BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
I wanted to visit XXXX XXXX, Oregon. I called first to the hotel and was assured they were adhering to the mask mandates for COVID. I was assured by the general manager that their policy was " no masks no service '' and they were adhering to rules related to cleanliness. On XX/XX/20 I made a reservation with my credit card. On XX/XX/20 I drove there only to find a small hotel lobby very crowded with almost everyone not wearing masks. The general manager and her employee were not wearing masks and were checking in people, entire families, without masks. In the parking lot were license plates for every state in the western USA. So I waited until it cleared out and went in and nicely asked the manager why she wasn't wearing a mask, and why they were not adhering to the " no masks no service '' rules she promised me. She refused to respond. I nicely asked for my deposit back and I didn't want to stay there, and they said no, that I had to ask for a refund fund more than 24 hours before my reservation date. So I was trapped. I couldn't sleep in my car, I could n't drive home as it was too far, so I stayed the night and left XXXX the next morning. My trip was ruined. I was worried about my exposure. My doctor had me self quarantine for two weeks after the trip. I filed a complaint with OSHA and I was told the hotel got in a lot of trouble. I contested the charge with Bank of America. What a nightmare that was. All attempts to send them copies of the OSHA complaint failed, " we never got it ''. All attempts to talk to them and explain the situation failed. Their policy is irregardless of life threatening situations and things being not as described because I did stay the night my contested charge failed. All attempts to appeal this or talk to BofA have failed. For instance today I called and got two young women who had no idea what I was supposed to do. They were completely unhelpful when all I was asking was what is the procedure to appeal. Under the Fair Credit Billing Act, which BofA is no longer adhering to, I have rights. But in the last few years those rights have gone from BofA helping me, the customer, to now making it difficult to contest a charge and more often than not siding with the merchant. The " not as described '' are now ignored by BofA. The " goods '' in this case where lodging and it was provided " not as agreed ''. But BofA doesn't care about that part of the law anymore and it's almost impossible to even speak to a person in the USA. For two hours this morning I spoke to young women in a foreign location who had little or no training related to disputes.

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 2020-10-30
Company: EQUIFAX, INC.
State: UT
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 been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint concerns Experian accessed via the URL usa.experian.com For several months I have been unable to login to my account on Experian. I tried the self-service tools on the website for UserID and/or Password recovery but they do not work and always lead to a message instructing you to call Experian customer service. I have tried calling Experian customer service dozens of times over a period of months but the automated voice response system often disconnects the call requiring you to call again. Not once have I ever reached a representative to assist me with my problem. 

I still receive email alerts from Experian but without the ability to login to my account I am unable to intelligently react to these alerts.

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 2019-03-09
Company: Experian Information Solutions Inc.
State: MD
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 wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and Experian are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, and XXXX - XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.

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 2020-10-30
Company: CMG MORTGAGE, INC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my mortgage payment on XX/XX/2020, it came back because of an incorrect routing number, it was corrected, and still never went through. XXXX payment was sent in via a cashiers check from my bank. It was sent via USPS Certified mail. This check was received and signed for on XX/XX/2020 and was for two payments, XXXX and XXXX. This check was issued by XXXX XXXX  in XXXX XXXX , XXXX and cleared XXXX XXXX  on XX/XX/2020. It was made to CMG FINANCIAL CERTIFIED. As of today, XX/XX/2020, the funds have not been applied to my account, and are still unaccounted for by CMG Financial. 
I have been threatened by CMG Financial by numerous letters that if I do not pay the past due payments that foreclosure could result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my husband had his biweekly pay submitted into our Bank of America checking account and later we tried to use our debit card and it was declined. That morning I tried to contact them and was informed that they have closed our XXXX checking accounts and we don't have access to our funds and that the file would be evaluated on XX/XX/XXXX and the funds would be sent to us via a cashier check that day. I waited until Friday XX/XX/XXXX to contact them again because we still hadn't received the funds and I was informed that it was going through the closing process until XX/XX/XXXX. All of our money was tied up in these accounts and has created a great hardship for my family. We weren't informed by until Wednesday XX/XX/XXXX through mail that they were closing the account for us to make changes to our direct deposits that went into that account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26
Company: Statebridge Company
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We recently sold our home and the XXXX mortgage company has yet to provide a closing statement. The proceeds are being in held in escrow without any communication. 

Myself along with my attorney called the company several times along with sending communications. 

The closing was scheduled for XX/XX/19 and was pushed out many times thereafter. The closing was finally held on XX/XX/19. 

The name of the company is Statebridge Company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting 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 account of XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A section B. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C inaccurate credit reporting directly impares and undermines the banking system and public confidence. 

I would ask and recommend that XXXX XXXX ACCOUNT be takin off of my credit and consumer reports immediately.

Company response to consumer: In progress
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.

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 2020-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is in regards to the CARES Act and the inability of Citizen One Bank ( COB ) to timely remove my request from Forbearance, their tactics and handling of the process. Simply stated they are leveraging the Forbearance provision in the CARES Act to collect payments versus helping people. 

In late XXXX I requested Forbearance from a COB mortgage for a home that is rented to a real estate agent. COB approved the Forbearance but did not notify me for until late XXXX forcing me to make a payment prior. So I accepted the Forbearance for the XXXX and XXXX payment. 

In XXXX, I was able to begin making payments and began doing so. Again and unbeknown to me COB extended the Forbearance without notifying at all, no email, no phone call, nothing in the mail until they had already extended for another 90 days. I continue to make my payments and immediately contact them to get me out of Forbearance. COB stated they could not remove me from Forbearance until their Loss Mitigation Department had approved for the two unpaid balance to be deferred. They first stated it would take 10 days, then 30 days, and after 60 days it they still had no idea when they would get to the approved deferral. 

The reason I ( and probably many others ) wanted out of the Forbearance is because we had a great opportunity to refinance our home mortgages at much lower rates. In light of the pandemic, this was a blessing to restructure this debt but it could not be done until the Forbearance closed was at least 2 months of regular payments were made. 

I finally just had to repurpose some other bills to immediately pay the two months balance which was the only way the COB Loss Mitigation Department would remove me from Forbearance. And even so, they were incredibly hesitant to do so without immediate payment because if I did immediate pay the balance I could be reported to credit agencies.

So if COB had any interest in complying with the law, they did so in a shameful and wirily way. First they did not let me know in time to take advantage of 90 days of Forbearance, 2nd they extended the Forbearance without any approve or consideration from me, 3rd the locked me into a long and extended means of approving a deferral, and finally treated the Forbearance like a credit collection event versus the assistance that the CARES Act provided for and was intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XX/XX/2020 Bank of America opened an escrow account on my mortgage account charging me an extra {$270.00} each month. I pay my property taxes and home owners insurance separate from my mortgage and I did not approve for an escrow account to be created. My monthly mortgage payment is suppose to be {$730.00}. I see many lawsuits online about Bank of America creating fraudulent escrow accounts on mortgages with the clients consent. I have call Bank of America over XXXX times about this matter and no one ever picks up the phone in the escrow department. They do not provide you with a direct number to the escrow department and no other group has a phone to this department. I sent them a message about this matter since my phone calls did not resolve the matter. They sent me an escrow analysis for my account but I should not have had an escrow setup for any reason,

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 2021-05-27
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:
Someone stole XXXX dollars from my account, after filling a claim the bank froze my account which for some reason closed the claim I filed with them. After trying to unfreeze my account in order to have my claim reopened so the investigation can begin, I was told that bank of America could not unfreeze my account i needed to call edd in order to do so. I was not able to speak to anyone at edd and received no other information on how to get my money back, 2 months pass when I received a letter from Bank of America saying if I wanted to unfreeze my account to call the number listed. So I did and for the second time my claim was reopened, I continued to call everyday to ask for the status of my claim and was told daily that it was still pending. On the 3rd week of calling a representative told me that the claim had been closed and that there investigation lead them to belive I was not eligible to receive a reimbursement for the money that was stolen from me. I do not belive they had any intention on paying me and belive there investigation was done poorly, on one of the transaction of XXXX dollars from an atm of bank of America which clearly was not me could have easily proven that someone had access and was stealing from my account. I hope there's something you can do to help im in a tough position with no one here to help

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 2020-12-09
Company: TRANSUNION INTERMEDIATE 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:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  accounXXXX XXXXt account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602A.States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-01-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debts should had been covered by the hospital as i was told. And other charges I paid them as much as I could for a 5 minute visit.

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 2021-04-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Over 50 days later I have not received a response. I feel like my disputes and I are being taken advantage of and ignored. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has 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 2019-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Portfolio recovery associates regarding a debt for {$770.00} owed to XXXX XXXX. I never owed XXXX XXXX {$770.00}. XXXX XXXX states they no longer have records for the debt so they cant tell me why I owe. 
Ive written Portfolio Recovery Associates on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 asking for an itemized statement of how I owe what they say I owe. They have yet to verify all charges leading up to what they are saying I owe.

Company response to consumer: Closed with explanation