BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
In late XXXX of XXXX I elected to purchase a trip to XXXX in XX/XX/XXXX offered by XXXX XXXX ( XXXX, XXXX ) and I paid {$1200.00} on my mastercard from Bank of America. I was not able to take vacation in XXXX because of mistakes made on invitation letters ( twice!! ) required for visa and visa didn't arrive in time to get on plane. When I contacted XXXX to tell them of horrible experience they didn't respond so I waited a month and filed a dispute with Bank of America over charge. Upon realizing I was disputing charge XXXX contacted me in XXXX to apologize for their actions and I inquired about getting my money back. They begged me to try them again and offered voucher for any vacation taken within 18 months but only if I agreed to cancel my dispute through credit card. In good faith I said yes and in late XXXX I contacted Bank of America to say merchant has offered to resolve dispute.I saw on my XXXX statement that charge was taken off but 2 weeks later it was put back on ( enclosed ). One year later I decided to take a trip since Covid was slowly not an issue only to learn XXXX would not honor the voucher. They told me I had won my dispute so they didn't owe me anything and I told them that wasn't the case because I paid balance in XXXX of XXXX and sent my statements. I called Bank of America who said they did pay XXXX but I asked for an escalation, Bank Of america put $ back on my card and I hoped that was end of it, but 3 months later they charged me back on XX/XX/XXXX statement and couldn't provide any written proof of it by email or regular mail. The escalation said they forced payment through third party XXXX  in late XXXX. XXXX and it was finally accepted on XX/XX/XXXX. It is now a year later and XXXX will not accept this finding and is calling it an internal bank error by bank of america. I have spent over 20 hours on this matter and only way to resolve this is if bank of America can show XXXX the findings of audit as XXXX has refused to call back office of B of A. Please help end the madness as I deserve this money and shouldn't have been subjected to this.

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 2018-05-17
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with XXXX Bank / Care Credit. It's a credit card used solely for medical and dental finance. I've had my account since XX/XX/XXXX. I make payments of {$45.00} each month. All payments have been made on time as of XX/XX/XXXX. In XX/XX/XXXX I made payment of {$45.00} by phone using their automated payment system. Payment due date is XXXX of the month. The week of XX/XX/XXXX XXXX I started receiving collection calls. The bank claims I was late and would be charged a {$40.00} late fee. I spoke with an offshore customer service person who gave me the reason for the collection calls. I told her how can you assess a late fee when I paid well before the due date. She said it's their policy. This has to be bank fraud as I was not late. I will include a screen shot of my bank record. The bank has increased my balance which should not be allowed. I did research on XXXX. This company also know as GE Capital has a history of abuse to its account holders. They should be censured by the federal government.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 received 2 letters dated XXXX XXXX stating that my credit card applications have been denied but I didn't apply for any. I looked at my credit report and there is also a 3rd card application on XX/XX/XXXX that I haven't received a letter about yet. All inquiries are from 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
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TransUnion is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same name as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. They have 30 days to prove their claim to me or they must remove from my credit report. Its well past 30 days as i started contacting them in XX/XX/XXXX. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends, and there is also another XXXX XXXX at my employer. 

I've contacted XXXX via certified mail on XX/XX/XXXX again on XX/XX/XXXX and a third time this year on XX/XX/XXXX Each time I contacted them, they say they verified as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 

I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collecting from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Transunion and XXXX, 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
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: REGIONS FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have contacted Regions Bank,  XXXX ,  XXXX   XXXX    XXXX   about fraudulent information contained in my consumer file with  XXXX . Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Name :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XXXX / XXXX /  XXXX   Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AL  XXXX  Reported Name  XXXX   XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX  GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF  XXXX  Amount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.

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 2023-08-07
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2018-12-17
Company: WELLS FARGO & COMPANY
State: IL
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 engaged a dispute regarding a purchase on my Wells Fargo card in XX/XX/XXXX ;  the charge goes back to XX/XX/XXXX. After months of back and forth, WF 'resolved the dispute in my favor ' ( see attached email ). Yet, I can not get them to remove the charge from my credit card, despite numerous requests, and despite notifying them that eventually I would need to file a CFPB complaint. The charge is still listed today ( XX/XX/XXXX ), and they are attempting to force me to pay the amount by XX/XX/2019 ( see accompanying statement ).

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 2019-11-26
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are inaccurate. 
MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also see that on my report there are several incorrect spellings on my name and i'd like to remove any variations that do not read as 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
Consumer complaint received 2018-02-03
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we closed on a new construction XXXX XXXX house. Our original loan was through XXXX XXXX, which is a part of XXXX XXXX. Our loan was sold to RoundPoint Mortgage shortly after closing on our house. 

On XX/XX/XXXX, an escrow analysis was performed. We received the escrow analysis statement letter on XX/XX/XXXX. Upon opening the letter, I noticed that our mortgage payment was going up 134 % from {$1500.00} to {$2000.00} due to a shortage that was calculated from an incorrect entry of the estimated taxes. 

The taxes on the property will be approximately 1 % that is paid out in two annual payments. This information was clearly provided by the original mortgager in the closing paperwork but was incorrectly entered into RoundPoint systems. 

On XX/XX/XXXX, upon receiving the escrow analysis statement, I immediately called into the support number at RoundPoint Mortgage. The person I spoke with said that they would schedule a new analysis. I was told the analysis would be completed XX/XX/XXXX. 

I have since called in several times to get an update on this new escrow analysis, but there has been no update. I called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - there are no updates. On one of the calls, I was asked by the person I spoke with if I had a tax statement that I could send them showing the taxes on the house - to which I responded, this is a new construction home and has not been assessed yet. 

RoundPoint should know that this is a new construction house and has not been assessed yet. They should further know that making changes to the escrow in this fashion given the details of the mortgage is irresponsible. Given that it is more 30 days since I originally contacted RoundPoint in regards to this error, they are now being negligent in this issue and I will be reporting this to the Consumer Financial Protection Bureau. 

Additionally, because RoundPoint does not accept any payments less than what they deem to be the full amount, I am unable to make my normal mortgage payments until this gets resolved as I don't have $ 500+  that they have increased my payment to. I am concerned that this will not be resolved during the grace period to make my monthly payment. 

I was also told by the people I spoke with that there is no way to directly contact the part of the organization that does the analysis. They additionally told me that they don't have direct connection to this part either, all they can do is email them. How is this an acceptable practice that there's no direct contact with the part of the organization that performs the analysis and the homeowner is subject to whatever is decided and has no active way to resolve the issue - which I am attempting to do.

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 2022-08-14
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX, I had payments on the first XXXX loan sequenced start and was not contacted by phone, email, or mail to confirm that they started. For 10 months, they were reported as delinquent but I started paying the {$190.00} XX/XX/XXXX. 

As you know, the CARES Act put all Federal Student loans in Forbearance. Fed Loan Servicing had put all my current and DELINQUENT loans into the forbearance. I have made pyments of {$190.00} throughout the forbearance period because the service provider told me and my legal representative that all my payments will go to principle on a recorded line. My interest has been capitalized even though the cares act pushes back capitalization of student loans to XXXX. 

My principal balances are way higher than they would be if I did not pay the {$190.00} towards the account. Because of this incident I was unable to get mortgage approvals and take advantage of the low interest rates that XXXX brought. I was seriously impacted by this situation and have been trying for over a year to figure out what is going on. The interest I was legally able to write off on my tax return was only {$800.00} so where did the rest of my payments go? 

Fed Loan Servicing does NOT service my loans anymore. As soon as the payments were scheduled to start, XXXX XXXX took over and started calling me to confirm balances? They said they have no information but I have made a payment to FedLoan Ssrvicing that went to nothing. They illegally pulled {$190.00} out of my account and credited no balance. I put my XX/XX/XXXX payment to XXXX but the prior payment to FedLoan Servicing went to nothing just like the past +22 payments made to them. 

I have been going around and around in circles with this. Every time I call FedLoan Servicing, they lie, give wrong balances, tell me my original loan was {$25000.00} when that was never the balance with thw interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have a Capital One Platinum Mastercard Secured Credit Card ending in XXXX under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. I closed the account back in XXXX, 2018 and asked for the secured deposit to be returned. They said it would be a 14 day wait. I have called numerous times since then and am always told they will open up a ticket and I must wait 14 days more. The day before yesterday I was told on a recorded line that I would get back my {$200.00}. This is considered an oral contract. The next day when I called the new agent said they can not find the funds and refuse to send the signed receipts of charges against the account and said I needed to wait for another investigation to see whether I would even receive a refund.d This is considered a breach of contract. How could I have a secured credit card without funds behind it? I was on the phone yesterday for over 1 plus hours, transferred to four different departments and the last operator said she did not have a manager and could not transfer me to a person of authority. She said she would hand it over to yet a fifth department and I would have to wait and see. I have spent many hours on this project and have not received my own money back given in good faith. This run-around and getting different answers borders on illegal activity and certainly poor customer service and gives little accreditation to this institution and let the buyer beware before opening credit accounts with Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 understand that accurate and complete credit information is crucial, and I believe there are closed accounts on my credit report that should no longer be affecting my consumer credit score. According to the FCRA ( Fair Credit Reporting Act ), it is the responsibility of credit reporting agencies to provide fair and accurate credit reports to consumers. Section 15 U.S.C. 1681 ( A ) emphasizes the necessity of accurate information and states that consumers have the right to dispute any inaccuracies or fraudulent information they find in their consumer credit reports. 

I have reviewed my credit report and identified the following closed accounts that I believe should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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