BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a joint account with my nephew at the Bank of America in CT. My nephew has a joint account with his brother also at the Bank of America at the same  location. 

On or about XXXX XXXX, XXXX, my nephews went to the Bank of America to close their account. Bank of America personnel mistakenly wrote the withdrawal slip using my account number and passed the withdrawal slip to my nephew to sign. He did so without verifying the account number on the slip. As a result, XXXX XXXX XXXX XXXX XXXX DOLLARS AND XXXX CENTS ( {$8900.00} ), was mistakenly taken out of my account. 

I had been on vacation. When I returned and saw the withdrawal on my bank statement, I went to the Bank of America on or about XXXX XXXX, XXXX. They explained that the Bank of America had found their mistake of taking the money out of my account to close the joint account my nephews had together, and added that they had credited the amount taken out. On closer inspection, I noticed that the entire withdrawal had not been credited. The Bank of America had shorted me XXXX DOLLARS AND XXXX CENTS ( {$93.00} ). I asked for the Bank of America to make me whole, including interest. I told them I realized that all human beings make mistakes, but that I felt that the Bank of America should make me whole. The lady I spoke to said that she was going to put in a report for investigation. 

On or about XXXX XXXX, XXXX, a man from the Bank of America called to verity the information I had given the bank. He later called me back and told me that I should contact my nephew to get the {$93.00} from him. I disagreed and voiced my dissatisfaction with the decision made by the Bank of America. 

I understand that my nephew signed the withdrawal slip written out by Bank of America personnel without verifying the account number. However, once the Bank of America realized that the wrong account number had been targeted for closure and accessed withdrawing a substantial amount of money from this account, the Bank of America should not have penalized my account, by keeping {$93.00} and returning the rest. I have no understanding and no knowledge of what the Bank of America did with the {$93.00}. My nephews went to the Bank of America to close their account whose number I am not privy to. And, as far as I know, no one has given the Bank of America permission to withdraw and use money from my account for any purpose connected with my nephews ' account. 

I am asking to be made whole by the Bank of America and that my account be fully restored.

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I notice fraudulent transaction on my bank account. I search for my bank debit card and realized that it was lost. 
I reported the unauthorized transactions to the bank. The bank send a letter saying the transactions were authorized without providing any proof to how they came to the conclusion. 
when I open an acount with bank ( Bank of America ), I was told that I'm not responsible for any fraudulent transactions.

Fraud involving an AT
M or debit card is covered by the Electronic Fund Transfer Act ( EFTA ). A consumer is not responsible for any charges made on an ATM or debit card if he or she reports it lost or stolen.

It's a fraudulent charge and I want my money back. 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 monetary relief
Consumer complaint received 2022-10-08
Company: Upstart Holdings, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Refinanced my car through Upstart in XXXX of 2022. Had to send my title in from previous finance company. It is now 5 months later and still no title. Reached out multiple times regarding this. Last contact was told title was released to the XXXX on XX/XX/XXXX. Titles in my state come in the mail within 7 days. Purchases a car for my son and registered in XXXX, recieived it in 7 days. I have reached out 3 more times in the past month and Upstart ignores contact without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2021-06-25
Company: FIRST ADVANTAGE CORPORATION
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wanted two birth certificates from vital Chek.In XXXX of 2020 paid {$67.00} and never received the documents.Since the documents were urgently needed I ordered them again in XX/XX/2020 this time I paid $ XXXX no documents and no refund from payment in XXXX and XXXX vital Chek via phone or email is a waste of time ( No Answer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: NV
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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 2020-08-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied to refinance my home mortgage in XXXX of XXXX. After waiting about a month for Sun Trust to contact me, I re-contacted them and explained that I was interested in refinancing 2 loans on my primary residence - XXXX XXXX XXXX. Both are with Suntrust, and I have done business with Suntrust for over 15 years. Both mortgages are at approximately 6 %. 
I explained my situation to Suntrusts loan agent, XXXX XXXX. My oldest daughter is a rising senior, and if possible, I wanted to add a XXXX, XXXX home equity. That was not essential - the main thing was to refinance my 2 loans that Suntrust already held at a lower interest rate, as promised in multiple mailers I had received from Suntrust Mortgage. 
Instead, I was told I had to add a {$95000.00} loan associated with a rental property of mine. I also had to immediately complete my XXXX taxes by XX/XX/XXXX, ( this was in early XXXX ) even though the Federal deadline wasn't until XX/XX/XXXX. I was also contacted by the underwriter, XXXX XXXX, and provided all documents he requested as well. 
I was charged approximately {$490.00} in fees and almost immediately after my bank account was debited, I received a mail notice from Suntrust that I had been denied my refinance. I attempted to contact the phone number on the rejection notice and was placed in XXXX XXXX ' voicemail. My call was never returned. 
I feel that this was a complete bait and switch. I am a veteran and have paid both mortgages every month for the entire life of the loans. To withhold a refinance for a longtime loyal customer like myself is not just poor business, it is morally corrupt. I would like my fees returned - my home was never appraised, and my understanding that was a large portion of the fee.

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 2018-10-30
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX account for months. XXXX   and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX, 2018, I disputed a 30 day mortgage late inaccurately reported on all 3 credit reporting. The dispute resulted in the deletion of the 30 day late by all 3 credit reporting agencies. 

On XXXX XXXX the 30 day late was reinserted into my credit file by Trans Union only. From that date until XX/XX/XXXX, I was never informed in writing by the mortgage provider ( XXXX XXXX XXXX ) or the credit reporting agency of the reinsertion. On XX/XX/2018 I informed Trans Union of the reinsertion and subsequent non-notification. Trans Union subsequently removed the 30 day late for the 2nd time. 

On XX/XX/2018, Trans Union AGAIN reinserted the 30 day late into my credit file. On XX/XX/2018 I have not been informed in writing of the reinsertion by XXXX  XXXX XXXX XXXX Trans Union.

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 2020-05-26
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: GOLDMAN SACHS BANK USA
State: DE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I charged {$1400.00} to a Goldman Sachs Apple Card on XX/XX/XXXX in payment of six months of auto insurance premiums to XXXX. I canceled the policy at least 24 hours before it took affect XXXX because a much better offer came out of nowhere from another company. XXXX actually should never have charged me, but it did. This has been going on for over two months. XXXX claims to have returned the money to Goldman Sachs Bank or reversed the charges. Goldman Sachs Bank refuses to credit my account. I have been in touch with them numerous times by phone and through text support. I have all of those text records or all that my phone saves. Still, no money. GSs provisional credit is no credit at all. The Banks employees are masters of runaround and deceit. Im trying to get retired, but because of the pandemic my congregation and I agreed it would be better for all if I delayed my retirement. Had I been retired, {$1400.00} would be about 40 % of my monthly income. Suddenly Id have become one of those senior adults wondering how to pay rent. I dont know if this is an effort to scam a senior or just run of the mill thievery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked my XXXX banking app free credit report check and found that my score had dropped over 40 points. I then requested an official credit report from XXXX  and found that XXXX XXXX XXXX had created a new collection item on my credit report. This was my first time ever hearing about this. I never received a phone call. I never got a letter to my house ( XXXX XXXX XXXX, XXXX XXXX MI, XXXX ) which I recently moved into on XX/XX/XXXX. No communication came to me of this new collection entry on my credit report. The collection they are claiming I owe is a false claim and I would like to fix this inaccuracy. 

The collection claimed that my account # XXXX was from the original creditor " XXXX XXXX XXXX  ''. On XX/XX/XXXX, I called XXXX XXXX  and spoke with a representative. She confirmed that none of the accounts that were associated with my name had ANY outstanding payments or balance. In fact, she told me that my payment record was perfect. She also told me that both her and her supervisor had never heard of XXXX XXXX selling debt to XXXX XXXX XXXX 

I sent a letter to XXXX XXXX XXXX asking them to inform me of the exact details of the debt that they claimed that I owed. This had been suggested as the best course of action from many sources. 

Please let me know if you need any other information from me and I would be happy to give it to you with great haste. 

Here are the details of the collection entry found on my credit report. I claim that this information is not accurate or true : Account Name : XXXX XXXX XXXX  Account # : XXXX Original Creditor : XXXX XXXX XXXX Account Type : Factoring Company Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated : XX/XX/XXXX Balance : {$220.00} Balance Updated : XX/XX/XXXX Original Balance : {$220.00} Past Due Amount : {$220.00} Terms : 1 Month Responsibility : Individual Contact Information : XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Payment History : XX/XX/XXXX - Failed to Pay XX/XX/XXXX - Failed to Pay

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
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: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: DC
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:
Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, XXXX reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have had a private loan through XXXX College for a long time now. I started school bak in 2006 and since then I never found a job with the degree I obtain. I was told I would be placed in a XXXX and that never happen. I was told there was a law sue with XXXX college and that those that were lied to that there loans would be forgiven. I was with XXXX XXXX and then another company after that. Since then I was changed to Navient, who is a very hard company to work with and do n't want to help at all and do n't care to help. Since there are just here to collect the money they do n't care what went on with XXXX they just want there money. I currently owe over 97 thousand, and I am also currently in school right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: 21ST MORTGAGE CORP.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Of the course of the last two months I have been working with XXXX and 21st Mortgage Bank on getting s loan modification approved. I had to take out two loans to repair my home a year ago because during the first year of my mortgage 21st Mortgage made me use their insurance company and theres company would not pay for repairs to the home. I used my personal funds, I borrowed from family, and took out loan to save my home from falling apart. The company reimbursed me some of the funds after around a year in a half, however I still am making payments for those loans. XXXX rep advised me to miss one payment so I would qualify for their program for loan modifications. I told 21st Mortgage rep this as well. After, the payment was missed XXXX told me they dont work with 21st Mortgage and 21st said they dont do loan modifications. After speaking with XXXX again about me feeling lied to on XX/XX/2018 the representative got very rude with me and stated I dont even know why you are still having this conversation with me. 21st Mortgage manager claimed everyone does not know what XXXX is and they do not record their conversation and that Imam blaming them and XXXX for my issue and I have called both companies and told each company the name and what program I was doing for two months and neither knew about each other not working with one another. After basically screwing me over I am wrong? I want an apology and this to be investigated because some from both companies should have told me they did not work with each other from the beginning and I should not been told to miss a payment to qualify if they were not going to help me with my mortgage issue. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am concerned about the validity and accuracy of the recent investigation done by Experian.I requested for an investigation because the account XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE

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