BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I received an email indicating that my phone # was deleted for XXXX and to contact Bank of America if done in error. I call and eventually get sent to the account closure department where I was told that the bank had made a business decision to close all 4 of my accounts ( 1 checking and 3 savings accounts with a combined balance of over XXXX ). I was told the decision was final and that the process had just begun that day. He refused to provide any reason for this action. Constantly referring to the agreement when I opened the accounts. He did say the process usually takes 10 business days. He told me to call back the next day for better dates. I called the next day ( XX/XX/XXXX ) where I was basically told the same thing. When I called the next Tuesday XX/XX/XXXX I was told that the accounts appeared to be scheduled for closure the next day and that I should call back on XX/XX/XXXX to learn when to expect the check. When I called on the XXXX I was told that the accounts were not expected to be closed until XX/XX/XXXX and that no money could come in or out of the accounts. I questioned him about the 3 previous people telling me that it should take 10 days. He said that it takes 30 to 45 days and had no idea why they would say otherwise. I then spoke with a supervisor by the name XXXX. She seemed to understand the issue but would only release the funds from my checking account and a savings account with minimal funds. Total funds released {$1700.00}. After reading the agreement which indicated that either party can close the account at any time without notice except upon withdrawal of funds they can require 7 days notice. I mailed a written demand/request to close the accounts and receive funds in 7 days. I have not had a response. I submitted a complaint with Bank of America and was told they would request the closure department expedite the process however they told me I would have an answer within 72 hours and it has been 5 days. Any help in getting the funds released would be appreciated. Again they are claiming non wrong doing on my part but are being punitive in nature by holding my funds longer than necessary as can be proved by their policy of 7 days when closed by me.

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 2020-05-13
Company: Financial Freedom Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 my wife and I filled out an application for a refinance from Financial Freedom Network ( main office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey, XXXX # XXXX XXXX XXXX ) Local office XXXX XXXX XXXX ). At that time we were set up to have an appraisal done on my house located at XXXX XXXX XXXX. XXXX. XXXX Md XXXX.The cost of the appraisal was {$580.00} dollars and it was set up for approximately XX/XX/2020. The appraisal was done as scheduled on that date and I paid for the appraisal. As it turned out the company weeks later denied my loan. I asked for a copy of the appraisal on three occasions at the end of XXXX. I spoke with my loan officer named XXXX at the home office who indicated they would send it. It is now XX/XX/XXXX XXXX and I still have not gotten it. It is quite evident that they do not intend to send it and I understand it is against the law not to send it. I am working with another lender who also sent several request which they have not responded to. This process is holding up my present loan from the other company. I would appreciate it if you could help me get a copy of the appraisal. My loan number with Financial freedom is XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Md XXXX Number is XXXX XXXX XXXX. 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
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me.

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 2020-07-04
Company: CITIBANK, N.A.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I joined XXXX XXXX XXXX. On XX/XX/XXXX the gym closed due to COVID. The gym has not resumed providing services. According to the Pennsylvania HEALTH CLUB ACT { Act of XXXX XXXX, XXXX, P.L. 672, No. 87 ( 4 ) A provision permitting the buyer to cancel the contract if the health club facility closes for more than 30 days and the health club fails to provide a comparable facility within ten miles of the location designated in the health club contract. Upon receipt of notice of cancellation under this paragraph, the health club shall refund to the buyer all moneys paid in excess of an amount computed by dividing the full contract price, including any initiation fee, by the number of weeks in the contract term and multiplying the result by the number of weeks elapsed in the contract term }. According to the Pa Health Club act since the gym has been closed for over 30 days I can cancel my membership. The attorney general in Pa. further stated that gyms are required to refund memberships after cancelation is requested in writing by the member. On XX/XX/XXXX I sent a certified letter as well as an email letter requesting cancelation, to date, the gym has not reopened and due to COVID I do not desire this service for I feel it is unsafe. I sent a copy of the letter likewise to my credit card company. Citibank is a discriminatory banking industry that sides with the merchant. This is the 2nd matter that despite having proof that the company failed to provide services, they continue to fail to help me resolve this matter. Despite not receiving nutrition services or fitness services for almost two months, I paid {$2300.00} total. I requested to have {$1700.00} refunded for the remaining balances of services not rendered.

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 2021-02-21
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
I paid off the Sheffield note, but they didn't give me the exact payoff on the date I paid it. Obviously, they neglected to include an imminent accrued interest of {$5.00}. So {$5.00} was left owing on the note. I actually asked for the current payoff on the telephone and PAID IT THAT DAY, so this was the clerk 's mistake for giving me the incorrect payoff. The clerk also confirmed the note was paid in full at the time. It was not until the " late payment '' showed up on my credit report that I even knew there was an issue. ( I did not receive any additional payment requests ) At the time, I spoke with Sheffield, they apologized, I paid the {$5.00} and they assured me my credit rating would be returned to " Paid as Agreed '' but I see it is STILL showing I was delinquent. Since the company didn't remove the error as they agreed, I felt you were my only option to getting this issue resolved.

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 2020-08-29
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My mortgage servicer is Dovenmuehle. When a Covid19 started I did reach out to them for more information regarding forbearance. As I did not get an answer I continued with monthly payments. 3 weeks ago i did receive a letter asking to sign for forbearance. There was no information about how it will follow after that ( if i will have to make a ballon payment, or one time lump sum after the period and so on ). I called the representative for explanation, but I only got an answer : " sign the documents and at the end of the period our representative will reach out to you and you will see what options do you have ''. I have never seen such activity, that a customer needs to opt in into program, not knowing what is the outcome. ( they can XXXX a customer down with this ). Other companies do provide plans and documentation of repayment before even going to forbearance plan. I did decline to sign any documents and go with that plan. Now the problem is that i can not make my monthly payments online. As I log in and try to make a monthly payment I get this message : " Your loan is not eligible for a One-Time Draft payment. Please contact the Customer Service Department at XXXX with any questions ''. Did try to call this number and no luck contacting the representative. In addition I have problem with this company Escrow collection, too. I have multiple times asked to stop it as I want to do it myself. All the time there is a huge delay. Last time I got an answer that Im eligible, but still cant do it ( i am with them for more than 24 months, escrow is up to date and I did put 20 % down on this mortgage ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: EQUIFAX, INC.
State: PA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX added a collection in XXXX of 2016. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to XXXX XXXX XXXX provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had anesthesia service from this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
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 credit inquiries on my credit report from USAA dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: PA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I dehand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX is reporting that I owe them a balance on my credit accounts with them. I called them in XXXX, and they said they no longer own the debt, but they are still reporting that I owe them a balance for two accounts, when it should be reporting a XXXX balance if they sold the debt. I waited to receive a letter from them or the collection company to validate the debt, and didn't receive anything. I disputed the accounts on XX/XX/2020 through Experian. On XX/XX/2020, Experian completed their investigation, and the accounts were not updated to reflect the correct information, nor were they removed. I called XXXX XXXX on XX/XX/2020, to confirm, and they said they do not own the debt, which means they should not be reporting that I owe them a balance.

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 2021-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We were approved for Capital One XXXX  card which was activated XX/XX/XXXX with a {$20000.00} credit limit. Each month since that date, we paid off the entire amount of the bill which varied from {$1100.00} for a month up to {$4000.00} another month ( new windows for our house ). We never had an outstanding balance until the XX/XX/XXXX bill was not received by us. After calling Capital One on XX/XX/XXXX and being advised the bill was {$1500.00}, I promptly paid the entire bill and sent it via XXXX. They unfortunately received it late and posted it XX/XX/XXXX. ( Our only late payment because we didn't receive the bill XXXX XXXX XX/XX/XXXX, I called Capital One to advise them that my husband died XX/XX/XXXX. I thought this was the right thing to do, however, on XX/XX/XXXX, the Estates department of Capital One sent me a letter stating the account is now closed and the card could no longer be used. I have been the principal user of this card and paid the entire balance faithfully for over two years. But just because this card was issued with HIS name as the main creditor, they have cut off his widow from this benefit. We both had a card with our own names on them, but now I am denied credit from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
On XX/XX/2020 SANTANDER CONSUMER USA ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: NJ
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX/XXXX XXXX Balance {$0.00} - The account is confusing, it looks inaccurate and unreliable, please be vigilant to render evidence that you have not violated the fair credit reporting act by way of filing the account type as is available. If you fail to give proof that you've not violated my own privileges given to me underneath the FCRA and also the FDCPA you should get rid of this invalid post on 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 2021-02-21
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: WELLS FARGO & COMPANY
State: FL
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 have a personal loan with the well fargo bank, it is not reporting in my 3 credit bureau

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