BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of XXXX, I received an offer from Bank of America regarding a cash bonus I would receive if I both closed a refinance mortgage with BofA and opened a new accounts ( s ) with their partner Merrill Lynch totaling {$450000.00}. and kept the account open for 9 months. I closed the mortgage with BofA on XX/XX/XXXX. On XX/XX/XXXX, during a phone call with Merrill Lynch employee XXXX XXXX, he confirmed that I would receive {$1200.00}. within several weeks of the 9 month period which would have been XXXX, XXXX. When Merrill Lynch negligently did not deposit {$1200.00}. into my account and XXXX XXXX would not return my phone calls or e-mails, I reached out to XXXX XXXX as she was my first contact at Merrill Lynch regarding the cash bonus. Ms. XXXX reached out to XXXX XXXX and finally, I received a phone call from him in XX/XX/XXXX in which he assured me that I would receive my cash bonus. That never happened. 
Not only have I not received the cash bonus as promised, I have also been harmed financially. In order to keep my new accounts with Merrill Lynch at an average balance of above {$450000.00}, I liquidated over {$120000.00}. from my high yield savings account at XXXX XXXX during the stock market correction in XXXX of XXXX and transferred the funds to Merrill Lynch. In doing so, I lost hundreds of dollars in interest that I would have earned had I kept my savings in 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 2020-04-27
Company: Experian Information Solutions Inc.
State: UT
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 as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-11-09
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: Their investigation did not fix an error on your report

Complaint:
Hello, Upon reviewing my credit report, I found discrepancies on my XXXX XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, XXXX, XXXX and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: NM
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 have a potentially negative account from XXXX XXXX XXXX. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with XXXX XXXX and it still has not been 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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 have a potentially negative account from XXXX XXXX XXXX. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with XXXX XXXX and it still has not been 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 2020-11-09
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our realtor, lender, and escrow team was ready to close the sell of our house. They got the clear to close and all contingencies were removed. 
XX/XX/2020 we were going to sign our mortgage papers to purchase our new house, knowing we had to sell our old house in order to make that purchase, but our team was told everything was fine. 
XX/XX/2020 we were told papers running late. As the days progressed, we were told there was a small problem they were fixing, then it became a bigger problem. The other lender and relator were not responding to my relator and lenders calls/emails, information was coming in piece by piece and kept changing. First it was a problem because they had applied for an FHA loan but they already had an FHA home. Then we learned they already owned property, then we were told they DON'T have an FHA loan. In the end, we still don't know what the real problem was. Our lender called the buyer directly to see if they could be approved for a loan and it was very clear to him these buyers should have NEVER started the process as they were NEVER going to be able to be approved for that loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, me and my Wife requested o copy of our report from XXXX XXXX XXXX. On every single spot where should be our birth dates on our report it says XXXX which is incorrect. We tried to contact Them so They may correct the birth dates on our reports but They told us to contact You. All other credit report companies has same issue with our birthdates. Seems like everyone is missing the correct ones. 
Please help. 
Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ Data 2013 for {$1000.00} Harassing calls to pay the debt in amounts of {$1000.00} which is : 1. ) The wrong amount owed 2. ) Past 4 year statue of limitations in CA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Experian Information Solutions Inc.
State: NJ
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:
Some company by the name of XXXX XXXX XXXX put a collections from XXXX on my credit report I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX. That bill is in dispute with XXXX as it was part of my well visit and I have already reached out directly to XXXX. I have never heard of you or received any bills from XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit 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 2020-04-27
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I got a car loan in 2014 I am about to pay of loan off 5 months early. I called Santanders USA to see how much I had left to pay and to find out if this loan would go on my credit report. I went to look a cars a few months earlier and was told that it was not on my report. I was told by Santanders that my co buyer went bankrupted and because of that it would not be reported to the credit bureau on my behalf but that they could send me a receipt for the {$22000.00} I pay for the car. I myself have made all payments for this vehicle each month as the buyer never has the co buyer even been contacted in anyway or made any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
This was done on XX/XX/XXXX and was written to about this matter. Bank of America told that there would be an investigation and that I could not open any checking or saving accounts. The investigation took a year and I was given a letter stating that " opening checking and saving accounts are permitted '' to me. The amount was XXXX and it was from a closed account in which I had no knowledge. I have already spoken to Bank of America and they are supposed to send the letter within one to three business days. This complaint is to conclude this letter is sent for me to open checking and saving accounts and not to wait for the XXXX of XXXX of XXXX. This date was not told to me until I investigated this issue upon the XXXX  of XXXX of this  Year. I met with a Bank Associate and was told that this would be undone on the XXXX  of XXXX of XXXX. I need this copy of the letter stating " opening of checking and saving accounts is permitted '' to me. This issue was settled in 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 2020-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
my payments were on autopay but somehow the payment didn't go through ive had this account for years and all my other payments have posted

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 2021-10-24
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XX/XX/2021 Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2021, XX/XX/2021 for my XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX and XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!

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 2020-04-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I was facing a foreclosure. I was working with the bank to stop the foreclosure. I had a family emergency and when I retured home my house was locked with a pad lock. I called nationstar/mr.cooper to report this at the time XXXX XXXX  was helping me he gave me the pad lock information to go into my house. Upon entering there was things missing I told XXXX that things where missing I let him know that the patio door was bolted and damaged. I followed the steps he told me to but was denied any repairs and funding. I was working on refinancing my house but turned into a modification I was told my ex husband was going to be removed and my ex husband was told the same. My ex husband was trying to sue me over this mistake made by the bank. I have been trying to refinance since this mistake and now XXXX I'm calling constantly and I'm being told my account was closed due to someone leaving a department and not filing my case correctly. Or I'm having like 3 people in a month who make me repeat why I want to refinance my house. My credit is being pulled 2x to 3x a year. When I call I'm being told that my income will be verified or that they have to ensure my income can be used. I was told that they would contact my credit to let them know that few hard inquiry need to be removed, yet they have done nothing at all to fix this. I've been dealing with too much to keep having people brush me off. My income was the only income that I had in XXXX to modify my loan. My ex husband was clear about getting his name off. Now I'm facing him wanting to sue me for a mistake I didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a hospital bill and insurance wasnt correctly applied. I called before it ever got sent to a debt collector and the lady told me that after she added the insurance everything was good. Now I am getting calls from debt collector so Im guessing she didnt do what she told me she did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the refinance loan process with XXXX Mortgage around XX/XX/2021 and is still ongoing it is now XXXX XXXX Me and my spouse have questions and have sent several emails with questions about this refinance. 
We constantly receive emails to sign documents that have closing dates and rate locked dates that change which we do sign. 
So this is my complaint I have reached out to the Customer Care Support, Loan Officer and Mortgage Consultant for 2 months now.

I have sent these people emails and left phone messages along with my phone numbers where I can be reached I continue to get Closing Disclosures to sign but not one reply to my emails or phone messages. 
I also want to know if XXXX Mortgage is allowed to keep changing the Closing date and Rate locked in date as they please. 
I would like to include all the different amount and fees that continue to increase in these Closing Disclosure Documents but at this point I have so many me and my spouse have signed that both of us are extremely confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection Service has reported a collection to the credit bureaus. They are alleging that I owe {$540.00} to XXXX, the supposed original creditor. I've never had services with XXXX. They placed this erroneous debt on my credit report which is tarnishing my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to pay off a mortgage now held by Rushmore for 7 months. 

They have received all the required information from me and have confirmed that they have what they need. 

I have faithfully paid the mortgage every month. 

In spite of repeated requests by fax and telephone ( hours on hold on their phone ) to supervisor XXXX ( XX/XX/XXXX and others ), and representatives XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( ,XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) who promised they would email or fax the payoff information within hours, nothing ever comes true. 

I wish for your offices to compel this company to provide pay-off information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
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: Account information incorrect

Complaint:
I have sent 3 req asking for the validity of the debt was asked to sendin my copy of id, ss # and a letter with signature which I did provide XX/XX/2018 and I have yet to get a reply although all req were received by the creditor as per USPS ( Certified mail )

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 2020-12-08
Company: Amsher Collection Services, Inc.
State: SC
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:
On XXXX XXXX, 2020, AMSHER COLLECTION SE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AMSHER COLLECTION SE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: TX
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:
Sent a police report and ftc report on fraud from someone stealing my identity and opening false accounts in XX/XX/2019 for collection XXXX XXXX XXXX/ XXXX XXXX # XXXX $ XXXX.Experian and XXXX did not remove from my credit report even when all evidence was presented. very detrimental to my credit profile and need to be removed as soon as possible.

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