BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is the second time Bank of America has sent me a promotion and not honored it. The first time they claimed I didn't meet the qualification, and I let that go. However, this time not only did I meet it, but they admitted to me meeting it and refused to honor my promotion. The promotion code was XXXX and it stated {$500.00} had to be deposited into the account within 6 months and you will receive {$200.00}. I meet the qualifications the beginning of XXXX and I gave them until XXXX to make the deposit. When I called to question why I had not received the funds it was escalated and the refused to honored it. When all call to see why it was not honored they stated they will not going to honor the promotion even though I met my qualifications. The result I am looking for is for the bank to honor my new savings account promotion, as well as my new checking account promotion. My savings account was opened on XX/XX/2019.

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 2020-10-16
Company: EQUIFAX, 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:
1, XXXX XXXX XXXX XXXX - {$0.00} 2. XXXX XXXX XXXX - {$1200.00} 3. XXXX  XXXX- {$0.00} 4. XXXX  XXXX XXXX -! XXXX XXXX, XXXX XXXX - {$800.00} none of these accounts belong o me I am afraid this is ID theft or sense I have a common name the credit bureaus have my name mixed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the second complaint against Bank of America that we've left on this site. The first one was closed without many issues being addressed, especially the poor communication. The bank provided a contact name and number that didn't work in their response to the last complaint. We've NEVER been able to reach a representative at the number provided by the bank it's always voicemail. The coronavirus pandemic has made a bad situation worse and it's nearly impossible to get someone on the phone and written correspondence sent via mail takes weeks to reach us. The date on letters is always more than 10 days passed by the time we get it. We put our home on the market for sale in XX/XX/2019 but had no buyer interest due to deferred maintenance and possible structural damage to the house. We recently received a cash offer on our home well under the asking price, after two previous offers fell through because buyers backed out because of length of time for processing and lack of response from the bank. Our agent, who is experienced in short sales, has been working diligently to ensure that this one gets further along than the other two failed attempts. After having the house on the market for nearly a year, we are out of options and need to either do a short sale or let the home go to foreclosure. We felt as though progress was being made when our agent was alerted that our loan is set to be service released to XXXX Mortgage on XX/XX/XXXX but she was told the bank can't actually confirm that until XX/XX/XXXX when it would show in the system. Our agent learned of this from Bank of America 2 days prior to XX/XX/XXXX, even though the letter we were told we should have received from Bank of America was dated XX/XX/XXXX. We have never received such a letter from the bank nor have we received any communication from XXXX. Our loan disclosures say that we should have received communication about this type of transaction more than 30 days prior to the servicing being released. Now, we don't know what will happen. In the past, we were told that we couldn't attempt a short sale without first being considered for a loan modification since the home is our primary residence. That was time consuming and futile since we still couldn't afford the lower payment. We continue to experience an extreme financial hardship due to the pandemic. Will the process need to be started over with XXXX? Will we be considered for a short sale or have to go through the loan modification process again? Who can provide us the answers we need and actually answer the phone when we call?

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 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I regarding BinanceXXXX  crypto exchange ticket number XXXX. 

I have send $ XXXX worth of XXXX  virtual currency from XXXX to Binance. It's been a week it did not deposit. I have multiple tickets but their customer support team is not responding. Heared it's happening for multiple clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have communicated with XXXX XXXX over the years, and have provided them with proof of the Chapter XXXX discharge paperwork on several occasions. The debt owed to XXXX XXXX was discharged in XX/XX/XXXX in a Chapter XXXX bankruptcy under XXXX XXXX. It was timeshare that was paid off but they continue charging fees. I have not heard from them in over 10 years. Today, I received a harassing call from Sunrise Credit Services, # XXXX, on behalf of monies owed to XXXX XXXX. I informed the agent it was discharged in XX/XX/XXXX in a Chapter XXXX. She demanded the information ; however, I had to call back since I was driving. I called Sunrise Credit Services back the same day and XXXX XXXX answered. I explained it was discharged in a Chapter XXXX in XX/XX/XXXX but before I could provide the case number she states : It doesn't matter why we are calling, you paid on this back in XX/XX/XXXX. Before I could provide the Bankruptcy Case number : XXXX filed in XXXX, GA she yells : " Call back with a better attitude '' then hangs the phone up in my face. Upon calling back I spoke to XXXX XXXX again. She stated that since I filed in XX/XX/XXXX and made a payment in XX/XX/XXXX they did not need the bankruptcy information because the monies were still owed. I explained that I was not aware of a payment in XX/XX/XXXX and asked how much. She would not provide me with the information, but stated that the {$6000.00} will not go away. She hung up again. I am being harassed by this company, and specifically by employee XXXX XXXX who refused to take down any information with regards to the Chapter XXXX filing and discharge in XX/XX/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 2019-02-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I use Money Gram to send XXXX XXXX to my parents back in XXXX on XX/XX/2019, with home delivery as service option. Today is XX/XX/2019, and my parents are still not yet to receive the money. I tried to work with MoneyGram, and already called them 3 times. But every time that they told me that they have no specific time of when they can resolve my issue, and told me to call back in 2 to 4 business days. They do not even to give me the case number. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Dealing with Bank of America : I had opened a new account with Bank of America on the day of XX/XX/XXXX of 2020. I sent an initial wire of {$1300.00} to the account ( which was all I had due to being unemployed ). Less than hour later I couldn't access the account. Without notice they had shut my account down, I had to call in efforts of understanding what happened. When I called they asked me to come back to the branch to verify an additional form of ID in efforts of getting access to the account and my funds. When I went to the branch I was advised the account couldn't be reopened they're not aware why it couldn't be opened yet and they're mailing a check to my residence. They verified the correct location and advised the check should be there in 7 days. 10 days later nothing had arrived, I called back on XX/XX/XXXX to follow up, they advised it would be there in 7-12 business days. I then followed up on XX/XX/XXXX when I was advised to give account closure a call when they're open the following Monday XXXX XX/XX/XXXX ) by a manager due to me escalating the situation. The manager advised me to ask them to perform a stop payment and pick up a cashier 's check from a local branch. I patiently waited as poor as could be to find there was no way to perform a stop payment prior to 90 days and the checks usually come in 12-15 days by the manager of the account closure department. I had been provided a different story each time I called, I had been hung up on by one associate, and advised I can not speak with a manager by the second associate as I attempted to get this situation resolved today on XX/XX/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 monetary relief
Consumer complaint received 2021-04-29
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper withdrew my mortgage payment 3 times which is NOT even due without my authorization. I am now left with a negative account and no money to even buy groceries for my family. I have called every single day and get the same response and apology and they keep saying that the issue will be resolved. Ive called my XXXX XXXX and they say they cant do anything to stop the transactions and that Mr Cooper has to reverse the payments. Im in complete panic because I have zero money and dont know when Ill get my money back. My bank has assured me that nobody has been in contact with them regarding the unauthorized transactions. Mr. Cooper is lying to us every time we call saying they are handling the issue. I need my money back immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: ALLY FINANCIAL 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-02-26
Company: ORG GC GP Buyer, LLC
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from GC Services Limited Partnership about student loan debt I owed. I called them the week before XXXX, XX/XX/2017. I provided my financial information over the phone to them to get me qualified for a rehabilitation program. I was provided a payment amount and made my first payment that day. I waited for the paperwork to come, signed it and sent it back. A few weeks later I was called and told that I owed a much higher payment amount and needed to make that. So I agreed, made that payment, waited for paper work, signed it and returned. This continued on every month since. I get a phone call advising my payment is again much higher than previously stated, no one can give me a reason why and I just have to make the payment or I will have my wages garnished. I've tried working them for over 3 months now to get this plan started so I can improve my credit and get this behind me but they continue to have problems on their end that I end up suffering for. No one will give me any credit for the already {$800.00} I've paid them. The program works so you make a monthly payment for 9 consecutive months and then you're student loan debt is put back in good standing and you can apply with a different servicer to lower your payment. So after 3 months and {$800.00} they refuse to give me credit for those payments at no fault of my own, which they even admitted on the phone!!!! I can't deal with this company. They should not be in the debt collection business and I feel like I was just scammed from them. Can someone please contact me to help get this company out of business so this does not continue to other borrowers who just want to improve their credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX agreed to remove late marker on credit file date for XX/XX/19. However XXXX  and Experian will not allow me to reinvestigate or submit a dispute.

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 2017-08-07
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection was left on my name by my ex husband. He had all my information and had a lot of things put on my name and left them owing. Please remove as soon as possible as I am taking legal actions with him. Please remove this debt collection amount of {$880.00} from 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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 bought a new truck on XX/XX/2020 I told the dealer who I was getting my financing thru and I have several hard inquiries on my report I contacted capital one auto finance and I talked with XXXX and I explained they did not have permission to pull my credit they said the dealer had to remove the inquiry I told him the dealer did not put the inquiry on my credit and he hung up the phone on me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Since late XX/XX/XXXX, I have been working with Capital One who finances my auto loan to get my car, bought out of state from Massachusetts, registered in my home state of Colorado. After calling their customer service several times, I was given misleading information about how to obtain a lienholders agreement. A representative erroneously instructed me to send the Mass. title to them. When I called in the Fall to get the title back or mailed to the Colorado DMV, Capital One refused. After many repeated attempts to call and submission of an online complaint in my account, Capital One still refuses to comply, so I am unable to register my car , drive it, or sell it if I wanted. I've been without a car for months now, going now into XX/XX/XXXX! I urgently need help to mediate with them to send the Mass. title to me or my local DMV so I can get my car registered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018 I have applied for promotional offer from American Express XXXX Business card that offered XXXX points after spending {$5000.00}. After meeting the spending requirements I was not awarded the welcome offer points. I have not had any messages from American Express stating that I do not qualify for welcome offer. I have met eligibility requirements. I have contacted Amex multiple times, asked to open investigation. Points were still declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested on  XX/XX/2019 that Afni send me validation bearing my signature of a collection account that they place on my credit report claiming i owe XXXX Which i don't recall ever having an account that i owe XXXX to Afni nor XXXX. On XX/XX/2019  Afni sent me a letter of verification and not Validation bearing my signature . Included in this letter it was stated that the Current Creditor of this account is XXXX . On XX/XX/2019 i sent Afni another letter asking for the validation since they say that I owe them. ON XX/XX/2019 Afni did not provide me Validation once again bearing my signature. Also this Letter stated that the Current Creditor is XXXX and that Afni will now cease in further communication with me regarding this account.

Company response to consumer: Closed with explanation