BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi, I made a ACH Transfer from my XXXX Bank of America account to XXXX XXXX account in at amount of {$6200.00} on XX/XX/2020. The funds were sent to the wrong account number. Funds were sent to Account # XXXX instead of XXXX XXXX Account # XXXX. I failed a complaint with my Bank of America but the claim was denied by XXXX XXXX and funds posted to the wrong account number. Now we are short of {$6200.00}. 

Thanks XXXX XXXX PH # 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 2020-12-04
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2020 I've sent a disputes regarding to those unknown and inaccurate account I found on my credit report but over 30 Days today I haven't received a response. I was a victim of XXXX  Data Breach. I demand to Delete those account ASAP.

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 2020-05-31
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX Opened this Closed Account without my permission.!!! See attatched XXXX 1099-C IRS CANCELLATION DEBT MC ending XXXX XX/XX/XXXX XXXX. THIS ACCOUNT WAS USED TO OPEN OTHER ACCOUNTS I DID NOT AUTHORIZE. XXXX XXXX XXXX XX/XX/XXXX *UNAUTHORIZED BY ME and XXXX end XXXX XXXX *UNAUTHORIZED BY ME THIS ACCOUNT IS ID THEFT FTC # XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Home Point Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home owners insurance lapsed XX/XX/18. Home Point Financial is my mortgage company, they haven't sent payment l. I have tried calling and emailing also representatives at XXXX have tried as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is regarding my XXXX XXXX Mastercard and Better Balance Rewards credit card by Bank of America. The accounts were opened in XXXX. I had completed my bonus sign up offer for the XXXX XXXX Mastercard. After the initial payment, there was a balance on the credit card. The creditor failed to send statements to my address and email address to notify me of this balance causing a negative report to appear on my credit reports. 

After calling and making the payment to the bank 's collections department, they assured me that there was no balance on the credit card and no further payments would be required. They assured me this more than once. After several months in XX/XX/XXXX, I received a notice from Bank of America in my mailing address that both my credit cards, XXXX XXXX Mastercard and Better Balance Rewards, were being closed due to negligence in payment. I called in and they told me that there was a balance of {$25.00} + late fees + interest on that amount on the XXXX XXXX credit card. I spoke to them that I had called earlier in the year to make sure there was no balance on the card since the payments were already late once. They said that there is nothing they can do and all negative reports will be put on the credit report. Due to payment negligence, they had closed both my credit card accounts without my permission or authorization and submitted a negative report to my credit file at XXXX, XXXX, and 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 2018-09-20
Company: QUALITY ACCEPTANCE LLC
State: TX
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:
I XXXX have spoke to someone at Quality acceptance which I have a car loan repossessed my vehicle on XX/XX/XXXX .I spoke a several different agents telling me I have 20 days to redeem my vehicle and it will not be a repossession on my credit. On XX/XX/XXXX they reported it repossessed and it showed up on XX/XX/XXXX. I called back and 2 other agents told me it will be changed and will just continue and repossessed will not be on my credit. Everything is not adding up I'm trying to purchase a home due to close which I told them next thing you know I see this info on my credit. How can they do this to my credit when I'm current and they told me I have 20 days and it won't be placed on my credit if I redeem in that time frame. Which it was. Please assist me with this situation. My family needs their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi I just want to file a complaint on XXXX XXXX that works for 53rd bank the problem was he calls me after speaking with my godmother about account transfer she was trying to transfer money from one account to the other because she was cosigning for house with me so he calls me and just rant he curses at me say all kinds of things saying I was a fraud Im scamming her this is my godmother Im talking about some I take care of that was moving in the house with me so he went on an asking me my job information and the phone number and I gave it to him because I had nothing to hide and I just dont appreciate Someone calling me and cursing at me that is not professional like I said his name is XXXX XXXX he works with 53rd bank I think its XXXX XXXX Illinois off of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: GA
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 notified XXXX XXXX XXXX that they are inaccurately reporting that I was late XXXX and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: AZ
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:
I responded to an offer thru XXXX XXXX or XXXX XXXX. The offer was thru XXXX. The site offered a pre approval, and I submitted the pre approval for {$2500.00}. The site told me I was pre approved and asked for all my personal information. After submitting my personal information including my bank login and password. they told me I was only approved for XXXX. This is completely misleading! If they would have told me I was only approved for the XXXX I would have declined to proceed with a credit check. I want that credit inquiry removed and the company investigated for fraudulent business practices. This company completely mislead 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 2018-02-12
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been struggling with my mortgage company in reporting my correct information. I have an account with XXXX XXXX and one bureau is reporting it as negative and being included in a bankruptcy, however XXXX did a loan modification and the payment history should be reporting perfectly on all three bureaus for some time. It's not a charge off loan. I really need your company 's help in getting this resolved. I have requested information from XXXX and from Experian to report the information correctly and I can't seem to get anything resolved. I really need your intervention.

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 2019-10-28
Company: Upstart Holdings, 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:
on XX/XX/2018, I was giving an offer for a credit loan from Upstart through XXXX XXXX in 2018 and it clearly stated this offer will not effect my credit and the inquiry will be a SOFT inquiry. The process took less than an hour and I was approved with the money in my account. Recently I ran my credit to find out the Upstart inquiry was not a SOFT but rather a HARD inquiry and it showed on multiple credit agencies. On XX/XX/XXXX I contacted Upstart regarding this issue and in fact they confirmed that the offer was made with SOFT inquiry however when it came time to finalize the loan they did a HARD inquiry. 
I asked the question why was I not told about the changes prior and the representative said : it was written on line # 13 of the disclosure statement. Since most of not all consumer do not read every single line of the disclosure and only look the apparent concerns like the payments, interest rate, amount of payments, it makes this business practice very misleading. It would have been more transparent from Upstart to disclose the HARD inquiry procedure the same way they disclosed the SOFT inquiry from the get go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Account information incorrect

Complaint:
XXXX  XXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on XXXX and XXXX it shows dated opened XX/XX/2018 and on Transunion it shows an open date of XX/XX/2018. The high credit on Transunion and XXXX is XXXX and on XXXX XXXX. The credit limit on Transunion and XXXX is also showing XXXX and XXXX on XXXX. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.

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 2019-02-21
Company: Franklin Collection Service, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I attempted to set up an account with XXXX XXXX XXXX. They sent me a router, but I was unable to complete the set up myself so I scheduled an appointment to have a technician come out. 

XXXX XXXX XXXX did not come at the appointed time, nor did they come at the next appointment. I spent hours on the phone with them trying to come to a resolution, but they never actually sent a technician to my home. 

I canceled the account and sent the equipment back in XX/XX/2017. They did not actually provide me with any service. 

I never heard anything from XXXX XXXX XXXX, so I assumed everything was fine. However, I just received a letter from Franklin Collection Service Inc. attempting to collect a debt of {$170.00} from XXXX XXXX XXXX. They are charging me for {$150.00} for the equipment I returned and {$25.00} for a service they never provided. 

My mailing address, email address, and phone number haven't changed since XX/XX/2017 so I'm very surprised to receive a collections letter over a year after I thought everything was resolved. The collections agency is threatening to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After several years of applying my monthly mortgage over-payment directly to the pri? nciple balance, my statement this month from Select Portfolio Services , Inc. says they are placing extra money in an " unapplied '' or Partial Payment column. The footnotes suggest when the amount equals a full monthly payment, it will be credited to my mortgage balance. First of all, I never asked Select Portfolio Services , Inc. to save money for me. If I am not the only victim here, how much free money is SPS accumulating for their benefit and the detriment of everyone wanting to chip away at that principle mortgage balance? Do they have some lofty goal for the use of all these surplus funds or are they just trying to discourage paying off mortgages before maturity? As a mortgage loan " Servicer '', are they not already accepting a fee for handling my account? Could the fact that I was forced into Bankruptcy to protect my house ( which means they won't communicate directly with me ) make me vulnerable to a mortgage loan servicer or whomever they represent? Is this designed to pressure me to do even more? I have never missed a payment, always paying more, never paid a late fee. Select Portfolio Services , Inc. threatens the very notion that you can retire that mortgage early!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CITIBANK, N.A.
State: CA
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 called Citibank customer support to report there is an unauthorized charge on my diamond preferred card and was told that Im not liable for the charge and they will conduct an investigation. Then on the week of XX/XX/XXXX I followed up via chat as to why I still see the balance on my Credit card, I was told by one of their representative that I will see the credit next week. I then check again the whole week and still theres a balance. On XX/XX/XXXX I contacted them again and asked as to why I have a minimum payment due on my card and also as to why they havent credited the unauthorized charge. I was told that I have to contact their security department to find out. I called that department and was told to file a police report due to the amount. I felt I was discriminated and treated unfairly because when I told the representative that I am on XXXX he told me that I can do it online. I have checked the cards terms and condition and there is nowhere that says that if its over {$5000.00} theyll need a police report. I read about the zero fraud liability and yet they are not standing by their word. Lastly, I had to pay {$300.00} plus to avoid penalties.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I ask that a statement be put in the XXXX account 1 ) Not my account and Fraud of Ownership. I asked for proof of Ownership never given. I disputed the account and asked for a statement be put in all my accounts that I invoke all rights, none waived ever. All three refused to do this and you can not dispute on line unless you agree to their terms. I refused to agree to them. Phone dispute is almost impossible to get done.

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 2020-07-20
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made my XX/XX/2020 mortgage payment on XX/XX/2020 in the amount of {$2500.00}. It was never applied to my outstanding balance on my account number XXXX. I have emailed them and called them multiple times with no resolution. I have sent the proof of payment form from my XXXX XXXX account. I am getting nowhere.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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:
I have been pursuing an amicable resolution with XXXX XXXX XXXX, XXXX regarding incorrect reporting of a " Late Payment '' with both Experian and XXXX. 

Both XXXX  and Experian are reporting incorrect information regarding these " Late Payments ''. After filing complaints with the CFPB regarding XXXX, my attorney received a letter from XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX department. 

In his letter, XXXX XXXX specifically states that the account was paid off in full prior to my 2015 Bankruptcy and that there were no " Late Payments '' or other derogatory remarks reported to XXXX  and Experian. 

I'm very frustrated at this point that Experian and XXXX  have not reported the account correctly even after filing several disputes with both the credit agencies.

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 2019-11-16
Company: Experian Information Solutions Inc.
State: GA
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:
Contact debtor on XX/XX/2019 to request proof that this is a valid debt. The companies are reporting information to my 3 credit reporting agencies without providing validation. This causing injury to my person because I am not able to obtain new credit based on these false invalidating claims.

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 2022-07-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My full name is : XXXX XXXX XXXX XXXX XXXX. | BACKGROUND : On XXXX XX/XX/2021, Citibank closed my checking and savings account and issued a check for the remaining balance of {$8800.00}. | ISSUE : The name on the check was listed as " XXXX XXXX XXXX XXXX ''. I tried to deposit the check with XXXX XXXX  ( my current bank ). XXXX refused to deposit it because the name didn't match exactly the name on my XXXX account. I tried to deposit it in my daughter 's account at XXXX. XXXX refused to cash the check, retained the original check, and provided only a photo copy of the check. I have contacted Citibank to void the original check and reissue the full refund with my full name. Citibank refuses, on the grounds that I no longer has an active checking/savings account with them. | REQUEST : I request that Citibank reissues the check for the full amount of {$8800.00}, listing my name as " XXXX XXXX XXXX '' | ATTACHED DOCUMENTS : ( 1 ) Copy of the check ( photo copy ) ( 2 ) Copy of the check ( digital ) ( 3 ) Copy of last Citibank statement ( 4 ) Copy of California drivers license ( 5 ) Copy of XXXX XXXX  ( 6 ) Copy of 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