BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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 information incorrect

Complaint:
the XXXX bank account # XXXX that's reporting on my credit report has inaccuracies that makes this report invalid ... date last active XXXX XX/XX/XXXX XXXX XX/XX/XXXX / equifax XX/XX/XXXX... 
DELETE THIS INACCURATE DERAGATORY REPORT THATS HURTING MY CREDIT REPORT...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I entered the 5th 3rd XXXX in XXXX, IN on XXXX/XXXX/XXXX to open a checking account and have some refunds from XXXX XXXX deposited into the new checking. The teller got me to banker who started off friendly and took my social security number and driver 's license. I told her I was trying to get {$11000.00} in XXXX XXXX refunds deposited into this new account. After that she was not friendly at all and became hostile towards the end of our conversation. She told me she would not open an account and did not provide any reasoning. I would like a written reason why I 'm being denied a checking account. I confirmed she did n't even run a XXXX inquiry. I believe she was trying to avoid compliance paperwork since the transaction would have been over {$10000.00}. 

While speaking with the banker she asked me why XXXX closed my 5th 3rd credit card on XXXX/XXXX/XXXX. I told her I did n't know that the letter just said business decision. Since I 'm entitled by the law to know why the account was closed I would also like a letter stating exactly why I was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was involved in an accident and as a part of the settlement received a check from XXXXXXXX XXXX for {$3500.00}. I made the deposit on XX/XX/18 but my bank is holding all of it until after the XXXX. I have had this same account with this bank for 12 years and have deposited checks this size before. They would usually give me access to a portion of it while it clears. In this case they did not. I had hospital Bills and my car was totaled. 

I spoke to my bank over the course of the next few days and despite the fact that 2 business days have passed and that i have NEVER bounced a check or made a bad deposit they refuse to give me XXXX cent. I'm in a tight situation and desperately need access to my money. All I wanted is a small portion to available right away. At least XXXX or XXXX dollars, but the bank refuses to budge or acknowledge my tenure and excellent account history. 

There are laws governing how banks can withhold funds from deposits and this doesn't fall under any of those exceptions. I will be taking my banking elsewhere. But since they have put such a strain on me and my family for no reason I would like to file this complaint.

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 2022-03-29
Company: Revolut Technologies Inc.
State: TN
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 reached out to Revolut customer support requesting a chargeback for the following charges. I provided all information requested in their submission form. Today I was provided a follow up email stating that the request was not legitimate and that they would not initiate the chargeback. 

By federal law ( The Fair Credit and Billing Act ) I am allowed to dispute charges that I find to be fraudulent and have explained to the company that I believe the charges to be fraudulent, but instead of helping me dispute these transactions they are refusing to look into the matter further. 

I even reached out to customer service via chat to get an explanation, but was provided a canned response of their process without any explanation why my request was not " legitimate ''. 

I am still seeking to contest these charges and am submitting a formal complaint to the CFPB. This is an unprofessional and illegal business practice and I'm hopeful that this issue will be remedied. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After pulling credit with a mortgage lender to buy a home we viewed a collection account from Portfolio Recovery for {$970.00} ( Reported by XXXX ). This account was a charged off by XXXX XXXX. ( Reported by XXXX ) meaning it was a tax write off for XXXX. I am disputing this account with XXXX to have Portfolio Recovery remove this trade line. XXXX is " double dipping '' by getting a {$970.00} tax write off then selling the debt to Portfolio Recovery for a profit. I would like Portfolio Recovery to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 I requested and received a payoff letter from XXXX for the mortgage on my home in XXXX XXXX XXXX Florida. I received a payoff letter dated XXXX XXXX, 2016 that indicated a payoff amount of {$210000.00} valid through XXXX XXXX. I wired {$210000.00} from my account at XXXX in XXXX on XXXX XXXX to XXXX XXXX as directed by the payoff letter referencing my mortgage account as the beneficiary of the wire.I then waited for the payment to be processed and the mortgage released. Instead of a release of my mortgage I received a letter from Ditech Financial dated XXXX XXXX indicating I owed Ditech Financial an additional {$750.00} for a shortage. I paid the amount required by XXXX. 
Apparently XXXX sold my mortgage to Ditech and nevertheless issued the payoff letter indicating the amount due. XXXX acknowledges the receipt of my funds on in full on XXXX XXXX. XXXX has repeatedly indicated they can not help and refer me to Ditech. I have called Ditech repeatedly over the ensuing months explaining my situation sending copies of the payoff letter and wire confirmation and do not ever get a return call or any help what so ever. 
Most alarmingly Ditech has now put me in default and threatens foreclosure. I NEED HELP!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022 I deposited 30,000 ( thirty thousand ) USD to Gemini Cryptocurrency Exchange and for some reason part of that deposit failed to clear which resulted in negative balance on my account. Gemini, instead of notifying me about the issue, instantly restricted my account on XX/XX/XXXX not letting me make another deposit or sell my cryptocurrency to bring my account back to a good standing. After creating a support ticket the same day the customer agent XXXX from Gemini Support requested to upload a selfie of me holding my ID and a notice with the date of the picture. I did everything as instructed and uploaded the picture to the provided secure link. I got a response on XX/XX/XXXX with apologies for the delay and I have not heard any updates since then. Today is XX/XX/XXXX and all my support tickets are being ignored with my funds, 30,000 USD, frozen on my account with no ability to trade, withdraw and deposit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX has placed 2 disputes on my account and has wrecked my credit score to poor claiming i am delinquent over {$7000.00} on my account. I am completely up to date with my payments and have {$98.00} payment due in XXXX. This is totally unjustifiable XXXX on my credit history and as a XXXX XXXX XXXX woman this is a horrible disruption in my life as I have new large bills to pay and absolutely do not welcome this extraordinary stress.

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 2019-11-27
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: Personal information incorrect

Complaint:
The bureaus are reporting incorrect names and addresses in my credit report.

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 2020-04-20
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am currently a customer of Quicken Loans with loan number XXXX. I am writing because I did submit a complaint to the state of XXXX XXXX  about my current situation. I moved out of the XXXX XXXX  apartment in XXXX and have since had a renter in the unit. Unfortunately, because of the state of the economy in XXXX, my apartment lost value and the mortgage has been under water since. The rent I receive from my renter does not cover all of the expenses in XXXX XXXX, and after much deliberation, I was finally able to get approved for at Short Sale in XXXX. Of course this could not have happened at a worse time, as the Coronavirus hit. My renter has always been very responsible and I have never defaulted on this loan with Quicken. But my renter did ask me this month if I was getting assistance from my lender for the mortgage because she may not be able to pay the rent. I told her I was not. Since she is so responsible she is struggling to pay me so that I don't default on the loan. This is an FHA loan and while I can not opt into a forbearance because I am approved for a short sale ( I have a a buyer - I had to get a second buyer because Quicken rejected my first buyer ). If I default, Quicken will report the default to the credit bureaus and I have really struggled to keep a default off of my credit report. My family is growing, we have to move into a different home in XXXX   and my father-in-law had XXXX so it affected my partner 's ability to add additional income into our home this month. For a company as large at Quicken to refuse to stop reporting to the credit bureau or to allow me to stop making payment for a loan that is under contract is ridiculous to me. There can not be so much red tape in this world that a company would refuse to help a customer who has never defaulted on a loan. I will say that I have been treated very poorly by Quicken since asking for the short sale, where I even had an argument with one of their service reps because she was uninformed. I am so concerned about cash as we are moving in two weeks and I have to come up with a deposit. I also paid the mortgage to quicken without actually being in the position to do so. XXXX is coming around and Quicken keeps delaying the close of this loan. I would appreciate any help as their response to the state of XXXX XXXX was that they gave me the option of forbearance ( but I would have to opt out of the short sale ). This is not option at all when what is clear is that I am financially strapped with no options. I will never work with Quicken Loans again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XX/XX/XXXX there was a advertisement for a secured credit card with a new bank account with a Wells Fargo credit line. I deposited {$1000.00} into that account after the Credit card was issued the account was closed. I was unable to make deposits or payments to the account at the bank. When I tried to dispute the facts of the account The account was abruptly closed and has remained on my credit bureaus for 8 years. It has been done with malicious intent. My first Complaint to you slipped through the cracks when my mother died  and someone in your office typed in the wrong zip code on the complaint and I was unable to be identified and you closed the complaint. CONSUMER FINANCIAL PROTECTION COMPLAINT # XXXX I also filed my complaint for the Wells Fargo Fraudulent Accounts Class Action Lawsuit to no avail it is still reporting on my credit bureaus and I was denied credit XX/XX/XXXX I am taking this seriously because they are NOT correcting our credit and the Credit Bureaus are refusing to correct the age of the debt by removing it. THEY CONTINUE TO BREAK THE LAW & YOU LET THEM. Its horrible to the consumer.

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 2022-08-31
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, We are trying to get our PMI removed from PHH Mortgage. 
We had tried to get the PMI removed in XXXX, but they filed the appraisal 10 days before the loan became over XXXX XXXX old, and they did not consider our partially finished basement a major project. Therefore, they rejected the PMI removal request. 

I then waited until the loan was past XXXX XXXX  maturity and resubmitted a PMI removal request. The appraiser came in on XX/XX/XXXX and completed the appraisal. 
I asked for an update on XX/XX/XXXX, and they responded with the following message : " Your request is under review with our Private Mortgage Insurance ( PMI ) department. A letter of instruction has been requested for the account and will be mailed to the mailing address on the account. Please allow XXXX business days for the request to complete and additional time for delivery. '' I've called multiple times in the last several weeks and they continue to say that they are processing the request and that they've escalated it. They won't give me the appraisal number that should have been completed several weeks ago, and I'm concerned that they are stalling to see if the housing market goes down and then they will give back a lower number, and reject the removal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had been working with our servicer to explore our options to foreclosure. XXXX, our servicer requested all the documentation, which we submitted for a deed in lieu or a short sale. They sent us a letter stating that our packet would be reviewed, and would take 90 days. Please see attached letter. 
A few days later, XXXX assigned the servicing to Seterus. We called XXXX again. XXXX representative states they are working on the packet, it 's in the review process, another states they are within their rights to assign the servicing, and send the packet of information, which includes bank statements, taxes, paystubs, and all sorts of other information, to Seterus. XXXX did so without our express permission, or consent, we were never given the option to opt out or noticed that this would be done. That is our personal, private information being shared w/ unknown 3rd parties. 
A few days later, we go to check on the property to find a sticker from XXXX pasted to the door. It stated the property " appeared abandon or vacant '' and stated '' we owe an alleged debt ''. First, to let the entire neighborhood know that the property may or may not be vacant puts not only or personal property at risk, but also our personal safety. All on top of announcing we may owe an alleged debt. XXXX XXXX was hired by Seterus a debt collector, meaning they should know announcing to neighborhood we may owe a debt is against Federal Consumer Protection Laws, and trespassing. 
On Friday XXXX XXXX, 2017, we got a call from our Realtor, to tell us that the locks were being changed by a company named XXXX, again hired by Seterus. 
Seterus has not spoken with us on any of these matters, no foreclosure action has been initiated, no legal action of any kind has been started. Yet they are changing locks, winterizing my property and posting notices on our property. We are still the owners, and have personal property inside of the home. We pay the heating bill, the electric bill, and have contracted with a Realtor to sell the property. Seterus has no rights to change locks or trespass on my property as this is akin to breaking and entering. 
We want the locks changed back, and for Seterus a debt collector to pay strict adherence to the FDCPA. An assignment of " servicing '' does not give them any legal or lawful right to put us or our property in jeopardy, nor any right to change locks, or have some unknown company enter our property without our consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Not my items on my credit report

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 2022-08-31
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paragon Revenue Group, The repeated Fake Debt Collection calls have been coming in for about 1-2 months. We are tired of the harassing phone calls for medical debt that is being handled by our Attorneys. This company and its people are performing fake and fraudulent debt collection practices here in the North Carolina area. Something must be done about it. My Attorneys and I have constantly told them about their fake and unfair debt collection practices for years now. It is constant calling, constant leaving messages, and harassment to the next level of our family on a daily, weekly and monthly basis. Please look into this matter asap. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a savings account with XXXX XXXX XXXX and I tried attaching an external account at PNC Bank where I have 2, checking accounts and 1 savings account. XXXX XXXX XXXX informed me that PNC has blocked customers ability to attach PNC accounts to XXXX accounts for external transfers thus making it difficult for me to move funds from one institution to the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Im member of XXXX because I have a problem with previous preaching happened with XXXX XXXX, XXXX, and XXXX. On those three Im one of them. On XX/XX/XXXX. 2020 collection agency name diversified adjustments appeared negative item on my credit file Without Out Notified me or give the right to dispute latter. in three credit bureaus and my score went down by 50points. I contacted to the agency I stated that they violated my right to dispute, after that called to the agency my calls went to voice mail and they go the name by quality insurance. Since I didnt get any latter or call from them, I feel they violated my right to dispute .Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My Consumer credit Profile Was Fraudulently used in an attempt to obtain credit also my information was fraudulently used to provide data without my knowledge or consent XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the FCRA the following companies have violated my rights as a consumer. 

15 USC 1681 section 602 A states I have the right to privacy.

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

There was never any written instructions given by me. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation