BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Bread Financial Holdings, Inc.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This is a follow up to complaint XXXX CFPB closed the complaint after the company refused to open an account for me and refused to tell me why other than unspecified " irregular activity and/or security concerns. '' Clearly these aren't real concerns. If they were real, they would tell you or me what they are. I have a right to know if someone believes I've done anything wrong. If it's based on a faulty credit report, I can get that corrected. If it's based on defamation, I can take civil action. 

Most likely, the bank simply failed to do its job and made up a reason. The fact that they used " and/or '' tells you it's a form response and not a specific answer. 

I want a specific answer. And if they won't tell me, they should tell you. 

Why wouldn't they open the account? 

What " irregular activity '' do they think they know about? What was it? What was their source for it? 

What " security concerns '' did they have? What was it based on? Did someone on the dark web have my name and password. What is it? 

If someone has committed identity theft on me, I have a right to know about it, so I can report criminal activity to the proper authorities. 

As it is, the bank simply refuses to open an account for me and refuses to say why. 

I also want to know if they are taking retaliatory action based on my complaint with you, the CFPB. 

I did call them several times and warned them I would file the complaint with you if they wouldn't tell me why they wouldn't open the account. 

Doesn't he CFPB have power to require the bank to either open the account or tell me why they won't? 

Please do not close this complaint unless and until the bank answers with specifics as to what's going on here. If my financial standing is in jeopardy, I want to know why. If there is some false record about me in some secret file, I want to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: E*TRADE BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a few charges from XXXX on my ATM and Etrade put a block on my checking account. I called them to let them know that I made those charges and that they were not fraudulent after I received an email that my account had been blocked. I have spent literally XXXX hours on the phone with them today and they never resolve my problem. When I asked for the account to be closed, once they said it couldn't be closed at this time ad XXXX other times they just hung up on me. I have literally waited on hold for an hour at a time, without any resolution. I have asked to speak with a supervisor numerous times and none was provided. They are sitting on my {$8000.00} without me having any access to my funds or without any resolution. I have done business with Etrade, for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: MA
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:
Requested Equifax, XXXX and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form XXXX show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached Equifax credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX  and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. CAN'T SAY THE SAME ABOUT TRANSUNION. I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.

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 2022-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I ran my credit report and noticed Portfolio Recovery Associates is on my report twice. One account number is for the amount of {$1200.00}. I contacted Portfolio Recovery Associates by mail on XX/XX/2022 requesting validation of debt. They sent two statements with an incorrect address on the statements. I have contacted them 3 more times for more information, including the original signed contract with XXXX XXXX. The letters were sent XX/XX/2022, XX/XX/2022, XX/XX/2022 and finally XX/XX/2022. They have failed to send this repeatedly and is still reporting on my credit report. They continue to only send a few months of statements with a business address on it that I never received mail at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: ME
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 paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.

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 2021-11-09
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During XX/XX/XXXX, requested COVID help and applied to Mr. Cooper for a loan modification. Also, asked Mr. Cooper mortgage rep to remove unauthorized ESQ XXXX XXXX XXXX XXXX name from my mortgage statements. In which XXXX without my consent added his name & address to my mortgage statements from XXXX until PRESENT. 
On many many occasions I have asked XXXX XXXX to update fo my home address MD. After XXXX stop accepting my calls asked Mr. Cooper rep to 3-way in which in the phone call said he no longer represent me. So far, a stall & no modification yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX I sent a 2nd certified mail to the company with colored photo copies of my untility bill less than ( 45 days ), Unexpired Passport ID and SSN card challenging the errors and violations and mistake of identity of my name. To date, I received no response and no actions taken. Am patient but now it is way way too long.

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 2020-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied on line for low interest refinancing about 6 - 8 weeks ago with Wells Home Mortgage loan. Soon, someone from the Loan office contact me by phone and took the application by phone. Te conversation was recorded by Wells Fargo. 

Wells Fargo was supposed to get back to me for further review and process the Refinancing process. 

Since then, no one from Wells Fargo has not contacted me. I even trired to refinance for with low interest rate with XXXX XXXX and XXXX XXXX companies. Wells Fargo declined to provide those companies the correct information. 

Currently, Wells Fargo charges me 3.85 % per annum. Wells Fargo want to keep me at this interest rate for it's own good. 

Wells Faro is a XXXX mortgage company who dwells on XXXX people to charge higher interest rate. 

Wells Fargo is operated by White, XXXX, XXXX XXXX Executives who have XXXX XXXX. GOP ear. Wells Fargo should be revoked from practicing in the " Great State of Maryland. '' and their License should be revoked. 

I suggest the Management should be hamulated, Lynched and evicted form Maryland. Three is no place for racism. 

Wells Fargo is run by XXXX XXXX, XXXX XXXX. 

XXXX Lives Matter

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 2022-08-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited my first paycheck from my new employer. It was a paper check due to the company electing to complete a direct deposit verification with the account information prior to sending the funds to the incorrect account. I went to the drive-up teller window of my local Bank of America branch and made my deposit. I was informed that the funds would be available on XX/XX/2022. Some time later, based on my online transaction listing, a hold was put in place on my paycheck until XX/XX/2022. The amount was not over {$5000.00} which, to me, is an understandable amount to be concerned about given a high amount like that had not been deposited before. I attempted first to address the situation with Bank of America. The representative was informative and explained there was a hold and gave general reasons as to why it occurred when the teller stated that it would be available the next day. I then called the issuing bank of the paycheck and they confirmed that they already paid the check and there are now flags for returning the funds. I then called Bank of America again to complain and ask for help to get some sort of resolution or meet in the middle regarding this matter since the issuing bank has confirmed they have paid the amount. I asked if the bank could be contacted or the ACH be verified that the money was there. The three levels of support that I contacted kept repeating the same script and emphasized that there is nothing they are going to do to help this situation. I stated that it is causing financial, mental, and marital stress that there is no help occurring and all that was stated was an apology and nothing will be done. I then asked about automatic payments that I have coming to my account and how will these for sure bank overdraft fees will be handled. The second tier supervisor relayed that I will be responsible for those fees which will be taken out of that money once it is released. I complained that it did not make sense since they are holding the funds are not willing to help sort out that the funds truly are available from a PAYROLL check. There are no other phone numbers available for BofA to just file a complaint so I am adding it here for hopeful resolution for others because by the time this is addressed it will be too late.

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 2017-10-26
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have a American Express Prepaid Card. On Monday, XX/XX/XXXX, I received an email from American Express that as of XXXX XXXX they were ending the American Express Prepaid Cards and that to have all monies used up by XXXX or they will send the balance to you in a check. I am fine with that part, however, they ended direct deposits to the Prepaid Cards, immediately. That is where I have the complaint. My direct deposit was set to deposit on the card on Tuesday, XXXX XXXX. It took me XXXX days to find out where my direct deposit was. It would seem like to me American Express would give you time to close out your direct deposit and setup up another direct deposit somewhere else. They did not to do that. This should not be allowed under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: CITIBANK, N.A.
State: FL
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 customer service

Complaint:
Filed a City credit card dispute re {$65.00} charge for an unsatisfactory XXXX XXXX XXXX service XXXX Disputed the charge with my Citi credit card online -but I had no scanner to send them all the additional documents in time, and my internet was cut for 2 months since I was in the hospital due to covid related respiratory problems, I was 1 month late to submit doc requested by citi card dispute service deadline of XXXX The dispute was denied due to late documentation-and Citi threaten me to send my acc to collection even is in good standing? Unnecessary cruelty? 
attached In the same time City customer service sent me a letter to confirm I am eligible for assistance? I asked assistance to waiver of the deadline to send my doc but they refused me.I appealed this decision but refused again.Where is the promised assistance? I did not asked for any money or later payments. 
Why the Dispute department is not aware I am qualified for assistance and they are insensitive maybe too lazy to contact the merchant in an attempt to protect abusive businesses and hurt customers after the promised " assistance ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to Covid19 and Covid19 unemployment, I am unable to pay my monthly payments on the account. Prior to defaulted on my accounts, I requested deferred payments, but I was informed that Citibank didn't have any additional payment options for my account. Most of the representatives that I spoke ( online chat ) to were deceitful in attempting to get me to agree to a payment option with the understanding that I didn't have the income to pay the full amount. I expressed that my unemployment wasn't enough to pay for my monthly living cost. Therefore, it would be impossible to pay $ XXXX monthly for both accounts.

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 2017-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please

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 2022-04-01
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a new XXXX XXXX through Hyundai Motor Finance ( Hyundai Capital America ) from a dealership in Pennsylvania, and am investigating my options to trade in the leased car at another manufacturer 's dealership. Part of the information I need when negotiating is an accurate payoff amount for my lease. I called Hyundai Motor Finance at XXXX to request this number, but was told by a floor supervisor in the Texas call center that they are not licensed in Pennsylvania to sell a lease vehicle to the leasee, only to a dealership. This part I understand. What I do n't understand is that she then told me that it is both Hyundai policy, and they are not allowed by law, to give the payoff amount to the leasee, but can only give that value to a licensed dealership. This puts me at the disadvantage of trusting a dealership that they have given me the correct payoff. I believe that even though I may not be able to buyout the lease myself, I should be able to learn the payoff for my own lease. I was told that if I wanted more legal information I should contact their legal department. I asked to speak to her supervisor but was told that none was available, and that he would call me back within " 72 business hours '' which I understood to be 9 business days. This is apparently happening to everyone in Pennsylvania that leases a XXXX from Hyundai Motor Finance who want 's to know their payoff. Are they correct that I have no right to this information about my own lease?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: DISCOVER BANK
State: GA
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 do NOT have a signed contract nor any contract with Discover. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

Company response to consumer: Closed with non-monetary relief