BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America has taken nearly 2.5 months to close my loan. For the first week I asked them if I needed to hire a lawyer for this process and it took nearly 5 days and me elevating to a supervisor to get an answer. During the documentation process I was asked repeatedly for documentation I already submitted, documentation that bank of america already has on file such as Escrow statments, deposit information ... During the appraisal process they never ordered the appraisal in a reasonable time and it took me calling and asking about it for them to realize that it was never ordered. Bank of America has asked me multiple time to reach out to both the closing lawyer ( their lawyer ) as well as mine to see if I can make them go any faster. For the ridiculous amount of money I am paying for this loan I feel I have done more work than anyone else. During the scheduling of closing they repeatedly asked my closing lawyer for information that he already sent to them as well as information that is never provided by the buyers lawyer and must be provided by the lawyer they hired for closing. This has been an incredibly stressful situation for both the buyers and sellers of the property.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Previously, I sent a complaints requesting that you reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, you have failed to respond to my request and there is no response I receive. 
XXXX XXXX Balance : {$24000.00}

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 2019-12-30
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2019 I received a call from one of XXXX XXXX/ RD ACs associates ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ). She left a message stating that this was an attempt to collect a debt by a debt collector. Later that day, I made 3 attempts to call XXXX XXXX/ RD AC back, but each call went to voice mail. I left messages disputing the debt they claim I owed, and asking for them to give me an address that I could forward my documentation to. I never was given this information. On XX/XX/2019 I made another attempt to return XXXX XXXX/ RD ACs call and Ms. XXXX answered. Before any information about a debt XXXX XXXX  or RD AC claims I owed was divulged, Ms. XXXX asked me to verify my date of birth, address, and the last 4 digits of my social security number. Since I have never met Ms. XXXX, and the sensitive personal information that she was requesting I verify can be used by anyone to steal someones identity, I immediately felt uncomfortable. I explained to Ms. XXXX that I was uncomfortable with divulging my sensitive personal information to any entity or individual that I did not know. Ms. XXXX then intentionally attempted to mislead me by stating that by federal law, she could not discuss any information with me before verifying my sensitive personal information ( no such law exists ). She then hung up the phone. I called back and Ms. XXXX answered. I asked her to forward any information that she had to the mailing address on file and then we could proceed. She reiterated that she could not proceed in any way unless I verify my sensitive personal information first. I refused to do so and ended the call. Due to XXXX XXXX/RD ACs negligence to provide me with a forwarding address, I had to find one for them : XXXX XXXX XXXX XXXX, Tennessee XXXX. I mailed XXXX XXXX/RD AC a debt validation request on XX/XX/2019. Within five days of its first communication, a debt collector is required to send a written debt validation notice. Today is XX/XX/2019, over 3 weeks since XXXX XXXX/ RD ACs initial contact and I am yet to receive any form of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a statement on an account that has been charged off. This is a time-barred account that should not be billed to me. This collection company has billed me before and was told this is a time-barred account and to not contact me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Information belongs to someone else

Complaint:
From XX/XX/XXXX through XXXX XXXX there were fraudulent inquiries on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XXXX ) ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. All bureaus have removed this information except equifax .this information has cause my business to be turned down for credit on multiple occasions .A police report has been sent to equifax but still the information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, 2021 after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX XXXX  XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
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 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 2023-07-14
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2023-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report. Thank you. 
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 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 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 2022-08-11
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2017-07-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I realized that there was fraudulent activity in my checking account. Someone had stolen my checks, and was cashing them. I flagged this to US Bank, filed an affidavit for each check that was fraudulent ( a total of 5 ), and also completed a police report as well as a written statement. After jumping through all of US Bank 's hoops, I received noticed that I would not be receiving reimbursement ( ~ {$1700.00} ) because I was " negligent with my checks ''. They 're essentially blaming 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 explanation
Consumer complaint received 2022-12-19
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am victim of Identity theft. After reviewing my credit report, I noticed a charged off account listed by XXXX for {$14000.00} under my credit profile. I reached out the company by calling at XXXX and explain the situation and then Green Sky sent me an email to fill out several affidavits. I filled out all the affidavits and sent it back to the Green Sky but they have failed to respond back to this matter and never reach out to me. I don't own any property or a house and live with a family member in an apartment building. I have never apply any credit account ( s ) or authorize anyone to apply on my behalf. I want Green Sky to remove this derogatory information from my credit profile immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Both my Company and personal accounts were totally cleared out with a " order '' rhat was not signed by a Judge or ordered by a court. 

IThe " request to Levy '' was completed by a Attornet and recorded by the Court as " Received ''. Chase Bank froze our funds asnd sent to our creditor without Court orders.

I took copies to the branch and spoke with Chase bank legal and showed them the paperwork. Also called the Clerk of the court on speaker any varified no order had been approved.

Two weeks later, Chase maintains they did what was correct, when in fact they acted too quickly. Our Attorney was settleing the debt.

Now our IRS Payment was returned, payroll, ect. IRS Deposit was taken and escrow account was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have an account with Coinbase, a cryptocurrency exchange, and have been trying to sell my positions and close my account for close to a month now with no avail. I have Bitcoin, Etherum & Litecoins within the online system and am unable to " sell '' them and " cash out. '' Each and everytime i do this, the system prompts me that " additional informaiton is needed to verify my identity, and to go to 'coinbase.com/XXXX ' to do so '' when i go to the address and answer the personal questions they prompt me with, the system denies my entries and i get stuck in this loop where it keeps asking me to verify identity and does not allow me to sell. Basically, they keep asking me to verify identity and after I answer their questions, they tell me my answers " are wrong. '' The shady part is that I have already verified my identity, both via questions and by providing my ID ; furthermore, I have succesfully bought and sold on this website since 2015 when traffic must have been less. It is only recently that I have been " shut out. '' I have contacted their customer service phone line 5 times, each time being placed on hold for hours with no representative picking up. I have tried their online support system and have submitted requests to " close my account and cash out '' 5 times with no response. Basically i am being ignored and my money is tied up. 

Of mention, I started this process when my account has over $ 19K in it, it has since dropped to $ XXXX and i am still stuck. All i want to do is close my account, and collect my proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
One night around XXXX XXXX  as I was working with my computer, suddenly the screen turned dark, and there was an 800-toll-free #  appeared on the screen saying my computer has been infected by viruses that I should contact them. I asked myself why and how did they know that? In the middle of the night all stores were closed. So I called the 1-800-toll-free #. The individual who answered the phone told me that the only way he could help me was to sign a 2-year contract with them. I replied why 2 years. The person kept insisting so I ended up signing a contract with this company named " XXXX   XXXX XXXX '' whose number was or is XXXX. 
Everything was going well until on XX/XX/2019 in the evening I received a phone call from XXXX XXXX assisted by XXXX XXXX and two other individuals whose last names I did not have a chance to get. But their first names are XXXX, and XXXX. 
XXXX XXXX told me as well as his assistant hackers that the company has changed name. It is now called " XXXX XXXX XXXX ''. They were currently working for XXXX XXXX and they needed to work on XXXX XXXX  on my computer. Plus they told me since the old company was no longer in existence they owed me some money since the contract has not expired yet. I told them to send me a check. They told me it was easier to do it online. So they made me filled out a form online where I inserted my bank name Suntrust while they said they were working on XXXX XXXX   on my computer. As they pretended working, they deposited within 4-5 consecutive days enormous faked amounts of money. In the next day they called me and asked me how much money I had in the bank before they had started working on my computer. I bluntly told them {$1600.00} both checking and savings combined. And that was what I had. With my {$1600.00} plus the large sum of money they put there I told them I don't understand what they were doing. I was scared of keeping people 's money in from which I had no authorization. The hackers told me to go to XXXX store buy {$1500.00} gift cards and {$1400.00} at XXXX Store. I told them that I didn't want any trouble I went and bought those gift cards and sent the numbers online to them. I was hoping they would at least leave me with my {$1600.00} the next thing I know they wiped out both accounts with their faked checks and run away. They even used a faked United States Treasury check to carry their criminal activities. Plus they overdrew {$1400.00} which the Suntrust bank asked me to pay back.

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