BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
There are accounts on my report that do not belong to me. The first one is from BK OF AMER with the account number XXXX. The second one is XXXX XXXX XXXX with the account number XXXX. Third is XXXX with the XXXX account number.

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 2018-01-08
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX closed my XXXX XXXX account as soon as I paid it off in full. There reason was because of what the credit bureau reported to them. I had not once been late with a payment to this account and I had enrolled in automatic payments to assure that the account would be paid monthly and on time. I 'm very confused!

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 2021-09-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022 I need to close acct. Been on phone over 2 hrs to try to close acct. Either get hung up on, not answered, or transferred around. Worst service ever, even question if this is a real bank. I need my money back now.

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 2017-09-13
Company: CITIBANK, N.A.
State: VA
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:
XXXX of XXXX charged me for the service I do not need this XXXX XXXX, I fought it for 9 months, finally on Step 7, the XXXX wrote me a check of XXXX XXXX but actually by now citibank asked for more than XXXX XXXX this morning I called citibank, their dispuing department lady say I should pay the difference, which is very unfair. At the beginning of this dispute, I told Citibank already, the proof is in their computer records of my citicard history which showed I disputed 2 times already successfully in year XXXX and year XXXX, they did not show the proof of this to XXXX, which caused me 9 months fighting with XXXX, and got only {$120.00} reimbursement, which is not enough to pay Citibank.

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 2019-07-29
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: Public record information inaccurate

Complaint:
On XX/XX/2019, I placed a security freeze on my file with XXXX XXXX XXXX. 
On XX/XX/2019, I sent Equifax a certified letter requesting verifiable proof they have on file regarding the bankruptcies. 
On XX/XX/2019, I sent US Bankruptcy court a certified letter seeking information on how they report to credit reporting agencies. 
On XX/XX/2019, I received a letter from US Bankruptcy court stating bankruptcy court does NOT perform any activities with the credit bureaus. 
On XX/XX/2019, I received a copy of Equifax investigation report. Equifax stated the information, I disputed was verified that the public record item is reporting correctly. Equifax obtained information from local, state and federal courts through a third-party vendor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX. Furnished a XXXX XXXX on credit file on XX/XX/2018. Requested verification from bank regarding inquiry and no feedback.

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 2018-01-11
Company: WELLS FARGO & COMPANY
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have seen hard inquiry for certain lenders with out my permission

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 2017-07-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scam thought XXXX. ( XXXX ) XXXX. I know I ca n't get my back but person need to be stop. Flip scam. I should know better but I was in XXXX after losing my father. I lose XXXX dollars. Using money Gram and XXXX XXXX. But I want him to be stop. I have account with both. I hope he do n't use my information. I attached some of the dumbest I have done.he said his name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
Applied for American Express card for 0 % balance transfer. I was charged 3 % of the balance transferred. Upon approval I transferred of {$3900.00}. On XXXX of 2017. They have been charging me " finance interest '' for the past 3 months. I 've been calling each month they rectify it and then the next month it happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XX/XX/XXXX. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX XXXX. Although, the company has not responded. I expect that it will be resolved quickly.

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 2022-01-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After graduating in 2013, I began paying back my student loans in XX/XX/2013 to Navient. When I requested a payment history, 3 years of payments, totaling {$15000.00} were missing. 

I filed a complaint with the NY Attorney General Office and was told to contact your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid my balance in full, returned all equipment, spoke to representatives regarding the debt collection, and XXXX continues to collect a {$410.00} debt that is not owed. 

This {$410.00} debt has been paid in full since 2016 and should be removed using the full extent of the law and protections that the CFPB grant to consumers dealing with illegal collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Hello My name is XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX az XXXX. I have been getting court letters from a collection company name Law Offices of James R Vaughan Case # XXXX. I was victim of family fraud and someone on my behalf used the credit card and credit had a balance of {$9600.00}. This is with chase bank. I called chase bank and they said the balance is still {$9600.00}. The collection company has been charging the interest fee and made balance of almost XXXX. Even though I dont owe due to fraud, I still tried to settle it but collection company is not agreeing and kept saying chase is not accepting any settlement. I called chase, they said the balance is charged off, so I dont even have to pay anything on this card as It is charged of and will remain on my credit. The collection company keeps threatening me and sending garnishment letters to my part time employment. I am trying very hard in this pandemic to make some income but they are not ready to talk to me. I spoke with XXXX from the Law Offices of James R Vaughan today XX/XX/15 and he just hung up by saying no offer. you have to pay XXXX and interst will still keep accruing. It is affecting me mentally and I am not in a condition to hire a lawyer. I tried reaching out to one lawyer and they said Bankrotcy is an option. Well I dont want to ruin my credit for ever by filling bankruptcy when I ready to make settlement and collection company is not ready to work with me, The case was disslved in XXXX XXXX and they again renewed it. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Mediation Recovery Center
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2005 I paid an outstanding debt to XXXX XXXX and received a letter from the court saying my debt was fully paid. I have attached a copy of that letter from the court. Even though the debt has been paid I still receive harassing phone calls and letters from collection agencies. I have attached a letter sent to me from Mediation Recovery Center. I have tried over the years to explain to MRC through phone calls and letters that the debt has been paid, and made them aware of the letter I have received from the court stating the debt has been paid. MRC does not care and they continue to harass me day after day, year after year. They have even called my friends and family asking where I am and told them I owe MRC money. Also they have threatened further legal action even jail. Enough is enough I want something done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX XXXX using a mortgage broker ( XXXX XXXX XXXX XXXX ). Shortly after they sold my loan to AmeriHome Mortgage Company , LLC who would be financing my loan. The loan type is Fixed Rate - 30 Year. 

Concern 1 : My escrow shortage does n't look accurate Concern 2 : My monthly payment is going up almost 7 % and I can not afford the new rate Concern 3 :  After escalating the issue internally at AmeriHome - they will no longer discuss my issue with me, nor will they return my e-mails or phone calls. 

XXXX XXXX I received a letter from AmeriHome stating my escrow shortage was {$3100.00} & my new monthly payment amount would also increase $ XXXX ; or I could not pay the shortage and my new payment amount would go up {$360.00}. I had a concern about where about {$1200.00} of this shortage was derived. 

On XXXX/XXXX/XXXX I reached out to AmeriHome to discuss the shortage and where the numbers were coming from, only getting the response that " its from your Insurance and Taxes. '' I looked at the numbers myself but they did n't seem to add up. I asked for the customer service rep to escalate to a supervisor, at which time I was put in contact with XXXX. At this point, all I was trying to do was pay the shortage and overfund my escrow account to keep my payment amounts the same and I was informed that it is IMPOSSIBLE for them to do that, even though I can not afford the increase stating if they get audited they 'll get in trouble. With proper documentation - they should easily be able to explain that to an auditor. Since I was n't getting the resolution I needed, I asked for the next escalation point, at which time I was told to contact XXXXXXXXXXXX with the subject line " Office of the President ''. I did so on the same day requesting a call back. I followed up via e-mail on the XXXX, XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, as well as by phone on XXXX. The last phone call I had with a customer service rep on XXXX - I expressed my concerns w/ the lack of response from the " Office of the President '' and let me know the supervisors would no longer discuss my concern with me  because the issue has been escalated to the " Office of the President. '' My last correspondence with AmeriHome on XXXX was via e-mail letting them know if they can not get back with me by COB XXXX/XXXX/XXXX I would seek other escalation points. 

I need help. If this is not the right avenue for escalation, maybe you can point me in the direction of someone who can help? I am trying to pay the company, but I just want to have a conversation with someone from their company that can provide sound explanation for their claims and work with me to keep me from having to sell my home because I can not afford the new monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-01-14
Company: SIMM Associates, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
XXXX XXXX  with account # XXXX with a balance of {$570.00}. 
I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have contacted Experian a lot of times with mail and phone calls letting them know that my identity information had been stolen and that someone has been using my information. I also filed identity theft fraud with Experian, FTC and the police and sent all of the paperwork to Experian showing proof that i am a victim of identity theft. Experian has not removed the accounts i reported to them and proved to them of the fraud. Experian is not willing to remove the fraud accounts even with identity theft report submitted to them. Because of Experian ignoring all request that they demanded to prove identity theft from me I am unable to provide for my family. I was rejected from a job offer due to Experian not honoring their requested identity theft steps, which i sent them. I am also unable to financially support my family because of inaccurate information Experian is reporting because i can't get a job, apply for a loan are anything else thats needed to live because of Experian.

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 2022-01-14
Company: JPMORGAN CHASE & CO.
State: NV
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 was given an offer for XXXX XXXX  points if I spent XXXX $ in the first three months of account opening. We received our card and spent the pre-requisite XXXX $ but never received our promotional offer. We tried to contact Chase multiple times to resolve this issue. The first time we called was 3 months after account opening, after which we were told we would receive our promotion in a week or so. That time passed so we called again and were told the same thing. After waiting 5 months after account opening and not receiving our promotion, we called back and had chase submit a form to their marketing and promotions team to honor our offer. After a couple weeks, Chase sent us a letter saying we were never eligible for the offer which is a mistake or a lie. I told them I have a picture of the credit card promotion that was offered to me and I submitted the picture as proof. After a few weeks of reviewing the picture, Chase still denied to give me the promotion that was offered.

I have exhausted all avenues and months of time/effort in getting this resolved through the credit card company but they refuse to honor their promotional offer. I feel as if I have been the victim of a predatory loan and false advertising. I told them I will be exercising my right to withhold payment until this dispute is settled. I have attached a picture of the promotion I applied for.

Company response to consumer: Closed with non-monetary relief