BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: ARVEST BANK GROUP, 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: Problem with personal statement of dispute

Complaint:
Arvest Central Mortgage is reporting that the account that was held by my wife and I was " discharged through Bankruptcy '' and it was not. The account ( {$110000.00} ) was sold to another lender prior to us filing for BK and last reported on XXXX-14 by Arvest as it states on the credit report. The date we filed Bankruptcy was XXXX-14 and as you can see there is no possible way it could have been included in the bankruptcy as it was filed one month after Arvest Central Mortgage sold the loan to another lender. Even the new lender posted it as paid in full after we paid it off. I have disputed this information at least 4 times 2 online and 2 by phone and they will not take off the discharged through bankruptcy. This account was Paid in full and never late! The only thing that was ever changed was they added the words in the comment section Purchased by another lender. because of this it shows up as a negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
On XX/XX/XXXX we suffered a severe hurricane Irma. We were hit by this hurricane and had no electricity or cell phone service for quite some time. After this devastating event, I had to call my credit card companies as I was behind on the bills due to this hurricane. According to FEMA, the credit card companies were able to waive several months of payment with no interest and late fees. I have XXXX XXXX, XXXX XXXX XXXX, XXXX and CITI Bank. All these banks promised that FEMA had these benefits for card holders for a 3 month mark since XX/XX/XXXX. Thus I did not make any payments for 3 months and with all the banks I had no issues, except CITI Bank. They promised the same FEMA benefit. I did not make my payments for 3 months. The first month of XX/XX/XXXX it was waived, but then two months later, they sent a letter stating I am behind on my credit card payment and that they are wanting to collect debt. I called right away and explained about being impacted by the hurricane Irma. They said to pay my overdue amount of {$200.00} dollars or so to catch up, which I did. Then when they transferred me to another CITI department to ask about my card not working, they stated that since I did not pay, they closed my account and reported 60 days no payment to the credit bureaus! I explained this is not fault as I was impacted by the hurricane and they stated I would not have to pay for 3 months! 

I was then transferred to a supervisor whom said CITI decided to close the account, but they state the reason, the supervisor was very rude and I said it was because it shows on the system I missed payment for 2 months, when in reality they stated I would not have to pay until XX/XX/XXXX. The supervisors name was XXXX and employee ID : XXXX. Now they closed my account without my authorization and it shows on my credit report I no longer have this account and it shows delinquent negative report on my credit report. In all my years, I have never had a bank close my account especially when it is not an error on my behalf. I find this unjust and unethical by CITI Bank. I even sent a letter which I have in my records to corporate in XX/XX/XXXX and did n't even receive a reply! Any help is appreciated!

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 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I closed on the mortgage in XX/XX/2021 The closing sheet provided by the loan closing officer was that I was paying XXXX and some change for Mortgage payment Property taxes And home owners insurance I was responsible for paying out of pocket for Hoa fees Earthquake Flood insurance I have XXXX insurance and I have a bundle insurance policy Auto and homeowners Since the close of XXXX. I was under the impression my home owners had been paid by the escrow account. It hadn't. Bank of america had not sent a single check to them. 

Instead, now the payments I sent to XXXX that were intended for my auto flood and earthquake ( 3rd party ) were being applied to also cover some of the homeowners insurance. Throwing off my payments. 

As a result of bank of america not sending out payment it has thrown off how my payments are being applied. In XXXX XXXX sent me a bill for pending cancelation of home owners which is when I became aware of the issue and informed bank of america. I submitted several times the homeowners insurance bill and it's now XX/XX/2021. They were aware since XX/XX/XXXX and I have have called several times since then. 

I told bank of america to send out a payment to XXXX for homeowners. It's still not done and I am risking cancelation of both policies because they are bundled. 

Bank of america keeps asking the same questions when I complain. They are not working on a resolution. It's frustrating since I pay on time every month on time.

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 2019-09-17
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I offered a settlement payment that was refused through a debt consolidation company called XXXX XXXX XXXX, they've declined all offers and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating. That had stopped for approximately 4-5 years now, all of a sudden on XXXX i received a text from Tower Loan in XXXX, MO. At the same time I received a notification of a hard hit inquiry on my credit report done by Tower Loan without my knowledge, authorization, and or approval. So i called the XXXX, MO office and asked why this was done. The office manager XXXX stated that he can do whatever he wants to do until the account is paid, he also stated that he'll do it every month. I told him that the account has been closed since XXXX of 2013 and that the account has been " charged off '' " written off '' proffit loss. He stated that he can do it this no matter what the account says, and that if it doesn't get taken care of then he'll put a lien on my mortgage title since my wife and i are now homeowners. I told him that myself and XXXX XXXX XXXX tried to make a deal and settle with Tower Loan, he responded " not my problem ''. He continued with the threat of me being sued and have a lien put on out home title and that hes starting the paperwork today ( XXXX ) and that he will have me served.

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 2021-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently viewed my credit report to find the inaccurate accounts reporting under my name. I dont know how these accounts were connected to my credit report and I never gave Equifax or XXXX XXXX any written consent to report anything on my consumer report, according to the FCRA no consent is a direct indication of identity theft. I did not open these accounts, THEY ARE CLOSED ACCOUNTS that match the attached identity theft report included. Please see attached supporting documents and affidavit. 
I am demanding deletion of the accounts below : XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Thank you, 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 non-monetary relief
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not make a hard inquiry with this company. This was fraud. I never authorized inquiry on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : WAKEFIELD AND ASSOCIATES {$440.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD AND ASSOCIATES {$440.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX reported to the credit bureaus that I had missed four payments which is not true. I made all the payments and XXXX reversed the payments each month and never contacted me to explain WHY! The only way I found out was when XXXX reposessed the vehicle, I have my car payments on Auto pay so there was no reason to Check if the payments were made after receiving a payment confirmation, after making the lump payment of {$1300.00} to XXXX I disputed their claim of non payment for those months to no avail. Please look into this matter for me. Thank you 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 2022-01-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I recently discovered I had a rewards check mailed out to me which I did not receive. I was not even aware that one was sent and so was not on the look out for it. This is the Costco Anywhere visa. My account shows I earned the rewards and if they sent me a certificate I am requesting a copy of the certificate as Costco has offered to honor that if I can show even a copy of it. I am unable to get CitiBank to render a copy or even one I can print out. I earned the reward so I need to be enabled to get it. Please help. I am not even asking them for a new certificate but a mere copy of the lost one. Can you help? Or, if it was returned, then the original certificate. I will accept a fair exchange in the amount of {$100.00}.

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 monetary relief
Consumer complaint received 2018-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/XXXX I obtained a credit report from all 3 credit Bureaus and seen a negative item reported by Kohl 's on XX/XX/XXXX. The negative item is a 30 day late payment. I have been a loyal customer of Kohl 's since XX/XX/XXXX and Never missed a payment. I have attempted to fix this with Kohl 's, but still appears on my credit reports affecting my fico scores across the board. I have asked Kohl 's to re check the History. The history shows I have been a very responsible customer paying on time. I have asked Kohl 's as a goodwill to please remove this negative report as it is damaging my consumer report and I am unable to get a good mortgage lender to give me a good rate. Mortgage lenders pointed out the fact of this Kohls negative mark.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MIDWEST RECOVERY SYSTEMS {$360.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity  theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS {$360.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Equifax has refuse to send me verification of a debt collector name XXXX XXXX that has been reporting on my credit report that account does not belong to me and i have no knowledge of that account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX XXXX me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost 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 2018-01-23
Company: PNC Bank N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 
During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX ask me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and PNC. 


2. PNC BANK- Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.

Company response to consumer: Closed with explanation