BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: WI
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 this information as inaccurate account status on 4 separate occasions directly with the XXXX and Equifax credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is another manifestation of XXXX, XXXX, XXXX. 

I deposited a cheque on Friday XX/XX/XXXX for {$3500.00} My account was overdrawn by bank oaf America by $ XXXX. 

On Saturday cheque was realized and account had positive balance of {$3000.00}. 

On Friday afternoon, I got a call from Bank of America saying they are closing my account and they tried calling a number XXXX XXXX XXXX and there was no response. 
Me and my wife visited Bank of America branch on XXXX XXXX and established our identity as well as they validated us by sending a text message to my primary mobile number XXXX XXXX XXXX. 

They said they will not disclose the reason they are closing the account as it was their business decision. Their business must not effect my personal finances. 

I initiated a transfer of {$3000.00}, leaving {$540.00} in my account to cover what they over drew ( i.e $ XXXX XXXX. 

They initiated the transfer at XXXX XXXX today morning as scheduled and they put a hold on the deposit I had in my account. 

This resulted in a overdrawn account of XXXX. 

They should have cancelled the transfer when they put the hold on deposit. 

Processing Transaction layer DEBIT/HOLD ON XX/XX/XXXX VIA WEB activity type debit status type icon pending Processing. Select to mark activity type debit XXXX DEBIT/HOLD ON XX/XX/XXXX VIA WEB as Reconciled XXXX XXXX Hold Transaction layer PENDING DEBIT/HOLD ON XX/XX/XXXX activity type debit status type icon hold XXXX XXXX XX/XX/XXXX Show additional information for activity type deposit XXXX BKOFAMERICA MOBILE XX/XX/XXXX XXXX DEPOSIT *MOBILE CA activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX BKOFAMERICA MOBILE XX/XX/XXXX XXXX DEPOSIT *MOBILE CA as Reconciled XXXX XXXX Details of hold : -- -- - Forwarded Message -- -- - From : Bank of America Alert XXXX To : " XXXX '' XXXX Sent : Monday, XX/XX/XXXX, XXXX XXXX PDT Subject : We placed a hold on your recent deposit Bank of America. 
We placed a hold on a check you deposited by Mobile Check Deposit. The full amount isn't available yet. 
PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Total deposit : {$3500.00} Total amount on hold : {$3500.00} Date of deposit : XX/XX/XXXX Hold Details Amount on hold : {$3500.00} Hold reason : A hold was placed on your check ( s ) because check specific information indicates item may be returned. 
Date Available : XX/XX/XXXX by XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-07
Company: Mr. Cooper Group 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:
As per several conversations directly and following the investigation on the errors in my credit reporting here is the documentation of proof that the mortgage payments where made on time and paid from my account. The payments where deducted and cleared on time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX only XXXX was noted correct. 
Mr Copper has posted incorrect information, in addition reporting wrong at the Credit Bureaus. 
In addition we are in state of emergency already in California due to the Pandemic here are the orders from our Governor not to report negative information. This was signed since XX/XX/XXXX. 

https : //dfpi.ca.gov/2020/03/25/covid19/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: WI
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 this information as inaccurate account status on 4 separate occasions directly with the Experian and XXXX credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

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 non-monetary relief
Consumer complaint received 2018-01-31
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied with an agent from American Express for a Gold card that promised XXXX rewards points if {$2000.00} is spent within 3 months of card activation. Now that I have card, I called American Express and was told since I had a gold card in the past, I was Not able to get the rewards incentive ever again. This WAS NOT told to me by the agent as I applied. It was originally offered through XXXX during checkout, and XXXX also backed off on their promise of a free year of Premier membership. I received the card in mid XX/XX/2016. AMEX promised to look into it, but it has been many weeks. If they do decide to honor their offer, I have only a few weeks to spend the {$800.00} needed to qualify for the " potential '' rewards. I am not using that card because I have better rewards using my XXXX cards : ) Can you contact AMEX on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: ADP Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I started working at XXXX department store located at XXXX XXXX XXXX XXXX, IL XXXX operated by XXXX XXXX. I started work with them XX/XX/2021 and because I was only XXXX I opted to use the Wisely ADP payroll card. They initially sent the prepaid card to the wrong address. After multiple calls from the XXXX XXXX, XXXX HR and also me we were able to update and fix the address. At this point 4 weeks of paychecks had been deposited into my account and I was owed {$470.00}. Every single card they would send to me, once activated was showing {$0.00} and it seemed not to be connected to the XXXX account. My mother spoke with the customer service numerous times and they would repeat the same verbiage and we could never get any help. Also, the Store Manager of the XXXX store along with HR for XXXX have tried multiple times to get this resolved. It has now been a year and I have yet to receive my funds and when I've contacted XXXX they just put it on Wisely ADP. The store managers name is XXXX XXXX. I would like to be made right for this money owed as I did work the hours. XXXX can confirm that I worked all hours and I am still owed {$470.00}. Please help me resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Date : XX/XX/2020 Amount : {$70.00} I was scammed out of {$70.00} via XXXX using my citibank account. I was promised goods that were not delivered. When I tried to complain with my bank they told me there was nothing I could do because according to them " I authorized the services '', I realized I had been scammed 5 mins into the transaction and immediately tried to contact them in hopes of being able to cancel the transaction but they had an extremely long wait time and no option of being able to cancel the transaction. They have all the details, persons name, phone number and bank account but still failed to investigate further, I been a long time customer and feel that they shouldnt be offering XXXX if there is no type of protection for their consumers.

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 2018-05-01
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continue to stonewall and not answer my request for validation which is a violation of law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
They tried to compromise and stole my information and account without my consent.

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 2021-02-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, my account has been suddenly closed by Paypal, they requested from me to provide them some documents, which i upload instantly. ( my id card, proof of adress, explanation of my transactions ) I have won quite good amount from betting, they can see clear that where the money come from into my Paypal account and after i have use the option to send to some of my friends. They have an option send to a friend or business purpose sending. I have aways choose sending to a friend, because i have never used my Paypal to sell or buy anything, I just use it as a deposit method to enter money into the betting site XXXX. ( Very famous and regulated one ) I have all the proofs from the transactions as well. 
So after i provide them all documents which they require, they have sent me email that close my account permanently and that they will hold my funds up to 180 days, which is very long period and i really need this money in that period of time. I got an answer from them which is totally weird, they say that they have to check if some of the buyers has made any complains against me, but there are not buyers and sellers in this story as i mention above. I have not selll or buy anything. Just betting and send friends. 
My account is linked to email : XXXX Thanks you for your help Best Regards XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: CREDICO. INC
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
was making payments on a monthly basis. I included the last 3 months, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. If you see the dates the checks were written, and deposit data, some months when we wrote a check, the previous check hadn't even cleared our bank account yet. Turns it over to collection in XX/XX/XXXX. I may have made the bare minimum that we could afford, why except payments at all? There is absolutely no reason he turned it into collection. I was, and am violated, humiliated and harassed by his actions. See all the documents enclosed, check issued dates, deposit dates. Example, check # XXXX was issued XX/XX/XXXX and deposited XX/XX/XXXX. This happened numerous times in the year XX/XX/XXXX alone. Again, the humiliation was, and is very stressful, along with the harrassment I am now receiving from the collection agency. I was literally violated and embarrassed. I was making payments on a monthly basis and all of a sudden turns it over to the aggressive collection agency. See documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, XXXX, XXXX and Equifax or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has clearly stipulated. 

XXXX, Equifax and XXXX have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX ( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE :  XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION SYNCB RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that XXXX, Equifax and XXXX   went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof XXXX, XXXX and Equifax do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with XXXX who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
MY IDENTITY WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME.

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 2021-07-12
Company: EQUIFAX, INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
EQUIFAX : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. 29+ accounts including bank accounts.EQUIFAX these inquiries ARE NOT MINE. Im fixing not ruining. XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you XXXX XXXX XXXX XXXX opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, Wards, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN FILE?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Hexagon Collection Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
hexagon collections in XXXX  CA called me and demanded that I reissue checks made to my former dentist into his name, I have been sending in checks for the last 3 months to XXXX XXXX XXXX  and this was the call that I got today where this gentleman called me a XXXX XXXX and told me this would destroy my credit I have been making payments to this dentist and because he hands the checks over to this guy he calls me an XXXX, that is out of line and also to tell me that this will destroy my credit

Company response to consumer: Untimely response
Consumer complaint received 2021-10-22
Company: Mountain Run Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I temporarily relocated to a new area, but I rented my house to a tenant. I did not see a need for continuing services for a home alarm since the new tenant did not have any interest in having nor paying for it. I called the center ( XXXX ) and indicated so. I was forwarded documents to signed, and the gentleman I spoke to indicated he would send me additional documents to look at and sign them if decided to continue services at a lower premium; said documents were never received by me. I'm truly baffled to find out there is an existing debt or account when no one attempted to get in touch with me nor even visited my house in order to reconnect/connect the services said company claims I own them money for. In the meantime said company is hurting my credit for a meager amount, which I will not pay based on principle. Please advise what are my options, I'm willing to pay even more to an attorney, but not XXXX because its claim is both invalid and without substance. In conclusion, I believe this is a frivolous claim by MOUNTAIN RUN SOLUTIONS on behalf of XXXX, a ridiculous attempt to survive in this new era where alarm systems are being replace by other available means.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation