BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-02
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Amex Serve closed my prepaid account and emailed me that I violated section 12d and 15d of the card holder agreement. They wouldn't take my calls, just closed my account. 

I didn't do anything. You can't do much with a prepaid card and we had the account for over 5 years. 

Please investigate. We were already in the process of closing our account because we were very limited with Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A couple months ago XXXX XXXX contacted me regarding an account that was not mine that had a balance of {$2100.00} that was late. I told them that the email XXXX that is attached to that account is not mine and never has been. I immediately contacted XXXX and told them that the account was fraudulent. The person is using my name and an old address. They asked if I was selling lotions on XXXX   and I said no. I have one XXXX  account that I use and it's not the one they were claiming was mine. They said they would look into it. I never heard back from them. Today I received another call from XXXX XXXX for the same account and amount. I again told them this is fraudulent and then emailed XXXX about the issue so I would have written documentation of the issue at hand. I finally got XXXX 's attention on the matter because I reported them to the XXXX and sent in my police report. XXXX ( from XXXX ) called from XXXX, NE XXXX and said that they investigated and the account was stolen with identity theft in 2015 and that it was not my responsibility. XXXX XXXX  just sent me a letter saying that they completed their investigation and that the debt is valid even though XXXX says it's not.

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 2020-02-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian said in its response in file # XXXX, that I did not provide a specific Item that I wanted deleted, That is NOT True. 

If you look at the attachments that I sent with my first complaint File # XXXX. 

I was very clear that I ask for a METHOD OF VERIFICATION as it related to a Item in my Public Record, Experian is not being honest about what I requested. 

This has been going on since XX/XX/2019 and they have not provided me with the METHOD OF VERIFICATION as to date.

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

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 2017-08-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Filed a investigation with trans-union in XXXX 2017. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XX/XX/XXXX, then updated in XX/XX/XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a HELOC with Huntington Bank that was refinanced to a 30 year mortgage with XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). I closed on the new mortgage on XX/XX/2022. As part of the closing process, XXXX requested a payoff quote from Huntington. Huntington responded with a payoff amount and per diem fee. A check for the payoff amount and per diem fees was sent via USPS overnight to Huntington bank. Huntington Bank received the check on XX/XX/2022, but did not credit the HELOC account until XX/XX/2022. Huntington Bank is now attempting to charge me additional interest. I have provided the proof of delivery to them, which is the receipt and tracking number from USPS proving that Huntington received the check on XX/XX/2022. On XX/XX/2022, I attempted to resolve this matter with Huntington Bank and went over their quoted numbers and dates with the representatives. I ended up talking to XXXX XXXX who, after going over the documents with me, promised to get back to me yesterday. I did not hear from her. The additional interest charges still appear on the account this morning. It appears that Huntington Bank is going to ignore me and attempt to force me to pay additional monies to an account that was paid in full with the amount they quoted to me and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Account Ending : XXXX According to a rep in Discover Bank security dept/fraud by the name of Sunny, an amount of {$140.00} was sent to XXXX XXXX as part of a fraud claim. This amount was sent to XXXX XXXX and not myself I believe in error, attempted to obtain check number and or image of check, unable to do so. Further, I attempted to clarify account balance which showed overdrawn according to previous reps in the amount of $ XXXX, it now shows overdrawn in amount of $ XXXX according to Discover letter dated XX/XX/XXXX. It appears Discover made an error in calculating closing balance, it was not overdrawn prior to closing. The amount of {$140.00} is part of a fraud claim made in the amount of {$690.00}, prior complaint made in re, unresolved to date. This amount was also supposedly sent to XXXX XXXX, whom is unable to locate as far as I know. I've attached both letters showing different closing balances for reference. As for current overdrawn amount of $ XXXX, please advise Discover this appears to be an error and will not pay it, if sent to collections agency, they will be advised of account balance before closing and various different amounts thereafter which do not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Filed a investigation with XXXX in XX/XX/XXXX. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XXXX, then updated in XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: OH
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 an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Nelnet, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I did not live at the following addresses and they are reporting on my credit files : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.

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 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This time last year I was a victim of fraud or a scam through XXXX, Bank of America. I immediately called the fraud department and had them close my account but not before {$3500.00} was transferred to the individual and deposited in the bank in California. I called numerous times and spoke with at least 12 different people over the course of a couple of months period they finally told me there was nothing they could do because I authorise the transaction period I used my mobile phone and my laptop computer. I was trying to speak with who I thought was a representative of XXXX, who I later found out this was a scam Internet site. I stayed on the phone for quite a while speaking with this person but I still did not give out any personal information. I thought the person I was talking to was legitimate at the time. 
After many many attempts to get this resolved through Bank Of America I was finally informed by letter that there was nothing they could do because I used my cell phone. I have been a customer since XX/XX/XXXXand I was shocked at the response and indifference. Apparently they closed the case and I am without my funds.

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 2022-07-20
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to wire {$20000.00} to the XXXX through my bank, XXXXXXXX XXXX in XXXX, Illinois. And now my understanding is the money was sent to Citibank XXXX before getting sent to XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX. The first wire transfer happened on XX/XX/2022, but the problem was both my name, the sender and the recipient 's name, my sister were misspelled, so the money was returned to citibank XXXX on XX/XX/2022. Multiple service emails were sent by my bank to correct the names and re-send the money. Citibank never reply to any emails from my bank. Then the money was wired again by them on XX/XX/2022 with the same misspelled names, so it was returned again on XX/XX/2022. Currently, I am working with XXXX XXXX  on trying to retrieve the money back, but they are still not responding to my bank. I tried to call Citibank on XX/XX/2022 but I was never entertained because " I don't have an account with them '' per call agent. All I am asking for is a response from them, to know where my money is and when can I get it back. This had caused me severe XXXX, huge delay on building our house, and put me on big financial difficulties.

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 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter on XX/XX/XXXX from XXXX mortgage stating there was a lapse in home insurance from XX/XX/XXXX to XX/XX/XXXX and will be charged XXXX to cover that period. I spoke to them on the phone and the person agreed there was not a lapse. I uploaded to their site XXXX XXXX XXXX my insurance coverage information. On XX/XX/XXXX I received a letter stating I have an escrow shortage and they will deduct the amount due over 12 months. They are unreachable by phone. I have sent them a letter in writing to no avail.

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 2022-07-20
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification from XXXX that there was a collection on my account from Clark County Collection Services for XXXX XXXX XXXX XXXX in the amount of {$830.00}. I have never had a loan with the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : 01 XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : 12 XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: PA
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:
I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX for {$43.00}. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX XXXX and XXXX. Please remove all from 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, an authorization and documents to begin a short sale were faxed to Selene Finance. As of today XX/XX/2022, I am not able to speak with anyone at Selene Finance to obtain a short sale. I have even been hung up on. My home is in danger of being foreclosed on. Since this is an FHA loan the bank has to follow certain procedures, which they are not and are refusing to cooperate with me to obtain a short sale. I can not even speak with a manager when I call, which I have done numerous times. Please help me fix this situation. I have been denied speaking with the bank regarding my account on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: FC HoldCo LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1-Flagship XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX  XX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX  XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) XXXX XX/XX/XXXX. ( 11 ) Flagship XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX XX/XX/XXXX. ( 13 ) -XXXX XXXX XX/XX/XXXX. ( 14 ) -XXXX XXXX XX/XX/XXXX. ( 15 ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.

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