BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I was scammed by a person named XXXX XXXX at XXXX. I was under extreme distress when he called and fell into his trap.He told me that he was from social security and that my card was used in human trafficking and the selling of drugs. He kept telling me not to hang up or that I would be arrested. My daughter has XXXX XXXX so I was afraid that this would happen. He told me to tell my bank that the money was being sent for remodeling. Yes, my bank did tell me that if I agree to send it they can not get it back. Nevertheless I agreed to send it. The banks name was Truist bank bank id # XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
The recipient name is XXXX XXXX XXXX Account number XXXX located at XXXX XXXX, XXXX Ga XXXX I called XXXX  XXXX XXXX to report the scam on the same day I authorized the wire transfer and told them to hold the money and to contact Truist immediately to tell them to send the funds back. I gave Truist the FTC # XXXX, the police report and I filed an IC3. The amount was huge. Truist will not send back my money. How do I get my money back? I did everything right. In fact Truist from XXXX called me to tell me to contact my bank. I did that and was told that funds were put on hold. Later I learned that my private information was hacked at work, possible connection? I just want my money back

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 2016-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Our house went up in smoke in XXXX 2009, after a year and a half, we put the property up for sale with a signed contract with a Realtor. The balance was suppose to be paid off with the Insurance money put into a separate account. The mortgage Company XXXX refused to move it to the payoff, because the left hand knew nothing about the right hand. It put us in a negative for 3 consecutive months, after several calls to the Insurance Department and doing exactly as they asked us to do after each and every call. They found the error and corrected it, and apologized for their mistake. They also charged us {$30.00} for each and every time the Title Company called for a payoff balance. 8 months later we were notified that the original mortgagor GMAC XXXX filed for Chapter XXXX. When the new mortgagor took over XXXX XXXX XXXX, they only had the paperwork for the loan which reflected only the 90 days late and nothing else. We keep disputing it and get nowhere. This also reflects a 30 day late with our Equity line of credit XXXX. We wanted a 30 day close on the property but because of the mishap with XXXX it reflects XXXX. We want it changed on our Credit Reports is all. We are not asking for it to be removed just changed to reflect a positive, because we were on time each and every month for the 32 years we had the loan with XXXX while they were our XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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 XXXX Account # XXXX, has violated my right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft.. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report 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 non-monetary relief
Consumer complaint received 2019-12-28
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Contacted company about 4 months ago to ask for debt validation proof. They then sent me letter recently of a computer print out stating i supposedly owe the debt of XXXX $ but can not prove its mine. On the letter they stated they would no longer contact me. Its still on my credit report. I have uploaded picture of letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was able ( on line ) to get a freeze on XXXX and XXXX. ( in minutes for free ) When I filled in the information on Experian they said they could not take my information on line and that I had to mail the documents. They are making this difficult- I do not want to mail any requested information- they also charge a fee of {$5.00} where XXXX and XXXX do 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 2016-11-10
Company: BONDED ADJUSTMENT COMPANY
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I fulfilled our XXXX contract with storage company and we gave him his 30 day notice per contract. The owner harassed us our entire contract because I stored a atv along side my boat and he wanted extra money for same space. A storage unit is just that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-07-25
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( 1 ) I did not feel comfortable with XXXX using my ( minor ) daughters name on the call. He said, well wasnt the account for her? 

( 2 ) The charges happened during the State of emergency when the entire State of California was on lock down causing school and business closures ; only essential businesses were opened ; Per the State of California all businesses were closed that were not considered essential businesses Covid 19 XXXX  : XXXX ( 3 ) I continued to pay XXXX XXXX XXXX on time during the entire lockdown until my debit card was compromised and replaced by my banking institution XX/XX/2020 even though they were closed. 

( 4 ) My daughter was not using the equipment ( it was still in good condition once I returned it ) because her school was closed and due to the entire state being shut down until further notice, I wasnt sure how to resolve things since I did not received NO communication from XXXX XXXX XXXX  until the payment was needed in XX/XX/2020. 

( 5 ) XXXX XXXX XXXX have no records of me communicating with them and/or made no effort to communicate with me. 

( 6 ) When I finally got tired of disputing being reported to the credit bureaus after continuously escalating the call with corporate, I returned the equipment, updated my billing address and asked for an itemized statement of the charges from the store who referred me back to corporate. They never resolve the dispute and sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I went to the US Bank on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. XXXX XXXX was the teller that I spoke to. She was very courteous and professional. The problem is I presented a check drawn on US Bank, made out to my business, with a signature guarantee from XXXX XXXX, and she refused to cash the check or make it into a cashier 's check. I have done this without a problem before. She was nice enough to call a supervisor but the refused to cash the check as well. XXXX did mention that the " in store '' locations have different rules than the " main branches '' and to try again tomorrow at a different US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Bridgecrest Acceptance Corporation
State: IL
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:
You have clearly ignored my last complaint. I am asking for your company 's policy and procedures to ensure you following FEDERAL LAW. This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get call all the time for a XXXX XXXX, I have told them that the number they have wrong and they are calling a business. I have received these message for years and asked them repeatedly not to call. They are Northwest Collectors @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was not allowed to purchase a XXXX at my bank, with no valid explanation, and treated with disrespect and sarcasm.

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 2022-07-25
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On Monday XX/XX/2022 I reached out to Mariner Finance to negotiate debt settlement and ask questions in regards to how I can better my credit score. When talking to the rep she was very aggressive and started blaming me for not paying my bill and then started to scold me on the very matter. I said hey looked I am XXXX and have reasonable justification to why I needed to negotiate the debt owed as well as negotiate negative annotations on my report. The rep then said 'oh just because you are XXXX that means you can not pay up '. This is a direct violation in accordance with the American with XXXX act and due the exacerbation and harassment on my condition by the company 's representative. I had to end the call abruptly because of the negative toxic treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfoilio Recovery bought this debt from XXXX XXXX XXXX for {$8000.00}, back in XX/XX/XXXX. Portfolio Recovery charged-off this debt in XX/XX/XXXX. However, they have continued to report this debt as a new debt on mine and my husband 's reports every time we have disputed the incorrect information with the credit reporting agencies. The dates that they have reported this charge-off as a new collection are, XX/XX/XXXX, XX/XX/XXXX, and recently XX/XX/XXXX. If they continue with this reassignment of a current date, this account would stay on our reports indefinitely. 

Portfollio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Mr. Cooper Group Inc.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Attorney for my mortgage company ( XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, XXXX XXXX ) failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated in an email, the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated in an email, the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I went to a chase bank ATM branch I deposited over XXXX $ I got a receipt from the ATM for deposit confirmation but the money didnt show up in my account I called the bank claim department they told me that they didnt find the money I gave them a proof of that they money has been deposited in the ATM but the money is not in my account they refuse to credit the fund in my account after showing them the receipt. Im asking a trial against the bank to get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19
Company: Experian Information Solutions 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:
all ftc violations reported : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice $ XXXX {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The above company LVNV Funding , LLC they are trying to collect a debt and are not licensed nor bonded in my state according to state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2014 I lost my job and am now in a new job making {$XXXX} less per year. My wife and I have struggled to adjust our budget accordingly. I have been faithful in paying my mortgage every month. We are now looking for relief from a payment of {$1200.00} per month based on a salary that was {$XXXX} per year greater.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a series of complaint against Capital One selling me credit card protection insurance and not providing services. We have not arrived at a settlement. 
XXXX XXXX XXXX completed about 7 weeks of research in my case and piggy back on XXXX XXXX XXXX work that I was notified in my bill about steps to take to filed for insurance protection -- See their CFPB response letters and bills attached. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Per XXXX XXXX XXXX : " Additionally, you have concerns about not being informed of Payment Protection services on your account when you were unemployed. Please understand, we advise our customers on their monthly billing statements, when delinquent in their payments, that they may be eligible for benefits to be paid to their account per the terms of their Payment Protection agreement and include the contact information to investigate benefit availability. Our records indicate we advised you on your statements of this information, which are enclosed for your reference.. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT WILL BE INTERESTING HOW THIS PARAGRAPH WILL BE EXPLAINED IN COURT WHEN THE EVIDENCED IS INTRODUCED. CANT HAVE IT BOTH WAYS. 

Their own evidence indicated that their are providing false information. Please see their bills that they have attached as a response to a CFPB complaint. They made no mention of the insurance program. They just wanted to be aggressive in collecting due amount instead of notifying me that arrangement can be made through the insurance. 

Thus, again this is part of my proof that Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. Capital One made monetary restitution. The representatives were more interested in hounding for payment instead of applying the protection benefits. 

I am determined to exposed the fraud that was committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: PA
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 observe some inaccuracies reporting on my credit report. Please correct all of the accounts that follow. Please see the following accounts/items and update accordingly. If not I will have to file complaints to the Federal Trade Commission and the Department of Justice. 

Account name : NEW XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Cell Phone I am requesting that all errors in the item be deleted and correct the information. I am under a lot of stress knowing these inaccuracies will affect my future loans.Please mail a full copy of my credit report to me 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  FL 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. XXXXGeorgia XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX

Company response to consumer: Closed with explanation