BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: EarnUp Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage paid by the company Earn Up. Every 2 weeks they deduct {$620.00} from my checking account to pay my leader ( XXXX XXXX ) so that I make 2 additional payment a year. On XX/XX/XXXX they deducted the payment of {$620.00} REF # XXXX ( this payment cleared on XX/XX/XXXX ) on XX/XX/XXXX the deducted another {$620.00} REF # XXXX ( this payment cleared on XX/XX/XXXX ). See Attachments When I called Earn Up I was told that neither payment cleared the bank and that I needed to send them the proof that they did clear. On XX/XX/XXXX I e-mailed them copies of the statement from XXXX XXXX XXXX XXXX showing both payments had cleared even though the second payment over drafted my account by {$540.00} and I received an over draft charge of {$36.00}. 

I have called Earn Up every work day talking to the following people ; XXXX, XXXX, XXXX, XXXX and XXXX to name a few. I can never talk to a supervisor since they are always in meeting and even though I've requested a call back I have never received one. 

My account has now been suspended with no idea as to when or if they are going to pay my mortgage payment for XXXX. According to my bank they have received {$1200.00} and I have now been charged {$54.00} in bank fees. I have deposited into my account with XXXX XXXX XXXX XXXX funds to cover the over draft of {$600.00} so that I will not receive any more penalties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. Experian solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. Experian completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.

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 2023-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Bank of America account was closed due to fraudulent activity regarding a check I deposited. I was fully unaware that I was being scammed. On Wednesday XX/XX/2023, I received an email about a job offer. At that time, I was all over the internet searching for remote customer service jobs and the timing for this " offer '' I received at good time. The Job description was a customer service representative for a medical tech company. The job listed that I'd serve customers who were ready to order a product, also stating that usually customers would spend about {$15000.00} and that I'd be paid 20 % of each transaction. I thought that this job would benefit my family and I. The job also came with instructions for me to send my information such as name, address, and phone number. I replied to the scammer with my contact information. I'd reach out to the scammer the next day to see what the status of my application was and the scammer replied to me stating that there are many applications they are looking through and that they will send out a payment in the form of a check for my assessment. 4 days after, I received an email from the scammer and they said that a check was Issued to my home via XXXX and they also provided me a tracking number. The scammer then gave me a task and what I needed to do was to take the check that they had sent me, and deposit it into my bank account. At that point, I'd become majorly skeptical about the task, but I decided to carry on with the task because I didn't want to lose my ability at losing a great paying job. The scammer then asked me to send proof of the deposit and I followed their orders. Each day after, the scammer would ask if the check had deposited and I would update them the status of the check. I would then go on to updating the scammer until XX/XX/2023. My account was randomly closed and I was genuinely confused. I then called my banks customer service to get a better understanding of what the situation was about, and they told me that my account was closed due to fraudulent or suspicious activity. I was really confused and I asked if I'd be able to open a new account and Bank of America stated, " we will permanently revoke you ability to create a new account and we will be ending our relationship. '' I was completely unaware of being scammed. I was completely unware of the check being fake. It's not right that I got my account forcefully closing my account without giving me the chance to reverse it.

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 2023-04-25
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My lease vehicle was stolen from a dealership XX/XX/2023, whilst in for a repair and my insurance company paid the lease company Ally Financial, a valuation much higher that what was remaining on the lease. XXXX ( my insurance company ), have paid Ally, {$21000.00}. The lease agreement included, a residual value, {$14000.00} and remaining payments XXXX @ {$220.00}, {$1.00}, XXXX. A total of {$16000.00}. Ally have made an extra profit of circa {$4000.00} because of my mis-fortune and I requested a refund to help with replacing the stolen vehicle. I reasonably expected a large institution to consider my request as we are in a fairly rare circumstance where used car values have increased. 
Following numerous calls and several letter with the financial institution, Total Loss department, Lease Department, and customer services I was assured that I would receive a call from a supervisor in order achieve satisfactory resolution to our dispute. I contend that a large company should not make a significant gain at my loss. I should receive a refund to help with my hardship. Whereas the lease agreement does not afford me this entitlement, I have been hoping that Ally would make a business decision in line with their mission statement re customer focus. Disappointed that they have not taken the opportunity to show any consideration to my request but simply refer to the contract

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 2023-08-18
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I find the Consumer Finacial Protection Bureau Complaint Number XXXX response from Ford XXXX rude , suggestive, derogatory and favorable to their affiliate XXXX XXXX XXXX with admitting of participation in illegal activity. If there is something I have done, I think everybody should bring it out in the open. Here is the complaint revised. On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled C-3 stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my diver license to identify myself. Remember I was only shown document labeled C-3 and I will solemnly swear under oath and with a lie detector to that fact. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan likening. I finally got up and headed home. When I returned home, I seen that there were seven banks on my Experian account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. I also see that XXXX XXXX XXXX XXXX a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score so that the car dealer can make a loan offer. So why the other seven bank loan applications that I was not informed of by paper or word of mouth. I know with my experience in going into car dealerships that the car dealership has the consumer sign every piece of paper shown to the consumer to prove that every piece of paper was shown. Can Ford XXXX provide the only legal way of giving permission for this credit application of a signature on that letteral page/paper?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. 

Thanks.

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 2023-08-18
Company: Resurgent Capital Services L.P.
State: TN
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:
In XXXX of XXXX XXXX & XXXX, attorneys for LVNV Funding garnished my wages for {$1000.00} for case number XXXX. This was fair as I owed that. In XXXX XXXX I got garnished again from the same case that I had already been paid in full for the out of {$880.00}. I got garnished XXXX times for the same account. This is embarrassing as well as my credit score went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21
Company: Credit Protection Association, L.P.
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:
Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 2023-02-09
Company: Experian Information Solutions Inc.
State: MI
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: HW Holding, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019 I submitted a dispute with XXXX  Credit Bureau for a collection account, Hunter Warfield ( XXXX XXXX  ) after not receiving a response to my debt validation letter sent to them directly. I requested proof of this debt validation and to have it removed if there was no physical proof as this negative item has ruined my credit reputation. This lease was completed and the balance is not accurate. I've asserted my rights as a consumer to the files and documents used to verify the accounts reporting on my credit report and was told that if I didn't have proof of this inaccuracy or my own documents then the item will have to stay on my report. 
On XX/XX/2019 the account above was " verified '' as being correct and that the agency/original creditor suggests I submit documentation or proof that it is inaccurate. 
XXXX  will not remove this account and the original creditor XXXX XXXX and collection agency Hunter Warfield has not provided me any physical proof or documentation as requested. This negative item was removed from my XXXX  and XXXX  credit report promptly because of the lack of proof but XXXX has refused.

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 2021-09-14
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened a Cryptocurrency Acct. with Coinbase.com back in XXXX. Since then I have steadily bought Bitcoin, ETC and Cardano. On XX/XX/XXXX I tried to log into my Acct using a strong pass word and 2FA. The codes would not work. Then I got an email from Coinbase that my 2FA had been changed. In the next few minutes I got about 5 emails showing various transactions that I did not do. The total amounts added up to about $ XXXX. That was the amount I had in my Acct. the previous night when I checked. I immediately shut down my acct. changed the PW on my email and the PW on my Coinbase Acct. I got an email from them asking me to take a picture of me holding up my ID and a piece of paper with the words " For Coinbase Verification '' and the date I was doing it. I did all that and even sent them a picture with my Pass Port. Since then I have called Coinbase every day and sent them emails. I get a standard email stating they have passed my case to a " Specialist '' and will " Escalate '' this case. No one ever gets back to me. I'm currently locked out of my Acct. and so dont know if my money is even there. I also called my phone provider to ask them if may be I had been SIM hacked/swaped and they said " No ''. These were funds that we had saved over a four year period. We were going to liquidate the acct. since we were in the process of buying a home this week, and this amount was the down payment. Now we lost our funds and the house we were going to buy. I have kept track of all the emails, about 10 reps that I talked too and all the transactions that I did. I seriously need some help to get my funds back. I got a case # which is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX, my husband and I were behind on our mortgage with Bank of America, I did a quick deed and my home was put in my name, Bank of America did nothing to help us, they transferred our loan to another Mortgage Company who helped me stay in my home, my husband passed away in XXXX. I have been current on my mortgage, I went to refinance my present mortgage and was devastated to find out I owed Bank of America XXXX! I was shocked and depressed over this and I am close to XXXX XXXX XXXX, Why wasn't I informed about this? Nothing was ever sent to me in the mail, why in the world wasn't this amount transferred to my new mortgage company?? I keep getting letters addressed to my late husband 's name, my name is no where on this letter, I am so confused and upset, I will never be relaxed about this hanging over my head, I am ashamed to tell my children, I called several places to no avail, if a Bank transfers your loan to a new servicer why would you not include this? A lot of people are telling me something is wrong somewhere when they transferred my loan to my new mortgage company, please look into this for me, I Truly believe that Bank of America charged me outrageous fees back then, please clear this up for me? My XXXX big question is if they transferred my old loan for XXXX which is what I owed Bank of America why do I owe a partial claim for XXXX? Something has to be wrong with my situation.Thank you for listening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX on XX/XX/2019 gained unauthorized access to my credit 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