BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I purchased some home decor from a lady via XXXX pay in the amount of {$1500.00}, however after numerous attempts to get my merchandise with no response from the seller I requested a refund however she never gave it to me so I filed a dispute with my bank which they gave a provisional credit on XXXX almost a month after trying to get this lady to give me my merchandise. Then on XXXX today I receive a letter stating that US Bank will not give me credit and are taking that money out of my account XXXX however I just received this letter and it is dated for XXXX. We did not receive any merchandise and we feel we are a victim of fraud however neither XXXX pay nor our bank is actually researching this person. I have numbers for this person, email, and documentation stating every excuse in the book why the seller never shipped my merchandise and even after requesting a refund she still never gave the refund and now her numbers are just ringing with no voice mail. This is horrible, we paid {$1500.00} out for items we never got and our bank will not help us out. We would really like to get our money back for this items because this effects our business in a very negative way. We need some help getting this money back and our bank will not help us with these fraud charges. 

Please please help us get these funds back. ASAP. 

The bank is US Bank and the lady who is working at US Bank That will not help us is XXXX XXXX phone number XXXX The person I supposedly purchased from is XXXX XXXX her phone number that she gave me was XXXX or XXXX her email is XXXX and she also has a name listed as XXXX XXXX. 

This isn't right nor fair to have to fight this like this but we need our money back! 

All documentation I have is via email, invoice through XXXX pay or text messages from me to this person trying to get my merchandise delivered or picked up. So I am not sure how to provide all that in this complaint but I am happy to provide it immediately via email or fax or some way.

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 2020-11-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly sent certified mail letters to Equifax, XX/XX/XXXX, and XX/XX/XXXX to remove a credit item from XX/XX/XXXX because I am supposed to be included in this Class Action Settlement against XXXX. I wrote to the Office of the Attorney General, they sent me a letter dated XXXX XXXX with a PIU # of XXXX and said to follow up with XX/XX/XXXX who is administering money damages and XXXX is supposed to do loan forgiveness etc. I called XXXX XXXX because I never got a notice and they stated " I am not part of the Class Action Lawsuit '', despite having 2 auto loans over 23 and XX/XX/XXXX% interest rate. I have let the Attorney General 's Office know that these 3 credit bureaus have done NOTHING to remove this from my credit report, they have done NOTHING to help me get monetary damages, and XX/XX/XXXXcontinues to DAMAGE me and my credit reputation preventing me to move forward with my life. I CAN NOT get a decent job that is high paying, nor get a credit card, not even a car nor a house, and this has DESTROYED my ability to have any future. I want CFPB to HELP ME by enforcing Federal laws and make XXXX, Attorney General Office, and credit bureaus PAY ME MONETARY and PUNITIVE damages for my suffering here. I have a job working at an agency, but I have lost ALL chances of getting a Federal job. I am XXXX. Too old to get a real job now thanks to their destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX with the executive department refused to assist me, nor answer my questions regarding a fraudulent charge, almost three months ago. Key bank has not investigated the fraud, not shared pertinent information with me, so that I can defend myself legally, against false charges regarding this entire debacle. The person committing fraud, filed false police charges, Key bank said, " oh well, that's your problem and doesn't have anything to do with us. At all. '' Then XXXX copped a major attitude when I refused to allow her to berate and degrade me on the phone about my " many addresses '' and all sorts of outrageous things she felt entitled to inflict upon me. My address instability being the reason they have failed to do their jobs on a basic level, instead of mailing me requested documents that are needed for LEGAL PURPOSES, according to XXXX. Also, that she " would try '' to possibly get me the requested information pertaining to the fraudulent charge, which she clearly had no intention if doing. They have blatantly blocked me from vital information to my case, in particular, what was the ACTUAL AMOUNT of the fraudulent charge. They have been lying to me for almost three months now, that the person who victimized me somehow knew the exact amount in my account and only charged EXACTLY that. Well, that's impossible, and they refuse to answer the question law enforcement has asked me, WHAT WAS THE FRAUDULENT CHARGE AMOUNT? Not a good look.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are American Express ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and XXXX ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to close with XXXX XXXX XXXX XXXX. I have requested the us of   XXXX XXXX XXXX in XXXX Michigan to handle the loan policy being issued. The credit union is forcing me to use Transaction Title in XXXX XXXX. I do not wish to use them as it will cost me more money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Old information reappears or never goes away

Complaint:
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Bank of America Cash Rewards Visa card. Last month I redeemed {$14.00} to make a partial payment on my credit card balance of {$22.00}. When I received this months statement ( XX/XX/XXXX - XX/XX/2019 ) I noted that I was charged a late fee of {$14.00}, the exact amount of the cash awards redemption. I called the bank and was told by two people that I should have read the fine print, which explains ( I was told ) that no matter how much the redemption is, I must pay the minimum balance, ( which was {$25.00} ) or the balance in full if the balance is less than {$25.00}. 
I told the bank representative that if I make no charges the following month, I would have a credit balance. She said that they would refund the balance to me. When I asked how long before I received the credit balance, she told me that they have 90 days to refund the money. Personally, I think the bank is making their own rules regarding this matter. I have other bank cards and have never before run into this problem. What upset me the most, is that I have been a long time customer of the bank, never having a late fee charged previously and they refusing to show any courtesy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13
Company: Gold Star Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, around XXXX XXXX  central time, a creditor called a coworker at work to ask her if she wanted to renew an installment loan. She said no and then the creditor asked her if I worked there. By coincidence, this coworker and I both have accounts with this creditor. This coworker does not know me well and didnt not remember my full name and she said that the creditor asked if she can really a message to me. My coworker said no and regardless, the creditor told her to tell me to call them as soon as possible to make payment on a past due account. Coworker told me later on what happened on the call. I was disturbed that they are revealing my debt info to coworkers and supervisors. Its so stressing and theyre making me look bad in front of my coworkers and supervisors. I really hope the CFPB could look into this and these abusive debt collection practices these personal loan and payday loan companies do and the criminal interest rates they charge. I lose sleep at night due to these companies and their predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Northwood Asset Management Group
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Northwood Asset Management requested I pay the debt of {$1000.00}. I had bad cell reception so the call dropped and I had to call them back. The collector was confused and said if I call her office again she wall call the police. I apologized and explained the cell phone reception is bad. She then threatened to take my wages if I did not set up a payment plan. Since starting the payment plan in XXXX I have paid this account off and requested payment history summary. I was told this is only documentation proving the account has been paid I was allowed to have. I received the document stating I had made the payments to a collection account managed by XXXX XXXX XXXX. Now I still have a debt collection account for the same emergency visit on my credit report stating I owe this to XXXX XXXX XXXX. How can I owe for the same emergency visit to three different debt collection agencies? I have already paid this account in full by XX/XX/XXXX. I don't know who I paid this to, if this was a scam, or why someone is still asking me to pay again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I submitted a request for validation and dispute to XXXX XXXX XXXX a collection agency via certified US mail that XXXX didnt respond to. I also submitted a dispute to all 3 credit reporting agencies requesting the validity of the account on my credit report. XXXX   and XXXX immediately deleted the account as it could not be verified, yet Equifax continues to report this inaccurate information, stating that the account information was verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Choice Recovery, Inc.
State: NJ
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:
Choice Recovery Debt collector was paid off in full for a medical collection. They are still showing as derogatory on my credit report although it says they were paid off in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went to Wells Fargo Bank to wire my mortgage payment and gave the teller all the correct information, but the teller instead of sending my money to my mortgage company she deposited into a Well Fargo Bank account that has the same account number as my mortgage company. Went back to Wells Fargo and explained that my money wasn't received by my mortgage company and Well Fargo tells me that the money was deposited into one of there account and that there was no way to retrieve my money and that if I wanted it back i would have to sue Wells Fargo. It was {$2500.00} and they say that they can't get in touch with their account holder nor will they give me the information of the account holder per the privacy act. This is just another example of how corrupt of a bank that Wells Fargo is. I've been fighting this with them over a year to no avail. Please help. I found out that they can retrieve my money back but won't. I even spoke with a executive at Wells Fargo Executive office and they told me the same thing.

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 2019-02-20
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is showing a negitive charge off from XXXX XXXX for XXXX dollars. I have called XXXX more than three times asking to verify that this is not me and they say they have nothing ever in my name being sent to collection nor attached to my account. 

I contacted XXXX again today XX/XX/2019 and once again was told I have nothing showing for sent to collection or canceled in my name or social. they dont have anything to provide me other than my past full up to date and current billing hystory. 

I have submitted to disputes to Experian ( the only credit agency showing the debt ) and they have sent me back generic answers saying the debt is valid. 

Need to know what to do next. My next visit is with a lawyer. This mess has prevented me from buying a new vehicle and home this year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Ameritech Financial
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I signed up with Ameritech in XXXX of 2016, after receiving a letter in the mail. They told me for a fee they would enroll me in a payment plan based on my income for my federal loans. After ten years of being in the program they said all my federal loan debt would be forgiven and forgotten. I signed up for the program paying {$250.00} dollars for 6 months. After that it would be {$99.00} a month based on my income.

I remained in the program until a received a letter from the Federal Trade Commission saying Ameritech was lying and deceiving their customers. I called Ameritech to ask for a refund of my money. I was told by the person in customer service that the allegations against them were not true and they had already filed two lawsuits against the Federal Trade Commission. I told them I did not care and just wanted my money back. I was told at that time no refunds were going to be given back until after the court hearing.

I'm at a stand still right now with the whole process. I just want my money back so I can try to rebound in life and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a consumer protection and an Identity Theft report. ( See attached reports. ) I did not authorize these fraudulent accounts. I have also provided you with copies of my social, current and past address and license.

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 2023-02-22
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX... Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
Information on credit report inaccurate, please remove all inaccuracies. 

Inquires : XXXX XXXX on XX/XX/2022/ this does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sold my home on XX/XX/XXXX. My loan with Freedom Mortgage was paid off in full on November 5, 2019. I have not received my escrow refund of {$2100.00} yet, and it has been almost three months. I have tried resolving this issue with the company several times. 

I was initially told that my mail was being returned undeliverable. I contacted my local post office and was told that this was not true. I received mail every day to the same address Freedom Mortgage had on file without issue. Freedom Mortgage never provided me with any proof that a check was ever mailed out or returned undeliverable. 

I then provided Freedom Mortgage with a different address to send the check to and I was told that I would receive it within 7-10 business days. I have not received anything. I spoke with a supervisor again today ( XX/XX/XXXX ) and was told that it still had not been mailed out but it would be and they would try to put a tracking number on the package. 

Each time I call I receive a different answer as to when I should be receiving my refund. The customer service representatives have been extremely rude and unhelpful.

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 2020-07-13
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. There are addresses and names listed that I do not know or don't pertain to me. Additionally, there are companies that had pulled my credit in which I did not authorize. Please remove them from my credit profile.

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 2019-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital one has been calling all most every day to call them back. went on their chat line and talked to a rep he said call back when I had phone # he said my CC account was up to date and no problems. That was the only account I had. Next day went back on chat line they said I had 2 other accounts under my name with their collection/recoveries dept and told me to call XXXX. Called on XX/XX/18 nothing was opened I had 2 account closed with a bankruptcy. I gave her the number she said call the do not call registry and register which I did on XX/XX/18. Now this number XXXX XXXX has called every day and left a message for a long time. I thought they wanted to raise my current CC limit. plus my answering machine was not working for about 3 week so I just did not respond. But then they just kept calling so I went online

Company response to consumer: Closed with non-monetary relief