BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX, I applied for a refinance loan with Bank of America. The rate was locked for 90 days. Immediately, I started having problems with Bank of America 's Navigator, being unable to sign in and view the loan documents. For months this continued on with BOA not willing this fix this problem, which made it impossible for me to provide documents to them in a timely manner. On XX/XX/2021, I spoke with supervisor XXXX XXXX about listing our property for sale. She never told me that I should not list this property for sale during this loan application. On/around XXXX, I made a request by email to supervisor XXXX XXXX for a Reconsideration of Value on the Appraisal. Almost three weeks after requesting this, Mr. XXXX finally acknowledged that he had started this request. During the last week of XX/XX/2021, XXXX XXXX informed me that since we had listed our property for sale, BOA would be denying our loan, but he would try to get an exception made to continue the loan process. On XXXX, he told me the loan had been denied, and we must start over with another loan. I have made multiple requests for BOA to send me the documents that state that we must not list our property for sale ; including requests for a copy of the " exception denial ''. BOA refuses to give me these documents. On XXXX, I received a total of nine emails from the BOA 's Navigator, which I can not sign in on, which I assume is for this second new loan. BOA has accused me of falsifying question 5a on page 10 of the loan application. BOA 's underwriter has harassed me with ridiculous questions. I feel discrimination against me has been involved during this first loan process. BOA has not mailed to me this loan denial, nor anything else. I spent a lot of time and money on this first loan application. Now, BOA is trying to make me do this again with a second loan application. BOA needs to send me the documents that I have requested ; and they need to stop this loan denial ; so that we can close on this first loan before the rate lock expires,

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 2023-11-27
Company: EQUIFAX, INC.
State: NJ
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted in regards to a refinance and I accepted the rate and signed in XX/XX/XXXX. I was later contacted and advised that paperwork was being audited and that there was a mistake made by the notary and that it was nothing that I did wrong. Due to the error made Village Capital was offering me a better rate and a lower monthly payment that it would not be due until XX/XX/XXXX. The loan officer set a date and time for the notary to come back out for me to resign the paperwork on XX/XX/XXXX. That date came and passed and the notary did not come as planned, I reached out to the Loan Officer to try to let him know and see if we needed to reschedule and he never responded. I called  and emailed weekly with no response on the status of this refinance, the last time I spoke with my loan officer I asked him if this takes more time than expected would it affect my score or what I should do and I was advised that since I'm in the middle of a refinance I will be fine. I checked my credit report today and noticed that I have a 30 day late payment and no one has returned my calls to let me know what is going on. I have emailed and called several times with no response and no one is telling me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 604 says I have the right to privacy and 15 USC 1681 604a says they can not furnish anything without my written consent and I did not give written consent to to report anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep dissatisfaction and concern regarding the unsuccessful outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the fraudulent entries persist on my credit report, creating substantial financial and personal challenges. 

I am deeply distressed that, despite my sincere efforts and adherence to the required procedures, the fraudulent items persist on my credit report. This ongoing issue is not only detrimental to my financial standing but also poses a threat to my overall well-being. 

I kindly request the following actions : A thorough and expedited reevaluation of the documentation provided in support of the dispute. 
Immediate removal of the inaccuracies associated with the fraudulent items from my credit file. 
Transparent communication outlining the resolution process and the steps taken to rectify this matter. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: NJ
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 customer service

Complaint:
I got locked out of my online account because entered the wrong answer to the security question. There was no way to change fix this online and my only option was to call Citi. I called their general business card line and after clicking the option to speak with a customer service representative I was placed on hold for 40 minutes. I called the Government line ( GSA line ) and reached a customer service representative within 5 minutes. She told me that I would need to speak with another customer service rep to get my account fixed and i was forwarded to a different department. I have been on hold for 17 minutes so far and have no expectation of speaking with someone soon. This is absurd! This is a government issued card, i did not choose citi on my own. I need to see my card balance so I can pay it, but Cit has wasted one full hour of my  time already. 

Despite the wait time, my biggest complaint is that there is no way to complain to the firm directly on their website or on their contact page. There is not email provided, only a phone number which has a wait time that will exhaust most customers who want to complain. Citi management needs to be made aware of this problem but I have no means of reaching them.

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 2018-05-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account with XXXX XXXX XXXX XXXX was never late, however it is showing late payments on my credit report. The creditors have asked me to dispute it with the credit bureaus. below are the months that are reporting late. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First lets start off with me disputing this account with the credit bureaus. Time after time Convergent Outsourcing verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Convergent Outsourcing. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account. 
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.

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 2019-03-20
Company: Franklin Collection Service, Inc.
State: MS
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 have submitted several letters to XXXX  showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX  and XXXX have deleted this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: BARCLAYS BANK DELAWARE
State: IL
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:
On XX/XX/XXXX ( pre COVID 19 ) I charged a gym membership to my Barclay 's issued UBER Visa card in the amount of {$500.00} for a two-year membership. I was renewing my membership for the third time since I became a member there. Then in Illinois, we were shutdown in the month of XXXX which included gyms. At the end of XX/XX/XXXX gyms were permitted to re-open with restrictions. The gym where the membership was for did not re-open yet, which was not uncommon in many cities. So I waited a couple of weeks, and people were posting on social media that the gym was going to reopen in XXXX. I tried calling the facility multiple times, sent them an email to their general mailbox, and also posted a few times on their social media page to inquire when they would re-open. I waited because who would have known with the current environment we live in that they still might not open. So at the end of XXXX, I wrote a letter to Barclay 's to dispute my charge of {$500.00} because I saw that equipment was being removed from the gym location, indicating to me that they were not reopening. On XX/XX/XXXX and XX/XX/XXXX I got letters from Barclay 's stating that my dispute was assigned to a specialist. On XXXX I received a letter stating that my dispute was being rejected because too much time had passed between when the charge occurred and when I disputed it. The only reason why there was so much time between the two events was because of COVID lockdown, not because I was just procrastinating disputing it. The rejection was only because of the general rules that do not take into account what we are currently facing in today 's environment. The charge was for a two year membership, not a one time purchase, and the fact that Barclay 's never even reached out to  me to discuss the situation indicated to me that they only rejected it because of the time line, and did not even take the time to understand what the charge was for and the events that let up to the dispute. 

On XXXX I called Barclay 's number on the rejection letter and was told there was not anything the Relationship Manager could do for me but I could write another letter to have my case re-opened but  there was no guarantee that it would get resolved either because of the time that has passed between the charge and dispute. It's hard to communicate this information in a letter when it is much easier to explain it over the phone with a simple phone call.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time 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 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Before I start I want to notify I reported what happened to the XXXX XXXX County Police on XX/XX/XXXX : The report was registered from Cpl XXXX # XXXX Report # : XXXX Phone # : ( XXXX ) XXXX - XXXX email : XXXX On XX/XX/XXXX I applied for a job on XXXX  : " XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MD '' The day after I received an email from XXXX XXXX Subject : XXXX XXXX XXXX ( invitation to interview ). 
I followed the instruction creating a gmail account and contacting on XXXX Ms. XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. These people I just named ended out to be fake people who were able to steal {$5400.00} of my money because my bank, Capital One, missed to communicate me that the checks these fake people sent me, were not covered, instead the morning I went to my bank for the withdrawal my account showed the money had been deposited. Misled by the wrong information I trusted these fake people and withdrew {$5400.00} from my account and deposited it on an account on XXXX XXXX. After that, these people disappeared and the checks I previously deposited on my bank account were reversed. 
All documents I am attaching have been filed in the Police Report. 
I spoke to the branch manager who told me the bank is not responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I found out that 5/3 Bank improperly managed my escrow account on my home mortgage again. I paid my mortgage payment/insurance but they failed to pay XXXX bureau insurance 2 separate occasions, then their 3rd payment failure left me unknowingly without homeowners insurance from XX/XX/XXXX until XX/XX/XXXX. They also failed to track down money they paid out of my escrow for the homeowners insurance for XX/XX/XXXX to XX/XX/XXXX but say i was not covered, my {$1200.00} is still missing months later & no one has contacted me. Due to negligence by 5th/3rd Bank , my house was unprotected for over 365 days! Once I found out, I got a new policy with XXXX  effective XX/XX/XXXX. However 5/3 bank just sent Me a letter ( XX/XX/XXXX ) stating that they purchased a policy on XX/XX/XXXX for {$2700.00} that I have to pay but doesn't cover me, it only covers the 13 days that it took for me fix their mess & get a new homeowners policy XXXX XXXX XX/XX/XXXX. THEY JUST DID THIS AFTER I FILED THE 1ST COMPLAINT, THIS IS CLEARLY RETALIATION AGAINST ME, THE SOLE PROVIDER TO A FAMILY OF XXXX! EVEN THOUGH I PAY MY MORTGAGE PLUS {$300.00} EXTRA EVERY SINGLE MONTH WITHOUT FAIL. THEY HAVE THE NERVE TO FAIL TO PAY MY ESCROWED INSURANCE POLICY ONTIME SEVERAL TIMES NOW, LAPSED MY HOMEOWNERS FOR 365 DAYS PLUS THEN TRY TO CHARGE ME THOUSANDS FOR THE COUPLE WEEKS IT TAKES ME TO SORT OUT THEIR MESS! 5TH/3RD BANK IS TRYING TO STEAL OUR HOME!

Company response to consumer: Closed with explanation