BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/2020, I deposited a check at the Bank of America, with a teller, for {$1000.00} from XXXX XXXX, a national company, into my checking account. Hours later, the bank sent me an email and stated they were holding the funds until XX/XX/2020. I asked the bank to release the hold and they are stating they are unable to verify funds. 

I called the bank, XXXX, who is the bank that XXXX XXXX wrote the check from. They verified the funds and that the check has cleared. They said there was NO reason for Bank of America to hold the funds. Therefore, it is proof that Bank of America never even tried to help me. 

This is wrong and unfair for many reasons. The main reason is that Bank of America accepted my deposit did not mention a hold. If Bank of America would have told me there would be a hold, I could have cancelled the deposit and cashed the check at XXXX, the bank the check was written off of. 

To clarify, Bank of America took my deposit. 
They did NOT tell me of any hold. 
Hours later, I get an email that the check is on hold until XX/XX/XXXX. 
The exec office said they will keep it on hold. 

This is wrong in so many ways and I hope you can assist. They are doing people so wrong and causing severe financial hardships. The executive management can't possibly realize how bad they are hurting their customers and if they don't know, I hope they fix it. The customer should be given an option of a hold at the time of the deposit so the customer can make a decision whether to keep it on hold or cancel the deposit and go cash it at the other bank.

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 2018-05-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company has on several occasions called me, my family members, and my husband 's ex-wife stating that I have a pending law suit against me. The company gets very aggressive and threatening before hanging up. Today XX/XX/XXXX I decided to go along with the call to find out exactly what they were trying to get from me. I have 2 voicemails from a gentleman stating that there was a lawsuit against me and that my failure to respond would result in my admission and I would be held accountable by the courts. I called back and was transferred to a girl that said it was in regards to a Wells Fargo account that I opened in XX/XX/XXXX and that I overdrew the account and owed {$4200.00}, I knew that this was incorrect. She then stated that they had tried to settle the account with me for {$1300.00} which was also incorrect. I told her that I was concerned that someone got a hold of my social security number and that I would be calling the social security department, she started to get aggressive and ask why I would do that but then quickly said that maybe I should because I am responsible for the debt and I should be prepared to show the judge everything. I asked when the court date would be and she said that would be in the letter they send me. I asked her when the account was closed and she said that I didn't close the account but Wells Fargo closed it because the account was so overdrawn. I also knew this was false. I called Wells Fargo and they confirmed that I do not have any outstanding accounts with them. I was able to get the name, address, and phone number to the company that has called. I want them to stop contacting me and the people I know in regards to this fraudulent claim. The company is called XXXX XXXX XXXX, the phone number was XXXX, and the address is XXXX XXXX XXXX XXXX, CA 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 2018-08-01
Company: Diversified Adjustment Service, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked this company several times on a recorded line to stop calling me. the company ignores my request and continues to call me everyday sometimes several times throughout the day. it is very annoying and disruptive to my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
This is my fourth 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 .... Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$290.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to the credit bureaus about these debts they have put on my credit file. This has been a long road. When ever  I apply for anything I am never approved because for some reason I believe me and someone has the same social. Its extremely frustrating. I just would like all this inaccurate information removed

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 2019-08-24
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 information incorrect

Complaint:
I have several accounts on my crefit report that are being reported inaccurate and I have sent the crefit bureaus proof and they still havent updated or removed the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: PNC Bank N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a PNC Visa Signature Credit Card with PNC Bank, where I have all of my banking accounts. My PNC Credit Card is set to autopay from my PNC Checking Account every month on the XXXX. The final payment made was on XX/XX/XXXX. PNC stopped auto-paying the PNC Credit Card, and the payment was late for XX/XX/XXXX and XX/XX/XXXX. I was not notified that the autopay ended or would expire. I became aware of this when PNC emailed me on XX/XX/XXXX that the due date for their credit card had passed and they applied a late fee the day before on XX/XX/XXXX. ( A search of my email shows that they also emailed me on XX/XX/XXXX, telling me that my payment was late [ because of PNC ], in that case they applied a late fee on XX/XX/XXXX ). My checking account holds approximately 250 times more assets than than charges on my credit card, so I have the ability to pay. To my knowledge, I have never had a late fee or had one waived. 

I called PNC to resolve the issue. I was informed by XXXX that it would take 3 months to restore autopay and that she could only waive one late fee every 12 months, and so she could not waive both late fees. XXXX told me this was a new company wide policy that had been handed down by the responsible company officer, and that even her superior could not make an exception. I made it clear that both fees were incurred because PNC Bank stopped auto-paying my PNC credit card. This did not matter to XXXX and PNC -- their failure to use PNC bank accounts to pay PNC credit card means that I'm stuck with late fees I would never have incurred. 

Personally, I want both of the late fees waived. My bank has access to my funds and auto-pays the credit card they control ; they decided to stop auto-paying, and did not notify me of this or of a possible auto-pay expiration. They started charging me late fees and sending me notices after the fact. The bank also says I am stuck with these late fees, because they failed to make the payment to themselves and they will no longer waive late fees at all. 

Broadly, I am concerned this is possible actionable chicanery. At the least, this is bad faith and immoral. On a national scale, this would amount to a huge addition to the bank 's books and a fraud upon its customers. It seems a lot like a trap, intentional or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I took a out a mortgage in XX/XX/2006. The lender advertised low monthly payments and low interest rates which mislead me to take out a mortgage loan. However, the low monthly payment and low interest rate was never apply to the loan I took out. I tried to do loan modifications but even that has been denied several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.

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 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
on or about XX/XX/2019 Capital one failure to take reasonable steps to secure its network led to a data breach, Capital One was reckless and completely disregarded the rights of Mr.XXXX by failing to implement and maintain adequate data security measures and therefore exposed information to criminals for misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: First Associates Loan Servicing LLC
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: Investigation took more than 30 days

Complaint:
School Closing Outstanding Loans was mailed discharge paper but was not granted removal from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: MD
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:
There is a number of personal items and accounts that does not belong to me and that are incorrect. I originally sent a letter about this when i found out on XX/XX/2021. It has been well over 30 days and i have not been updated. There are no updates and the credit bureaus do not help or give any helpful information at all. I dont like that the credit bureaus get to ignore consumer laws, this is really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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: Account status incorrect

Complaint:
My XXXX account number XXXX Is showing as closed with an open balance that does not exist. This account was closed XXXX of 2020, it was a lease which was returned. Upon calling hunday they said the mistake is at the credit bureaus side which shows a balance and it shows payments made on time after XX/XX/2020. This information is causing my home refinance not to be approved. I will hold all 3 credit bureaus responsible should my loan does not get approved.

This account at first had a wrong late payment reported which I disputed, the late payment was removed and the after that a balance showed up on my account when there are no balances.

Can you guys get at least one thing correct?

The attached document is the response from the original complaint, you guys fixed one wrong information and it looks like on purpose you inserted another wrong information.

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 2019-08-24
Company: DISCOVER BANK
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019, I accepted Discover Card balance transfer offer to pay {$6000.00} toward my son 's College tuition. The offer was 0 % interest for 12 months with a 4 % transfer fee. After 12 months, the interest would be current rates 14-15 % ( currently 14.25 % ). 

Nothing in the Discover promotional materials stated that my prior ( higher interest ) balance would be paid only after the minimum balance was applied to the 0 % transfer balance. I have paid approximately {$880.00} in unexpected interest despite sending well more than the minimum payment for many months. I had approximately {$7000.00} balance before adding the {$6000.00} at " 0 % Interest ''. 

My other cards use a " first in first out '' payment strategy on transfers unless they clearly state otherwise per appropriate advertising law. In other words, transfers are truly 0 % interest ( after the percent transfer fee ) as long as the prior balance is being repaid and until the term of the transfer ( 12 months or more ) is exceeded. 

Nothing in the Discover promotional materials described why I would no longer receive cashback bonuses on the earlier balance but these also have ended.

I have been an excellent Discover customer over 10 years and have a FICO score of 811. Am  attaching statements showing my excellent and timely payment history. 

I am asking FTC and/or CFPB to sanction Discover for not making terms clear in the offer promotion ( it does no good to show these terms on the back of a statement after the transfer has been completed -- terms need to be made clear up front ). 

I believe this is deceptive advertisement and worthy of a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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:
I have contacted TRANSUNION 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the  Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to 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 explanation
Consumer complaint received 2021-04-27
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Missing {$3100.00} from escrow account. We paid property tax in cash to XXXX  on XX/XX/2020 before freedom mortgage did. After the XXXX received escrow check for freedom they sent the check back to freedom on XXXX/XXXXXXXX We provided property tax receipt to freedom. The money is still not showing in my escrow account after 4 months.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They were charging me fees to keep my account open, demanding to keep a higher amount each month to be able to have it fee free as before they denied reimbursement of the fees collected so I closed my account and ended my relationship with the bank.

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 2018-03-12
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PHONE XXXX XXXX XXXX XXXX filed legal action against me ( XXXX XXXX ) in XX/XX/2017 regarding a XXXX XXXX XXXX credit card. 

XXXX XXXX XXXX sold this account to XXXX XXXX. I disputed this complaint in court and won the case, Judgement for Defendant ( see attached ). 

I sent the attached later to all 3 credit bureau. ( XXXX, XXXX, and XXXX ) who conducted an investigation. 

XXXX  received my documents that released me from this obligation and they DELETED it. 

XXXX XXXX is still reporting to XXXX and XXXX that I owe this obligation. 

I am requesting to have this derogatory XXXX XXXX account DELETED from all three ( 3 ) bureaus immediately. The court ruled : " Judgement for the Defendant '' I do not owe anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022 hard inquiry and decline for credit TD Bank XX/XX/2022 hard inquiry and decline for credit TD Bank XX/XX/2022 hard inquiry and decline for credit XXXX  XXXX  XX/XX/2022 called TD Retail Card Services to remove these inquiries as fraud. 

XX/XX/2022 called XXXX XXXX to remove inquiry as fraud XX/XX/2022 set up a 1 year security alert with XXXX. 

XX/XX/2022 reported these inquiries to XXXX as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to sell and close on my property and and contacted Loan Care for my payoff. I contacted them as well as the title company on XX/XX/2018. It is not XX/XX/2018 and they still have not provided the payoff information and after numerous attempts in contacting I keep getting the run around and no one seems to know why they can not generate the payoff information. Every person I speak to at Loan Care seems oblivious to the process and provides various answers as to why they do not have the payoff. I have already missed one closing date on a cash sale and about to lose another because of their incompetence. I have never had such a hard time requesting a payoff from a loan provider.

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 2021-08-31
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I notice that there are collections accounts on my credit report. I never had credit with this creditor XXXX in XXXX or XXXX. I have asked this company serval times to provide me with documentation showing that the account belongs to me. It's been over 30 days and I have not heard back from them. Please can anyone help 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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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