BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with HSBC and provided all the requested information. They approved and opened my account and I deposited {$2000.00}. I did this in part because of their sign-up promotion : they promised I would receive a {$350.00} sign-up bonus for paying XXXX bills/month from the account for 3 consecutive months within 120 calendar days of account opening. 

I setup auto payments to fulfill the bonus requirements, which started for the first month. However, then I received a physical letter from them that they would be closing the account unless provided with more information. Since I was n't home at the time, I did n't see it, and then I received a note that my account was closed and that I could wire out my {$1900.00} remaining balance or wait to receive a physical check on XXXX/XXXX/16. 

They also blocked my online banking account so that I could not transfer my money out, so I decided to just wait for the check. However, when I called them XXXX/XXXX/16 to inquire about where my money was, they told me that my account was no longer closed after all ( while acknowledging the earlier communications they sent indicating that it was closed ). So no check was mailed and the money was still with HSBC. I tried logging in again and was still blocked, so I had to call back and wait on hold until they gave me access. I also realized that they had " closed '' my account for so long, it would not be possible for me to fulfill their bonus requirements. 

So I decided to close my account because of their repeated efforts to prevent me from accessing my own accounts and funds, thereby also making it impossible for me satisfy their sign-up bonus requirements. However, when I called their customer service on a weekday afternoon during their business hours, they put me on hold for nearly 30 minutes and refused to let me close my account. They finally told me to call back another day because I 'd been on hold for so long they were about to close ( this was on a call to HSBC on XXXX/XXXX/16, with reference # XXXX ). 

HSBC encouraged customers to sign up for a checking account to receive a bonus, blocked access to my account for long enough to ensure the bonus requirements could not be achieved, promised to close the account and return the deposited funds - but then withheld them and reopened the account so that I would unable to access my funds for over two months while also not being able to benefit from their sign-up bonus, and refused to allow me to close my account and withdraw the funds. This was intolerable behavior, and I 'm writing in the hopes that the CFPB can help me get my money back and force HSBC to pay some type of reparations for making their {$350.00} bonus impossible to receive, while holding my money against my wishes. 

Thanks so much for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-04
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Transworld system XXXX collection account showed up out of no where on my XXXX XXXX and XXXX credit report this account is identity theft police report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent them a certified letter XXXX/XXXX/2014 requesting for " verification of account '', prove the statue of limitations has not expired, licensed to collect in California, and documents proving that I have signed an agreement with them under the rule of " standing ''. Also, improper reporting of this account to the XXXX credit bureaus. 
Never received a reply from them up to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have been trying to contact this collection agency for the past two weeks. They do not answer their phones neither answer e-mails. I just filed bankruptcy and I need to let them know my case number. Please help me to contact this collection agency. This agency is holding my debt from HSBC/XXXX Credit Card. ( They have not tried to contact me, you just do n't have an option for my problem )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : ( XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020XXXX XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX Inquiry Date XX/XX/2020, XXXX Inquiry XXXX XX/XX/2020, XXXX XXXX Inquiry XXXX XX/XX/2020, XXXX A XXXX D ate XX/XX/2020 )

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 2021-12-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a ( 2 ) transfer on XX/XX/21, a total of {$7500.00}, to another Member of the Navy Federal Credit Union. It was later realized this individual is a scam/fraud. This individual did not render service and has been avoiding me. I have called Navy Federal several times to submit a dispute, but they have denied me. They have stated that this is not considered an ACH or credit card transaction and that it is considered " Cash to Cash ''. Navy Federal stated that since it is Cash to Cash, they can not do anything for me. I have informed Navy Federal I have proof of the fraudulent activity and the Member 's failure to render the service, they still denied me. I have asked Navy Federal several times if they can provide in WRITING the disclosure that states I waive my rights to any recourse of fraud and scams when performing a Cash to a Cash transaction, they have yet to provide it. Every time I call, they state they are waiting for the " back office '' to reply with the information. They have yet to provide an explanation for why they can not investigate this transaction as they do any other transaction. They have yet to provide any disclosures or literature that informs consumers that transactions between Members are considered " Cash '' transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: WELLS FARGO & COMPANY
State: NY
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:
I am writing to dispute a situation  with Wells Fargo. They are reporting a negative home equity line of credit account to the credit bureaus of  XXXX  and  XXXX . It is p ast the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a much longer period of time.     There has been very strange activity with this  Wells Fargo account on the credit bureau reports. I am disputing items and requesting written documentation from Wells Fargo  documenting payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from  XXXX  to   XXXX   I have made absolutely none of these payments! Actual pictures of the check or money order used to make the payments are being requested. It would seem as if the account was re-aged consistently over several years from  XXXX  to  XXXX . If, in fact, this was the activity being performed then it was without my involvement and consent and why I have brought up the matter with the Consumer Financial Protection Bureau.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion 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. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/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 2015-07-28
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage was transferred from XXXX to green tree on XXXX XXXX. The same day a escrow summary was sent from XXXX saying we needed to pay a buffer of XXXX by XXXX XXXX or the mortgage would go up by XXXX dollars. Green tree has no records of this but shows the increase of the mortgage. They have no escrow rep other than customer service and do n't even have our latest escrow records. How can they have our mortgage and no escrow records? I 've talked to supervisors and no one will help us. And I Faxed them our own records out of pocket to try and get this taken care of before XXXX XXXX XXXX what We got was they would review it. We are running out of time. It 's very bad run company and they sent us a record when We complained saying We were disputing the debt. Like I was disputing the whole mortgage. We were not and it was a scare tactic. I 've lost my temper with them and been frustrated, I 've tried being nice, I 've tried to be considerate and it all fails. We just do n't understand how they are strong arming us for asking questions about the mortgage. 
The kicker is they tried to talk us into refinance at one point too. I just do n't know what else to do. They said they would take the buffer over the phone and waive the fee, but when I faxed the paperwork on XXXX XXXX no one called back. Then on XXXX XXXX I called and the supervisor would n't even get on the phone and they said escrow dept would have to review and they did n't know how long it would be. Effectively putting us past XXXX XXXX. I 'm distraught by this company and the lies, ineptitude, and general feeling of doing us a favor of taking our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently paid off some of my credit card balances and decided to order my Transunion credit report and scores on XX/XX/2021. My credit report showed my recent paid in full on my XXXX XXXX. On XX/XX/2021 my credit score was XXXX. The very next day I had several alerts from different credit unions, I bank with stating my credit score dropped to XXXX. I contacted Transunion, of course they speak how they were trained, going over all the different procedures and nothing in my favor.. I apologize because I really couldn't figure out which section to select to rectify this problem. Of course I had to problem getting my credit score. Just had a big problem with it staying the same.

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 2021-12-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
My identity was stolen on or about XXXX of this year. 
I took ALL steps in order to try and put a stop to whomever it was that hacked my computer copies all my cards/bank accounts/savings etc and yet when I am checking my report on on three credit bureau 's there are numerous, I repeat numerous errors not reflecting the corrections made after I spent months trying to fix my credit. I went from having a near perfect XXXX XXXX now down to fair/poor. 

I had to file multiple complaints with the FDIC regarding XXXX XXXX ( also not reflecting on my credit reports ( all three ) Many of my CC reduced my available credit b/c of the identity theft and yet it has not been reported. 

This has nearly ruined my life. I have always been extremely responsible making sure I have autopay set up so I never miss any payments and yet again, this is not reflected on my credit reports. I have asked each and every one of my credit cards and my bank to alert all the credit bureaus ' about the errors and was assured they would do so but after reviewing all 3 of my reports I see that is not the case.

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 2016-04-26
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received treatment at a medical facility in the summer of last year. Multiple charges were incurred and my insurance carrier paid all but XXXX or XXXX. The ones they did not pay were coded incorrectly by the medical facility so they were declined ( I was completely unaware ). I was contacted by the debt collector almost 8 months after I received the treatment. They actually contacted my wife and I called them back immediately. I disputed the debt and asked that they provide me with some information so that I may contact my insurance company and get the matter resolved. I was completely unaware of the debt, but was willing to resolve it as it should have been paid prior to collection. The information that they mailed me was a XXXX page document with absolutely XXXX details on it. After several conversations with the insurance company, they indicated that they would contact the medical facility and would be reprocessing the claim. In the meantime, I had asked the debt collector if this information was going to be reported to the credit bureaus. They assured me that no reporting would take place, especially considering the billing situation and the fact that I was disputing the debt. They lied. In XXXX of this year, they reported the debts. As a result, my credit scores have fallen XXXX points. This is completely false and deceptive. I have never received another communication following up on the dispute or trying to check the status on the insurance claim. I updated my address and phone number with them. There is no excuse for zero communication and immediate negative reporting on my credit bureaus. I am demanding that these debts are removed while the insurance company works through the billing. Had the medical facility properly coded the services and had the debt collector communicated properly, I would not be in this situation. I feel completely powerless here. I worked hard for years to keep my credit scores above XXXX and to lose XXXX points because of this incompetence is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a victim of identity theft, I have been trying to clean up and keep an eye on my credit, I put alerts and freeze alerts on my credit. XXXX will not lock or freeze my credit unless I pay extra for monitoring. That concept should be illegal. Instead of teaching snd helping consumers, they are adding to scams and identity theft. There is a lot on my reports I have nothing to do with, and the inquiries are out of control and none of them did I authorize. The other 2 agencies are the same they are allowing all kinds of information to access and put items on my reports that don't belong. But none of them will do an actual fact check. And why do they keep unlocking my report? Only I should be able to do that. Why are they given such a powerful business that is so important to people 's lives? The credit agencies are destroying lives and they don't care how wrong the data is. Or that I was identity theft because of their data breaches, and allowing everyone into my credit. This is far to serious of my lively hood to allow the credit agencies to continue this horrible not caring attitudes. Yet the privacy and livelihood of every human is in their hands. I should not have to pay money to lock my credit, especially after identity theft.

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 2021-12-23
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2016-10-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Both debts, ( XXXX XXXX hospital, XXXX XXXX XXXX ), occurred while I was unemployed and homeless. I was covered by XXXX. Also known as XXXX now. XXXX XXXX 's medical safety net program. In both cases I submitted my information at the hospitals.As required by XXXX. In both cases it was n't possible for me to return to XXXX. for treatment. In XXXX I passed out from XXXX, thus the ambulance. In XXXX XXXX I was a outpatient and treated for a XXXX. When in XXXX XXXX My car had broken down .So, at XXXX I did n't have any transportation to the closest XXXX hospital ( XXXX-XXXX miles away ). I was told that in situations like the one I was in. Reciprocal services are extended between the counties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have rented a car XXXX and paid the rental amount with my credit card. After that, i have received almost {$1500.00} bill from the same car rental company for damages to the car which i was not agreed. The rental car company had forged my signature on a paper to charge my credit card and bank of america has denied my dispute even thought the signature for forged ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation