BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have problem with Bank of America it's because there's someone using my information for Identity theft. That I withdraw money from Bank of America {>= $1,000,000} XXXX XXXX dollars going to XXXX XXXX. I don't have even money. But I am the beneficiary of my fiancee before back year 2014, but the trustee that he gave me he did not contact me his name is XXXX XXXX. He dont gave me my trust documents. So for sure thats why have identity theft going on under my name because the scammers knows that I am the beneficiary so thats the reason why they withdraw my money there in Bank of America. I want this to stop because even XXXX XXXX  I dont received anything yet. I want also to report Bank of America because I tried to contact them but they don't reply me. I want to know the truth. And I need justice. Was hoping to hear back from you soon. XXXX 

Sincerely yours, 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 explanation
Consumer complaint received 2022-10-07
Company: DISCOVER BANK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof on the evidence of indebtedness with this credit transaction. 

15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 
15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. 
According to 15 U.S.C 1681s-2 ( a ) on ( XX/XX/XXXX ) this company then closed the account and furnished an account on my consumer report without my consent. 

15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 
15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 
15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. 
I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have/had a loan with Citizens One Bank, XXXX, RI, Loan Number XXXX. This loan was procured for me by XXXX of XXXX, New York when I purchased my vehicle from them in XX/XX/XXXX. The loan was for a XXXX. This is one of the diesel cars that XXXX claimed was a fuel efficient vehicle and which was proved not to be and there is a large claim and settlement for this fraud on the part of XXXX. I sold my car back to XXXX on XX/XX/XXXX and I have a letter stating that, as part of my settlement, XXXX will pay Citizens One the entire balance of my loan which at the time of the filing of the claim was {$19000.00}. XXXX did indeed pay the loan on XX/XX/XXXX, and I was told by Citizens One, when I called them to confirm the payoff, that XXXX paid more than the amount due. They were going to issue a check to me for the overdue payment. I received my lien release letter on XX/XX/XXXX, but no check was included with the letter. When I called to ask about the check, Citizens One informed me that the money sent to pay off the loan had been reversed but could give no explanation. I contacted XXXX numerous times and finally on XX/XX/XXXX, and they could not give me an explanation either, only to say it would take 10 days to get me an explanation. I did n't have 10 days because Citizens One expected me to pay the upcoming loan payment on XX/XX/XXXX even though I no longer own the car. I will be filing a separate complaint about XXXX but Citizens One refused to take any documentation from me for the proof of the responsibility for this loan payoff and XXXX and Citizens One are not speaking to each other, even though I have given XXXX the contact numbers and Citizens One refused to take any information from me. A loan dept supervisor named XXXX very nastily told me that Citizens One does n't care what happened to the car, that I am the owner of the loan, and that payment was due and my credit would be adversely affected. Yesterday, I received two conflicting letters from Citizens One. One letter claiming my loan was paid off and the other letter sending me a copy of the check XXXX sent to them which was returned because XXXX apparently put a stop payment on the check. Today, I tried calling all the numbers I could find for Citizens One and their automated phone service would not respond to any of the prompts. I tried each number 2-3 times and the computer generated prompts just kept repeating the prompt numbers, press 1 for ... .etc. No matter what prompt I pressed, the message just kept playing. I have a letter from XXXX stating they will pay off my loan and now the loan is in arrears because XXXX has completely screwed up this whole transaction. I would really appreciate an intervention by any party that can assist me with getting these two entities to talk to each other and stop jerking me around. I also need that loan paid off ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XX/XX/XXXX I fell 2 months behind on my payment FHA loan to Wells Fargo. 
I applied online for the HAMP modification and began correspondence with a representative XXXX I have every thing ever promised in writing. 
He advised I cease correspondence with WF and sign a retainer with them at which point they would become the " representative ''. 
I would pay them a fee once their Underwriter approved it HAMP eligible. 
It took almost 3 months before my trial priod / retainer costs began at XXXX each payment. Of which i paid on time as agreed. 
Once that retainer period ended I received notification in an informal email telling me what i had been approved for by the lender being Wells Fargo and my new rate and terms. 
My initial rate was 3.875 % 30 year fixed They increased my rate to 4.25 or higher My payment which was XXXX and change then lowered to XXXX I was to make my first new trial payment to WF on XX/XX/XXXX of which i did. 
I then receive my bill for XX/XX/XXXX which states my XX/XX/XXXX payment was received but " unapplied '' It also stated that i was XXXX deliquent and my escrow now had a shortage due to non payment leaving my true new payment just under XXXX The paperwork was extremely demanding whereas online HAMP was supposed to be streamlined and fast. 
No one replies to me with written proof of the calculations used to determine the findings or result of such initial trial to Wells Fargo. 
Simply, if you do not sign with in 24 hours this offer will be null and void. 
I am seeking a class action law suit for borrowers who have attempted the HAMP loan and were not exactly helped but damaged tremendously from such actions. 
Because of the late payments now reporting on both my credit and my poor mother who helped me co sign ( since I was divorced ) they demanded i not pay I am now unable to apply for credit. 
Now, only to be left with a XXXX back payment on my note An Escrow Shortage A possibility of losing 50 % custody of my children if I have no home to provide. 

Regards, 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 explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -XXXX XXXX acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXXXXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX opened XXXX -- XXXXXXXX XXXX acct # XXXX, opened XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I originally had a credit card from capital one that I could n't make payments on anymore in the amount of XXXX the credit card company charged off my account XXXX the statue of limitations after talking to attorney general 's office for my state on this type of issues is 4 years XXXX bought my account on XXXX and have been sending me letters and calling me the most recent letter has references that if they write it off they will send me a XXXX where I would have to pay taxes on this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a chapter XXXX dismissed bankruptcy with experian. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.

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 2023-04-05
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2017-03-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Chase bank has been charging me ridicioulous fees when I had money in my account but the real reason I 'm filing this complaint is because of bank closing my account and therefore rejecting my federal income taxes. I 'm a single of XXXX who has bills scheduled to withdraw from my account on Monday. My sons birthday party is Sunday and I now have no money to pay for any of that. I 'm being told that it will be an additional 5 weeks to receive a paper check. 5 weeks that I dont have! Because my bank lied to me when I called monay XXXX/XXXX/2017 to verify my account was open and that they can NOT close my account without my permission ( me calling back in to cancel it ). I was told that since I have money in there and pending transactions, my account can not be closed. That my account was not in closing status! Yet now on Friday XXXX/XXXX/2017 I call back to see where my refund money is ( due XXXX/XXXX/2017 ) and they tell me my account was closed and the money was rejected. 
This is fraud, bad consumer practice, and poor customer service. 
Chase feels since they are big bank they can charge and do anything they want and I 'm not standing for it. 
I work hard for my money. To support my children. Provide food, shelter and to pay my bills on time. 
Chase has put undue hardship on myself and my family by lying and doing things without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16
Company: Ditech Financial LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have a mortgage which change servicing rights to Ditech. In the loan docs it states in correctly that the insurance was to be escrowed. In the mean time Ditech failed to pay my taxes on time and due to a city property tax mistake my taxes were over paid by {$2300.00}. I have since changed the escrow and requesting the insurance not be escrowed. The taxes are now being refunded directly to Ditech and I have requested the make a one time payment for the insurance. The previous servicer failed to pay the insurance for 9 months. Now I am requesting the they make a one time payment to my insurance and discontinue future payments, and calc esrow going forward correctly without the insurance. Been since XX/XX/XXXX trying to get them to get someone to correctly get it write in my account 4 call 12 representatives. On top of it I am a 30 year financial services exec with years at XXXX for the XXXX, I well understand this business but the agents and system at Ditech gets on one who understand all aspects of this error. They will now include it in the escrow and will not issue a one time payment without changing the escrow analysis. It 's around around in circles.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo Home Equity Loan opened on XXXX, 2004 is showing up as an Open Account on XXXX. I have reached out to Wells Fargo in an attempt to have it closed/removed with no success. They had me send a fax with all the info and was told it would be removed in a couple weeks. I have done this multiple times. It 's now been a year. I 'm unable to provide the loan number because I was taken off the loan when I was divorced. I 'm also unable to provide my x-wife 's social security number because were not married and I do n't have it. How do I get this removed from my credit report if Wells Fargo refuses to contact XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
PNC IS REFUSING TO REMOVE 2 VERY OLD ACCOUNTS FROM THE CREDIT REPORT EVEN AFTER PROOVING THAT THEY WERE IN VIOLATION OF FEDERAL STATUTE OR LIMITATIONS ...

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 2017-03-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
If you XXXX the " homeowners protection Act '' it 's described as 'Homeowners Protection Act ' A law designed to reduce the unnecessary payment of private mortgage insurance ( PMI ) by homeowners who are no longer required to pay it. The Homeowners Protection Act mandates that lenders disclose certain information about PMI. 
In my situation I am not being protected from Paying PMI unfairly ... ..but rather unfairly being required to carry it through XX/XX/XXXX. Let me explain : my property 's appraised value at closing of my loan in XX/XX/XXXX using by bank 's preferred Appraiser was $ XXXX, my current principal balance is {$260000.00} making my Loan to Value : 76.19 % under the 80 % requirement needed to " drop PMI ''. However my lender is not using the appraised value to calculate my LTV but rather my purchase price of : {$310000.00}. They present my " LTV '' on their website as : 84.9 %. At first I struggled with their own representatives to be able to explain what was happening and why my Loan to Value was being calculate with a number that was not my value. Only after running the ranks did management explain that they were following the law laid out in the " Homeowners Protection Act ''. Imagine my dismay, learning that the law that is named to protect me is cheating me out of {$35000.00} of my homes equity??? Even better yet their website tells me that the approx. date I will reach 80 % Loan to Value is XX/XX/XXXX ( rough math tells me I am looking at approximately 30 more months/payments of PMI in the amount of {$170.00} or {$5200.00} over that period ) That 's a real kick in the teeth. Can you please help change this act to protect Homeowners from paying Private Mortgage Insurance unfairly?

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 2017-03-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recieved my credit report and I noticed incorrect and inaccurate items I wanted to dispute them I used the address provided multiple times on the report equifax sent me only to find out that the address is invalid by the United States Post Office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I received a billing statement for a debt which was under Bankruptcy in XX/XX/XXXX. I had previously attempted to negotiate with USAA with no results. The billing statement I received stated " Total Past Payment Due '' and " Total Payment Due '' of $ XXXX XX/XX/XXXX. I went ahead and submitted the payment on XX/XX/XXXX. On XXXX I received a cell phone message from XXXX, who was handling the Settlement Agreement, asking to contact her. When I contacted XXXX, she was unavailable, but I spoke with a representative from the Settlement Agreement Department who stated that this was not the total payment due. I told her that I could not afford what they were asking for and to return the checks. She stated that they would return the checks. On XX/XX/XXXX, I noticed that USAA unethically cashed the XXXX checks. I immediately contacted USAA multiple times and was transferred from department to department, placed on hold ( at one point up to XXXX ). Eventually, a representative stated that the statement had been sent out in error. Yet they cashed the checks. I have been trying to contact USAA for answers with no results. USAA is committing unethical practice and would like an explanation?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation