BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Any bank accounts opened after XXXX And XXXX, which closed my account and never cashed my {$1300.00} check I deposited mobile

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 2017-04-07
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe this debt and would like for it to come off all  XXXX  credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Homeowner Assistance Package ( loss mitigation ) submitted to Citimortgage, requesting forbearance. I am pending receipt of award letter from Social Security XXXX, which will enable to resume mortgage payments. Homeowner Assistance application was deemed complete on XXXX XXXX, 2016 ; however, suit was filed in XXXX County District Court on XXXX XXXX ( case # XXXX ) - AFTER the Assistance Application was already in underwriting review. 

I have attached a letter ( with attachments from Citimortgage ) that I faxed to the Citimortgage retained law firm, outlining the circumstances as well as the date of Assistance Application completion. Per the documentation from Citimortgage, all foreclosure activity was to cease after the assistance application is deemed complete. Nonetheless, foreclosure procedures were filed 14 days after the loss mitigation package was completed and forwarded to underwriting review. I believe this to be a case of " Dual Tracking '' and in violation of 12 CFR part 1024.41 ( c ). 

I have contacted the Citimortgage Homeowner Support Specialist assigned to my case regarding this foreclosure activity. On XXXX XXXX, I was informed that " there should be no foreclosure activity '' ( see attached email ). I then provided them the case number of the law suit. No other response was received from either Citimortgage or their attorney after informing them of this foreclosure activity.

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 2022-10-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I opened a savings account with Chase because I was starting a new job. I deposited my first paycheck of {$1700.00} on XX/XX/XXXX and I also transferred {$370.00} on XX/XX/XXXX from my XXXX to the same Chase savings account. 

My Chase Savings account was closed by Chase and I contacted their customer support. They told me that the check deposit was flag as fraudulent because they could not verify the maker of the check. They ask me to provide them a number that they can call to verify that my company was the maker of the check. I tried providing them a number, but they told me that number is not valid. They then told me to go to a local branch to get it resolved by showing them a copy of my paycheck. 

When I went to the local branch, I provided the agent with a copy of my paycheck and also a screen shot of my XXXX  to prove that it was my account. I thought the XXXX was verified but, I have not received the {$370.00} back. And again the agent told me that they need to have a number to call to verify the check. 

So then, I contacted my company 's payroll department and they told me that due to company policy, they do not allow external parties to contact them. However, they did provide me with official documentation to prove that they are the maker of the check. So I contacted Chase again, but they still telling me that I need to have a number that they can call or I have to go in to a local branch with someone from the company that can verify that they are the maker of the check...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was issued a California Prepaid Bank of America Debit Card to receive XXXX benefits. In order to transfer the money to my checking account I was required to set up an account on the website, however, the website continually generated an error message. 

Over the course of a week, I spent over 5 hours with customer service trying to resolve the issue. I was asked to clear cookies, try different browsers, different computers, and use alternative URLs. Nothing worked. During this experience, I was placed on lengthy holds multiple times and experience the line going dead. 

It was confirmed to me that the information I was entering was correct and that the error was with their website. Despite this I was continually told to enter the same information, each time locking me out of the website for 24 hours. Bank of America siad they'd call back, but couldn't find a time that worked with my work schedule and the matter is still unresolved.

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 2016-08-03
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of XXXX XXXX XXXX filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by Stillman, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. Stillman Law acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that Stillman entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called Stillman law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. Stillman in fact was overpaid and collected monies from my Michigan state income tax and my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened an XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I looked at several cards before applying, but decided that i wanted this card because of the welcome bonus of XXXX pts after XXXX in spending. Before applying, i specifically asked XXXX if i qualified for the bonus, and they told me yes, and restated the terms i described above. 
Today, i online chatted with them trying to see why i had n't received the bonus - they told me that i had a gold card that was closed in XX/XX/XXXX. I now see in the fine print that you can only receive this bonus if you have n't had the card before. My problem is that they specifically told me i qualified for the card even though i last had it years ago. 
I feel this is at least a bait n switch technique, and at worse - fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
ON XX/XX/XXXX WE CLOSED WITH XXXX XXXX THEN WE REFINANCED IN XX/XX/XXXX WE NEVER RECIEVED OUR TILA DOCUMENTS WE ALSO DIDNT RECIEVE OUR FINAL CLOSING DOCS 3 DAYS IN ADVANCE. 
A LAWFUL CONTRACT MUST HAVE FOUR PRESENT ITEMS 1 FULL DISCLOSURE 2. EQUAL COONSIDERATION ( THEY BROUGHT NOTHING OF VALUE TO THE TABLE. SO THEY HAD NOTHING TO LOOSE ). 
3.LAWFUL TERMS AND CONDITIONS ( THIS WAS BASED ON FRAUD ) 4.THE WET INK SIGNATURES OF BOTH PARTIES. MY NOTE ONLY HAS ONE SIGNATURE

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 2016-04-16
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have this item on my credit report reporting from Equifax through XXXX XXXX via XXXX. I have no knowledge of this collection item I donot and have not had an account with XXXX in the past. I requested proof that this account belonged to me on XXXX different occasions and none of Equifax 's response including how they determined the debt belonged to me. Their response is always the same Verified but never how they verified the debt.i asked them to verify that this item actually belonged to me along with how they determined that and that completely ignore my request. I am asking that they remove this item from my report as they have not provided me with proof of an investigation. That 's complaint number 1. Complaint number 2 is they have a address reporting on my credit report that never belonged to me upon their XXXX different investigations they said they were going to delete it but they never did. Complaint number 3 I previously had. A case open with the you ( cfpb ) case number XXXX the results needs with XXXX agreeing to delete the account from my credit report since then it 's been deleted from transunion and experian but Equifax refuses to delete. Even after sending them a copy of the letter it still comes back as verified. Equifax is causing me to have significant problems with obtaining new credit because of the innacuracies that they are reporting. I want them to delete these XXXX disputes from, XXXX XXXX XXXX, XXXX XXXX and the innacurate address listed as XXXX XXXX XXXX XXXX XXXX Pa XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updated credit report in XXXX unauthorized inquiries are being reported to my personal credit file. The 3 credit Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 credit Credit Reporting Agency has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued by this company in the state of Florida and according to XXXX consumer records, they are not licensed in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
see attachment because this complaint is not being sent in error, I have attached all documents request and these agencies are failing to comply with my request when I sent it by US Mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Both XXXX and Equifax have my current address listed at I place I have not lived at for over a year. I discovered this after being rejected for a credit card because they could not verify my address. I put in an online dispute form with Equifax & it says it will take a month to resolve, despite uploading a pay stub showing what my current address is. 
Also, why is XXXX allow to charge me {$10.00} to temporarily lift a credit freeze???? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
equifax has my credit report all wrong and is refusing to fix it. Listed in the potentially negative is XXXX accounts that were never paid late. The credit report actually shows paid as agreed but yet they have it listed in potentially negative part of my report. These accounts should be listed in the satisfactory part of my report. Having this incorrect information reporting like this affecting my credit score which in turn is making it difficult for me to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
About 1 year ago I when thru a XXXX many things were going bad with my kids XXXX, XXXX all kind of situations took me about 6 months to put myself back up and I try really hard to cut up on many thing that I left behind. 
the most important thing I ever have its my house I want to please have another chance on keep it I have a lot of documents that can prove my willingness on doing so but I also think that bank of America did not help me and because of that I felt for a scam witch I trust for this company they suppose to help me with my loan modification. 
please review my loan again, my house was in a loan review and little be after I was decline for any help they foreclose the house, until this day the house is not for sale or by a 3rd party, bank of America owns the house.

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 2016-10-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I paid my Macy 's credit card in full on XXXX XXXX, 2016. I also closed my account, requested and received a letter confirming this. On my XXXX 2016 statement, they showed my payment in full zeroing out the account, but they then assessed a finance charge of e of {$13.00}. On the XXXX XXXX statement, they assessed another {$2.00} fee, now totaling charges of {$15.00}. On the XXXX 2016 statement, they charged a {$17.00} fee, bringing the total to {$33.00}. I called on XXXX XXXX and asked that the total charges of {$33.00} be removed and a zero balance letter be sent to me. She assured me my balance was {$0.00}, and I received a copy of the zero letter. I checked my account on XXXX XXXX, 2016, and I still have a balance of {$19.00}. I called XXXX XXXX and was told they would remove the {$19.00} to zero out my account. I received the employee 's id # and name. I forgot to mention that they had a credit collection agency call and try to collect this amount from me. I have never had a collection agency call me, and I was very upset about this. I believe this is very poor customer service. I paid off several other accounts when I paid Macy 's off, and had no problems. I cancelled this card because of the poor customer service.

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 2017-02-03
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a loan through XXXXNavient. They call me several times a day, often once an hour or every couple of hours. I consider this harrassment and I would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is attempting to collect {$240.00} from me for taxes and duties on a package that I returned to sender. I have attempted to contact them several times and explained that I do not owe them any money, but they do not return any of my communications. Now they have sent a debt collector to force me to pay this amount. I do not owe them a penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is attempting to collect a debt of the wrong amount and in a state in which they are not licensed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Paypal Holdings, Inc
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, I have a PayPal account which was recently closed with {$25000.00} still in it. PayPal closed the account without prior notice and are refusing to let me withdraw these funds for 6 months. I have to pay for stock that 's already been delivered to my customers. I 've provided tracking numbers to show PayPal that the items are delivered and the consumers are happy. Despite this, they still say it 's too risky to let me have my money and they 're going to keep it. I 've raised XXXX complaints with the executive office in Paypal. They reviewed the case and said they 'd not be releasing the money. I 've spoken to at least XXXX representatives who all say the same thing after reading the notes left on the account by previous employees. They 'll not give me a clear answer on the reason it was closed. They only say it 's " risk management ''. If I want more information, they said I 'd need to subpoena it. I have to pay for stock with money I do n't have. Their actions are putting me under massive financial struggle, as I 've no way to pay off the credit cards which had to be used. Over the next 6 months, they 'll directly benefit from ceasing my money, as they can reinvest it and earn interest. I 've had to close my store and cease trading as I ca n't buy any more stock.

Company response to consumer: Closed with explanation