BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for the Citibank New Customer Bonus. I opened the account on XX/XX/XXXX. My accounts were fully funded to meet the {$1000.00} bonus by XX/XX/XXXX ( within the 20 day window requirement ). 

The link that describes the promotion is here : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I have not withdrawn any money from any of my accounts ( have both the checking and savings ). There is a balance over $ XXXX in them currently, which is the threshold to receive the {$1000.00}. 
I have contacted them twice, given the Reference number of XXXX. The first representative said that my bonus was " attached '' but not " registered ''. I did register it and have a partial copy of my chat transcript on XX/XX/XXXX to make sure that there was nothing else I should do but keep the money in for at least 60 days and then within 30 days I will receive my bonus. They base this on the balance on the 21st day. So, in total, after 111 days, I should receive my bonus. 

The customer service agent in early XXXX told me that it was a glitch on their end because I signed up for it online. The second customer service agent on XX/XX/XXXX said that an investigative " team '' is still checking on it. Both XXXX XXXX told me that I would receive a letter in the mail explaining everything and I have not yet received that letter -- or my bonus that is due. 
This customer bonus is still active and is running through XX/XX/XXXX. I am afraid they will drag their feet and then tell me that the promotion has expired. There seems to be no one else I can contact to get this solved as I keep getting passed to a different customer service agent that can not speak XXXX very well. Please help. I have referred others to this promotion and now feel I have set them up for the same frustration.

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted a letter to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Company disapproved the loan application by stating that a ). After careful review of application, they are unable to approve the request for credit and b ). Unable to verify ownership or occupancy of property.

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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These two accounts listed are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Currently, TransUnion continues to show 30 days past due that's reporting negatively on my credit report. The representative from XXXX contacted TransUnion regarding the dispute. An Align Income Share Funding servicing representative has reached out to Ms. XXXX ( me ) personally to discuss the issue and inform me ( Ms  XXXX ) that they will be removing the negative 30 day past due reporting from her credit report. Please remove immediately!

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 2020-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capitol Bank is reporting false account and information on my credit file. 

I request the an original Consumer Contract with my Signature on it that is required to be on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,  unverified accounts must be removed and XXXX  was unable to provide me a copy of verifiable proof, XXXX XXXX must remove the accounts listed below.

Attached police report and FTC report. Forward to creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX, Account : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( 2 ) ( a ) ( i ) States exclusions on " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Form 1099-c must be filed regardless of whether the debtor is required to report the debt as income.

According to the IRS a charge off is considered income and not debt and a 1099-c must be filed along with taxes.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete.

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 2018-08-25
Company: CONTRACT CALLERS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Contract Callers XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Claiming that I owed XXXX, Formerly known as XXXX {$100.00} File Number XXXX Account XXXX They attached no proof, and I have no reason to believe I owe XXXX any such amount. I have never received any such bill from XXXX, or any communications about any such bill. 

I called the number listed above, to inform them that I disputed the debt, in its entirety. They told me that I I had to tell them the last 4 numbers of my social security number. I told them I had no intentions of telling someone I had no pre-existing business relationship with any of my PII. They said that I was obligated to send them written notice of my dispute. 

I see no reason why I should have to spend more of my time, or buy postage, to dispute something they seem to be making up out of whole cloth. 

I would appreciate your help in this matter, as their representative was escalating and hostile, and repeatedly insisted that I divulge PII, based on a letter they sent me, out of the blue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have tried to ask for a loan and a personal line of credit so that I do not have to keep overdrawing my account. my credit score has been high enough and my check goes to my account through direct deposit. I have been denied credit in my opinion just so the bank can keep withdrawing overdraft fees. in the amount I have paid to the bank in overdraft fees I could have paid off the loan in which I have applied for. the bank advertises that they help their members. this bank does not and has false advertising.

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 2018-03-27
Company: STONEGATE MORTGAGE CORPORATION
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:
This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on XXXX XXXX, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and XXXX  is showing XX/XX/XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: FORD MOTOR CREDIT CO.
State: TX
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:
On XXXX XX/XX/2020, I noticed that Ford Motor Credit Company had pulled my credit. This was done without my authorization. I called Ford Motor Credit Company and they advised that there was nothing they could do to help me in this situation. I am concerned that my credit was pulled without my consent and further worried that someone maybe trying to take out a loan using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX ( NMLS # XXXX ) representing US Bank provided a clear to close for the buyer of our townhome on XX/XX/XXXX for a scheduled closing date of XX/XX/XXXX. The day before closing, on XX/XX/XXXX at XXXX XXXX, XXXX admitted that a final Closing Disclosure was never issued to his borrower. As a result, closing would need to be delayed by three days. 

As we were also closing on the purchase of our new home on the same day, our closing had to be delayed as well. We suffered numerous expenses including moving truck expenses, housing, meals, personal days from work, and distress to a new mother. COVID-19 exasperated these issues. 

On XX/XX/XXXX, we sent XXXX and US Bank a letter detailing their negligence, and seeking a resolution. There was no response. On XX/XX/XXXX I called XXXX/US Bank to follow up and received no response. On XX/XX/XXXX I emailed XXXX/US Bank to follow up and received the response that there was no resolution available.

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 2020-10-17
Company: CBC Companies, Inc.
State: PA
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 keep writing innovis and they keep asking for documents. I keep sending them everything they ask for and they are reporting fraud information on my report also they are using a automated system instead of dong the validation manually. Im at my limit with this company ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sold residence in XXXX ; escrow funds were never received. Located funds in unclaimed property, {$2500.00}, with the State of Illinois. Submitted paperwork for signature verification by a notary to firm in  XX/XX/XXXX. Still waiting for documents to be sent to the State of Illinois. State of Illinois has closed claim for a lack of activity. See  below. 

Unclaimed Property Time Line XX/XX/XXXX Discovered unclaimed property on website ; claim filed XX/XX/XXXX Required documents notarized at bank XX/XX/XXXX Mailed documents to State of Illinois to process claim XX/XX/XXXX Received verification form from Illinois via email XX/XX/XXXX Emailed verification form to XXXX XXXX at Dovenmuehle Mortgage Inc. 
Received acknowledgment of email received from Ms. XXXX XX/XX/XXXX Sent email to Dovenmuehle Mortgage Inc. asking for status of claim No response from Dovenmuehle XX/XX/XXXX Called Ms. XXXX at Dovenmuehle for status ; left voice mail ; no response or return phone call XX/XX/XXXX State of Illinois status - dropped for inactivity or duplicate claim XX/XX/XXXX Contacted Dovenmuehle Mortgage Inc. customer service Explained issue to representative asked to speak to a supervisor ; called transferred to supervisor ; no answer ; automated disconnect after preset time ; did not talk to a supervisor. 

Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$950.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} 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 XXXXXXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: MD
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:
I have been writing letters to the credit bureaus asking them to remove the inaccurate late payment information from my credit report. After 2 attempts to get them to update the information, Experian is still reporting it incorrectly.

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 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I was going to lease a house and wired a security deposit and first/last month rent to XXXX XXXX XXXX XXXX XXXX Bank of America account to a Chase Account. 

I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XX/XX/XXXX. 

I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. 

Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XX/XX/XXXX and spoke to XXXX in the Check and Fraud Department and she told me that my case was closed and my funds were not recovered. 

Bank of America never sent me any notice or kept updated on the investigation. 

XXXX lost : {$11000.00} Claim Number : 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 2018-07-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After my husband passed away in XX/XX/XXXX and my chronic health problems for 3 years, I fell behind on my mortgage payments between XXXX and XXXX. I applied and was approved for a loan modification in XX/XX/XXXX. I was approved to start making trial loan modification payments on XX/XX/XXXX in the amount of {$1400.00}. The trial loan mod payments would continue until I received a permanent loan modification. I made the " trial loan modification '' payments every month from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX, the mortgage company informed me that I needed to get court approval as the executor of the estate of my deceased husband and my deceased grandmother in order for the loan modification to be put in my name as executor of the estate of my husband and grandmother. Thus, I had to start a probate process and informed the mortgage company that it could take several months before the Court approves of this action as an existing Probate has existed since XXXX when my mother, who is now deceased filed the probate for the property that I am an heir to. I sent the mortgage company the last will & testament and other documents illustrating that Im the heir to the property and the wife of the deceased person on title. Although I continued to make the trial mortgage payments and unbeknownst to me, the mortgage company continued to accept payment and initiate foreclosure proceedings on my property at the same time. In XXXX I was told that I dont qualify for a loan modification or any foreclosure alternative because my income wasn't sufficient. However, I was already in a trial loan modification and making payments on-time every month. Next, I received a letter dated XX/XX/XXXX stating that I didn't qualify for a loan modification because my mortgage didn't qualify for any loan modification options. I faxed an appeal to both denials on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Shellpoint and XXXX XXXX Foreclosure trustee sold my house at an auction for {$320000.00} to a 3rd party investor

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief