BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2022 I closed my BofA account, paid my outstanding credit card bills in full and consequently called ( this is the only option BofA provides for cancelling/closing credit cards!! ) to cancel/close my credit cards ( mine and my wife 's ). 
After this date I received added charges on these cards for which the bank wants me to pay. I do not accept these charges as they happened after cancelling/closing the account. 
- I contacted the bank by telephone to no avail. There was " nothing '' the operator could do other than suggest I pay the bills - I have sent XXXX!! registered letters to the BofA address as advertised on their website and both returned with the message " return to sender not deliverable as addressed unable to forward '' - There are no other options to contact the BofA about this issue. BofA refuses to respond in writing or any other recorded conversation. 
- I currently do no longer live in the XXXX and can not visit an agency There is a gross disrespect for the customer and an intended neglect of the issue by the BofA. The BofA tries to force the customer to pay by making proper written communications impossible to resolve the issue. A court action is an option no easily available to most and to costly against a giant like BofA. I would hope that the CFPB can address this with the BofA

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 2022-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am very curious how and what change in my Experian Report. Sold my home in XXXX paid off all 99.99 % of my debt same month. My score jumped up over XXXX. Now with no changes for almost 5 months just today my points decreased by XXXX points why the other XXXX credit agency still hold over XXXX credit score. I would need a explanation what Experian did to my report in the last XXXX hours.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had some issues with someone using my information to apply for accounts in my name. I have had issues in the past with my information being compromised I am trying to do my best to protect the integrity of my credit file. The following inquiries and not mines and were never authorized by me or my signature. I have filed a dispute letter and never received a response back from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these inquiries were authorized by me and I do not have an account with any of these companies.

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 2023-03-10
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022 I had a BPO done on the property for PMI removal. The evaluation came {$140000.00} lower than 3 offers I received on the property to be purchased just few months prior. The CMA on the house is {$500000.00}, Caliber itself send emails each month estimating the value to be at around {$500000.00} and the Evaluation came at {$360000.00}. Upon receiving the evaluation I called Caliber to request an appeal. I was told by a rude representative that that is not an option to me and there is nothing I can do to change it. 
After several more calls to Caliber, my case finny made it to the Service Manager, who called me on XX/XX/2022 and stated that she had listen tonal the phone calls I made to Caliber and I was wrongly told that I could not appeal the BPO, and I requested it within the time frame that allowed for the appeal, and because of this reason Caliber will order another BPO at their expense. On XX/XX/XXXX I met at the property with the new BPO to inspect the property. 2 month later, on my XXXX call to the bank to request the Evaluation, I was told that it was not completed because the Broker was not able to reach me and schedule the inspection. Again, I was in the house with the Broker who took pictures, on XX/XX/XXXX. 
I tried to talk with a supervisor, with a manager, they keep on taking messaged and no one is calling back. Meanwhile I am paying {$100.00} each month for the PMI. 
XX/XX/XXXX I received a call from another Broker trying to schedule a time for looking at the property. Caliber did not notify me they ordered another BPO. On XX/XX/XXXX he came to the house. I do not have any trust left in Caliber anymore. I am worried they are trying to get a low value on the BPO to not drop the the PMI. 
XX/XX/XXXX I show a letter saying The AVM ( Automated Valuation Model ) did not meet the LTV requirement. 
I feel hopeless. My LTV is about 60 % and its been a fighting to have Caliber drops the PMI. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have complained and complained For months to equifax and the cfpb and they have violated my rights for months! 

I have made complaints and they continue to fail and not allow me to see my credit score. 

I demand to me compensated the {$1000.00} because Equifax are liars and thieves. 


Please order Equifax to compensate me for the violations. 

See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Telsa Motors Inc
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We emailed and spoke to Tesla finance and they did not resolve our issue. They do not have our loan balance on our monthly statements. You have to call each time you want to know what your account balance is. When you call they have you leave a voice mail and will return your call later. They will also not allow us to pay extra each month on our monthly loan payment. You can only pay the monthly contractual payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  XXXX XXXX XXXX is reporting a debt I do not owe. I made my last payment in XX/XX/2015 and gave a 30 day notice to indicate I was leaving. They are trying to charge me for the entire time that the apartment was vacant before new renters. This debt should be past the statute in California as the date of last activity they have 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 explanation
Consumer complaint received 2022-11-15
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
U.S Bank refused to provide me credits for fraudulent charges on my account from XXXX XXXX. They said that they could not help me because I did not report the fraud within 60 days of when it happened, but that is a lie because there were also fraudulent charges on my account from XXXX that occurred more than 60 days ago that I did get reimbursed for. The dates of the fraudulent charges from XXXX were as follows : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Plus, they said that provisional credits of {$13000.00} should have been put into my account regardless within 10 days from XX/XX/XXXX, and they did not. They have lied to me and failed to protect me against fraud. The charges from XXXX were just as much fraudulent as the charges from XXXX and it does not make any sense as to why they gave that money back but not the money from XXXX. They are breaking 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 explanation
Consumer complaint received 2023-01-17
Company: Nationwide Recovery Systems, Ltd
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide Recovery is attempting for the second time to collect this debt, see attached previous claim with you, number XXXX. As with the first they never sent me a notification through the US Mail, a direct violation of federal law. Please find attached the most recent attempt to collect this debt. Also, please find again, where previous collection agencies attempted to collect this debt. Nationwide is the 5th different agency to attempt to collect this debt, which was never verified. As with their first attempt ( third over all ) please delete this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/2022 - federal student loan remains on pause, however according to my Aidvantage account I owe on all my loans as of today. Attempting to access email or online help is futile as it only asks you to log into account- which I already was - only to get stuck in a loop of logging in, No help, logging back in. 

If I have to pay I will because I dont want the incompetent practices going on already jeopardize 10 years of flawless on time payments through XXXX  - this is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage continues to have inefficient processes for determining the upcoming escrow dues to payable parties such as the tax collector. I received a notice of tax dues from my property appraiser 's office with XXXX potential sums, none of which add up to the total sent by Rocket Mortgage to my tax collector 's office ( they sent {$2300.00} on XX/XX/22 ). The highest amount owed to the tax collector would have been {$2100.00} ( see attachment ) -- a net difference of - {$190.00}. 

This is not the first time in which I have had to lodge a complaint against Rocket Mortgage and their inadequate escrow calculation processes. When a servicer fails to properly manage an escrow account, it creates an undue burden on the consumer. Not only do I need to take time and effort to remedy this, but an upcoming escrow analysis will clearly put me into the negatives, thereby grossly increasing my escrow payments due to the servicer each month. I believe this is an unfair practice that the client can not reasonably avoid and am citing XXXX as precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: N.A.R., Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are two instances that I'm writing about.

First is with XXXX, they are reporting that I had three accounts with them when I only had two accounts and I have asked them to consolidate the collections into one account rather than three as it is affecting my credit and I do not want to begin making payments until that is resolved. 
Second, is with XXXX  XXXX XXXX XXXX and north american recovery, They are charging me, what I feel is an exorbitant amount of interest, but also it is supposedly from an overdrafted account but I received a final paycheck to that same account that should have more than covered the amount to have been overdrafted and I am being refused helped when it comes to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a Capital One 360 checking account with promotion code BONUS400. Per the terms of the order, if had to : open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX and enter promotional codeBONUS400. Then, I had to receive at least 2 direct deposits totaling {$1000.00} or more to my 360 Checking account within 60 days of account opening. 
Then, I would receive my {$400.00} bonus to my checking account. 

I received two direct deposits of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX, totaling {$1000.00}. So I completed the requirements nearly 3 months ago, but I still have not received my {$400.00} bonus. 
I called the company, and they said I did receive the direct deposits of {$1000.00}, but that I had not entered the code BONSU400 when creating my account. 
This is patently false. I did enter the code, and I have a screenshot to prove it. See attached screenshot that shows my name, account number, and promo code of bonus400. 
CapitalOne said they would create a case and look into and respond within 1 month. They could not give me a case number and there is not way for me to track my case. 
I need CapitalOne to pay me my {$400.00} immediately as I am legally owed per their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Wells Fargo is charging me 24 % on my credit card unpaid balance for no logical, justified or apparent reason

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: IL
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:
I pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called XXXX XXXX XXXX claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/2020, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: SC
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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: MT
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I started a Business relationship with Navy Federal Credit Union ( " NFCU '' ), in XXXX My goal was to build a good standing relationship and pursue future investment ventures. A conflict arisen between my account and my grandmother 's, XXXX XXXX, and they have ruined both my life and her life. A procedure that typically would be to protect us against fraud, turned in to a nightmare with XXXX tones. We called and spoke to everyone whom NFCU required. Furthermore, we submitted all requested information. In addition to the aforementioned, my grandmother physically drove nearly XXXX hours away to present the requested documents and present ID and nothing was enough. NFCU actually had the audacity to call the police and send them to my grandmother 's home, for a well fair check and it was proven to be unnecessary. Our records with NFCU has hundreds of notes and no one has resolved this issue in nearly XXXX years, to XXXX XXXX we decided to wash our hands with this institution. I have a credit with NFCU with a XXXX dollar balance ; however, I also have an account with NFCU with XXXX or more in the account, which is untouchable due to the aforementioned circumstances. 

I recently learned that NFCU will not allow me to access account funds ; however, they have a policy that allows them to pay themselves toward the XXXX balance. I requested for them to pay the entire balance in a written letter and authorization ; however, they have continued to only pay the minimum and continue to collect late fees and interest fees. This is XXXX poor customer service and robbery. It has created substantial financial hardship and extreme anxiety. 

This matter could have easily been resolved ; however, NFCU, through their lack of transparency, broken systems, lack of accountability and crooked tactics have made this a huge mess. Being that I have never experienced this with another bank, one can not help but to wonder if this is racially motivated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation