BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Tracking # XXXX  XXXX XXXX XXXX Loan # XXXX  I suffered roof damage and received a $ XXXX roof check. I was mistakenly under the impression that I could bring the check to a XXXX XXXX XXXX   Branch with all my documentation and have the check endorsed to me. That is not the case, they have made this process incredibly difficult and after two weeks of submitting document after document they still haven't sent me the check. If the check was under a designated amount the consumer can walk in with the insurance information and get the check endorsed. But because of the amount they have done everything possible to make the process extremely difficult. I am required to submit 5 documents : -Insurance adjustors worksheet -Signed Bid from contractor -Conditional waiver of lien -XXXX  from contractor -mail the endorsed check to the Bank I completed all these steps and followed the exact instructions on their website and they continue to find a new item on everything I submit that is missing. I submitted the signed contract -- it was missing the amount of the job even though I was told to turn in the signed contractors bid -- that had that amount. I resubmitted with the amount then was told the contract is missing is the contractors address -- even though its his contract. I was then told to handwrite the contractors address on the contract or my other choice was for me to sign the contractors bid. This entire process lacks direction and is designed so that the consumer has to spend hours on getting one piece of information at a time. I would expect more pushback from the insurance company versus the mortgage company. I also included an overnight envelope to return the check to me which has disappeared. But all this assumes I will eventually get my check. They have provided a website : insuranceclaimcheck.com to receive documents and I have a record of everything I have sent. Two weeks, 4 lengthy phone calls and 12 documents later I still have no check and no roof. I have no delinquency issues I have never been late on my mortgage. This process is ridiculous and has me searching for a new mortgage company so I do not have to deal with this Bank anymore. Even after all the paperwork is approved I am told it will be 5 business days for them to cut me a new check that will then be placed in regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Equidata, 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 this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud

Company response to consumer: Untimely response
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: NH
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:
I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$200.00} on XXXX. I expected to receive 5 % of {$200.00} or {$10.00} but I only received {$4.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$5.00}.

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 monetary relief
Consumer complaint received 2017-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX/XXXX/XXXX Bank of America Merchant Services made a withdrawal adjustment of {$550.00} from our merchant account. We have not received anything in writing regarding this dispute. Verbally we confirmed the original charge was a car rental in person, swiped debit card, pin entered. We provided an email response on XXXX, and a writen response on XXXX and had not received anything back from Bank of America in writing.

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 2018-05-03
Company: Nelnet, Inc.
State: MO
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:
From the beginning of my repayment period to XX/XX/XXXX, I was in an income-based repayment plan of {$200.00} monthly. 

I took XXXX XXXX classes, which put me in deferment from XX/XX/XXXX through XX/XX/XXXX. 

My Income Based Repayment expired, and I could handle the full payment price of {$380.00} which I did from XX/XX/XXXX through XX/XX/XXXX. 

I decided to re-enroll in Income Based Repayment in XX/XX/XXXX, and submitted a payment of {$160.00} which posted in XX/XX/XXXX. I was told that my new Income Based Repayment of {$160.00} would begin in XX/XX/XXXX. 

In XX/XX/XXXX, an amount of {$410.00} was erroneously auto-debited from my account. This was more than both my IDR or my full repayment price. When I called, I was told that there was an error with how the auto-debit system pulled from my account, and that since I agreed to the " Terms of Use '' on the auto-debit system, I was not entitled to a refund. I was also told I submitted my IDR paperwork late to put my IDR in place for this cycle, but this was untrue as I submitted the paperwork by XX/XX/XXXX which gave ample time for the 30 day processing period cited to me when I signed up for the IBR plan. 

My IDR began posting normally in XX/XX/XXXX, but this was significantly less than the IDR price quoted to me when I set my plan up in XX/XX/XXXX. The amount quoted was {$160.00}, which is why I authorized this amount to be pulled from my account in XX/XX/XXXX. The account has pulled {$120.00} in XX/XX/XXXX and is scheduled to do so in XX/XX/XXXX. 

There has been a flagrant and systematic pattern of misinformation from Nelnet. Since the beginning of my repayment period, I have found myself making phone calls almost monthly because of errors, incorrect auto-debit pulls, or blatant misinformation. 

Thank you for your time and I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
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: Their investigation did not fix an error on your report

Complaint:
transunion will not investigate my unauthorized inquiries on my credit report. They stated that inquiries can not and will not be investigated according to FCRA any mistake on your report consumer has the right to correct mistake.

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 2019-04-24
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/19, I used CashApp to purchase an item I wanted from XXXX. The seller got my money but never sent my item. I disputed the charge with my bank, who said Square Inc., the company responsible for CashApp, stated that the charge is valid and, as evidence, provided proof that I received the item I ordered. When I attempted to address the issue with CashApp, I received a notice that, in response, my CashApp account was shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because EQUIFAX breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies.

I had an average credit score of over 800 prior to EQUIFAX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries.

I have screamed at EQUIFAX and they said that they are XXXX   inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do.

prior to XXXX  being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX.

Now I am considering legal action by going to XXXX XXXX XXXX reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on Equifax data breach and I am livid about that.

I can't get any credit because after months the hard inquiries are still on my report. XXXX told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud?

that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Certegy Holdings, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XX/XX/2022. Check amount XXXX. XXXX XXXXXXXX XXXX Certegy declined check. Why? 
Called my bank and they are not happy with you. 
Went to XXXX and did not have an issue. So won't be using your customer, XXXX  again. 

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 explanation
Consumer complaint received 2019-04-24
Company: SACOR FINANCIAL, INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My company was going to garnish my wages for a debt in 2005 not sure what for. SACOR financial is the company who started this. I have no idea what this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
I have been a long time card customer with American Express. Never missed a payment or had any problems. I received a new offer to spend over {$4000.00} and receive bonus points, flight credits, hotels credits, etc.

Upon using the card to buy something that cost over {$4000.00} my account was suspended and now American Express is asking for personal income information. After going back and forth asking them to grant me my credit as was outlined in the agreement. They have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Advance America, Cash Advance Centers, Inc.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Received a loan form Advance America.

Never received any type of collection notifaction 's just treating phone calls about them wanting to sue me. I have received any type of collection letter for the right to dispute or or contact information, never received any type of phone calls about my debt. The only phone call that I have received was from a processor about them suing me for pay off the debt i was never notified about.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 submitted a disputed XX/XX/2018 with TransUnion. It says theyre still investigating and its been more than a year

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 2018-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used the XXXX through my Bank of America XXXX app. to send {$1000.00} to a person for tickets to a basketball game. The person never sent the tickets and did not respond to my numerous emails/texts/phone calls. 

XXXX had no protection and stated not use XXXX if you do not know the person. 

Bank of America said they could not do anything since I authorized the transaction and it was posted. 

Why is XXXX and BofA allowed to have a transfer service with no consumer protections for scams? XXXX  XXXX  and XXXX have means of getting money back if a consumer was scammed. Further, why is BofA forcing its customers to use XXXX to transfer funds? The consumer should have a choice especially given that XXXX has no protection if a person is scammed.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.

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 2018-05-03
Company: BB&T CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for XXXX and it is not any type of special check and the bank is holding it until the XX/XX/XXXX and I deposited it yesterday. The person I got the check from said it will be cleared today or Friday the latest, so my question is why is the bank holding it until next Thursday? Can you assist me. 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 2021-02-01
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC Bank performed an external transfer of funds from my XXXX XXXX account to a PNC account that had been closed for over two weeks. The banker that closed my account should have made sure that any transfers were cancelled before closing the account, since I obviously wouldn't want the account receiving money weeks after it was closed. 

I made an appointment for a banker to call me and they never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: NY
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 accounts are fraudulent XXXX ( Original Creditor : XXXX XXXX   XXXX ) {$68.00} XXXX XXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I was charged {$230.00}. I informed the company of this fraudulent charge on XX/XX/2019. They issued me a conditional credit until they could finish their investigation. On XX/XX/2019, they closed their investigation in favor of the merchant and reversed the conditional credit. I am continuing to dispute this. 

Originally, I did not submit any information in support of my dispute, just because the transaction was never made by me. My credit card activity with the same bank also shows that I was in California the entire time. I assumed they could access this and easily assume that I could not have made the charge. 

The information the merchant provided was an IP address in Texas that shows the purchased item was ordered to someone I have never heard of. Although the address may match, I have no idea who the person is. I also do not have authorized users to my credit card other than myself.

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 2018-03-20
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I would like to obtain the assignment documents of my loan from the initial loan servicer to the servicer that it was subsequently sold to. I requested the documents from XXXX XXXX but they were unable to find them as ofXX/XX/2018. I have been paying on time for this loan for over 10 years and am only 25 % paid off-I am not sure this has been a legitimate process so I would like to see the paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citibank Checking Account on XX/XX/2018 with the promotion of getting {$500.00} if I deposit {$15000.00} in the account and keep it for 60 days which I did. I was supposed to get the money by the 60th Day. I have completed all the qualifying activities and should be getting my money which I haven't got till yet. Please look into this.

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 2019-04-24
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in XXXX, OH XXXX. I am reporting a home scam committed by Third Federal Savings and Loan along with XXXX XXXX XXXX President XXXX XXXX XXXX. 

Third Federal Savings and Loan along with XXXX XXXX XXXX President XXXX XXXX XXXX committed home fraud on my property at XXXX, OH XXXX. HUD told me that something bad has happened with my home and I need to seek authorities help. I also wanted to know if RESPA was followed. 
I filed this complaint on XX/XX/2019, and the Federal Reserve filed a complaint on XX/XX/2019, with CFPB on Third Federal. Without addressing my complaint, CFPB closed both the case today stating that it is duplicate with a third one, which is a false statement. 

Today, XX/XX/2019 XXXX XXXX, I spoke with a CFPB agent XXXX XXXX. Mr . XXXX  verified my complaint and confirmed that these two complaints are not duplicate to another third one. Mr . XXXX told me Third Federal closed the case using some guest service account. Also, Mr . XXXX told me that If I submit my complaint again, Third Federal will close it again as a duplicate or something because CFPB does not have any control over the complaint process. 
I want my home, and I want a fair investigation and justice. Someone very powerful is covering up Third Federal savings and loan home scam. Moreover, HUD advised me to file this home scam and RESPA inquiry with CFPB. 
I want to know how my home account got transferred. 
I want to inquire if all RESPA procedures were followed on my property. 
I want to file a home scam/fraud against Third Federal Savings & Loan. 
My home is protected by the government. So, I want to know all the property payment details and who is paying what. 
CFPB, please do not close this complaint stating that this is duplicate. This is not a duplicate complaint. This is a home scam / RESPA case. Please investigate justly. 
Finally, if CFPB believes that CFPB can not control Third Federal savings and loan and Third Federal will again lie and close the case, please escalate this to the proper authorities.

Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation