BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Three days prior to closing on a real estate purchase, I received an email from whom appeared to be my closing coordinator informing me that there had been a change to the closing instruction. In the email, the scammer advised me to send the closing money to a bank account at XXXX. After verifying a few details over the email, I did wire the money from my own account at Bank of America. A couple of hours later and I realized this had been a mistake. I immediately contacted Bank of America and issued a recall request. I then contacted local police and filed a police report. I also called XXXX fraud hotline and reported this scam. The representative at XXXX suggested me to stop by a local XXXX branch office. I did and worked with a branch manager who immediately put the suspected account on a hard hold. After a couple of days following up with both Bank of America and XXXX bank, I now know that XXXX has a hold on the money but a portion had been withdrawn. Additionally, XXXX was willing to release the money back to Bank of America but it requires a " Hold Harmless Agreement '' that is signed by the VP of the Wire Department at Bank of America. However a Bank of America representative has refused to do so citing that this would transfer the legal liability from XXXX to Bank of America. 
I 'd like to file the complaint against XXXX bank for not able to accept a " Hold Harmless Agreement '' from me or not able to release the money back to me directly despite that I have proof beyond of doubts that the money was mistakenly transferred from my account at 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 explanation
Consumer complaint received 2016-12-08
Company: JLB CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a mail advertisement from this mortgage company and it does not contain the required non-solicitation opt-out information. Also, I am on the non-solicitation list and just renewed 6 months ago. They are illegally using lists that contain people who have opted out of mail advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We asked Caliber Home Loans to change our auto pay from bi-weekly to monthly, We were current on our loan. They agreed and sent us a letter stating our next payment would be withdrawn on XX/XX/XXXX. It was not withdrawn. We called 2x, telling them it was not withdrawing. They assured us that we would not be charged a late fee. They did not attempt to fix the problem. When we called next and found out they had not even attempted to fix the problem, we asked to speak to a manager and were told they would call us back by the XXXX of XXXX. They did not, and they charged us a late fee. We called on the XXXX, spoke to XXXX, who reversed the late fee, and tried to connect us to a manger, but said they would call us back the same day. They did not. Today, the XXXX, we made a payment through the web portal, because I am sure they would be reporting us to the credit agencies soon. Caliber Home loans need to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: FL
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY

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 2017-07-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I was cheated by US bank to open reserve lines when I opened a checking and saving account with them, which resulted in a hard pull in credit report. First of all, I was n't notified by the banker by any word regarding a hard pull or credit report change. Secondly, I was n't aware of any word about " reserve line '' rather than overdraft protection. This is ridiculous. I have contacted the credit dispute department of US bank. But their response is disappointing.US bank should take full responsibility for this issue. I just request to cancel the hard pull and reserve Line. However, this simple reasonable request by the customer was ignored by US bank. Could you help me on this? Thanks.

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 2019-12-26
Company: EQUIFAX, 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 information incorrect

Complaint:
On XX/XX/2019 I was alerted to a negative change to my XXXX credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what XXXX isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. XXXX also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. XXXX isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above 720 where it belongs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Conventional Home Mortgage Loan was sold to Wells Fargo who is currently servicing my loan.

Prior to the initial loan due date, I set up early partial payments ( 1/2 of the full payment ), essentially paying ahead, every other week with partial payments.

Wells apparently has a policy that they will not apply the funds until a full payment is received.

My question ( and complaint ) is how can this be legal? They are receiving money ahead of the payment due date and just holding it, free of charge, while continuing to charge me interest.

I contacted them to rectify this issue and they just continued to re-state their policy. They did " escalate '' the issue to the " executive '' team today ( XX/XX/19 )

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 2019-12-26
Company: EQUIFAX, 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:
THIS IS NOT A DUPLICATE. Equifax credit bureau received evidence showing a collection account reported on my profile was cancelled as a collection due to fraud. However, Equifax continues to give me misinformation. I was initially told the account XXXX will be removed no later than XX/XX/XXXX. As of the date of this complaint, the supervisor told me the time frame is 30 days. XXXX, and XXXX   removed the account as fraudulent. For some unknown reason Equifax continues to allow that report to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I mailed you a letter disputing 2 accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2017-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of America erroneously posted a 30 day late on my second mortgage. 
I have a purchase money second on my home that I have had for 10 years. At the end of the 10 year period the loan was supposed to convert to a 15 year fixed until it is paid off. Bank of America had the loan in their system as a 10 year balloon. They began sending me letters saying I owed them the entire amount. I continued to pay the monthly payments hoping they would correct their error. After many phone calls and letters, they finally corrected the loan in their system. But they posted a 30 day late on my XXXX 2017 mortgage history. 
They admitted they were at fault and said a letter would be sent out to correct their error. The letter is ambiguous and does not clearly state that it was their error and that the 30 day late is erroneous. I called today for a more detailed letter and was told to call the credit bureaus. You ca n't just call a credit bureau. 
I am in the process of getting a new mortgage loan and this has destroyed my chances. My FICO score dropped 60 points. They are unwilling to expeditiously correct their 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan servicing company ( SLS ) continues to overbilled me. I have now contacted them 18 times to try to get an answer. They continuously to me that a supervisor will call me back within 24 to 48 hours. If I am working at the time, I have to start all over because nobody knows whats going on there. They have cashed two checks and mis credited them triggering late fees to my account. The amount seems to change every month constantly causing long phone calls to a staff that is ill trained and never seems to have a supervisor available. This company needs to be investigated. The amount of errors are just unacceptable including posting to the credit bureau that payments are late even after the error on their part was discovered. 
The most current phone call was made again today, XX/XX/2019. 
PLEASE investigate. They send you in circles to email and fax information and then claim that they never received it. In the mean time, Im spending hours getting false information removed from my credit report.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-21
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 2019-12-26
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-10-03
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Friday XXXX XXXX I deposited four checks totaling just over XXXX the machine jammed after scanning the second or third check. The following Tuesday I received notification that my account was being closed for fraudulent activity because they couldn't find my checks. I have called ATM operations, loss prevention, customer service, and claims, and have spoken to countless people about this issue. I keep being told they are trying to find my checks but they are closing my account XX/XX/XXXX unless they can find the checks which they state they have until XXXX to do so. That does not stop my account closure. My name is XXXX XXXX phone XXXX the Wells Fargo branch was XXXX XXXX and XXXX in XXXX XXXX Nevada.

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 2022-01-21
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/2021 I have received 600 to 900 automated ( recordings ) from SYNCHRONY BANK of Utah and Florida. 
XXXX or XX/XX/2021 I had a scammer call me, he spent 1 hour on the phone representing himself as Pay Pal During this time he charged my account {$700.00} then {$1400.00} then he took it off my account. I was afraid he would put it back on my account so I called SYNCHRONY BANK and explained what had happened. They said they would have their Fraud Dept investigate it. 
The thieves then took out {$700.00} from my account. and I started getting the phone calls. 
I have spoke to one of the SYNCHRONY BANK representatives and told him what had happened. Nothing happened. 
I wrote 4 to 5 emails ands nothing happened. 
I have stopped putting items on XXXX XXXX I believe my items have been shown since this all this has happened. I had hundreds of items on line. 
I will no longer deal with XXXX XXXX or SYNCHRONY BANK. 
I have been with XXXX XXXX 30 years and have made over {$100000.00} in sales

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 2017-04-19
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Th e National Credit System cl aims that I owe debt. I do bot get the news from them but from my friend. They harassed my friend, telling him that I owe a debt and I did not pay for it. This really embarrassed me. I never owe a debt and do not pay for it. I called them and argue with them. I asked them to verify the debt first. However, I 've never heard them since them. Several months later, they just reported to the credit bureaus. I really can not believe it. First of all, they contacted and harassed my friend before they told me about the debt, which definitely break the law. What 's more, it is not right to report the debt to credit bureau before notifying me, especially when I asked them to verify it. I do not recognized the debt at all. I think they did it completely wrong. As an individual, I will stand up for myself and never pay a debt that does not belong to me.

Company response to consumer: Closed with explanation