BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
OnXX/XX/2019, I deposited my cashier check that was wrote out to me in my business name, in the amount of XXXX. The check cleared on XX/XX/19. I stop at an atm got XXXX off and drove to the closet boa branch to get XXXX out of my account. I didn't have my phone so they could verify my account, even though I produce my I'd and debit card, I was told that I couldn't withdraw funds without my having my phone present. So when I got home I noticed that my account was locked, so the next day I went back to boa to straighten this matter and I had to go through a rigorous process. After 2 hours in the office they said they would call me after their review. I nevered heard back from them until 4 to 6 days later via mail, saying they had closed my business account and we're investigating my deposit. I tried reaching the right department numerous of time but keep getting the run around and being placed on hold for 30 to 40 mins a time. It's been 2 months now and I still haven't received my funds in the amount of XXXX dollars

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 2019-11-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email from XXXX XXXX on XX/XX/2019 for their American Express card. The promotion that was offered was XXXX bonus points after spending {$1000.00} in first 3 months and 0 % Intro APR for 12 months. I received the bonus points but not the intro APR. I contacted American Express on XX/XX/2019. I was told they would investigate and for me to call back in 2 months. I called on XX/XX/2019 and was told again it wasn't a valid offer. The guy had me email him and his supervisor the email I received. He filed an appeal which also was denied. He called me on XX/XX/2019 and said him and his supervisor would still be working on it and he would get back to me. I haven't heard from him since. I also contacted XXXX via email and was told they don't offer any such promotions. I would like for American Express to honor the promotion that was offered to XXXX XXXX members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, 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:
I found discrepancies on my credit report regarding late payments to my XXXX  XXXX account ending in XXXX. I provided proof and dispute with company and credit bureau and No change has come despite providing the proof that payments were made. Something needs to be done in regards to making the corrections As stated, Upon reviewing my credit report, I found discrepancies on my XXXX XXXXXXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. Last attempt before having to seek Legal Counsel and filing a compliant with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage loan # XXXX with XXXX XXXX XXXX. Is the XXXX note subject to the same settlement and remidies as the XXXX note, ordered by the Department of Justice?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: I.C. System, Inc.
State: GA
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:
I have never had an an account with this company nor have I had an account with the company XXXX XXXX not now and not ever. This account was opened due to fraud and needs to be removed immediately. Credit bureaus all have been sent a police report.

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 2018-02-08
Company: SUNTRUST BANKS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I knew I was going to have reduced income so in XX/XX/XXXX, I applied for a reverse mortgage with Open Mortgage. I was approved, but there were a couple of hurdles, including a judgment by my mortgage holder in addition to my mortgage - I had sued them for refusal to abide by a loan mitigation agreement. 

SunTrust entered into a stipulation with HAMP over predatory lender practices in XXXX. In XXXX, HAMP sent me a check for over {$18000.00} and sent my wife 's estate a check for over {$18000.00}. HAMP also arranged to release the second mortgage worth {$60000.00} and a reduction in the first mortgage of interest and penalties. Unfortunately, the settlement came after I had already sued SunTrust for the very things SunTrust later paid in damages. 

I wrote to SunTrust Mortgage in early XXXX to resolve the issues and at the same time Open Mortgage tried contacting SunTrust Mortgage to get a pay-off. Neither of us were successful. Finally, in late XXXX I got someone to call me back with a pay-off on the mortgage, but they could not help me with the judgment so he passed me on to someone else. I made a written offer to resolve both the pay-off of the mortgage and payment of the mortgage. The woman i talked to on the judgment got the judgment reduced, but could not tell me how long the offer was open, would not put the offer in writing and advised me she could not concluded an agreement for the mortgage and the judgment. She was unaware of the alternatives I had offered over a month prior too and said she had no authority of negotiate, but also refused to hand me off to someone who could help with both issues. 

I have been waiting months to get this resolved, and have not got any cooperation from my lender. SunTrust 's delay has put my reverse mortgage in jeopardy. I have advised them of this, but still nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail from Citibank stating that I had applied for a credit card, which I did not. Further, I received an alert from XXXX that " CBNA '' had pulled my credit report, which I am assuming was due to the same fraud. This is obviously fraudulent and identity theft. I contacted XXXX and they require a report to remove the inquiry. I also contacted Citibank  and submitted the fraud.

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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a follow up from XX/XX/2021 from the initial complaint made by me consumer and the natural person which was delivered certified mail tracking number XXXX which was delivered XX/XX/2021, and as of XX/XX/2021 Transunion still hasn't resolved this situation and is in violation of federally protected consumer laws pursuant 15 usc 1692 and are now criminally and civilly liable. ive sent an notarized follow up affidavit of truth stating fact under penalty of perjury via certified mail tracking number XXXX which ive attached also and if they still do not resolve i will be seeking legal suit

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 2020-05-28
Company: EQUIFAX, 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:
These accounts are not mine nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are not mine nor did I authorize these companies to run my credit. Please remove 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 explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-10-07
Company: EQUIFAX, INC.
State: FL
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 sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First National Bank held and serviced my home mortgage until XX/XX/2019. On this date, the loan was satisfied and transferred to XXXX XXXX/XXXX. ( They use XXXX as their servicer. ) Despite this, First National continued to use ACH withdrawal to debit my account two additional ( and unauthorized ) times : XX/XX/2019 XXXX XX/XX/2019 XXXX I discovered these unauthorized withdrawals only after studying my checking account in XXXX. When I called First National, I learned that they sent these payments along to the new mortgage co ( XXXX/XXXX ). I was not notified of these decisions or actions. Furtner, they did this despite also having provided my ACH information to XXXX/XXXX without my knowledge or permission. I spoke directly to 3 FNB reps ( not including anyone they consulted during the course of our conversation ) ; they admitted no error and offered no help other than I should call XXXX. 

After speaking with the very helpful and knowledgeable rep at XXXX/XXXX, I called XXXX back to request that they get the money back from XXXX and put it back into my account as they are legally obligated to do. They were not helpful nor polite. After being on hold for a long time, I was advised that a supervisor was researching it and would give me a call back. As of this writing, that call back has not happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received my free annual credit reports. On XXXX and Experian, my name is incorrectly reported. It is misspelled. I tried to open a dispute on-line but this didn't work and I had to call the credit company. The credit company, Experian, told me I had to have the bank fix the error. I recently tried to refinance my mortgage with XXXX  XXXX XXXX and had a terrible experience. XXXX   refunded my fees, but now I have to ask them to correct my name on my credit report? This seems very unfair as the relationship with XXXX is poor due to the refinance experience. Please help me to remove the misspelled names from my credit reports. My name is XXXX XXXX XXXX, not 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 2020-01-23
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Navient Student loans - XX/XX/19 I submitted a request for refinancing and was able to login and submit my application. A confirmation email was sent to me saying that they would contact me when my new payment plan was ready. I have not received any correspondence from them giving me information on my new plan. In the meantime I received numerous collection calls from them. I have since not been able to access my online account as it says that my login information is wrong. I am not able to make calls at my place of employment during the day so I tried numerous times to email them but can not reach a working email. Now yesterday I received a letter saying they will be intercepting my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Americas Car-Mart, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2020 car was surrendered back to the used car lot bc I didn't have the {$1200.00}. They said it was only going to be XXXX but when I tried to pay that, it wouldn't accept anything but the XXXX. Spoke with XXXX the manager and told her that if I don't have the money the car would come back. The was returned on XX/XX/2020, along with note stating not to be contacted by their company. The have continued to contact me non-stop in a harassing manner 3-4 times a day and showing up at my workplace.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XX/XX/XXXX I was notified by CitiBank that they were lowering my credit limit. This action was taken over two weeks after I had significantly lowered my balance, which had been carried high due to pandemic related impacts and uncertainty. This had the effect of not only eliminating the credit limit space I had opened up with an eye towards improving my utilization score, they cut my limit under the amount of currently approved spending, immediately placing my account over the limit and beginning negative reporting to the three credit bureaus. I attempted over three weeks to contact them and request a delay to their action until the credit bureaus caught up with the payments that had been made in mid XXXX, and at a minimum to stop reporting an over limit negative condition until the review had been completed. The company refused to make any gesture to stopping the credit reputational damage they had caused, and would not agree to revisit or reconsider their decision any sooner than within 60 days. Based on their refusal to consider that acting on a credit report they KNEW, based on the substantial payment they had received the month prior, to have significant inaccuracies, I have chosen to wind down and end my relationship to prevent future bad acts.

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 2020-09-06
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notification on my credit report from Sequium Asset Solutions for XXXX dollars I didnt receive no letters or calls from said company The person who added the new account was XXXX XXXX the phone number is XXXX ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
I am trying to use the score boost on experian but run into a security issue while logging into my bank through experians website. this is incorrect as i am correctly entering all security information to allow access to my bank. when i call experian the automated system hangs up on me after it verifies my identity but refuses to all me to do anything besides report fraud or request a credit report. for something which drastically effects my life and well being as my credit score, id like to be able to talk to someone. now. it is incredibly ridiculous that you stomp on us consumers like this while turning a profit off our backs.

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 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XXXX XXXX XXXX has been attempting to collect {$620.00} on an account I closed over 7 years ago with Capital One with a XXXX balance. The card was a secured card and the deposit was used to close out the account. In XX/XX/XXXX I expressed my frustration with the original creditor, Capital One, and they agreed with me and gave me a new credit card account! For the past 4 years, however, I have repeatedly disputed the previous account with XXXX XXXX and they have not been able to provide me with substantial docs necessary to substantiate the debt. 

On XX/XX/XXXX I filed a formal complaint with the IL XXXX XXXX XXXX XXXX regarding this matter. I was told that per law XXXX XXXX is to provide the following docs to me in writing. 

1. Original Contract between me and Capital One 2. Payoff disclosure provided at the time I opened the account 3. Interest rate disclosure 4. Balance history 5. Payment history 6. Credit insurance disclosure I have requested these items from XXXX XXXX and they have refused to provide them. I demand that PER LAW they either provide these docs or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.XXXX XXXX  XXXX {$1700.00} XXXX  XXXX XXXX {$120.00}

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