BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to obtain a mortgage discharge for an old paid off mortgage and Citizen 's Bank ( formerly RBS Citizen 's has repeatedly lied about taking care of this. They first promised two weeks, then thirty days, then more time. They are holding up the sale of a property. State law here in Massachusetts requires them to respond in thirty days. 
After a loan is paid in full the bank is obligated to issue a discharge. As this is not a profit center the bank is not providing staff to meet its obligations. 
I am an attorney representing the buyer. The seller has had no success going into the branch and asked me to help. I made a written request for a discharge in XXXX. If I, as an attorney, can not get a discharge, imagine how frustrating this must be for peo

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: TX
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 act US DEPT ED Account # XXXX, XXXX  account # XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Bonial & Associates, P.C
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX hired a retired wallstreet banker and attorney, along with XXXX, and a hand writing expert that determined XXXX did not receive a mortgage, but signed a fraudulently presented security. The Hand writing expert determined that a Corporate Assignment of Deed of Trust was done fraudulently, so forfeited notary bond to XXXX and no longer is notary. XXXX have been involved in litigation on this matter and have determined for last 8-9 years XXXX of XXXX has been practicing law from the bench a high misdemeanor. Also no 700 form or Judiciary Bond are on file as required for this Superior Court Judge. Thus, XXXX NOTE was treated as MONEY and was monetized and cashed paying off house immediately. Thus the DEED of TRUST was never active from the terms and conditions. And Conversion Fraud, and Mail Fraud have taken place, XXXX, XXXX, AND XXXX., AND XXXX, XXXX, AND XXXX. WERE all put into a government conservator-ship. This process was set up from the XXXX. and XXXX. Using XXXX ( XXXX ). and XXXX. whom never loaned XXXX anything. They had XXXX sign a security instrument, but the people doing the fraud were not licensed to sell securities, apparently not an agent of MERS either and included their incorrect legal name on the paperwork. This was all orchestrated by XXXX, that is owned by XXXX, XXXX have asked them already for their errors and omissions insurance carrier but they have been non-compliant. XXXX IS owned by XXXX. All have been involved with a corrupt network of RICO fraud. So much for buying worthless title insurance. XXXX also worked with XXXX to presumably table fund the loans as a deposit which is illegal and unlawful. All of this illegal activity since 2004 has happened with the government knowledgeable since the fraudulent entities filed 15D forms with the SEC XXXX database canceling the tax exempt trust no more then one year after it was set up XXXX database canceling the tax exempt trust no more then XXXX year after it was set up for tax evasion of the money or conversion payments. HOME was paid off immediately by NOTE that was monetized with FED, then the party took out additional loans from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: NAVY FEDERAL CREDIT UNION
State: MT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Navy Federal Credit Union has issued XXXX loans in my name to my spouse. I discovered these debts in XXXX XXXX. I am currently pending a divorce and have filed a criminal complaint against my spouse for forging loans and taking credit cards in my name ( total XXXX accounts at approx. {$160000.00} ) and filed a divorce in XXXX XXXX in Montana. Navy Federal 's loans issued in my name have helped to destroy my credit rating and I am in their collections department for a loan that I did not authorize to be taken out or take out. I have reported to Navy Federal Credit Union that the loans are fraudulent and forged as I never authorized them or signed them or gave signature authority to my spouse or anyone else to take them. I have provided affidavits to Navy Federal Credit Union telling them of the fraud they will do nothing and are coming after me in collections. I obtained the XXXX forged promissory notes from Navy Federal Credit Union in XX/XX/XXXX, XXXX XXXX and XXXX XXXX. I can not get any assistance from them and they claim that the loans are not fraudulent. 
My Criminal statue for Felony Forgery is still active from date of discovery and so is my civil statute. I am using my rights on both ... criminal vs. wife and civil against wife. I also will be filing civil suit vs. Navy Federal Credit Union for their part in my financial destruction. 
In Divorce actions I am required to maintain assets and payments until court decides the action ( economic restraining order ) so I started paying from my account on the vehicle loan in XXXX XXXX. Very easy to prove and Navy Federal will show that I have been paying XXXX per month since XXXX XXXX. Other than that I have never made payment on any of the loans as I did not know that they existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My XXXX-year-old daughter 's debit card was used fraudulently beginning on XXXX XXXX, 2015. 
While the bank - Wells Fargo - stopped all subsequent debit card charges that day to taxis, additional subsequent fraudulent charges were permitted by Wells Fargo to a number of fast food outlets and discount grocery stores. As soon as the funds on the debit card were depleted, Wells Fargo withdrew a total of {$270.00} and XXXX {$12.00} overdraft fines from my daughter 's savings account. The fraudulent charges at locations ( XXXX and XXXX ) and businesses ( fast food chains and discount grocery stores ) were inconsistent with my daughter 's spending patterns. We live in XXXX. 

I became aware of the fraudulent charges on XXXX XXXX when I uploaded transactions on XXXX, discovered the fraudulent charges and contacted Wells Fargo to shut down the card. Wells Fargo promptly refunded the full amount of fraudulent charges and bank fees. However, my specific complaint is that the bank 's fraud detection system identified and stopped fraudulent charges on XXXX XXXX but even two days later the bank neglected to : ( 1 ) alert my daughter that her card was being used fraudulently ; ( 2 ) stop subsequent fraudulent charges ; ( 3 ) stop overdraft fines ; and ( 4 ) stop fraudulent withdrawals of funds from her savings account to cover fraudulent overdrafts. Additionally, no one at the bank was willing or able to provide contact information for the consumer protection complaint I wished to file with government regulatory agencies, which again seems highly unprofessional and inconsistent with the intent of federal consumer protection law. 

Failure to notify us and also to stop fraudulent charges after an initial instance of fraud is well below the standard of practice for credit card companies. I believe that fraud prevention systems and practices should be even more responsive for debit cards given that the funds are immediately withdrawn from accounts. I am submitting this complaint because I believe Wells Fargo has an obligation to improve its fraud detection systems and staffing so that consumers receive same-day notice of suspect debit card fraud. Additionally, I believe that all banks ( not just Wells Fargo ) should be obligated to provide ( upon request ) accurate and timely information about government agencies established for consumer protection and to receive consumer complaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Ability Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the company to get information pertaining to the alleged debt. They sent me a debt validation which shows I owe a balance of {$150.00} to the school when I had student loans and financial aid. The debt is not owed. The first time the lady hung up on me. I called back and they do n't tell you there name and the person said they will not remove the debt and will still on my credit she does n't care what I say or do. Then she rudely hung up on me. I then went to the Indian a Secy of State to check them out and found they are not licensed or registered in the State of Indiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions

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 2021-10-27
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:
My husband and I had an auto financed through XXXX XXXX. My husband, unfortunately, had to file bankruptcy and we gave back the vehicle. It is my understanding that it was sold at auction and that the balance was reduced from $ XXXX to $ XXXX. 

The XXXX XXXX installment loan stopped reporting any updates to my credit report since XX/XX/2020 so it appears to be stuck at a rolling 60 day late. When we call XXXX XXXX the representatives tell us that I am going to receive a XXXX because the balance is being forgiven which I am fine with but I need the account to be updated on my credit report since XXXX  XXXX is saying I am not able to pay on it as there isn't a balance due by me.

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 2017-07-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I paid off two of my stafford loans last month and was told by Navient that I could delay my payments for my other loans a month as a result. I was given the wrong information and as a result have to pay last months remaining balance and this month on top of a late pay fee. When I called Navient they said there was nothing they could do and that I had to either put in forebarence ( more money ) or just pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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: Account information incorrect

Complaint:
I have requested on at least three different occasions for XXXX XXXX XXXX to send me paperwork to validate the debt they claim that I owe on my Equifax XXXX  and XXXX  credit reports. They still have not as of the date of this complaint send me any paperwork to my mailing address which they have choose substantiates and validate the alleged amount of the deaths that they claim that I owe. As such, this is in violation of the fair debt collection practices Act as I have asked repeatedly for a validation of this alleged debts which they have failed to produce and this is also a violation of the Florida consumer credit protection act under the same guidelines in XXXX XXXX XXXX has repeatedly stated before that I do not formally let them know what violations they are committing under both the fair debt collection practices Act and the Florida consumer credit protection act. As such, they have been negligent whether it is indirect or willful in my repeated attempts to have validation paperwork sent to myself via United States mail as they are not allowed to contact me via telephone at any for any reason per the cease-and-desist request that is already on file with them that bars them from contacting myself or contacting anybody related to myself via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: TN
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:
1. Equifax has erroneously listed a hard inquiry from XXXX XXXX on my credit report. 
2. XXXX has confirmed a ) they have no record of this inquiry b ) they have no record of me requesting credit and c ) I am not a customer of XXXX. 
3. This is an Equifax error. I have disputed this with Equifax several times. I have explained that the error was Equifax 's, and Equifax has failed to remove this hard inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: TX
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 act inquiries XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 went online to obtain a tax id for my XXXX. THe first site I saw was XXXX XXXX XXXX. It appears to look like a legit irs site. I put in my company information. They charged me XXXX for a tax id number that they said would be emailed to me. In the meantime, I was online and noticed that IRS does not charge for a tax id number and was going to call bank to have it stopped but then someone from XXXX XXXX  called me. I was livid at this time and told them I thought their company was misleading consumers, that I did not want their service, that I was not paying them and I wanted to speak with a supervisor. THey put me on hold and after about 20 minutes, I was disconnected. At that time, I contacted the bank who said they would investigate. I just received a letter from the bank, stating they deemed the transaction legit and are now, at this time during the coronavirus outbreak no less, recharging my account {$240.00} in 3 days for something I never received. It also took me 2 days to get through to the bank and the and are not helping either. The point is I never received a tax id from XXXX XXXX XXXX and just want the bank to not process the charge which I tried to convey with them this morning to no avail Here are the facts : I went on this site that looks like an IRS site and paid {$240.00} for something I never received. There is no disclosure on the terms and policy page of XXXX XXXX XXXX that they are not part of the IRS. 
I told XXXX XXXX XXXX I did not want the service, wasn't going to pay for it, and never received it. 
The Bank, TD, could show me no documentation that I received the tax id via email so how they said this was deemed valid, I am not sure. 
The outcome is that I received a tax id number free from the government site. I did not receive a tax id from XXXX XXXX XXXX. 
I would like TD bank not to take this money from my account tomorrow. This XXXX XXXX XXXX  is clearly misleading, there is nothing to disclose to the public that they are not part of the IRS and non suspecting consumer would clearly think they were legit. TD Bank should be able to protect their clients better especially when a product has not been received regardless how misleading XXXX XXXX XXXX  is being with the public. 

Please let me know if you can help. 
THank you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There is a duplicate inquiry from XXXX in the past 30 days and there should only be XXXX reporting. I was advised by XXXX that they requested it be removed but it remains. There is a fraudulent inquiry that remains from XXXX XXXX dated XXXX/XXXX/XXXX. I was advised by XXXX XXXX that they requested a removal but it remains. I was also advised by XXXX XXXX that a request was sent to have inquiry removed ( XXXX, XXXX, XXXX ) over a year ago but it remains. There is written documentation in a previous XXXX XXXX complaint with CFBP. There is an inquiry from XXXX XXXX that is fraudulent and I was routed back to Transunion to dispute. There is also an inquiry from XXXX XXXX XXXX that is fraudulent. My driver 's license was stolen along with my car XXXX XXXX. Please add my phone number to my fraud alert. 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 non-monetary relief
Consumer complaint received 2022-04-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is XXXX XXXX. I have an account of Amazon Credit Card ( Store Credit Card ), I have always purchased amount on 6 Months Promotional offers ( {$150.00} or above ) or 6 Months Equal Payment Financing ( {$150.00} or above ) and 12 months promotional offers ( {$490.00} or above ), and I am paying off all my promotional balance before expiration and never let anything left but still unpaid regular {$540.00}. My first question, how my regular balance came out too much on my statement, when I am purchasing everything on promotion, Synchrony Bank have no answer, XXXX splitting transactions and posting it on Synchrony Bank less than {$150.00} and Synchrony Back system understands that items are purchased less than {$150.00}. Synchrony Bank have glitch in their system and applying interest on transaction which is posted in categories or splitting amounts. I never purchase anything {$150.00} but XXXX posting it separately and causing system to put interest on every transaction. Kindly fix it. This is completely 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 2022-09-10
Company: EQUIFAX, INC.
State: OH
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital one closed 2 of my credit cards today XX/XX/2022. One of the credit cards I just got approved for on XX/XX/2022 and hadnt even received the card in the mail yet. The original account was closed due to returned payments which I tried to explain the funds were available in my account at the time and they should not have been returned. I let them know I can print off a statement to verify. I also made a payment that posted immediately once I noticed the bank returned the previous payments. The last payment did post. The card I was just approved for on XX/XX/2022 that they closed has not even been used yet nor the card received in the mail. I just linked the account 2 days ago when I received the approval email. Capital One customer service and the accounts department was completely unhelpful in trying to find a resolution for at-least the account that was just opened. This makes an impact on my credit report as well as having an extra inquiry on my credit report. The account being closed that has not even been used yet is completely unacceptable and unfair.

Company response to consumer: Closed with explanation