BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Note : There are 3 attached files. BoA Rates at the time I asked for a lock in ( which is different than the rate I was given ), and 2 different versions of the Closing Disclosures. It is important to note there are 2 versions because there is a major discrepancy in these two documents that needs to be addressed. 

My name is XXXX XXXX XXXX and I applied for a mortgage from Bank of America in XX/XX/XXXX. The loan condition was supposed to be removed XX/XX/XXXX and we were supposed to close on XX/XX/XXXX. BoA did not have their paperwork done in a timely manner, they keep requesting information last minute, which I provide, and then have problems removing the conditions or updating their information. While I have had countless problems with BoA here is where we stand : 1. We were supposed to close on XX/XX/XXXX, then XX/XX/XXXX, now XX/XX/XXXX. BoA still does not have their paperwork done and we will not be closing on XX/XX/XXXX. I have been ready, with all paperwork sent in and cash on hand for closing, since early XXXX. 
2. The loan rate was locked in for 45 days ( ending XX/XX/XXXX ) and then extended 7 days ( XX/XX/XXXX ). I suspect we will have to continue extending the lock because BoA does not have their paperwork done. 
3. I was informed that the rate would be 3.875 %, however their advertised rate for someone with my credit score ( XXXX ) was 3.25 %. I am asking for them to honor the 3.25 %. I was informed this was an advertised rate, and not the actual rate. It is fraudulent to list one rate and charge another. A screenshot of that rate is included in my complaint. 
4. I was issued 2 versions of the Closing Disclosure. The first was issued on XX/XX/XXXX and had a lender credit of {$6100.00}. I was issued a second CD on XX/XX/XXXX and this credit was removed. This has increased the cost of the loan by over XXXX ; this was money that was granted by the underwriting department as a grant and then taken away. I'm asking that this be immediately restored. 
5. I was informed by XXXX XXXX that since I was paying 20 % down I did not need to include " taxes '' as part of my monthly payment to BoA. I was then informed XXXX XXXX ( both BoA ) that if I did not include them, my rate would increase by .125 %. So I don't know which person is correct. I'd rather pay the taxes myself, but if my rate will be increased then naturally I'd want BoA to pay it. However, I DO NOT TRUST BoA AT THIS POINT, they have f 'd my loan up so badly I do not trust them to collect my taxes.

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 2019-01-09
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018 I purchased a XXXX Gift Card from a local supermarket. I loaded it with {$200.00} and paid the {$5.00} fee required to purchase the card. I was careful and made sure the cardboard packaging which held the physical card was in no way opened. When I checked out at the supermarket it was the first time the package was opened exposing the barcode and 19 digit proxy number. I went home and placed the gift card in a box and placed it under the XXXX tree as a gift for my wife. 

A few days after XXXX my wife tried to make a number of purchases with the card and her attempts were denied. 

The card is issued by XXXX and distributed and serviced by Blackhawk Network California , Inc.I tried calling the phone number on the back of the card but it was impossible to speak with an agent. Only when I tried report the card lost or stolen, which it wasn't, was I able to speak to a live person. It appears that while the card was sitting under my XXXX tree, the day after it was purchased on the XX/XX/XXXX, it was used at a XXXX XXXX  XXXX for the amount of {$200.00}. This effectively brought the card balance to XXXX. 

There was no way anyone could have gotten the card information before or during the purchase process. I have to therefore deduce the card info came from XXXX 's computers during or after the activation process. 

I've filed a claim about the fraudulent purchase but they say it could take 90 days to resolve with no guarantee of a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied a credit card by wells fargo and everytime I ask WHY I get a different answer. 1st, they said it was because my account with them was closed and it wasn't, 2nd they told me I hadn't had the account long enough, 3rd they offered me the card then denied me and when I asked why they couldn't tell me. I also have an account with them and have not been able to get a replacement debit card for the one that was compromised. They stated they mailed off at least 5 different cards and I have gotten none of them. They said they would let me speak to an executive to resolve the matter, turns out she wasnt an executive but a call center supervisor that couldn't give an explanation as to why I was denied either. So I called back today ( XX/XX/2019 ) and spoke to some one again and told them that I spoke to an executive the day before and now they are telling me they have no record of that, I reminded them that these calls are recorded and If there is no record of that conversation that means they ( Wells Fargo ) lied when they said they were sending me to an executive that could help me. If you cant tell me WHY I was denied the credit card and go through such lengths to lie the only reason I can figure out as to why I was denied is because I am XXXX. I also confronted them with other poignant questions and I informed them that Im an XXXX XXXX and that also seemed to make them treat me even worse.

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 2019-05-29
Company: EQUIFAX, 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:
On XX/XX/2019, through the website XXXX XXXX I found out that an " On Site Manager '' did a credit inquiry of me through Equifax. I had not authorized any credit inquiries this year, so I immediately contacted Equifax. On or about XX/XX/2019, I called Equifax and told the representative about it. I asked him to remove this inquiry since it's XXXX and unauthorized, but the representative said he can't help me with that. 

I asked for a free copy of my credit report from Equifax. On XX/XX/2019. my credit report arrived and I found out it was XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXX ) that had pulled my credit report. This is unauthorized and I had never heard of this company before. If you look at their XXXX profile, you will find that I'm not the only victim : XXXX XXXX XXXX I called XXXX and nobody answered the phone. 

I ask for your help to demand Equifax to remove this credit inquiry from my report, and also look into this XXXX company. This link has more info about this company : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2018, I received notification that a collection item had been reported on my credit report through Experian. I followed up with Experian and was informed that a collection action was reported on to my credit file with Experian. I filed a dispute and obtained information regarding the collection items such as the creditor ( XXXX XXXX ),  the account number, and contact number. After filing the dispute, I proceeded to contact XXXX XXXX. After speaking with them, I was informed that they reported a collection action for a person who shares the same name as i do ( XXXX XXXX XXXX ) and the same numerical address ( XXXX ). We both live in the same city as well. We do not share the same birthday, phone numbers, emails , street name address, or SSN. After receiving this information from XXXX, I contact Experian again to inform them of the mix up. They said it would take 30 day to resolve any dispute. I informed them that this was a mistake that they are responsible for and it has caused my credit score to drop from an XXXX to a XXXX. They said they could not do anything about it and that all they could do was file the dispute, even after i informed them that all XXXX was trying to do was to report the collection account to the other person and Experian made the mistake of adding it to my credit file. I asked if they could expedite the dispute as it was their mistake and they said no. This is the second time a mix up like this has happen and my credit score suffers. This is unacceptable on their part.

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 2018-11-15
Company: The CBE Group, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call on my cell from a phony debt collector about a XXXX XXXX account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was XXXX XXXX which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by XXXX XXXX that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NJ
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/2021, I received a notification through XXXX XXXX ( I use them for credit monitoring ) that there was a new hard inquiry on my Equifax credit report under " XXXX/XXXX  '' dated XX/XX/2021, however I made no such inquiry. I'm not sure if this information is applicable or useful, but I would like to mention that shortly before ( less than an hour earlier ) I received the notification on the new inquiry, I made a purchase in person at a XXXX XXXX location. I have the receipt for my purchase available if this information is deemed relevant to the investigation. I ran additional reports with both XXXX  and XXXX, however this inquiry did not show up, and still does not appear on XXXX  as of XX/XX/2021. I immediately reached out to customer service at XXXX who stated that there was no such inquiry on file in their system under either my full name or SSN. With this information, I filed a dispute with Equifax directly on XX/XX/2021 only to receive information on XX/XX/2021 that the inquiry was factual and would remain on my report. I called XXXX customer service again ( I spoke with agent XXXX in the Fraud Department at XXXX on XX/XX/2021 ) to immediately verify that the inquiry was on file, and they again reported that no such inquiry existed. I also asked if any documentation could be provided stating that there was no such inquiry, but unfortunately they were unable to do so at this time. With that information, I contacted Equifax by phone around XXXX on XX/XX/2021, and representative XXXX verified that the dispute was processed as factual for the inquiry named XXXX/XXXX  dated XX/XX/2021. She directed me to file a report with the FTC for potential fraud to work towards a resolution. I appreciate all of the help both respective teams have provided thus far, and hopefully my account of the situation can move things in the proper direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Flagstar Bank, N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
We are under contract to sell our boat, which is financed by Flagstar Bank. We need a 10 day pay off figure. We called. Waited nearly 20 minutes, were told they do not give pay off amounts over the phone. WHY? They mail them. It will take 5-7 business days.

We just want to pay off our loan. Our payment history is impeccable. What if our buyer backs out because he doesnt want to wait? Why cant they tell us what we owe them? 
I call 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 2017-11-14
Company: EQUIFAX, INC.
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:
I disputed some accounts with Equifax in XXXX 2017. I received the investigation results dated XXXX XXXX 2017 yesterday and all of the disputed items were deleted. Some of the disputed items were no longer showing on my report as they had been previously removed.However when I checked my credit file this morning all of the disputed items that were deleted or removed were reinserted back onto my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Landlord at Apartment complex didn't like me so false move out charge were put on my record i filed a complaint with HUD and judgment was in my favor to have charges removed I have been contacting XXXX, XXXX, XXXX  and the Company IQ Data whom all have received correspondence from HUD and the Attorney for the property regarding this bad DEBT that is Hurting my CREDIT Items have not been removed and its been almost 2 years that i have been trying to get these negative amounts removed. I am not responsible for these false charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: SUNTRUST BANKS, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
SunTrust Bank closed my account for no reason and gave no reason in their letter I received regarding the closing of my account. In the letter it says that it is going to be 15 business days before the funds are returned to me. Its been well after 15 days and so I called them and now they said it is going to be the end of XX/XX/XXXX! This is nuts!!! 
There was XXXX dollars in my account when they closed it. This bank is a fraud!

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 2019-05-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Chase United Explorer mileage plus credit card with the promotion of XXXX mile points and XXXX off my plane ticket I purchased. I did this on XX/XX/2019. I received my statement for the amount of the original purchase price of the ticket. No discount at all. I called them several times to try and fix the problem. I was told the offer of XXXX mile points and XXXX more is what I received. That is not was the advertised promotion was when I applied for the card. I told her that's what I wanted. She then tells me that's a downgrade offer and she can't do that. What they gave me was a better offer. It's better for them if I spend XXXX dollars on a credit card. I absolutely feel this is fraud on their part. False advertising!! I cancelled the card. I still think they owe me the XXXX off that was advertised when I signed up for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call on my cell from a phony debt collector about a wells fargo account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was Wells Fargo which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by Wells Fargo that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.

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 2018-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the transunion inquiry error/glitch that happened but they want remove the inquires on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
They are no longer connecting with the XXXX account so when my tenants pay rent I can not access the funds to be moved to my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I realized that I was induced into a fraudulent agreement on my auto loan with USAA bank and XXXX XXXX XXXX ( XXXX XXXX XXXX ) The companies failed to disclose to me key contractual information, namely that they never, gave me money/legal tender at any point. They also failed to disclose to me that my signature fully monetized the note, which they were paid the XXXX dollars they claim I owe them, then they induced me into making payments on a fraudulent agreement, which I got nothing of value in return. USAA misrepresented the banks ability to lend me money. They worked hand in hand wit h the car dealership know as XXXX XXXX XXXX aka XXXX XXXX  XXXX. I want the title to my property being a XXXX  XXXX XXXX, and all payments, and late payments made under UCC 2-720 and UCC 2-721. Additionally I never autherized USAA or XXXX XXXX  XXXX to use my business name XXXX XXXX, I'm the only authorized user of the name XXXX XXXX. Please notify XXXX XXXX of USAA and XXXX XXXX  XXXX of XXXX XXXX triplex to return my property, and pay me my money back today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Over the summer I was 90 days behind with Barclay Card.  I paid the full minimum due to bring the account current. A month later I decided to enroll in a third party non-profit debt counseling program. I was rejected. It took my a dozen phone calls to find out why I was rejected. I was then told there were no financial assistance options available to me. SEVERAL agents told me I had to go delinquent again in order to have any offers. 

This is an unfair business practice to disadvantage the average consumer. How dare you tell a client to not pay you for a while and then I'll give you an offer. 

I am now 90 days late and have been offered a 75 % off. I told them I would only take that offer if they would put in writing they would remove the late payments as I was told to go delinquent. They will not work with me. I left a voicemail for the Barclay 's Card office of the President at XXXX because no one answered the phone when I called. 

I spoke to the general customer service line and I was told the offers are computer generated. The system analytics take in to account when the account was opened, how long it was open, the balance, usage, etc. Isn't that interesting? Other companies will take offers and will remove late payments on the credit reports. As a reminder of the Fair Credit Reporting Act ( FCRA ) the creditors create and control the data and push it to the credit bureaus -- -the CRAs just hold the data and do as you say, when permissible, under the FCRA as applicable. 

Note I do have telephone audio recordings available, though I have not removed PII from the recordings. However, data is cheap I'm sure you have all my 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 monetary relief