BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a complaint on XX/XX/XXXX I just now received my balance of {$6300.00} on XX/XX/XXXX. Thank you for that by the way, but I have not received my additional money taken from me by Bank of America. In my first complaint I mentioned they owed me my balance above, but they also owe me additional money, which they did not return. When I first filed my claim with Bank of America they gave me temporary credit in the amount of {$2000.00}, as I mentioned in my previous complaint that with all of the money being stolen from my card, I immediately took it off. I had thought everything was done, and I got my money back, but then on XX/XX/XXXX they took that money back, which put my account in the negatives. I guess they came up with the conclusion that I was a fraud, so it's understandable that they would take it back. Since my bank account was in the negative they froze my account, which meant I could not use or withdraw money from the account, and from then on every time I received money from EDD they took it until it was all paid back. They gave me back my initial complaint balance which included the temporary credit, but they have not given me back the additional money that Unemployment gave to me. From XX/XX/XXXX to XX/XX/XXXX, they took my unemployment money, that was supposed to be because I committed fraud. On XX/XX/XXXX {$210.00} and {$300.00} a total of {$510.00} was deposited, on XX/XX/XXXX {$300.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, and finally on XX/XX/XXXX {$210.00} was deposited in which I believe only {$2.00} was taken from it. All of this money was deposited by EDD/Unemployment, but I had no access to use because Bank of America took it, this is all additional money that was taken. It would have not been taken if Bank of America would have not deemed me as a fraud, as you see I am not because they returned my money and found no evidence. The amount of money they owe me is {$1400.00}. It's unfortunate I had to file another complaint in order to get the additional money they took, and neglected to return even though I mentioned it in my previous complaint.

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 2023-10-10
Company: Experian Information Solutions 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 address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-03-27
Company: CrossCountry Mortgage LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I entered into forbearance with cross country Mortgage LLC They told me my options in XXXX of XXXX I asked to leave the forbearance and asked for a loan modification. they said I pay a certain amount for three months and wait to see if I am approved. I call once a month and check to make sure I am doing everything right I have been sending them money every month and they have my money in a hold account I have been doing this now for a year and they have not let me out of loss mitigation they said I was approved for a modification and that I am now in closing I wrote them a RESPA letter asking for paper work I have not received a thing from them just a statement saying they are going to do an appraisal on my home and I have to pay for it I still calling them once a month and been told the same thing I was approved and that's all they will say. I have been trying to get out of loss mitigation and Cross Country Mortgage LLC will not let me out they have over XXXX XXXX of my money in a hold account I only owe them XXXX there's a huge difference

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021, XXXX XXXX from Macy 's Executive office asked that I pay {$170.00} that I do not owe from the Department Stores National Bank. 
I replied and showed proof that all charges on the XXXX XXXX card administered by Macy 's have been fully paid. 
I did not hear back from their office but instead my alleged debt was charged off according to a credit report and eventually sent to a collection agency, XXXX XXXX XXXX. 
I truly find malice in the steps that have been taken to collect {$25.00} for an XXXX subscription that I was not aware of but have been credited for by 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 monetary relief
Consumer complaint received 2020-01-27
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I used the Citibank online app to make a payment. The app stated that there was a problem with the system, please resubmit. I resubmitted per the instructions given. I then failed to notice that the payment had been charged twice until the second one bounced. On XX/XX/XXXX, I made a payment and again had a problem with the app. This time, the payment was pulled from the wrong account and again bounced. Finally, on XX/XX/XXXX, having moved some funds around, I made another {$500.00} payment and had the exact same experience, the website said resubmit, I did, and it double-billed me. This time, I caught it because of the generally miserable experience I had been having with Citi. 

Regarding the payment on XX/XX/XXXX. The funds were removed from my account on XX/XX/XXXX. They still have not been credited to my account and Citi states that it is because of the prior payment issues. I can understand holding credit until they are certain the funds are available, however, to hold my funds for more than a week after they have been received at Citi through the ACH process is simply unacceptable.

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 2023-02-18
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I call XXXX, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background very rude .Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email XXXX, Equifax, XXXX CEOs as last resort before I Sue them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX, Mr. Cooper Mortgage mailed a letter along with a check to my address with an incorrect legal name in the amount of {$4900.00}. Mr. Cooper Mortgage is not the originator of the loan, and over the past several years the previous mortgage company always paid the property tax bill directly to the XXXXXXXX XXXX XXXXXXXX XXXX. I faxed over the letter, the incorrect check which I marked VOID on it, and the XXXX XXXX Wisconsin Real Estate Property Tax Bill For XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX directly to Mr. Cooper Mortgage to ( XXXX ) XXXX on XXXX XX/XX/XXXX @ XXXX CST. A confirmation letter was received. In XX/XX/XXXX, I called to verify if Mr. Cooper Mortgage received the fax with the XXXX XXXX Wisconsin Real Estate Property Tax Bill For XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX stating payment due on XXXX XX/XX/XXXX. Mr. Cooper Mortgage company stated yes. I asked if the tax department paid the real estate property tax bill for XXXX directly to the XXXXXXXX XXXX XXXXXXXX XXXX since it was approximately two ( 2 ) weeks before the bill was coming due on XXXX XX/XX/XXXX. Mr. Cooper Mortgage stated no. The real estate tax bill for XXXX to the XXXXXXXX XXXX XXXXXXXX XXXX in the amount of {$4800.00} was finally paid LATE on XXXX XX/XX/XXXX. In addition, Mr. Cooper Mortgage states that I have a shortage in the escrow account in a letter dated XXXX XX/XX/XXXX in the approximate amount of {$5000.00}. The statement clearly shows a payment in XX/XX/XXXX in the amount of {$4900.00} in which the check was marked VOID on it sent via fax back on XXXX XX/XX/XXXX ; and a payment in XX/XX/XXXX in the amount of {$4800.00} for the real estate property tax bill for XXXX XXXX XXXX XXXXXXXX XXXX. So, now Mr. Cooper Mortgage is showing that payment for the real estate property tax bill for XXXX has been DOUBLE paid to the XXXX XXXX XXXX XXXXXXXX, not showing any credit for the VOIDED check in the amount of {$4900.00} which was faxed to them on XXXX XX/XX/XXXX. The 'new ' monthly mortgage payment is now approximately over {$400.00} in addition to the regular payment for the so-called {$5000.00} shortage in escrow which is utter falsehood and continued incompetence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  US DEPT. OF EDUCATIO XXXX  USDOE/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX US DEPT. OF EDUCATIO XXXX USDOE/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I have sent my first letter regarding invalid and unapproved things on my credit report. I have tried calling, sending a second letter on XX/XX/XXXX, as well as disputing items on the Equifax website. It has been over 60 days since submitting my first letter to Equifax and I have not received a response to my request to remove all invalid and unapproved items that are causing me stress, anxiety, and worry. I feel that Equifax has violated my rights according to 15 U.S.C. 1692g, U.S.C 1691e ( b ), 15 U.S.C. 1681. I would like Equifax to look into these items that are incorrectly showing on my created report as soon as possible. I am asking that these items be removed from my credit report as I will be seeking litigation to protect my rights. I would also like an updated copy of my credit report with the removed items to be mailed to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is the multiple time I've mentioned being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the consumer 's identity ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of such information; and ( XXXX ) the consumer 's statement that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX ; Chapter XXXX Bankruptcy XXXX XXXX Filed/Reported : XX/XX/2018 Reference # : 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 2023-02-27
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Lvnv funding is saying i opened up a account with them on XX/XX/2022 XXXXI DIDNT open a account with this company. They purchased this account as a charged off account with XXXX XXXX XXXX. My question is how is this possible? this is fraud putting on my credit report that i have a open account and it was a charge off. LVNV FUNDING XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have an issue with Exeter Finance not removing the hard inquiry due to the fact that I have paid the remainder of the debt to the third party they have sold the debt to. Under the CFPB, I demand this hard inquiry be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-07-06
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft BARCLAYSBK Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft BARCLAYSBK Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.

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 2023-02-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1. XXXX XXXXXXXX XXXX has violated my rights. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$2500.00} check using Bank of America 's mobile App on XX/XX/2020 and was made to understand that the funds will be available for items posting on my account on the next business day, XX/XX/2020. However, the funds were never made available and this caused an overdraft transfer of {$2500.00} from my Bank of America credit card to cover an outstanding balance .I incurred a {$12.00} fee as a result of this. However, when I called and requested a refund of the {$12.00} overdraft fee on the credit card, they obliged. 
In the meantime, I was told the funds for the check has been delayed and wouldn't be release until XX/XX/2020 at XXXX ET. However, the checked cleared my other bank on XX/XX/2020. I called Bank of America 's customer service on two occasions to get the funds release, but was unsuccessful. Is unfair for them to keep my money for that amount of time and not pay interest on it. Furthermore holding the funds for 9 calendars has caused me severe financial harm and I want them to  compensate me and release my funds immediately. I even suggested that we call my other bank to confirm that the check has cleared but got turned down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: PNC Bank N.A.
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 is missing that should be on the report

Complaint:
I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from XXXX and XXXX.

Company response to consumer: Closed with explanation