BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America Mortgage loan # XXXX I had a payment deferral program about a year ago during the pandemia. I was granted 3 or 6 months of PAYMENT DEFERRAL, NOT A FORBEARANCE. They managed to mess up my loan to the point that they asked me to pay the month of XXXX, which I did not owe. I must have spoken to several persons and they ended up repotting " a missed payment '' that messed up y FICO. I had to file a complaint with you and deal directly with their Executive Offices. After much back and forth they finally corrected my XXXX  credit report and all other bureaus. I owe this to YOU and my persistence. But lo and behold< they blew it again. I have been paying my P & I payment on time ( always on the first day due ) and I paid XXXX and the website showed the payment applied correctly and that the next payment was due in XXXX. I made that payment on XX/XX/XXXX by means of my XXXX  CHEKING ACCOUNT but today they don't show the payment posted and they show next payment due date to XX/XX/XXXX. I sent them a email message and was told that to get better service to call the Home Retention Program which I did today ( XX/XX/XXXX ) and spoke to XXXX who transferred me to XXXX who promised to call me back with a solution but never did. Ladies and gentleman BofA functions like a fourth class bank, please help. I was in XXXX 35 years and am an XXXX. My FICO with BofA is XXXX. I can stand this mess anymore

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 2021-08-19
Company: EQUIFAX, INC.
State: MD
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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a notice of commencement of action against me today XX/XX/XXXX this is the first I have heard from them. The case is from XXXX XXXX XXXX XXXX XXXX and the firm name is Forster & Garbus , LLp apparently they bought the debt from XXXX back on XX/XX/XXXX and now they are trying to take me to court. Is their anything that you can do for me .The amount is for {$2300.00} and was dated XX/XX/XXXX and today is XX/XX/XXXX and I'm just receiving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account status incorrect

Complaint:
I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence. 

It was recently fixed on XXXX  due to the help of this service and I would like this removed from XXXX  and Equifax as well immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AL
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:
Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is an old debt from the year 2008 XXXX card I have no collections in credit report in the last years for a total of XXXX not due 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 2017-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I placed a call to Capital One customer service on XXXX/XXXX/XXXX to request a waiver of the annual " cardmember fee '', which had been charged to my account on XXXX/XXXX/XXXX. The representative explained to me that I could avoid the fee by converting my account from the " Quicksilver '' card to the " Quicksilver One '' card. I agreed to convert my account and the representative told me that I should be able to view my updated account information online within five business days.

I received and activated the new card about two days later ( Around XXXX/XXXX/XXXX ). My online account did not indicate that I had been given a credit for the cardmember fee when I checked on XXXX/XXXX/XXXX. 

I placed another call to Capital One customer service on XXXX/XXXX/XXXX to ask why I had not been credited for the cardmember fee. XXXX, the customer rep, explained that I was expected to pay the fee according to Capital One policy. At this point, I questioned the logic of having to pay a {$39.00} annual fee for a card that I had for a mere four days ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and was transferred to XXXX ( XXXX 's supervisor ). 

XXXX proceeded to tell me that there was nothing he, or anyone else at Capital one for that matter, could do to waive this invalid fee from my account. The only option he presented was for me to close my account, which he claimed would prevent me from incurring the fee. I asked to speak to his supervisor and was rebuffed. 

I can understand paying a prorated cardmember fee for the four days I had the card this year. I ca n't wrap my head around paying the entire fee. It seems very unfair and Capital One is completely unwilling to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Nelson Cruz & Associates LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX. calling for my son who has not lived at our house for 20 years. I have continued to tell agencies to take my # off list and I still get calls. they stated that if my son did not call back they would put a lien on property owned my another son and his wife. my # is a do not call # on the registry and has been for many years and these agencies keep passing a collection around and calling. We settled all claims over 20years ago but a hospital had not filed claim with insurance company properly for an accident in which a drunk driver crashed into our son. 
I have been hounded long enough and when someone threatens I can not stand silent. 
FGM

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. Act # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted XXXX on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, after simple bank was shut down by BBVA, I attempted to create a username and password to access my online banking. This process failed with a " system error '' message. 

Later that same day, the website informed me that the account creation was actually successful, and that I should attempt to login with username and password I created initially even though it ended with an error message. This process failed, and my account was locked and I was presented with an error message that I must call customer service to unlock my account. Since this was a weekend, there was no customer service available. 

On XX/XX/XXXX, I was informed that customer service would be available to assist with transition, with a phone number on the website of XXXX. Upon calling this number I was greeted with dead air. Over the next two hours, I attempted to call this number again, thinking it was a glitch. After my fourth attempt I reached a representative who did not respond to my questions acting as if they could not hear me, I was then hung up on.

This process repeated itself sixteen more times. Sometimes reaching dead air, sometimes reaching a representative who either claimed to not be able to hear me, or simply hanging up as soon as I spoke.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-09-16
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020, I received an alert from XXXX  that I.C. Systems Inc reported a XXXX account. They never sent me anything in writing to allow me to receive proof of debt owed or to dispute it.

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 2021-08-19
Company: EQUIFAX, 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 status incorrect

Complaint:
This company continues to report an account that was removed and has no way to upload the documents. so i can show proof that this account was in litigation and should be removed as per court order

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Harris and Harris Debt Collectors calls my non for profit organization ( XXXX XXXX XXXX XXXX XXXX XXXX ) on a daily basis. We have no long-term Accounts payable or Accounts receivable, and have no need of Harris and Harris ' services. I have call this company and complained several times, especially since my organization is closed and ceased all operations, except for basic maintenance of the building. It is practically the only voice message I get and I want it to stop!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After thinking about purchasing a home, I decided to check my credit report. I instantly noticed Inquiries on my credit that I never applied for. I sent in a dispute letter with FTC form and a copy of my personal documents such as bank statement, driver 's license, and Social security card to verify my identity. I sent these letters and documents to XXXX, XXXX, And TransUnion. Furthermore I called each company with the inquiries which stated to me to contact the Credit Bureaus to have them deleted. No one responded to my letters or deleted the Inquiries off my Credit report.

15 USC 1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of_ 15 USC 1681d ( 4 ) A consumer reporting agency shall not prepare or furnish an investigation consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: MN
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:
The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
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: Account status incorrect

Complaint:
In XXXX XXXX sold my home paid off mortgage and arrearages. We were in Bankruptcy Chapter XXXX and court granted us permission so sell home. In XXXX i notified credit bureau of the inaccuracy and they removed it because XXXX either agreed or did not respond. Today XXXX/XXXX/XXXX i received a email stating XXXX reported that we are 120 days delinquent and account closed. This supposedly was report on XXXX XXXX, XXXX the date our account was paid in full. Because of this we are being denied credit and this has truly ruined myself and my wife the opportunity to move forward. i am submitting proof for your review. Chapter XXXX was discharged on XXXX XXXX, XXXX by the court.

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 2023-05-18
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: Information belongs to someone else

Complaint:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
In XX/XX/2021 my Coinbase account was locked by my request after I received some phishing texts claiming to be from XXXX XXXX. When I made attempts to contact customer service to verify my funds were safe and reopen my account on XX/XX/2021 I received auto responses from Coinbase stating my case would be reviewed in 4-5 days. Since then I have received no cooperation or help from Coinbase. Their email I was referred to by the automatic response XXXX does not seem to be a working email for customer service. There seems to be no possible way to contact anyone directly at Coinbase for assistance and this was found to be a wide spread problem. They now have custody of over {$3000.00} worth of crypto currency and have locked me out without any type of resolution. They have also made it impossible for me to open the app from my XXXX. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
Amex : 1. erroneously took away my sign-up XXXX Membership Reward points when I had to rebook a flight XX/XX/XXXX ( new flight was charged to the very same card XX/XX/XXXX to replace my cancelled flight ) and 2. fail to reinstate them as of XX/XX/XXXX even after unhelpful three online Customer Service chat sessions ( last session XX/XX/XXXX ) plus one Customer Service call .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
For our loan, we set a date of XX/XX/XXXX. Our selected lendor ( PNC Bank ) stated, " it will be tight, but we can do it. '' The process proceeded normally, and we were thinking that we were all set to close. My husband made travel arrangements so that he would be there for the closing. My husband was very diligent in asking if there was any information lacking 2 weeks prior to closing. Nothing was stated. On XX/XX/XXXX, my husband again sent an email asking if there was anything else that was needed for the closing. The processor sent back an email stating that he was in the file, and he would let us know. 
We heard nothing back. You can imagine our surprise when late in the afternoon on Friday, XX/XX/XXXX,  our loan officer calls us to let us know that we can not close on XX/XX/XXXX. We were in complete shock. Now, our whole weekend was upset because we had to make different arrangements. My husband would not be available to be at the closing, now pushed back to XX/XX/XXXX. We would need to get a power of attorney. The utilities and other companies would have to be called to move the date back. We were buying a farm, and animals and such would have to make different arrangements for. It was a complete mess. The officer and processor wanted to put the blame on the underwriter, however, they should have been calling and pushing to get the clear to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: IL
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:
I'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST ME ''.

Company response to consumer: Closed with explanation