BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: Specialized Loan Servicing Holdings LLC
State: SC
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:
On several occasions I disputed my open HELOC account with Specialized Loan Service ( SLS ). On my XXXX  and XXXX  credit reports, SLS is reporting my HELOC as CLOSED with a balance. SLS purchased this account from XXXX on XX/XX/XXXX. My XXXX  and XXXX  reports from SLS shows a CLOSED date of XX/XX/XXXX. My account is OPEN CURRENT with no LATE payments. This error has caused me harm by reflecting a inaccurate debt to income ratio. I have been turned down for low interest rates because of this error. It is interesting that XXXX  is reporting my SLS account accurately, open current without late payments. Please help me obtain an explanation why SLS will not correct this error. I have disputed by phone email and certified letter without success. SLS blames the CRAs XXXX and 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 2019-01-31
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC mortgage provided an email confirmation of a rate lock at a very low rate during the initial conversation. They were aware we were speaking to multiple lenders. After we had selected PNC as a vendor and committed to a closing date of XX/XX/2019, the mortage associate raised the rate on XX/XX/2019, which gave us ver few options for moving forward apart from accepting the higher rate. 

PNC also agreed in writing to provide credit to cover appraisal and closing fees, but shorted the amount by approximately {$200.00} on the closing documents. 

They also refused to provide a secure file upload space for transfer of documents containing PII

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019 deposited check via smartphone and bank says funds will not be available until XX/XX/XXXX. Branch manager had no explanation, appealed to executive offices and complaint was assigned to XXXX XXXX ( XXXX ). He said same - 9 day hold with no explanation.

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 2017-12-07
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried several times reaching out to XXXX XXXX in regards to a debt I do not owe. They are not abiding by the law and have disregarded all interaction with this consumers. I have filed a Better Business Bureau complaint, FTC complaint against XXXX XXXX   for trying to collect on a debt that was paid by them to the oringinal creditor. There is nothing in the oringinal creditor lease agreement saids I have to pay XXXX XXXX a dime and I would like this alledge debt remove from all three credit bureaus. If this matter is not settle I am willing to proceed of filing a complaint against XXXX XXXX with the Attorney General office and start a class action lawsuit. All I want is for this alledge debt to be remove from all three credit bureaus. Hunter Warfield has no ground in the state of NC and I will not be bullied and harass about a debt I do not owe. Like I said before I do not have a contract with XXXX XXXX XXXX they need to send the agreement back to the oringinal creditor will not pay an alledge debt that has already been paid. I have asked several times for validation and XXXX XXXX did not provide all recommend documentation that was requested therefore this alledge debt needs to be remove it has been going on 45 days since I have asked for validation and this is unprofessional.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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: Their investigation did not fix an error on your report

Complaint:
Equifax /XXXX /XXXX credit reporting manipulation they state the alleged account is paid charge off in XX/XX/2019 But I never paid the alleged account because its not mine { this paid charge off will stay on my credit report and is not accurate Enclosed are Facts from Equifax /XXXX  that show the statement Im making is true.XXXX  even when as far as lying to the CFPB in there response and Equifax after that RESPONSE DID NOT REMOVE THE ACCOUNT [ ENCLOSED IS A LIST OF DOCUMENTS I REQUEST FROM EACH COMPANY but they just send template LETTER BACK IN RESPONSE contact furnisher } I will subpoena the documents if need be, I want in conclusion a copy of receipt I made the payments they claim. Again credit manipulation { truth in accuracy in there reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX   XXXX {$400.00}

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 explanation
Consumer complaint received 2018-03-12
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX I applied for a new XXXX XXXX personal card. I was approved. Later that month customer specialist XXXX XXXX blocked my card citing " verification purposes ''. 

Since XX/XX/XXXX XXXX XXXX asked for multiple pieces of information from me -- social security card, driver license, business license. All information was sent as requested. The account wasn't reopened and was closed on XX/XX/XXXX citing " violation of cardholder agreement '' however, there was no violation. 

I submitted a complain via CFPB about improper actions by XXXX XXXX requesting account to be reopened. The response was that I needed additional piece of information ( my social security card ) which I faxed again. The account wasn't reopened and customer representative couldn't cite the reason for it. The answer is same " unverified information '' however the bank can't say what information is needed. 

The bank refuses to honor cardholder agreement and refuses to explain their actions.

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 2019-01-31
Company: Continental Finance Company, LLC
State: TX
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 have been a long time customer of Continental Finance regular  XXXX. In XX/XX/XXXX, I set up automatic payments for over double the amount due ( {$35.00} ), in the amount of {$75.00}. This went along fine until XX/XX/XXXX when for some reason UNKNOWN to me the company changed their statement date. This somehow altered my due date, which began the string of late fees charged to me from XX/XX/XXXX through today, XX/XX/XXXX totalling {$170.00}, plus the interest -- plus they are also reporting me to the credit bureaus as being late. I manage this card online and since I had the double autopayments going out each month, and I rarely use the card and keep a small balance, I never thought to look more closely at my statements. This late fee kept accruing even though I made double payments regularly each month on the XXXX. Today I spoke with XXXX XXXX at Continental Finance. It took her some time to figure out what happened then she explained to me about the statement date changing in months with 31 days. I could not believe this explanation or this policy. She said she handed this over to her floor supervisor XXXX XXXX who told her there was no way they would pay all these late fees back. should would not let me speak with XXXX XXXX nor would she give me any contact information for him or XXXX XXXX, but did give me the fax number : XXXX. Here is the main customer service number for the company : XXXX I am attaching copies of transaction details as well as my autopayment setup and list of autopayments and when they occurred. At this time I do not know if I will be refunded anything, or if their credit reports will be withdrawn.

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 2019-01-31
Company: Experian Information Solutions Inc.
State: CO
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 have a derogatory remark on my credit report from a mail-order catalogue service by the name of XXXX XXXX, of which I have no knowledge of. Once noticed on my credit report a year ago, have disputed with all three credit reporting bureaus without resolution/removal from my credit report. Through multiple conversations with XX/XX/XXXX, it was uncovered this account was an UNSOLICITED INSTALLMENT ACCOUNT MAILED TO AN ADDRESS OF WHICH I DID NOT RESIDE in XX/XX/2013. The resident or persons who received catalogue purchased items, which were delivered in XX/XX/2013 for {$140.00} and made NO PAYMENTS ON THE ACCOUNT causing a charge-off to the account of {$310.00}. XXXX XXXX was not able to confirm shipping information/receipt as they no longer have access to those records but refuses to remove from my credit report. This is a fraudulent account that I did not solicit nor make purchases of merchandise and had never heard of XXXX XXXX until its appearance on my credit report and am having the most difficult time of resolving this ongoing dispute to my satisfaction.

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 2019-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2018-10-08
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:
Bank of American Credit Card Number : ending XXXX DISPUTE Case Number : XXXX I would like to DISPUTE for the charge on XX/XX/2018 with XXXX XXXX with the amount of {$15000.00}. 

XX/XX/2018 XXXX XXXX XXXX NC {$15000.00} XXXX   was shut down by the Federal Trade Commission ( FTC ) on XX/XX/2018 for being a scam and fraudulent company. The Receiver has post the final decision that XXXX was permanently shut down on XX/XX/2018. The merchant failed to perform based on the agreement and contract we signed. The lifetime access to website training are no longer there. The mastermind that was scheduled on XX/XX/2018 was also cancelled due to the shut down. 

I tried to contact XXXX, but unable to reach anyone because it was shut down by the FTC. Later on, the receiver acted on behalf for the merchant to respond to the bank. It was a valid charge but the merchant was unable to perform due to the shut down. 

In the same time, I contact Bank of America numerous times to dispute the amount. I have provided all official document from FTC and receiver, my agreement/contract with XXXX, the receipt from XXXX, and many other supportive documents to bank of america to support my dispute. The dispute team was very difficult to contact, and the dispute was first denied, then approved, and then again denied.

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 2022-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I spoke with Bank of America at XXXX pm XXXX, discussing a XXXX payment that I was supposed to receive in the amount of {$570.00} to apply to a negative balance. This amount would have covered my regular payment to my mortgage company in the amount of {$1400.00}. 
After an extensive and exhaustive conversation with a customer service rep, he determined that there was nothing he could do about the XXXX payment that I did not receive. Though this payment was cleared from my roommate 's bank and had no hold. I explained to the representative and the manager " XXXX '' that I had never had any issues sending or receiving money via XXXX before. I also explained that the XXXX payment was necessary in preventing the return of the mortgage payment. They stated that there was " no promises that could be made from the bank in covering the transaction '' despite the fact that the issue was a bank error. 

I asked kindly from both the CSR and the Supervisor XXXX if they could do anything to assist me with making sure that the payment wasn't rejected while we were waiting for the XXXX payment to post to my account. Instead, they provided me with absolutely no assistance in resolving this time-sensitive and critical issue. 

If there was any time in me considering never recommending this bank, this would be the time. After years of banking with Bank of America, and consistent transactions with them, you would have thought they'd make a greater effort to help a loyal client, and did not. 

I request that I'm contacted by a senior manager to help resolve this issue as I feel that it is negligence by Bank of America to assist a client with an issue outside of their control.

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 2019-01-31
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and pnc bank all are reporting I have opened accounts with them on XXXX which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in XX/XX/2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am the victim of identity theft. My wife passed away almost 3 years ago. I went to Suntrust to open a checking and savings account back in early XX/XX/2020. Some of the features that were supposed to be on my account were not. So I contacted the woman that helped me open the account, XXXX XXXX, to help resolve the two issues, overdraft opt-in and bill pay. Ms. XXXX attempted to help solve these two items but when the claimed fixed never worked, she advised me to contact the tech area of Suntrust. I worked with that department for over a week and the last fix was to delete my online profile and create a brand new one. That ended up working. I made a couple of deposits into my account and used the card for purchases with no issues. On XX/XX/2020, XXXX made a fraudulent withdrawal from my account of over {$90.00} and it put my account into a negative situation. When I became aware of this fraud transaction by an email from XXXX, I immediately contacted XXXX  and told them they committed fraud. XXXX said they would refund the money right away, and it would be replaced onto my account in 3 to 5 business days. I then called XXXX XXXX and made her aware of the situation. She told me not to worry, and as long as I got the account back into a positive, all would be ok. 
I was still able to log into my online account and through the mobile app and see the negative balance. I sent Ms. XXXX a copy of the email from XXXX  showing me they would return my monies in 3 to 5 days. The next day, XX/XX/2020, my account was blocked. I attempted to reach XXXX XXXX, left her a message, and then called Suntrust customer service, and asked them why the block on my account. Suntrust explained it was the branch that had placed the block, so I called the branch and spoke with XXXX XXXX. She told me the block came from the back office area, and to call customer service, and she transferred me there. I spoke with customer service and complained that I was being punished by losing access to my account from being a victim of fraud and ID theft. They told me nothing they could do to resolve the issue, and started a claim to get my account released. I explained how proactive I was in getting the release of my monies wrongly and fraudulently taken by XXXX  back into my account. Plus I had been in constant contact for the day my account was in a negative, I got XXXX  to release the money in one business day not 3 or 5. I did everything in my power to get those monies back into my  account. Plus stay in contact with the branch. Nothing more could have been done by myself, in getting my money returned into my account quickly and keeping the branch informed.

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 2020-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Other problem

Complaint:
XX/XX/2020 Bank Of America XXXX XXXX XXXX XXXX, Va XXXX Bankamericard Secured Credit Card Dear BANK OF AMERICA, I would like to ask you to reconsider my bankamericard secured credit card application. I recently applied and I was rather surprised to receive a denial regarding my secured credit card application because essentially and according to your website I was suppose to be guaranteed approval. According to your website, the bankamericard secured credit card requires you to place a refundable security deposit that serves as your credit line. 

In your letter, you listed that the reasons for the denial was because there were too many revolving credit lines. However, I have over 100 plus on time payments. My reasoning for choosing this card was due to the numerous positive reviews shared by my family and friends with respect to this card, and its great credit building tools for people with limited or bad credit. The reason for the acquisition of the bankamericard secured credit card is it will prove especially useful to me and help to improve my credit score and build credit over time, thus making certain types of transactions possible which would be advantageous for me. I sincerely believe that I deserve a chance with the bankamericard secured credit card so I can prove to you my reliability and loyalty to this bank. 



I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best,

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 2019-01-31
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2018 i contacted american credit bureau, for a debt that was reported on my credit report. I sent them a letter saying that i was disputing the account. I never received a letter stating anything from this company. On XX/XX/2018, i sent out another dispute stating that they never verified the debt or sent any information and have failed to comply with the laws of the fcra for not sending me verification of any debt obtained with that company. I have been patient, but this is affecting my life and I want to get this resolved the proper and easiest way.

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 2018-04-18
Company: Experian Information Solutions Inc.
State: GA
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 disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file

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