BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the time of application I was given a closing date of XX/XX/2020. 
That date was 90 days from application for a rate and term refi with my present lender Wells Fargo. Since my original closing date wells has stated the loan was with their insurance review team, that they needed a subordination agreement for their own heloc, that their was a question regarding judgements? 
They have continually mislead me regarding closing on my loan. 
My wife and I-have XXXX cr scores, our DTI is very low, their was no appraisal needed for my property, the ltv is less than 70 percent, my payment Is dropping by XXXX dollars. We are immensely qualified, and yet they cant get the loan closed after 100 days. 
Ive requested my complaints be escalated yet no one contacts me. I have told Wells at this point I do not feel I should pay any discount or origination fees. 
I want the loan closed immediately. 
They continue to ask for more documentation. 
Please help ... they do nothing 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 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went into Bank of America XX/XX/19 to close out my checking account and leave my credit card account open. My credit card had automatic payments through the now closed checking account. Bank of America 's online banking platform did not let me add or adjust and new payment methods to my credit card due to a glitch in their system. I made a payment through their phone system manually on XX/XX/19 to satisfy that month 's payment. I contacted them again several days later to fix my online banking profile to a " credit card only '' profile which would then allow me to make payments from an external bank account. With their assistance, I updated my automatic payment instructions to be debited from my new bank account and I did exactly as I was instructed to have all automatic payments come from my new bank account. On XX/XX/19 this automatic payment was made for {$17.00}. On XX/XX/19 this payment came back return unpaid and Bank of America charged me a returned payment fee of an additional {$17.00}. I got two letters in the mail on XX/XX/19 that this payment went unpaid. After multiple phone calls on XX/XX/19 I found out that this was unpaid because the automatic payment tried to pull from my now closed Bank of America checking account instead of my new external account. Bank of America refuses to refund the return item fee because it was deemed not a bank error since I was the one who set up the payment, even though it was entirely through their instruction on how to set it up and I was reassured all future payments would come through my external account. I tried to get the issue resolved in person at a branch, through multiple phone calls to their credit card support and escalated to a supervisor and all attempts were unsuccessful. After spending hours trying to get this resolved, I closed my credit card account on XX/XX/19 by paying off the full amount including the extraneous fee as I no longer could deal with their unhelpful customer support.

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 2019-01-15
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have student loans reporting on my credit that I did not sign for nor did I authorize anyone else to do so. I have never attended college so there would be no need for me to have utilized student loan services.The loan is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: IA
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 sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President XXXX wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving a copy of my credit file I seen this account listed which is unknown and not mine. I have disputed with no validation being received. Please help as this should not be listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was banking with Chase they closed my account said the bank decided to end the relationship. I had XXXX in my account they said they needed to verify the check from the original maker they said the funds would be in suspense intelligent the spoke to the person. The other bank XXXX XXXX  has paid the funds to my account it's been 15 days. at one point they said my funds were mailed on XX/XX/XXXX, that was a lie I have spoke to several people everyday and have stepped into the branch still no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: AMERICAN EXPRESS COMPANY
State: TX
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 rewards from credit card

Complaint:
A couple months ago I signed up for the Amex Premier Rewards Gold card with an offer for XXXX after spending {$2000.00}. I met the spend and the points were awarded in pending status. There was a return on one of the purchases and the bonus was taken away which I understand since I had not met the spend. 

Eventually I met the spend again, received confirmation ( see attached email from Amex ), and the points were awarded. A few days ago I wanted to transfer the XXXX points that I currently have and I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I chatted with customer service and I was told that I needed to wait until the review was over to have access to my points again. I also called the Membership Rewards department and the person confirmed that my account was in good standing but my points were subject to this review and it could take up to 8 weeks for Amex to unfreeze them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I disputed 2 items on my credit report that dont belong to me and are erroneous items on all 3 of my credit reports. XXXX  and XXXX  investigated and removed them from my credit report. Equifax has refused to remove them from my credit report. The creditor is XXXX  XXXX in the amount of XXXX and the other in the amount of XXXX. I sent Equifax customer complaints about this company how they magically appear on peoples credit reports and I have repeatedly contacted this company and they continue to give me the run around without any assistance. On XX/XX/2020 I wrote Equifax and requested that they send me information including names of how they completed there investigations and gave them a time limit to respond to me and to no avail Equifax has never supplied me with the information I requested and it has been over 5 months. By law Equifax is required to remove these erroneous items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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:
TODAYS DATE : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT PLEASE UPLOAD MY PHONE NUMBER TO MY FRAUD ALERT : XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy Inquiry details XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-08-19
Company: Experian Information Solutions Inc.
State: MD
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 approximately XXXX I sent an investigation letter to Experian asking them to investigate a particular accounts status and requested that if it could not be verified within 30 days that it be deleted. on XX/XX/XXXX I received the results of that investigation from Experian and the outcome of that investigation was that the information could NOT be verified and the account was DELETED from my credit report. When I pulled my credit report mid XXXX the account was deleted from my report. However I recently refreshed my report on XX/XX/XXXX and the account was placed back on my report after I received a letter it was deleted. I had NOT received a reinstatement letter in those 4 months at all. Also the current reporting is INCORRECT and shows I have a balance which I do not. I have proof of payment in full. 
After I initiated a dispute with Experian on their website they then sent me a reinstatement letter 4 months after the fact. This is not following the rules set forth and is harming me in many ways especially during Covid. I have copies of all the documents sent and received and I would like this removed from my credit report as they are not following their own rules

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 2019-09-09
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a conventional mortgage with Suntrust bank originated at 90 % LTV requiring PMI at {$100.00} per month. I recast my mortgage with Suntrust bank by making a one time payment that brought my LTV ratio to 45 %. Suntrust did not automatically remove my PMI as required by 12 USC 4902 ( d, e, & f ) and continued to charge PMI. 

Suntrust responded to my original complaint that my PMI dates are valid as in my original loan documents and refused to refund the erroneously collected PMI payments, but Suntrust was required to recalculate the PMI dates. 
I was told by a customer service representative that the loan modification dept does not notify the PMI dept in instances of a loan recast so the dates are not automatically recalculated by the mortgagor. 
This seems to be in violation of federal law and would indicate a systemic problem with the way the mortgagor services loans. 

A recast is by definition, a loan modification of the payment terms. 

Suntrust was required by law to recalculate all dates associated with PMI termination as set forth in 12 U.S.C. This recalculation of dates was not completed in violation of 12 U.S.C. Suntrust did not follow the HPA requirements as set forth in 12 U.S.C. United States Code, 2017 Edition Title 12 - BANKS AND BANKING CHAPTER 49 - HOMEOWNERS PROTECTION Sec. 4902 - Termination of private mortgage insurance ( d ) Treatment of loan modifications If a mortgagor and mortgagee ( or holder of the mortgage ) agree to a modification of the terms or conditions of a loan pursuant to a residential mortgage transaction, the cancellation date, termination date, or final termination shall be recalculated to reflect the modified terms and conditions of such loan. 

Suntrust did not recalculate the dates as required by federal law which would have immediately caused the mortgagor to terminate the PMI upon executing the loan recast.

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 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I bought a home in the same year Bank of America closed on my home but someone other than myself were put on closing documents. 
The title to home is in my name only. 
I have been in a legal battle ever since. 
A judge has ruled that I own home. 
But Bank of America can place a lien on my home. 
In XXXX I was give an amount to pay and based on that amount I put my home on market to sell. But because Im not on loan documents the company Bank of America assigned to this fraudulent mortgage can not help me and I was forced to pull home off market. 
I pay all needs associated with my home. 
I now get notices that reflect an amount that has increased 4 times in over a 3 year period but because Im not on loan documents no one will talk with me to resolve.

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 2019-09-09
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification via online that I had a debt collection filled back in XX/XX/XXXX from a previous apartment complex I lived in. The debt was XXXX $ from XXXX XXXX XXXX   filled with the company Innovative Recovery. I called the collection agency on XX/XX/XXXX about the debt and they stated my old complex put that I still owed rent even though I left early for the prior month. I sent over emails between me and the property manager as proof that all I was advised to do was turn in keys and he would take care everything. Innovative Recovery never got back to me and when I recently did an application for rent I was denied because of this debt. I reached out to Innovative Recovery and spoke with XXXX around XXXX XXXX in which she stated XXXX XXXX responded that I returned keys on XX/XX/XXXX and owed rent for those days. I have documentation proving I returned keys XX/XX/XXXX and XXXX XXXX with held my security deposit of XXXX $ and also put on my credit report that I still owed them XXXX $ for 12 days of rent. I paid the XXXX $ only because I have to move and unfortunately I cant rent anywhere with a debt of this sort. XXXX XXXX was not truthful about the debt owed, had a false collection reporting on credit and with held my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX currently sent me a letter about if I close my account and do not pay they will sue. I want my account closed due to Identity Theft. The Public Act says close your account when Identity Theft occurs notify the account company and have them send you IdentityTheft papers. 
I am having a run around with customer service not flagging my account with Identity theft during the investigation so they will not lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. someone stole my identity to open fraudulent accounts with out my consent

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 2020-07-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent the collection agency on several occasions my Identity Theft Report, including police report, FTC Fraud Affidavit and my statement. I have also explained I was in federal prison the past 10 years while this account was opened in my name. They refuse to accept this and instead say that the FTC Fraud Affidavit doesn't contain the full account number. I DON'T KNOW IT!! The name of the creditor is right, the exact dollar amount. They just want to play games. They are in clear violation of the FDCPA and the Rosenthal Act in CA. They are trying to collect on a debt they know is ID Theft and is not mine. They are also trying to make me have to notarize additional documents that are NOT required under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: SYNCHRONY FINANCIAL
State: GA
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:
Synchrony Bank lowered the credit limit on my Walmart Credit Card by {$2800.00} for no reason and without notice. This makes it appear that I am using a higher percentage of the available credit and lowers my credit score and FICO score. One of the reasons cited is that the accounts listed on the report have balance and the balances are too high. The reason that the balance appears to high is banks lower the credit limit making appear that I am using a higher percentage of the credit limit and Synchrony has not provided any notice or statement on the credit report that they reduced the credit limit. I would like for them to explain what this accomplishes and what the objective is by lower my credit limit. When I called to discuss the robotic representative just read me a letter that they claim was sent but never received by me. When I asked if there was an appeals or review process I never received an answer and the representative just hung up the phone.

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 2021-09-03
Company: Experian Information Solutions Inc.
State: MI
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 am a victim of identity theft, I did not authorize or benefit from the following accounts. 

- XXXX XXXX  - Account # XXXX I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. 

15 Usc 1681 ( c ) - Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft. 

Also attached below, I have obtained a copy a third- party of my 3 credit bureau report from XXXX and it will also show how XXXX has fixed the error but XXXX  & XXXX  have not.

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 2020-01-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Purchased appliances at Best Buy and was offered the store credit card with a promotional offer of 10 % rewards on the purchase being made that day. At the time of the transaction the employee told me that the rewards could be used to pay the balance of the credit card which turned out to be false. I didn't find this out until I received the statement from the company and called to inquire how I could use my points for the payment. My intention when purchasing the appliances was to pay cash through a debit card and would have never signed up for the credit card if I hadn't been mislead. When bringing the issue up to the credit card company they said that nothing could be done.

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