BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My business mailed a check to XXXX XXXX ( Check XXXX, mailed XX/XX/XXXX, cleared account XX/XX/XXXX ) but XXXX XXXX has no record of having received it. This was discovered by our bookkeeper. We contacted XXXX XXXX who investigated and determined no such check was received by them and closed the inquiry. We contacted our bank, XXXX XXXX Bank to assist and find out who negotiated this check. Our bank determined that check was negotiated at XXXX XXXX XXXX in XXXX XXXX On XX/XX/XXXX, a dispute for an altered misuse of check affidavit was submitted through my bank, XXXX XXXX Bank XXXX ( I have asked my bank for a copy of the dispute that as submitted but have not yet been provided with the copy but the attached email string confirms it was received and submitted to XXXX XXXX  XXXX ) .The check amount was {$9000.00} and is submitted herewith ( my bank does not provide me with the bank of the check ). 

XXXX XXXX Bank has told me that XXXX XXXX XXXXXXXX told them it would take 3-10 weeks to respond to the dispute. I have followed up weekly with my bank to get a status from XXXX XXXXXXXX XXXX. Each time, I am told that XXXX XXXX XXXXXXXX 's response is the same ( pending ) and that there is no live person in their operations department to talk with. I have asked my bank for copies of correspondence with XXXX XXXX XXXXXXXX and/or contact information at XXXX XXXX XXXXXXXX and each time told that this information can not be released to me. I have attached the email chain with my bank about 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 2021-05-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I sent out a letter certified mail on XX/XX/ 2021, to Experian asking that they remove the fraudulent accounts. In the letter, I submitted my identity theft report, 3 forms of identification, a notice of furnishers laws, and the credit report showing where Experian had reported inaccurate information. It has been over 30 days and I have not received a response yet. 




Here is a list of the fraudulent accounts that need to be removed : XXXX {$3400.00} XXXX XXXX {$1900.00} XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$750.00} XXXXXXX/XX/XXXXXXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXXXXXX {$950.00} 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 2021-11-18
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, and XX/XX/2019, I received a letter by mail stating I owed a debt and this was an attempt to collect this debt. The company is Account Resolution Services and I have asked them twice to Validate that this debt belongs to me and a Failure to Validate Letter. On the letter, I received it is stated I owe, {$950.00}. 


I will be sending a similar letter to the major credit bureaus as well. 
I have sent two letters to them and I have still not received a response from them and it will be a month from my dated letter, and I have not received a letter or response from either company. 

This is not fair as these companies are reporting these debts on my credit report, harming it without validating and proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The bank released 2 years of financial transaction and my account number to anparty not associated with my account. The bank then allowed a deposit from the same third party on a second incident again who is not associated with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was scheduled to close on my refinance through Amerisave Mortgage on XXXX XXXX, 2021. The closing agent never showed up. The loan officer was unable to find another closing agent but assured me he would eventually and that I would not lose my rate lock. Later in XXXX I learned that they did in fact lose my rate lock and the interest rate had increased. They offered to proceed with the loan at the higher rate or refund my {$500.00} application fee. I opted to terminate the loan with Amerisave because I could no longer trust their word and asked for a refund on XX/XX/XXXX. I was told it may take up to 2 weeks to process the refund. 
It has now been 6 weeks and no refund.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-14
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 status incorrect

Complaint:
XXXX XXXX, acct. no.XXXX  ...., though reporting correctly on XXXX  and XXXX  ( attached report ) has a minor error on Transunion that makes it a negative. 
I've only seen this on a 3rd party report, since Transunion online has technical problems and I can't get online.I 've called the number Transunion gave me and the technical people said it was fixed but it isn't. 
The problem on the XXXX acct is that even though it says 0 days late in the history, it says verbally '' pays 30-59 days '' .Please correct this error.

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 2021-04-08
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: Investigation took more than 30 days

Complaint:
I have been trying to clean up and credit and I am getting no help from the credit bureaus. I have sent in disputes back in XXXX and to this day I still have not heard anything. A simple letter is not that hard to get out and let know what going on with the disputes I file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I purchased XXXX XXXX XXXX XXXX XXXX from XXXX  and used my XXXX account to pay for those 2 creme for {$160.00} on XX/XX/XXXX. The XXXX  account was linked to my capital one credit card account. The credit card account was owned and used by me for more than 10 years. It generally provides very good services and I never had problem with it until this transaction. 
The creme I purchased was stored in my cabinet unused in original package for 1 year. The storage life of the creme is 3 years. I opened one of the creme in XX/XX/XXXX and found it has strong smell and the oil and texture of the creme is separating. This creme has dramatically different texture compared to the authentic XX/XX/XXXX and fragrance is different too. So, I reached out to ebay and was told that ebay protects customers within 45 days of receipt. I reached out to XXXX and was told XXXX protects customer for 6 months of receipt. XXXX said my credit card company can protect this kind of bogus buy. I reached out to Capital One and after many calls and rounds of proofing letters with capital one, capital one declined my claim because my transaction was a year old. I dont understand why a non authentic luxury skincare is not considered fraud. There are so many bogus sellers selling fake luxury skin cares on XXXX. And because of its storage life, many users cant discover the authenticity until they actually use it. Capital one should protect me and all other consumers from those bogus and maybe toxic skin care products as long as consumers can prove they are in valid storage life and has 98 % content left unused. Its fraud to me and should be protected no matter how long ago they were purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Huntington National Bank w ent after me when my ex wife filed bankruptcy. The {$50000.00} Home equity line of credit was awarded to my ex in our divorce decree dated in  XXXX ,  XXXX  in  XXXX , OH. After she filed for bankruptcy they sent certified mail to my parents address, to my Father who has  XXXX   XXXX   XXXX . I did not sign, or live there! Needless to say, he signed for the mail because he did n't know what he was doing. I did n't know that he had signed, or received these documents until after they already went to  XXXX   County Court an d decided to garnish my wages in  XXXX . I tried to contact the Attorney 's and  Huntington  Bank to straighten this out, but was told that they could n't help me. I have been getting garnished for a debt that was never mine to begin with, that should have been taken care of by my ex wife. Which was probably included in her bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: YKS Acceptance, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am having trouble with Herbies Auto Sales. We purchased a vehicle in 2014, to find out that it is not a purchase but a lease. They charged us for a 24month/XXXX warenty and the vehicle had XXXX miles on it. Their is a law suit against these people already for the time frame we received our vehicle. I need to know who to contact in this regards. They are also charging us almost double the amount that we were told.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
To give truck back first and they would n't accept it. Then I became  XXXX  so I was n't able to pay anything. Then my husband sign a paper for the insurance to pay they paid it all but {$340.00}. Those bills have been there ov er seven years it has reached statute of limitation for Georgia. I 've also heard about the double dip where they change numbers and go back or a letter for it to go another seven y ears. That 's not right to the consumer. And the fair debt collection practice Act.This has been open  XXXX   XXXX ,  2010 .

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 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, now a division of XXXX, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX. XXXX is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.

FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.

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 2017-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is against the  USAA  mortgage procedures and the people who work in the USAA mortgage refinance section. I have been a member since late  XXXX . I am presently retired and purchased my home through the   XXXX   XXXX   XXXX  . I never had a problem with the   XXXX   XXXX   XXXX  . My trouble started when I refinance the house with USAA a bank located in Texas. The latest to the series of unprofessional practices happen recently when I tried to refinance the house once again. To keep things short ; the  USAA  Mortgage section without informing me or calling me just simply change, on their own, the loan amount. It was raised by {$1700.00} and my closing fee increase by 400 %. I am sure they hope I would not notice it. The loan should have been lower since  five  days before I made another payment to the bank under the present loan reducing my principal, but they increase the loan amount. All of this without previous notice and on the same day the title company notified me that closing is next. No heads up and they did this a couple of days when we where suppose to close who do they think they are? Am I supposed to sign a contract that they keep changing to hours before we close? I should have known since I was unable to speak with the loan manager. She conveniently made herself unavailable routing me continuously to other several individuals who where clueless about my refinance. They were automats who did things according to their method-operandi without any regard, respect, understanding, listening to me. It was difficult the hold way. No one person , USAA contractor , had the authority to listen just the original loan  manager  had the power but was unavailable all of the time.   Anyone who feels they have to re-finance and you are pushing  XXXX , I STRONGLY suggest go somewhere else. This people feel that if you are old you can be taken advantage. Beware - USAA have change a lot and they rather have a pound of your flesh than to respect your needs.   They should not be allowed to operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX XXXX.is maliciously reporting to all three credit bureaus : Equifax, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with XXXX XXXX XXXX.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to XXXX XXXX XXXX.closing my account due to refinancing.XXXX XXXX XXXX in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that XXXX XXXX XXXX.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To XXXX XXXX XXXX.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to XXXX XXXX in XX/XX/XXXX, and a {$100.00} payment made to XXXX XXXX XXXX in XX/XX/XXXX.Both payments were made on account XXXX.I 'm asking that XXXX XXXX be held liable for accepting payment in the months of XX/XX/XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my Equifax credit report.XXXX XXXX XXXX.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Credit Control, LLC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter from XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Stating I owe XXXX XXXX They are providing no information. No specifics. I don't know who XXXX is. 
Letter date 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 2022-04-04
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had a second mortgage with XXXX  XXXX XXXX. I was in the process of refinancing the mortgage. XXXX XXXX XXXX sold the debt to XXXX XXXX then that company sold the debt to Specialized Loan Servicing. The company started putting notices on my door saying I owed them a debt. A person would come to my house, tape a letter to my door then take a picture. They would also have people say they were inspectors taking pictures of my home to foreclose. I mailed a certified letter to Specialized Loan Servicing on XX/XX/XXXX. They signed for the letter on XX/XX/XXXX. I have the receipt and a letter back from them. Their letter states that my case is under review. In my letter, I asked Specialized Loan to provide me with the documents for the loan with my signature and the information for the loan. I asked Specialized Loan to verify the debt. I asked for the name and address of the original creditor, the account number and the amount owed. I waited for them to provide me with the information I requested in my certified letter. On XX/XX/XXXX, I sent another certified letter to Specialized Loan Servicing. They signed for it on XX/XX/XXXX. I informed them that they have failed to follow state and federal timelines. I informed them that they must stop contacting me, remove anything from my credit report and stop taping letters to my door. I informed them that sending a bill is not proof of a debt. I asked them to provide the method that they used to verify this account and what method did they use to make certain that the account was accurate. I provided them with the Michigan Attorney General timelines via a website link. I never heard from them regarding my request. They only send out bills. I recently received a letter from them stating that I was in default and their intent to foreclose on my home. XXXX  XXXX XXXX was not my first mortgage. They were the second mortgage. Specialized Loan Servicing is requesting {$5100.00}. Their request isn't for the loan they feel I owe. They are requesting what they want in fees. They have stated that if I don't pay by XX/XX/XXXX, they will be foreclosing.

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 2018-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I visited chase on XX/XX/XXXX where I opened an checking as well as a saving account. gentlemen banker assisted me with a split counter deposit. all my receipts say deposit on the XX/XX/XXXX. Chase now claims that the deposit was done 2 days later on the XX/XX/XXXX. Chase also still hasn't explained to me how I had interest payments deposited into my account. and why I had Ann available balance of {$1000.00} XX/XX/XXXX and I was unauthorized to withdraw from my own account. I will post a scanned document that shows the interest deposit in my next complaint.

Company response to consumer: Closed with explanation