BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Look I'm the victim here, this Bank XXXX has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, XXXX was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only XXXX XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also Bank Of America is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity

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 2018-07-12
Company: ARVEST BANK GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the change in the tax laws, we prepaid the first installment of our property tax bill in XX/XX/XXXX that was due in XX/XX/XXXX. We instructed our servicer, Arvest Central Mortgage Company, not to pay the first installment of the property tax bill. They followed our requests. Because we paid the property tax bill with our own funds rather than through out escrow, Arvest performed an escrow analysis and refunded amounts that were not needed. Our escrow balance was about {$5000.00}, but they refunded us about {$6500.00}, which brought our escrow into a deficit position. We brought this to their attention and told them that it made no sense and that there would not be enough money in the escrow once our second property tax bill became due in XX/XX/XXXX. Arvest told us that they were looking at a " different view of our escrow balance '' that showed the balance at about {$8100.00}, which is why they refunded us the {$6500.00}. I can not see our escrow balance as ever being {$8100.00}, so it is concerning that Arvest is seeing a different balance internally than what they are showing the borrower. It is now XX/XX/XXXX and our property tax bill in the amount of about {$4000.00} is due XX/XX/XXXX and Arvest can not explain to me how our escrow analysis works - it makes absolutely no sense and is very concerning since they are handling the direction of our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: MS
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:
RE: XXXX XXXX XXXX/ XXXX XXXX        My complaint is against XXXX XXXX XXXX also known as XXXX XXXX. I currently hold a home loan with them! My mortgage loan was sold to them (XXXX XXXX) back in XX/XX/XXXX. Since my loan was sold to them, it’s been a total nightmare! They claimed my loan payments were late when they weren’t! And I just got with them. They have been calling and calling harassing me as if I’m not making my payments!  When I first connected with XXXX XXXX they told me when I could start making payments, which was told to me wrong when I spoke to them in XX/XX/XXXX. They told me by XX/XX/XXXX is when I could start making my payments.  Fast Forward a couple month..  I went to check my credit file, my credit file indicated that I was still with XXXX XXXX XXXX XXXX all the way until XX/XX/XXXX...although payment were going to XXXX XXXX.  I also was writing to XXXX XXXX (XXXX XXXX) trying to dispute this situation several times and also behind a late payment for XX/XX/XXXX...And need I remind you, I WAS SOLD TO THEM and this is happening. I did not hear back from them at all! After making several attempts to reach out to them, I noticed they have me late again for several months when I was not! When a Loan has been sold to another loan company, consumers are entitled to protection. Mortgage companies have a legal obligation to protect consumers during loan transfers. And I felt like I was not. I did receive a letter from XXXX that my loan had been sold but when I call XXXX, they told me to give XXXX a call. I never received the Transfer notice. So I did call XXXX and that’s when they told me I had time to make arrangements but I still end up getting a late. I was in good standing with my last loan company up until I was given to XXXX (XXXX XXXX)…I am sending copies of the payment History dates that I made payments before the XXXX   day late! Oh and why I ended with making payments before a XXXX day late is because how my payments started with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized ( inquires not associated with the opened accounts ). Identity fraud victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Look I'm the victim here, this Bank XXXX has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, XXXX was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only XXXX XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also XXXX XXXX XXXX is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Bread Financial Holdings, Inc.
State: PA
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 have filed an FTC Identity Theft Report and Affidavit under penalty of perjury. I have sent notices to both XXXX XXXX XXXX XXXX with regard to this fraudulent debt. They are both on notice that this debt is the result of credit theft and is not mine. I have not paid a single bill late for over 12 years. I lived at XXXX XXXX XXXX XXXX, PA for over 10 years and then moved a year ago. When I checked my credit for a major purchase, I discovered false information including debts that are not mine. After some investigation I found that someone had gotten my information and was applying for credit at two addresses. I have never lived at ( XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX In addition when I changed my Drivers License online to my new address ( XXXX XXXX XXXX XXXX XXXX XXXX ) I noticed that my drivers license address had been changed to the XXXX XXXX XXXX Address ( I never lived there ). I contacted the 3 major credit agencies and they removed some of the negative information but they have not removed the fake address or the fraudulent debt for XXXX XXXX XXXX. In addition I have now received a demand for payment from XXXX dated XX/XX/2020 for the same debt, stating that I now own them {$3800.00} and asking if I dispute this debt. This notice went to my previous address ( XXXX XXXX ) so, I did not get it until yesterday as I have been down with XXXX for the past three months. I am disputing XXXX claim today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: Consumer Portfolio Services, Inc.
State: OH
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:
Consumer Portfolio Service reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX XXXX to have it removed from my inquiry no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
First Progress has closed my account without my permission they have kept my security deposit and refused to refund it to me they have not fully investigated claims they have treated me in a discriminatory manner they have not fully disclosed the terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized ( inquiries not associated with opened accounts ). Identity fraud victim.

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 2018-03-02
Company: BB&T CORPORATION
State: OH
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 reported on my inquiry XX/XX/17 on my XXXX I did not apply to this creditor nor give authorization. I called both creditor and XXXX to have it removed from my inquiry no action was taken. 

XXXX XXXX reported on my inquiry XX/XX/17 on XXXX  again I did not apply with this creditor nor give authorization. Called creditor and XXXX to have it removed from my inquiry no action taken. 

XXXX XXXX this was reported on my inquiry twice same day XX/XX/17 on XXXX and XXXX. Did not apply to this creditor nor authorize for credit. Called XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX removed no action taken.

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 2018-10-04
Company: Experian Information Solutions Inc.
State: MS
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 have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.

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 2020-09-03
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I received the closing details for a refinance. I provided the ACH details and received the amount I had to pay to close on my original loan. From XXXX I received no information other than the closing date was XX/XX/XXXX. On XX/XX/XXXX I closed. The closing docs listed the same amount of cash to close I was required to pay. I confirmed the funds were in the account. The closing disclosure doc listed both the cash to close and the disbursement of funds date of XXXX I confirmed with the settlement agent that the funds would be paid before XX/XX/XXXX so that my original loan did not go past 30 days and he confirmed. On XXXX I called the mortgage company and they informed me there was an issue with the ACH because the cash to close amount was incorrect so the funds were never disbursed and a 30 day late was posted on both my credit as well as my wife 's. When I asked why, thy said on a recorded line that there was a backlog of documents, which is why I was never contacted. They said I needed to pay more money to wire funds to close the mortgage. The amount I had to pay was the exact same amount so they must have paid the difference. Their neglect and inability to communicate with me caused a negative impact for both my wife and me. My wife is not even on the new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/XXXX Called Lending Club to set up a hardship plan. Loan payment, which was automatic ( ACH ) at the time, was due on the XXXX but they had already requested the money from my bank. Operator set up a payment plan for me -- reduced payment for XXXX, XXXX, and XXXX -- and said that since the payment was already taken out that I should do a stop payment with my bank, which I did. I made the reduced payment for XXXX. 
XX/XX/XXXX Got call from Lending Club saying that I owed the entire XXXX payment. Operator got me to agree to pay the full amount. 
XX/XX/XXXX I called Lending club to say that I couldn't pay the full amount and that original agreement should be honored. Operator reinstated agreement for reduced payment for XXXX, XXXX, & XXXX. 
XX/XX/XXXX Lending Club called me and said that I owed the past due for XXXX and failure to do so negated the payment plan for XXXX & XXXX. I explained that we had an agreement, which the operator reviewed with a manager who said that the agreement was invalid unless I paid full amount for XXXX. 
XX/XX/XXXX Called Lending club and explained to operator that I had an agreement, they aren't honoring it, and that they should be able to reinstate the original agreement. She said that it's already been reviewed by a manager and that there is nothing they will do about it. She told me to go to XXXX and look for work, which is when I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
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:
My complaint is two fold. The fee I was erroneously charged and the magnitude of difficulty involved to reach a customer service rep to remedy the wrongly assessed fee. I was charged a {$1.00} fee. I have two transactions on this card. One is a ongoing balance transfer on 0 % APR through XX/XX/2019. The other was a regular purchase done on XX/XX/XXXX on my current stmt due XX/XX/XXXX. After having difficulty with the automated system to reach a cust svc rep, the system gave me two choices. Get called back in 2 hours or hold for 2 hours. I opted to hold. I held the line for 3 hours until I finally got a rep oh the line, who proceeded to give me false info for why the fee wascorrect. It's only because I am knowledgeable about the methods for how interest and fees are assessed and how to avoid them that I was able to cut through the obvious lies I was being told to substantiate the fee. The rep finally admitted I was correct that I shouldn't have been charged the {$1.00} fee. He then said what would you like me to do. I told him, his name was XXXX ... credit back the fee to my account. He did and seemed annoyed that he'd have to do this. This entire process underscores a seemingly deceptive practice by BOA, Bank of America, to wrongly charge a fee low enough that most consumers wont bother to spend the time to follow up on it, and then another deceptive practice to make discussing it with a rep so difficult and time consuming, they give up and then for those like myself who ride out the 3 hour hold time, another deceptive practice of training their reps to give knowingly false info to justify the fee. The rep absolutely lied to me three times, giving me false information to tell me why the fee was correct. I am confident most consumers lack the knowledge needed to be able to tell the rep why what they're being told is wrong or not applicable in theirsituation. While the fee incorrectly charged was nominal, if the deceptive practices I described are done en mass, this becomes a mass scale fraudulent practice to collect revenues not due to BOA. It is beyond unacceptable to have to hold for 3 hours to get a customer service rep on the phone. Its some to get the consumer to give up and let BOA just keep the {$1.00}. I was further aggrieved to be lied to over it.

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 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I VISITED THE BANK OF AMERICA BRANCH IN XXXX XXXX XXXX, CA ON XXXX   XXXX, 2020, ALSO THE XXXX   XXXX XXXX, XXXX, BRANCH BECAUSE THEY WERE SUPPOSED TO BE OPEN FOR BUSINESS FROM XXXX   THRU XXXX ACCORDING TO THE BANK 'S GENERAL TELEPHONE LINE- ( XXXX ) XXXX. IN REALITY, THEY WERE ALL CLOSED. THEIR FRONT GLASS DOORS HAD MULTIPLE SIGNS -- CLOSED, CLOSED. NO EXPLANATION GIVEN AT ALL! 
THEREFORE, I FEEL THAT I SHOULD REPORT THESE UNETHICAL BUSINESS PRACTICE TO YOU FOR TWO REASONS : 1 ) FAKE MESSAGES TO DISTRACT THE CLIENTS, 2 ) LOSS OF OUR PRECIOUS TIME TO TRANSACT OUR TIME SEN- SITIVE BANKING NEEDS, 3 ) ALTHOUGH THE ATM MACHINES ARE OPEN, THERE ARE TRANSACTIONS THAT CAN NOT BE PROCESSED BY THESE MACHINES., THESE TRANSACTIONS NEED A LIVE BANK CUSTOMER REPRESENTATIVE TO PROCESS AND PROVIDE A RECEIPT AS PROOF OF SERVICE AS OF THE TIME OF THIS WRITING, I AM STILL UPSET AS TO THE BAD BEHAVIOR OF THESE BANK PERSONNEL! NO COMMON SENSE!.

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 2020-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This complaint is related to the signup bonus for opening a savings account through Citi bank. I opened up an account and met all the requirements to receive the signup bonus. 2+3 months have passed but I haven't received the bonus credited to my account. I've contacted the banker many times to find out what's going on but they keep saying to allow 1-2 days to process the credit every time I called them.

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 2020-09-03
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:
The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX  5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}

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 2020-12-11
Company: EQUIFAX, 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:
i have sent Equifax several letters stating that there are inquiries on my credit report that were not authorized by me and they are still reporting. i have asked Equifax to provide me with proof that i authorized these creditors to inquire my credit. the following are : 1.XXXX- XX/XX/2019 2. XXXX- XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Great Northern Mortgage Corp.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XXXX XXXX I applied for mortgage refinance through Great Northern Mortgage Corp XXXX XXXX the name of a person who was handling my file is XXXX XXXX . I submitted all my financial and personal info including my SS, bank accounts, W2, paystubs, 1040. As of today I did not receive any official approval or denial from their side. I believe this company is a fraud, they took my personal information and never provided me with official loan decision and I believe they never submitted my application for review to the bank processing team my consumer rights are violated, I feel discriminated. 
Please investigate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation