BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America I filled a fraud on my account on XX/XX/2014 bank America claimed no fraud was committed they claimed I reported claim on XX/XX/XXXX on my XXXX XXXX and lied about amount n questions which was XXXX they told XXXX XXXXXXXX I owe them XXXX and XXXX XXXX told me I needed to have XXXX to clear account with them not being able to open account go letter which is dated on top XX/XX/2014 but saying XX/XX/XXXX in question clearly a fraudulent act on bank America and XXXX XXXX see it's my right to a fair report and it's not they have a fraud under my name and can't open bank account or get credit card I have XXXX credit can't get card cause of them if name not cleared will seek legal action as it say I can n fcra act it let me attach only two items the date on top on page saying XX/XX/2014 camara phone didn't get would not let take third pic

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 2018-06-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with XXXX dollars with first national bank of pennsylvania. After 1 day my online access was cut off due to me living outside of their traditional service territory. I called their customer service 3 times and the first 2 times i was told an online rep would call and reach out to me which never happened either time. Afterward, i tried to close the account out and they told me I have to do it in person. I live XXXX miles away and can not go into a branch and they wont do anything for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had 2 appraises done on the property and 100 % everything including size and work required was 100 % different in both reports, last one wanted a electrical inspection but 1st said there was no issues, almost nothing stayed the same between the 1st and 2nd report done, quicken refuses to have it redone by a 3rd party for any verification or cover the inspection for electrical that was request by 2nd. They refused to do anything about it. 

on the deposit they made me place for XXXX and refuse to give back. im sure that upon review of the tape it will clearly show that I asked about this and I was told THIS IS A CONSENT TO DO BUSINESS further it was stated that THIS IS 100 % APPLIED TOWARDS YOUR LOAN. I also stated about what if things did not go well and in return it was stated to the effect of THIS IS ONLY TO MUTUALLY ASSURE A COMMITMENT TO DO BUSINESS AND THIS IS A DEPOSIT THAT GOES TOWARDS YOUR LOAN a deposit is something that is returned once business is completed and in this case that was told to BE APPLIED TOWARDS THE LOAN, IN EFFECT IT IS TAKEN OFF THE LOAN SO YOU DO GET IT BACK IN THE END ... 

THEY REFUSE TO FIX THE REPORTS, THEY REFUSE TO KEEP LOAN OPEN TO I CAN GET REMEDIATIONS DONE, THEY REFUSE TO DO THE ELECTRICAL INSPECTION, THEY REFUSE TO GIVE ME BACK MY XXXX DEPOSIT and point to a document that was signed in hast because of what i was told.. 

I WANT MY XXXX BACK, OR I WANT THEM TO DO THE INSPECTION AND GET A 3RD PARTY I AGREE ON TO DO A NEW REPORT BECAUSE THEY CONTACTED WHO THEY WANTED FOR BOTH REPORTS, WELL THERE PREFERRED TITAL COMPANY XXXX DID ANYWAY.. SO THEY PREFERRED COMPANY GOT THEY PREFERRED PEOPLE TO DO A REPORT THAT FAVORED THEM AND NOW REFUSE TO HAVE A INDEPENDENT 3RD PARTY DO ANOTHER TO RESOLVE THAT MATTER THAT 1ST AND 2ND REPORTS WERE DIFFERENT IN ALL AREAS EVENT BUILDING TYPE, SIZE, LIVING AREA, ELECTRICAL, PAINT, REPAIRS NEEDED, ETC ... THE 1ST REPORT SAID ABOUT 1,000 TO FIX IF YOU HIRE SOMEONE, THE 2ND SAID ABOUT 5,000 FOR THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have hard inquires from XXXX and XXXX XXXX from XX/XX/2017. 
I have XXXX XXXX services as my cable company for the past two years. 
Don't understand why these companies would pull my credit without authorization.

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 2021-03-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days letter I have not gotten a response. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress this has caused me. My information WAS also impacted by the Equifax DATA BREACH and may have got in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern I was served a copy from a court settlement debt. This XXXX account that's being mentioned in the court ordered judgement is not valid. My Name is XXXX XXXX and I currently live at XXXX XXXXXXXX XXXX   XXXX CA. XXXX, my phone number is XXXX XXXX XXXX.I was served a letter from court of XXXX County XXXX XXXX XXXX XXXX CA XXXX. The petitioner is XXXXXXXX XXXX with the case number of XXXX and I as the defendant. I never opened this XXXXXXXX XXXX nor did I ever lived at the address mentioned by them ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. I tried calling Moore Law Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX ( XXXX ATTORNEY ) but no luck. I was only able to leave a message. Please help me settle this or correct this mistaken debt collection. 
I could also be reached at XXXX or XXXX XXXX XXXX. 
Thank you and have a great day.

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 2018-07-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 Chase bank charged me two overdraft fees of XXXX dollars each from two transactions that caused my account to be over however that same day as soon as I noticed I was charged I went to the bank to deposit the money to make sure it was not over drafted. Even though I did that I was still charged those fees totaling in {$68.00} worth of fees I have other bills to pay and this is very frustrating because I deposited the money the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27
Company: Frontline Asset Strategies, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018, Frontline Asset Strategies called my father at his work and told him that they were a collection agency attempting to get a hold of me. My father is not on the loan, and they knowingly called a 3rd party at their place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle got shut down after fixing the vehicle after having an impound in four years straight I was unable to pay car loan monthly payments because of in an out jobs Ive been working for the past five years trying to make ends meet when I got the car I thought I was gon na be able to afford it but I always ran into a financial issue that would not allow me too afford any car payment so ISo I continue to drive the vehicle until it was shut down hi caught multiple speeding tickets and my license got suspended because the cop said that my vehicle was unsafe so theres nothing that I can do to try to fix the situation

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 2018-08-18
Company: Ditech Financial LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XXXX XXXX saying that I am behind in my mortgage payment and they have a right to invoke foreclosure, etc. 

I received a letter dated XX/XX/2018, that says that unapplied funds were moved from unapplied funds and moved to the principal and my next mortgage payment is due on XX/XX/2018. 


Why are they threatening to foreclose. I am not, nor have I ever been behind on my mortgage payment. In fact, I have a long history of paying an additional {$1200.00} on the principal each month. I was doing it electronically, but then they told me they could not do it that way, I started sending them a check with a coupon telling them how to apply it. They still could not get it right and now they are threatening me? This is not right.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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 status incorrect

Complaint:
I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
disputed with company on in XX/XX/2018 company recieved my disputes that same month according to certified mail. It is now XX/XX/XXXX and i have yet to hear back from company. the FCRA gives the company 30 days to respond, i have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Commonwealth Financial Systems, Inc.
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:
What is this complaint about? Collection Agency What type of problem are you having? damaging my credit What happened? Collection Agency bought old doctor bills that insurance paid already What company is this complaint about? Commonwealth Financial Systems, Inc Who are the people involved? XXXX   credit, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: ACS Education Services
State: HI
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:
On XX/XX/18, I made a call to ACS or Conduent ustomer service about my student loan trade line item on my credit report from XXXX. It is being reported as 120 days past due. However, the student loan was transferred to another office, called XXXX, and is being reported as current. Both of these are showing on my credit report. I explained to customer service that their reporting is misrepresenting my credit profile as non-current when, in fact, it is current and in good standing. 

Customer service says that it was in default at the time it was reported. At that, I was contacted by another office who was willing to help me out of default through loan rehabilitation. When I finished that program, my loan was transferred to XXXX of which payments are in good standing. 

There should only be a single line item for my student loan, which is XXXX. ACS will not remove their derogatory information upon my request. I have reached out to XXXX via a credit dispute and they informed me that to contact ACS. My dispute to XXXX was that I have duplicate accounts on my credit report which is my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION XXXX XXXX XXXX ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2018-11-16
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
While in the process of trying to refinance my home, I found out on XX/XX/XXXX, that I have a lean in the amount of {$21000.00} from FHA/HUD. I made a few phone calls and found that this happened while modifying my loan with Ocwen Loan Servicing in XXXX. A modification that I feel I was forced into ( later ). I reviewed the documents of the modification and nowhere does it state that a lean will be placed on my title, nor anything in the amount of {$21000.00} of being owed at all. It shows the old and new principals, and the monthly payments and rates. I was forced into modification because while awaiting a XXXX hearing I became late on my payments around XX/XX/XXXX. When I reached 3 mos. past due, they refuse all payments, even those above a full monthly payment, and threatened me with foreclosure. They even refused to send me monthly statement for the months of XXXX andXX/XX/XXXX because I was behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I filed a fraud claim for {$690.00} for a transaction post date of XX/XX/2018. I did not receive any action from Chase for weeks, despite calling consistently to understand next steps. No information was ever asked from me and they had misfiled my claim as a dispute when it was fraud.

I received a notice from Chase that the amount is legitimate despite no explanation or evidence of a billing error. I am not disputing the claim as a billing error. I was charged by someone in XXXX so it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-08-18
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.

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 2018-07-07
Company: Mercedes Benz Financial Services
State: NY
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 a car lease with mercedes benz financial services. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I dont know how to go about reporting my Id and social were stolen along with my wallet and every card I own. I keep getting phone calls from loan companies and Ive never applied for and one new account for Best Buy two days ago which wasnt me. Please help 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 non-monetary relief