BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I believe this bank should be investigated for possible violation of the EFA Expedited Funds Availability Act ( EFA ). Specifically, Subpart B, VI, regarding availability of funds deposited. On XX/XX/2022, a personal check drawn on XXXXXXXX XXXX for {$15000.00} was deposited into XXXX Bank of America ( BofA ) personal checking account at the BofA location at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Upon inquiry, the teller indicated that funds would be available the next day. If BofA is delaying the funds based on " Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ), '' then notice should have been given at the time of the in-person deposit. If BofA is invoking " Reasonable Cause to Doubt Collectibility ( 229.13 ( e ) ), '' then " it must notify the customer, in writing, at the time of deposit. '' Later, we received notice that a deposit hold was placed on this transaction and the funds would not be available until XX/XX/XXXX, a total of 8 business days after the deposit was made ( deposit was made prior to XXXXXXXX XXXX. ). If BofA is found to have rightly invoked an exception, then " Availability of Deposits Subject to Exceptions ( 229.13 ( h ) ) '' specifies that, " For deposits subject to exceptions to the availability schedules, other than deposits into new accounts, the depositary bank is permitted to delay availability for a reasonable time beyond the schedule. Generally, a reasonable period is considered to be no more than one business day for on-us checks and five business days for local checks. If a depositary bank extends its availability beyond these timeframes, it must be able to prove that the extended delay is reasonable. '' I do not believe there is any reasonable claim for delay beyond the required five business days. Many thanks for investigating this case in order to protect consumers from unreasonable delays in our electronic banking age, the goal of the EFA.

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 2021-04-16
Company: STOCKTON MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Secured new mortgage with Stockton Mortgage in XXXX last year after going through extensive underwriting and submitting all my documents as requested by the company. Two months later I received a letter from them stated I needed XXXX XXXX. I did not have XXXX XXXX when I was approved for the loan. So I contacted my insurance company to get XXXX, but not having XXXX XXXX previously and now after a new mortgage closing it was very difficult to get. The letter Stockton Mortgage provided stated that my XXXX XXXX lapsed, I never had it. So the insurance company would not add it to my policy. I had to wait and have a new policy written. I live in Florida and my home is 8 houses from the XXXX XXXX. It is also hurricane season. I also had to have a wind mitigation inspection done before coverage would be approved by insurance company. 
Stockton went ahead and charged me {$370.00} for XXXX XXXX in XXXX for a period of 2 months that have passed. I received no policy from them or coverage dates or anything that I could possible use if I did have a claim. Also when called Stockton said it would reimburse my escrow account the {$370.00} back but after repeated calls another underwriter of theirs overruled. I made every good effort to correct Stockton 's oversight of requiring XXXX XXXX. I should not have to pay for a coverage that was not available to me and is unnecessary as there wasn't even any storms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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:
Please see attachment which has all the required information. I am in the process of mailing this letter to XXXX and CheckSystems.

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 2017-11-06
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, XXXX, I applied for a Mortgage loan with Caliber Home Loans to refinance my home and I specifically spoke to XXXX XXXXLoan officer. 
XXXX asked for all necessary documents to start processing my application, all of which I provided as requested. Unfortunately as required by Law, I never received the initial disclosures within 3 business days of Application receipt Date or a Credit Decision within 30 days of application date. 
On XXXX XXXX XXXX XXXX contacted me and said that my loan application had been approved and will be sending me initial disclosures. 
On XXXX XXXX, XXXX, I received initial disclosures from Caliber Home Loan but was asked to back date the disclosures 3 months back to when I initially submitted the application! LE of GFE not among the initial disclosure package provided by Caliber. I called/emailed the Loan officer asking for my LE and he said it will provided as soon as he gets it. I still have n't gotten my Loan Estimate. 
One month passed by without hearing from Caliber and on XXXX I was shocked to receive a Notice of Denial from Caliber stating that my loan was denied due to : Credit Application Incomplete. This is simply not true, I never received a Needs Letter from Caliber however I did receive an email confirmation from the Loan Officer stating that my loan was approved. I am so disappointed by Caliber Home Loans unethical business practices. It 's evident that mortgage companies such as Caliber did not learn anthing from XXXX mortgage crisis and surprised that it is still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to a WellsFargo branch to apoly for a bank account I was a nember 10 years ago and closed my account l, i did was affected by the scam they were doing and today while I was applying for the account the banker ran my credit without previous notice or consent and then denied me an account. I asked why she ran my credit without authorization and she kept explaining that is not a hard hit to it shouldnt affect me that much. But I never authorized them to rub my credit. 
She gave me documantion explaining what she did today but It is still not specified why and how my credit was ran.

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 2021-10-19
Company: Resurgent Capital Services L.P.
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:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH LVNV FUNDING LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Rocket Mortgage, LLC
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Currently we have a mortgage with Rocket Mortgage. After one year they started making numerous phone calls. I finally talked to someone to get them to stop the calls and they told me they wanted to present a proposal for a new mortgage. I told them there was no way they could improve it. They called back later and said I was right. However, without telling me or obtaining my approval they ran numerous reports against my credit. They continuing calling me and harassing me. I have advised them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on XXXX my account had a balance of XXXX - which i made a deposit of XXXX on XXXX and after fees/ charges ( XXXX, XXXX, XXXX ) were taken out .. i was left with XXXX as of XXXX posting date - as of XXXX i had a balance of XXXX and from my understanding that is my available " posted balance ''. so i made other payments and so forth - and on XXXX i was given a " temporary credit '' of XXXX ( which was already paid for by me from my deposit made on XXXX ) so i am not sure why this " temp credit " was given since i paid /took care of it on XXXX w. my deposit ). thats my first concern - i did not ask for temp credit, why would i if it was taken care of by my deposit. - fast forward to XXXX i turned off my debit card and canceled my ahc payments from my providers i use. and on XXXX forward i got a total of XXXX nsf fees on my account. brining my total negative on my account to XXXX ... on XXXX i called and spoke with XXXX in the overdraft team. she transferred me to XXXX with escalation team and she transferred me to XXXX w. advocacy group. they opened up a case to see if all the overdraft charges could be removed - because my card was turned off. and my accounts for ahc were turned off. - no one could assit. well around XXXX XXXX recieve an email stating they are going to reverse the credit that was given to me on XXXX and it will cause my account to be more negative. XXXX of all i did not ask for a credit. XXXX of all i am asking for help to bring my account in good standing and no one seems they can help. i have been with them for XXXX + years and still no help - i need to show how wells fargo really works ... .. there posting dates for transactions take forever and now i am paying the consequences..

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 2019-04-22
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is in regards to the original complaint XXXX. 

Company responded with original decline letters, and additional information. The additional information specifically states that they refused to take a fresh pull of my credit information and was going on information obtained before I applied to unsecure this card. 

This company declined my request based on negligence, laziness, and refusal to properly engage in fair credit practices. Why are they allowed to make a decision based on outdated information? 

In addition, i made it very clear in my complaint that all my revolving debt is paid monthly now, and they cited having a " high revolving credit '' as the reason I was denied, Since when is less than 10 % credit utilization considered high? 

They also claimed I have a credit score of XXXX, That is incorrect. My credit score is XXXX, not XXXX. Why is the CFPB closing a complaint when it is so obvious that the credit card company is negligently lying to the CFPB and giving misleading information? 

USBANK, Last chance to fix this issue, the next step for me is going to be retaining a lawyer and starting the extremely expensive discovery process, and the process of moving this into a class action lawsuit to find others like me who you have negligently lied to

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 2021-09-12
Company: HALLMARK HOME MORTGAGE LLC
State: IN
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:
serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file

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 2018-01-18
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:
UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/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 2017-11-06
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX is representing the holders of our mortgage and the servicer, Ocwen. They filed foreclosure in XXXX. We filed counterclaims for breach of contract because the loan servicer, XXXX XXXX, did not properly apply payments. 

XXXX XXXX, lawyer at XXXX XXXX, obtained and presented a false affidavit written by XXXX XXXX of Ocwen, the current loan servicer. This false affidavit states that we did not make payments in XXXX & XXXX of XXXX causing us to be behind in payments. 

This is completely false and is proven with the new mortgage modification agreement that we entered into in XXXX XXXX that recast the interest from XXXX and XXXX of XXXX, added it to the principal balance with the first modification payment due on XXXX XXXX, XXXX. 

This contract is a simple, common, unambiguous mortgage modification contract. This type of contract law is taught in the first semester of law school. XXXX XXXX has been an attorney for some time now so it would be a natural conclusion that she is capable of reading a very clear and simple contract. Therefore she is well aware that the affidavit she obtained from XXXX XXXX is false and contradicts the very contract that is being foreclosed on. Other business record evidence that supports the contract includes phone records and payment records. 

Not only did XXXX XXXX commit perjury, XXXX XXXX knew that the affidavit was false and still filed it as evidence in this case. I truly believe that XXXX XXXX committed suborned perjury by knowingly convincing XXXX XXXX to write a false affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit reporting companies are including number of credit inquires as a factor in computing my credit score. I have no control over whom is doing inquires and the frequency of those inquires. Further, several inquires were not related to actually applying for credit but only to check interest rates. These uncontrolled and frequent inquires are having a negative effect on my credit score which affects my ability to get lower interest rates.

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 2022-03-08
Company: Experian Information Solutions 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:
I have tried contacting this company asking for information on this account. I did not authorize this account. This account is not mine and i have told them that and they will not remove this fraudulent account XXXX XXXX XXXX XXXX acct # XXXX XXXX I also found some incorrect addresses on my credit report as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX I also found incorrect spelling of my name 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 non-monetary relief
Consumer complaint received 2017-11-03
Company: CITIBANK, N.A.
State: NY
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:
On XXXX/XXXX/2016 Citi bank put a {$3000.00} refound process on my monthly statement claim as I used check of the XXXX XXXX XXXX to pay my Citibank cridit card and it bounced back so they charged me {$3000.00} I never payed my cridit card with a check when I asked them to send me a copy of the check payed to my cridit card they refused my request.its been about more than half year the I called the bank many time, at the first they say it 's the system error, they told me do n't worry about it. After I send the complaint on cpaf they tells me another story..

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 2019-06-25
Company: Resurgent Capital Services L.P.
State: MO
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:
Lvnv Funding XXXX claimed they took over my debt from XXXX XXXX credit card. Multiple times I have been called and I asked for the. To send me proof of bill. If I owe I would make pmt arrangements. I never received anything. Today my house member called me and stated I got served. It is {$820.00}. I do not want yo have to go to court. I just want proof!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. Experian violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate 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 2017-11-02
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email from Synchrony that my " XXXX XXXX XXXX '' card was good at other retailers that used XXXX XXXX. The email offered a link to follow to find other valid retailers. XXXX XXXX was listed as one of these. When I arrived at XXXX XXXX they verified that they did use XXXX XXXX so we thought it was fine to used my credit. I had a {$1000.00} credit. 
I bought new tires and had them installed. When I went to pay it would not accept my card. We called Synchrony and they said the card was n't any good there, I needed to have a XXXX XXXX  credit. I explained that the email that they sent me listed XXXX XXXX. Synchrony would not accept my valid credit. I asked to close the current account and reopen in XXXX XXXX. They closed my account and then refused/denied to open a new one. So not only did I have to endure humiliation of my credit not going through, but I lost my line of credit completely. 
The email was very clear, and XXXX XXXX was listed as a valid vendor. 
I could have lost my car ( because XXXX XXXX would have held it until it was paid ), my job ( for lack of transportation ), and everything I have- all because of false advertising. And this is a very clear case of false advertisement.

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