BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Taxes and XXXX Insurance are held in escrow by Santander Bank. I had questions about the tax disbursements, specifically item XXXX for Mobile Homes and Utilities. I live in a condominium. Instead of answering the questions about the taxes, the Bank simply omitted payment of homeowner 's insurance.

The Declaration Renewal was sent to the bank as usual on XX/XX/2020. I assumed the delay in payment was because of the Pandemic. XXXX XXXX XXXX began informing me in XX/XX/2020 that payment was due in the amount of {$600.00} and suggested I pay a small portion in order to keep coverage. I did not agree and continued to call, email and write to Santander Bank with no resolution.

Is it possible that Santander can simply not pay the insurance without written notice to me or the insurance company?

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 2020-09-22
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:
XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX # XXXX XXXX, XXXX XXXX & Experian XXXX. XXXX  XXXX XXXX, TX XXXX RE : BANKRUPTCY ACCOUNT NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached document- these item numbers written next to the problem entries.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect  discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These fraudulent accounts do not belong to me XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: Nelnet, Inc.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been a full time enrolled student at XXXX University since XX/XX/2019. I applied for the grant and loans and was approved on XX/XX/XXXX. I was told I would recieve 2 seperate checks one in the amount of XXXX and another in the amount of XXXX within 10-12 weeksre from the date of being approved. However XX/XX/XXXX my 12 weeks will be up and I havent recieved anything yet. I keep contacting my sfa, and my ssa and everyone i can at the school but they tell me they are waiting on the department of education to release the funds to them then as soon as the get it I would recieve the rest in the above amounts for living expenses. I decided to contact the department of education financial aid and was told as you can see in the chat below that the funds was sent to XXXX XXXX college the next buisness day after they recieved it. According to the college they have not recieved anything yet. I just want straight answers and I am not getting them. I have talked with other students and most of them recieved theirs already within like 6 weeks and only 3 others besides myself havent recieved anything yet. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: BB&T CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I contacted the bank through the online secured email to request that my account be closed as I sold the vehicle I had financed through them and I do not reside in the area of the bank. I email stated that I needed to go into a branch or call the XXXX num. I call the XXXX num to close my account and they proceed to tell I need to go to the branch I open the account to close it. I live over 3,000 miles away from the nearest branch or I needed to find a way to get the balance to XXXX. Mine you I get charged XXXX for the balance under XXXX and you can not do external transfer for a small amount. I explained to them I never had this issue before closing an account as I move often for my job with the government.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
They ended up repossess in my vehicle, and I have to claim bankruptcy because I could not pay restitution on the vehicle

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 2020-09-22
Company: Experian Information Solutions Inc.
State: NC
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 used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXX-limit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent countless disputes ( over 2 years worth ) and when I get a response from Transunion stating verified they never show the steps as I have asked them to do so.

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 2020-09-22
Company: EQUIFAX, INC.
State: NC
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 used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXX-limit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
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:
Bank of America voluntarily closed my credit card ( my longest standing History credit account to date - 13yrs ) just after one mailed correspondence ( in XXXX ) to an address that I was no longer at. I move around the country and have changed my address numerous times but have never changed my email nor phone number, however, they decided not to contact me at either of those channels regarding such a serious topic. BofA gladly emails me all the time offering and soliciting products for sales, yet they do not inform me that they are about to ruin my credit score closing my longest history credit account ( as well, skew my credit utilization due to the reduction of my total credit limit ). After spending 2+ hours on the phone with multiple managers, one of whom deliberately and intentionally hung up on me and transferred me back to the main queue, they said that the 'policy ' went into effect last week that they can no longer re-open a closed account and there can not do anything. BofA effectively has given these managers zero authority to provide actual customer relationship banking services. This is a huge issue for me being a business and financial manager who advises clients on issues such as personal credit. Had I been informed that my account was going to be closed, I would have made a purchase on the account to keep it open. I do not believe that ONE mailed notification is sufficient correspondence regarding such a serious issue. What's more, the only reason I found this out was from a notification from my XXXX XXXX account asking if I closed this account, and when I opened the app it shows a remark saying that BofA noted that the Account [ was ] Closed by consumer. It most definitely NOT closed by me. All I am asking to have the account re-opened which I know they can do as an override as I have been with the bank since 1998. Can we please re-open this account and call it a day, otherwise, I will have lost faith in this banking system and the 'relationships ' that I have been sold. Please find it in your heart to re-open this account because we as US citizens are only judged by 3 numbers ( credit score ) and when I do not have the power to control this number because of a 'voluntary ' close on the institutions part, I am at the mercy and am powerless to control my future of purchasing a house or anything credit-related due to actions out of my control. 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 2018-05-08
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the court house in my state in regards to 2 separate bankruptcies on my credit report reference XXXX report date XX/XX/XXXX and also reference XXXX report date XX/XX/XXXX. They responded stating they dont verify bankruptcies. I submitted documentation to all 3 credit bureaus and was able to have the the bankruptcies removed from XXXX however Equifax and XXXX it is still reporting. These bankruptcies do not belong to me and should be removed from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 used to have a secured credit card account with XXXX XXXX, also known as XXXX XXXX. It was a $ XXXXlimit credit card, secured by my own {$200.00} security deposit. I had my monthly payments set up on auto-draft and had no problems with the account for a majority of the time. However recently, I had some problems with my checking account. So I contacted XXXX XXXX and made them aware of the problem, and asked for an alternative means of payment. Even though my due-date was approaching, they said that the only thing I could do was mail in a check or money order, and allow 10-15 days for processing. I told them it was fine, but to notate my account of this matter so my account would not report delinquent. Well despite my payment, they did report it late for XXXX. I have since sent XXXX XXXX full payment of the remaining balance, have requested this account closed immediately, and a full refund of my {$200.00} security deposit. It is completely unfair for XXXX XXXX to report accounts late, when no option is given for last-minute payments when issues arise.

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 2023-04-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  : I opened my account on XXXX XXXX XXXX. I didn't even start using my credit card until XXXX XXXX XXXX. My usage was suppose to be reported 29 days later to the credit bureaus however my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though I haven't even had a 1st payment due.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 10 DAYS LATER after opening up the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I did not receive a statement for XX/XX/2017 with Citi Cards. I sent in the payment without the statement, just the check. I am now being charged a {$35.00} late fee that they refuse to remove.

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 2021-01-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I previously submitted a complaint with CFPB on XX/XX/2020 and HSBC responded to the complaint on XX/XX/2020 by promising that the credit would be posted to my account within 4 weeks. After more than 2 months, the credit has still not been posted. My original complaint is copied below for reference. And HSBC 's previous response, which they never fulfilled, is also attached.

-- -- -- -- -- Original complaint follows >>>>>>>>>>>>>> I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have Reached out numerous of times in regards of this claim that have yet to get resolved. 

Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must be thoroughly investigated by the agency.

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 2019-11-04
Company: Premier Student Loan Center
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attempted to get my student loan in the forgiveness program with Premier Stundent Loan Center. I have  come to realize that my payments and service charges did not get applied to my FedLoan  account.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-25
Company: Performant Financial Corporation
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I filed a complaint with the Consumer Financial Protection Bereau in regards to a company calling me indicating I owed a XXXX XXXX debt that I never owed. I explained to them the only debt I owed to a XXXX XXXX account closed on XX/XX/XXXX was fully paid. They insisted that I still owed an amount. 
I then, filed a complaint, but CFPB was unable to send my complaint to the company for a response. The complaint number is XXXX. 
Today on XX/XX/XXXX, I received a letter from Premier Credit of North America LLC indicating again that I owed an amount to XXXX XXXX and I do not. This debt was already paid in full per agreements with XXXX XXXX XXXX. 

I am including the transation documentation for the debt I paid off with XXXX XXXX through XXXX XXXX XXXX back on XX/XX/XXXX. In addition an statement of my XXXX XXXX account which shows on all documents I am providing. 

In addition, I have all my credit reports which indicate this debt was paid and not such debt is outstanding on any of my three credit reports. 

This is a FRAUD of something trying to collect money on a debt that was paid in full.

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 2023-10-29
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : XXXX XXXX XXXX XXXX Open Date : XXXX, Amount : XXXX Account Number : XXXX Payment Status : Charge-Off / PAID CHARGE-OFF I am requesting the 1099 form from XXXX XXXX XXXX XXXX  and I requesting the Original Consumer Contract with my signature on it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( 5 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone could fax, mail, or email in fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) and a copy of the 1099 form from the account listed above. Under the FCRA, unverified accounts must be removed. 

Promptly DELETE all information if you are unable to provide me a copy of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My consumer report for checking accounts contains inaccurate information. I want a correction or update from the bank or credit union that provided the information.

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