BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent the company a letter requesting validation of the debt. This was sent at the beginning of XXXX. To this date the company has not sent evidence that this debt is mine nor that I am responsible for payment. Today, I received a phone call for the company attempting to collect the debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft I did not authorize the inquiries listed below. I tried contacting Trans Union but they keep sending bogus letters back saying they are not removing and to contact the creditor. I contact the creditor and they tell me they can't talk to me because I didn't authorize them and to contact credit reporting companies. This is going back and forth when by law pursuant to section 605B of the Fair Credit Reporting Act Trans Union is required to remove them. That is why I am filing this complaint. 

The information listed below appears on my credit report, but I did not make or approve of these inquiries. This happened because of identity theft. Please BLOCK the information.

Thank You! 

Fraudulent Inquiries to be deleted XXXX XXXX XXXX Requested On : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX On : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Requested On : XXXX. XXXX, XXXX XXXX XXXX XXXX  - Requested On : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.

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 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Follow up to CFCB # XXXX and # XXXX. Also see XX/XX/XXXX complaints to CFCB. I am still waiting for Bank of America to take ownership of the management of the status of my closed loan. The status and amount of my loans remain incorrect with all XXXX of the credit reporting bureaus. See attached contradictory letters from Bank of America and XXXX XXXX. Bank of America approved my short sale in XX/XX/XXXX and they are the mortgage institution responsible for updating my credit report correctly but has not done so.

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 2020-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One sent me a solicitation in the US mail to apply for a Venture credit card, offered to customers with " Excellent Credit, '' they said. They had a preapproved offer for me. They gave me a reservation # for my offer and an access code. I had to apply before the deadline XX/XX/20. I applied, according to their instruction, online on XX/XX/20 to getmyoffer.capitalone.com. A couple hours later that night, they sent me an email telling me I would have to provide them a copy of my passport, driver license or some other photo id AND a copy of my social security card or w2. That was on a Friday night. I had to wait till Monday to call the phone number associated with this request, so I called them and they said if I refused to provide this personal information, the offer would be withdrawn. I told them I will not send it. 
I told them that if they had told me that information even MAY have been requested, I would not have applied, because I have no intention of sending them my driver license or passport. 
So, they already did a hard pull on my credit and my credit score dropped somewhere between 5 and 10 points. I called XXXX  and they said I should request a letter of deletion from Capital One and then they ( XXXX ) would be able to delete that hard pull and my credit score would return to its previous number. 
So I called Capital One back, and they refused to provide a letter of deletion. They told me I have to write a letter to them and send it by snail mail explaining what happened and they would reply in 30 days. So this would drag out for up to 6 weeks and my credit score would remain negatively influenced. They would make their own decision whether they did anything wrong and I had no recourse. Capital One is going to be its own judge. They were rude and they didn't care at all. 
XXXX told me that inquiry by Capital One will remain on my credit report for 2 YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have applied for a XXXX Refinance with a Mortgage Lender, which involved submitting a request to RBS Citizens to Subordinate a Home Equity Line of Credit to the new first lien mortgage. I was approved for the refinance and the application for the Subordination was sent out to RBS Citizens, which included all of the documentation requested in their request checklist ( compiled by the title company ) and the request was submitted the first time with the incorrect fee for the Subordination request. The request was sent out ( XXXX ) with the check for the correct amount ( {$250.00} ) and returned as the request was denied because an appraisal was not submitted. I called RBS Citizens to find out why the request was denied, as I did apply for a XXXX Refinance and subordinate lenders are required to approve the request ( provided the account has a satisfactory payment history, which I do have ). They told me the reason for the denial was because I am required to submit an appraisal because my line was frozen and when a Home Equity Line is frozen, regardless of using a XXXX Refinance or not, we needed the appraisal. I paid for the appraisal. The appraisal was done and the application for the Subordination was submitted again. I hear nothing, so I called thus again ( keep in mind, my title company has been calling for status updates as well as myself ) and now I am told they need 10 days to log the request in and reply to the request. This happened late XXXX and was told the 10 day mark would be XXXX XXXX. No response at all, so I wait longer. I called again and was told by different customer service representative that the appraisal was not required ( even if my line was frozen ) if applying for a HARP refinance. Now I still have no answer and I spent in excess of {$400.00} for an appraisal, which was not needed in the first place. I called the title company today again to ask if they received the package returned or have they received any updates, which they did not. 

My frustration with this is endless and I can not finish my refinance until this is resolved. EVERY time I call or my Title Company calls, I receive a different story with no direction on how to resolve this issue. I can not imagine that RBS Citizens is doing this to all of their customers who request subordinations for their Home Equity Lines but I would like to get to the bottom of this and have my subordination approved and receive a refund for the money I spent for the cost of the appraisal which was not needed in the first place. 

I appreciate your assistance and welcome you to contact me at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I used to have a credit card account with Citi bank and there are many fraud charges on the credit card that never were credit back to me. Entire year os 2014 charges for he credit card citi is fraud.

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 2020-03-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. I was the legal guardian for a woman who banks at Wells Fargo. The woman I was POA for was XXXX XXXX XXXX. She banks at Wells Fargo located at XXXX XXXX XXXX XXXX XXXX WA XXXX. 

I went to the bank on XX/XX/XXXX and gave them my resignation as POA and asked to be taken off of her account. I was told that this could not happen. I had to continue to be the POA until I got someone to replace me. I was not happy so the manager stated he would get someone to call about this problem. 

I got a call and e-mail from the person below ( ( ( ( Dear XXXX XXXX XXXX My name is XXXX XXXX and I am a Case Manager in the Wells Fargo Executive Office. My role as a Case Manager is to research and resolve your concern. I wanted to let you know that I have started my research and that my goal is to provide you with a resolution within 10 business days from XX/XX/XXXX. 

As part of researching your concerns, I may be reaching out to get more information but Im here to help with any questions you have along the way. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, I can be reached at XXXX XXXX XXXX from Monday through Friday between the hours of XXXX XXXX  XXXX XXXX  Central Time. 

For reference, your case number is XXXX I look forward to serving you and resolving this issue. 

XXXX XXXX XXXX Office Case Specialist Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC. '' ) ) ) I have reached out to XXXX several times with no respone. 

Thank you for your assistance in this matter. 
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 explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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:
I AM INTERESTED IN PROCESSING DISPUTES FOR ALL INACCURATE INFORMATION ON MY CREDIT REPORT WITH EQUIFAX. PLEASE REVIEW ALL DATA THAT IS HINDERING MY FILE & REMOVE ALL LISTED ITEMS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Prior CFPB complaint marked as duplicate to avoid addressing error in funds availability of a mobile check deposit, the amount of {$4200.00} made on or around XX/XX/2018 to Suntrust checking, now Truist Bank. For whatever reason, Truist Bank did not provide prior reply to CFPB, claims to have sent it directly to me, to avoid the CFPB and posting it on portal .... The CFPB might want to investigate this behavior. It appears Suntrust rep ( s ) made an error in releasing full funds from mobile deposit made on XX/XX/2018, funds were made available on XX/XX/2018, did not verify availability with XXXX XXXX prior. The check had a stop payment placed on it, unknown to me at the time. The account later became overdrawn as a result, the amount of which is unavailable to me at this time, account was sent to several collection agencies, sent back to Suntrust. Most recently, XXXX XXXX XXXX attempted to collect on debt, referred account again back to Truist Bank. As stated before, Suntrust reps made an error in releasing funds, did not verify prior, now attempting to collect funds from myself. This appears to be their own error, I refuse to pay for. Also, XXXX XXXX has not reimbursed me to date for funds owed, the amount of {$4200.00}.

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 2017-05-29
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: Account status incorrect

Complaint:
I recently reported  XXXX  loan servicing to all   XXXX   major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent altisource trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer   XXXX   over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.  XXXX    XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER  LENDER LOAN SERVICER OPERATION SEEKING THE MAX DAMAGES. I ASK THAT ALL  XXXX  MAJOR CREDIT R EPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Kansas Counselors, and disputed multiple times to all 3 credit bureaus for verification and information for the proof of this debt. Kansas Counselors will not provide any evidence that this debt exists, invoice statements, a breakdown of charges, or an itemized list of the amount they claim is owed to them. The only information Kansas Counselors says they are able to provide is the amount of money attempting to be obtained. 

Furthermore, I was never sent any paperwork, contacted by phone or e-mail, or mailed any documentation from Kansas Counselors that would have allowed me to formally dispute or verify the debt in question in a legal manner. 

Without any proof of this debt amount being owed, I am unable to verify that I am liable for this collections account. I would like for you to press Kansas Counselors, and the 3 credit bureaus for documentation and further evidence of this amount being owed to Kansas Counselors and request that if it is unable to be provided, that this collections account be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Enhanced Recovery Company has not responded to my letter of validation with the required 30 days so they have not validated the debt in accordance with the guildlines of the FCRA. I have sent them a XXXX letter notifying them that I have not heard from them and request they remove the tag lines from all XXXX CRA 's immediately but have yet to see any results. I have check on the XXXX website and seems that I am not the only XXXX that has had to resort to contacting CFPB concerning this company 's reporting practices and the only way to get resolution to this matter is by contacting CFPB for assistance. They also have not verified with the CRA 's either as my credit reports all still state consumer disputes claim. Your assistance is greatly appreciated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to buy a foreclosed house from a Popular Bank ( Banco Popular de Puerto Rico ( XXXX XXXX XXXX but they are doing internal auctions, increasing the value of the properties and keeping the extra profits, often with cash sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I took out a Flex Loan with Advance Financial with an initial credit limit of {$1700.00}. The interest rate is 279.5 %. ( Copy attached ) Due to timely payments on my part, my credit limit is now around {$4000.00}. 
I recently developed health problems with my XXXX and XXXX which are preventing me from working. 
I made reduced payment arrangements, but with every payment, the balance of the loan keeps growing, I sent a request to close the account and settle the account for a reduced payoff on XXXX XXXX, XXXX ( copy attached I received an email response back the same day. ( Copy attached ) I called today to check on the request and to verify that the payment was received from my arrangement, and found out that the request had not even been considered yet. 
The lady I talked to sent the request to management who turned it down cold, since We had already made and completed a payment arrangement in XXXX. 
They did allow me to set up another reduced payment, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
New relevant information. Not a third party unauthorized. Not a duplicate. DISCOVER : THE ACCOUNT HAS BEEN UNDER DISPUTE SINCE I HAVE BEEN AWARE OF IT. IF AN ACCOUNT IS BEING DISPUTED YOU ARE REQUIRED TO COMMENT ON THE FILE THAT THE ACCOUNT IS UNDER DISPUTE. IT DOESN'T MATTER IF I DISPUTE DIRECTLY WITH YOU OR WITH THE CRA, YOU ARE REQUIRED COMMENT THAT IT IS UNDER DISPUTE. NOT COMMENTING OR REMOVING A COMMENT WHILE AN ACCOUNT IS STILL DISPUTED IS A VIOLATION IF MY RIGHTS. 

I WAS NOTIFIED ON XXXX THAT YOU REMOVED THE DISPUTED COMMENT FROM XXXX. I WAS NOTIFIED BY YOU THAT YOU WERE WORKING ON MY DISPUTE ON XXXX. YOU VIOLATED MY RIGHTS BY REMOVING THE COMMENT. NOT ONLY IS THE ACCOUNT THE RESULT OF IDENTIFY THEFT, BUT BY REMOVING THE COMMENT YOU FURNISHED INACCURATE INFORMATION TO THE CRA, THIS IS A VIOLATION OF THE FCRA, AND FTC GUIDELINES. YOU HAVE CONTINUALLY SHOWN YOUR INABILITY TO FOLLOW GUIDELINES SET BY THE FTC AND THE FCRA, BY CONTINUING TO REPORT THIS FRAUDULENT ITEM AFTER BEING NOTIFIED THAT IT IS THE RESULT OF IDENTITY THEFT, BY CONTINUING TO REPORT AN ITEM AFTER BEING PROVIDED AN FTC ID THEFT REPORT, YOU DID NOT GET A DOCUMENT TO VERIFY WHO WAS OPENING THE ACCOUNT BEFORE EXTENDING CREDIT, AND YOU HAVE FAILED TO PROVIDE ME SAID DOCUMENT UPON REQUEST, DESPITE ME REQUESTING IT 4 SEPARATE TIMES, AND YOU CONTINUE TO VERIFY THE DEBT AS ACCURATE WHEN IT NEVER SHOULD HAVE BEEN OPENED IN THE FIRST PLACE AS IT WAS THE RESULT OF FRAUD. Attached you will find verification of claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXXXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions.XX/XX/XXXX Trusted XXXX To Pay {$12.00} XXXX For Violating Consumer Protection Laws

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 2022-07-12
Company: EQUIFAX, INC.
State: NC
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:
XXXX & XXXX has admitted that they do not have any loan information with my name, yet they refuse to delete it off my credit report. XXXX, Equifax and XXXX claims that the account is verified, accurate and validated, yet XXXX XXXX  XXXX can not find ANY LOAN INFORMATION in their system, So how is is verified, accurate and or validated by Equifax, XXXX and XXXX? Besides that, XXXX XXXX  XXXX had since XX/XX/2022, since they were notified by CFPB and XXXX and they could not find anything. 
I am unsure as to how my likeness was received by XXXX XXXX XXXX, but being a victim of the Equifax and XXXX data breach I can only believe this error was due to their errors as to the why this account appears differently on all credit agencies profile. I am a victim of aggravated identity theft and these companies have access to my credit and caused actual financial injury and severely harmed my existing relationships with financial relationships, as well as hindered my opportunity with news ones ; as I've been denied by many. These CRAs have willfully neglected their responsibilities to consumers by violating the FCRA. 15 usc 1681 b as well as 15 usc 1681 c-2 and each of its CEO 's are culpable, as well.

Company response to consumer: Closed with explanation