BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018, I received a text message about my Bank of America credit card alerting me that there had been 2 very large purchases made with my card, for over {$6000.00}. I called immediately to assure them that it was NOT me who made the purchases, and to file a fraud claim. they resolved the matter immediately, cancelled my card and reissued it with different numbers, of course. 

As i was paying my bill on XX/XX/XXXX, I noticed another charge that I did not make, to XXXX. I called and was told that, yes, a charge for {$7.00} to XXXX and another charge of {$49.00} was posted to my NEW card. Again, I called and made a fraud charge, and was given the phone number to XXXX to contact them. When I spoke with the rep from XXXX, he told me that I had a subscription ... .I assured him I did NOT, and told him about the previous month '' s troubles. He asked if my email was XXXX ... IT IS NOT!!! At that point, he told me he would credit my account and send me a cancellation letter ( for an account I never opened!! ) The problem is that my new credit card number was used and I have NEVER used it! It sits in my desk drawer! HOW DID SOMEONE GAIN ACCESS TO THS NEW CARD WHEN IT IS IN MY DESK??? This must come from Bank o f America! 

The fraud case is settled and I am not responsible for the charges ... .but who, besides Bank of America has access to this card that was less than 1 month old??

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 2020-11-03
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid 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:
I applied for the blue cash preferred card through American Express because new members would receive 1. ) the XXXX $ annual fee waived for the first year and 2. ) a bonus {$300.00} cash back after making {$3000.00} in purchases before XX/XX/2020. 
Neither promotional offers have been awarded to my account and upon phoning American Express was told neither applied to my account but he the phone banker couldnt or would not explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Self Financial Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have filed a disputing regards to the incorrect items on my report. It has been well over 30 days & I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello CFPB! We are having issues convincing our mortgage company to remove our Private Mortgage Insurance ( PMI ), and are requesting your assistance in doing so : We secured our mortgage with Roundpoint Mortgage in XX/XX/XXXX, and accepted the PMI payment attached to it with the understanding that we could apply to have it removed once the Loan to Value ratio dropped below 80 %. Once we achieved that ratio in XX/XX/XXXX, we applied to have it removed and have been unsuccessful to date. 

The purpose of this letter is to formally request that the CPFB assist us, specifically considering our payment history with Roundpoint and prior credit history ; the appreciation of the current property value from the start of our mortgage with Roundpoint, and that our ( XX/XX/XXXX ) 75.7 % loan to value is meticulously close to Roundpoint s requirement of 75 %. 

First, after consulting with our lender, agent, and various federal standards resources, we can see no indicator that either FHA, Conventional or any other loan type requires the continuation of PMI after the LTV has dropped below 78 %. 

Second, when my wife and I purchased this property, we brought a solid credit history to the application process. Separately, she and I both had enjoyed solid history as property owners, and later, as a married couple, we successfully paid off a home together. 

As a family, we are far from a risk to dodge payment on our mortgage and relieve us of that expense. Roundpoint 's records will undoubtedly show that we have remained diligent in keeping our payment history current these 30+ months. Additionally, we have poured investment into continually improving our home. We are hardly a default risk. 

We were careful to purchase, first to meet specific school district needs for our children, and second, to target a zip code whose value appreciated well. Fortunately, these past 2 years has blessed us in both regards. Our children are thriving in school and the area has appreciated well. Procedurally, we : Purchased the house @ {$400000.00} in XX/XX/XXXX. 

Updated and finished the basement, painted the entire homes interior, and made other improvements to ensure our investment retains its value. 

Followed the PMI removal appraisal process as outlined by Roundpoint, and the appraisal determined the current value {$480000.00}, a 21 % increase since the point of purchase. As information, XXXX estimate is {$510000.00}, significantly above the formal appraised value : XXXX XXXX XXXX Third, we believe that considering our payment history, our care for and the significant appreciation of the property itself, and that LTV position results in seven tenths of one percent short of Roundpoint s requirement of 75 % substantiates the removal of the PMI insurance payment. 


We would appreciate your consideration. 

Thank you, XXXX and XXXX XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been in repayment since XX/XX/XXXX for 2 of my federal loans and since XX/XX/XXXX for another 2 of my federal loans. This is confirmed by NSLDS database. I have never re-consolidated my loans since then as I have been pursuing PSLF. I have been in an XXXX XXXX ( XXXX ) XXXX since XX/XX/XXXX until present. The loans were initially serviced by XXXX and once the federal government contracted with Fedloans then it was automatically transferred to them. Appropriate Employment Certification Form ( ECF ) have already been uploaded on Fedloan 's website for months. 

I have always had my loan payments on autopay and never requested to be in forbearance. 

Multiple payments that should have counted towards my PSLF have been marked ineligible incorrectly. I spoke to Fedloans and they agreed. However, told me it would take " several months '' to have this reviewed and corrected. As Fedloans will no longer be the loan servicer in XXXX, I would like to resolve this and have an expedited review of my eligible payments. 

Below are the payment dates that are incorrectly deemed ineligible : Loans Period Due Date Amount Due 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 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 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 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 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  Please let me know what documents, if any, is required for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Step 1 : What is this complaint about? 
To dispute AMEX report on my account of a serious delinquency /late payment of credit card balance Step 2 : What type of problem are you having? 
The complaint is about report submitted by AMEX on my account stating delayed payment of my credit card balance which as a result affected my credit score and decision of my recent application to XXXX XXXX XXXX Credit Card with XXXX. 

Step 3 : What happened? 

I owned AMEX premier Gold card since XX/XX/XXXX and I have been diligent with my bill payments and on-time until XX/XX/XXXX when i received a communication stating i could start paying minimum bill only against the previous policy of paying my balance in full by every month. I thought this was convenient ( just like every other credit card ) to pay only minimum balance, and i thought AMEX was trying to give me the flexibility and opportunity to use my credit card more. This communication also came at a time i recently bought a house hence, what an opportunity presented to me to take care of my immediate needs. 

I made few transactions with the card and i ensured i was paying back biweekly but to my surprise, AMEX was still demanding full payment by month end. I made several attempts at clarifying with all their several agents that called me to no avail. I explained what i knew was the norm, and the communication i received from same company stating i could be flexible and also spread my payment. 

Step 4 : What company is this complaint about? 

AMEX Step 5 : Who are the people involved? 

AMEX subbitted a negative report which affected my application to XXXX for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXXe 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Within my contract sent to me by a law firm on behalf One Main there are two different interest rates listed along with different loan dates. One is over 30 % and the other is XXXX. According to Florida Statues Chapter 687.02 usurious contracts should not be charged at an insterest rate of more than 18 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: MI
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:
Have tried unsuccessfully to have my bankruptcy removed ; it has hindered my entire young adult years and I am unable to do conventional things like obtain a credit card and get a mortgage when I already own a house. I have filed multiple disputes with all bureaus and nothing happens with this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent off my disputes for XXXX  for account with XXXX XXXX and account number XXXX. I have no idea about this account and its the ONLY negative thing on my credit report. I would like for this other person account be removed from my credit file.

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 2017-08-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As the executor of my father 's estate, I wanted to continue using the two bank accounts he already had set up with Wells Fargo. I conveyed this desire to the Wells Fargo banker when I set up the estate account ( last 4 digits are XXXX ), and he said there was no problem with that, and we set up the account. I would estimate that a few months ago, I received a phone call/letter from the insurance company that was being paid out of my dad 's old checking account. The auto payment that was set up had bounced back. When I contacted Wells Fargo about it the first time, they tried to tell me it had nothing to do with my accounts. Then I discovered that my father 's checking and savings account had been locked. Upon further time consuming phone calls and branch visits, I was told that a " back office '' Wells Fargo employee had taken it upon themself to lock my father 's old accounts. After a great deal of wasted time, the banker at the WF branch next to the XXXX XXXX XXXX XXXX in XXXX XXXX CA told me that my only option was to close my father 's 2 accounts and move the funds to the estate account. This was NEVER raised as a problem when I first opened the estate account with Wells Fargo, and the banker who I did it with clearly knew that I was also managing my deceased father 's two accounts. Wells Fargo also mailed a check to my father for {$25.00} which I unfortunately mis-placed. Unfortunately, the letter that accompanied the check did not state what it was for. I can only speculate that perhaps his local branch had opened accounts he did n't know about. My efforts to have Wells Fargo re-issue that check have been blocked every step of the way. I 've worked with XXXX ( sp? ) at the XXXX XXXX branch, who had put in multiple calls to his Wells Fargo colleagues during the past 2 months, but alas, has nothing to show for it. I 'm disappointed that : A ) Wells Fargo did n't tell me originally that it would be an issue to keep my father 's checking and savings account open. B ) I learned that they froze his accounts- not because Wells Fargo staff contacted me to tell me, but after my insurance company 's auto-pay transaction did not go through b/c Wells had frozen it. And, the first time I called to ask about this, the Wells Fargo person erroneously told me the bank had nothing to do with the transaction not going through. C ) Getting a simple check re-issued for {$25.00} has turned into a saga with Wells Fargo, and even working with a local banker, it appears to be impossible.

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 2021-01-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made all my payments on time with XXXX XXXX bank also known as XXXX. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the Experian and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.

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 2021-01-21
Company: Self Financial Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made all my payments on time with XXXX XXXX bank also known as Self. They have reporting that i was passed due 30 days twice. I contacted them and they stated theyll change the payments to on time and it never occurred. They said they contacted the XXXX  and it never changed. This is a defamation of my character and violation of the law. Please enforce the law this has been going on for 3 months since XXXX to XXXX ; because of this I was un able to get approve for several of my credit card applications. I seek the correction of the account on my credit report and monetary relief for their actions through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: U.S. BANCORP
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: Their investigation did not fix an error on your report

Complaint:
I submitted CFPB complaint XXXX on XX/XX/2020 and complaint XXXX on XX/XX/2020 about information missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. US Bank sent me the same response on both complaints that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX  but so far nothing has reflected on my report. I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with no access to such information who kept transferring me from one department to the other. 

Attached are both complaints responses from US Bank by someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information.

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 2018-05-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, my name is XXXX XXXX and I had an account with Wells Fargo Bank at the XXXX and XXXX XXXX.I paid my balance of {$9.00} and closed off the account.Then I went over to XXXX XXXX to open another account, and was informed that my new checking account could not be opened for free because Wells Fargo claimed that I still owed them money.Now that is impossible because I had paid my balance in full to the teller, and then requested to see a banking official so that I may close off the account and which he did and was told that I was free and clear.Can you help me with this problem, because I do not want them to be able to hinder me in the future.Thank you for any and all consideration in this matter.

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 2020-11-03
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Secured Veterans Home Loan for a property located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX from Cardinal Financial Company Loan Number XXXX XXXX. ( hereinafter " Cardinal '' ) Escrow closed on or about XX/XX/20. On XX/XX/20 made the first Mortgage payment o {$1400.00} that was due on XX/XX/20. i.e. I made the payment one month in advance. On XX/XX/20 I received a letter confirming the receipt of the payment. On XX/XX/20 I was noticed by Cardinal that the loan would now be serviced by XXXX XXXX XXXX XXXX XXXX XXXX who sent me a payment request for XX/XX/20. I noticed Cardinal to forward the money.. Cardinal said it would send the payment made to Cardinal to XXXX XXXX . Cardinal failed to do so and I received a payment request for XX/XX/20 and XX/XX/20. I sent in the money amounting to another payment of {$1400.00} for XX/XX/20. Another request for payment was {$2900.00}. Finally XXXX XXXX found the payment for XX/XX/20 and advanced the next payment due to XX/XX/20. When the money is sent to XXXX XXXX from Cardinal, the next payment would be due on XX/XX/20. Cardinal now refuses to answer the phone. As it stands now, I paid the XXXX and XXXX payments twice.

Company response to consumer: Closed with explanation