BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We overpaid Select Portfolio Servicing , Inc. ( " SPS '' ) {$1900.00} when we paid off the SPS mortgage loan with a refinance in XX/XX/XXXX ; however, SPS will not pay us back the overpaid funds. 

Although SPS mailed us a check ( # XXXX ) for {$1900.00} on XX/XX/XXXX, SPS issued the check in the wrong name ( so we were unable to cash the check ). Specifically, this check was written in the name of my husband 's parents ( who are deceased ) rather than in the name of our husband and Estate Trust that holds the subject home ( which was subject to the prior SPS mortgage loan that we paid off ). 

On several occasions ( we made at least 6 phone calls ) between XX/XX/XXXX and XX/XX/XXXX, to complain to customer service and their supervisors that the refund check ( from he closing process ) was issued in the wrong name. On each phone call representatives/supervisors said a new check would be mailed within two weeks and some said 60 days. Yet as of today, XX/XX/XXXX, we have never received a new check. 

Supervisors that we spoke to on XX/XX/XXXX and XX/XX/XXXX, told us they could not speak with us because we are not authorized on the loan. They asked us to submit certain records, which we did, such as documents proving our ownership of the property, e.g., Estate Trust agreement, Deeds showing my husband inherited the property, and death certificates for each of my in-laws ( the original borrowers on the loan ). This documentation was provided by us to SPS via Fax on XX/XX/XXXX and by email on XX/XX/XXXX. 

Because over 6 months has past and SPS has not returned our money despite numerous calls and providing all required documentation, we are seeking assistance from the CFPB so we can be paid back the money SPS owes us. 

( Please note the subject loan was originally underwritten with XXXX XXXX, which was acquired by XXXX and then the loan was acquired by XXXX XXXX who then transferred the loan to SPS ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have received two pre-paid mail notices of overdraft from Truist Bank on one or two accounts that I do not own : 1. On XXXX an overdraft of {$4800.00} on account ending XXXX ; and 2. On XXXX an overdraft of {$3500.00} on account ending XXXX. 

I have no accounts with Truist Bank. I have called XXXX and put a one year freeze on my accounts, and I reviewed my credit report and it shows no accounts with Truist. I called the Truist Fraud Alert phone number and the person I spoke to said that I would have to go into a Truist Bank branch. 

Can you help clear up this issue which seems to be identity theft.

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 2021-01-29
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I been receiving harassing, abusive, threatening phone calls repetitively from Hunter Warfield , Inc . Call Center Debt Collection Representatives for a collection account that is not my account and is the result of identity theft. Hunter Warfield representatives has been harassing me, using abusive and obscene language and making threats of violence and death against me for a collection account thats fraudulent, not my account and is the result of identity theft. The following collection account is fraudulent and not my account : Hunter Warfield , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2019, {$6200.00}. Hunter Warfield , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, someone opened a Capital One credit card in my name with my information. 
I have disputed this debt twice successfully, and had it removed. 
Then XXXX XXXX XXXX bought the debt and when I disputed it for the 3rd time, they demanded I file another police report. 

I filed said police report, and just received a blatantly doctored credit card statement from them, which they are attempting to use as proof that the account was mine, and that the account was opened at a previous address at a much earlier date than the identity theft took place. XXXX XXXX XXXX state that someone opened the account in XXXX of XXXX, I confirmed with Capital One themselves, and Capital One states that the account was not opened until XXXX of XXXX. 

I am unable to open any credit cards as a result of this credit fraud, and now the debt collectors themselves are committing fraud in an attempt to collect a debt that was illegally opened with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: TX
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:
During the course of checking my credit score report, I found many errors including false information of these collections accounts are not 100 % accurate. This has damaged my reputation in becoming successful as a individual person who wants to purchase a home or car or even upgrade my business in order to hire employees in the future. I indefinitely want the XXXX XXXX XXXX XXXX to enforce the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Conn's, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Conns furniture store will start calling me two days before my payment is due and then they text and email as well, today on Sunday XX/XX/18 they have called me 12 times from XXXX to almost XXXX and Im only 5 days late. This has been the way they treat me all the time, I asked them to not call my cell phone and they still do, they wont work with me after I lost my job and Im actually just now five days late. They call me five unlimited different numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
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 and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.

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 2021-11-15
Company: EQUIFAX, INC.
State: CA
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:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Citizens bank card I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. 

I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: NY
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.the list of accounts below has violated my federal protected consumer rights to privacy and confidentialitys under 15 usc XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15. U.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any report agency if the

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: MECHANICS BANK
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

The follow accounts are as follows : Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Name of Account : MECHANICS BANK AUTO FI Account Number : XXXX Name of Account : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: AL
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 REPORTING ACT XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-12-10
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
Through XXXX XXXX, I received a request to join a secret shopping service by the name of XXXX XXXX. As I did research, I could see that this appeared to be a valid company. 
As I clicked on the link this appeared to be a legitimate business. 
I was recently laid off from my employer, and this seemed to be a way to earn some extra money. 
I completed the online request and was approved for the shopping position. 
AT NO TIME DID I PROVIDE MY AMEX account number for this. I was simply asked if I had an American Express account and I was notified of a {$2000.00} payment into my Amex account, and I was able to see to the funds go from pending to clear prior to making the purchases requested of me. I have no knowledge of how that payment was made or by whom. I assume that is where the fraud was initiated. 
The payment made to my account seemed legitimate and that is the reason that I moved forward with the shopping experience. 
I became suspicious when the item I was asked to mail XXXX   was not able to be delivered to the address that was provided. 
THAT IS WHEN I CALLED AMEX, and told them I was concerned that my card had been compromised. 
Most of the correspondence initially took place through email, and then moved on to text messaging, I have included ALL of this documentation as well as the police report. 

I realize there is not any type of recourse or chargeback to either the XXXX XXXX or the Mail Center. I want American Express to be fully aware that this entire transaction from the {$2000.00} payment to my account resulting in me purchasing an i-phone and mailing it XXXX to XXXX. Because this is fraud, for both American Express and me as the victim, I am asking that American Express not hold me liable for any this. 

I am and have been an excellent long time customer of Amex. I want this resolved immediately, it is causing me tremendous undue stress. 
This puts me in a situation of Financial Elder Abuse, I am an innocent victim who was taken advantage of. American Express should have called me about the $ XXXX clearly they could see it was not from my bank account. 

PLEASE HELP ME! Please see this from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: FC HoldCo LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers (more than one) of mine inquiring information about my husband and I for the personal gain of reposessing the car (a car loan currently being serviced by XXXX).  We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX   XXXX but that does NOT give the right for any employee of a Collection Company /XXXX to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because "that's what I do now Repo Only" . She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was "normal repo practice for Collectors at XXXX ".  She asked where I worked, if my Car was parked outside (referring to.my place of employment),  she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family.  Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX. This is unfair and against our rights as consumers.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past 60 days, but unfortunately, there have been no updates from your agency regarding the following accounts : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXD ( XXXX Creditor : 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My AMEX Gift Card is not working and keeps declining. Previously, on XX/XX/23 and XX/XX/23 I had used the gift card and it worked fine. However, I tried to use it yesterday ( XX/XX/23 ) on a XXXX purchase but it kept declining. This is also not the first time this has happened. I have {$14.00} on my card and all the purchases I wanted to make were less than this number. I tried to call customer service again today ( XX/XX/23 ) various different times with different numbers but was always transferred to another number where I could not speak to a representative. No one has helped me resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account ( fraudulent account number listed ) was fraudulently opened on line using my name and ss #. No other proof was needed, such as drivers license, photo i.d., signature, etc. I researched this problem on line and discovered this scam with Chase has been going on for at least a year. Why? Since Chase does not have the proper security measures in place to avoid this fraudulent activity, opening on-line banking accounts with Chase needs to cease immediately. Chase needs to be held accountable/responsible for continuing this negligent and improper practice of opening fraudulent accounts without proper vetting. Security measures are needed to protect victims of identity theft, which Chase obviously does not have in place. For Chase to continue this practice shows negligence and criminal behavior on their part, especially since Chase is aware of this problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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