BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account name BANK OF AMERICA Account number XXXX  Account type Secured Card I'm reaching out in hopes of settling this debt in order to restore 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 2024-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America Claim number : XXXX Amount : {$2200.00} I made a deposit, but it was not deposited due to a machine problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received two letters in the mail dated XXXX XXXX XXXX, telling me that two of my loans defaulted and if I pay them by XXXX XXXX XXXX then I can avoid them defaulting. I called to try and settle this. I was told on the phone that the two loans I was calling about didn't default but that one of my loans was in the process of being sold to a debt buyer. When asked why I received a letter about two loans that weren't defaulting, she said she wasn't sure but said that I have received several calls from them regarding my loans. They call me about 50 times a month and they also call and harass my family members regarding my loan payments. YET they didn't send me a letter about the loan currently being sold to a debt collector. They gave me ZERO chance to try and avoid it defaulting. When they called me on XXXX XXXX and I told them I couldn't afford to pay until I got paid on XX/XX/XXXX, they basically said " too bad ''. I am struggling to pay my bills and now there is a potential that my wages will get garnished because Sallie Mae DID NOT inform me that they were about to sell my loan to a debt buyer. I am FURIOUS when speaking to the lady on the phone all she said was " I've struggled myself, you'll get through this '' then proceeded to give me the number of the debt buyer while I was BAWLING my eyes out on the phone. I didn't write the number down or ask for it. I asked WHY I hadn't received a letter for the CORRECT loan in order to avoid it defaulting. She then stated that a letter was mailed out to me on XX/XX/XXXX ( which I have not received ) and she told me there was NOTHING that I could do. I am FED up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : Formal Notice of Violations and Request for Remediation Dear Amsher Collection Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Amsher Collection Services has handled my credit information in regards to account number XXXX and account number XXXX It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19.

I am formally demanding the immediate removal of this unauthorized and unverifiable items from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Moreover, I insist on Amsher Collection Services providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 

I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I put in a complaint prior to this that is currently still open they responded that they will check with Experian and get back to me. Its been two weeks and no response from the company.

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 2024-01-21
Company: Professional Finance Company, Inc.
State: NV
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand *no valid claim for any further payment* So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing XXXX and XXXX XXXX  as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: U.S. BANCORP
State: UT
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My state of Utah gov't unemployment benefits were direct deposited to the US Bank RELIA CARD . ( which is the card/acct they offer by default ). 
I called them and asked to have a card sent to me because I never got a card from them when I was initially signed up to that card service by the state of Utah. 
They over-nighted the card to me for {$15.00} and deducted the money from my balance which was just under {$2600.00}. ( {$310.00} per week for 8 weeks of back pay Utah owed me while they verified my identity ). I got my card in the mail UPS two days later and went to activate the new card and I kept getting denied on the activation process, so I called the number on the back of the card, and I was told my account has been closed for some period of time. And they refused to give me any other information at all other than I need to contact the F.U.I.. ( AND THEN THEY HUNG UP THE PHONE ) and everytime I go to call them they just hang up on me immediately once I identify myself to them. So now I don't know who the F.U.I. company is or anything that I need to do to move forward on this to 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
Consumer complaint received 2023-11-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2023 I requested documents, insurance documents, RightPath Servicing relied on to make the claim that the proof of insurance I provided, an HOA master policy, was insufficient coverage for the property. RightPath Servicing provided 43 pages of response letters, Note, Mortgage and other communications but not one insurance document they would have relied on to compare the master policy coverage to the HO6 coverage. In their response letter dated XX/XX/2023 it states : " You will need to call the condominium organization and the provider of the master policy to inquire about their classification for personal property, as we do not have enough information to comment on the matter ''. I have done as required, provided proof of insurance coverage to the servicer. The servicer is required to contact the insurance provider if they need clarification on " classification for personal property '' if the lender has any questions regarding such classification. The servicer, RightPath Servicing, has been provided the contact information for the insurance provider and must satisfy the reasonable basis for assessing a premium charge or fee related to forced placed insurance before implementing such a charge. The servicer has assessed a premium charge before satisfying a reasonable basis. If the servicer is unclear of the language in the master policy then the reasonable basis for assessing for forced placed insurance has not been met.The servicer also claims that forced placed insurance was previously in place but has not provided the requested documents to show proof of their claim. If there was forced placed insurance previously in place, that would mean my monthly charge for this insurance would have been included in my monthly mortgage payment but RightPath Servicing had increased my mortgage payment by {$1000.00} per month for forced placed insurance. The requested documents, proof of an existing forced placed insurance policy, is necessary to determine if the servicer was charging for a fee that was already being assessed. This complaint can not be satisfied by claiming its similar to previously answered complaints, this complaint is for failure to comply to a previously filed request for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-20
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Citibank put a block on my account for no reason at all. I called XXXX  times asking why there was a block on my account. The fraud department hung up on me each time and did not give me any reason as to why. At the same time that was my money which left me stranded in another state.

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 2024-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Wells Fargo was caught defrauding their own customers in multiple different ways. I received a letter in the mail stating I was one of their customers who had been scammed and they were offering to send me a check for reimbursement for the scam. I was told I would receive said check within 30 days. 30 days later after not receiving any check I called back to speak with their escalation department on why nothing has been mailed. I was then told 45 days was how long it would take..45 days later still no check and now am being told their is no timetable and no way for them to know when the check will actually be mailed. They have asked me for personal information over the phone including social, name, dob, as well as address at this time I am not sure that Im not being involved in a whole new scam as every person I have spoke with whether it be with the third party XXXX  XXXX or the Wells expediters I have been constantly given different answers to the same questions and Im stuck with no route to a resolution.

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 2024-01-19
Company: DriveTime
State: CA
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:
I've noticed unauthorized inquiries on my credit report that I would like removed. 
I've also reached out this company to no avail. 

Inquiry Date - 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 2024-01-19
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Service states that I owe them for an XXXX purchased in Maryland in the summer of XXXX. The phone is an XXXX XXXX XXXX XXXX. I have had the same XXXX XXXX since XXXX of XXXX. I have not been to Maryland in years. This debt is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have two mortgages with Truist, ( 1 ) my residence and ( 2 ) my rental apartment. Truist claims there is some kind of problem with insurance covering these mortgages.

I would like Truist : 1. To confirm that the insurance policy for the rental has been processed and I will not be asked
to pay lender-placed coverage.

2. To put the rental mortgage on XXXX so I can check myself the status of insurance coverage of my mortgages. 

In early XXXX I received a letter in the mail from Truist that my insurance policy had expired on the rental mortgage, and that if this was not correct, I needed to upload the information to XXXX When I logged into the website, only my home mortgage was listed, not my rental mortgage. I emailed ( 1 ) the insurance policy information to their website XXXX, and ( XXXX ) also asking them to put the condo mortgage on XXXX 

On XX/XX/year>, I received two emails from XXXX, the first stating they received my insurance documents, the second that they had processed them successfully. They do not identify which mortgage, I assume it is for the rental mortgage. 

On XX/XX/year>, I received a third email from XXXX that the documents had not been processed successful. Again, they dont identify which mortgage. On XX/XX/XXXX, when I log into XXXX the rental mortage still does not show up ; so I can not verify whether the earlier emails confirming the documents have been processed or not. Also I call their customer service number at XXXX. I can not get reach a person to clarify the situation without indicating which mortgage has a problem. This is ridiculous.

I would like Truist : 1. To confirm that the insurance policy for the rental has been processed and I will not be asked to pay lender-placed coverage. 
XXXX. To put the rental mortgage on XXXX so I can check myself the status of insurance coverage of my mortgages. 

I am writing to CFPB because I have had these kinds of problems with Truist before, and I want independent documentation that THEY are the problem, not me. My properties have the correct insurance policies, it is their processing and poor website management that is the problem.

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 2024-01-19
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Citi Advantage Platinum Select World Elite Mastercard. I closed the account early last fall. I cancelled a vacation and XXXX provided a refund. I didn't realize the refund was going to this closed account. I logged into my closed account to see that I had XXXX refunds from XXXX XXXX, XX/XX/XXXX, & XXXX. When I realized this had happened I contacted Citibank and they assured me that they would transfer the money to the checking account from which I had paid my credit card bills. They said this would take 3-5 business days. I did not receive the money so called back on Monday XX/XX/XXXX. I spoke with someone who said the refund had been approved but because of the holiday on the XXXX, I would receive the money on XX/XX/XXXX. I did not receive the money on XX/XX/XXXX so I called again on XX/XX/XXXX. At that time, I was told that the refund had not been approved so they would need 3-5 business days to approve it and then 3-5 business days to transfer the money if the refund was approved. I asked to speak to a supervisor and explained to her what had happened. She was professional but couldn't help. I asked to speak to her supervisor -- she said her supervisor would call me back within 24-48 hours. This did not happen. I just logged into my account again and saw that I now also have a refund from XXXX to this card. I had requested that XXXX send the refund by check. I just called XXXX and they said that now that the refund has been processed, there is nothing they can do. Currently, I am owed {$8300.00} by Citibank. They have had the majority of these funds since XX/XX/XXXX. I really need access to this money and they have not done any of the things they said they would do. I would greatly appreciate assistance. 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 monetary relief
Consumer complaint received 2024-01-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Atrocious Experience with Citi Diamond Preferred Card Terrible Card! Don't be fooled! I always receive an invite in my mail box about this Citi Diamond preferred card back in XX/XX/XXXX and that they are offering 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. I was convinced to avail. Now today, XX/XX/XXXX I was not even close to the 21 months of using it, but they already charged me exorbitant amount of money for the interest amounting to {$60.00} which makes my minimum payment of due of {$93.00}. I tried calling their customer service rep on the phone and even had the chance to talk to his supervisor to explain to me how this happened, they said I was offered 21 months in the mail by XX/XX/XXXX but as what they are seeing in my account, the 0 % APR is only good for 18 months. I asked them why would they advertise 21 months with 0 % APR for all their platforms but not stick to it and just give customers like me only 18 months. THEY CAN'T EXPLAIN THAT! I asked if It's because of the credit worthiness? For I do not have any late payments. Again, THEY CAN'T EXPLAIN THAT! They just told me that I will receive a letter within 7 business days about the dispute I am asking them. Very Bad customer service and very Atrocious Experience with the Card and their personnel! Beware of this Card! I want to file a formal complaint of misleading information. I would also like to know if they can remove this amount they put for my interest rate this month and still be able to get the 21 months 0 % APR like what they have been advertising all over their platforms. 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