BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or around XX/XX/XXXX I found out Bank of America closed my credit card account due to a Bankruptcy filing. Upon investigating this, I found out that someone named " XXXX XXXX XXXX '' that lives in Texas and shares the same last four numbers of my SSN filed for bankruptcy and Bank of America confused me with him and closed my account. After Bank of America investigated on their own, they confirmed that it was not me that filed for bankruptcy and reinstated my account. Before reinstating my account they pulled my credit score with the promise that they would remove it from the credit bureaus as this was not my mistake ( it was never removed, see attachment ). 

After my account was reopened I noticed that I could not log in to my online account with Bank of America. Due to life circumstances, I was unable to call them to try and get this fixed until I called on XX/XX/XXXX. I eventually ended up getting transferred to XXXX at ( XXXX ), he advised me that he would look into this and would call me back.On XX/XX/XXXX I get a call from XXXX and he advises that since the account has been inactive, that I should make a purchase and then try logging in again as the purchase might be able to re-enable my online account. I made a purchase the same day and called him back to let him know that I was still unable to access my account and he then advised me to wait until the charge was posted and try again. Then on XX/XX/XXXX I get a call from him to let me know that my account was now closed due to inactivity and that he was unable to help me out any further. 

On XX/XX/XXXX I received notifications from credit monitoring that Bank of America reported my account closed due to Bankruptcy again and my credit score dropped 93 points from XXXX to XXXX due to this. I called XXXX back and ended up getting a call from his co-worker due to XXXX being off and they gave me the number for the Bankruptcy Unit and transferred me over. I spoke to the Bankruptcy Unit same day ( XX/XX/XXXX ) and they advised me that they would have to investigate this again, but that I would not get a call back from them and that I should follow up in a few days. I also advised them that I have a letter from the other person 's lawyer that I got last year stating that the bankruptcy does not belong to me and they asked me to fax it ( see attachment ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: Regional Management Corporation
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2015 {$110.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX  cra violation inaccurate information sent my police report what else do they want

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Transunion reported via mail to me that my disputed item ( Bankruptcy ) was verified as accurate but did NOT provide any supporting documentation or proof that the accounts belong to 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 non-monetary relief
Consumer complaint received 2018-02-25
Company: PRESTIGE FINANCIAL SERVICES 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: Account status incorrect

Complaint:
had a vehicle through Prestige Financial services. It was repossessed back in XX/XX/2011.I tried to fight the company in court because they knew the engine had been bunked when we first purchased it.Fast forward I got a garnishment. The whole time that I have had this garnishment this debt has been reported on my credit report as late. how is that when it automatically comes out of my check twice a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Property Manager XXXX XXXX on XX/XX/XXXX via email ( attached ) and requested to go to a month to month lease, XXXX. She agreed in the return email to XXXX starting XX/XX/XXXX. I had a 3 month lease previously signed but Ms XXXX agreed to change to XXXX since the 3 month lease had not gone into affect. Rent was paid for 2 months and we moved out XX/XX/XXXX and dropped keys in office the following week. 
The management main office did not accept their agent 's word on this matter and want to charge me an additional months rent for the prior 3 month lease I had signed. 
I sent all this into to the main office and they claim the 3 month lease is the one on file despite the fact their Property Manager agree to the XXXX   I feel they owe me the security deposit- carpet cleaning= {$170.00} They claim I owe {$1800.00} for last month and utilities for that month even tho I had all utilities terminated and paid in full They have hired XXXX XXXX to collect debt. XXXX XXXX is calling and threatening my credit constantly. Even called my boss ' cell phone

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: OH
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 sent XXXX notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. I have not received a response from this credit bureau nor the XXXX of these accounts. Therefore, since this dispute has not been resolved within 30 days under the FCRA, those accounts and the inaccurate information that were in my dispute letters must be deleted from my credit report. 

My personal information includes : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX Last XXXX of XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: TX
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:
Citibank has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}

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 explanation
Consumer complaint received 2018-02-25
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient took my taxes for XXXX  to repay a Debt however in XXXX they did not touch my Taxes they did in XXXX. I was never notified of this occurring. Only when I didnt receive my taxes that i had to do my own research to find out where the money went. Also Im XXXXyears and a member of XXXX do i qualify for my taxes not to be touch. I also check on Navient web page, I logged in at it stated a XXXX balance. I feel that the student loan should not take all of money. I have a family to take care of. Also what is the statue of limitations on a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting almost daily phone calls for months from some company called Portfolio Recovery Associates, LLC. They keep calling my number from many different phone numbers to prevent me from blocking them. I am on the National Do Not Call List and have reported them every time they've called my line. I am NOT in debt! I have received several calls from debt collectors for someone named XXXX XXXX XXXX, who I assume used to have my landline number. I've had this number for almost 3 years though, so if that's who this PRA outfit is trying to collect from, their info is years out-of-date. I emailed them directly and also contacted the XXXX  about this company and their harassing phone calls, which they forwarded to PRA, but the calls continue. I got one today. They call morning, afternoon, night, weekends, holidays, whenever, starting at XXXX XXXX. I just mailed them a cease-and-desist letter. I don't know who they think they are calling by calling my phone number, but I've told them plainly they are calling the wrong number!! The FTC should have all the reports I've filed with them about this unethical company and their repetitious, annoying calls to my home. They don't care that I'm on the Do Not Call Registry, that's obvious, but maybe the Attorney General of SC will make them care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has to do with a XXXX XXXX Credit card that was paid over 10 years ago when after it was with a different collection agency, and they are trying to collect after the legal time allowed. There are many complaints on this company. I called them and told them to stop contacting me and they said they would not. Portfolio Recovery Associates needs to stop this behaivor

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
coinbase.com wo n't let me withdraw money I have sitting in my mobile wallet, despite having followed all of their instructions to have my bank account verified so that I can withdraw funds ; They also with very little signage only allow withdrawals in XXXX, when i sold my cryptocurrency i converted it to XXXX  thinking i would be able to withdraw, they charged me a fee for this -- they are now going to charge another fee to convert it to XXXX so that i can withdraw ( or so they claim ), this is ridiculous! Despite having followed their instructions to the letter my bank account is still unverified and so they are not allowing me to withdraw my money that is sitting in the mobile wallet. No one from their support has returned my email, I dont expect that they will, their forum is FULL of people complaining about the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX gave no notification or bill or email on an {$8.00} service fee. then reported account 30 days past due on a {$8.00} service fee. Of course then then added {$50.00} late on top of that. This seems like a scam to defraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On X/XX/17 my friend wired {$2000.00} through Western Union to me from XXXX XXXX, XXXX XXXX. I made every attempt to locate the funds at various Western Union locations but they would not tell me where I could pick the funds up, only that they were not at their location. ( My local Western Union had just closed down ). Finally, I called Western Union headquarters and was told the funds were returned to sender. When my friend tried to pick them back up they Claim they have no record of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately

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 2020-10-14
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This all starts out with XXXX XXXX XXXX and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that XXXX agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted NCB Management Services by mail to dispute the collection and included a copy of the CFPB complaint against XXXX, as well as, a copy of the Multi State Class Action Settlement against XXXX and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. 

I also spoke with someone from NCB Management Services over the phone a few days after the letter was mailed and informed them of the letter as well. XXXX themselves also instructed NCB Management Services to cease all collection efforts after they received my complaint from CFPB. 

I received a notification on XX/XX/XXXX that NCB Management Services has reported a collection of {$12000.00} to the credit agencies!! 

Now, for me to dispute this collection and XXXX instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and XXXX XXXX request is outright wrong!! Not to mention, this account should have never been sold to NCB Management Services in the first place!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX I was transferred to Well Fargo Bank as a re-finance.I was current status until XXXX XXXX. I was experiencing grave hardship.!. the mortgage escalated through flood insurance coverage.2.loss of income. ( stock market crash hit my chosen career hard from 2008. ) 3. loss of child support. The bank has written to me their intention to assist me and avoid foreclosure, but every time I pleaded for mercy and assisstance, it was a denial or an obstacle.I petitioned the Home Preservation Team XXXX. These dates fall into the time line of the news story that broke on XXXXLoan modification applicants may have been pushed into foreclosure by a computer error.There was a court hearing in XXXX, N.J . on XXXX XXXX.Honorable Judge XXXX XXXX ruled a temporary extension to an eviction through The Sheriiff Dept.of XXXX XXXX.Wells Fargo bought the house back. I believe there is a way to negotiate and rescind the property back to myself.This is an urgent matter.Enclosed documents.

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 2018-08-17
Company: EQUIFAX, INC.
State: MO
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 previously sent a complaint with you and nothing happen company still has not removed inquires it has been well over thirty days and nothing is done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: WELLS FARGO & COMPANY
State: FL
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 filed a dispute with Wells Fargo Bank in regards to multiple unauthorized charges by ex boyfriend who maliciously stole all my bank information to pay for car insurance and car payments with out my knowledge I have been getting nothing but the run around by this bank institution. Might I add this mans name was not on my account and we are not married. When I closed the account they charged me XXXX dollars to close my account for fraudulent transactions made by ex boyfriend.

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 2018-08-17
Company: U.S. BANCORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
U. S.Bank denied me a signature loan for {$10000.00} dollars, they sented me a letter where in the letter it didn't tell me why exactly I was turned down only the credit bureau they used ( XXXX ) .Went to U.S.Bank XXXX Branch ( XXXX , Mo . XXXX ) and spoke with XXXX about my signature loan being denied ( {$10000.00} ) He said XXXX   turned me down so get your credit report and come in the branch when you get the credit report and we ( me and XXXX-U.S. Bank employee. ) will go over it .But I said " Didn't your underwriters turn me down for credit whats the reason, then he says " I'm not going to talk about your credit with you.So I still do not know why U.S. Bank denied my signature loan. 
Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent In a letter certified asking them to validate this debit and attached below Is what I recieve. Im asking that this info Is look into for It Is damaging my credit.this Is not a copy of a validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: EQUIFAX, INC.
State: CA
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:
Equifax failed to protect my identity. 3 breaches have my personal information!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TN
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:
I was able to put a freeze on my credit with XXXX and XXXX very easily with a phone call. After 2 days and multiple attempts by phone and website I am still unable to put a freeze on Equifax because after accepting all the information both ways tell me they can not process the information right now, even though they are the reason why any of the freezes are necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I missed a payment because I was hooked up to a XXXX in the hospital with XXXX XXXX. 

I have called the lender and detailed the situation several times. They have said that I don't qualify for forbearance or a good faith forgiveness. However while I was in the hospital hooked up to a XXXX  there was no way I could make payments. 

Since the missed payment I have continued to make all other payments timely. 

The lender ( Chase ) has essentially told me too bad and that they do not care about their customers. 

XXXX was very hard to beat however I beat it. And It is not right that now My credit score is 140 point lower than it used to be and I can't qualify to buy my family a house. 

The attached document shows a due date change that I made the payment by. Not only are the falsely reporting I was late but they also won't acknowledge that I was sick. Heartless ...

Company response to consumer: Closed with explanation