BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Experian ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Inquiry : XXXX XXXX and XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX NA : XX/XX/XXXX Inquiry : TXXXX ( Bank ) XX/XX/XXXX Inquiry : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Inquiry : XXXX ( Hotel and travel ) CollecitonsXXXX XXXX XXXX Last reported XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Convergent Account # 1234, 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 in
structions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I called to submit a wire transfer on XX/XX/2022 at XXXX for a closing on a property scheduled for Monday XX/XX/XXXX at XXXX. I was told that since the call was made prior to XXXX it would be sent on XX/XX/2022. I went to my closing at XX/XX/2022 at XXXX and was told the funds had not been received yet. I called Marcus and was told they needed to speak to the Title Agency. They called the Title Agency and confirmed the wire instructions. I called back at XXXX on XX/XX/2022 and the wire still hasnt been sent for closing and causing the prevention of moving in to my newly purchased property. The have now prevented me from having access to my funds for closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Cawley & Bergmann, LLP
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter stating that I owe {$290.00} from Cawley and Bergmann by XXXX XXXX XXXX XXXX. 
This was a debt that I had entered into a discharge amount of {$2100.00} in 2018. 
I was told that settled my debt and now 4 years later I get a letter stating that I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Capital One credit card but began to receive letters from them about fraudulent transactions even before I received the card. I never activated the card and asked them to close the account. I closed my checking and savings accounts with them and sent a follow-up letter on XX/XX/XXXX asking them to close the credit card account. Recently I began receiving statements for the credit card. I sent a certified letter to them on XX/XX/XXXX notifying them that I had closed the account XX/XX/XXXX. The account still has not been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It is ridiculous, this one guy XXXX at Ally Financial repeatedly calls my phone if my payment is even a day late. I blocked his number from my phone bc the calls were beginning immediately at XXXX and sometimes a little before, plus he has called my job to ask for me and I do not take personal calls at work unless it is an emergency. I really wish I would have read the reviews on this company before financing with them bc it looks as if they are a joke and they def have been proving that but the car dealership found them and they had best interest rate for us.

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 2017-03-08
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed incorrect information that XXXX and XXXX reported to my Experian credit file. Experian removed the incorrect information. I just checked my Experian credit file today and noticed that the items have been re-inserted. According to the Fair Credit Reporting Act, Experian should have notified me within 5 days of the re-insertion. I did not receive such notification, and the item should be removed.

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 2017-03-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing one item on my credit report since XX/XX/2017 with no success. I paid a account in full on XX/XX/2017. Since then i have mailed proof and uploaded proof of payment to experian. I have also contacted the creditor XXXX ( XXXX, IL ) three times this month and the creditor told me it take two months to have this information updated with experian. Experian already has all the information needed to update my file but they keep sending disputes to the creditor which they come back stating verified no change in balance. This is not true and i would like for experian to update my file according to the proof i have submitted.

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 2017-02-24
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a HAMP mortgage with Freedom Mortgage, I am to understand that with five years of payments in good standing I am eligible for a {$5000.00} payment towards my mortgage. I have written to freedom mortgage and called numerous times, numerous times. They take the information down and say they are going to get back in touch with me but never do. The last call the finally state they received my receipt of my letter it is under research. Please assist me in receiving the credit - that as I understand it is rightly due to me. 
MY contact number is : XXXX ( c ) XXXX. 
The company is Freedom Mortgage My loan # : XXXX Thank you for your assistance. 
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 2017-02-23
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted the company in writing and on XXXX to verify this debt which they have not! It says originally from XXXX and I have had XXXX for the last 9 years so if it 's accurate it 's way old. They will not contact me back. I have even emailed and called to say I would like to resolve it and instead of contacting me they have now made it a charge off on my credit! It 's a very small amount of money and I would like it off my credit! I feel as though they would rather ruin credit than resolve issues! I 'm a single mother trying to purchase a home for us and this is causing problems for me over {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion made changes to my report but still has a phone number related to identity theft as the phone number in my fraud alert. 

TransUnion has failed to block information related to XXXX account XXXX which had fraudulent activity as result of identity theft as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I have submitted police reports, identity theft affidavit, proof of identity as well as a statement that I did not receive goods or services as a result of these disputed transactions, and that the request was not due to error or material misrepresentation. 

TransUnion has failed to block the following inquiries as a result of this identity theft even though my identity theft affidavit stated I did n't apply for credit with these lenders : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

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 2015-11-13
Company: Flagstar Bank, N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am currently in the process of looking for financing for my first home. I contacted Flagstar XX/XX/XXXX, XX/XX/XXXX to get pre-approval for a mortgage. I contacted this company because the Michigan State Housing Development Authority listed a representative named XXXX XXXX as an experienced MSDHA lender. I contacted XXXX XXXX and gave her all my required information to get a pre-approval. I spoke with her a couple times and the last time she advised me she would call me back with the information the next day. I did not hear from XXXX XXXX by XXXX the next business day, so I gave her a call. She advised me that she had actually resigned and would advise her former manager to take over. This threw me for a loop and frightened me. I was not sure if this lady was legit and I had given her all of my personal information. I contacted another officer at Flagstar named XXXX XXXX and he advised me that in order to take over my file it would have to be transferred to him. He advised me that he was not allowed to take on someone else 's case and provided me the number to corporate. I spoke with an operator from corporate who provided me the number of regional director, XXXX XXXX. I contacted XXXX XXXX twice and left one message. I never received a response back. I called the corporate branch office and spoke with a very pleasant and helpful XXXX XXXX who contacted XXXX XXXX and advised me that he would call me back after his meeting. Eventually XXXX XXXX 's former manager XXXX XXXX got in contact with me and advised me that my file was transferred to him. He advised me that he would need to call me back the next business day because I was seeking MSDHA assistance and he had little to no knowledge of the process and would need to seek assistance from a colleague. He did not call me back. So after XXXX on the day he advised me he would call me back I called him and left a voicemail message. It has been 23 hours and I still have n't not heard from him or anyone at Flagstar.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My account was restrained. After it was released I withdrew my money from the account and asked the Bank of America to close it. This was in XXXX 2016. They did not. Since then they have been charging me a {$5.00} maintenance fee on the account every month. I have asked them to close the account repeatedly, but they refused. I even paid the maintenance fees even though I think I do not owe them, since they told me that was why they could not close the account. But even after that they did not close it. My account agreement says they must process any requests relating to my account within a reasonable amount of time. They should have closed my account by the end of XXXX 2016. I should not have been charged any maintenance fees. They have sent me a new debit card even though I said I wanted to close the account.

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 2017-02-08
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
BY CHANCE, I HAPPENED TO CHECK MY BANK STMT. FOR XX/XX/2016 AND FOUND AN DEBIT FROM " THE UNIVERITY OF XXXX XXXX ''. NO ORTHER INFORMATION. I CALLED THE BANK AND WAS TOLD THEY COULD NOT DO ANYTHING ABOUT IT BECAUSE IT WAS MORE THAN 60 DAYS SINCE THE TRANSACTION. 
I CONTACTED ALL 4 BRANCHES OF THE SCHOOL SYSTEM AND THEY COULD NOT FIND THE XXXX DEBIT CREDITED TO THE SCHOOL SYSTEM. 
I CALLED THE BANK AGAIN AND THE REP SEARCHED HIS DATA BASES AND COULD NOT TELL WHAT OR WHO IN THE SCHOOL SYSTEM ACTUALLY GOT PAID. 
THE REP ALSO ASKED ME IF I HAD CHECKED WITH THE 5 OFF CAMPUS LOCATIONS. I DID NOT KNOW ABOUT THEM. THE LAST TIME I ATTENDED XXXX AND XXXX WAS IN XXXX.WHEN I TRIED TO CALL THE DIFFERENT OFF CAMPUS SCHOOLS, XXXX XXXX XXXX, THEY TOLD ME THEY HAD NO AFFILIATION WITH THE XXXX SYSTEM. I TOLD THEM THE XXXX WEBSITE EXPRESSLY NAMES THEM AS OF CAMPUS.I TOLD THEM I HAD NEVER ATTENDED XXXX.THEY TRIED TO LOOK FOR RECORDS OF ME BY MY SOCIAL AND OF COURSE THEY DID NOT FIND ANYTHING.I BELIEVE I WAS THE VICTIM OF ID THEFT.THE COMPLAINT I HAVE IS THAT BANKS SHOULD HAVE DETAILED INFO LIKE CONTACT PHONE NUMBER ON THE BANK STSTEMENTS JUST LIKE THEY PROVIDE MERCHANT AND CONTACT NUMBER ON INTERNET PURCHASES. 
YOUR AGENCY COULD HELP HERE AND GET THE BALL ROLLING TO REQUIRE ALL BANKS TO PROVIDE THIS INFO JUST IN CASE AN ISSUE DEVELS LATER. I PROBABLY CAN NOT SUE THE BANK BECAUSE EVERY COMPANY NOW REQUIRES ARBITRATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX - XXXX to cancel was received and signed for. 

XXXX XXXX - I got called by Wells Fargo about making payments, I told them about the XXXX XXXX interaction. 

XXXX XXXX - I got confirmation again that it was received and the loan was to be cancelled. 

XXXX XXXX - There was no movement, I contacted their call center which claimed they 'd get back to be me on Friday by end of business. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - They did not get back to me. Called again, said someone would call me Monday. I told them I 'd need to file a complaint if it was n't resolved this week since they were insisting I send them payments. 

XXXX XXXX - No one called. Called back, told to call on Tuesday. I told them I 'd need to file a complaint if it was n't resolved on Tuesday since they were insisting I send them payments and it was ~40 days now. The Right to Cancel is 20. 

XXXX XXXX - Called back, told to call back the following Tuesday. I told them I 'd need to file a complaint if it was n't resolved today since they were insisting I send them payments.

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 monetary relief
Consumer complaint received 2017-03-07
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company United Wholesale Mortgage failed to pay city and county tax for XX/XX/XXXX. The city and county transferred that bill to a collection agency. 
By the time I received a bill from the collection agency, the penalty amount has reached {$1200.00}. The total amount including principal + penalty = {$4500.00} I paid for that bill. 

I contacted United Wholesale Mortgage on XX/XX/XXXX asking them to reimburse me the total amount. They said they paid me the principal already back XX/XX/XXXX and agreed to investigate about the penalty. 
I checked my bank records and do not show receiving that principal amount. 

At this point, they dropped the case and stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX my husband and I refinanced out home with Country Wide Home Loan to consolidate a first and second loan, substantially lower interest rate and cash out some equity. When the original loan was started in XX/XX/XXXX we were not married as of yet but was married prior to final documents being signed therefore the property remained solely in my husband 's name since he had purchased the property a couple of years earlier. In XX/XX/XXXX a second was taken out which was a joint loan and therefore changed title on property. 
After finalizing the refinance in XX/XX/XXXX a loan agent approached us that the rates were coming down again and we should refinance again to lower our payments however advised us not to include my name as I had student loan debt. we were assured nothing would change When Country Wide failed Bank of America assumed our mortgage ow recognizing only XXXX as the sole owner and I as non existing. On XX/XX/XXXX XXXX, my husband unexpectedly passed away. When I notified B of A of his passing the options given to was to be appointed as executor of the estsae,, sell, continue to make payments with no legal interest in the property or assume the loan which involves qualifying to do so. 
In XX/XX/XXXX I was placed on XXXX due to health issues seeing I am not XXXX years old at the time of XXXX 's passing and knowing my main goal is to keep my home where we have lived in for almost thirty years. Where we have raised our children and had the pleasure of welcoming XXXX grand children was absolutely daunting. 
After much exchange of information with B of A they now are granting me information on the loan but the no legal authority. I am in the process of working with Keep Your Home California however they are requiring a new modification which B of A sent me an application for but when I phoned to request information was informed the modification would not be granted if I did not assume the loan. 
The deed to the home is now in my name going through paper work we found copies of the XX/XX/XXXX loan where on XXXX different papers my name was listed with the word borrower as well as letters from ReconTrust the note holder of the property when we fell behind on payment after a prolonged layoff. 
I feel victimized seeing we were lured into a loan where my name was omitted but led to belieie it was no big deal since we were married and the house was in my name I feel this was extremely predatory and fraudulent and B of A needs to do the right thing. 
The loan is current and in good standings however XXXX of my kids have moved into assist me financilly but are in the midst of purchasing their own home. I want m home not only because I have paid for it for 29 years and is modified for my XXXX issues

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 2017-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2017 my XXXX XXXX Bank where I have my checking account paid Bank of America {$12000.00} for a credit card payment. My Bank of America credit card balance was only {$120.00}. I made the error in the payment, as I neglected to insert the decimal point. I discovered this error on XXXX XXXX, 2017 whereby I called Bank of America, and they said the difference would be refunded to me in two to five business days. Well today, Friday, XXXX XXXX is the fifth business day and the {$12000.00} that Bank of America owes me is still not refunded back to my checking account. Therefore, I called Bank of America and was now informed that these funds were not going to be in my account until XXXX XXXX. I was livid, to say the least. How can a huge banking entity such as Bank of America justify keeping over {$12000.00} of MY money for two weeks? That is ludicrous.

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 2022-04-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello, I reviewed my credit report and saw an unknown XXXX medical bill from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have sent the credit BUREAUs numerous dispute letters along with an FTC to get these negative accounts removed. I have never been to the hospital at this location before and haven't been to the XXXX  in YEARS. Besides, I have XXXX so all of my medical expenses are paid in FULL. The company is negligent as well and has yet to send any validation. This is impacting my credit score negatively and I need it gone ASAP! I have hired an FDCPA lawyer since my request are being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
IC SYTEMS INC. CLAIMS I OWE AN UTILITY COMPANY {$140.00} SINCE 2014. I DO NOT OWE ANY MONEY TO ANY UTILITIES COMPANY. I HAVE NEVER BEEN INFORMED ( VIA PHONE NOR IN WRITING THAT I OWE THIS AMOUNT. ) THEY HAVE REPORTED THIS INCORRECTLY AND IS AFFECTING 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