BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: CA
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/XXXX I mailed certified letters to all three credit reporting agencies explaining I was a victim of identity theft. The package included a copy of my Identity Theft Report and proof of my identity, a copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information, Identity Theft Affidavit # XXXX, Drivers license, Credit report with disputed information indicated, Notice To Furnishers Of Information and Police Report. 

The information reported by XXXXXXXX XXXX in XXXX including late payments and any balances, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The accounts were closed with a XXXX balance and were never late. The account numbers being reported were issued after I had already closed the accounts on XX/XX/XXXX with a perfect credit history for all three and a XXXX balance for all three. My credit score went from a 780 to a 540. 
All three reporting agencies have responding saying they asked US Bank the Furnishers Of Information and XXXXXXXX XXXX  has told them the information is correct. I must request this false information be re-investigated and that they block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 my bank account balance with PNC Bank was XXXX. On XXXX/XXXX/2015 the bank charged a {$36.00} overdraft fee with no other posted transactions. 
XXXXXXXXThus, leaving me with XXXX dollars in the bank. On XXXX/XXXX/2015 I had XXXX deposits come in and a bill pay go out. I called the bank of PNC to report my account was in the positive when they charged an overdraft fee and after the fee, my account was still in the positive. 

I spoke to the bank employees and I was told they process bills before deposits, thus putting my account on XXXX in the negative forcing it to go into the negative so they can collect a fee. I told them all the transactions ( as you can see in the screen shot ) are pending as they are posting as of today, and my account was still in the positive and no reason to charge a fee. They refused to return the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used Cash App to transfer {$250.00} to another individual. The {$250.00} was debited from my bank account but he has been unable to access it so it remains in limbo. He can't get access to his Cash App account because access requires providing the number of the debit card that was used to open the account. The debit card he used was replaced some time ago and there is no way to know the number on it. Every time he has tried to access his account the process has ended with this question about the debit card number. He has contacted Cash App support and answered all the questions asked but the support bot can not help him. We have been asking for help for two weeks but it is impossible to get the attention of a person. When I submitted as support request, the bot told me to have the recipient contact support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: TN
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 have recently paid down several accounts of debt, substantially. My credit score was increasing daily. XXXX XXXX alerted me of a change. Upon checking into I see that XXXX has increased my score while Equifax has dumped my score by 25 points for PAYING DOWN MONIES. This is not the first time I have had this issue with Equifax. I do believe that this is unjust and I feel that they are specifically targeting my account as this seems to be normal practice for them. I would like a full explanation. I would also like my credit score to be increased, as it should be. I am concerned for other consumers who are being taken advantage in this manner. Why would a score decrease when a consumer is in good standing and is PAYING OFF DEBT?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: DISCOVER BANK
State: CT
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:
Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that the data furnisher ( Discover Bank ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a collection with Equifax. The collection is a medical debt that ( 1 ) my insurance company has processed and authorized payment, ( 2 ) my insurance company has instructed me that under my contract I may not pay a collector, ( 3 ) is delayed because the state of Illinois has not established a budget and authorized a payments ( even though I have paid {$1400.00} for coverage every month ). The resolution was not in my favor, did not allow me to leave a statement to accompany the item, and ( most importantly ) gave me no explanation as to the basis for their conclusions ( which prevents me from adequately defending myself and protecting my credit score. ) I have dialed several customer service numbers, and get automated responses. In addition, to enter the dispute I was forced to agree to their terms that required me to agree to electronic communication only. I want to speak to a person at Equifax. If they are going to sell my information, I should have the right to speak to a person and get an explanation. My credit score was XXXX and has dropped under XXXX as a result of this collection on my credit report, resulting in significant economic loss to me. Equifax has made fairly resolving this dispute timely, difficult and confusing. I hope that the CFPB can help me clarify my rights, Equifax 's responsiblities and use this case and others like it to improve the laws to protect people from these barriers to fair treatment created by large companies in the financial industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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:
Im submitting a complaint to you today to inform you 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/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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, CHILD SUPPORT ENFORCEM XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My children and I are victims of identity theft Bank of America is fraudulently taking my home I was made aware by a big orange sticker on my door I immediately went to the bank sat there for hours with the manager who then seen my name was forged he immediately filed his a fraud claim for identity theft and gave me a copy of the mortgage papers but would not give me a copy of the loan number then Bank of America made me sign and affidavit of innocent and the investigation began at first they were evasive and then when I finally got someone I was told it was the employees that work there even the Notary allowed the fraud to occur I did not give anyone permission to forge my name nor was I ever aware of this whole fraudulent loan and now the bank will not help me prosecute the people who did this What they will down is put me and my children on the streets I dont know what to do I need help please

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 2016-02-08
Company: Seterus, Inc.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had previously filed XXXX complaints against Seterus - XXXX and XXXX regarding unethical and illegal practices. After filing the last compliant, I sought assistance from an HUD approved agency, Washington XXXX XXXX for foreclosure prevention. We completed and submitted a complete package to Seterus. Seterus responded with a letter ( attached ) dated XXXX XXXX, XXXX with a payment agreement. The first payment of {$1300.00} was due on XXXX XXXX, XXXX. On that date, I called to make the payment and was informed the letter was sent by mistake and I had to pay {$3900.00} to keep from moving the foreclosure ( letter attached ). Because I have a lot of equity in my home, it would be an accelerated foreclosure. The least amount I could pay to prevent this was {$3900.00} on that day before going into a new month. Under this threat and pressure, I authorized the payment for that huge amount and then borrowed to cover the funds. Acknowledgement of payment on XXXX/XXXX/XXXX is attached. However, on XXXX XXXX, XXXX, I received a demand letter of foreclosure due in less than 30 days on XXXX XXXX, XXXX ( attached ). I have sent numerous complete packages to Seterus and after I submit a complaint for non-response to my request, they say something is not complete. Problems have been going on since my account has been with Seterus such as saying I had declared bankruptcy ( which I never have ) saying I was in foreclosure ( when the account was current ) increasing monthly payments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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: Investigation took more than 30 days

Complaint:
I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus XXXX, Transunion and XXXX. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20 I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.

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 2017-02-06
Company: BB&T CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at BB & T in XXXX SC in XXXX. The terms of the account were no maintenance fees and I would receive paper bank statements. Within a short time ( about 4 months ) the bank changed the terms so that to avoid a maintenance fee I could not receive paper statements. So I continued with electronic statements only. In XXXX XXXX and XXXX XXXX the bank withdrew from my account a maintenance fee of {$12.00} per month. I called customer service and reported that I had an account that was not subject to a maintenance fee. The csr told me that the account I had was no longer available and so I changed to another account which did not have a fee as long as I had a personal mortgage account with the bank. I have XXXX personal mortgage accounts which originated in XXXX. The bank did not refund the {$12.00} for two months in XXXX. Then in XXXX XXXX the bank again charged a maintenance fee of {$10.00} per month. I called customer service and the csr refunded the fee. She said that the bank had decided not to waive the fee for mortgage holders effective sometime in XXXX and that I would receive written notice of that effect. The bank again deducted a maintenance fee of {$10.00} each month in XXXX XXXX and in XXXX XXXX. After each deduction I called customer service, and after spending about an hour each time the csr refunded the fee. In XXXX the csr that I talked with told me that the bank had a limit of {$35.00} that could be refunded in a year. After that conversation I received a voice mail from a bank csr stating that the bank had sent me a notice in XXXX XXXX that the mortgages would not longer be accepted as an exemption from a maintenance fee on my checking account after XXXX XXXX, XXXX. I have never received any notice from the bank indicating that the terms of my checking account had changed or that my checking account had been discontinued. The bank does not send notices to me in the mail. It posts notices online to my accounts, but never any changes to my checking account. I believe the bank is guilty of fraudulent practices designed to entice customers to open checking accounts there with terms that are quickly changed in order to extract maintenance fees. I have statements for my account ending in XXXX, but they contain the full account number so I am not attaching them.

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 2015-10-27
Company: DISCOVER BANK
State: DE
Product: Credit card
Issue: Billing statement

Complaint:
I requested Discover Card for a Statement in XXXX ( statements sent for people who XXXX ). I thought the American Disabilities Act ( ADA ) required accommodations for the XXXX, but Discover sent me the below response to the request : '' Re : Other Billing Questions [ # XXXX ] " Hello XXXX, Thank you for your message regarding your Discover account. I understand your inquiry for XXXX statements, and I am happy to provide you with additional information today! 

I sincerely apologize as this is not a type of statement that is currently available. We do want to improve and are always looking to do so. Because of this, I will forward your interest in a XXXX statement as feedback to our headquarters that having statements like these available would be helpful. 
Please let me know if you have any additional questions or concerns about your account. 
I appreciate your valued business and the time you have taken to contact me today. Thank you for choosing to use Discover since XX/XX/XXXX! 
Sincerely, XXXXWe appreciate your feedback. Please Click Here to complete a short survey on your customer service experience today. 
DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective XXXX-party owners. 

-- -- -- - Original Message -- -- -- -- Date : XX/XX/XXXX XXXX PMSubject : Re : Other Billing Questions [ # XXXX ] From : XXXXXXXXDate : XX/XX/XXXX XXXX XXXXTo : XXXXXXXXSubject : Other Billing QuestionsFor other Billing and Statements questions, please use the space below : please send me my statements in XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have XXXX checking accounts with Wells Fargo. Apparently they have been charging a fee every month to XXXX account because I failed to meet XXXX of the XXXX requirements -- that my account is linked to XXXX other WF products or services. I would have met the requirement except that my credit card was nominally linked to a second checkings account for which I already did n't have to pay fees. 

I finally noticed this and called Wells to report the issue that had been going on for a year. They admitted that it was a mistake on their part and agreed to refund 70 % of the fees. However, they would only do this for the previous three months ' fees because " the tool for refunding only lets them go back 120 days. '' This does not seem like an acceptable reason for failing to compensate customers for their mistake : if they err and take {$120.00} from me then I should be entitled to all of it back without their own internal tools as barriers! If others have been experiencing the same problem of WF only refunding mistakes through 120 days prior, then I imagine this could be a case of serious aggregate consumer harm.

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 2020-12-28
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 a certified verification letter was sent to NCB management services incorporated. Per tracking details it shows they received the certified letter on XX/XX/2020, and as of today XX/XX/2020 I have yet to receive any information regarding The validation of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Resurgent Capital Services L.P.
State: MO
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:
This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with a bank where I was experiences mistakes in handling of my escroe things. I have filed a complaint here about that and the bank just continued it until it was closed with no resolution. I found a bank that would refi, did so and did much better however again with escroe- the old bank after being paid in full, notated account paid in full, XXXX balance for almost 2 weeks responded to my inquiry about returning to me my escroe balance which was XXXX, sent me a confirmation message that the XXXX would be sent in 15 days. So I waited and when not receiving it I contacted them again. This time they balance had changed and they show a lesser amount being sent to me while maintaining XXXX dollars on the account which is still open. I inquired about why they kept the XXXX and they say for the PMI which was paid in arrears. I have batted this back and forth with messages to them which is no different than I had to do when they made mistakes in my escroe before. They tell me I owe XXXX for a PMI payment although the last PMI payment was posted XXXX the pay off XXXX showing all was paid the account shows paid in full in capital letter and XXXX balance. Yet with nothing showing to be owed on the account they kept XXXX and by the way XXXX was the PMI payment not XXXX. The PMI does not renew until XXXX and is paid yearly not monthly so I do not understand how they can charge me anything when the account clearly shows paid in full, XXXX balance and that my PMI posted in XXXX was paid in the settlement. Even today this morning of XXXX/XXXX/2016 there is a credit escroe balance of what they kept, the account does not appear closed yet shows paid in full with this credit. You can tell me I owe something until the cows come home but if the account shows paid in full XXXX balance how can you keep any of my funds? This is just one of many problems I have had with Wells Fargo Mortgage. Its just not right and they should not be allowed to just do things with peoples money especially when their own records indicate no evidence for their actions. I have refinanced with another company and was treated much better but its not fair to take someones money without being able to show you owe it.

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