BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
bank of america-XXXX tried to help told me to call back another number XXXX that number was the wealth department who said i had a consumer account not a wealth account! transfers go on and on five more departments till no one wanted to play ring around the teller with me any longer! Thr " I.R.S. '' told me on XX/XX/XXXX THAT BANK OF AMERICA REPORTED A XXXX  UNDER MY SSN my question to the bank, has, and will still be.Who is reporting income on my behalf? it is a tiny {$45.00} dollar amount but it this money let alone this account is unknown to me id like to know more. you report income using my social security number, my address my name my zip code you even use my city.its frustrating being told they no longer can access that system because its been 10 years or 7 years,,,,, news flash its only been four days since i found out about this account, i went to the irs because i had a feeling this wouldn't go away because this has been going on since XX/XX/XXXX.please help

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 2021-05-02
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On the 1st of XXXX, 2021, I applied for the XXXX XXXX checking account, but for all intents and purposes a savings account. My application was rejected without any reason. I explained that I have a very good credit score and I hold a XXXX XXXX XXXX XXXX with the XXXX XXXX. Also, there should not be anything negative in my background check, therefore the information they used to identify me must be incorrect ( I identified myself using my US passport and the SSN. ). The customer service representative refused to provide any details on the subject nor take steps to investigate and correct the information that I disputed. 
In addition, the bank refused to provide me with an adverse action notice, except for allowing me to take a screen shoot of the online application denial ( which I have attached to this complaint ). This does not provide the name or contact information of the checking account reporting agency on which data the bank made their decision. At the highest level of customer service support available to me, I was refused my right to know what specific information submitted on their website triggered their decision to deny my application and was not allowed to know the name of the company that provided the data to check the veracity of my submitted information. The most specific information I could get was that the decision is done by a system process and subject to internal review, not available to me. I was expressly denied any opportunity to speak to someone that my review my case or allow me to prove that the information they have about me is incorrect. Because of these, I believe the bank did not treat me fairly.

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 2018-04-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I would like to file a formal complaint against Wells Fargo Bank. Less than a year ago, my husband and I purchased a foreclosed home from Wells Fargo Bank ( they are listed as the Seller on all of our closing documents ). We were informed that the home came with a home warranty up to {$1500.00} maximum for repairs only. When we tried to use the home warranty for a crack in the foundation that grew significantly bigger over the months ; Wells Fargo stated that they could not identify our home warranty and that a home warranty did not exist. 

It was extremely frustrating because we have contacted the Seller 's Real Estate Agent and he instructed us to contact Wells Fargo. For days we called Wells Fargo and no one could provide a definite answer regarding the home warranty, advice about who to contact or anything. We even contacted Wells Fargo 's Customer Service, Asset Managers, and the Executive Headquarter Office and all we received as an answer was that " someone would contact us ''. No one has contacted us yet. The information that a home warranty accompanying our home is fraudulent and Wells Fargo states that they don't not know anything about it. 

The mortgage is not through Wells Fargo. Wells Fargo sold us the foreclosed home and is listed as the Seller on our Closing Documents. 

Your assistance in looking into this matter will be greatly 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 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
customer service would not help and take care of the negative inquiries reporting to my credit report. I've sent out two authorized letters to the transunion credit bureau & the creditors in XX/XX/XXXX to all the inquiries seen. 3 from XXXX XXXX dates of inquiries XX/XX/XXXX, XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 3 from XXXX   dates XX/XX/XXXX, & XX/XX/XXXX..XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2018-06-28
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recently set up a payment agreement with Raush Sturm on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom XXXX XXXX that they now have my account after I just set up an agreement with Raush Sturm to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called Raush Sturm they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with Raush Sturm two weeks ago and now it is closed and XXXX XXXX has my account. I need to know what is going on and who I need to pay and why the account got closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: ERC
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: Account status incorrect

Complaint:
My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were informed by SPS that they have 30 days for the short sale decision. On XX/XX/2019 marked the 30th day so we called to follow up and they said that they still need some documents from the investor to complete the short sale review. This is not acceptable. We have waited for months not just 30 days after they ran around with the file. 

Now, that the 30 days lapse they will tell us another reason. This lender is worst of all lenders. We have been very kind and patient all throughout but to wait for months is not acceptable for all parties involve who invested their time and money. 

We would like for SPS to approve the short sale ASAP and get this done. CFPB has the right to call out their wrong doings. This is unfair to all their clients. The time spent for the review is outrageous. 

We hope you can help us on this matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Between XX/XX/2018 and XX/XX/2018, XXXX XXXX announced a major data breach. I received notice from XXXX that I am a victim of the data breach. There are 3 fraudulent and unauthorized accounts and credit inquiries on my XXXX, XXXX  and XXXX XXXX credit report that are fraudulent, unauthorized and don’t belong to me, and is the result of the XXXX   data breach and a compromise of my personal information. The following accounts are fraudulent, unauthorized and I didn’t apply for the accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and a result of the XXXX XXXX data breach. The following credit inquiries are fraudulent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: Navient Solutions, LLC.
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:
Navient and XXXX XXXX are both reporting I have been delinquent 120 plus days on my credit report back in XX/XX/2014which is dramatically impacting my credit score. Reports show in XX/XX/2014my loans were 120+ Days late. This is I accurate I have never been late paying on my loans EVER. I have had to pay credit repair services to take the late payments off to which they successfully do but then XXXX XXXX and navient once again report these inaccurate late payments again shortly after It is removed. I want the late payments removed permanently. These problems did not occur until navient bought XXXX XXXX. I have seen through the credit repair service I have used that navient and XXXX XXXX say charge off and settlement I have no clue what these companies are doing but it needs to stop! I want to know why XXXX XXXX and navient are BOTH reporting the same thing as well? Didnt navient but XXXX XXXX? Why is XXXX XXXX continuing to hit my report It is showing 120+ Days late 4 times every time due to mynlaon being 2 separate loans however, because they both continue to report negatively It shows double!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by  failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I do not owe these debts! stop contacting me or i will sue you!!!

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 2021-05-02
Company: EQUIFAX, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Capital Markets Cooporative, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX acquired my VA home loan from XXXX sometime in 2017. Due to their flawed business practices and poor accounting, they failed to reconcile my home insurance information and proper property address from XXXX. Consequently, they took out an unauthorized and unnecessary insurance policy on my home which already had insurance through XXXX. 

XXXX sent the insurance policy by fax numerous times, their automated fax system failed to reconcile my insurance policy as well. I eventually provided the insurance policy from XXXX through an online portal on the XXXX XXXX website, but they already had the policy open for at least a month, resulting in at charge to my account of over {$170.00}. 

XXXX XXXX and their collection company XXXX ( XXXX XXXX XXXX ) have been harassing me by phone and mail to pay this additional amount and I refuse, because the policy was unnecessary and I never authorized it. It's their policy, and they should pay for it. I shouldn't be punished because they have flawed business practices and poor account management. I never authorized them to purchase my loan from XXXX and I wish they never had as it's an incompetent company. 

Please step in and protect me as XXXX XXXX has been unwilling to pay for the mistakes they made and I shouldn't have to pay my hard earned money to a crooked company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My major complaint is that my payments were mis-applied and then my file was sent over for Foreclosure. 
They have stated that I have gotten 3 modifications and that is not true. 
If they are a debt collector, then my alleged debt has already been paid when it was transferred over to them and I would like for my file with them to reflect that. 
XXXX did not forward my information over to SPS Servicing and I had to start the modification process all over again, only to be told that it was not a good business decision by my servicer and to deny me any services

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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:
I have tried since XX/XX/2017 to have XXXX, Equifax & XXXX correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
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:
[ XXXX XXXX ] has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus. 

I closed this count in XX/XX/2017 and it has yet to be reflected as such on my credit report and is still accumulating interest I Spoke to XXXX XXXX who advised our request for validation of this debt has not been received. 
at this time this debt is considered Legally noncollectable

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 2018-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
When applying for a credit limit increase on your site you there is a check box that indicates " By selecting this checkbox, I am allowing the bank to access my credit report, if necessary. Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' I NEVER selected this option as I am in the process of clearing my credit of all unnecessary inquiries. Based on your site I never authorized your company to access my credit report and thus you have violated my rights as an individual ... As proof I have also requested an increase on my credit lines on XX/XX/XXXX and did not give approval for access to my report and I woke up with alerts stating my credit report was again pulled without permission.. Please remove the inquires on my report from XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) and from the original complaint of XX/XX/XXXX and XX/XX/XXXX. Thank you!

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 2017-07-31
Company: CONTRACT CALLERS 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: Old information reappears or never goes away

Complaint:
Original debt from XX/XX/XXXX for {$310.00} to XXXX XXXX XXXX XXXX fell off my report in XX/XX/XXXX. Account was apparently bought by Contract Callers Inc and put back on my report with a delinquency date of XX/XX/XXXX and date to fall off listed as XX/XX/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 2018-04-19
Company: JH Portfolio Debt Equities, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
JH Portfolio Debt Equities has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has decided to once again add fraudulent information that was originally submitted as identity theft back onto my credit report. I have to call them almost every month to get this resolved, and transunion continues to change the name of this credit account and then re add this back. 

I never opened an account with XXXX XXXX. I do not own this account, This account was opened as a Result of Identity theft. Someone stole my wallet, and then used my information to open this account. You already have an FTC Identity Theft Law enforcement affidavit on file with your Specialized Fraud team yet you still continue to re add this back onto my credit file after previously blocking this account. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} Owed < - This is not my account. Originally two months ago this was XXXX, then it went to XXXX and then to now XXXX XXXX. This account is fraudulent and should be permanently blocked per FCRA Law.  Please review my Identity Theft Affidavit that you already have on file. 
XXXX XXXX XXXX CARD SERVICES XXXX, GA XXXX Additionally Transunion allowed an inquiry from XXXX XXXX on XX/XX/2018 and XX/XX/2018 this is a fraudulent inquiry that I DID NOT AUTHORIZE.

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