right now i can't provide hardcopy of police report because the NJ state police department that take care of issue report have closed because of COVID19.

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 2017-09-16
Company: Navient Solutions, LLC.
State: FL
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:
I saw that my student loan was raised by over {$5000.00} within a 30 day period when I 've been out of school for over 8 years. I attending XXXX in XXXX XXXX, Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian Monitoring They will not allow me to cancel online and since XX/XX/XXXX  they have taken {$15.00} out of my account. I finally called someone on XX/XX/XXXX  spoke with a live person and they only wanted to refund me {$15.00} for one month. If you go on the website, they try to get you purchase other services.

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 2018-12-11
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice in the mail from XXXX XXXX to collect a debt on behalf of XXXX XXXX XXXX for Homeowner Insurance in the amount of {$710.00} for coverage from XX/XX/2018 thru XX/XX/2018. However I do not owe XXXX as I had insurance with XXXX  from XX/XX/2018 to current date ( XX/XX/2018 ). I provide XXXX XXXX the notice I received from XXXX along with the email that I sent XXXX Agent XXXX, and a copy of my insurance police. The reason why I sent this information is because the Notice I received from XXXX  stated under IMPORTANT PLEASE READ : You may not owe any earned premium if there was other insurance coverage during this time period. If you had other insurance coverage, please provide proof of coverage to your XXXX agent. Not only that before this even went on my credit or to the debt collection agency I sent the required information to the XXXX Agent to remove the balance. Instead of XXXX XXXX reading the notice, XXXX XXXX sent me back the same information I sent them. This needs to be removed off my credit and debt needs to be cleared as it is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft, a Citi cash rewards card was opened in my name in the amount of {$3600.00} in 2019. Once the card reported I contacted the credit bureaus that advised me to contact the creditor. I have spoken with the company several times, I have submitted police and etc reports. Citi stated they would send out a theft affidavit but I never received it. I was advised Case number XXXX was assigned in XX/XX/2019 due to fraud. They have informed me that I am not liable for the account. The account was assigned to representative and I have left several messages and no resolution. Citi has stated The card and statements were sent to your valid address, which is the same billing address listed on your CFPB complaint. The address listed is not my address XXXX XXXX. My address is XXXX XXXX XXXX . The statements were sent to my address after disputing account and providing accurate contact information. Citi advised me the original opening address was XXXX XXXX XXXX XXXX . I have provided current and past drivers license with tax returns from 2 years showing correct addresses, I have also provided Identity theft reports, and filed a police report with local enforcement.

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 2018-12-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my free credit report from Equifax online and was denied, stating they could not confirm my identity.

Then I ordered one via automated phone using my phone that was on file. After one month no report came.

Then I called the company and they said I would need to fill out a paper form from their website so I did and sent it in four weeks ago and still no report has come.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 on XX/XX/2020 in regards to inaccurate and unknown items on my credit report. It has been more than 60 days and I have not received a response. This is making me believe I am being ignored on my disputes. It is stated in Section 611 ( a ), that failure to investigate the items within 30 days gives the reason to delete the items from my credit report. As I stated above, it is over 60 days after so the items disputed should be deleted at once. I am requesting the disputed accounts be deleted or I will enforce my rights and pursue litigation and seek relief. My information was also impacted by the XXXX  data breach and might have got to the hands of the wrong people.

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 2021-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A cousin was living with me in my house and he stole my information to open a XXXX credit card account through XXXX Bank couple years ago. The amount is {$1000.00}. When He got sick ( contracted XXXX XXXX ), he decided to talk to me about what he did. Three weeks later he XXXX  of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen serviced my loan for years made many mistakes modified the loan in 2018 ; payments were not affordable had to cancel the loan mod Ocwen kept {$6000.00} of our trial payments then in 2018 Ocwen never furnished us with a 1099 at all Ocwen failed to meet irs deadlines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I made a deposit on XX/XX/2020. The check is made out to my husband and I. Both of us endorsed the check and the deposit was rejected. I spoke to a supervisor who indicated that the reason the check was rejected was due to a regulation. I have never heard of this regulation and have been banking with Capital One for over 10 years. The supervisor could not provide which regulation and was unable to explain the companys policy. The supervisor asked me to go and physically deposit the check and when I mentioned that we are in pandemic, he indicated that this incident had nothing to do with this. However, this bank has no physical locations in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  and TransUnion are both reporting a balance on an account that was settled several months ago. The account is 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 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing in reference to a released XXXX XXXX that is reporting on my Transunion and XXXX credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recently XX/XX/XXXX and the receptionist at XXXX stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as XXXX XXXX Number or XXXX in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from XXXX investigation. Transunion or XXXX has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from 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 non-monetary relief
Consumer complaint received 2021-02-25
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Greetings! 

I spoke to an agent about debt collection issue from The Bureau Inc. 
I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on XXXX XXXX for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. 

So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to The Bureaus Inc. to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX has repeatedly misrepresented that i : owe monies to it when i : don't. 
There is a form demanding disclosure of the certificate holders and a requirement that they file an affidavit stating that they are beneficiaries of the deed of trust and agreeing to which other beneficiaries, owning more than 50 % of the beneficial interest under the deed of trust may represent all of them. 
Since there is absence of an agreement then that all holders of the certificates must be disclosed. If someone claims to represent the holders of certificates that party would need to show the source of its authority to directly represent the certificate holders. Please note that certificate holders are not, contrary to popular error, beneficiaries. 

Since XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX by and through its silence has admitted that the beneficiaries are nonexistent of a non existent REMIC Trust, then why is it i : am being harassed, intimidated, stalked and threatened by XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX and its culprits? 

XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX must either comply with California Civil Code - CIV DIVISION 3.  OBLIGATIONS PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS TITLE 14. LIEN CHAPTER 2. Mortgage ARTICLE 1. Mortgages in General 2941.9 Universal Citation : CA Civ Code 2941.9 ( 2013 ) as stated above OR quite the title to my private property, stop harassing, intimidating, demonizing, stalking and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Turner Acceptance Corp.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2017 a loan was opened in my name. I received no money, goods, or services as a result of This identity theft. The account mention was the total of {$4700.00} dollars that so have no clue of where it came from. This account has caused hardship and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been applying and reapplying for loss mitigation with Freedom Mortgage., Ive sent over a dozen loss mitigation packets since XXXX of XXXX, I feel that there loss mitigation maybe a scam. My account was noted national emergency declaration,. Now its back to being delinquent. I was told I had 3 loan modifications already I told them Im a new 1st time home owner. Ive paid my mortgage every month up until my financial loss of XX/XX/2020 in which my mortgage payment became sending in loss mitigation packets. My freedom mortgage loan # is XXXX my FHA case # XXXX. I thought after freedom mortgage apologizing for mixing file up with someone else file about 6 months I thought things would go smoother., I was wrong.

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 2020-05-27
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:
So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX {$12000.00}

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 non-monetary relief
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex girlfriend opened a checking account at XXXX XXXX XXXX. After her and I broke up I called the credit union and advised then we had broke up and I would like my name removed from the account. I also stopped direct deposit of my pay check to that account. Some time after all this, my ex over-drafted the account, and it was charged off and set for collections. It also shows on my credit file. I have called and wrote the credit union several times asking for it to be removed. They still refuse to remove the account from my files.

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