BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the month of XX/XX/2020. I called multiple times to have the Holds released from my account. 

I previously had a three month forbearance on my account that was Paid in Full on XX/XX/2020. 

Since that time I have Paid my Mortgage on time for the months of XXXX XXXX and XXXX. 

On XX/XX/2020 I wrote a letter to Bank if America asking them to release the hold on my Account as I have paid the forbearance and need No further assistance is needed.

Its been more than 60 days and Bank if America still has my Mortgage Account assigned to the Home Retention Department. 

After I mailed a letter requesting my mortgage account be released, I received a letter from Bank of America dated XX/XX/2020 saying my name is XXXX XXXX and she is my customer relationship manager. She further states she is here to help me pursue options with my home loan payments. 

I am Not behind my payments have been paid in time after the forbearance that ended XX/XX/2020. While in the forbearance only one payment was late due to Bank of America losing the payment and processing it late. 

My account number is XXXX. My name is XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX GA. 

There is no reason for Bank of America to hold my account hostage since the forbearance has been paid. 

This hold has a negative impact on my account. First and foremost I can not make payments online and other things. 

This is the Fourth request Ive made to have All holds removed from my mortgage 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 explanation
Consumer complaint received 2020-12-16
Company: TD BANK US HOLDING COMPANY
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.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 response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TransUnion continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2021-06-08
Company: LEXISNEXIS
State: MD
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:
On XX/XX/2021, I requested a copy of a credit report from LexisNexis. I received a copy of this report on XX/XX/2021. 

On XX/XX/2021, I submitted a request via Certified Mail to LexisNexis to validate a Bankruptcy with the US Bankruptcy CourtXXXX XXXX to be listed as100 % accurate with no missing information. 

The letter certified letter was received by LexisNexis on XX/XX/2021. In response, I received a letter dated XX/XX/2021 that LexisNexis contacted XXXX XXXX XXXX to determine the accuracy and completeness of the information they are reporting. However, they did not verify the information to be reported 100 % accurate with the US Bankruptcy Court-XXXX XXXX I also verified with the US Bankruptcy CourtXXXX XXXX in writing that they do not verify or validate information with ANY Credit Bureaus or Credit Reporting Agencies such as LexisNexis. 

On XX/XX/2021, I sent a second letter via Certified Mail to LexisNexis to validate a Bankruptcy with the US Bankruptcy Court-XXXX XXXX to be listed as 100 % accurate with no missing information. 

The letter certified letter was received by LexisNexis on XX/XX/2021. In response, I received a letter from LexisNexis that they were unable to process my request at the time. 

As of XX/XX/2021, LexisNexis continues to provide Bankruptcy information to Credit Bureaus and have not verified said information to be 100 % accurate with no missing information with the US Bankruptcy Court-XXXX XXXX. 

Furthermore, the information is not being reported accurately & correctly with all Credit Reporting agencies. 

This inaccurate information has a negative marking on my credit and is affecting my ability to obtain credit as well as my credit scores. 

I would greatly appreciate it if you can make written contact with LexisNexis and request that they verify with the US Bankruptcy Court-XXXX XXXX in writing the information they are providing to Credit Bureaus to be 100 % accurate & complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a complaint in the pass that capital One said I am owing themcertain amount which I have fully paid off and yet Capital One is stillcalling me that I owe them. I am still getting calls from one XXXXwho said that I should call her to discuss the amount I am allegedlyowing capital One. I am complaining that claim and I am stillcomplaining about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Credit Central Holdings, LLC
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX has called me at least three times this week I told them that this is harassment and I was going to take action and wanted the calls to cease. They have never sent me an invoice or letter telling me of this debt.

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 2018-08-07
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
American Express notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRUIST FINANCIAL CORPORATION
State: WI
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 customer service

Complaint:
I received a Visa gift card from a former employer. This particular card was never activated and BB & T is telling me it was and they have taken XXXX in so called maintenance fees. I found the card yesterday and it has never been used. I had another gift card for the same amount that was used, but not this card. I do not activate these cards until I am ready to use them based on past experience. When I called customer service, all I wanted to do was see if I could reactivate the XXXX since it just expired on XX/XX/XXXX. Then one person told me it was activated in XXXX. Another person said it was activated in XXXX and that XXXX in fees had been take out due to non use. I never activated this card. This is a gift card. There should be no maintenance fees on a gift card that was never activated or used. I tried talking to a customer service person and a supervisor on XX/XX/XXXX and they refused to help. I just want the XXXX back on the gift card so I can use it. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently received an insurance claim settlement from XXXX Hurricane Irma. During the long 18 months of claim denial from XXXX XXXX XXXX XXXX XXXX XXXX, I was tasked with replacing my entire roof total cost {$44000.00}. The roof damage was destroying the cedar ceiling thus creating additional problems that were not covered in my original hurricane claim. A s a last result, the roof had to be replaced at my expense and I was forces to sue the homeowner 's insurance. The full roof was replaced in XX/XX/XXXX by a licensed roofing company, XXXX XXXX roofing. At this time, during XXXX Hurricane Irma and the XXXX roof replacement, PennyMac WAS NOT my mortgage lender. My loan was transferred to PennyMac in XX/XX/XXXX. At the time that PennyMac acquired my VA mortgage there was no outstanding insurance claims, as teh previous XXXX Hurricane Irma was denied. After months of litigation via the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I was granted a settlement in XX/XX/XXXX. The check was payable to myself, PennyMac and the claims adjuster. After endorsement from the claims adjuster on XX/XX/XXXX, I contacted the insurance claim department A PennyMac was given these instructions : please mail the settlement check with a letter of exception to PennyMac insurance claim dept. In the letter of exception please request a endorse and release of the settlement check based on the roof repairs are completed. Include the settlement paperwork from the law firm, all paid receipts, and the roofing company invoice. PennyMac has received ALL required documents, ALL paid receipts, ALL invoices, a FINAL inspection was completed on XX/XX/XXXX and I have yet to receive a phone call with a status on the release of the funds. I continue to call PennyMac insurance claim dept. several times per week and each conversation is with a different representative that NEVER seems to be knowledgeable of their process. Please investigate this company and the way their claims dept. operate. They should not be an approved VA lender. All reviews and/or complaints regarding PennyMac are similar and warrants an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  XXXX XXXX reportedly announced me as guilty of check fraud because I had reported it and drawn funds against a check I had deposited. This was then used against me by XXXX XXXX   using XXXX XXXX as a credit reporting agency. 

XXXX  is waiting for an associate with XXXX XXXX to admit that she had made payment arrangements before the payment was late. This has since been paid in full but still holds up my credit report somehow, further impeded by the multiple efforts to get a mortgage refinance so I can get out of debt sooner. These inquiries, about 50-60 total, also hold up the process.

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 2019-09-10
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I am XXXX XXXX  owner of a white XXXX XXXX XXXX 2 door.  The XXXX was financed thru Santander Consumer USA.  On XXXX XXXX they illegally towed my car and never returned.  They never provide me court order.  I was XXXX XXXX US XXXX when I got the car and remain active when the day they illegally repossessed my car.  I would like to submit a formal complain to the Santander Consumer USA.  On XXXX XXXX I receive order to deploy to XXXX XXXX XXXX XXXX XXXX and after that I was deployed to XXXX.  I am submitting this complain in order to get my jeep back.  Failure to provide me resolution I will move forward to sue the company in accordance with the SCRA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WA XXXXXXXX XXXXemail: XXXXI would like to please the SANTANDER rep to call me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Complete Credit Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complete Credit Solution is reporting false information on my credit report for debt I do not owe. Credit Complete Solution is reporting on behalf of XXXX. I received a loan forgiveness and cash settlement from XXXX due to class action lawsuit that was approved and finalized by a judge in XX/XX/XXXX. I received my cash settlement from XXXX in XX/XX/XXXX. XXXX was sued because they processed loans that were made at annual interest rates greater than what was approved by state law and the company did not have a license to lend in the state when one was required. As part of the class action lawsuit that was approved by the courts, XXXX is to remove all negative information from my credit report and reflect the loan paid in full as I have received a cash settlement and therefore could not possibly owe the same amount this company is reporting. I have trie in good faith to reach out to this company and the number listed on my credit report is disconnected. I have sent proof of paperwork from judge showing details from class action lawsuit and credit bureau continues to report information accurate when they are not taking the time to investigate my claims. My intention is to file a claim every month until this is removed from my credit report as I will never pay something I do now owe. I have proof of court documents showing I was included in class action lawsuit along with copy of cash settlement payment received from XXXX. Why does Complete Credit Solution continue to report negative and inaccurate information? This is sp frustrating to the average consumer who has to continue to fight to remove incorrect information off of their credit report, however I will do so until this information is removed. It is expected to remove from credit report until XX/XX/XXXX, however I will continue to submit my claim until it is finally removed as this debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
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:
I have used a " platinum rewards '' credit card ( Visa ) from Penfed Credit Union for 15 to 20 years ; its reward program has been based on points earned on purchases with credits based upon type of merchant 's business, i.e. 3 % of groceries, 5 % of gasoline, 1 % of all other purchases. Receipt of rewards in the form of prepaid debit cards had been obtained usually with a telly call to an XXXX number. Lately the telly # has been removed from the monthly statements sent to me and can now be accessed only by calling the general access customer service line and only after going through an elaborate security scheme will the telly # to the awards department be offered XXXX XXXX XXXX XXXX ). The last 2 times I called XXXX the 1st about 4 weeks ago, the latest XXXX XX/XX/2012 ) I was told that the personnel in the awards dept. were busy and would return my call " the next business day '' or " in 3 hours. '' No return call was received in either case. I believe my total points earned is over 11,000 and should be worth about {$100.00}. If Penfed has changed policies re their awards program no notice of any kind re such changes were ever sent me. My account has always been paid timely. I request that the CFPB investigate this matter and see that Penfed Credit Union honors its reward program as advertised.

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 2020-05-27
Company: EQUIFAX, INC.
State: OH
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:
This is the first time I have encountered identity theft. Ipulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Financial Recoveries, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is collection account in my name for a medical bill that is not mine. It's through Osh Kosh recovery but serviced by XXXX XXXX. We had an initial police report done and " XXXX '' at XXXX XXXX stated it wasn't a police report. Extremely belligerent and rude. I called XXXX XXXX Police Department and Officer XXXX clarified that it was a police report, however, we had him do another as another Fraudulent bill has appeared.We sent that report and its still according to XXXX being further investigated by Osh Kosh Recovery and is not being deleted from the credit reports. He stated they were attempting to get more  identity information like a drivers license and signature.Well, it clearly states in the police report that my wallet was missing and later found by someone. It was never reported in Wisconsin because nothing was charged or taken from the wallet. Signatures won't be mine but the Drivers license could be because it was in my wallet. XXXX XXXX has been horrible. Federal law states we can record the call regardless of state law as XXXX trumps state. XXXX has been horrible to my wife regarding this situation and this needs to be addressed. I have submitted all evidence and will not be threatened that they will re open the Osh Kosh account. Osh Kosh will not take our calls!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: PNC Bank N.A.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX 2020, I have no record of making a payment to PNC credit card services. On XX/XX/XXXX, I called XXXX, and talked to the bank consultant. I asked for the full balance due. I was informed that I owed {$250.00}, which I paid by debit card with the Reference Number XXXX. On XX/XX/XXXX, I was contacted by PNC by phone, and told that this was an attempt to collect a debt and that my credit score might be adversely effected. I declined to make a payment at that time. On XX/XX/XXXX, I spoke with a bank consultant, who informed me that the debt was due to a late payment in XXXX. I stated that, if that was the case, I should have been so informed when I contacted the bank on XX/XX/XXXX. The bank rep told me that she saw my payment of {$250.00} on XXXX XXXX, 2020. 
However, she said that the late fee and interest were still due. I stated that I should have been informed of this on XX/XX/XXXX and that the penalty and interest should be removed from my account.

Company response to consumer: Closed with explanation