BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I requested a balance transfer due to a 0 % APR offer from my BBVA credit card to pay off my XXXX XXXX credit card for {$890.00} which posted to my BBVA credit card on XX/XX/XXXX. A few weeks later, I noticed XXXX  XXXX had not been paid and contacted BBVA. They told me to allow up to 30 days ( absurd ) for XXXX XXXX to receive the funds. I waited 2 more weeks and contacted BBVA again to let them know XXXX XXXX was still not paid off. They opened a ticket to do research and found that the balance transfer was sent to XXXX. I DO NOT have a XXXX  account! After another month went by they said once they contacted and received the funds back from XXXX, they would credit my card. I have contacted BBVA several times in the last 4-5 months that this has been going on, on numerous occasions and I keep explaining every time and am getting the runaround. Today alone XX/XX/XXXX, I have contacted them 6 times and spoken to 5 people, twice got disconnected, so would have been 7. I have been paying on 2 credit cards, XXXX XXXX with interest for 5 months for no reason. I should only be paying BBVA. Now theyre telling me to contact XXXX  which I did like an XXXX knowing they couldnt help me because I dont have an account with them. One of 2 things needs to happen as Ive explained to BBVA today, one, my BBVA credit card needs to be credited or two the transfer needs to be sent to XXXX XXXX like what was supposed to happen in the first place. Oh, and by the way, I have had a few ticket # s which they always seem to close. They closed one today and opened another upon my request. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, Equifax ). 
XXXX XXXX XXXX failed to report Payment Status for XX/XX/2019 - XX/XX/2019. 
This should be reported or showing as paid on time. 
I want to know why they failed to report this to the Credit Bureaus? 
I have proof of all my payments and not limited to just dates of payments. 
With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. 
( RE : Equifax ) Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When going to make a payment ... once again we are asked to update my email address and it will not accept it. I have linked accounts several times now over the last 10 months and it is getting tiresome when needing to pay account and forced to call them and pay that way. I have had this email the entire time I have had this Citibank Home Depot account. I have EXCELLENT payment history and this hindered multiple payments in a 30 day cycle. It truly feels like they are purposely making it harder to pay down promotional balances and avoid finance defered charges. I won a previous complaint when they improperly applied payments during a lockout situation last XXXX. I am having the exact issue again now with lock out from my on-line access. I have screen shot showing issue once again prohibiting me from access.

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 2020-12-22
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a solicitation from american express to upgrade my everyday card to a preferred one about a year ago. On XX/XX/20, the annual fee hit my account. I happened to applied for and have my platinum card now, and I was thinking the preferred one is no longer my focus to me. Since the annual fee hit my account, this gave me the understanding that I have kept my preferred card for a full year and seems a good time to downgrade my preferred card to an no annual fee one. 

However I noticed that my account got deducted XXXX points. I reached out online team and called the membership rewards team. They said, I didn't keep the upgraded preferred card for a full year so that deducted this. They said it was suspected there is a violation of the rules? 

I hereby make it clear that I never attempted to game the system. It just happened that I no longer need the preferred card since I already have the platinum card. However, amex still refused to add back my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 it was brought to my attention that there was some fraudulent changes that were made on my account with Bank of America. I received a text alert that stated there were some recent charges and on my account that they wanted me to verify. I let Bank of America know that some of the charges were not made by me and they went ahead and cancelled the use of my card and went ahead and sent me a new one. The fraudulent charges included {$200.00} to XXXX and two {$150.00} charges to XXXX. I was under the assumption that, since I had reported the charges, the funds that were taken from my account would be returned. That was not the case. I waited a few days to see if the funds would be returned and they never were. Bank of America went ahead and removed the charges from my account, so they no longer appear on my account. However the funds were nowhere to be seen. Instead my account balance was adjust to be {$500.00} less than when the funds were taken, as to make it seem like my account balance was {$500.00} less to begin with. I called to see why the funds were not returned and the representative told me since the charges were not on my account that they were never charged, which is not the case. I was pretty much told that I would need to call the companies that charged those funds in order to get my money back as they have no way of showing I was ever charged.

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquires I've sent on XX/XX/21 have been affecting my credit profile, and costing me thousands of dollars in interest that I cant get back, and also have been costing me job opportunities. It's been embarrassing for me and my family. It's already stressful during these times of covid, and I dont think I should be penalized for it. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, and to my knowledge, I do not recall giving consent or written agreement for any of these inquiries. According to 15 US 1681 ( n ), and 1681 ( o ) this a direct violation of the law, and the fair credit reporting act. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 2020-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I thought I was starting a new job .. so I started my first week. & I given a check to deposit in my bank.. XXXX $ and it was available XX/XX/XXXX. After I went to XXXX to purchase two XXXX $ XXXX gift cards. Not the XXXX cards.. I was told by my boss XXXX XXXX to send the gift to another employee.. I never met this person before. We only been contacting through via email.. later that day around XXXX I get a notification from my bank saying it was charge back.. meaning the check was never clear.. now i have negative XXXX in my account. Im hoping XXXX can block the cards and give me any remaining funds back.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-22
Company: Phillips & Cohen Associates, Ltd.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement as the account was frauduelantly opened. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express has been attempting to contact my father-in-law regarding the debt I previously incurred at his home and cell telephone numbers. They have made three attempts over the previous two days, on XX/XX/20 and XX/XX/20. Not only is this a breach of the Fair Debt Collection Practices Act ( FDCPA ) as they called him more than once in an attempt to locate me given that you already had working contact details for myself, but they also are in breach of the Telephone Consumer Protection Act ( TCPA ) for using a robocaller in order to attempt to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: UNITED COMMUNITY BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
United community bank allows my wife without my permission to pay a debt ( which they hold ) They will not allow my wife to withdraw money from the same account because they say its illegal for them to do that When she lays the loan they told her the wrong amount And proceed to charge me {$20.00} late fee every time the transaction is made It is a very sneaky tactic and the very least I want is the late fees to be removed

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 2022-11-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
privacy and confidentiality under 15 USC 1681. 

Account name : # ending in XXXX ( XXXX XXXX ), Account name : # ending in XXXX ( XXXX ), Account name : # ending in XXXX ( XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
as previously notified, I am a victim of identity theft

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 2020-05-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. Per the credit bureau, this company reported addresses and phone numbers that are different from my actuals. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: WI
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:
on XXXX. 
thi credit bureau refused to remove a fraudulant account on my credit report XXXX XXXX  XXXX I have attached a copy of police 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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed an error on my credit report with Transunion three times, and have twice received a response that the information is correct. I signed and canceled a contract with XXXX XXXX ( alarm company ) in XX/XX/XXXX. However, this account was reported as a account that was opened in XX/XX/XXXX in collections. Transunion obviously did not investigate. I do not know anything about this collection agency and want it removed from 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 2020-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Why are you reporting this account inaccurately? XXXX is reporting all good payments yet XXXX and XXXX is reporting just all charged off. Please remove this inaccurate 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 2020-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase is taking my mortgage payment and not applying it to the loan. They clear the check and then put it in an unapplied status meanwhile collecting interest and applying penalties. We have spent hours on the phone with them clearing up the prior month and then it happens again the next month. At the same point, they are sending emails telling me we have not paid our mortgage. This is deceitful and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan docs state that PMI may be removed from our loan when the LTV reaches 78 % and allow an appraisal to be ordered in order to obtain a more current valuation for the LTV calculation. 

However, after the appraisal was completed, Nationstar is refusing to honor that document citing XXXX investor guidelines that state that for the first 2 to 5 years of the life of the loan, PMI may only be removed from loan when the LTV reaches 75 % if a new appraisal is required to obtain a more current valuation for the LTV calculation. We never signed anything agreeing to this particular XXXX guideline. 

Further, the appraisal came in much lower than we had anticipated. We purchased our home in XXXX of XXXX and at that time the appraisal came in at {$430000.00}. The appraisal that was ordered in XXXX of XXXX came in at {$470000.00}. This indicates that during the 2.5 years of rapid appreciation of real estate in our area following the bottom of the housing market the value of our home only appreciated a little over 7 %, a claim which we find to be borderline insulting particularly given the comps in our area. 

Since XXXX XXXX, we have been trying to resolve these XXXX issues with Nationstar, but they refuse to cooperate.

Company response to consumer: Closed
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: GA
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:
I want to file a complaint against Equifax for allowing hackers to steal my data. The CFPB better be investigating them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: ERC
State: IN
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: Problem with personal statement of dispute

Complaint:
I've spoken to XXXX several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor Enhanced Recovery that the XXXX   claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from Enhanced Recovery. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX XXXX  duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I recently obtained my credit report and was shocked that I found late payments on it Creditor : XXXX XXXX Account Number : XXXX I was never late 30 days late in the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Im not sure when this occurred, I know that I had made my payments in a timely manner to your company when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation