BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance process with Freedom Mortgage on XX/XX/XXXX. They emailed me with instructions to access their website and provide the documents they listed which would be necessary for the process, which we did within 24 hours. Subsequent to that, we received request for something called a XXXX XXXX XXXX from our homeowners association. I contacted my XXXX, was advised we do not have a XXXX XXXX XXXX and to provide our bylaws with an explanation accordingly. I have had multiple discussions via phone and email with various representatives from Freedom Mortgage, including escalating to supervisors and managers. Freedom Mortgage advised me this would have been filed with the city XXXXr county and that it is always needed for the mortgage process. I have been in this house for almost 20 years, and refinanced several times, never have I been asked for this document. I researched XXXX XXXX XXXX and learned that not every association has something exactly called XXXX XXXX XXXX so I contacted my XXXX again and asked for any documentation that was filed with XXXXhe county regarding any restrictions or conditions. I was provided with a signed document filed with the county Declaration of Restrictions & Assessment of Liens ( attached XXXX. Freedom Mortgage representative, XXXX XXXX, advised me on XX/XX/XXXX via the verbal conversation that this was the documentation they needed. Today is XX/XX/XXXX and again I have another rep from Freedom Mort. emailing me asking for XXXX XXXX XXXX in order to close the loan. My concern is 1 ) they never told me up front that they would need this prior to me approving them pulling my credit ; 2 ) I've provided everything my XXXX has ; 3 ) I get a different rep contacting me each time and there is no coordination with the team therefore have to start over every time ; 4 ) they pulled my credit, per my authorization, and now my score has decreased because we haven't closed yet and 5 ) They currently hold my mortgage and have for several years so why are they asking me for this now?. They were not clear that this would be needed otherwise I would not have proceeded since my XXXX doesn't have this.

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 2017-10-25
Company: Iron Capital Group
State: OH
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:
On XXXX XXXX, 2017 Iron Capital Group submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted Iron Capital Group about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ). They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted Iron Capital Group nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Trident Asset Management, L.L.C.
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: Account information incorrect

Complaint:
The account is paid through my insurance company. I have told this to this collection agency numerous of times. This collection agency have no right to collect anything. 
This account was to the doctors office by my insurance. 

The other account was paid directly to the original creditors. I do not owe anything to these collection agents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the debt and settled the account with XXXX XXXX through XXXX XXXX XXXX and it is being reported incorrectly in 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
Consumer complaint received 2019-03-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have signed contact nor any contract with Midland Funding. I have never done business with these company. I am not liable for collection from this debt. I am not liable or responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, 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:
Upon reviewing my report incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquiries to be removed - XXXX XXXX XXXX USA Inquiry : XX/XX/2022, XXXXL XXXX XXXX : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A bank teller at the Wells Fargo XXXX XXXX Wells Fargo branch helped me file a complaint for a fraudulent wire transfer, as a result to a hack to my email account where the hacker impersonated one of my vendors and gave me fraudulent bank information in order to re-route a payment to them. The case was assigned to Mr. XXXX XXXX at the Wells Fargo Fraud division. I called every day for 2 1/2 weeks and the customer service people at the bank transferred me to a different online department every time and told me that they were still awaiting a resolution, but that they were optimistic as far as the outcome because the wire transfer was the result of a fraud. Every day I called, got transferred a few times, then got the same response and they told me to keep calling. Today I called again and the representative at Wells Fargo online wire transfers told me the case had been closed 10 days ago and that they would not recover my funds since the beneficiary 's bank had refused to refund the money. I have all my accounts with Wells Fargo and as a small business ( I own a small, woman-owned translation business in XXXX XXXX ) this affects me profoundly. The bank 's treatment of a valued customer is horrible. The stress and time I have invested in this is endless. Can you please do anything to help? It would be much appreciated.

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 2019-10-04
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, BOA unilaterally closed my bank account without any notice, and seized all account funds in it ( approx. {$22000.00} ). BOA sent a letter notifying me of the account closure, but no reason was given. After a visit to my local BOA branch office, and repeated calls to BOA, I finally learned that my account closure was due to " Suspected ACH Deposit Fraud '' on the account ( there was none ). BOA never reached out or communicated to me in any way before closing the account. The funds in this BOA bank account were my California Employment Development Department ( CA EDD ) benefit, which I have been regularly transferring into this checking account. BOA has now closed this account for no legitimate reason, and the funds are gone. I emphasize that my CA EDD benefits are all qualified/legitimate, as is all activity on this bank account. There is absolutely NO FRAUD in this matter.

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 2021-02-13
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I received an alert from PayPal claiming that I sent {$90.00} to someone by the name of " XXXX XXXX '', which I clearly did not make this transaction. I went to go file a dispute on the transaction that it was unauthorized. PayPal refused to reimburse me and dismissed my claim. This is abysmal customer service for PayPal to not reimburse a consumer for a transaction that is clearly unauthorized. I am a consumer whom should not have to face being robbed of my hard-earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-13
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:
i have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder XXXX XXXX has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get lvnv funding to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.

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 2017-07-28
Company: Skopos Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a vehicle repossessed in XX/XX/XXXX 2015 and the company is still reporting the vehicle as open and the balance is still accumulating interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This is all started back in XXXX of 2019, when I notified Home depot that I had received bill showing charges made at a home depot store far from my home, they began their investigation, I explained to them that I didn't even have the credit card, because I had cut it up months ago after I payed it of. I received a series of letter showing that the accounts investigation had concluded in XXXX and they advised that all the charges had been credit to the account and that all fees and charges have been removed. A letter dated XX/XX/XXXX, states that another fraud investigation was going on, upon research I can see that the credit card number ends in a different number and I had my son call them and they stated this was for the same amount and at the same store that the other fraud charges were from and also the letter were now in Spanish and I never changed that, I have called home depot every other day and can not get through to them and when I have spoken to someone they give me the run around. I do not have the plastic credit card, the account is still open but I have not made any purchases on it in months. I only shop at the local home depot from my house, I do n't drive far distances. I strongly believe that is an employee doing this because I can seen to get any answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citibank suddenly suspended my account. I have no issue with it. 

But the problem is my remaining balance. They said they would deliver an account closing letter for me but I never received it. I only got an email that they sent me an e-letter to my Citibank app, but since they had closed my account, I can not log in to the Citibank app anymore, so there is no way for me to check the account closing letter. 

I called the CS many times but all of them can not fix the problem, even can not give me a clear solution where or how to collect my remaining balance in the account. Before there was a CS told me that I could collect the balance in any branch, but when I went there, I was told that they still have to wait for the internal department to decide. Such poor internal communication and Wasted my time. 

Please be professional and send me the remaining balance by bank cheque ASAP. 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 2020-12-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today I contacted y'all dispute department about my claim Date,XX/XX/XXXXTransaction. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX CA XXXX CARD XXXXAmount, $ XXXXClaim Number,XXXXStatus : Closed because I never received my refund check in the mail yet I told. She told me that I would decide in the mail in 10 days because she will have someone look at it. I told her what the other agent told me last month that she will have them send me a check in the mail for {$9.00}, and my claim was approved because she couldn't refund it back to my account. After all, my wells Fargo account is closed.

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 2017-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2021 I applied to rent an apartment in XXXX XXXX. I sent {$3100.00} to what i thought was the leasing agent. When I went to pick up the keys I found out it was fraud and there was no apartment. I contacted bank of america to report fraud and they opened a claim # XXXX. 

They responded and said there was nothing they could do because i submitted the wire transfer. 

I contacted the police and filed a police report XXXX # XXXX officier XXXX XXXX XXXX. 

I also filed a CFPB claim XXXX with XXXX and they responded saying they will return the money if BofA sends them the proper indemnity letter. XXXX claim XXXX phone XXXX. 

I called BofA and they are refusing to send the letter. 

Police have verified fraud, XXXX has agreed to send money back and yet my bank, BofA, does not believe it was fraud and will not send the form.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The vehicle was stolen. My auto insurance paid the account then the remainder of the account should've been paid through the GAP insurance that I took out when I purchased the vehicle. XXXX has been very difficult to work with and is refusing to remove the account from a charge off status. This account shouldn't have been a charge off.

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 2017-10-25
Company: TCF NATIONAL BANK
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been behind on my payments with XXXX Mortgage for over a year. Almost always less than 30 days behind. XXXX has done nothing to help me get up to date. I have asked for help and they indicated they can not help unless my payment is current. 

I am currently 30+ days delinquent and they showed up at my house to tell me they are going to start foreclosure! Can they even do that? My husband is XXXX and this has put him over the edge! I have always handled our finances and they knew that. They went to my husband ( he is on the mortgage ) without any warning. I am furious! 

Lastly, XXXX has refused to help me get caught up by offering a loan adjustment, and have been raking in a $ XXXX late fee for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX CHILD SUPPORT ENFORE XXXX  Balance {$12000.00}, XXXX XXXX XXXX  Balance {$190.00} XXXX : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, ATTORNEY XXXX XXXX Balance {$12000.00}, XXXX XXXX XXXX Balance {$64.00}XXXX XXXX XXXX XXXX  Balance {$64.00}, XXXX XXXX XXXX  Balance {$64.00}, XXXX XXXX XXXX Balance {$340.00}, XXXX XXXX XXXX Balance {$64.00}, XXXX XXXX XXXX Balance {$57.00}, XXXX XXXX XXXX  Balance {$1800.00}, XXXX XXXX XXXX XXXX$670.00}, XXXX XXXX XXXX Balance {$4400.00}, XXXX XXXX XXXX  Balance {$700.00}, XXXX XXXX XXXX Balance {$1900.00}, XXXX XXXX XXXX Balance {$190.00}, XXXX XXXX XXXX Balance {$1300.00}, XXXX XXXX XXXX Balance {$1900.00}

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 2022-04-02
Company: EQUIFAX, INC.
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:
I am a victim of Identity theft. I have enclosed my ID, Identity theft report and a notarized Identity theft Affidavit proving it is in fact me that submitted this dispute. I did not make these charges mentioned with the list.

Company response to consumer: Closed with explanation