BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On Wednesday XX/XX/2021, I visited the Bank of America in XXXX, Georgia located at XXXX XXXX XXXX. I approached the teller desk to withdraw money off of my unemployment card. I provided my license and my debit card to show I was an account holder. After several attempts, the teller said the machine that is used to take the money off the card was not working. I asked her to try again, she did and said it was not working then either. She said there was no-one available to fix the machine and that she could not contact any help desk to try to troubleshoot and assist me. She directed me to a manager. The manager told me the battery was dead and needed to be charged and said she couldn't promise when the machine would be working again. Then she changed the explanation and said the machine was having data and network issues and that sometimes " technology '' doesn't work. She also said she did not know when someone would be available to fix the machine and refused to call the corporate headquarters to get advice on how to troubleshoot or what could be done to help. She told me to travel across town to another bank, without consideration for the fact that I am not in a position afford certain travel, especially as I was in town to check on two elderly parents, both of whom have XXXX illnesses. I was horrified because this is a multinational corporation that has a federal contract to provide people with access to their unemployment funds. i hate to consider the number of people who are in dire straits in the midst of a pandemic and this is happening and they have nowhere to turn.

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 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I received a request from Bank of America for income verification and my social security verification. The letter was dated XX/XX/2021. I put together all the requested information, prepared a package and called Bank of America on XX/XX/2021 to ask them if they had a fax # or an email address where I could send the documents they requested, to avoid delays, save time in the mail and avoid sending personal identifying information in the mail. The gentleman I spoke to told me BofA did not have that option. The only option was using the prepaid envelope provided in the request and mail it back to them. I specifically asked the gentleman to make notes in the account that I was placing the paperwork in the mail the same day I was talking to him on the phone. He said he did. I wouldn't know. I mailed the paperwork to them on XX/XX/2021, immediately after talking to the BofA representative on the phone. I did not hear anything back from BofA until today, XX/XX/2021 when I called to follow up on the status of my account. I punched in the last 4 digits of my card number, an announcement came up telling me " this account is closed ''. I was furious. I had no idea my account was closed. I received no calls, no emails, no texts, no alerts, no correspondence in the mail. I called BofA, I got transferred, to learn that the reason BofA closed my account was because they received my income and ID verification documents " 2 days late ''. The letter BofA sent me specified that I had 30 days to comply, and I was way ahead of these 30 days when I sent them the paperwork in their own postmark paid envelope. The mail went out on XX/XX/2021, 2 days after receiving their request, and I diligently made a note of that. This is illegal practice by this bank. I did everything in a timely manner, I received the letter on the XXXX, and mailed the requested documents out to them on the XXXX of XXXX. Somehow, my paperwork fell through the cracks within BofA organization, or was sitting on someone's desk under a pile and got forgotten, and for that reason I am being penalized by BofA because they failed to process my information in a timely manner on their end. This is UNACCEPTABLE. This bank is clearly not practicing within the boundaries of their own time regulations. They have no right to close my account without properly checking their records, reading notes, checking the dates. They simply closed my account. End of story.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00}

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 2021-07-07
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem 1 : As of XX/XX/XXXX I had an escrow balance of {$8300.00}. 
After that, I made my normal XXXX mortgage payment which included another {$1400.00} of escrow. 
My total escrow amount should be {$8300.00} + {$1400.00} = {$9700.00} Currently, my current escrow account shows only {$8000.00}. There is a difference of XXXX. 
As of today, Freedom mortgage did not make any escrow payment to anyone that could explain the discrepancy., I contacted Freedom Mortgage on XX/XX/XXXX by there secured email. I still have not receive an answer or an acknowledgement of my inquiry. 

Problem 2 : I have just recently refinanced with another mortgage company effective XX/XX/XXXX. XXXX XXXX taxes are due by XX/XX/XXXX. Freedom Mortgage has not made a payment to XXXX XXXX and is not responding to my request to refund me the unpaid escrow balance. 


Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: 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'm nervous and shocked! My credit score is so bad! What happened to my account? I cant even sleep and eat! Someone hacked my personal information because otherwise I don't understand how I get these accounts on my name

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 2021-02-23
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: Personal information incorrect

Complaint:
The companies allowed incorrect invalidated information to my profile, addresses that are not mine they refuse to remove & they refuse to take off negative accounts. I only have one address and sent them certified mail an information update form that they kindly ignored to follow. Then the customer service agent was rude and told me she didnt want to hear my complaining.

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 2023-02-23
Company: EQUIFAX, INC.
State: SC
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, 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 are not my accounts. Please remove them. I am not a credit repair company, nor am I a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed down my XXXX internet account in XXXX of XXXX. At the time of closing I was told my account was paid up and it would cancel on the specified date. However, after cancelling there was one more bill of approximately {$60.00} that I was not made aware of at the time of closing and therefore missed the payment. It wasnt until pulling my credit report in XX/XX/XXXX that I saw there had been a collection made on my account due to the missed payment of {$60.00}. I immediately called XXXX to understand the situation and they told me by making the payment right then the derogatory mark on my credit report would be removed by the third party debt collector, Radius Global. After settling the debt with XXXX  I called Radius and they informed me the first time that they could not remove the late pay from my credit report and that it would need to be XXXX. I spoke with XXXX billing, collections, customer support, technical support, and their XXXX mailbox, all of which advised that since the collection went to a third party the 3rd party would have to remove the mark and they said we would remove it but can not since its been transferred to a 3rd party. When I called Radius back they told me they will not without written authorization from XXXX, due to high up executives at XXXX prohibiting this. I then called XXXX back again and the representative I spoke with in Collections said in her 18 years she has never heard of this happening and that the 3rd party can and should remove the mark from my credit history - there is no high up executive policy that prohibits it. The rep escalated the issue to her manager, and her manager spoke with her superior and all confirmed what the Collections rep told me, that the 3rd party can and should remove it from my credit history. 

Each time I contact either XXXX or Radius they continue to push me back to the other and say its their problem. XXXX says they would remove the mark if they could buy since its with a 3rd party they can do nothing. Whereas Radius says they would remove the mark if XXXX gives them written permission. However this debt has been settled and and neither are willing to help with the situation.

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.

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 2021-07-07
Company: Collection Consultants of California
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:
On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. COLLECTION CONSULTANTS, Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried and tried to contact Navient, but get no response. They claim I agreed to some sort payment plan that has this ridiculousnessly high amount, when I dispute that and demand they show me something with my signature on it, they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: FIRST HORIZON BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, an outgoing envelope with check enclosed was stolen from my residential mailbox. The enclosed check # XXXX ( for {$140.00} ) was altered ( quite poorly ) as to payee, date, and amount. The amount was changed to {$8000.00} and was charged to my account # XXXX on XX/XX/XXXX. The theft was discovered on XX/XX/XXXX and immediately reported to the bank, First Horizon Bank ( FHB ) and the XXXX Police Dept ( police report # XXXX ). FHB has been unable or unwilling to reveal the bank or branch where the check was cashed. ALSO, the thief had to know the account balance from FHB in order to leave less than a XXXX dollars in the account. All information and forms requested by FHB were provided on XXXX. It has now been 77 days since the {$8000.00} was removed from the account. I have repeatedly requested of FHB to return the funds with NO response from the bank. I respectfully request your assistance. Thank you. XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TOWNE MORTGAGE COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From the first month our mortgage was bought by Town Mortgage we have had multiple issues. Those include : taking off of auto pay without knowledge, if you go to make a payment it takes days, when you call the phone hangs up, or you will be on hold for hours. I have sat on the phone with my wife to witness that we are the phone for 2 hours plus attempting to pay. They will transfer to the department and the call drops. I have also received no correspondence via mail or email. They will call at times and leave no voicemail. This is an impossible company to even talk too. My biggest issue is 2 major fraud issues. I have written documentation of both of them. The first was in XXXX of 2018. I had noticed the payment was sent back to me. When I called them Town Mortgage stated that I requested the return. When I called and stated that I did no such thing. Town Mortgage then stated that " It was actually your Credit Union sent us a letter to return payment. '' I contacted my credit union and they also stated no such thing. I asked them to do an investigation into the account which they sent an official and notarized form that no such thing had occurred. Town Mortgage stated they had the form from my bank, and sent it to me. I sent that to the bank and they stated that is not a form they have ever used, and the form was clearly made on XXXX with no letter head, no explanation and is clearly false and my bank verified it was false. This is a common practice with town mortgage. At the time I had the bank check, Town Mortgage had stated this has happened 4 times. My bank verified with their investigations department there was not one time. 

The other form of fraud was that also in 2018 they refused to pay the escrow amount that is supposed to cover taxes and home insurance. It was built into the loan and to this day they refuse to tell me what happened to this money. I had to pay additional taxes and home insurance. I had my insurance broker attempt to contact them about this money and escrow policy. They also refused to talk to him or explain where the money is. I also have a certified letter from the broker stating in 30 years he has never seen this, or dealt with a company that was very easily hiding money or altering a federal loan, and refused to communicate with. So they take escrow money refuse to talk about it, and they send payments back and falsify your own bank documents to try to get you to pay late fees. This type of practice needs to be investigated on a large scale. i was also contacted by an employee via email that stated everything that has happened is true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: MA
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, XXXX XXXX Account number # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: GA
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:
The credit bureaus are reporting inaccurate information on my credit report. I have never been late on a payment with XXXX XXXX XXXX and My student loans are deferred therefore I should not have any late payments reporting. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  has reported me as deceased, I am not DEAD Fix my credit 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 non-monetary relief
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
XX/XX/2020 I found fraudulent charges on my Visa account with Bank of America. I spoke with them by phone. They would investigate it. I received a letter with the response that they felt these charges were accurate due to the simple fact that I overlooked them for several months and did not complain about it till XXXX. These charges total over {$7600.00} from XXXX and XXXX XXXX XXXX. I do not and have never used these companies but admit that my book-keeper and myself overlooked those charges. This should not be acceptable because we trusted the system and Bank of America. I called them again and demanded a supervisor. The supervisor said she would re-open the investigation. A few days later I received another letter with the same response as the first letter denying the complaint and leaving me stuck with over {$7600.00} in fraudulent charges

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 2021-02-23
Company: Westlake Services, LLC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, XX/XX/XXXXWESTLAKE FINANC Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation