BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money was taken out my account that wasnt authorized several times through XXXX. My account was compromised because my phone was stolen during the time of these transactions. I was a victim of sim swap scam and fraud.I called us bank and they refused to give me my money back. A total of XXXX dollars was taken out my account. I even had to open new accounts because of these issue. Which is bank will have documentation of. 

Here the amounts and when they were taken out. 

XX/XX/2021 ( {$900.00} ) XX/XX/2021 ( {$1000.00} ) XX/XX/2021 ( {$300.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$600.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following inquiries completely from my Credit Reports : XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015 I went through a really bad separation from my partner. I went into Bank of America and had a teller assist in transferring all of my funds out of my joint bank account to a new bank account that was in my name only. Thirty minutes after I left the bank I received an email confirmation that my funds fell below {$25.00} in my old bank account, and I received a confirmation number that the funds transfer was complete. On Saturday XXXX/XXXX/15, the other party walked into Bank of America and withdrew {$600.00} from the account that should 've had a balance of XXXX. When I called customer service they told me that there were funds available in both accounts, which is crazy to me. On Monday XXXX/XXXX/2015, Bank of America did a reversal of the transfer from my new account back to my old account and said that since I transferred the funds on XX/XX/XXXX and set the account to close, that all transfers had been cancelled. They then overdrew my new bank account a lot of money and all of my purchases, including my rent payment that I made on XX/XX/XXXX almost bounced. I filled a claim with Bank of America and their claims department called me and told me that there was nothing they could do for me since the other party was on the bank account. My bank account is still overdrawn {$600.00} dollars since XX/XX/XXXX and they are refusing to take any accountability that they made a mistake when they transferred my funds. If I would 've known that doing the right thing but sitting down and having a teller help me with the funds was going to put my money in jeopardy I would have just pulled all my money out and went to a different banking facility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Rush card is locking people out of there accounts when they said that everything was fix and I 'm still not able to access my funds or activate my card and everytime I call someone they either hung up or system is down also when they been on social media saying everything is fix LIES!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid registration fees for my vehicle in XXXX of XXXX .In XXXX of XXXX I refinanced my vehicle through Consumer Portfolio Service. Upon doing so I wanted to remove a Co-signer from the title. I was told by CPS that this would be an easy process and they would handle everything through the DMV. In XXXX of XXXX my vehicle was towed away from my residence and impounded due to lack of registration. I was then forced to pay {$600.00} to get my vehicle out of impound and when I contacted DMV to find out why it was impounded they stated No registration. Upon DMVs investigation they discovered that the process CPS was using to change my title put a pause on my registration for XXXX from finalizing and that also they wouldnt be able to issue my registration for XXXX until this matter was resolved. I then reached out to CPS in XXXX to find out what was going on and they informed me that theyd contracted a third party company to handle the title and to contact them, which I did. The third party company is was no help so I reached back out to CPS and asked for assistance with this matter. I informed CPS that not only was I unable to drive my car Ive been paying for but now I could not as much as park it at my residence because it would get towed again. So I was forced to seek out a storage facility in which my car has been sitting at for 3 months now. It is now XXXX and I pay {$300.00} per month to store my car so Ive incurred an additional {$900.00} in storage fees on top of {$600.00} impound charge. CPS lack of professionalism has caused me to lose over {$1500.00} all while still paying my car note and continues to seek payment instead of addressing my concerns. This matter has gone on over a year and quite frankly it feels predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have been going on a uphill battle with Experian about fraudulent accounts and fraudulent hard inquiries on my credit reports for years now and I'm beyond frustrated with this matter I need this issue to get resolved like ASAP I contacted Experian and spoke with a rep the rep said to me that Experian will not remove these fraudulent accounts and fraudulent hard inquiries off my credit report because I didn't have a freeze on my report with Experian I've never heard of anything like this ever I'm moving forward with this complaint because this fraud has hurt my credit standing tremendously thank you for your help in this matter

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 2016-05-09
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX I completed a short sale on a property and signed a promissory note. Pursuant to the note I signed I began paying on the debt to XXXX XXXX. XX/XX/XXXX, Real Time Resolutions attempted to collect on the same debt however I advised I was previously paying on the debt. They subsequently reported me to the credit bureau for a debt I was already paying on. 

I have filed with the credit bureaus and submitted supported documentation without a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: BMW Financial Services NA, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
BMW Finance is reporting an involuntary repossession - charged off account with a balance owing of {$9800.00} on my credit report. I recently spoke to XXXX, a collector, who stated the repossession in question was on XX/XX/XXXX - and first became delinquent in XX/XX/XXXX - more than NINE years ago. I have tried to reach XXXX, XXXX 's supervisor to no avail. I have repeatedly disputed this account, yet BMW continues to report it beyond legal time limits and simply state that I need to start the dispute process " again '' and email a canned letter ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender states that the loan has a sale date for XXXX/XXXX/17 and the refuse to review the file - we were informed by the opposing counsel that the sale date is actually set for XXXX/XXXX/17 - at this point we fell the lender is unwilling to assist this client in obtaining a loan modification and is violation of RESPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving letters from Midland Credit Management for a XXXX XXXX Account that is not mine. I have sent XXXX different letters to them stating it 's not mine and they have not stop harassing me. I do n't know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: NAVY FEDERAL CREDIT UNION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Company on multiple occasions refused to provide proper information to enable me to process my payment. I explained at length that my account was a saving account and various csr 's on multiple occasions told me that I can process my ach payments using savings accounts. I was also told at times that it required a checking account and yet my payment attempts were still being rejected. I received an email showing my savings as a checking account despite my efforts to communicate otherwise. Most recently I received a phone call on XX/XX/XXXX and XX/XX/XXXX my a supposed XXXX XXXX XXXX of ( Navy Federal ) who provided me with false call back information, and called at a wrong time despite when i told him to call. He proceeded to tell me my account has been reset so I can pay via online. So today i logged in online and I am in the process of submitting a payment after my supposed account reset. My {$58.00} payment is scheduled for XX/XX/XXXX. My {$54.00} was rejected and i received the email from NF stating it was because my account is a saving account but went in as a checking account. XXXX XXXX attempted to pursued me that this was my doing and told him it was not so it was best to just say the information was entered wrongly. I also mentioned that I know my account information and the spelling of my name and this was NF 's fault not mine. Notwithstanding, he found other errors on their part ( NF ) for which I was not given any details. My account is in deliquent status despite the fact that its because of their own CSR 's failure to properly do their jobs and process my payments. XXXX XXXX did state that this should not of been my experience, agreed to wave a {$10.00} fee ( supposedly ) and admitted that my name was entered wrong by the NF and the there were some other issues that he sees as to why my entire account will have to be reset. So in other words NF is the reason I am late on payments due to their own negligence. I still do not have online access but they continue to file against my credit file.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
i purchased a money order completely filled out and singned by me, it most have fell out of my purse and someone found it got it cashed at Fifth Third Bank the money order was made out to XXXX XXXX for my rent payment. They never received it so i called the XXXX number XXXX XXXX and it had been cashed at a Fifth Thidr Bank in XXXX Mo. and i purchased another money order for a finder fee of XXXX and it shoed that someone had crossed through the pay to the order of and wrote over it with the name of XXXX XXXX and also crossed over my name, the purchasher and wrote XXXX XXXX on that also. My copy i receiced back was cashed on XX/XX/2017. this money order had been forged and cashed and Not by Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$310.00} to Southwest Credit System Equipment returned, picked up at my home XX/XX/XXXX They are currently called XXXX and before signing up for their internet/cable service my previous account was scrutinized by them and there were absolutely no issues in the past or I would have been denied any service with XXXX. In the past XXXX tried to collect a debt that was NOT owed them but took forever for them to admit it. Subsequently this claim is totally bogus and unwarranted. This collection company is out of control and must be reprimanded and never to bother us again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went for a XXXX that I booked, for it to be XXXX XXXX XXXX. The person who was supposed to do it did not deliver and instead started doing XXXXXXXX XXXX, I told him to stop and do XXXX XXXX on XXXX occasions during the service and he failed to do it. I tried to resolve the problem with the merchant but they said I must pay, under duress. Under duress I paid it and sought my credit card company 's ( Bank of America ) assistance based on poor quality of service. I did not purchase XXXX XXXX and I should not be charged for it. It is like coming to the car shop to repair your bumper, getting your tire fixed instead, at no request of yours, and the car shop asking to pay for it! The XXXX XXXX can not just provide poor quality of service of something that I did not request and still charge you for it! I looked to my credit card to help me with having charge reversed, and they failed. I do not understand the reason for denial of this charge back, I explained how the service was not what I contracted for and I believe this should be enough to have charge back in my favor. Bank of America must honor charge back for the service I did not buy but was charged for

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
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 XX/XX/XXXX XXXXXX/XX/XXXX Account # XXXX, XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XXXX XX/XX/XXXX Account # XXXXXX/XX/XXXX XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XXXX Account # 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

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 2022-02-23
Company: Better Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX I refinanced a mortgage with Better.com for XXXX. This should have paid my mortgage to XXXX and removed my ex-husband from the deed. 

XX/XX/XXXX I emailed the following to Better.com : I closed on my refinance XX/XX/XXXX. It should have been disbursed XX/XX/XXXX. My existing mortgage has not received the payoff yet. Since I was enrolled in auto-payments and it was not paid off as expected, the payment did not clear and I was charged a NSF fee at my bank. I have not received the money due to me from closing. Can I please get an update on the disbursement on my loan? 
They told me there was an issue with my closing documents, they were going to void the paperwork and the mortgage and I needed to go through closing again on XX/XX/XXXX. 

I let them know on XX/XX/XXXX that the mortgage that was supposed to be voided, was not voided and was sold to XXXX XXXX XXXX ( XXXX ) effective XX/XX/XXXX. The payment date for the XXXX mortgage was XX/XX/XXXX. They have assured me since then that they are working to resolve the issue with XXXX and repurchase the mortgage. As of today, XX/XX/XXXX, this issue is still not resolved. I have at least two, possibly three liens on my personal home and I should only have one.

I am getting letters and calls regarding a delinquent account with XXXX ; stating they will start the foreclosure process if it is not paid within 45 days. I have escalated this issue multiple times with Better.com and they have not resolved the issue. They will not provide a timeline of when it will be resolved or the steps they have taken to resolve these issues. I am not sure if there is mortgage or wire fraud occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Freedom Mortgage Company
State: ND
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan off a letter i got in the mail in XXXX of 2014 with Freedom mortgage who carries my current loan. They said i could reduce my rate with an FHA streamline. Then is XXXX i saw that you could reduce your mortgage rate so I asked them if I qualified for that and they told me yes. We will just resubmitt your loan. Well XXXX, XXXX, XXXX went by and no refi yet. They told me they did n't even have anything in there sysytem for me. I asked them to cancel my refi because i was going to go with a local lender here in XXXX. No my local lender is waiting for the FHA case number to be transferred from freedom mortgage and nobody is communicating with my new lender to get this done. I am going on over 6 months now and ca n't get a simple refi done becuase freedom mortgage wont transfer the FHA Case number. Any suggestions or help? 
\Thank you

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