BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I initiated a wire transfer of {$800.00} in person, at TD Bank Branch # XXXX ( XXXX XXXX XXXX XXXX, XXXX NY XXXX ). This money was being sent to my mother. XXXX XXXX # XXXX. 

On XX/XX/XXXX, the transaction was posted to my account : {$800.00} were deducted from my account. The wire transfer never reached my mothers bank. 

My statement ( attached ) shows the only note on that transaction : XXXX WIRE TRANSFER OUTGOING, SUSPECT/BLOCKED OFAC WIRES Starting XX/XX/XXXX, I kept reaching out to the TD Bank Customer Service XXXX XXXX, also went to the Branch # XXXX in person, and reached out to XXXX XXXX XXXX Vise President, Store Manager, TD Bank ) and XXXX XXXX XXXX Store Supervisor, TD Bank ) with multiple requests to return my money to my account or provide any official information as where the money has gone to. TD Bank keeps refusing to send me any letters to confirm anything in writing. The only response was from XXXX XXXX in his email reply on XX/XX/XXXX you need an XXXX license to release the wire. Ever since, Ive been trying to obtain information required for the application for that XXXX license, but the Bank refuses to provide the required information for teh XXXX application. The Bank gives me a run around - so I dont have information to complete the application for XXXX license.The Bank refuses to assist with the application. XXXX does not reply to my emails. XXXX states he will call back, and does not. Customer Services states it's the Branch that has to file for the XXXX application, not me. 
The only written document I received to date was a printout on XX/XX/XXXX ( attached ) that shows that {$0.00} left TD Bank - this was printed after my multiple requests in person at the Branch. I never received any confirmation if TD Bank started a Wire Transfer Investigation as I had requested. 
Yet, the {$800.00} is gone, as if vaporized. XXXX actually said I am not the only TD Bank customer in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Home was flooded due to a burst pipe. Loan servicing provided incorrect information for insurance claim payment processing and endorsement. Causing delay in remediation and repair work so that I can return to home. Already one week behind with the delay in the turnaround of process. Should have disclosure of detail of process on website and be directed to it as soon as a call is made to service call center. Guidance completely opposite and different than process. I took notes and have it all written down. Very poor for this type of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo allowed a fraudulent checking account to be opened in my name. I have never banked with Wells Fargo before receiving multiple emails regarding a new checking account in my name. 

Wells Fargo, despite allowing a complete imposter to open this account, refused to allow me, the person whos name and information is on the account, to close or freeze the account. Because the fraud occurred on a XXXX  before a holiday, Wells Fargo stated they could not help me with anything until XXXX, allowing fraudulent activity to occur for at least XXXX days without any problems whatsoever.

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 2020-01-10
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For almost a month I have been locked out of my account with my vanilla card not able to access any funds and they will not release yhe hold on my card. I have sent in verification and they say its not valid even though it shows name, address, amount owed on bill, and the date. Everything they said I needed to show. I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE FILED DISPUTE IN THE REGARDS THE TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 TO 45 DAYS AND HAVEN'T RECIEVED ANY INVESTIGATIONS RESULTS. { ACOOUNT NAME 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 2020-01-10
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:
I am filing this complaint because Experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue 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 2023-08-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$560.00} XXXX  XXXX Balance : {$2900.00} ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I just received a new credit card from XXXX XXXX. They gave me a TransUnion credit score of XXXX. Now according to XXXX XXXX my TransUnion score is XXXX. Now that is a 92 point difference. I dont know which score is accurate. Please let me know..

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 2018-12-11
Company: Titan Receivables, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It may Concern, I started the process of refinancing my home in XXXX Ny with the XXXX XXXX Bank, nearly one year ago! 
Every month because of one thing or another it was delayed. 
I finally have gotten them al the documents they can possibly need. 
The last thing i did was send in paperwork to clear up a forbearance issue. 
The truth is i was making payments for months but for some reason they didnt register everything correctly. 
The Mortgage service company, Dovenmule, received my payment and signed paperwork on the XXXX of XXXX and said theres up to a 2 week wait period. 
It is now 60 days later and they still didnt clear it up. In the mean time mortgage rates are rising and i am suffering as a result. I have bills to pay and am unable to do so as a result of this refinance taking so long. 
If there is any way you guys can help id really appreciate it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Tonight I called XXXX XXXX XXXX and attempted to pay off the remainder of my loan. 

I was told I can not pay it off for another 14 days till proof of my last payment ( posted XX/XX/XXXX ) shows in your system. 

I borrowed a total of {$2500.00} on XX/XX/2018 at an interest rate of 251.70 % To date, I have paid a total of {$3700.00} to XXXX XXXX XXXX for the borrowed amount. That is {$1100.00} in interest already paid. 

I was told tonight my payoff amount would be {$2100.00}, but I would be unable to make the payment till the end of the month per your system. 

That means another {$520.00} in interest will be charged before I can pay off my account. 

By that time, a total of {$4200.00} will have been paid. With the " payoff '' amount offered tonight, the total would be {$6300.00}. 

This is extremely insulting, unprofessional, and predatory. I just lost a huge part of my wages as my work has been greatly scaled back and I am in a very bad financial position. I was hoping to pay off the account early with some money I was able to save. Unfortunately XXXX XXXX XXXX is holding me hostage in order to collect two more payments of interest before I can pay off my loan. 

It is evident that the plan of action here all along is to string me along till the end of XXXX. 

It is extremely unfair to me. I have already paid XXXX XXXX XXXX {$1100.00} in interest since XXXX and I cant payoff the loan till more interest payments have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TD BANK US HOLDING COMPANY
State: GA
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:
In accordance with the fair credit Reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for gl purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We had a XXXX XXXX XXXX with Citizens Bank, I had tried to payoff the balance of {$460.00} online and it did not appear to go through. On XX/XX/22 I went to the branch and asked if they see that an online payment is coming through, they said no. I asked for the payoff amount and gave them a check for that amount of {$530.00}. On XX/XX/22 {$460.00} was then deducted from my account. I called right away and was told they don't see it, but supposedly put in a cancel. I called again about a week later and was told oh they have it and was just sitting there. A few days later I called back and was told about 10 days ago that they were sending it to me via fed ex. As of Friday XX/XX/22 I had not received the fed ex. I called and no one called back. I called again today and continue to get a run around. I suggested that I just come to the bank and pick up the refund, no they can't do that said XXXX they alleged branch manager. Who has been giving me the runaround. I just want a refund of the overpaid amount and I want them to stop lying about where it is, since they still have it and my loan is paid in full since XX/XX/22. And I have yet to receive my documents stating that the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer was XXXX XXXX XXXX. On XXXX XXXX my new servicer became Mr. Cooper while in the middle of a refinance through XXXX XXXX XXXX XXXX. Mr. Cooper included the chase escrow amount plus principal balance in the new principal balance held by Mr. Cooper. Additionally Mr. Cooper included a {$25.00} charge for estimated payoff 7 days of interest as well as recording cost in my new principal balance that was refinanced by XXXX XXXX. Essentially Mr. Cooper increased the amount of principal debt and charged XXXX XXXX more for a loan in payoff. Is this legal? Why am I suffering for someone that wanted to buy my loan for free at my expense?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: GA
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a business checking account with Bank Of America which was opened over 5 years ago. Unless I keep a balance of {$3000.00} Bank Of America charged my account number ending in XXXX {$16.00} monthly. It was hard to maintain 3000.00 monthly. 
Now it got worse ; the new requirements now is to maintain {$5000.00} It has been difficult to maintain {$5000.00} so Bank of America keep charging my account {$16.00} monthly. 

I tried talking to them but it is of no use. 
The monthly charges of {$16.00} continue to no end. 
From XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date : XX/XX/2022 @ 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 2020-01-10
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/19, I made a purchase using my Brooks Brothers Platinum MasterCard serviced by Citibank Retail Services ( " Citi '' ) in the amount of XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$320.00} ). On XX/XX/XXXX, I contacted Citi concerning the charge and the merchant 's failure to provide the order. I received a response from Citi dated XX/XX/XXXX, stating that the merchant disclosed proof from XXXX that I signed for the package. ( See attached as Exhibit A ). This information was false and misleading. On XX/XX/XXXX, I replied to Citi with additional information from XXXX indicating that the package may have been  delivered but without signature as the merchant did not ship the package with a signature requirement, ( See attached as Exhibit B ). As such, I requested an internal review of charge, dispute process and further inquiry. In the interim, I made good faith payments to my account with Citi in an effort to avoid delinquency and fees. In addition I requested that all fees and penalties on the disputed amount be reversed. Since my initial dispute in XXXX, Citi has charged XXXX XXXX Dollars and XXXX Cents ( {$67.00} ) to my account and reported my account as delinquent to the three major credit reporting agencies. Their erroneous and egregious conduct has now affected my credit and ability to do business with other lenders.

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 2020-01-10
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Systems International called me to say I owe XXXX XXXX {$670.00} for XXXX  services. I have never used the aforementioned service and I do not understand what they are talking about. Besides that I have insurance and they would have advised me on if I really owed any one any medical bill. 
They called on a number which is XXXX which is a fraudulent number used by scammers. 
I checked Credit Systems International and they have a complete different number. 
When I asked them to give the number and address of the original people I owe they refused to give it to me. 
They have kept harassing me with letters and phone calls. 
They told me the company I owe from is XXXX XXXX but wouldn't give a number or an address. 
Please help me stop this harassment.

Company response to consumer: Closed with explanation