BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-10
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my second approach to resolving this matter with Carmax. I sent a debt verification letter and they only responded with the contract. Pursuant to 15 USC 1692g, I am to be supplied with 5 items. Carmax has failed to supply all 5 of these items. I have also informed Carmax of SEVERAL FDCPA violations. The items I sent them they have sent back with a stamp that says returned. Carmax mentions not accepting the documents as payment. I was not attempting to pay. I am demanding proper validation of this debt. None of the information that i asked for was completed. Everything was completely ignored. I am feeling like I am being bullied and taken advantage of. I am a federally protected consumer and Carmax consistently violates my consumer rights and ignores me when I envoke my rights. I have attached the documents that I have sent to them. I am the original creditor and this debt was paid for when I gave my " credit card '' number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I mistakenly submitted and extra {$1000.00} in paying off my loan. That check along with my payoff check of {$3100.00} ( a {$3.00} over payment ) cleared my account on XX/XX/2018. I phoned XXXX XXXX XXXX at XXXX and spoke with a woman named XXXX. She acknowledged the payments/payoff and notified me that my over payment would be sent out after 45 days. After telling her this was not acceptable I asked to speak with a supervisor. I was transferred to XXXX XXXX, she told me that I would be paid in 21 business days, again not reasonable! I offered to send her copies of my cancelled checks and allow them to verify that the checks had cleared, she declined. I feel that XXXX XXXX XXXX is committing an unfair and deceptive act or practice, they do not outline any of their policies regarding this in their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an account with Citibank in New York for the last 8 years. At the beginning of this year ( 2021 ) my login information no longer worked and the login page told me to call customer service. I have called to resolve the issue at 8 different times over two weeks. Every time I am told to call another number. So far I have been given : XXXX, XXXX, XXXX, XXXX. Every time I call and identify myself I am being told another department has to handle the issue. I am being put on hold that lasts for up to 30 minutes at which point the call disconnects. An online chatbot also tells me to call one of the above phone numbers. 
I can not get access to my account online or on the mobile app. I am not being told why there is a hold on the account. I am locked out of my funds and I can not make any transfers. Citi has stonewalled any attempt to talk to them or have this resolved, while they are holding on to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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: Account information incorrect

Complaint:
XXXX XXXX Balance : {$2600.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE 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 2021-10-31
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 it came to my attention I paid my prior mortgage company, in error instead of paying the mortgage company Dovenmuehle Mortgage XXXX : XXXX XXXX XXXX , XXXX . 
On XX/XX/2021 I spoke with company representatives XXXX and XXXX. I explained that on XX/XX/2021 I bill paid ( through the bank ) my mortgage payment, to them by mistake. I didnt know this had been done until I received my next months mortgage statement. I email a copy of the notice from the bank stating they had my money since XX/XX/2021. Both reps acknowledged receipt. XXXX XXXX said that on the XXXX a check for my payment was mailed back to me. 
I called again on XX/XX/2021 and spoke with supervisor XXXX ( older but compassionate, this will make sense in a bit ) she stated the check wasnt mailed until the XXXX. Now they not only have my money but supervisors are lying about actions. 
On XX/XX/2021 I spoke with another Supervisor XXXX ( younger and put on a much bigger show of concern and action, it was just a show no action was taken ) she put me on hold after I went through my situation for about the sixth timewhen she returned she stated I just needed to give my checking account number and routing number and they would ach my payment back to my checking account. Im like great lets do that ( this should have been done immediately or forwarded to the mortgage company they sold my loan to ) according to supervisor XXXX that is what should have happened. 
On XX/XX/2021 I spoke with supervisor XXXX she informed me that nothing can be done until 15 days after check sent out ( that would be XX/XX/2021 ). I asked to speak with her supervisor she said ok and a complete XXXX  named XXXX ( XXXX ) came on and validated supervisor XXXX information. When I asked what my other recourse may be he said there was nothing I could do but wait, I asked for his supervisor he state I have gone as far as I can go and he would not pass me on any further because nothing could be done until the XXXX. 
First problem is accepting money you know you dont have a loan for any longer ( they knew that since the XXXX per all supervisors I spoke with ). Yes, this was my error in the beginning but this company has made it a nightmare. Second is sending money back through the mail. I informed them that there is mail theft almost daily where I live. I asked that they put a stop payment on the check and transfer it electronically ( safer and faster ). If they actually sent it out on the XXXX it is still not here, I worry thieves may have gotten it already. The mail is slow but not that slow! I am terrified if I dont get the check how I will make up that money to meet my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CFPB in my most recent dispute on XXXX to Equifax they responded that they needed additional information to identify me. CFPB this is my four dispute on this inaccurate late notice to Equifax they have know my identity. This is the fourth violation by Equifax after they requested proof of my payment and I have provided factual proof and documentations showing that my XX/XX/XXXX payment was received and made on time for XXXX XXXX four times now. 


CFPB under your supervision please have Equifax uphold the law again this is the fourth violation on this dispute. As I explained in my last dispute Equifax shouldnt be able to violate the law by continuously telling my that my letter look like a credit repair company or that I need to verify my identity. They have responded to my dispute before and a just continue to violate the law by not removing this inaccurate late notice. This is not right or fair they Equifax continue to violate my rights under the fair credit reporting act. CFPB please hold Equifax account for the four violation of my dispute. 

CFPB I have provided again supporting documentation of confirmation email I received from XXXX XXXX Card clearly showing that my payment was received and made on time for the month of XX/XX/XXXX. I have also provided a copy of my Massachusetts state drivers license alone with a copy of my XXXX XXXX form as requested by Equifax for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell XXXX behind in XXXX XXXXdue to family emergency and loss wages then applied for a midigation which took XXXX for a determination at which they wouldn't take payment during this time.in XXXX they set a repayment plan for XXXX at {$1800.00} a month I was affected by XXXX in XXXX and couldn't pay the {$1800.00} XXXX XXXX and was denied a directed to get on tge forbarance program which is still in affect.However I got word thru a freind that my home was up for auction and when I contact the Mortgage company US Bank home mortgage in XXXX I learned there's a extra {$19000.00} on my loan that has no clear understandable explanation which has brought my principal balance up to $ XXXXI need help resolving this matter and saving my home that I've owned XXXX and don't wan na loose.I currently owe {$6000.00} but is afraid paying it won't save my home due to the extra {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: ALLY FINANCIAL 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:
On XX/XX/2020, XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
At XXXX XXXX received a bill from Barclay Master Card with an annual fees in amount of $ XXXX paid same day from my XXXX checking Account .XXXX  Payment was received by Barkley at XX/XX/XXXX.At XXXX Barclays file it as unpaid with the Credit Bureaus.My credit score drop from over 830 to under 690, over 100 points. 
The XXXX XXXX XX/XX/XXXX statement with the full information an a payment made by me and received by Barclay Master Card, All bank payment ID numbers on a XXXX XXXX blank was sent 3 times to the Barclay Master Card Office. Starting Claim at XX/XX/2020 was # XX/XX/XXXX.Month later another claim was started also, # XX/XX/XXXX..No results on any of them.Proof of payment supplied multiple times-no result. By the Barclay request I visit the XXXX twice, Get a Bank statements and letters with the full Info proving the payment was made and received by Barclay.It was emailed also.No Results again.3 Month pass by- issue is not resolved. 
Today XXXX XXXX I received an Email from the Barclays-the Card want to me paid with the late fees in amount of {$29.00}. 
Whole this issue is looks like an a blackmail attempt. 
Each time when I am trying to contact Barclay Master Card office its take at list half an hour to get to the operator ... ..and still, issue is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: WELLS FARGO & COMPANY
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:
On XXXX I, XXXX XXXX XXXX , contacted Wells Fargo Auto in writing through Certified Mail with out a return receipt, however I have not received the return receipt even though I have proof they received it on XX/XX/21 at XXXX. I sent my Cease and Desist Letter, Affidavit of Truth, Invoice and exhibits that are attached. I am contacting the CFPB due to them being in violation of 15 USC 1692c and 1681a ( b ). They reported my credit transactions, private information violating my privacy and have scored me making it detrimental to my life and caused defamation of character. I am seeking remedy under 15 USC 1692k. Also after them receiving my Cease and Desist letter, I was called contacted on XX/XX/21 at XXXX which is a violation of the FDCPA and the TCPA and 15 USC 1692c, and pursuant to 15 USC 1605 they are also in violation. I'm requesting an additional XXXX IN A CHECK for these violations that occurred afterwards. I have attached documents as proof. I Would Like your help in getting these matter addressed quickly. Please and 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 2019-06-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NC
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 had an old account with XXXX XXXX XXXX that was closed in XXXX of 2015. Despite the fact that this account XXXX XXXX XXXX has been closed for 6 years now, XXXX continues to report this account as an ACTIVE account that is 120 days past due. An account that has been closed for 6 years can not still be active and actively delinquent. I've made several requests for XXXX to correct their reporting error, but no action is ever taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent 2 letters to TransUnion & XXXX  asking for proof of debt from XXXX XXXX XXXX XXXX. I keep getting the same candid response that the debt was placed following FCRA guides. I requested the original documents to verify that this is my debt. Also, the 45 days that the credit bureau had to respond exceeded the time.

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 2021-10-08
Company: Navient Solutions, LLC.
State: NV
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX thought I was giving the person some money and the later found out it was a scam. I told Bank of America about and they said that cant do a thing about it. 
It started back at XX/XX/2021 and I last contacted the 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 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America froze my account and is stating that I owe them 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 2021-02-10
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to pay someone {$900.00} with my paypal account, but I had the wrong bank account linked to paypal. The funds in the account were not sufficient. 

Instead of declining the transfer, paypal paid the recipient, I was charged an overdraft fee and then paypal created a debt of {$900.00} on my account. 

My account was moved into the collections process. They attempted a debit again and I was charged another overdraft fee. I contacted paypal because it was not clear they actually paid my recipient. After confirming that was the case, I moved money into my linked account and started the transaction to pay paypal. 

While this transaction was pending, paypal continued to debit my account for {$900.00} ( in addition to my pending transaction ). This new sum was not in my account as the {$900.00} I initiated a transfer for was already removed but has not yet settled at paypal. Because of this, I have continued to accrue overdraft fees. Why would paypal run automated debits on an account that has a pending transaction? 

Also, I followed the instructions on both the paypal site and the instructions provided by customer service. They told me to add funds via the paypal UI. If this was the case, they should have suspended the automated debit process because I am being double debited while my transaction is pending. 

I would like to be refunded my overdraft fees because of these aggressive collection practices. They should not be debiting account that have pending transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello : I want to submit a complain against Transunion, because they don`t care about those 3 inquiries that they put on my account without my concent. They got off their sistems and put this information in my credit report. The Seccion 610 of fair credit reporting act states that anything deleted from your credit report and is reincerted need to get a 5 day notification after this item is reinserted. Also I had contact the companies, sent them a c. Letter and never get answered.I call the boreou and they told me that they will not do nothing without the letters, they don`t care at all. I don1t gave any account with them and I don`t have any debit with them. 


XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please, I need your help to get it out of my transunion report, because it is a fraudulent act against 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