BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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:
AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCURATE INFORMATION. 

FRAUDULENT ACCOUNTS- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX FRAUDULENT HARD INQUIRIES : XXXX  XXXX XXXX XXXX, XXXX  XXXX , XXXX  XXXX, FRAUDULENT HARD INQUIRIES : EQUIFAX XXXX XXXX , XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX , FRAUDULENT ACCOUNT-EQUIFAX Collections-Unknown- XXXX XXXX FRAUDULENT HARD INQUIRIES : XXXX  : XXXX, XXXX  XXXX  FRAUDULENT ACCOUNTS : XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 

WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been asking Wells Fargo Home Mortgage to provide me with information about my loan status and what I need to get current ( not counting my Bankruptcy protection amount ), but they can not seem to provide accurate information. I am in Chapter XXXX Bankruptcy so I have protection and I have been making my payments to the Trustee, yet Wells Fargo is threatening to foreclose on me. I do have some late payments to them after my Bankruptcy, partially because they do n't allow online payments XXXX making it even more difficult for me to manage my account when they should make it even easier ) and I have to mail them a check every month. Every time I ask them to provide me with what I owe them, they include the amount I have in bankruptcy protection, which is accounted for separately. I can not access accurate information about my loan online and have to talk to XXXX of their so called " experts '' in the bankruptcy department, who can never accurately answer my question. All I need is a printout of my loan information and how my payments have been applied. I also want to know how they are applying my Chapter XXXX Trustee payments. Futhermore, I tried to apply for the so called XXXX modification plan and they did their best to make sure I did not qualify. They said I had too much debt. The whole point of the modification is that I need help to make my payments, and reducing my mortgage payment would help, which is what the plan was created for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONSUMER ADJUSTMENT CO is claiming that I owe them {$870.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX/XXXX/2017 charges were declined on my Capital One Venture card. XXXX/XXXX/2017 contacted Capital one and was told that the account was closed but had no explanation other than to say the card holder agreement allowed them to do this for business reasons. They stated that I should receive a notice in the mail soon. As of today, XXXX, I have not yet received this notice. What I did receive today is a notice from Kohl 's indicating that my Kohl 's credit card account was being closed. It just so happens that my Kohl 's card is issued by Capital One. This notice states ... '' The reason ( s ) for our decision is as follows. We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' We only use this card for personal, family, and household purposes so I have no idea what they are suggesting. They have never notified me of any issues in the past. We always pay our bill on time and in full. Capital One 's own credit reporting indicates a XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for Chapter XXXX bankruptcy in XX/XX/XXXX. By XX/XX/XXXX, seven years later, I requested the bankruptcy to be removed from the credit report agencies. XXXX complied, but XXXX and XXXX replied that they would hold it for ten years. So in XX/XX/XXXX I renewed the request to remove. To this day, XX/XX/XXXX. The record continues to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Seterus, Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Now, Seterus is falsely claiming a debt and loan from XXXX. We have and will continually deny this fraudulent debt and loan made by Seterus. Our communication to Seterus was/is very simple ; do not contact us again because you all " Seterus '' is now claiming to have/servicing a Loan from XXXX plus ( XXXX and its affiliates ) are in violations of Federal Laws by continual harassments and threats. Therefore, you all Seterus plus ( XXXX and its affiliates ) need to stop making fraudulent claim about they have a lien on our property and owe a loan through XXXX because Seterus are trying to make a claim and a false foreclosure on my property which lead to defamation of our character. " Allegedly, Seterus plus XXXX, XXXX/ XXXX XXXX , XXXX etc. have committed fraud and continue to do so because they never had a lien on our house from the off-set or the inception of our mortgage ( See attachments ). " See the previous complaints made by us '' Submitted by XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
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 have sent information to the credit bureaus about possible fraud on my credit reports and nothing was done to fix the errors on my reports. These items are outlined in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a credit card with capital one they restrict my account because they think it 's a fraud issue. Have so many problems because I sent my personal information more than 5 times even if speak with some one to make sure they receive it. After confirming 3 days after manager who handle my case transfer out to another department and I have to resend my I formation again. No one in customer service can resolve the problem because every time they have someone different and I have to star over the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I received a credit card from Capital One XXXX ago. after the XXXX payment thebalance was supposed to increase. Lol and behold all of a sudden therere was a problem with my bank. Capital one says the bank send payment back. The bank says Capital One set it back to them. And the same thing keeps happening and the interest went up too. I was interested because I wanted to restablish my credit. I was an unsolicited offer also. I have talked to them several time about this and the fact that they ca n't add. I looked at my statement tonight and it shows a payment posted but the total available balance is not correct. And still shows I owed the payment for theXX/XX/XXXX payment which had posted. When chatting with the rep. he apparently went in and XXXX it out but then it showed XXXX due on the due date, which was already posted and payed. I hope all this is getting through, because it is moving off the page and ca n't see the part on the right side. I think this is a scam on the part of Capital One and wonder if other XXXX and over people like me are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have sent numerous dispute letters to XXXX, XXXX, and TransUnion disputing an erroneous bankruptcy that is being reported. The credit bureaus have failed to provide the necessary validation to keep the bankruptcy on my credit reports. I have attached the latest dispute letters and have provided the certified mail receipt numbers as evidence. 

Certified mail receipt numbers : XXXX XXXX XXXX XXXX XXXX TransUnion 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 explanation
Consumer complaint received 2021-03-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and WITHOUT ANY EFFORT TO PROVIDE EXPLANATION AND SPECIFIC DETAILS OF MY VIOLATIONS. It also froze my hard earned money from my bitcoin trading for 180 days which is clearly a violation of my right and a due process. I explained everything from my side and provided everything they required from me but still to no avail. What they did is a grave abuse of discretion. I am not sure if this is some mistake as I hope it is. I have not been able to get help from them but I learned from an article that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal especially DURING THIS CRISIS OF PANDEMIC where people like me are doing to survive and to have a life. My email linked to my PayPal is " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: FinCo Services Inc DBA Current
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a mobile bank account with a bank called current and I got hacked and contacts added out of no where and I got my tax return XX/XX/21 and it was {$1800.00} and when I went to check it was sent to a random person in four separate payments a {$40.00}, {$1000.00}, {$500.00}, and {$300.00} payments to a guy named XXXX XXXX who lives in XXXX, New York. I reported this to the company and they are investigating it but I wanted to get more people involved to try and get all my money back and they locked my account to every other device except my own. But they said they might not get all my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Credit Technologies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit report that I do not recognize. I dont know a whole lot about credit, but I know I didnt authorize all of these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for Bankruptcy protection ( chapter XXXX ) in XX/XX/XXXX during the whole process I was in contact with my mortgage company trying to get a loan modification, because I wanted to keep my house. In XX/XX/XXXX I started to make the trial payments for the loan modification. I was required to make 3 months payments on time which I have done. On XXXX XXXX, 2016 I received all the paper work for the modification. I was told by XXXX XXXX I was behind in my mortgage payments by XXXX dollars and If I wanted to be current and up to date I needed to sign the modification papers, after reviewing the agreement, I learned that they wanted to add 20 years to my mortgage. At 5.8 %. that is over XXXX dollars for a debt of XXXX. I contacted my bankruptcy lawyer and learned that the XXXX dollar rears was added to my bankruptcy and I was already paying that back. The agreement that they sent me added not only 20 years to my mortgage but also XXXX dollars to my principle? I asked XXXX XXXX what that was for and she could not tell me, she stated it was what I owed in rears but they didi n't want to go to XXXX so they did n't add everything. As a widow I really think they were hoping I would just sign the paperwork and not ask any questions. I also asked XXXX XXXX how they came up with adding 20 years for a XXXX debt and she claimed she messaged the underwriter and would get back to me as soon as she heard from them. I called twice today and left messages but have not heard anything.

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 2016-05-25
Company: Prospect Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My loan was cleared to close and my mortgage company sent me mydisclosuress. I looked everything over, signed them and returned them. 3 days later I get an email with another set of disclosures with about $ XXXX more in loan fees. They claimed I changed the loan terms to cash out and raised ltv. Nothing changed on our end from the original disclosures I signed numerically to the second set they sent with the fees doubled. I was finally told someone made a mistake on the rate lock and I 'm paying for it. I was forced to close the loan as it was for permanent financing and I absolutely had to close. I spoke to an attorney and I was advised to file a complaint here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 I deposited a check ( check # XXXX ) in the amount of {$10000.00} at our local ( XXXX XXXX ) Bank of America ATM machine. The check was to be an in-bank transfer from our business account to our personal checking account. We complete the same exact deposit every month from the same ATM machine. The amount was debited from our business account but never made it to our checking account. 
We deposited two other checks ( check # XXXX : XXXX and XXXX ) for the same amount on XX/XX/XXXX and XX/XX/XXXX ... which has lead to some confusion. 
We spoke to three separate Bank of America banking agents on three separate occasions for about an hour each time to no avail. They keep saying that they are investigating the matter and that they will escalate the matter but this amount still has not been found nor returned to us.

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 2015-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
There is a number that keeps calling me and my family members requesting I call them with a claim number ( XXXX ). I have called them back twice. The first time I called they answered the phone " legal department '' the second time I called they said " mediation department ''. They claim I owe debits to a payday loan company from several years ago. I have never done business with any of the companies they claim I owe. The stated if I did not pay the " settlement '' then legal action will be taken against me. They could not provide further informaton about the loan in question. I do not owe this debt and they continue to call me and my family members. I can not get them to stop. They do have my personal information. When I asked them the name of company they work for I was told it was XXXX XXXX out of XXXX Maryland I do not know how to get them to stop and protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir or Ma'am, We are experiencing a financial hardship related to having to care for our son who is XXXX, consequently we are not current with our Mortgage with CitiMortgage. We had been able to make payments on line through their website XXXX. 
This morning to our surprise we found that the option to make payments is no longer available and our account locked. This was disappointing and creating more stress to not allowing us to have the opportunity to get our payment done. They advertise " We are here to help you '', however being locked out of our online account prevents us from making our mortgage payment to have a digital fingerprint of our payment. " Sorry you are not eligible to make payment online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: NY
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:
I have an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
THIS IS THE SECOND TIME WITHIN A FEW WEEKS THAT I AM FILING A COMPLAINT AGAINST CITIBANK RELATED TO AVAILABILITY OF FUNDS. 
There are two issues that happened today : 1. Citibank refused to give me a cash advance from a Citibank brand 's Sears Card because I was missing my New York State Driver 's License with me even though I am a customer of the bank and have been in the branch where I tried to do this at least 20 times. They would NOT accept any other form of id and knew that my account might become overdrawn without this cash advance where they could charge return item fees as well as have me incur fees from the payees of these items which could result in fees of over {$60.00} per item. They know that my checking account has a XXXX balance because of issue no 2 below. I even had them contact the executive response unit that dealt with the CFPB complaint I filed a few weeks ago and they would n't relent on this issue. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATION OR GUIDANCE ON THIS MATTER FROM EITHER THE CFPB OR THE COMPTROLLER OF THE CURRENCY OR THE FE4DERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY. 
2. A merchant XXXX near the town I live in XXXX NY charged a debit card for my wife this morning XX/XX/XXXX even though I asked them to use a different card which brought my available balance to XXXX. The merchant agreed to reverse the transaction and put the charges on a different card but Citibank refused to release the funds even after confirming with the merchant that the charges were being reversed. In the past when I had this problem Citibank cooperated in doing this but now claims some rule of Mastercard effective XX/XX/XXXX does n't allow them to do this. This is putting me in the same situation of having items returned for insuffcient funds. I WANT TO KNOW IF THERE IS ANY FEDERAL REGULATIONS OR GUIDANCE ON THIS MATTER FROM THE CFPB, COMPTROLLER OF THE CURRENCY, FEDERAL RESERVE OR ANY OTHER STATE OR FEDERAL AGENCY.

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 2021-09-01
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAINE & WEINER would verify the debt. So I took it upon myself to ask CAINE & WEINER for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation