BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-11
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a Veteran. I Applied for mortgage loan with Quicken Loans in XXXX 2016. Was advised that FHA was best route for me to go based off fees and current market interest rates and my credit at the time. Was advised and lead to lock in interest rate to protect against possible market decline. But was assured if rates and market got better i would be able to take advantage of best situation. Sign a lock rate disclosure that expired on XXXX XXXX 2016 XXXX XXXX 2016 came and went loan not closed still processing. Mortgage market rates got lowered i was informed i was still locked in at previous higher rates due to an AUTOMATIC Rate Lock Extension ( never expressly disclosed or implied in any documents i had signed or received ) This AUTOMATIC rate lock was be expire in 15 days it did not. It AUTOMATICALLY extended for an additional 15 days then an additional 15 days then a additional 15 days. I inquired with several at QUICKEN my loan officer ( it just the way it is ) his supervisor ( this is the way we always do our rate locks ) and a customer solutions specialist ( aw i see where this could be confusing to a customer but this is the way it is ) At no time did anyone address that fact that this process of AUTOMATICALLY extended rate lock and not a allowing consumer to take advantage of better market pricing as a result of it addressed by anyone at Quicken. Please let me know if i am the last one to the party. As i feel that this practice is a violation of truth in lending laws and possible predatory lending practices as the bank have you at their mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter for an inaccurate account on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I demand that this account be corrected immediately XXXX XXXX XXXXXXXX

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 2021-07-30
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from DIAZ & Assoc., regarding an old debt. This debt is 32 years old and was discharged in bankruptcy.

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 2017-02-12
Company: JH Portfolio Debt Equities, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Previously an account showed up on my credit report from XXXX, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, JH Portfolio Debt Equities is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on one of my reports. I want this removed from my credit reports as this account is not mine.

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 2022-11-15
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-15
Company: WELLS FARGO & COMPANY
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a XXXX XXXX. I saw an ad for a XXXX excavator on craigslist. 
I called the number on the ad. After talking to the man and doing some checking on XXXX I decided it was legitimate. I arranged a loan at XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma. They did a little checking on their own and they decided it was okay. On XXXX the XXXX they wired {$40000.00} to Wells Fargo Bank in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The business name was XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The man said he would deliver the machine the next Friday. Of course I never heard from him again. I have contacted various branches of the law. FBI, The Federal Trade Commission. The Oklahoma XXXX XXXX XXXX. Sheriff departments in Oklahoma and Ohio. I have heard from none of them. The bank in XXXX XXXX returned around {$5700.00} to the XXXX XXXX Bank in XXXX have not divulged the name of the individual who had the account in XXXX XXXX. The XXXX list XXXX registered agents as the agent. I called them and they cant give the name of the owner of the company. I assume this is someone overseas but if not I feel like something needs to be done to deal with this situation.

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 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I filed a dispute against Bank of America Credit Card unit because I took my car into a repair shop and they did not fix it and then they tried to change me additional fees to fix the original problem. I sent several documents to Bank of America by fax and they said they did not receive them and the deadline for my dispute was expired. I filed a compliant with your organization and keep in mind the car repair shop issued a letter stating they did not repair the part of the vehicle that I originally requested repaired. Bank of America has put a negative comment of my credit profile in retaliation to the fact that I reported them to your organization. I recently ran my credit and it said the I filed a dispute of resolution. I have a right to contact you and request a fair and appropriate resolution and it is illegal for them to retaliate with the goal of destroying my credit score. I pay all of my bills on time every month.

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 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015, I cashed a check at Bank of America for XXXX. I received my cash and left the back. Following this I received a message from the bank telling me that they were debiting my account for an additional XXXX, stating that the check had been cashed for XXXX. I tried resolving this by phone and at the branch. I am attaching a copy of my check and the letter received from the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I,   XXXX   XXXX  , never opened the credit card reporting on my credit reports. It 's a   Wells Fargo card.
WELLS FARGO CARD SERVICE   #  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  IA  XXXX  (  XXXX  )  XXXX  Date Opened :   XXXX     This account is fraudulent, I never authorized this card, I never applied for this card, and I never made any charges or received any merchandise related to charges on this card.     Several pages later on this complaint you ask me for the billing address on the credit card. I tried to leave it blank because I do n't know. It would n't allow me to continue so I was forced to say it was the same as my mailing address.

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 2021-07-30
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting a unauthorized collection account on my consumer report. I did not consent to this item XXXX XXXX XXXX XXXX placed on my consumer report. My consumer report is my privacy and I feel i'm being taken advantage of and its embarrassing when I apply for credit and potential creditors see this unauthorized collection there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Northstar Location Services, LLC
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for 15 years and they would not be paying this debt on my behalf.

Company response to consumer: Closed
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX, 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 2022-11-15
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX submitting this CFPB complaint. By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance Owed : {$4400.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

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 2021-07-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 a Fraudulent Inquiry was made on my XXXX  and Experian credit file from XXXX, I did not Authorize this Inquiry and quickly called XXXX  to notify them of such Fraud. Please Remove this Inquiry Immediately from my credit file. I was a victim of identity theft.

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 2015-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Last year Bank of America put my information into the Early Warning System due to an honest mistake. My account was closed due to a check that was entered into their system that belong to an older account of mine. I explained to them that I was teaching my grandmother how to use the check feature on the banks mobile app when my phone froze. While I did n't see the mistake until later I tried to make amends only to still be denied. So now every time I have tried to open a new bank account it is shut down. Being a college student hours away from home it is highly inconvenient.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts listed on an ID THEFT Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2015-08-30
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am seeking the legal dates of first delinquency on my former XXXX XXXX, now Navient, loans. Navient 's website, my recollection, the Navient phone reps, and my credit reports all disagree. Despite emails to Navient and phone calls and multiple requests to speak with a supervisor, I am given multi-levels of conflicting and inaccurate information. I believe that Navient has purposefully misstated the original delinquency dates in it 's records/credit reports to manipulate me into paying the debts. I am currently paying their collection agency, but some Navient representatives say they do not even have access to the name of the collection agency, that the Navient website no longer works, that the Navient website does n't get updated anymore, that the Navient website is not updated for people in collections, and that the website works fine and there is no reason for someone to have told me that. No one seems to be able to access my records other than to give me inaccurate delinquency dates. I am trying to obtain a legal document in writing detailing my dates of delinquency for each loan. I have tried to reach someone to explain why I think that they have the dates wrong, and to discuss searching for the correct ones, but I have been unable to reach anyone who can help at Navient. Furthermore, I was told repeatedly that I could not speak with a supervisor. Eventually, after arguing my case for getting a supervisor on the phone for an hour, I was transferred to someone 's voicemail that was so garbled, I did not even understand the name of the recipient. I left a detailed message asking for a call back and have not received XXXX. Therefore, I am concerned that said document may be inaccurate anyway and would prefer to discuss live in addition to receiving a written letter ( not an email ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX to someone with XXXX in XXXX, XXXX last XXXX XXXX, 2015 though my bank. It was international money transfer. I came to know that i sent it to him by my mistake. I had called XXXX several times to send it back to my account but they kept telling me to talk with him for his approval but i dont know him. I dont have or dont know his phone number. His bank told me to send an email to them what my problem was. so i emailed to them several times and they ignored me for a long time. I was angry. When i called the bank, i needed my money back asap and they said they cant do anything because they said i am not a XXXX customer and i must speak to the receiver. I was stuck and told his friends to communicate with him for me. He was so angry because he was not allowed to give me his phone number then he decided to close his account after he told his bank to transfer my money back. His friend notified me that my money was on way to my account but the fund was never wired for XXXX months!!! I even stopped by my bank about that many times so my bank contacted their wiring dept to request what happened to my fund and where it was. They found that my fund IS STILL AT XXXX ACCOUNT. My bank from XXXX different locations requested it to XXXX to wire it back to my account several times but XXXX refused to do it for no reason. Why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently limited my BUSINESS ACCOUNT. 
Here 's what happened : Paypal asked me if I owned a PAYPAL PERSONAL ACCOUNT beside my PAYPAL BUSINESS ACCOUNT. I replied " YES ''. 
Then asked me If I already solved the problem regarding my personal account. I choose " No, because the document I sent is still under review and I have to wait for 5 days. 
For this reason, Paypal limited my BUSINESS ACCOUNT without waiting for the result of my other account.

Paypal took 3 weeks to restore my PAYPAL PERSONAL ACCOUNT.

So I think that it was a mistake on Paypal 's part not to wait for the results of my other account before they limit my BUSINESS ACCOUNT. 
Hoping for that kind consideration to remove the permanently limit on my BUSINESS ACCOUNT because I use it always on my online transactions and this is where my boss sends the money from my weekly work. Thanks!

Company response to consumer: Closed with explanation