BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I contacted Equifax about some fraudulent inquiries on my report on   XXXX  , and was informed by the representative that they would investigate the inquiries. As of  XX/XX/XXXX , i have not received any correspondences and they continue to report these inquiries listed below : Campus  XXXX    XXXX     XX/XX/XXXX   XXXX -   XXXX    XX/XX/XXXX    XXXX     XXXX     XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX -   XXXX   Rate Genius-  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I went on XXXX to purchase tickets for a concert. While I understand that it is recommended to go through certified ticket re-sellers, I proceeded to go this route because I had done it in the past from this group that I trusted. Regardless, I proceeded to message someone on the XXXX XXXX app for the tickets. The person then told me the cost and asked for me to Zelle or XXXX XXXX the funds ( {$250.00} ). I requested that the user send me the tickets first ( which he did ). Once I saw them in my email I did confirm that they were good I sent the money. The user then proceeded to ask me for another {$50.00} because his wife had paid {$300.00} for them and they would be losing money. After much back and forth I opted to eventually send the {$50.00}, but then I checked the tickets and there was a password lock on them. I then asked the user to please provide the password which they never did and they eventually blocked me after several further attempts. The user mentioned that they did not receive the I XXXX due to a bank network error and said they would send it back if it was a duplicate. They never did and took all of my money.I I contacted my bank " XXXX '' which did absolutely nothing to request any additional information. Zelle also did nothing except point me to my bank. I would like to file a complaint about this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Rausch Sturm LLP
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recieved a notice on XX/XX/XXXX the documents stated that a wage garnishment had been filed against me by Rausch Sturn LLP from a creditor named XXXX XXXX, XXXX. XXXX XXXX. XXXX with the total amount owed listed as {$3000.00}. I did contact the debt collector to dispute, as this debt was not mine. The date of judgement was listed as XX/XX/XXXX. I have never recieved any communication from this debt collector or the creditor on file. 

When I contacted the company on XX/XX/XXXX, I spoke with XXXX XXXX XXXX XXXX. She stated that I could have one of their attorneys call me back to discuss the debt but they had already filed for garnishment on XX/XX/XXXX and that disputing the debt would not stop collections from my paycheck. I insisted this must be a scam or something because at what point does any collection agency have a justifiable right to take money from someone's check without any prior notice whatsoever, especially from a judgement they claim is from almost 15 years ago. I had no notice of any court proceedings, or any information besides this notice I recieved today on 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 explanation
Consumer complaint received 2017-09-01
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back on XXXX/XXXX/XXXX my realtor received an offer on my home, and we emailed the offer, third party authorization, buyer proof of funds and the preliminary HUD to the lender for review to postpone the foreclosure sale. Me, my realtor and my realtors assistant have phoned the lender everyday this week to check the status and to do a formal request to postpone the foreclosure sale and the lender has continuously informed us that they did not receive the email which the email address is XXXXXXXXXXXX and XXXXXXXXXXXX. 
Then when I phoned today, they stated that they have the documents but they will need more time to review the documents, and I do not have more time. The foreclosure sale is Tuesday, XXXX XXXX, XXXX @ XXXX. The lender has been XXXX around with me and my realtor for two weeks now, and this is simply unreasonable and I am desperate for help and trying as hard as I can to make this work, and I feel as if the lender is not assisting me with the foreclosure postponement. I understand that the lender did not put me in this situation, but they are not doing what the government says a lender should do to provide foreclosure alternatives to me as a homeowner either. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: WELLS FARGO & COMPANY
State: TX
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:
I was contacted from a no caller I.D, left a voicemail that I need to call ( XXXX ) XXXX in regards to case # XXXX and that I have been warned. When I XXXX the phone number there was multiple reports that it was a scam. When I called they wouldnt tell me who they were calling on behalf of or what I owed on my so-called debt. The gentleman that I talking to wouldnt tell me his name and said I should be ashamed of myself for not paying my debt and that I should be familiar with this process since Ive been summoned to court for not paying my debt. Then he hung up on me. When I called back I said yes, I was rudely hung up on and he immediately went off on me saying that I was rude then told me what my social security number is and that he had my credit report pulled up in front of him without me saying who I was and verifying who he was speaking to before giving out sensitive information. Then he told me that I was going to be arrested and he is going to issue a warrant for my arrest and that they will find me at work tomorrow.

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 2022-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 a fair credit reporting act [ XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX, CAPITAL ONE # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
there are unaccounted balances made on my account due to fraudulent activity being conducted. in result this has hindered me from opening any bank account. i have never made any of these deposits nor owe any bank or financial institution any money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Greetings, My complaint goes to the Credit bureaus XXXX, Experian and XXXX  because since XX/XX/2020 I have sent letters requesting that they rectify their errors presented in my credit report, I have sent 4 different letters during the last 4 months and no I have received any response from the credit bureaus. I demand that an immediate response be given to me regarding the claims previously made to the institutions mentioned above. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus.

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 2017-10-17
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX/XXXX/XXXX I reached out to Amerisave to refinance my primary residence. I advised them that I have both a foreclosure and a bankruptcy on my credit report. They assured me with the time since the bankruptcy there was no issue after they pulled my credit report. 
They started the refi process XXXX XXXX # XXXX XXXX They charged me up front for the appraisal. They had me change mortgagee on my insurance. 
Last week I received a call they can not proceed because the bank resold the foreclosed property in XXXX. The resale was between the bank and the buyer. My foreclosure was in XXXX. Despite providing all the documentation they requested, they insisted they can not proceed. I have requested reimbursement of the appraisal which I feel is only fair in light of the sequence of events. 
Since they are aware they use the resale date not the foreclosure date, this should have been disclosed from the onset. 
I feel this is an unfair practice. 
I now have to pay for a new appraisal since I am using a different lender.

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 2017-04-16
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
No prior notice of default or dispute for note acceleration Prolonged prior loan modification by consistently stating that paperwork not received placing property in foreclosure. 
prolonging get contractor paid due to stating paperwork not received, paperwork done incorrectly per their instruction, losing draft, stated they never got it, but third party confirmed they sent it to him by mistake, this preventing sale of the property. 
Offered {$8900.00} move allotment which they received, but did not stand behind

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I am unable to open an account so to the fact someone opened multiple accounts in my name in XXXX ca. Ive told them over and over Ive never lived nor been to XXXX but Im still being denied an account with any bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: NJ
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 been contacting Equifax over the and by mail due that I cant get my credit score, in addition of my credit file. I want to see my credit report and credit score on my credit monitoring. They havent done anything regarding my file and i been dealing with this issue since XX/XX/2017. Im extremely disappointed in the matter how they been treating me for the last few years. I made a few complaints with the CFPB. Equifax is violating the law and differ made in my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: Progrexion Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2021 someone filed a fraudulant claim with Ohio Unemployment. There was also two charges on my checking account to The XXXX XXXX XXXX. I have already resolved that issue with my bank. I retrieved my credit report and there were a few soft inquiries in XXXX that I did not request. One was Progrexion and another one was XXXX in XXXX, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hi I have transactXXXX prepaid card there a lot fraud activity on my card try to dispute it with transact they said I lost the case and will not refund or credit my catd

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: CA
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:
Failure to take action on the Identity Theft Block request. 


NOTIFICATION OF IDENTITY THEFT & REQUEST TO BLOCK INFORMATION RESULTING FROM IDENTITY THEFT Dear Credit Bureau, This is to inform you that I am a victim of identity theft and pursuant to FCRA Section 605B, 615 ( f ) and 623 ( a ) ( 6 ), an  identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or address from appearing on a victims credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent company from continuing to collect debts that results from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) Block of information Resulting from Identity Theft, except as otherwise provided in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency of- 1. Appropriate proof of identity of the consumer ; Legible copies of Drivers License, Social Security Card, and Utility Bill are provided 2. A copy of an Identity theft report ; Copy of the police Identity Theft incident Report is provided. 
3. The identification of such information by the consumer ; and A list of accounts opened by identity theft FTC identity Theft Affidavit and complaints are provided. 
4. A statement by the consumer that the information is not information relating to any transaction by the consumer. An identity Theft Victims Statement is provided. 

I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, address, inquires, and other information that you reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f )  and 623 ( a ) ( 6 ) and mail me a new credit report to my address of record below. 

Thank you

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 2017-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX XXXX, all my student loan accounts with XXXX. of XXXXt were brought back current, positive reporting, and deferred until XXXX XXXX. Experian is showing those accounts double on my credit report, in negative and standing and good standing. I called the XXXX. of XXXX and was told that these accounts should be showing current. XXXX had submitted what they needed to fix credit reporting. I have written in to Experian about the issue back in XXXX and the delinquent reports are still showing. Status in both areas for these XXXX accounts are showing transferred, closed/neverlate. The other XXXX accounts are showing open/neverlate. Deferred, payments begin XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they stated that my credit reporting was approved and changed in the system in 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 2018-05-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. I have a credit card with city with a {$10000.00} balance. I have not made any over limit purchases and I made all of my payments on time. The balance was about {$9500.00}. On XX/XX/XXXX I made a payment of {$3500.00}. The next day they lowered my available balance five {$3500.00}. They told me that it was a coincidence and it was because of my credit score. I made this large payment to lower my debt ratio, but because they lowered my available balance it neglected what I was trying to do.

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 2015-03-26
Company: MNE Services, Inc
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving emails using a XXXX address from a XXXX XXXX claiming to be an attorney representing US Fast Cash XXXX threatening legal action up to and including prosecution if I do not pay an amount of {$950.00}. I have never had any dealings or even heard of this company. When I asked for the company phone number and address, XXXX XXXX failed to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: LANDMARK ACCOUNTS, INC
State: MI
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:
On XX/XX/2018 I filed a written demand ( USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ) for Validation of Debt with Landmark Accounts Inc. a debt purchaser in XXXX, IN for an negative collection account they placed on my consumer credit files with XXXX , XXXX, XXXX   and others. 

I requested legal validation and documents showing bearing my signature that makes me liable for this account. 

It has been more than 30 days and Landmark Accounts Inc. has refused to validate the debt and continues to report the debt as valid to the credit bureaus. I am requesting your assistance in getting this debt validated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed out of XXXX dollars. I was desperate for a job. I signed an acceptance letter from a company called XXXX XXXX. They sent me a check to cash for $ XXXX I sent XXXX to get office supplies before realizing it was a scam. Now the bank wants me to pay the money of the fake check they didn't realize was fake. How is this legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed Santander on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive never been physically contacted by this collection company, I saw it via a fraud alert on my XXXX credit report ... this is a 3rd party company that is attempting to collect a invalid debt, prior creditor XXXX XXXX closed this account per my request in XXXX, the account was opened in XXXX without my consent nor acknowledgement via online ... I demanded in XXXX that XXXX close it ... and release my name from any accounts, they responded via phone call, I filled out fraud packet in XXXX and sent it to them ... completely invalid debt ... this company the " Bureau '' re-filed it in XXXX of XXXX ... with erroneous data ... and it has hurt my credit score and defamed my otherwise decent name ...

Company response to consumer: Closed with explanation