BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question which have been removed several times because these are inaccurate and have been removed because they were a result of identity theft. I HAVE SENT IN AFFIDAVIT OF IDENTITY THEFT YOU HOW EVER HAVE ALLOWED TO REINSERT I NEVER received a written notice 5 days prior to it happening, I am entitled to {$1000.00} per account that was added back ILLEGALLY. 
As per FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a  consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
The accont is XXXX XXXX XXXX {$510.00} Opened XX/XX/2018

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 2020-10-10
Company: AES/PHEAA
State: OR
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:
My account has been either in forbearance or Ive been back in school ever since I took out these loans. Ive been adamant about it. Yet they keep reporting these months within the cycle as missed payments which is negatively impacting my credit + Ive requested four times this year for this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted disputes to Experian, XXXX  and XXXX  regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had been paying the same mortgage payment to Bayview loan servicing company which include tax and insurance for many years. Its an impound account for $ XXXX/month and later increase to $ XXXX/month and now it becomes $ XXXX/ month. On XX/XX/2018 I received anticipated escrow account disbursements letter that my property tax become {$14000.00} starting XX/XX/2018. I received an annual secured property tax bill from Treasurer and tax collector is only {$1500.00} from XXXX XXXX to XXXX XXXX. I had sent several letters to Bayview Loan servicing with a copy of the tax bill that I received from the treasurer and tax collector office but never get any reply back. Also I had paid the mortgage on time and sometime a little late, but once I talk to customer service they told me that I am current then later I received a mortgage statement that I was late about 2 months. So I paid those 2 month on the statement now it come again that I still own them another 2 months. I am confused about what is going on since I just talk to their customer service about the update payment. Later Bayview loan servicing sent one letter to me saying that they had sold the loan to XXXX fXXXX so I have to contact them. I am very stress and don't know when they going to put my property into foreclosure. Now with XXXX XXXX. They also sent me the same statement that my mortgage become $ XXXX/month due to my property tax increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: FIRST INTERSTATE BANCSYSTEM, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a property investor with several properties in both Idaho and XXXX  XXXX as well as XXXX. When I was in the US in  XX/XX/2019 I was encouraged to open an account with First Interstate Bank in XXXX Idaho. At the time I signed all the forms and provided all the identification that they required. They did not indicate that would be any problem with me being an XXXX resident when I met with the representatives of the bank, XXXX XXXX. On returning to XXXX, they informed me that even after providing additional information to them and signing another form for the second time, they informed me that they were going to close my account. I wish to lodge a complaint against this bank for misleading statements and incompetence as it became apparent that they never should have offered me an account or opened one for me. This wasted a significant amount of time and I would like this matter to be investigated. I have discussed this matter with the local branch manager XXXX XXXX requested some form of compensation but they refused to do this. Please call me if you have any queries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: AMERICAN EXPRESS COMPANY
State: NY
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 was billed on XX/XX/2017 in the amount of {$6200.00} as well as for {$38.00} on XX/XX/17 total fees charged {$6200.00}. 

These late fees must be credited back as all the charges and entire balance was resulting from disputed transactions due to an ongoing problem we had with these transactions with a merchant. when you sent me a letter regarding the dispute, you stated you will credit the charge plus all associated interest late fees. The charges were indeed credited back, but American Express never credited me back for the interest fees and late fees associated with these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Servis One, Inc., Titusville, PA Branch
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been making my payment ( s ) on time for the past 13 months and my mortgage company is reporting to all ( 3 ) credit bureau that my payments have been late. I always submit all my payments on time. Due to the fact, my lender has been sold to another company they do not process my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Convergent Resources, 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 information incorrect

Complaint:
The DOFD is inaccurate and is a violation of FCRA section 609 ( a ) ( 1 ). The DOFD does not match the OC 's DOFD. The DOFD was in XX/XX/XXXX not in XX/XX/XXXX and XXXX customer service gave me verbal confirmation today that the last payment was received in XX/XX/XXXX. I am attaching an email from XXXX showing when my account was first delinquent and a copy of my CR showing a different date and I believe the debt to be reaged.

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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a membership for my dog with XXXX XXXX Hospital. 
At XX/XX/18 I call and cancel my membership After I cancel my membership XXXX XXXX Hospital still trying to collect money from my bank account. The amount I pay XXXX XXXX hospital was {$25.00} dlares each month. 
XXXX try to collect money from my bank account even after I cancel my membership and they actions result extra charges on my check account.

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 2018-04-13
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX XXXX has been ongoingly writing me since XX/XX/2018 for payments on items, that I have paid for through XXXX credit card XXXX XXXX XXXX. These items appear to be the items that were put in XXXX plan. 

XXXX XXXX XXXX contact the XXXX XXXX XXXX immediately review my account with them immediately and send them the payments for all items they did not receive their payments for. 

From home shopping networks responses in writing to me, they have not been paid for numerous XXXX  paid items that I have clearly sent payoff payments to the bank for. 



To date, I have sent full payments to XXXX XXXX XXXX XXXX to pay off all XXXX account items, with- in 30 days Or less, if items purchases. 
I need XXXX XXXX  to contact XXXX asap, review what they need and send them payments on items asap. 
I have already requested for XXXX to stop writing me and I have informed them that I have sent the full payments for all my XXXX items to the bank. 

XXXX will also be contacting you directly to resolve issue. 

XXXX is ready to send my alleged non-payment for these XXXX items to collections and this is not acceptable!!!. 
I will not have my credit hit twice on same, on going issues between XXXX and bank, period. 

Both agencies have partnered together to service consumers, so work together to fix this ASAP. 

XXXX XXXX XXXX you now have the same 10 business days, as XXXX, from today to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted disputes to XXXX, Equifax and XXXX  regarding inaccurately reported late payments for accounts that were in forbearance. The accounts have since been closed but the accounts late payments are still reporting inaccurately. In addition to that, other information is reporting inaccurate as well just as the date of late payment and date the account was open. The bureaus have failed to provide me with detailed information regarding the verification and proof of the verification. I have spoken with countless representatives at all three bureaus as well as the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Westlake Services, LLC
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Purchased a vehicle from XXXX XXXX in XXXX, New mexico. First time car buyer doing things on my own, they offered to get me in the car for XXXX down and claimed it came with a warranty. Turns out there was no warranty and they instead sold me gap insurance. They then told me after the 500 mile/15 day warranty that I was gon na get a call from the bank and that I had to say that I paid XXXX down and made more then I did or my car would get repossessed and i would get in trouble for committing fraud on my application after they changed the numbers. The car blew up less then 5000 miles later and I am stuck with 5000+ in repairs and a interest rate that is 6 % higher then they originally told me. The bank said they would delay my payment til the XXXX and I got a email today saying I'm 20 days delinquent and that I have not responded to their requests to reach me when I called them on 3 or more occasions. I was told to email them the vehicle diagnosis to be told they never received anything after 3 times of sending it. Im about to hit the 30 day late and don't want to get a repossession on my record when I was scammed into the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The responses offered did not fit my situation. The ones I chose were closest to it. 

I recently received my XXXX mortgage interest form from Bank of America. It was not correct. My XX/XX/XXXX mortgage statement stated that I paid {$22000.00} in interest. My XXXX, which was available online on XX/XX/XXXX, stated the amount was {$20000.00}. I called during the 1st half of XXXX and was told by the person that they would send a revised form. As of XX/XX/XXXX I had not received the form so I called again to find out the status. The phone system says a new form was sent XX/XX/XXXX ( it wasn't posted online and I didn't receive a copy in the mail ). When I reached a person ( XXXX employee # XXXX ) she explained that since I have prepaid 4 months of my mortgage, they would only report interest through the scheduled XX/XX/XXXX payment ( which was made in XXXX ). I mentioned that the Table 1 Instructions for IRS publication 936 ( page 10 ) states that " You can deduct all of the interest you paid during the year on mortgages ''. When I asked to speak with someone that could answer why BofA was interpreting mortgage interest this way she would not forward me to anyone else. She said that both the Tax Area and Year End Department were closed for the day ( this  was at XXXX in the XXXX  EST ).

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 2020-11-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$170.00} XX/XX/XXXX {$170.00}. XXXX XX/XX/XXXX {$170.00} XX/XX/XXXX Charges by the XX/XX/XXXX My bank Suntrust I file for fraud but it was denied.

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 2018-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Three failed separate ATM transactions occurred without my knowledge in the state of XXXX when I reside in XXXX XXXX State. My information was compromised although I had my debit card on my person the entire time. Bank of America decided to close my checking account without notice and a representative to speak about it with. I filed a claim and was told that I would be sent a new card once I received a new card in the mail I still had trouble activating it because my account was permanently placed on hold. This comes at inconvenient time because I had direct deposits from my job and I am past due on bills from the last week.

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 2020-01-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Bayview Loan Servicing LLC and they requested a copy of my homeowners insurance. In order to refinance my property I provided proof of insurance and always maintained insurance on my property. They purchased my loan and have insurance agent 's agent information why not just contact them? It looks like they are running a scam by placing insurance on your property knowing that borrower already has insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were told that our mortgage servicer was switched from XXXX XXXX  to Roundpoint Mortgage in XX/XX/XXXX. 

In XX/XX/XXXX, Roundpoint began taking XXXX  mortgage payments from us a month, putting us into overdraft. 

After the first withdraw, which was a week early on XX/XX/XXXX, I called them and asked why they withdrew early. They ensured me that it was a mistake but I would not be withdraw again at the end of the month ( XX/XX/XXXX ). 

I found out today they took another monthly payment from my bank for the month of XXXX. After hours on the phone with them, they said they had no way of refunding my payment and that I would still have to pay on XX/XX/XXXX. 

This company is a fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA609/611/623 violation. The Following accounts are listed : BEST BUY/CBNA # 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 explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: SC
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 had two different collections agencies reporting on my credit report at the same time. The 2 collection agencies were XXXX XXXX XXXX and XXXX XXXX XXXX. Both claimed they were contracted by XXXX XXXX. I have never had service with XXXX XXXX. I contacted XXXX who in turned advised me to submit a dispute especially since both collections agencies reported they were collecting from XXXX. I filed a dispute with XXXX  regarding XXXX XXXX XXXX and XXXX XXXX XXXX and they both were removed. Equifax  removed XXXX but not XXXX XXXX XXXX. I sent a certified letter to XXXX XXXX XXXX asking for verification and they sent me back a billing statement with my name and a XXXX XXXX as the address. This account is fraudulent and XXXX XXXX XXXX lack the burden of proof for it to remain reporting. I asked for ownership paperwork or an original contract which has yet to be sent to me. Equifax  is the only. bureau reporting this bogus collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/X/17, I deposited a check for {$940.00}, and a hold was placed on {$640.00} due to the fact that I had had multiple overdrafts in the last XXXX months. The held funds will be available on XX/XX/17. Unfortunately I have an automatic payment set up for my car insurance that is withdrawn on the eigth of every month, which because the funds were held, has overdrawn my account. I called the bank and spoke to a representative who stated that overdraft fees will be applied until the funds are released, and that there is nothing he or anyone at the company can do. I feel that this is unfair and dishonest. I deposited the funds into my account and there is enough to cover the overdraft, so there is no reason for me to be charged because the bank has chosen to hold my funds.

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