BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB I am writing about my credit card that i had since XX/XX/2015. My credit card was closed. i called to find out why they informed me that supposedly i tried to call me verify if i changed my address and they were not able to, I responded that yes i changed my address and nobody tied to reach me and ask me if i changed my address, after escalating situation to supervisor i was told to go to branch and provide driver license SS card and my recent pay stub to personal banker so my account can be reopened. I went to branch and provided all requested documents and personal banker asked me to fax to number XXXX XXXX XXXX which i did, after couple days i called to get information i was informed they can not verify information. which is not accurate i provided valid and genuine documents and i was inside branch two different occasion. I do not want my account remain close because its my oldest account and it will have effect on my credit. 

I AM GIVING MY CONSENT TO DISCLOSE ALL INFORMATION HERE AND COMMUNICATE HERE IN CFPB WEBSITE 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 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One has sent me personalized pre-approval offers for credit cards. A few times they have denied me after pulling my score. Now for the biggest issue, twice they approved me after pulling my score, but before I even received the credit card they close my account. I have spend hours on the phone to then not get any help nor answers. I plan to check with a few lawyers and family lawyers to see if suing is a option because Capital One continues to mess up my credit which is hindering my ability to apply for other things. 

Second Time Break Down : - XX/XX/2021 - Received personalized offer - XX/XX/XXXX or XX/XX/2021 - Applied - XX/XX/2021 - Approved ( after sending requested documents ) - XX/XX/2021 - Card shipped with estimated delivery or XX/XX/XXXX & XXXX - XX/XX/2021 - Still no card and account closed Thus, leaving me without a card that was to be used for a bill, another new inquiry, a low credit score and two missed opportunities because I went with their Pre-approval. 


*Updated - while typing this and on hold, I was basically told I was banned from their Credit card products, but still don't know why. Before the rep said that he asked if ive ever gotten into a argument with a rep in the past. 

No matter what, if you block or deny business with someone ( FYI i still have bank accounts with Capital One ) don't send them PERSONALIZED ( My Name and other information ) Pre-approval/ Pre-qualify for that same exact product. Especially if it can mess up their credit and personal life. 

My advice, stay away from Capital One. Too many issues and when you call in you get the run around and manager ( some ) that feel they can talk to you like a child while being disrespectful. I will be closing all accounts and doing my best to sue Capital One for messing over my credit scores 6 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: VA
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:
The reason being that I have made on time payments, however they were not used to pay my balance, instead they were placed on my escrow account. My mortgage payment on XX/XX/XXXX was not moved to pay my account as the taxes that year have changed. I called the same month to try to pay the balance, but was told I could not do that, that a check would be sent to my with my payment and I would have to make another payment with the entire amount. I have never received said check. 
Since then, XXXX has reported my payments being late, even though I have always made on-time payments ( I have set up automatic draft from my bank ). I continued calling XXXX to try make corrections since XXXX!. In XX/XX/XXXX, I again spoke to a representative and they were supposed to move the payment from XX/XX/XXXX ( which was in a reserve account and not applied to my monthly bill ) into my monthly bill payment, Again, this did not occur. I tried calling again to get this fixed, and each time a representative would come up with a different solution but nothing was done. Finally on XX/XX/XXXX, I got through a representative that corrected the issue. They stopped the late fees, moved my payments from XX/XX/XXXX and XX/XX/XXXX from reserves into account payment. Now my account is balanced. More than a year later! This has greatly affected me. XXXX Mortgage has been reporting late payments for over a year to all three credit agencies, which has damaged my credit score. Furthermore, I have been charged with late fees that should not be there. I have contacted XXXX in writing on XX/XX/XXXX, as well as the 3 credit buraus, XXXX has denied any wrong doing. I have NOT been late on my payments from XX/XX/XXXX to the present. Also, I though there was supposed to a cushion in Escrow account to prevent any changes in payments.

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 2023-10-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom it may concern Citi bank blocked my account after I transferred my money from my XXXX XXXX  savings account to citibank checking account number XXXX they are not giving my funds stating i will receive them after XXXXdays they cant do that without any reason and holding my money that i have to use for my living they not responding just saying you will receive funds in XXXX  days. Nobodys helping me i demand consumer finance to escalate this case so i can get my funds i talked to citi executive respond unit name was XXXX Tel. XXXX Citi Reference Number : XXXX Nobodya helping me all they stating we have the right to terminate services as i understand but they cant hold my funds for 60 days

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 2020-02-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
" I am writing again to reiterate my request for assistance. I really have no where else to turn and can not believe I am being denied help on the basis that the delinquency amount is too high especially considering how many times in the past I attempted to obtain aid. Your response has proven that I am nothing but a number to you and your affiliates. Yes, I see clearly where it was outlined in XXXX and XXXX ( my initial pleas for help ) that your lifeless computers and investors used a formula to determine I was not worth the time, money and effort to assist. I don't care if it was a similar procedure to the one used by the Making Home Affordable Program. I urge you to remember that it was put in place to help people like me. People who where struggling to keep their homes through proof that there was financial hardship ( s ) AND still an ability to make the monthly payments after a potential modification. The current reason for my denial is the delinquency of my account. I understand that, however, this would not be the case had I been approved the first time years ago. I have a way to pay, I just need this chance. This home is my life and I don't want to lose either. As it stands, I already have enough battles with my XXXX. Every time I have another session for a my XXXX, it leaves me completely drained. I am not able to think straight and I can not function like I normally do. This is not an easy process for me. Never did I think in all my years that I might one day have to go through this kind of trial. Everything is being taken from me as my years and health slip by the wayside.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
Hi I recently checked my credit report and realized that the following account from XXXX XXXX  XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.

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 2023-01-20
Company: EQUIFAX, INC.
State: TX
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, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXXXXXX XXXX and XXXX have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I let these agencies know about these errors beginning in XXXX of XXXX sent evidence police reports and they continue to report and supply the same information without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Selene Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In a nut shell- My mortgage was sold to Selene Finance XXXX XXXX, 2021. ( that is all I know ; I understand Selene is not a bank yet I can not get info on who actually owns my loan ) I received the run around ever since. I set up auto pay from the beginning with Selene. They continued to say I did not and never had record of any of my contact with them. I have spoken to more representatives there than I can count. They never follow through with their promises to get to the bottom of problems and lie saying they'll remediate the issues then call you back, they never do. ( even if I talked to someone who sounded genuine ) In the end they merely hang up on me after treating me with condescension. 
My mortgage was sold, XXXX, 2021, Selene began servicing. They ruined mwould y credit after reporting me delinquent for nonpayment ( XXXX ) months in a row saying I did not set up auto pay. I finally had them draft the full amount ( s ) they said I owed, including all fees because they sent me a foreclosure notice. They will not repair my credit or take any blame, rather they continue to claim communications and " set up '' did not happen. A {$12000.00} Mortgagor escrow overage check was issued ( I saw on my online account ) which I never received. Each time I expressed this on phone calls the reps would put me on hold, transfer me, then finally claim that they redeposited the funds back to my account. They did not. I have been told I have a deficit in escrow and they raised my monthly payment to an amount well above what I was paying with the former mortgage bank. I have always carried homeowners insurance and always submit my insurance declaration page if/when it is requested, as does my insurance agent on my behalf. Selene continues to charge me outside insurance no matter how many times I prove ( as does my insurance agent ) I hold insurance, and always have. They have lied to me saying, " Just be patient and it will all be worked out and be removed. '' but it has not and does not. I have been charged insurance, fees, late fees, been reported delinquent, and currently am being charged {$16.00}, XXXX for insurance on my home that I have insurance on! ( My top notch policy is $ XXXX ) PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed some fraudulent accounts listed on my credit report I then proceeded to reach out to the credit report agency to fix this issue but they did not fix the issue.

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 2020-09-14
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was alerted back in XX/XX/2020 that someone attempted to apply for a Lowes credit card in my name. I immediately called SyncBank and told them that the application was not initiated by me. While the person who applied was unable to open an account, it still shows up as a hard inquiry on my credit report. After SyncBank investigated, they ruled in my favor and stated that they would send notice to all three bureaus to remove the inquiry. It is now XX/XX/2020 and the hard inquiry remains 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 2019-07-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
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:
There are several companies multiple times in a short time period ( Im talking days ) that have pulled my credit without my written consent I have reached out to these companies, called, sent letters and they can not provide me with the accurate information of me giving them consent to fun my credit once let alone multiple times. 

Ace pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX pulled my credit on XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX XXXX pulled my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: PA
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:
I understand that pursuant to 15 usc 1681 ( a ) ( 4 ) the credit reporting agencies did not exercise there grave responsibility with fairness. They was completely unfair, and impartial. They even in fringed upon my right to privacy. Proof of this is they furnished multiple transactions which they can't even prove took place, and never even consulted with me through email, phone or mail to get proof these inaccurate transactions took place. Then what make matters worse they solicited and advertised these transaction for anyone to see. This is irresponsible, unfair impartial and infringement upon my right to privacy. They broke the law...

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 2023-01-20
Company: EQUIFAX, 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:
XXXX XXXX XXXX ( XXXX ) is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, 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:
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 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I tried two separate times to use the debit card for a merchant two weeks prior to the card expiration date, and both times the card failed. Then, at the end of XXXX, 2023, the card expired, and the Bank Of America confiscated my {$67.00}! To me, who is living on retirement income, {$67.00} is a lot, but to Bank of America it is nothing. Yet their greedy policy makes no sense and is immoral, if not illegal. I wish to regain my {$67.00}. 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 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had recently been alerted to a telemarketing and wire fraud against me from the DOJ by mail. I will include the letter that they have sent me regarding this matter. In XX/XX/XXXX a woman, XXXX XXXX XXXX court docket # XXXX case # XXXX, contacted me regarding a BOA credit card balance that was in collections. She stated that my BOA checking & savings accounts would be frozen, my car would be repossessed, and all of my assets would be seized if I did not pay her {$7000.00} immediately or make electronic transfer payments to her company representing BOA, XXXX XXXX XXXX, in the amount of {$860.00} for 8 months. She scared me half to death, told me she works with BOA law team and I agreed to make the monthly payments of {$860.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX firm. The payments started on XX/XX/XXXX XXXX XXXX XXXX. 

I submitted a claim with BOA about the fraud. They told me it would take up to 60 business days. I sent them all of the documents via certified mail and to their fax machine. Along with the DOJ letter, the Victim 's Rights to be Heard and Obtain Restitution with regards to Debt Collection Fraud Scheme, and the U.S. v. XXXX XXXX XXXX of the NC court where she plead guilty. 

BOA denied my claim because they said that I had waited longer than 60 days to report this fraud. However, I wasn't even aware of the fraud until I received the DOJ 's letter in XX/XX/XXXX. I was under the impression that I had paid off this debt. Now BOA is still trying to collect money, my credit is ruined, this woman is going to jail for 20-30 years, and I can't get my money back.

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