BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-09
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a CITI mastercard after they bragged about offering a 21 month 0 % interest rate to roll other cards to. I have a XXXX FICO credit score that was just reported to me by a creditor, I have a card I wanted to roll to them with XXXX limit. They did not approve I called their number and it said because I filed bankruptucy, I have an old discharged bankruptucy that is not on my credit report and I have not been turned down for credit by anyone for this reason since it has been discharged for quite a few years now. The old bankruptucy was for medical bills and debts, not my home or car. I have even refinanced my mortgage without problems and leased 3 cars. I was told the bankruptucy was off my record after the discharge, which has been some years removed. I do not think this is fair if Citi Bank was able to get these records and I want to get an attorney. I applied for this card on XX/XX/XXXX and just found out XX/XX/XXXX when I called their XXXX XXXX and entered my SS #. I feel I was treated unfairly, I pay all my bills and have a XXXX FICO score and was just told that by a company this month who said I have excellent credit. I feel very frustrated and do not think CITI has the right to deny me for this old history. I do want to seek legal action against 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 non-monetary relief
Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Spoke to a condescending supervisor at Bank of America EMPLOYEE ID : XXXX and requested a fee removal of XXXX monthly maintenance. I recently had a discrepancy on which account will be closed. They wouldnt abide by waiving a fee. Im an elderly client and they wouldnt help with this fee removal. Please help me get this fee waived

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 2019-01-25
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In early XX/XX/2018 I contacted XXXX to find out what the bill was for. They advised it is an XXXX XXXX XXXX Bill. Ive contacted XXXX XXXX XXXX several times because I was billed a cancellation fee when i still had services. In XX/XX/2018 I entered an agreement with XXXX to pay any debts associated it them and another company. XXXX has continued to call despite the arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX AS OF XX/XX/XXXX MY HELOC HAD A XXXX BALANCE. ON XX/XX/XXXX I TOOK AN ADVANCE OF {$5000.00}, WHICH WAS PUT INTO AN ACCOUNT AT 4.25 % FIXED. 
ON XX/XX/XXXX I CALLED THE HELOC DEPARTMENT AND ASKED THEM IF I TAKE ANOTHER ADVANCE WOULD IT GO INTO THE 4.25 % ACCOUNT AND I WAS TOLD YES, SO I TOOK AN ADVANCE OF {$25000.00} BECAUSE THE RATE WAS LOWER THEN I WAS PAYING ON ANOTHER HELOC. I DID THE SAME ON XX/XX/XXXX & XX/XX/XXXX FOR A TOTAL OF {$38000.00}, WHEN THE STATEMENT CAME IN IT WAS AT A HIGHER RATE OF 5.48 %. I WOULD NOT HAVE BORROWED THE MONEY AT THE HIGHER RATE. I HAVE CALLED THE COMPANY NUMEROUS TIMES AND GONE TO A BRANCH TO NO AVAIL. THEY SAY THATS THE WAY IT IS TO BAD. 
I RECEIVED A CALL FROM A RESOLUTIONS DEPARTMENT THAT I HAVE CALLED BACK AND LEFT MESSAGES AT LEAST 10 TIMES TO NO AVAIL, VERY FRUSTRATING TO BE TOTALLY MISLEAD. I HAVE ALSO BEEN TOLD A SUPERVISOR WILL CALL, STILL WAITING, AGAIN VERY FRUSTRATING. 
THANK YOU FOR ANY HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my account was used to online and i dispute the claim and the bank is denied my claim when i file the police report still dont want to help me to get my money back to my account the amount XXXX iam a victim of identity theif i did not made this charge im requesting the charge need to put back to my account that any finance and other charges relates to the fraudulent amount be cretdited as well and that i receive an accurrate statement

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX & XXXX XXXX XXXX is saying I owe this debt, but I DO NOT owe it. 
I was victim of of identity of ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
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: Investigation took more than 30 days

Complaint:
I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My exhusband defaulted on his credit card with XXXX XXXX. 

When my divorce judgment was finalized and filed with the court in XX/XX/XXXX, I telephoned XXXX XXXX and requested that I be removed from what I believed was our joint credit card. XXXX reported to me that it was not a joint account, but I was a signer on the account, therefore I had no authority to remove my name from the account. 

The divorce judgment clearly gives my husband all XXXX accounts. I was a joint holder of a XXXX checking account and a savings account. In that I did not sign any document to remove my name from those accounts, it would be reasonable to conclude that my exhusband used the judgment to remove my name from the accounts, therefore, XXXX is aware that I am not an owner on the credit card and that the debt was awarded to my exhusband. XXXX has willfully and intentionally reported this bad credit on my report. 

I applied for a loan and due to XXXX 's reporting of over {$24000.00} in bad credit on my credit report, was denied a fair and appropriate loan.

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 2018-10-10
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I HAVE PAID MY CAR NOTES ON TIME EVERY MONTH THE LOAN COMPANY IS REPORTING 5 MONTSH OF DELINQUENCY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Guild Mortgage Company LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Borrower is comparing lenders and mortgage brokers. XXXX XXXX  in XXXX XXXX ( now named Guild Mortgage ) is incentivizing first time homebuyers with a {$2000.00} XXXX  XXXX gift card in order to attain new clients. Clear violation of exceeding allowable gifts to garner business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an XXXX account and called around XXXX of last year and settled my account because of divorce and they took it off my credit report and now portfolio company now says they have it now and it is back on my credit for XXXX and the account was XXXX? It is killing my credit? Please help me please I dont need anything else on my credit trying to pay off debt not get something taken off and then put back on again? Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Experian Information Solutions 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:
XXXX XXXX {$410.00} I've filed a dispute I believe it was fraud I didn't even live in the same state at that time I lived in California and it was an Arkansas that they were charging me for the light bill

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 2017-12-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bayview Home Loans LLC is trying to collect on a purported debt. Various sevicers, lawyers, and agents for purported lender/beneficiaries XXXX XXXX XXXX, XXXX. 
No valid transactions can be documented since the original purchase loan and the purported transfers and or sales of the disputed loan that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not verified or dealt with in good faith. While contesting the foreclosure initiated by XXXX for XXXX under the deceptive and possibly fraudulent identity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as trustee for the benefit of the certificateholders of the alternative loan trust XXXX mortgage pass through certificate, XXXX XXXX and their lawyers from XXXX XXXX XXXX XXXX, including atty XXXX XXXX, Esq, XXXX who may have misled the court as to the claims of XXXX and XXXX in a quiet title action and the current foreclosure action and counterclaim the purported loan was again transferred to Bayview Loan Servicing LLC. XXXX XXXX, Bayview and their agents and lawyers continue to commit unfair, abusive and deceptive practices such as robosigning and probable fraud on me and the courts. On XXXX/XXXX/XXXX I received a DEBT VALIDATION LETTER from Bayview that states that XXXX and XXXX XXXX are the owner of the debt, This XXXX XXXX differs from the previous claims since XXXX referring to XXXX XXXX or similar, erroneously named trusts. On XXXX/XXXX/XXXX I sent a response to the Debt Validation letter that I dispute the debt. Neither XXXX nor XXXX have validated the purported debt since a title search prevented me from selling my property in XXXX. While neither XXXX nor XXXX have validated their claims the figure of {$250000.00} does not correspond to the purported amount of debt. On XXXX/XXXX/XXXX I sent a Qualified Written Request by certified mail to Bayview Home Loans LLC I have not recieved a response to either letter in violation of my rights by operation of law as to the validation of debt letter and the Dodd Frank Act as to the QWR. These recent violations and abuses continue a pattern of harm, fraud and denial of basic rights where the court and Judge are ignoring the facts and policy to address the harm done to homeowners and consumers. The accounting and escrow that they keep issuing forced insurance, fees, on my property. This needs to be addressed asap as they are causing me great harm and stress. Bayview Home Loans LLC has no right to my property and they need to STOP HARRASSING me with this purported debt, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
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 Have been a Victim of Identity Theft I have submitted police report and all verifying documents and Equifax is still reporting fraudulent information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: WILSON & ASSOCIATES, PLLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've paid my first trial payment XX/XX/2019 for my mortgage modification though XXXX XXXX. There is a property foreclosure sale date set XX/XX/2019 and I'm in a mortgage modification. Wilson & Associates the foreclosure attorneys was contacted to cancel the property foreclosure sale date. They refuse to cancel property foreclosure sale date

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Accelerated Receivables Management, Inc.
State: TX
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:
Accelerated Receivables out of Florida keeps calling to collect some type of debt and are looking for personal information as to address social security number and never say who they are representing and refuse to give any information and as well I refuse to give them any information - these folks are the ones calling and have information but will not share it and as well I will not share with them. 

Accelerated receivables / XXXX, FL /XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-12-09
Company: Diversified Recovery Services Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX, 2017 Diversified Reecovery took XXXX out of my account. This is because of a conversation that I had with a representative two weeks before that wouldnt take no for an answer with arranging payment arrangements for a bill three years ago that i never receive a letter from I tried to talk to them to see if I can arrange payments lower than that but that started to argue with me. I asked to speak with the manager and he also started to argue with me to the point to the point they hung up on me. Now I 'm getting phone calls threatened me to pay or they will be consequences if I do n't get back to them at a certain time frame but I still have received a letter and I really do not want them calling me if they are going to be bullying me to pay.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Company Sent me a letter saying that they were closing my account do to irregular authorized user activity, When I have personally made them aware that I was adding Authorized users in efforts to educate. So the users were authorized. I have called a couple times and they refuse to help reopen my account. The Company is Bank of America. I have called multiple times and made them aware prior to submitting a CFPB complaint. All times that I have called, they have hung up on me during the transfer period. 

If necessary I may provide recordings of my attempts at speaking to Bank of America representatives to prove non-compliance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX IS REPORTING ON MY CREDIT REPORTING INCORRECTLY AND CREDIT BUREAUS KEEP FALSE VERIFYING AND REINSERTING ON MY CREDIT REPORTING WITHOUT PROPER NOTIFICATION. ACCOUNT HAS BEEN IN DISPUTE OVER 6 MONTHS AND CREDITOR AND BUREAUS HAVE FAILED TO REPORT IN DISPUTE. ACCOUNT DOES NOT REPORT DATE CLOSED OR DATE OF LAST PAYMENT. DATE OF LAST ACTIVITY HAS BEEN UPDATED TO CHANGE PURGE DATE OF ACCOUNT. XXXX XXXX FAILED TO PROVIDED ME WITH LEGAL DOCUMENTS OF MY STATE WHEN A CAR IS REPOED. THIS ACCOUNT SHOULD BE PERMANENTLY DELETED BECAUSE IT IS IN VIOLATION OF THE FCRA AND CREDIT REPORTING RESOURCES GUIDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX  and Transunion ; and I'm assuming my XXXX as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XXXX . We eventually went with XXXX XXXX XXXX XXXX  but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX  dealer ship in XXXX CT, on XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points. 
If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.

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 2018-06-06
Company: General Motors Financial Company, Inc.
State: MD
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:
On XX/XX/2017, I went to XXXX XXXX to purchase a car. I had a open check from XXXX XXXX XXXX XXXX for {$30000.00}. However, the finance guy asked if he could get me more money for a lower interest rate. I filled out an application for XXXX XXXX   only and asked that be the only bank my credit be ran. The finance guy came bank an told me a ridiculous amount and I purchase XXXX XXXX XXXX with my bank check. 

About two weeks later, I started receiving letters from about 9 banks why I was denied credit. When I took my car for regular maintenance I asked why they ran my credit for all these other banks and he could not answer only apologized. I never gave XXXX permission to run my credit for 9 different banks and messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a XXXX balance on my PayPal account and no unresolved issues or business with them. I have tried three times today ( online, and phone ) to cancel my account. Customer service was unwilling/incapable of closing the accounts. 
I want to minimize my online exposure to security threats and PayPal is being uncooperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ALL FTC VIOLATIONS ATTACHED print XXXX  Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute 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