BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: SYNCHRONY FINANCIAL
State: ID
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:
A few years ago, I co-signed on a credit application with my daughter because her credit was terrible & she badly needed new tires. She has XXXX young children & needs her car to be in safe driving order. 
In approx. XX/XX/XXXX, XXXX XXXX / XXXX CAR CARE began reporting a credit card account with it to the 3 credit bureaus as having a late payment status in the amount of {$20.00}. Prior to that, in approx. XX/XX/XXXX, my daughter called the phone # on the credit card issued by Synchrony/XXXX & asked for the pay-off balance due. She gave the customer service rep her checking acct routing & account # with her bank & paid the pay-off amount in full over the phone during that conversation. 
My husband died last year, my mother has profound XXXX XXXX, & during the period in question I was not checking my credit score because I was involved with other more urgent personal issues & my credit score was not an issue with me. 
Eventually, I discovered that my score had gone down significantly. The only negative entry is from Synchrony/XXXX. My daughter called again & complained, two different times, but apparently they did not relent or admit that this is their error. If they did agree that they were in the wrong, they continue to report a late payment on my credit report. It grows at $ XXXX/month so has gone from {$20.00} to {$30.00}. 
We do not want to pay the {$30.00} that has since developed from the original {$20.00}, because this amounts to highway robbery! The company ought to have known the full pay-off amount when my daughter requested & paid it, there should not have been any straggler amount for the loan period or whatever their excuse is. I assume millions or hundreds of thousands of borrowers get trapped in the same inexcusable scenario. If we did pay it off, then the credit bureaus would take that as an admission that we were in the wrong & did indeed pay late, which is also unacceptable. 
I also do not understand why the 3 credit bureaus take a {$20.00} allegation & inflate it & treat it as though it were equivalent to an allegation that I had not paid {$20000.00} on time. 
I finally found time recently to dispute this matter with all 3 credit bureaus. I happened to learn recently that CFPB also handles this kind of issue, possibly more promptly & effectively. ( I LOVE CFPB and XXXX XXXX for pushing to get it started. ) So, please advise whether you can assist me!! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was sending {$4000.00} to my newly opened bank account at Bank Of America from my other account from XXXX XXXX so I can cut a check to the mortgage company for my down payment. XXXX XXXX does not have checks and Bank of America only allows a maximum of {$1000.00} per transfer. I did 4 separate transfers so I can meet the {$4000.00} needed for my Bank of America XXXX BOA ) Account. 

The transfers were suppose to take 3 days to post to my Bank of America Account. After 3 days I checked my BOA account on XX/XX/21 and it would not let me log in. I contacted BOA and they said your account has been closed and to call back in 24 hours. They said they are investigating it and could take up to 3 months to refund the money. They told me I should call back in 24 hours. 

On XX/XX/21 I went to A branch for further information and the local bank said that they couldn't see the reasoning of why the account was closed because it is private on their end and told me to call risk management. 

Later on XX/XX/21 I called the BOA department of risk management She said the account was not closed unlike the previous person I have spoken to at the bank. She said the account will be closed because it was a BOA business decision ( no further explanation from them ). She said I will not get my money back until the account is closed and investigation is completed. It will take 10 to 15 days after the investigation to send out the money and had no conclusion on when the investigation will be done. They stole my money and are making money off of it for their business when I need my funds for my house. They are hanging onto the money while I struggle to make ends meet. They are putting my ability to purchase a house on the line and are doing part slowly at their pace. I did nothing wrong.

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 2017-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I applied for the application for withdrawal of file form XXXX, Notice of Federal tax lien ( form XXXX ). I was approved on XX/XX/1016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release forms ( which I will also attach here for you ). I have also verified that the county lien withdrawals have been recorded. Equifax continues to improperly report the liens and refuses to recognize the withdrawal. The other CRAs ( Experian and XXXX ) removed the liens from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: DE
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:
There is incorrect information reporting 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 non-monetary relief
Consumer complaint received 2019-09-09
Company: BARCLAYS BANK DELAWARE
State: FL
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:
On XXXX i made a ph pmt of {$1000.00} to XXXX from my checking. 

The pmt somehow was applied to the incorrect account ending XXXX by the Barclays. 

I made the pamt correctly their system mis-applied my pmt.

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 2021-07-14
Company: EQUIFAX, INC.
State: CA
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
US Bank claims is refusing to provide evidence that the credit card debt is valid, I have requested, numerous times, proof that I authorized this account. They are ignoring my requests, including the most recent one, attached, which was sent by certified mail. 
If US Bank can not provide proof of authorization for this account, then one can speculate that US Bank can not provide proof of authorization for other accounts. 
There is a history of banks opening cards, XXXX, without consumer authorization. This is a serious concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: LEXISNEXIS
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 been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Mr. Cooper Group Inc.
State: CO
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:
Attention : Consumer Financial Protection Bureau File number : XXXX XXXX XXXX-XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Colorado XXXX DOB XX/XX/XXXX Company Disputing : Seterus, Mr. Cooper Disputing to remove Late Charges for the Months mentioned below. 
Phone : XXXX Email : XXXX This dispute is regarding my ex-mortgage holder, Seterus ; that claimed late payments on my report for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted the company that purchased Seterus in XX/XX/XXXX, Mr. Cooper. In XX/XX/XXXX I requested that these claims be removed from my credit report, they responded with a letter XX/XX/XXXX claiming that they are required to report payment history accurately and altering credit information would be reporting inaccurately to the credit reporting agencies. 
Document 1 Letter from Mr. Cooper Document 2 Proof of Monthly  payment for XX/XX/XXXX, from bank statement. 
Document 3- Proof of payments for XX/XX/XXXX and XX/XX/XXXX from bank statement. 

I provided these same documents to Mr. Cooper and I still received no assistance. 
I would like CFPB to assist me with the continuation of this dispute, and assist me in gaining some consideration from Mr. Cooper, who has clearly stated that they didnt acquire Seterus at the time that these late charges were filed with the credit agencies, so they do not feel responsible. My position is that Seterus no longer exist, nor do they have a customer service department that continues to help its previous customers before the acquisitioning by Mr. Cooper. 

Furthermore, I have filed disputes with the three credit reporting agencys ( XXXX, XXXX, XXXX ) and I have had no success even though I provided the same documentations, they are contacting the same company which has already responded in a letter of their lack of interest due to they had not acquired Seterus at the time that these late payments were filed, so they feel they are not responsible. 

I am requesting that the late months in question be removed from my credit report and shown as paid on time, for I have provided the documentation to substantiate this decision. I currently can not apply for a mortgage loan because of this incorrectly reported information, your expedience would be greatly appreciated. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account # XXXX was frozen by Citibank in XX/XX/2018. Citibank has NOT mailed the ( last ) XX/XX/2018 statement to my address on record. Why???

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 2018-02-23
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
PNC Bank Check for the amount of {$670.00} presented on XX/XX/XXXX and insufficient funds fee {$36.00} on XX/XX/XXXX. 

First Issue : Check cashed the same day at another bank. PNC sped up the process to charge the customer overdraft fee. This was a traditional check presented to XXXX XXXX. The normal process takes one day via this transaction route from one bank to another bank. This check was not presented via a teller nor was this via a mobile banking resources. 

Second Issue : I receive my payroll direct deposit on XX/XX/XXXX and is visible in my account at XXXX XXXX on XX/XX/XXXX and available balance and ledger balance reflect the deposit but hours later PNC on XX/XX/XXXX will subtract/adjust the available and ledger balance by deducting a overdraft fee even though they recognized the deposit and acknowledged its existence in my account the day before.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Recently, I had 2 XXXX credit card accounts closed instantly ( both accounts were in excellent standing ) because of a credit report. An item was posted on my report based on an on-going dispute with another bank. XXXX decided based on just Experian, not all credit reports, to close all my XXXX accounts. I have had credit cards with XXXX for more than 10 years. Does anyone know if this breaks Fair Credit Reporting Act laws or privacy laws? 

I was not opening another account at XXXX and none of the data on the credit report was offered to the bank. 

The circumstances are that I have a dispute with another bank that has been ongoing for a year. XXXX then decided to take the charge off record on my credit report that was the other bank 's response to our ongoing dispute and apply that to my banking accounts with XXXX. 

This shows that even if a dispute is ongoing and the one bank has nothing to do with the other they will take ONE CREDIT REPORT ( Experian ) and based their decision about my active accounts at another bank on that. NOT my banking behavior with XXXX. My banking actions with XXXX are nearly spotless and have been for 10+ years. 

This seems to violate the The Fair Credit Reporting Act ( FCRA ) and may be the jurisdiction of Bureau of Consumer Protection.

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 2018-06-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage a few years ago due to legal issues surrounding my XXXX XXXX. I immediately began trying to work things out with my mortgage lender Wells Fargo but was met with resistance, indifference and obstruction and could not get them to review my financial information. As I fell further behind I was able to get some help from relatives and offered to bring the loan current with a large lump sum payment. However, Wells Fargo would not accept the offer because it did not include the thousands of dollars they had added in inspection, late, legal and junk fees. As a result I fell further behind and am now facing foreclosure. I have rebuilt my practice and also started a XXXX XXXX XXXX as well and make a solid living. However, Wells continues to push towards foreclosure instead of offering any reasonable alternatives for me to resolve this matter. I am looking for some help to get my file taken seriously and an accurate review conducted of my current finances by Wells Fargo. 

I have worked as a XXXX XXXX for the last 22 years, and we bought our home here in XXXX 17 years ago. I refinanced in XXXX through Wells Fargo in order to use some of the equity to invest into my business. I live in the home with my wife and XXXX daughters. In XXXX I had some legal issues and my practice suffered. I ultimately lost about XXXX XXXX of my clientele and at that time I defaulted on my mortgage. As stated, I immediately contacted Wells Fargo to try and work things out and get approved for a modification but the process was cumbersome and difficult and I could never get any traction. I was able to get some family members to agree to help me make a large lump sum payment to get caught back up on the loan but their agents refused to accept this offer because it did not include every dollar, quarter and penny of the late fees and legal fees that had been piled on my balance! I eventually hired an Attorney to assist but due to a missed court date my side of the story was never presented and I am now in foreclosure. 

As explained, I have rebuilt my practice and earn a solid living. I also started a XXXX XXXX XXXX and am making some money from this venture as well. I was recently offered a streamline modification with a monthly payment of {$5100.00} -- although I appreciate the fact that an offer was put on the table this proposed monthly payment is well over 50 % of my monthly income and not affordable. I know that there are other programs available that I would qualify for based on my current and correct financial information. I would like to see my case escalated and a full review of my current finances conducted.

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 2019-09-09
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-08-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life. 
I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.

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 2018-06-14
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical co-payment that was paid from 2012.

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 2020-11-21
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, My name is XXXX XXXX and I am a victim of identity theft. My Identity was originally stolen in the year XXXX. I was sent a certified letter today XX/XX/XXXX, for garnishment of wages. The original account company apparently is Citibank/Home depot. I have never had an account with this company in question. I am also XXXX and I have been receiving benefits since XXXX. This is a fraudulent account and was opened without my knowledge nor consent.

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 2018-02-02
Company: Experian Information Solutions Inc.
State: WA
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 do hope your company can help me. I'm pretty new to this credit thing but I had researched several sites and watched several videos about things reporting on credit. I noticed that there are several accounts that are very old that I was under the impression they were suppose to be removed now because they are past the statue of limitations. I did dispute directly with the bureaus and several are still listed it just doesn't appear that they are doing what they are suppose to do so I thought I would ask for your assistance with the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX these are all showing past the statue so I don't understand why they would still be listed. Can you 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 explanation