BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Without any notification, requested documentation, explanation or warning my account access was restricted, then this account was closed. Only after it was closed did I receive a letter from USAA stating it would be closed in violation of the consumer protection laws and Regulation Z. After inquiring the reason for this action, I was told they did n't know. The letter stated improper use, to which I requested clarification on as I have not done a single thing with this account from the date of opening. I 've received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX from XXXX XXXX account opened XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Telerecovery is reporting an unknown medical account ( s ) ( XXXX ) ( amount {$580.00} ) reporting on my credit report ( s ). I mailed Telerecovery a tracked letter via the United States Postal Services on XX/XX/2018, requesting validation of the debt/account ( s ) Telerecovery is reporting on my credit report ( s ). More than thirty days have passed since I mailed Telerecovery the letter requesting debt validation for the account ( s ) their company is reporting on my credit report ( s ) ; Telerecovery has not responded to my letter requesting debt validation. When Telerecovery did not respond, I contacted the original creditor ( s ) listed on my credit report ( s ) for whom Telerecovery claimed to be collecting the account ( s ) /debt on the behalf of. The original creditor ( s ) stated I did not have any outstanding debt/account ( s ) and that my medical insurance had paid the account ( s ). Moreover, Telerecovery placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Telerecovery never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ).

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 2019-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
... ... select portfolio refuses to do a loan modification with me. i have a XXXX child and want to stay in my house. i am a XXXX year old widowed mother. i called them and told them this. this is what they do. they offer me a one year balloon payment and offer me double my regular mortgage payments. What is this company? Bookies? how in XXXX ' name can i do this? they refuse to extend my mortgage to 40 years. because their investors dont want to when every other bank out there will do that. i submit loan mods for a living. 

i am heartbroken and suffered from the crisis of XX/XX/XXXX in the financial industry. and have a child who was XXXX to XXXX and i had no health insurance and had to pay out of pocket to help her. i have a good job now and want to pay and live in my home. they just want to kick me to the street and i will have to live in my car.

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 2022-09-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was an account opened up around XX/XX/2021 that is on my credit report that isn't mine. I've provided documents to the bank and the credit reporting agencies and they're still reporting the account valid. I even went as far as going to the bank and providing my documents and still no luck. They showed me the account and the only thing that was correct was my name and birthday. The address, email, phone number, and social was incorrect. Its clear that this is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Re : XXXX Reference complaint had to do with truest selling my information to a third party. I received another solicitation. This one has the Truist logo, being used by XXXX of XXXX, and the papers tell me they can deduct a monthly premium from my bank account, and it appears the third party XXXX of XXXX already has my bank account information. See attached photo.

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 2017-04-08
Company: FIRSTBANK
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On  XXXX   XXXX ,  2017 an em ploye e of First B ank sent an email to  my Home Owner 's Association 's board of director 's   email distribution list. He attached an unprotected .pdf file of paper work I had filed as part of the loan application including bank statements,  XXXX  and pay stubs. My full name, address, social security number, bank account numbers, user name and email address were published. This is a clear violation o f Public Disclosure of Private Facts   tort. First B ank 's response has been paltry. I had to find out on my own that I could register for 90 days of fraud protection from the  XXXX  credit bureaus. I have been offered one year of identity theft protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: CITIBANK, N.A.
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:
On XX/XX/2022. My checking account was hacked of the amount of {$400.00}. I received an email and text messaging letting me know that I had a XXXX transaction to some guy I have never heard of. I contacted the bank and they put in a claim. They closed the claim and said I did the transaction. I disputed the claim again and this time I reported them to the XXXX and to the Ethics committee of their bank. Their XXXX XXXX XXXX XXXX XXXX XXXX has found that my Citibank account was frauded and hacked. He sent over his investigation stating that my bank account was hacked and my money should be returned. Citibank refuses to return my money.

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 2017-04-04
Company: LoanHero, Inc
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
A company that referred to themselves as   XXXX   XXXX   XXXX   illegally created an   XXXX    account in my name and illegally opened a loan through a separate company LoanHero in my name without my consent.  
 When I attempted to log into my  XXXX  account I had trouble so I contacted FSA by phone. I was informed by  XXXX  that an  XXXX  account was created in my nam e in   XXXX  2017 .  I never created this account. When I told  XXXX  I did not create an account they asked me if I was involved with a scam related to student loans.  XXXX  also informed me it is illegal for someone to create an  XXXX  account under another person 's name. I was advised to stop all contact and transactions being made with  XXXX  's company.  
 When looking at my credit and all my loans and found I have a new loan opened with LoanHero. I was not aware a loan was made in my name through LoanHero. I contacted the Department of Education and  Student Loan su pport regarding the creation of an   XXXX    account in my name without my knowledge and the creation of a new loan. I was informed again that this is illegal. Also I was informed many fraud companies place the name of real companies on their documents and paperwork to scam people.  XXXX  told me he is associated with  XXXX . I contacted  XXXX  and was told that scamming companies use their name frequently and if an   XXXX   account was created in my name without my knowledge then it was illegal.  
 I canceled my the consolidation and when I went to cancel the miscellaneous loan through theses companies they refused. They also stated " it would n't affect my credit '' which was an additional red flag. I contacted the Department of Education again today and they stated they have had other student run into scams  with Loan Hero and again confirmed all of the statements mentioned previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23
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 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:
My FICO score dropped drastically for no apparent reason. My FICO scores changed as follows : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 102 points ), XX/XX/XXXX = XXXX. <P/>These FICO scores were obtained free-of-charge through my XXXX account. After some investigation, I found that the FICO score is based on the TransUnion credit score. I checked the TransUnion score on XXXX XXXX and, sure enough, it dropped during the same time period. XXXX XXXX reported the following for my TransUnion scores : XX/XX/XXXX = XXXX, XX/XX/XXXX = XXXX ( drop of 61 points ), XX/XX/XXXX = XXXX. <P/>I ordered a copy of my TransUnion credit report and can find no reason for the sudden drop in XX/XX/XXXX. I called TranUnion for an explanation but the person that I spoke to ( XXXX ) simply repeated that I would have to go back to the company that reported the negative information. I stated that there IS NO negative information based on your own report. She repeated the same answer several times as we went back and forth with this. I finally asked to speak to a supervisor. After being on hold for approximately five minutes, she came back on the line only to say that all the supervisors are in a meeting and she ould have one call me back. She confirmed my contact information and we ended the call. I have not yet received a call back from a TransUnion supervisor. <P/>I want to know why TransUnion dropped my score so drastically ( subsequently affecting my FICO score ) when there is no derogatory information on my credit report. I worked very hard to get my score where it was and I 'm looking for an explanation. If it is based on some credit behavior of mine, it is most definitely not apparent what that behavior was since there has been NO derogatory behavior on my report in the last five years! <P/>I will provide my full TransUnion credit report ( dated XX/XX/XXXX ) upon request ; I 'm not comfortable submitting it through the web portal.

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 2017-06-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells fargo is not reporting deposits in a timely manor.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to XXXX, transunion, and XXXX via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,

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 2018-06-12
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a dispute about my balance XX/XX/XXXX for American Express. On XX/XX/XXXX, I received a letter from American Express stating that " We are unable to locate the American Express account since it has been purged from our records, we have requested that the reporting agencies delete all info pertaining to the account from credit report. '' I waited a few months, each month American Express would continue to report derogorities on my credit report, thus lowering my score. Finally I disputed with the credit bureaus on XX/XX/XXXX with the letter from American Express as evidence. As on XX/XX/XXXX, nothing has changed, American Express is still on my report and reporting negatively each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting acat XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a late 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 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XXXX and XX/XX/2022 and 60 days late in XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NY
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:
Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to XXXXXXXX, XXXX, and equifax via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
( On the Coinbase exchange ) I withdraw {$7100.00} on  XXXX / XXXX /   17  and got email saying I would receive funds to my bank account on  XXXX / XXXX / 17  I never received anything I have email coinbase support dozen times with no response ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-09-06
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AmeriCollect
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. Ive never done business with them and This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation