BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX. I filed a compliant with XXXX XXXX on XXXX, and they responded be XXXX case number XXXX stating that it was going to be remove off my credit however, in the context it stated my sister name which is XXXX XXXX XXXX. this have been a lot of confusion on my credit due to creditors are getting us mixed up with name, and social security number. I never had an account with XXXX XXXX. Social Security number is XXXX. I am requesting that this information be correctly, and remove off my credit report as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I was called on the telephone by a debt collection agency trying to collect a debt from a hospital stay in XX/XX/XXXX. The person on the phone was rude and demanded payment immediately even though he had no information about the exact services rendered. I disputed the bill in writing, until further proof and itemized bills could be produced. Once I received an itemized bill, I was able to verify what the correct charges were and I paid the bill in full with a personal check in XX/XX/XXXX. The check has been cashed and cleared my bank account. Since that date I continue to received bills from the same company, and another company under a different name ( XXXX ).  I have called both companies and told them that the bill was paid in full, providing copies of cancelled checks, but I continue to receive bills on a monthly basis. I am tired of trying to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: CA
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:
It comes to my attention that there is multiple credit inquiries that I did Not recognize nor authorized consenting to. Please verify these credit inquires from XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX as well from XXXX XXXX. These are Unauthorized inquiries, please verify and provide proof of authorization of original signature of its owner within 5 business days in compliance with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I reported my card stolen. I noticed charges i had not made upon logging in on the app. So i go to grab my card to call the bank and they canceled my card i tried to add all charges that were not authorized and it wouldnt allow me to. So i wrote a message to support letting them know i have never received a response. I also never received a new card. Its been goon. On the 4th week now and i barely got a denial for my disputes. They claim i used the card after the charges of dispute. I did not one charged was made prior to my card being stolen. I went to, the tan shop about a week prior to the theft. And the put my card on file and they charged it later. Therefor the charge didnt show being made for the actualdate i went in. I had over a thousand spent of my tax money that they will not give me, back and they took almost a month to investigate or say anything, i still havent gotten my card. Simple bank should not be used

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Financial Credit Service, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX I rec 'd phone call from " unknown '' who turned out to be XXXX XXXX XXXX out of Illinois trying to collect a debt that was not my husbands debt, but his ex-wife 's. My husband never had a credit card in his name until XXXX. They told me, if I did not agree to the terms and give them a 'good faith ' payment today, they would garnish my husbands paycheck and put a lien on my car. Of course I got upset, not thinking straight and paid them {$100.00}. After further research on my part, I realized that this was a scam to collect an old debt. I called my credit card company, told them I was scammed, and that I need to cancel the card. This company has over 100 negative complaints against them on XXXX website, all complaints are about the company trying to collect on old debt. Then I realized that the last know activity on the account is from XXXX. I am awaiting a letter from the company. They stated they would be mailing me out one today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I submitted a balance transfer from my BANK OF AMERICA credit card to my XXXX credit card.The balance transfer went to the wrong XXXX credit card. I put a stop to the transaction on XX/XX/2020 at XXXX XXXXXXXX and was told they stopped the transaction.The money was transferred regardless. I called Bank of America was told it would take a couple of days to have them reverse the transaction. On XX/XX/2020 the transaction was still valid. I called them and they opened case XXXX. Was told that they would contact XXXX and fix this situation. I called back on XX/XX/XXXX to check status was told it can take up to 30 days for them to fix the error. I called back on XXXX the XXXX for status was told the same and they assure me it was being taken care of. I called back again on XX/XX/XXXX and again was told it would take 30 days and to check back after the 30 days. I called again XX/XX/XXXX, was told by the agent that she checked with her supervisor and it was all on target for the 30 day mark. Now after 30 days I called XX/XX/XXXX and was told by an agent nothing Bank of America can do. I called back and this time the customer service agent advised that the reversal was cancelled and she could not see the reason and that she will put in the request again with the appropriate group. she also told me she talked to her supervisor and that they will take care of this.The transfer is for more than 10K. I called XXXX and was told nothing they can do to help me, that Bank of America needs to contact them directly. 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 non-monetary relief
Consumer complaint received 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX   XX/XX/XXXX these inquires were not made by me and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage Servicer, Specialized Loan Servicing, failed to provide a refund for a subsequent bi-monthly mortgage payment debited after a payoff statement was issued and failed to refund a preemptive late fee incorporated in the payoff statement : XXXX XX/XX/XXXX - SLS provided a Payoff Statement to New XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - SLS receives an automated bi-monthly payment for {$620.00} XXXX XX/XX/XXXX - SLS receives payment in full via XXXX XXXXr from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  XXXX XX/XX/XXXX - Consumer requests XXXX  refund XXXX/XXXX payment and late fee without formal Error Resolution Notice per 12 C.F.R. 1024.35 XXXX XX/XX/XXXX - Consumer files complaint with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX closes complaint SLS provided XXXX a second Payoff statement dated XXXX XX/XX/XXXX, reflecting the XX/XX/XXXX bi-monthly auto-debit payment, which was NOT used in the underlying mortgage refinance transaction with XXXX and XXXX 

Both SLS Payoff statements ( XX/XX/XXXX and XX/XX/XXXX ) included a preemptive Late Charge fee of {$34.00}. The Late Charge fee was assessed in the underlying mortgage refinance transaction per instruction from the SLS payoff even though the monthly auto-debit and receipt of the payoff funds via wire were received timely. 

Also, SLS provided different daily interest per diem rates in the Payoff Statements.

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 2018-03-12
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied a XXXX XXXX from the XXXX XXXX XXXX. I'm a frequent customer of XXXX ( to the tune of thousands of dollars a year ), and I often miss out on sales because they are for card holders only. 

I have good ( even " excellent '' ) credit ( XXXX from XXXX   ), over 22 years of credit history, no " derogatory '' items on my credit report : basically nothing negative. I can see no legitimate reason to deny me such a card, but the reason given was, implausibly, " Insufficient Credit Experience. '' I have worked hard to obtain a good credit rating, and I'm surprised and disappointed to see these predatory financial companies deny me credit anyway.

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 2020-10-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my checking account, without providing a reason, on XX/XX/2018. I had {$290.00} in the account and they said they mailed me a check on XX/XX/2018 for the amount noted above. It is XXXX XXXX, 15 days later, and I have not received the check. I called them and asked that they cancel that check ( obviously lost in mail ) and issue a new check, or let me go to a branch of their bank and get my funds. They refused to let me go to a branch, and further told me if the check were cancelled I would have to wait 90 days to get another check sent out. This is ridiculous and I'm sure any consumer would agree with me. This is MY MONEY and I want it NOW! All they have to do is cancel the check they SAY they mailed, and call their local branch and give me my money. My next step will be to confer with an attorney and take them to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent Midland Credit Management a letter to validate the debt. I did not recieve anything from the company concerning the debt. On XXXX XXXX the amount was {$1300.00}. I waited the full thirty days and no response. On XX/XX/2021 I sent another letter to the company. I did not recieve a response again. On XX/XX/2021 I recieve an alert on my XXXX account that there was a change to one of the accounts. I checked it and it was Midland Credit Management changing the balance from {$1300.00} to {$1300.00}. So the balance increased by a dollar. Then on XX/XX/2021 I checked my XXXX XXXX  account and the same listed account had been closed by Midland Credit Management. I just want to know what is going on or what happened. I never recieved any correspondence from the company. The debt should be removed from my credit report as to the company never sent anything to validate the debt. There also was another account in collections with Midland Credit Management. So On XX/XX/2021 I sent a letter concerning that account to validate the debt. On XX/XX/2021 Midland Credit MAnagement mailed me a bill for the balance of {$1000.00} with no explaination of how the debt was calculated. So XX/XX/2021 I wrote another letter to the company to validate the debt. I recieved no response. Then on XX/XX/2021 the balance increased by one dollar so the balace went from {$1000.00} to {$1000.00} and the comments on the account reflects the account is still in dispute. According to the law if an account is in dispute the company is suppose to stop reporting until the outcome of the dispute. But in both cases the balances changed and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was offered the promotion that I will get a statement credit of {$40.00}, {$80.00} or {$120.00} on my XXXX XXXX Credit Card ( XXXX ) as a new customer if I were to register my XXXX before XX/XX/2018 ( XXXX XXXX XXXX ) ' which I'd register my XXXX  before the promotional date ( XX/XX/2018 ) and did not received my statement credit ever!!!!.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: PA
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:
Equifax are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.they are reporting this account reporting the status paid and it a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, I want to freeze my credit with Equifax. I tried to do this over the phone, as I understand that this is the safest route. I received a message saying they ca n't process my request at this time. When I tried to freeze my credit online, I received a similar message. I do not want to send personal information through the mail to the Equifax address for credit freezes, which is this : Equifax Security Freeze XXXX  XXXX XXXX XXXX, Georgia XXXX That just seems like an open invitation to identity thieves

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Looking on the Federal Reserve site, Reg D was temporarily done away with on XX/XX/XXXX due to COVID-19. " Q : What changes has the Board implemented to savings deposits in response to COVID-19? 
Posted : XX/XX/2020 A : On XX/XX/XXXX, the Board announced an interim final rule to amend Regulation D ( Reserve Requirements of Depository Institutions ) to delete the six-per-month limit on convenient transfers from the savings deposit definition. The Board took this action in light of the elimination of reserve requirements on all transaction accounts, making the retention of a regulatory distinction in Regulation D between reservable transaction accounts and non reservable savings deposits unnecessary. In addition, financial disruptions arising in connection with COVID-19 have caused many depositors to have a more urgent need for access to their funds by remote means, particularly in light of the closure of many depository institution branches and other in-person facilities. The interim final rule was intended to allow depository institution customers more convenient access to their funds and to simplify account administration for depository institutions. Further information, including a full set of frequently asked questions and answers, is available here. '' This came straight from the Fed site. I tried to make another transfer today on XX/XX/2020 and Bank of America was going to charge me for the transfer. This violates what the Federal Reserve has put into place because of this pandemic. 
So I called Bank Of America on XX/XX/2020 and spoke with XXXX in the New York office. She argued with me that this was not correct with what I was telling her. So I ask to speak to a supervisor to let them know about this update. Bank of America is still charging people fees for Reg D transfers when they are not suppose to even count the Reg D at this point. Please look into this matter. I can not seem to get anyone on the call to listen. 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 explanation
Consumer complaint received 2018-04-05
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In mid-XX/XX/XXXX, I called Ocwen directly to discuss a possible modification to my loan. I was informed that I qualified to apply for a modification because of my increase in income and was instructed on where to obtain the application and provided a fax number to send all documentation. I believe Ocwen miscalculated my income My monthly gross is {$4.00}, XXXX My monthly expenses are {$870.00}, leaving me with a {$3300.00} surplus! 
When I fell behind, it was due to a financial blow, since then my income has increased substantially and I provided that proof to Ocwen. 
The denial letter stated two reasons of denial : 1. Account is greater than 90 days delinquent 2. Could not be offered a payment that is within the guidelines of modification Ocwens modification program They also provided projected terms but stated is " was not affordable ''. 
I agree I am behind, but I am willing to keep my home, I WILL TAKE THE PROJECTED TERMS BECAUSE I CAN AFFORD IT. 
I sent Ocwen a letter requesting to postpone the sale date for XX/XX/XXXX and review my application. I have attached a copy of that letter here along with the denial letter. 
I fell behind a year ago on my payments because my daughter was having XXXX XXXX which turned into XXXX. As a single mother, I had to take time off work to take my child to her appointments. Why am I being treated like a criminal? 
I thank XXXX all that has passed ; all I need is to save my home. 
I intend to pay back Ocwen what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection on credit Report 19 months old. No contact or attempt made to notify of payment owed. 

Diversified credit has placed a collection on my credit report for an outstanding XXXX XXXX XXXX cable invoice from XX/XX/XXXX. This account was to our knowledge closed and paid in full upon moving. We never received any documentation or notice of the outstanding balance owed. The first knowledge of this debt was upon working with mortgage lender to close on a home in XX/XX/XXXX. The dating of this debt per XXXX XXXX XXXX and Diversified XXXX is 21 months old and has just appeared on my credit report XX/XX/XXXX. If this invoice was received I would have made due payment. However in trying to work with both XXXX XXXX XXXX and Diversified XXXX they are unwilling to assist in clearing this from my credit report despite my eagerness to pay in full. To my knowledge this debt did not exist and was unable to pay what I was not aware existed. Note, a bill was not received at the forwarding address at anytime. 
Unable to attach statement below as not provided by either XXXX XXXX XXXX or Diversified XXXX although requested twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm a U.S. legal permanent resident ( " green card '' holder ). Several years ago, I opened a checking account at a Chase branch. Two weeks ago, I wanted to add my spouse to my account. The banker refused to accept my New York state I.D . stating that only U.S. citizens are entitled to using their state IDs as their primary form of identification. Non-citizens are required to present their immigration papers at Chase. Later, I confirmed with Chase 's executive office that this was in fact their policy and that they stood by it. I find this policy discriminatory and suspect that it may not be fully legal. My state I.D . is as good as those of U.S. citizens. If a U.S. citizen does not have to verify their citizenship status every time to perform a simple transaction, nor should I be required to show my immigration papers every time I enter the branch. Either state IDs are accepted for every ( established ) customer or not.

Company response to consumer: Closed with explanation