BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
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:
On the date of XX/XX/2020 there was fraud committed on my XXXX debit card issued by Bank of America. I had XXXX $ withdrawn from an area far from where I live. I called and filed a claim I filed a claim with Bank of America that same day, and then the following day ( Tuesday ) either BOA or the XXXX proceeded to delete / freeze my account! I also had another XXXX $ sitting in the account so for a month I did not have access to my future XXXX benefits, the XXXX $ sitting in my account, and the XXXX that was stolen from me! Right before XXXX too! Long story short I went back and fourth with the XXXX & BOA, and the XXXX reverified my identity and unfroze my account. Bank of America in the process gave me 0 help, and even mocked me at times for needing this money reimbursed to me. I have seen HUNDREDS of people going through the same thing. I called maybe 50 times within the month and I have not had the money that was stolen to me reimbursed.

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 2018-07-09
Company: CORELOGIC 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:
For the last several weeks I have been talking to XXXX XXXX, a loan officer with XXXX XXXX and other companies about refinancing my mortgage loan, and Mr. XXXX asked me to email him a copy of my recent appraisal report so we can determine my equity. 
I recently obtained my credit report and saw a " hard inquiry '' was pulled on XX/XX/2018 by XXXX! I did not authorize anyone to obtain my credit report! 
XXXX XXXX called me a few days later and I asked him which credit company do they use to pull credit, and said XXXX! I asked him if he pulled my credit report and he said he will look into it, but i have never heard from him again! 
I received an email with an attachment of loan disclosures from the XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Michigan Mutual, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint for the same issue. The previous complaint number is XXXX XXXX. 
You closed the complaint because Michigan Mutual " claimed '' to have refunded the duplicate payment of {$1200.00} on or about XX/XX/XXXX via direct deposit. 

I spent an hour on the phone with the bank and they have no record of any refund, deposit or any activity from Michigan Mutual or for the amount of {$1200.00} for the entire month of XXXX OR XXXX. 

So now, the mail doesn't work nor does direct deposit. Unbelievable! ' Here is the response I sent to them : I contacted my bank and spoke to the head of the accounting department. She went through all of the records for the month of XXXX and there was nothing from Michigan Mutual and nothing for {$1200.00}. So, now you have " apparently '' attempted to refund my duplicate payment twice with no success. Since the United States Post Office and my bank are not sufficient enough to handle this " refund '' I am now DEMANDING that you apply the {$1200.00} to account for the XXXX payment. I have absolutely had it with this situation. I want an immediate response to this email and notification that the payment has been credited to my account.If I do not get immediate results my next step is to hire a lawyer, contact the news and sue this company for false claims and lies. 

I don't know what else to do. 
This is impossible. 
Please help. 
XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Mercedes Benz Financial Services
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:
Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) XXXX XXXX XXXX from Mercedes-Benz ( MB ) : 1 ) MB attempted to charge {$600.00} maintanance fees during lease at service.

REFUSED to pay.

2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX XXXX cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised MB Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from MB statment, owed for 2 tires and end of lease cost, total $ XXXX. 
5 ) Phone call to MB SF Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with SF Mgr who sent another statement 2 tires removed MB Financial added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay.

6 ) MB Financial XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days.

7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from MB Manager not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company continues to call and contact me from different numbers daily. When I told them the debt is not valid and to stop contacting me. After blocking their number. They would call again either the same day or the next from a new number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: VA
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 keep putting information on Equifax, XXXX  and XXXX  stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file ( files received from XXXX ). I have circled the items I dispute on the attached copy of the report I received. 

This item disputed is inaccurate because I have documentations of a reported phone call to Ditech in XXXX ( before the bankruptcy and closing of the company which occurred XX/XX/XXXX ) attempting to make payment. In reported phone conversation we had spoken on how our payment was not being accepted through our normal transfer. They then confidently proceeded to insist that they could no longer take our payments and we had to wait until the arrival of our new company by mail to pay for our current bill. With being falsely informed of this, they reported no contact from us and credited us for a 30 day late payment. In attached file it explains that we were not only credited once for a late 30 day payment but also on the following month. We had then contacted both Ditech ( who we were no longer in business with ) and XXXX ( our new provider as of XXXX ). XXXX had no documentation of a late payment and also included their policy of transferring to their business that they were not allowed to credit any late payments the first 60 days to comply to our adjustment of a new company. Ditech was not as compliant and due to their business being shut down, we are not able to reach any provider. Being wrongfully document for a late payment we did everything to have the Ditech resolve the issue but because they cant comply we had to further our complaint. I am requesting that the item be removed to correct the information. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: GUARANTEED RATE INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I've applied for a refinance of my mortgage 5 months ago. Less than a month into the process I was approved with conditions. I paid for an appraisal and application fee and i have yet to close on my loan. I've asked the Loan officer and LOA numerous times about the status of my loan. They have not responded to my contact with clear guidance or not at all. My lock has expired for reason not placed on myself. I completely understand the pandemic, holidays, and all but this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Paypal Holdings, 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:
Someone else is using my XXXX XXXX XXXX XXXX XXXX to their purposes on the PayPal platform. 
I received a collection letter and a XXXX stating about business that has been done using my XXXX, this is something that I never did!!! 

PayPay allows someone else to use my company information to their needs without my k knowledge until today and this causing me a lot of frustration and time consuming. 

Please see attached doc with the collection letter and the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
XXXX  has been reporting credit debts on my credit report for years. These cards did not and do not belong to me. We have talked with USAA, the company in which the cards were issued from. USAA has contacted the credit Bureau explaining the situation and has requested for these cards to be removed. I have filed several disputes over the years to have these reports removed and XXXX  still has not removed them. Please check the date 's and information on attachments to see the amounts and date for BOTH credit cards from USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Larry H. Miller Group of Companies
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX Nothing is showing and I cant get another car. 

Rally Motor Credit Account XXXX XXXX XXXX Specialized Account Manager XXXX XXXX XXXX , XXXX. 
A Larry H. Miller Company [ T ] XXXX [ F ] XXXX XXXX I hope you can help me. 
If need anymore info Please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX on XX/XX/2019 asking for specific validation regarding an alleged debt. ( Letter enclosed ) On or about XX/XX/2019 I received a generic account summary report. ( Letter enclosed ) Prior to XX/XX/2019, I did not receive a dunning letter. I was also not given notice before/after of negative information being reported to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2019 I enrolled at digitalcraft bootcamp, skills fund advertised student loans. I was under the impression i applied for the XXXX XXXX XXXX student loan. According to credit agreement, the funds will not be disbursed unless the school is in compliance with its funding obligation. The school certification would determine if I am eligible for the loan and for how much. Skills fund recently stated they only do unsecured consumer debt loans, not student loans for bootcamps, and I do not generate 1098 forms. Myself I did not receive a student loan despite being approved by digitalcraft and promoted by skills fund. On my aspire account within my forbearance letter my loan is referred to as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and/or private student loan ( s ). When I called Aspire customer service they stated it is not a student loan and this is a consumer loan despite it showing as an education loan on my credit report and no 1098 forms are listed in the tax information section.

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 2019-02-22
Company: EQUIFAX, INC.
State: AZ
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 disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. Please CFPB, step up and remove the negative accounts as this greatly affected my credit score. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX   XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America has blocked all my access to banks. I cant open an account and I paid them what they charged me on XXXX XXXX XXXX and they didnt report that I had paid them. I still cant open an account with any bank and the one that was at XXXX XXXX XXXX was cancelled. I went and they did want to help 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 2019-11-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Dear Sir or Madam : Please see attached correspondence. 

Thank you for your efforts. 

Very respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: TX
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:
Sent disputes XX/XX/2022 to XXXX, Experian, & XXXX to remove information under Public Records regarding bankruptcy. XXXX & Experian have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. XXXX stated the information as verified ( XX/XX/2022 ).

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 2019-11-15
Company: Clarity Services
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: Information belongs to someone else

Complaint:
Dear Sir or Madam : Please see attached correspondence. 

Thank you in advance for your efforts. 

Very respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is in response to the TransUnion credit report I received saying that XXXX XXXX has been verified. I have contacted TransUnion endlessly regarding the removal of XXXX XXXX from my credit report. This is an erroneous and fraudulent account. I have filed an Identity Theft report with the FTC and I am uploading my drivers license, bank statement as proof of address, as well as the identity theft report from the FTC for this fraudulent account. I have also included a copy of my XXXX report showing that XXXX  has done their due diligence by deleting XXXX XXXX from my report with them. If TransUnion comes back again and states that both of these fraudulent accounts have been verified as accurate, I will then request the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ). Please remove and BLOCK this fraudulent account from my credit report immediately.

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 2018-05-08
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
When choosing a credit card, security is a major priority. Having a card you know will respect your service as a customer is one of the most important things to look for in any credit card company. 


Citi Diamond Perfefed XXXX XXXX unfortunately can care less about their customers. I will never recommend this card to anyone. We were scammed out of {$4000.00} by a fake marketing company that did not provide any services for us. The company fought back by sending in a proof of payment ( obviously we paid them, thats the problem! ) and Citi bank took their word for it over their own customer and gave them back 4K!!!! When we called the representative apologized and told us to send in a proof of cancelation letter. 

We reached out to the company many times begging for this letter and they refused to send it to us. When we finally got a hold of the letter, we sent it in immediately. By the time we submitted it the due date for the letter was past due according to them, but the representative said there would be nothing to worry about since we were in constant communication with Citi.

Its been almost two months and we still do not have our money back. They actually gave the money back to the scam company and when I called to speak to a supervisor today they said the time is up for this dispute. Ridiculous!! I will never trust CITI OR XXXX ever again!!! We are loyal customers and they allowed a fake marketing company to just steal our money.

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 2019-11-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment at the XXXX XXXX XXXX XXXX complex located in XXXX XXXX, California. At the end of my leasing they charged me an amount of {$1700.00} for daily rent, carpete replacement, and cleaning. I paid this amount and have the prove. Once I moved out of this apartment complex I left the county for a few months. Once I returned I start to get daly calls from a collection agency called IQ Data International asking me to pay the amount I already paid. I told them the debit was paid over and over and they kept calling me and treating me. One year later I received a credit scor notification that it was significant lower due this debit. Once I saw that info I contacted the collection agency and they hangoff the phone oh my face after mistreating me. I called again to get the details of my debt they reused to provide. Then I called again and finally spoke with someone who was able to comfirm that the the checks they were looking for were paid to XXXX XXXX  XXXX   XXXX. They asked me to mail them with a letter asking to dispute the charge. But after or this discrepancy Had my credit score from XXXX to XXXX for a debit that has been paid since a year ago. Please let me know if I can sue either the apartment complex or the collection company. 

I look toward to hearing from you soon Thank you

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