BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: Apple Law Group, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, CEO of Apple Law Group, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Tel XXXX together with his employees has advised me several years back that upon payment to his company as a debt consolidation, my creditors will be paid back and settled. The program included direct withdrawals from my bank every month and on XX/XX/XXXX the program was paid in full to his company. To-date, my creditors were not paid by Apple Law Group Inc. I called XXXX 's office numerous times. His representatives have disconnected their phone numbers provided earlier at sign up. I was once told by phone that after XX/XX/XXXX it takes six months to settle and pay the creditors. It is XX/XX/XXXX and nobody at Apple Law Group Inc has paid my creditors or responded to me in writing or by email or verbally of the contractual obligation agreed and notarized in New York. This is a theft of money and non-performance of his company 's operation as agreed in writing. I demand an immediate settlement to my creditors by Apple Law Group Inc plus refund of all interest money collected by Apple Law Group Inc. The operation of Apple Law Group Inc is a scam and totally unreliable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: PA
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 disputed a collection account with company XXXX XXXX. The account was investigated and found to have violated the FCRA. The account was removed from XXXX  and XXXX  however Experian continues to report this collection account. The account isn't even marked as " disputed ''. This is a direct violation of the FCRA.

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 2017-09-21
Company: CITIBANK, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my father left me life estate in XXXX texas. my father XXXX XXXX onXX/XX/XXXX I keep paying the notes on time to citimortgageinc loan number XXXX in my father name XXXX XXXX onXX/XX/XXXX I revived a letter from citimortgage inc that said they no longer can except payment and that they close my father account due to him being XXXX  and they going default forclouser and they ask for full payment of XXXX dollars. they hired attorney and he file probate of beneficiary in XXXX county texas court in XXXX texas I called the court ask them why they did probate of my dad estate when I was name in court before my dad XXXX XXXX.the court did transfer the deed in my name upon XXXX of my father.the mortgage company told me I could n't get remodifaction loan or make payments they told me they was going sue me over my mortgage loan and forclouser they told me this onXX/XX/XXXX the the mortgage company give my dad bad loan they commiteethe acts of threaten me with lawsuits and closing his account due to XXXX and not letting me make my payments.I want them fine again and there banks shut done from doing mortgage loans.they are doing mortgage fraud practices.

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 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I received an email from Bank of America ( XXXX ) saying that I had opened a Savings account and Online banking account using my email address. I did not open these accounts with Bank of America. When I go onto their website and put " Forgot password '' and enter my social security number with the last digits on those accounts it says that there are active accounts that were set up with my social security number using a telephone number that does not belong to me. I have been unable to get into contact with Bank of America using their XXXX numbers as I do not have access to the full account numbers, just the last XXXX digits that were in the emails that were sent to my email address. I suspect fraud has occurred using my social security number and email address to set up these accounts with Bank of America.

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 2023-01-30
Company: Experian Information Solutions 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'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2020-12-02
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My loan was sold to Freedom Mortgage a few months ago. I was in the process of refinancing with a dedicated loan officer. During the process, I kept receiving automated calls and direct calls from other loan officers in the same company trying to lower my rate. I ended up cancelling the transaction because I got tired of them calling me. They told me the calls would stop but they continue. Most recently, I escalated to a manager. She started arguing with me on why I should refinance when I simply just wanted them to stop calling 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 2023-01-30
Company: JPMORGAN CHASE & CO.
State: GA
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 sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2018-10-03
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from The Receivable Management Services LLC ( debt collection agency ) dated XX/XX/XXXX that I owe a debt of {$34000.00} to my former employer. I dispute the validity of this debt. 

It has been over two years since I left my previous employer and the letter indicates that debt is from XX/XX/XXXX. The letter did not include any signed documentation or a contract signed by me that I owe this debt. I dispute the validity of this debt.

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 2020-10-17
Company: Square Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
on Tuesday XX/XX/2020 i had made a dealto sell my XXXX XXXX wit someone on offerup an they agreed to buying the phone which that same day i shipped the phone and i had given him the tracking number to complete the payment on cash app so the funds would be directly put into my account which didnt happen then i emailed cash app an they told me to change my settings an change it to business as i did then they said my money would be on my account by XXXX yesterday and today an previous before i had to refund XXXX then the money would be in my account then i got a email today talking about XXXX charges then doubled the amount of money to do the same thing wit the XXXX plus saying i owed some more money to cash app which i dont i jus want the money that i was supposed to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: IN
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 dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously and recently filed a complaint about this collections agency, but this new complaint is because after contacting the credit bureau about this account, the representative states that the collections agency reports a debt of {$820.00}, whereas on the credit report that I received, the collections agency reports the debt to be {$830.00}. The representative also stated that the original creditor is XXXX XXXX, while on my copy of the report the original credit is listed as XXXX XXXX XXXX. With the discrepancies of these two different sets of information, my point of identity theft is further proven, as neither I have ever been to XXXX XXXX nor XXXX XXXX XXXX. Additionally, having two different entries ( for both the original creditor and amount of debt ) reported by this collections agency shows there is misinformation, as well as negligence.

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 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX store ran my credit in an error, credit request is in my report and I would like XXXX to remove this errors. E-mail below from XXXX states that the credit was ran in error but XXXX did not resolve 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 2017-12-12
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please refer to my previous CFPB cases : XXXX and XXXX I want to find out from US Bank that : 1 )  whether i received the {$200.00} cash bonus or not? 
2 ) I have n't received any paper statement. Rather than asking me to reach out to usps ( which i will ) - why not they investigate why the statements or notifications were send to me in time. 
3 ) I never had access to my online account. 
4 ) Apart from these fees - have US Bank also taken any other money from 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 2023-02-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a phone call from a courier service ( phone number XXXX ) who left a message that they are trying to serve me with papers for a judgment against me. In the message, they said if I wanted to find out more about this to call XXXX. I called that number and the person who answered said she was with XXXX and XXXX lawyers. She proceeded to tell me that I owed over XXXX to a company called CareCredit and that I owed it since 2012. Theyve been attempting to find me and serve me paper and I should have gotten papers in the mail telling me all about this. She was extremely rude and wanted me to verify all my information. I told her I wasnt comfortable doing that, but she wouldnt tell me anything until I verified at least my birthdate, which I did. I didnt verify my social or address with her although she told me the last XXXX of my social and my address. I did not refer either with her. Obviously I was upset. I called CareCredit ( XXXX Synchrony Bank ) to make sure this was a scam. A representative from CareCredit could not even find me in their system. They sent me to their bank recovery department and they couldnt find anything either. Their exact words were the account is satisfied and closed. So this is definitely a scam. 

Im worried because I verified my birthdate with her. Im also a XXXX XXXX survivor and my address is supposed to be protected, yet they knew I had moved almost a year ago. What, if anything, can I do so this doesnt happen again? 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 2020-10-17
Company: CITIBANK, N.A.
State: UT
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:
Purchased a group of items through XXXX, paid XXXX ( XXXX on XXXX cash balance and XXXX on citi credit card ) - never received items. XXXX suggested to file a claim through citi ( wrongly, but I did it ). Citi claiming merchant " sent '' item - very frustrated. {$2600.00} locked up in disputes. Followed dispute process through citi and citi not looking out for their cardholders.

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 2023-06-22
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have some inquiries in my credit report that i didnt authorize I dont even know this companies.

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 2023-01-30
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX the months of XXXX XXXX XXXX XXXX XXXX  late payments reported improperly and incorrectly. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
About two months ago a XXXX card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Sent a letter in XX/XX/2018 with request to close and account in Citizens Bank ( XXXX XXXX XXXX XXXX, MA XXXX ). Sent the same request by FAX since I did not hear anything from the bank. 
Received a letter ( dated XX/XX/2018 ) from the bank at XX/XX/2018, stating that the account was overdrawn by {$4.00}. 
How, is this possible if the account was was closed in XX/XX/2018. 
Next I receive a second letter ( dated XX/XX/2018 ) from the bank at XX/XX/2018, stating that the account was overdrawn by {$17.00}. 
Citizens bank says that I can deposit the amount in any branch or ATM machine. That is impossible because I live in XXXX, XXXX ( XXXX ) and  there are NO Citizens braches or ATM machines here. 
The big problem is that the bank is sending letter which use more than 1 month to arrive and someone keeps withdrawing funds from an account that should be closed. 
Obviously there is something wrong in the Citizens bank system. 
Please help before this get out of hand. 

Best regard XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Nationwide Title Clearing, Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This letter is part of investigation of fraud involve my mortgage, I have attached this inquiry a copy of the assignment in question. please provide me this information I listed below. 1. the balances of notes that transferred or sold. 2. who is the lender for each note. How many notes in this assignment. 3. what role you played creating this Assignment. My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX please be inform your answer will be use in court. This letter is part of elimination process to find out who involved in mortgage a fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was suspended without notice or cause even when funds are available. I have alerts from Huntington Bank, no alert or reason was given why card was suspended. I called and the reasons given were false. I was told that some companies keep trying to charge account, I get prebilling texts from all my accounts received none from the companies they said were trying to bill me, also were billed for bills earlier in month. Non alerts or emails were sent to me which I have through Huntington services. This is a continuation of stealing monies from my account from people inside Huntington and instead of solving problems Huntington keeps covering it up. False accountability keeps happening and CFPB no longer stops this fraud from happening.

Company response to consumer: Closed with explanation