BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-25
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Mr Cooper credited my account {$600.00} in what was later described as " mistransfered funds from another customer. '' I was late on a payment that month and assumed that the {$600.00} payment came from my escrow account because in the same month, my escrow was increased. I paid the rest of what was due and went on not thinking anything else about it because Mr Cooper failed to inform me of THEIR mistake. I'd also like to point out that it's hard to believe that another customer went almost 4 months without raising concerns to Mr Cooper about where their {$600.00} went. 

Fast forward to XX/XX/XXXX, I get a call from Mr Cooper asking why my payment is late. I thought this was odd  because I made a payment in full on the XXXX of this month. For whatever reason, the payment was reversed by Mr Cooper but never made it back into my bank account. My statement shows a payment was processed in full on XX/XX/XXXX. Going to back to my Mr Cooper account, it shows I OWE a balance of {$610.00} ; {$11.00} of which is a LATE FEE. 

Mr Cooper made a mistake, didn't catch it, and didn't inform me of their mistake when they caught it FOUR MONTHS LATER. They charged me for the {$600.00} that they mistakenly transferred to my account then proceeded to charge me a late fee and call me to ask why I haven't paid my mortgage on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new BMO Harris account on XX/XX/XXXX using a promotion to receive a {$200.00} bonus after making at least 2 direct deposits of {$300.00}. 

I had payroll deposits from my employer ( XXXX XXXX ) three times for {$500.00} each. 

After waiting the 120 days required, I never received the promotional sign up bonus.

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 2021-08-05
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : US COLLECTIONS WEST IN Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loandepot.com ran my credit with out my permission. When I asked them to remove the hard pull from my credit report they refused. I ask to file a complaint about the loan officer who pull my credit with out my permission they told me I could not. The NMLS of the person who pulled my credit is XXXX, XXXX XXXX. The company 's NMLS is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX my lease with Nissan ended ... A month after, Nissan sent me a final bill with a mileage and tax balance of {$3200.00}. Within a couple weeks, XXXX XXXX XXXX ( hired by Nissan ) began calling me to collect payment. Early XXXX I spoke with XXXX XXXX XXXX and Nissan to get confirmation that I can pay XXXX XXXX XXXX directly for my Nissan bill, Nissan approved because the bill was in collection with XXXX XXXX XXXX. After speaking to XXXX again, the option was presented to SETTLE IN FULL for {$1900.00}. I immediately called Nissan to re-confirm ( they record calls, please feel free to check ) that I could pal XXXX and NOT get any negative marks of my credit report. They said if I am agreeing to SETTLE IN FULL, that no negative marks would be placed on my credit report. On XX/XX/XXXX I paid XXXX in the amount of {$1900.00} to SETTLE IN FULL ( I have the settlement letter ).  On XX/XX/XXXX I received a statement from Nissan requesting the remaining balance left after paying the {$1900.00}. Nissan told me to disregard the bill since I settled in full. XX/XX/XXXX, I get an " N '' ( negative remark ) on my credit report from Nissan, as if I had not paid them or I still owed a balance. I contacted them and they placed me on the phone with several people who were clueless to why anything negative was attached to my credit report and nothing has been done. At the time, I was in the process of refinancing my home, and could not because of the immediate and drastic drop in my credit score. Please assist! 
XXXX Acct # XXXX / Nissan Acct # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Experian Information Solutions Inc.
State: TN
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 reached out to XXXX XXXX XXXX multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.

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 2022-08-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for credit card for a retail store called Brandsmart on XX/XX/2022. The bank issuing the credit card was Synchrony Bank. During the application process, they had demanded my phone number to verify my identity. I have never been asked this to verify my identity. 

Although, I found it odd, I provided my phone number. I was then to receive a text message but my phone had died. They then said to submit an alternate method for verification using the bank 's website and I did.

Despite having a high credit score, I was ultimately denied and advised I would receive a letter regarding the reason for the denial. I was advised a hard pull of my credit was performed. I requested a copy of the credit report and score as is required. The bank refused to provide it to me.

The purpose of my compliant at this time is with respect to the bank 's refusal to provide me with a copy of my credit report and score that was pulled by them during the application process.

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 2019-06-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In the fall of XXXX I closed out my account with Best Buy. I sent in what I thought was the balance. I was wrong. Here 's the thing. I did not find out until recently when I went to apply for a loan. It showed I had no payment to Best Buy / citi since that time. I NEVER received a call, email, or letter stating I owed anything during the ENTIRE time since I sent payment. 

Upon calling card services ( multiple times to include today XX/XX/XXXX ), they tell me my only recourse is to pay the balance but they can do nothing to remove the charge of or fix my credit issue. THIS IS THE ONLY DING ON MY CREDIT REPORT! 

I believe the original amount shorted was about {$250.00} which I would be glad to pay, but again the CC phone center people stated it has to be the full amount, and they can't help. They also say I can send a letter, but there is no email or phone number for contact to resolve this! 

This is unacceptable to say the least. I need help so I can resolve this. It is completely unfair that I was NEVER contacted, have to pay more than owed ( which I would have gladly paid! ), and now have to pay double!

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 2018-02-01
Company: SYNCHRONY FINANCIAL
State: KS
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 would like to make a complaint on SYNCB/WALMART with an address of XXXX. XXXX XXXX XXXX Florida XXXX and an alleged balance of {$0.00}. This account violates K.S.A. 60-512 ( 1 ) and FCRA Section 605 XXXX c ) Re-aging the account. They have already sold this account to a debt collector and are failing to report it accurately. This account needs deleted under title 15 u.s.c. 1681 ( i ) and they have violated the FCRA and FDCPA according to the following codes. Kansas only allows five years to report for a written contract and this account was closed on XX/XX/XXXX and this account should have been DELETED on XX/XX/XXXX. 
1. FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by reporting negative information and this is a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX XXXX, NO. XXXX, XXXX XXXX. XXXX XXXX. 
Please investigate Syncb/wal-mart why they are reporting negative information with a balance after fiver years which is inaccurate and unverifiable information and needs to be deleted under title 15 u.s.c. 1681 ( i ). There are also now monetary damages issues concerning the negative reporting and the violations and fines of the FCRA and FDCPA which total {$1000.00} plus the extent of damages incurred by the wronged party as deemed by the courts for number 2.

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 2019-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2019 I was making airline reservations and saw the ad to open an XXXX XXXX. I filled out the application online ; however, noticed when I got to the terms that there was a XXXX XXXX yearly fee. I did not check off the box to agree to their terms and closed the application. Later I received an email that led me to believe the application still went through, which was later confirmed by receiving letter/card via XXXX XXXX. I again read the terms to verify and did NOT activate my card. I called Bank of America and advised of situation and asked they close the card. 

It should be noted that 100 percent of the time when opening a credit line online the terms MUST be agreed to by checking off a box or entering a code. Failure to do so will not allow the application to go through. This has always been my experience ; therefore, I have always believed this to be part of the application process. Why have a section about agreeing to the terms, if this is not part of applying for a credit line. XXXX disagrees with me and said that by my filling out the application, I agreed to the terms whether I checked the box or not. I think this is misleading, as well as deceptive.

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 2019-06-25
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am going through a lay off due to workforce reduction.I spoke to Majestic Financial to try and consolidate my payments monthly. I told them that their wont be no more direct deposits going into my account. Still did not want to help me with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted our lender over three months ago to try and resolve issue of delinquent real estate taxes that should have been disbursed from our escrow. Have called numerous times for updates and still have had absolutely no resolution.

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 2021-11-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. 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 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an on going complaint about an employee named, XXXX. I thought going to the XXXX would resolve issues. After all XXXX was controlling his clenched fist from punching me. The General Manager at the time was an old hang named XXXX. I text led her what XXXX was all about and her reply.., I trained with XXXX. Hes excellent and polished. There will not be any negative actions brought to his attention. Bye now, you will leave now. XXXX even went two steps further and called the XXXX police and had a restraining order put on me. Had Bank of America security team ban me from all BofA locations in the USA. And just to be a royal pain in my XXXX. She said I was threatening her along with harassment??? IM NOT THE XXXX  XXXX  THAT SWEARS SHE IS STILL XXXX. Please woman your pushing your XXXX! Easily! I had to get a new bank cause my checking account was immediately closed and guarded heavily as to give a reason why? Oh my goodness XXXX I called you a bad name. Even the cop chuckled!

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 2020-04-29
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/2020 from Citi indicating they decided to close my account. No reason was provided other than a " review '' of my account. I have had this account for about a decade and have used this account to direct deposit a portion of my paycheck every two weeks. So, the company has followed me for a number of years and knows my addresses and employers. I am not a new customer ... I have a long history with Citi including my employers. I was provided Reference number XXXX. I immediately sent a letter to Citi ( and have since sent three more letters ) asking for a reason for the closure but they have not replied. The letters were addressed to the mailing address at the top of the XX/XX/2020 letter as well as a XXXX XXXX customer service address. The timing of this closure is particularly problematic -- the heart of a global pandemic. My company 's HR department is working from home so it was difficult to redirect my direct deposit. Given my long-standing relationship with Citi ( over 25 years with credit cards and checking/savings accounts ), I am shocked they closed these accounts with no reason provided.

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 2019-06-25
Company: Butler and Associates, PA
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just was informed of a garnishment of wages for a bad check that was written in XXXX for {$25.00}. I'm almost certain this debt was already paid, but am having a difficult time proving that as the debt was passed around multiple times and the last communication that was sent was more than 10 years ago. My issue is the following : If the law only requires a debt collector to send notice to a last known address, should that not have been addressed or updated once they found my place of employment in another state on the opposite side of the country? Common sense tells me that if they can find out where I work to garnish wages 15 years after the fact, they could then find me to notify me of said debt before proceeding with a garnishment. Their last known address was an address in XXXX, XXXX, where I have not lived since XXXX. I have resided in XXXX, XXXX  since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have inclosed a letter explaining our long drawn out frustrations with Wells Fargo. 
I am submitting Documents and receipts showing our cost of what it took us to complete our process on removing PMI on our mortgage. Before COVID-19 and up until now I have made numerous calls to Wells Fargo Representatives whom claim they are here for us through letters they send us. Every time I call and leave V.M. 's I have yet to recieve a call back. No response. One of the representatives ( XXXX XXXX XXXX ) called and said she could not help us and we need to go through someone else. XXXX was very nice, she just was not there for us as stated that she would be in letter she sent us. Wells Fargo has continued to lie to us and misrepresent us. No one at Wells Fargo wants to take responsibility.

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 2020-04-29
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I noticed on my credit report my American Express card was closed. I had a {$25000.00} credit limit with them, the highest of all my cards, so I noticed because my available credit being much lower than normal. This is how I was alerted my card was closed. I contacted American Express last week and was told it was closed to do inactivity. I get it, i hadn't used it in quite some time, but they didn't give me any warning. The guy I spoke with say they could reinstate my card because that it wasn't closed because of anything i did wrong. He said they would send me a new card in the mail. Since, my score has dropped a little ( XXXX now, was above XXXX ). I got a letter in the mail saying they couldn't reinstate my card because my credit score dropped. Again, it dropped because of THEM. I was just hoping they would open my card and my life would go back to normal. I tried reaching out to someone last night and they said i had to call account services today. I talked to three different people, kept being told i was at the wrong department until i got a woman who said i was sent a letter XX/XX/XXXX via my email that they were closing my account due to my credit score! I don't have this email in my records. She patched me over to a guy who said it wasn't an email, but a letter mailed out XX/XX/XXXX that says they're closing my account due to my score. That isn't what happened. XX/XX/XXXX was the letter i received that they couldn't reinstate my account -- not that they were closing my account. I asked him why they would just up and close my account and they said they could do that at any point to anyone. I asked what would have happened if i had a balance and he said they reserve the right to close the account at any time making the complete balance due at that time. THIS IS INSANE. I can not believe they would do such a thing to their consumers. I have never missed a payment with them! I can't believe now, more than ever during a pandemic that they would do this! I am speechless. I don't even want my card reinstated, i will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: MT
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 don't have a XXXX XXXX. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Express Recovery services is still reporting and attempting to collect on a debt that was covered under insurance. I have been in the military serving our country for more than 15 years. We have amazing insurance with no deductible or co-payment. XXXX has advised us multiple times that they have taken care of this and it should have never been sent to collections.
Also this debt is from 2010 and we have never made a payment. It is past the statute of limitations in the state of Utah. This debt is not valid and we do not owe it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation