BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TN
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 used improper network and data security practices that resulted in my personal data being leaked to individuals of ill intent. I should be able to trust a credit reporting agency to take appropriate security measures to avoid compromising the identities and personal financial security of it 's customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted an application to Texas Homeowners Assistance Fund with Texas Department of Housing and Community Affairs on XX/XX/XXXX. My completed application has been reviewed and approved to receive financial assistance for my past due mortgage balance with PNC Bank. I have submitted all required Release of Information and Authorization of my account information to PNC Bank for Tx HAF ( Homeowners Assistance Fund ) and TDCHA ( Texas Department of Housing and Community Affairs ) to communicate about my mortgage loan. On XX/XX/XXXX Texas Homeowners Assistance Fund emailed a validation request in an effort to verify my loan to pay off the past due balance on the account. Texas HAF received the document XX/XX/XXXX with the incorrect borrower information on the request form. I have contacted PNC Bank several times weekly via telephone and email in an effort to get the correct information updated on the validation request and submitted to Tx HAF. I contacted representatives with PNC Mortgage XXXXoss Mitigation and Customer Service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX with no updates in regards to the validation request or the status of the document. My caseworker with Tx HAF has also attempted contact with PNC directly XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX without success. 

It is imperative that I am able to get this issue resolved in an effort to receive payment for the past due balance on my mortgage loan and avoid any foreclosure proceedings on my home. Communication with PNC Bank has been extremely onerous and the service I have been receiving as a borrower is subpar to say the least. PNC Bank has not demonstrated any effort or willingness to comply with requests made by myself or representatives from Texas Department of Housing and Community Affairs. It is unacceptable that the incorrect information was submitted on my behalf, and the delay and lack of earnestness it is taking to rectify the situation by completing the validation request with my correct information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I recently became aware that my father was the victim of an online dating scam. We have so far uncovered {$60000.00} in losses, and Im sure there will be more discovered as we dig further. He was using Money Grams to send cash, and the vast majority of these were purchased at the same XXXX in Ohio. He was sometimes sending multiple money grams in the same day, and he would also send them several days in a row. I find it hard to believe that none of the employees recognized this pattern or thought it was odd behavior, yet it continued to happen for a year. In fact, he was in the store so often that he knows the employees by name. I currently have 138 receipts, totaling {$59000.00} and counting - way too many to attach here. And a bigger concern for me is this who knows who he was truly sending money to? These people claim to be young women on a dating site, but no one can know for sure. Was this money going to a XXXX scammer or to someone much worse? This is terrifying to think about. While it makes me sick to think about how someone took advantage of my father in this way, I also want to take whatever steps I can to ensure this doesnt happen to someone else. Are there steps in place to educate these employees on what to look for? How can they intervene? Can they notify authorities of unusual behavior? They should have to take some sort of responsibility as well. Scammers are becoming more advanced, and there need to be some safeguards in place to protect those that are getting taken advantage of. In my opinion, the employees that were sending these 130+ money grams need to be one line of defense. I appreciate your time, and I sincerely hope you can look into this matter further and stop this from happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: PHH Mortgage Services Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PHH mortgage knowingly and willfully closed on a loan involving the wrong amount of money and owes me {$2000.00}. At the time they closed on the loan they knew their numbers were wrong and failed to correct them and reimburse me the correct amount of money. Thus I believe this also constitutes criminal financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XXXX XXXX, 2013, I checked my accounts with Bank of America like I have done every morning. I had a joint checking acct with my son who was in college in XXXX at the time. The normal acct balance has always been low, since I was only able to afford to send him low amounts of money at a time. This morning when I checked the account, the balance was - {$880000.00}. I was shocked. I checked the transactions and they claimed that {$1500.00} was deposited early that morning, but they were a bunch of deductions taken. There was also a purchase of items over {$600.00} at a Rite Aid. All this happened in New York between the hours of XXXX - XXXX. I live in XXXX  and my son attends school in XXXX. I called BOA immediately to report there was some fraud going on. They took my information and I asked them to check the ATM to see who the person was that made the deposit and withdrawals. They deposited fake Money order and took out real money. I do n't know how they were able to do this. I had n't even has so much as a bounced check with them. I found that it was fraud through my son. They first cleaned out my checking and savings accounts and left me {$20.00}. I called and asked why did they take my money when I was the one who called and reported it. They told me " well as least we left you {$20.00} for gas. '' I was shocked they did that so fast without even investigating. Well, shortly after I completed all the necessary paperwork, they quickly send me a letter saying they did not believe that we did n't have anything to do with this. I thought the fraud department was suppose to investigate this. They place this on my record with XXXX XXXX even though I had absolutely nothing to do with this. I am unable to open an account now, and I am being treated like I committed a crime. I am currently looking for my documents. To show my complaint.

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 2019-10-21
Company: EAST WEST BANK
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 XXXX XXXX at East West bank in XXXX XXXX XXXX transferred {$50000.00} to my XXXX XXXX trust account ending in XXXX. I have a federal referance number XXXX. A trace was attempted, it's been nearly 3 weeks since it was made, both banks are blaming each other for the missing wire and neither bank is acting accountable or saying if or when the money will be returned, meanwhile I have no money or way to retrieve 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
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2017-08-19
Company: Experian Information Solutions Inc.
State: NM
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:
Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX IXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX 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 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 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/2022 my Bank of America credit card was charged for {$1200.00} for a company called XXXX XXXX XXXX, XXXX in XXXX XXXX, WA. I did not approve this charge. I didn't even know what they were until I contacted the company. They had no idea what I was referring to as they are a holding company and do not deal in any credit card transactions. XXXX the person I spoke to looked into their financial records and could not find that amount or my name associated with any of their records. I contacted Bank of America and tried to have this charged reversed THREE times with the last attempt on XX/XX/XXXX when I spoke to a fraud supervisor in Texas named XXXX. He said I would be receiving letter by email and regular XXXX mail re-opening my claim with the # XXXX. The first two fraud claims I opened, I received a letter stating that the merchant provided them with documentation confirming that I received the merchandise or service. Each time I asked them for their " proof '' they said they couldn't give it to me. I have spent hours upon hours trying to resolve this situation and continue to get the runaround. They have returned the charge to my account and expect me to pay it. I will not. Any assistance in this matter would be helpful.

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 2017-07-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My sons attend college in another city and their mother and I pay their rent by making deposits into their checking account, which they then use to pay their rent. Their bank is Wells Fargo, and the last time I went to deposit a personal check into their account the Teller informed me that I needed to have my son endorse the back of the check. It 's only been one Wells Fargo location that has this endorsement requirement. Through persistence, the Teller agreed to deposit my personal check into my son 's checking account. I called that location to validate and clarify for future reference and they informed me that Wells Fargo is now requiring the back of the check be endorsed by my son. The amount of the check is {$700.00} and is drawn on a local bank. This method has worked well for the past 2 1/2 years. I can search for alternate means of depositing money into their account, but my depositing a personal check into their account has many advantages for me. My questions are what prompted this change or tightening of endorsement requirements and does this violate any banking regulations?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, XXXX, XXXX, XXXX as well as XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I have tried accessing my account online to make a payment, only to be told I can not access my account due to a system update.

Im unable to check my balance, make a payment, check my card for fraudulent purchases, or cancel my card. 
Now the website suggests XXXX, which does not work. Ive tried to enter multiple times and the page never loads and then says it can not be accessed at this time. 
If I call, it says it will connect me to an agent and then the call disconnects. Ive tried all the company suggestions multiple times and nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I enrolled in a Debt settlement Program Called XXXX XXXX XXXX located in XXXX California and they Transfer all the Obligation to Global Client Solution LLC located in Oklahoma the Global Client solution are the one who process the payments and charges fee. the Global Client solution has contracted the XXXX XXXX XXXX to settle the debt. but they failed to settle 8 Credit card they only settle 4 of it. out of 36 months contract which I paid {$350.00} monthly started to be withdrawn from my bank since XXXX XXXX, I completed the payment of 36 months which I fulfilled the obligation on XXXX XXXX because of their upfront fees and excessive fee my funds was shorted so they can't settle my 4 other debts I paid a total amount of {$12000.00} which came from my husband 's XXXX payment from His Military service now they want me to continue to pay so they can settle the 4 other debt which is out of the agreed contract they took almost {$6000.00} just a fee now I don't know what to do I don't have Job to pay them which they demand an extension they are the one who failed to settle the debt in timely manner my job is to fulfill a contract to pay them I can't give them any more money out of my pocket so they can settle the rest of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I obtained an {$800.00} XXXX XXXX XXXX  loan from Spotloan in XXXX of XXXX. The terms of the loan were ; I was to pay {$140.00} bi-weekly for 10 months, and payments were automatically drafted from my checking account. However, I'm still being charged. I contacted the company and asked why? I was told I missed a payment and it extended my loan until XXXX of XXXX. I was also told they " tried '' to contact me, but couldn't. Yet I did speak with a representative who informed me I could refinance and borrow more money, which I declined. I authorized a payment be drafted from my bank account and believed I was current. I was not, and they have been charging me interest daily. My current balance is {$640.00} after paying {$280.00} for 11 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXt the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A. 

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 

Account # Vendor Amount XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-08-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Multiple times I 've had my own identity stolen by my own sister and it 's easy for her to do bc she looks similar to me, she 's 5 years older, she lives close, knows everything about me, she went to school for an account, knew in her earlier high school years how to get illegal ssi numbers. Do n't know what she would want with that. So she 's opened credit cards with my social, drained empty multiple bank and checking accounts from 3 different branches, stole my inheritance from both my XXXX parents and signed the checks, claimed me as her adult adopted XXXX child on her taxes, I have to go to court in to weeks for a credit card she opened under my name, she does my taxes every year so I have to sit at the IRS, she 's stolen around 300 grand just from bank accounts alone. I 'm sick of this. She stole my moms XXXX XXXX XXXX, my XXXX XXXX with XXXX, tried to get me to buy her XXXXXXXX XXXX. She tells me how to make XXXX. Called me one day telling me there r bugs crawling down her walls and her body. She 's the governments biggest issue, I 've complained so many times but no one seems to care. It seems like they would rather be out doing stops for XXXX and speeding 5  miles over the speed limit than the serious issues we have to address. This has been going on big time since XX/XX/XXXX, the looking up socials was I believe XX/XX/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 2017-08-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
HI, I 'M FROM XXXX XXXX, I OPENED AN ACCOUNT IN COINBASE, WHEN I WAS TRYING TO VERIFY MY ACCOUNT THEY BLOCKED MY ACCOUNT AND I HAVE ABOUT 60 $ IN THERE, I TRIED TO GET AN ANSWER FROM THEN BUT I DID NOT RECIEVED ANY ANSWER, I HAVE SEVERAL DAYS WITH THESE PROBLEM AND I NEED AN ANSWER, IM DESESPERATE, PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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 was contacted by XXXX mail onXX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XX/XX/XXXX, then my father ( XXXX XXXX ) passed away in XX/XX/XXXX, and my mother ( XXXX XXXX ) passed away in XX/XX/XXXX( three months 2017 apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their funeral and I still have to get a head stone for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. One Main Financial is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) death certificate and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is One Main XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers death certificate ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this One Main loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX XXXX. Also can you please have them stop reporting also until this investigation is resolved?

Company response to consumer: Closed with explanation