BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had opemed an account in XXXX  many years back. It was my first account after having my junior savings account stolen as a minor. 
I mistakingly when i lost my job i looked for another online thats when i was given the offer online to start work. Which came with a check and orders to start work immediatly as the checkn was for my paycheck and for " supplies '' to begin work. 
I regrrtfuly deposited the check and pulled out the initial XXXX which was under what they were expecting me to pull out. At which point they said to send the money threw XXXX XXXX in order to pay for services of another company to clean the property. 
It wasnt. Till a week or so later that i wasnt told anything by bank of america i wasnt even told the check had bounced nothing they never tried to rectafy or even charge me for the negative balance they just compketly closed my account and said they were not offering me services anymore. And this was only after i had contacted them when trying to use my atm card to depsoite cash money from a legitamite sidejob that i had completed that day. 
Since then i have been unable to open an account at all with almost any bank. 
Also XXXX XXXX the company they shared there information which was invalid and incorrect has also caused me massive issues from being abke to access credit bank accounts or/and even from renting. 
As tbank of america stated that i never rectafied my account balcance and that it was closed with a negative balance but that was never the case. As i never recieved any information on the check in question or an explaination of what had happened or that i had a balance owed to me or that i owed to bank of america for the bad check.. 
I have tryed to cleae this up with them. More then one time and they have an account in my name but theree is no way to access such account. 
Ive been dealing with this and XXXX XXXX for years and its done nothing but ruin my life i despise bank of america for this and the fact they lied about everything. I was never charged for the bad check and what ever it was. i lost in more ways then one and got scammmed out of any job money and they never even spoke with me before closing and black balling me with no explaination or willingness to work with me.. 
That is the most. Angering thing is as i would of easily payed back the XXXX dollars from the initial check that was authoriezed to pull from the atm. And i could have continued my banking relationship with them and my life coukd of been so much easier if that was the case or they could of closed my account but without the negative balance that they would later charge or claim they charged me and informed on my credit report yhat i was delinquent of which was nothing farther from the truth.

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 2023-03-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On or about XX/XX/2021, I inquired via FedLoan Servicing Chat feature how to have my payment applied to a certain student loan that I wished to target. I was told to include the loan number and disbursement date in the memo line of the check. 

On or about XX/XX/2021, I sent a check via my financial institution to FedLoan Servicing to pay a specific loan with the loan number and disbursement date in the memo line of the check. That check cleared on XX/XX/2021 as reflected on my bank statement and FedLoan Servicing 's Payment History. I checked the electronic image on my bank account and identified the memo line did, indeed, include the loan number and disbursement date. 

I realized on XX/XX/2021 that the check was inappropriately applied to all loans and contacted FedLoan Servicing via the chat feature. I was informed I would need to call in to have my payment reapplied that that I can not target specific loans via mailed-in payments. 

I called on XX/XX/2021 to have the check reapplied and was again told I would need to call in each and every time I sent a payment to have the check target a specific payment. I informed the servicer that their website reads : " The easiest way to target your payments is to pay online. However, if you want to have all of your future extra funds applied in the same way, you can write to us and provide standing instructions [ ... ] You will need to specify how you want your extra funds applied to your individual loans, and you'll need to identify your loans by disbursement date and loan type ( which you can find in Account Access ). We can help you through this process if you contact us [ ... ] '' https : //accountaccess.myfedloan.org/contactUs/index.cfm I again asked for clarification that I CAN NOT send a check and have it applied to specific payments and was told not unless I call in after each check clears to have it reversed and reapplied. The servicer attempted to walk me through the online application system to have it ACH 'd from my account, which I have no interest in doing for extra payments. 

I informed the servicer I would be escalating this to the CFPB and advised they escalate the call to their immediate supervisor. The customer service representative stated he would note this call on my account. 

I have since provided an email through their platform using the CFPB sample template, but still feel I received inadequate information, false/misleading information, and that my payments were inappropriately applied. FedLoan Servicing has no incentive to honor consumer requests as students can not refinance their loan for better interest rates or, if they do, risk loosing federal-loan benefits. FedLoan Servicing is exploiting this loophole to provide poor customer service and inadequate application of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mortgage is an ARM. Bank is required to send an estimate of the new payment. In XXXX, the interest rate adjusted for the first time, but the bank failed to give ( correct ) estimate before the first payment at the new rate was due. 

XX/XX/XXXX Bank sends letter stating " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX Bank sends letter that LIBOR will no longer be used and the bank will let mortgagee " know in advance about any rate changes, including when they'll start and how they'll impact the payment amount. '' XXXX Bank sends letter reaffirming " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX  Grossly contrary to previous letters, Bank statement reflects new Interest rate of 7.500 %, and a Total amount due of {$11000.00}. 

XXXX  Requested a bank rep, over the phone XXXX, to send a copy of the letter stating 7.500 % would be the new Interest rate and {$11000.00} would be the new Total due. 

XX/XX/XXXX Bank instead sends copy of XX/XX/XXXX letter reaffirming " new monthly payment '' will be at an " Estimated Interest Rate [ of ] 3.000 % '' and the " Estimated Total Monthly Payment [ is ] {$7900.00}. '' XXXX Again requested a bank rep ( XXXX XXXX, over the phone XXXX, to send a copy of the letter stating 7.500 % would be the new Interest rate and {$11000.00} would be the new Total due. XXXX states the previous letters are just " estimates. '' However, mortgagee replies and points out that the letters also state, " If the index changes by the time we calculate the exact amount of your new interest rate and payment, that amount may not match the estimate above. IF THAT HAPPENS, WE'LL SEND YOU ANOTHER NOTICE WITH THE EXACT AMOUNT OF YOUR NEW INTEREST RATE AND PAYMENT XXXX MONTHS BEFORE YOUR FIRST NEW PAYMENT IS DUE. '' XXXX states the bank sent no such notice and she will escalate, but no further contact from the Bank was received on 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 explanation
Consumer complaint received 2018-04-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - I was informed by an apartment complex that I was applying to that my apartment application

was denied due to CoreLogic reporting that Fair Collections and Outsourcing collections agency has listed me as owing them over 3,000 $ in outstanding debt.
XX/XX/XXXX - After calling Fair Collections and Outsourcing four times, they have informed me that my social security number is listed in their system as being connected to someone elses name and birthday. I informed them that that is incorrect and that is my correct social security number, and no one elses. The company told me there is nothing I can do to verify this and they will not tell me any way to fix the situation or give me the information of the organization who sold this debt to them as being connected to my social security number. They told me it is possible that someone else has my same social ( which is impossible, and also untrue - i called the social security agency and verified myself. ) They constantly interrupted and raised their voices to me, even after asking to speak with a supervisor. This is causing me to lose an apartment when I am supposed to be moving across Texas in 5 days.

I have filed a formal identity theft report with the FTC and yet still, FCO refuses to give me information such as the name of the company stating that I owe them this debt.

I also would like to note that this debt is not present on any of my 3 credit reports, further showing that it is not my debt.

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 2023-03-08
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
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: Problem with rewards from credit card

Complaint:
Citibank was fined {$400.00} XXXX in XXXX, XXXX for money laundering by the Office of the Comptroller of the Currency ( OCC ). In an amazing coincidence, my Citibank Costco XXXX card was cancelled near the peak rewards period one month later. 

Citibank abruptly canceled my Costco Citibank XXXX XXXXard on XX/XX/XXXX due to a negative XXXX credit report for an unrelated {$300.00} disputed bill that went to collections for a XXXX account that was paid in full a month later. 

It is important to note that I had a spotless payment history with Citibank, perfect credit prior to this dispute, and was a Costco customer in good standing for 15 years. Costco could not understand why my card was cancelled. I sent multiple letters to Citibank explaining the situation ( unforwarded billing due to an address change ) and never received a written reply. I received a denial of credit renewal from Citibank on XX/XX/XXXX and was told my Costco voucher of accumulated points in the amount of {$410.00} will be forfeited and I would receive nothing. 

I wrote a letter on XX/XX/XXXX to Citibank explaining the situation in full and that I wanted my cash credit voucher sent to me in full. I further explained that this whole situation smacks of Citibank unduly leveraging small, unrelated credit incidents into a profit-making enterprise by denying elderly customers their rightfully earned reward cash benefits by an aggressive for profit card cancellation policy. 

I received an unsigned form email on XX/XX/XXXX stating I would be contacted shortly. On XX/XX/XXXX a Citibank Customer Service representative XXXX called to state that Citibank would not be issuing my cash reward. 

I would appreciate it if your Agency would investigate this. 
Respectfully, 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 2022-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with XXXX, which is partnered in some way with Fifth Third Bank. XXXX  is a scam. They hold your money hostage with no way to access your money. XXXX  will do nothing to help. Fifth Third plays a role in this. It makes no sense that this is allowed to go on. Somone needs to require a back to make funds available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: MS
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:
Experian Credit Agency is reporting IN- Formation that's in correct on my file which I've disputing with XXXX  & Experian it has been removed from XXXX XXXX but still reporting on Experian.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 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 2023-04-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year on XX/XX/XXXX, I send my mortgage company a check for {>= $1,000,000}. PHH is my mortgage company. I did write on the check Principal only payment # account number. This check was cashed by PHH. My mortgage amount didnt change. I wrote to PHH Customer Services on email on XX/XX/XXXX. They write to me that to recast my mortgage loan I need to send an extra {>= $1,000,000} to make it {>= $1,000,000}. On XX/XX/XXXX I sent a second check to PHH for {>= $1,000,000} XXXX wrote on the check Principal only payment # account number. This check was cashed by PHH. I wrote to Customer Service second time, on XX/XX/XXXX. They did request a recast for me with I didnt happen. Can you please help me? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting act XXXX XXXX XXXX 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 2021-01-16
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The. Hsn company. I got hsn account in 2018 and that not I'm hsn. account someone open.the hsn account them self I. Didn't live in that XXXX. XXXX XXXX. XXXX ks XXXX. And you will find out how the person is at all because it won't show up on any. Where at all

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-20
Company: Genesis FS Card Services, Inc.
State: OH
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:
Last year I applied for a Milestone credit card, also called Genesis F S card services. I kept the card a few months before activating it, which put me around XXXX for activation. I had to contact them of when the payment was due because I hadn't gotten paper work. They actually told me the wrong date, which I later discovered and put it on my credit report and it was their fault. That's not the big issue. 
My payment are due by the XXXX of each month. In XXXX of XXXX, I made my XXXX payment on XX/XX/XXXX. Then I made XXXX payment through their phone system on or about XX/XX/XXXX. The payment was cleared by XX/XX/XXXX. I started getting late notices about this transaction. I called Milestone and that representative told me to get my bank on the phone. I did and Milestone refused to accept what the bank was stating. The representative even accused me of not having enough money to go through. The bank representative told him that it had been cleared, the one on XX/XX/XXXX and the one about XX/XX/XXXX. 
I was in constant touch with them from 1-3 times monthly until about XXXX. I sent a notice stating that every late fee and over the limit fee they were charging me monthly to be erased because it was false charges. A couple times they told me if I paid {$80.00} that it would be fixed. Not so To shorten the story, I contacted them in XXXX of XXXX and they stated that someone else in my household ad a Milestone card. My question was what did that have to do with me because the last 4 of our socials and the last 4 of our card numbers would be different. I again said to the representative that I wanted all late fees and extra charges removed from my account. Her response was " But there's someone in your household with a card from us ''. Again I repeated what I said earlier about the socials and card numbers. She said, wait until you get the letter from us and it will explain more, but for now I owed XXXX XXXXXXXX XXXX and XXXX some dollars and it would remain that way. 
I believe I've over paid them by now. I also sent a request that they not renew my yearly contract with them. Close the account were my words. No one for a few months tried to seek out the problem just accuse me of not having enough money in the bank or not making the payment at all. I had to keep calling and they didn't start seeking anything until around XXXX when I told them if they didn't get this fixed, I was getting an attorney. After that they came up with someone else in the household, which still has nothing to do with your failing payment system and negligence. 
There were times after this I tried to make payments on their system, couldn't and I called and informed them of it. So glad this disastrous night mare is coming to an end and maybe now my credit can be corrected. 
Thank you for your help! 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation