BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my Bank of America checking account. I filed a police report which has been attached. Bank of America risk department froze my checking account and closed it. I was told by numerous Bank of America employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that Bank of America has reported the hacked accounts to XXXX and XXXX XXXX XXXX. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Lending Club Corp
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:
Lending Club has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
My account was permanently disable by Venmo. I had over {$300.00} on this account. It was frozen on XX/XX/2021. An account specialist by the name of XXXX XXXX told me that my account has to be frozen up to 180 days and have no chargebacks or fraudulent after 180 days without any chargebacks or fraudulent activity they would release my funds. Today is XX/XX/2021 I am after my 180 day period. My account has no illegal activity has no chargebacks or fraudulent activity it never did. I have reached out to demo every day after XX/XX/2021 and no one from the company will try to help me with the issue of releasing my funds. The last person that I talk to you was an account specialist by the name of XXXX XXXX who sent me an email today stating that he could not help me with the issue although their rules at Venmo states that my money should be released after 180 days which makes what Venmo is doing with my account in violation of their own rules and regulations. The initial reason my account was frozen I was told was because they needed to verify my identity I sent them my passport as well as my Maryland state ID my identity was verified. Immediately after that they said that I violated XXXX  of the rules but they can not tell me which rule was a violation. If in fact I violated a rule that is fine with me the in fraction for that would be to close my account but after the 180 days the money thats on my account should be released so that I can transfer into my personal bank account. Under no circumstances is the violation of their set rules automatic for them to keep my money after stating it would be released after 180 days Venmo at this point is violating their own sets of rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
There's to many to list ongoing reposts of 2 late payments, that companies never reported as late balance take over 30 days to correct after balance are XXXX with Equifax, and XXXX  only numerous calls and letters to correct, they will correct XXXX but not all credit history in years incorrect balances incorrect on 5 or more accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: United PanAm Financial Corp.
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: Account status incorrect

Complaint:
Company has wrote the loan amount off as a loss meaning they got paid for it due to writing the loan off as a loss but still shows on my credit report and are calling me trying to still get paid for the left over amount meaning they are getting paid twice for the delinquent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: MoneyLion Inc.
State: GA
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:
I am not awear of a company by the name of Moneylion Inc I have never did any type of business with this company therefore someone used my personal information and took a loan out using my name. I did not know anything about this transaction until XXXX of 2018 it appeared on my credit reporting. I have filed a Identity Theif claim with XXXX XXXX and continue to dispute this charge I also spoke to the 3 creditors XXXX, XXXX, and XXXX I have request for a Fraud Alert placed on any new account that shows up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: CAINE & WEINER COMPANY, INC.
State: NC
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 have received a copy of my credit report and it shows company CAINE WEINER ( Original Creditor : XXXX XXXX ) account numberXXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$330.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I refinanced my University Accounting Services ( UAS ) loans with a different servicer/lender ( XXXX ). On XX/XX/XXXX, I received notice from my new servicer ( XXXX ) that a payoff was sent to UAS. On XX/XX/XXXX payments were applied to my UAS account from this payoff. A total of {$66000.00} was applied in payments. However, my loan refinance that should have been applied and sent by XXXX to UAS is in the amount of {$83000.00}. To this date, XX/XX/XXXX, the correct amount has not been applied by UAS. I contacted UAS regarding this issue on XX/XX/XXXX. I was told by the UAS customer service representative that the check number and/or a copy of the check that XXXX sent to UAS would be the necessary information in order to ensure that the full loan payoff amount is applied to my UAS account. On XX/XX/XXXX, I sent a copy of the requested check, which was a XXXX XXXX, to a UAS customer service representative who then forwarded it to the appropriate accounting services department. On this date, XXXX was able to confirm that the check had been cashed on XX/XX/XXXX. On XX/XX/XXXX, I followed up with an e-mail requesting to know the status of the resolution to this issue. On XX/XX/XXXX, I received a response from UAS stating that a payment research request was sent to the accounting team. On XX/XX/XXXX, I again sent an e mail requesting to know the status of this issue and was on XX/XX/XXXX that customer service still had not heard back from the accounting team. On XX/XX/XXXX I sent another e-mail inquiring about a resolution to my problem and was told that same day in an e-mail response that they had still not heard from the accounting team.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: RI
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:
I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and would like these hard inquiries removed completely from my credit file :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: WELLS FARGO & COMPANY
State: OH
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 Wells Fargo dealer services account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online

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 2020-11-16
Company: JPMORGAN CHASE & CO.
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:
here are several accounts in my credit report that are not mine previously, there were more but I already did the disputes and they took them away in expirian I see the following accounts 1 - XXXX XXXX XXXX status closed charge-off {$3100.00} In XXXX 1XXXX XXXX XXXX on D .status closed charge-off {$1400.00} 2-JPMCB card services status closed charge-off {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018, I closed the secured Discover card ( XXXX ) that I deposited {$200.00}. It is already a month and not received my deposit back. They said it takes 2 months and 10 days. They hold money of millions of people for 2 months for taking financial advantages. They should pay interest on holding millions of dollars they hold from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX i went thru the drivethru to trade in my money that i washed because some was torn in washer and i had to take it. i been washing my money since covid and the first time it was torn. i was told my money is counterfeit i wasnt getting my money back i say how i got XXXX in XXXX  's from XXXX XXXX  atm and the two XXXX come from there atm at this branch location and i spend one XXXX at XXXX they use the pen gave me change so in all pnc took XXXX they were very irrate and hostile i have XXXX so i called the police because i need to have record of how much money they took told she said she would mail me a paper but i wanted something now. She ( Branch Manager ) l. i said i have another XXXX  right here and i still see the lines and everything so i failed to believe it is fail she kept hollering saying it was fake so i told her i will just take that XXXX to XXXX XXXX and let them check it i did afterwards and they said it was real. the police got the report for me i was never told anything about a process or how it work i called customer service to file a complaint and see how long and what is going to happen far as me getting my money back they only email me to call them i left several messeges by phone and email no responses because my situation could been went all the way wrong cause the police said if i would have left she would have press charges on me for theft by deception. and the manager kept trying to get me to leave, and still no answers.i withdraw all my money she didnt even give me a receipt for that and i asked to closed my account cause never in life have i even went through nothing like that before. the teller and the branch manager need to go to customer service training and do better. i could have been another XXXX XXXX with the irateness and had the police not have handled it in a good matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was sent my mortgage statement for XX/XX/2018 and it included {$73000.00} in past due/other charges. I called the company to ask what this was for and was told after speaking to several people, that the company did an audit of my account and found they had been charging me he wrong mortgage payment for the last 5 years. They then added that to my account, and almost doubled my monthly payment. They never sent me an explanation of this. they also add another XXXX a month for what I do not know. At this rate the loan will never be able to be paid off. Not one person there can really explain what is going on. they only state I owe it. I am a widow on a fixed income and can not pay this exorbitant amount. I believe they are practicing unfair lending or predatory lending practices towards me, engaging in unlawful collection pratices, creating hardship, and attemping a fraud under lender 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 2021-05-02
Company: Avantus, LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AVANTUS LLC - Mortgage Reporters Inquiry Date XX/XX/2020 I tried to reach out to this company several times by phone, and email to get this removed from my credit report. I do not recognize this and did not authorize this credit inquiry. This company has very poor customer service or communication regarding this matter. I had no other choice but to contact CFPB to get this taken care of. I have been trying for several months with this company but they do not cooperate. They didn't even give me any documentation or paperwork showing any proof of this inquiry being authorized by me. Please have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
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:
Debt collector falsely reported that i made a payment of XXXX $ to keep my account active. Maybe to restart the clock on when it is inactive? 

The company who owns the debt is iq data international

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone gained access to my bank account online by changing my password. According to the banks fraud department, they were able to change the online because they had my social security number and debit card number. Once they gained this access to my account, they changed my mobile phone number online and signed " me '' up for a peer to peer mobile payment app the bank offers. They attached this service to my savings account. They now controlled both ends of the transfer sending and receiving. They sent themselves {$1000.00} from my savings account. They then tried to change my statement preferences and email address but were unable to do so. When the money transfer went over, the online access was cut off by the fraud department being notified to the activity somehow. I have filed a fraud claim with the bank and it is still under investigation. I have changed all of my account numbers and debit card but am still considering leaving the bank and going straight cash consumer. I have also filed fraud ID alerts with all 3 of the credit reporting agencies and ID theft with the FTC and reported the incident to the best of my capability to the Social Security Administration of which I intend to follow up on to determine if a new SS # can be issued. I was informed on more that one occasions by more than one fraud agents that our ss # are our main identity identifiers ' in this country and there really is not any other in place so the reality is this will happen to me again and again in my life with my current ss #! I do not know what else to do, I feel so violated, angry and shafted by the system. It's like, we know and we are sorry- hope it doesn't happen again to you : - ) There has got to be a better way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Approximately {$2000.00} taken by terrorists using ATM, Static webpage, teller and or merchant accounts from my Santander Bank account XXXX also illegal use of XXXX and other hacker technology to prevent me from opening a claim and XXXX XXXX   intercepted calls to Sanrander fraud and bank departments.

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 2020-11-14
Company: Experian Information Solutions 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:
I'm a victim of identity Theft i did not give any Consent to anyone to open these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX, a New York Corporation for the amount of {$310000.00}. I defaulted on my mortgage because I could not keep with the increasing mortgage payments. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County 's Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX, as nominee for XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX Backed Pass-Through Certificates, Series 2006-5. On XX/XX/XXXX XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX Pass-Through Cerificates, Series 2006-5 started a foreclosure action against me for the amount of {$310000.00}, which is about {$210000.00} from my original mortgage. How is that even possible when I had already paid about {$38000.00}. I would the opportunity to resolve this issue without having to go through an auction sale.

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 2019-01-28
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 received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. 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  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX18, XXXX XXXX XXXX XXXX contacted my spouse gave him specific details on my account, such as lack of payment, non payment dates, threats to shut his card off, My spouse is not on any of my accounts nor am I on his. When i spoke to rep she continued to talk over me even after i informed her of bankruptcy. calls. Would come form restricted numbers several times daily.

Company response to consumer: Closed with non-monetary relief