BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 attempted to work with Bank of America on numerous issues and so far, Ive been coldly told, I do not garner their respect, by numerous representatives. Ive asked for at least 3 late fees to be removed, 2 of which took place the " EVENING '' the payment was due, and I was told, that based on my relationship with this company, I would not be able to request or get anything. I have also asked for a couple interest charges to be returned to my, as transfer interest, purchase interest and such, has increased once this company closed my account for no reason at all. I believe, that I have been charged at least {$1100.00} in interest higher than I signed up for and have been charged with over $ 230- {$300.00} in late fees, during times I have had complaints against BOA with the CFPB. In addition, I believe Bank of America has treated me unfairly because I have complained about them assessing a late mark on all my credit reports back in XXXX 2016, when I was TOLD by their own rep, what to pay and what I could do to avoid being late. This issue has still been unresolved, no matter what BOA claims.

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 2017-11-12
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:
On XXXX/XXXX/XXXX, I upgraded my amex XXXX XXXX  card to an amex XXXX XXXX card for an upgrade offer ( offer code XXXX ) of XXXX bonus points after meeting XXXX} spend ( attached, XXXX offer ). I met the spending requirement during my first statement cycle ( attached, XXXX statement ). The terms of the offer ( attached, XXXX terms ) stated points will be awarded within 6-8 weeks of meeting the spending requirement. After not receiving the offer points after the 8 week deadline, I reached out to amex. A case was opened on XXXX XXXX XXXX ( case # XXXX ), with a resolution time of 6-8 weeks. After the 8th week, I again contacted amex for information on the resolution. I was told no decision was made and that another case will be opened. This second case was opened on XXXX XXXX, XXXX ( case # XXXX ) with a resolution time of 6-8 weeks. Almost one month has passed during this second case, and I am again told that Amex is waiting for the XXXX department to award the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First Tennessee Bank allowed a series of fraudulent deposits to be made by The Tennessee Department Of Labor. XXXX XXXX XXXX XXXX did not report their tax ID number to the Tennessee Clearing House. Taxes was n't being paid on me. XXXX XXXX did not report my date of hire, the date I was laid off or my buy date to the department of labor. XXXX XXXX pulled my employee records & got this information to me. The amount I was suppose to be paid was n't reported to the department of labor in the state of Tennessee. First Tennessee Bank allowed employees with the department of labor to create checks in my name. Their routing number is on the checks. First Tennessee Bank tried to delete the images to keep me quite. The employees offset the deposits using the bank deposit slips. I filed a medical malpractice law sue in XXXX. In XXXX when I began with my depositions. I happened to be under wage earner. The wage Warner attorney reported my law sue as workman 's compensation. All of my records became public, without my knowledge. Of course XXXX XXXX told me what happened. The malpractice attorney asked for XXXX dollars. I guess the citizens in XXXX thought they hit the lottery. The XXXX Family took Complete advantage of the Government. They changed the buy date to XX/XX/XXXX to steal additional monies from the government. XXXX XXXX insured a series of people. XXXX XXXX  was the agent that added a different number at the end of account number. The account number was XXXX XXXX XXXX. People paid for car warranties to service cars. XX/XX/XXXX $ XXXX-spp in XXXX -car warranty XXXX. People had services sigh XXXX XXXX XXXX with code names to identify each other. This is organized crime. XXXX XXXX  participated in this. Transaction from Tennessee department of labor. TN UI Payments XX/XX/XXXX-XXXX & XX/XX/XXXX-XXXX. This money did n't belong to me to be disbursed in the manner it was disbursed. XXXX XXXX XXXX bills was being paid that did n't belong to me. On XX/XX/XXXX-acount number XXXX was paid. The amount paid was {$360.00}. This was n't my account number before First Tennessee Bank took my home at XXXX XXXX XXXX. XXXX TN XXXX. Different mortgages was paid to XXXX XXXX XXXX with Government funds. Using my social security number & drivers license. On XX/XX/XXXX a complete XXXX bill was paid. The ref # is XXXX. A series of XXXX bills was paid. XXXX payments was made to steal XXXX XXXX XXXX  insurance, XXXX, & accident. Different people used my insuran e. Everything has been taken from me with the bank help. When I reported everyone deleted information, rather than admit you failed to notify me of the fraudulent activity. Checks was being used with my account numberXX/XX/XXXXXXXX amount {$90.00}. check number, XX/XX/XXXX-XXXX- {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Was an authorized user on a Bank of America credit card. I have since been removed.

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 2017-11-14
Company: EQUIFAX, INC.
State: FL
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:
Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

XXXX Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type BankXXXX and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX and S XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX fraudulent inquiries XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX. XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX De XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
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 status incorrect

Complaint:
I had closed a rental account XXXX XXXX on XX/XX/XXXX the company report on XX/XX/XXXX the account is still open, I contact them on that day and the correction was made and reported on XX/XX/XXXX. I contact Equifax and XXXX about the matter to dispute the error, to the day XXXX  have not send my a report they actually got the removal alert and removed the account later to replace it. On XX/XX/XXXX the account and inquires was removed to only reappear on XX/XX/XXXXalso the exact same thing with Equifax. On XX/XX/XXXXI  contact Equifax about some many types of errors that was accurring on my report from inquires that have been removed then back on to accounts closed and removed to reappear, address that I never seen nor lived, my name being removed and added back. As a victim of ID theft I have lost so much faith in the credit reporting Equifax, XXXX and XXXX are crocked and scamming great americans how they are reporting, they make you believe its the company reporting I go after the lender first before even contacting them, I been fighting with thes BIG BOSSES for over three months and have gotten no where, next thing coming is to take my saving a hire a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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: Account status incorrect

Complaint:
XXXXXXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports XXXX and TransUnion which received documents showing results as well XXXX XXXX responded to 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 non-monetary relief
Consumer complaint received 2020-09-24
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt collector that keep placing an account on my credit report after it has been removed. It has been removed twice before and they wait for 2-3 months an place it back on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
File # XXXX reason : reason- I contacted Transunion on XX/XX/2019 to dispute inaccurate reporting items listed in my file.I do not believe it is correct. Transunion sent me back a dispute result where they claimed to have verified in which Transunion has not furnished any documentation whatsoever which means they are reporting false information.

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 2022-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, Citizens Bank, escrows our property taxes. They made an error when entering our 2022 property taxes. They entered a total of {$36000.00} for our property taxes, but our total property taxes are {$10000.00}. This has caused them to increase our mortgage payment by around {$4000.00} per month. Our current escrow balance is {$14000.00} - far in excess of what it needs to be to satisfy the annual taxes. 

We have submitted evidence of our actual tax liability and Citizens Bank confirmed they received it, but they will not change it. 

I called on XX/XX/2022 to notify them of the problem. At that time, they requested I fax them the property tax information from my county, which I did. They told me it may take 5 business days to fix the issue. 

I also mailed them a letter on XX/XX/XXXX notifying them of the problem and the evidence of that. 

My husband called on XX/XX/2022 to follow up, because it still had not been fixed. They told him that it would be fixed by XX/XX/2022. On XX/XX/2022, I called and I was told it might be done by the XXXX or XXXX. I spoke with three different people, and I escalated the issue as far as I could. Each phone call took more than an hour. 

On XX/XX/2022, they again drafted the inflated mortgage payment and have taken no action to change it. On XX/XX/2022, my husband called again, but after another hour phone call, the problem was not fixed. 

During my XX/XX/2022 phone call, I requested that we removed from escrow. I stated that I would pay my property taxes myself. They told me that if I did that, I would be charged a fee, which would be a percentage of our mortgage, but the agent said they could not tell me what the fee was and that I would only find out after it was charged. I declined this, because I didn't think it was correct that I should pay a fee in that situation, and because of the unknown amount of the fee. 

At this point, we don't know what to do, and don't seem to have any recourse to stop the mortgage company from stealing our money. At this time, out mortgage payment is {$6100.00} and we have made significant financial sacrificed in order to not default on our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXXXXXX XXXX in XXXX XXXX responded numerous time 's to my complaint recently XX/XX/28 with CFPB that said argument they don't own this debt but still showing on all my reports XXXX and XXXX which received documents showing results as well XXXX XXXX responded to 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 non-monetary relief
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Capital one credit Card years ago. They cut the card off because they said they could not confirm who I was because someone got my information and they sent a card to Florida. That was fine I keep making payments and played it off. I did not heir from them for years and I assumed the account was closed and cut the card up. Then in XXXX XXXX-2017 I get a bill for fees on this account after not even hearing from them for years. I do n't have the card and I contacted them and all I get is the runaround about a password I no longer have. I have gone threw the hole proses twice and they tell me it will be taken care of but the next month I get another bill with more fees. I have had more ID problems as of late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX service. For 4 months, they continued adding unwanted services to our contract trying to increase our bill every month. I contacted them every month to cancel the services that were never ordered by me but somehow showed up on my bill. After getting frustrated with calling every month, I contacted XXXX and told them just to cancel the service. The representatives I spoke to told me that I ordered the XXXX channels and the basketball ( neither of which I am interested in ). XXXX also tried to take this fradulent amount from checking account numerous times without my authorization. They were disputed with my bank and reversed. XXXX is well aware of the situation and it really angers me that they have placed the account for collection and now impacting my credit score. If XXXX did n't breach the contract by adding additional channels that were not ordered by me, I would n't have to waste my time dealing with this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My credit score keeps going down and the reason given is that theres a high ratio between balances and credit limit. This is incorrect and incomplete information because I pay my two credit card balances in full upon receipt of the monthly statement. What appears in my credit report is merely the minimum payment due, not my actual payment every month. The only thing I carry a balance on is my newly acquired auto loan. I have a zero balance on everything else. This is incomplete and incorrect information on my credit report which causes my XXXX XXXX to be erroneously lower than it should be. 
I am recently widowed and have always had a XXXX XXXX above XXXX. This is causing me a great deal of stress. Thank you in advance for your assistance in this matter. 

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I successfully qualified for a HELOC loan from Regions Bank. During the loan process I was quoted rates for their Loan in a Line program verbally. At the time they were : 1. 3 year 3.375 % 2. 5 year 3.625 % 3. 7 year 3.625 % 4. 10 year 4.125 % When I went to closing on the HELOC loan the contract read rates much differently : 1. 3 year 5.65 % 2. 5 year 6.05 % 3. 7 year 6.75 % 4. 10 year 7.45 % I questioned the rates and were told these were n't the rates and they called the bank to get the current rates, which were the same as the lower rates listed at the top. I said that the contract did n't reflect those rates. I was told that once the funds were disbursed ( if I closed ) the rates would be the verbal rates. I told them I did n't think they were lying, but the contract did n't reflect what they were telling me. They asked if I would close if they could get a letter specifying the verbal rates were good for 30 days. I said yes. The next day the bank refused to put the verbal rates into writing and thus I did n't close on the loan. I only had 7 days to try to come up with financing or lose my deposit I had on a piece of land ( {$19000.00} ). During the next week Regions called to tell me the verbal rates had gone down and asked if I wanted to close the loan. I told them not without the rates in writing. Due to their verbal rates not matching their contract, I was not able to close the loan and thus loss my {$19000.00} deposit.

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 2022-03-02
Company: BARCLAYS BANK DELAWARE
State: CO
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:
On XX/XX/XXXX I made a report to Barclays Bank about a fraudulent charge by XXXX for XXXX on my account. A fraud investigation was opened by the Fraud Investigation Department on XX/XX/XXXX. I received a letter from Barclays Bank on XX/XX/XXXX stating that the investigation had been completed and that it had been determined as fraud and that I was NOT responsible for the charges. However, I continued to be charged by Barclays relating to this and I accumulated late fees on top of this. It was also reported to all credit bureaus as a delinquent/late payment in which my credit score suffered. I called Barlcays Bank on XX/XX/XXXX to have the charges removed from my account and for Barclays to report an error on their end with all credit bureaus. I was told that the charges and late fees would be removed from my account within 24 hours, and that they were escalating my file and that it would be resolved with the credit bureaus in 7-10 business days. It was not. I called again on XX/XX/XXXX as charges and late fees were still appearing on our account and our credit score had not been rectified with the credit bureaus. I was told again by an employee of Barclays Fraud Investigation Department " not to worry '' and that the late fees would be removed from my account within 24 hours and that they were ( again ) escalating my file that it would be resolved with the credit bureaus " guaranteed '' in 7-10 business days. Again, it was not. I called a third time on XX/XX/XXXX. They finally removed the charges and late fees from my account and AGAIN told me that they would escalate my file. This time I was told specifically that a letter on Barclays letterhead would be sent to the credit bureaus and to myself stating that it was a reporting error on Barclays end and that my credit score issue would be resolved no later than XX/XX/XXXX. I called again today, XX/XX/XXXX. I spoke with XXXX ( employee number XXXX ). XXXX told me that it had not been escalated at this time. I was told that she would again escalate it, but now it could take 30 days to receive a response. This issue, that we have been dealing with since XX/XX/XXXX, has significantly impacted my credit score and prevented me from important financial decisions.

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 2022-01-08
Company: EQUIFAX, INC.
State: TX
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:
XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

Company response to consumer: Closed with explanation