BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I spoke with bank of america back inXX/XX/XXXX for the first time I believe ( Not 100 % certain of date ) and I went to open and account and was informed I had an account with them already opened in XX/XX/XXXX orXX/XX/XXXX ( Can't recall exact year ) I informed them I have NEVER had an account with them. They informed me it was opened online and said an email was listed for me with A name of XXXX. I informed them clearly it was a fraud account. They assured me this would be corrected. They sent me A package to fill out for A fraud report. I filled it out and faxed them back. No response. Today I went into A branch to see if it was resolved and to open an account. They inform me account still shows I owe A balance. How!? I did not open this account!! I need help getting this resolved.

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 2018-09-11
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I'm getting duplicate overdraft fees that feel rather predatory in their issuing. I contacted US bank to resolve it, but they wouldn't do anything.

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 2018-06-22
Company: EQUIFAX, INC.
State: MD
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:
I submitted a request for a credit card with XXXX XXXX bank and it was declined because of information from equafax that wasnt up to date because my credit limit on tw cards were increased by a total of {$3000.00} which made a big difference with % of credit availability. I filed a dispute with cfpb because for over the limit amounts are updated mostly the next day but it had been almost 3 weeks and it wasnt updated. I was sent an email saying it had been resolved but I couldnt get the results on line and when I called I was told the didnt have any disputes from me. After I file the dispute my credit score with XXXX went immediately down while the went up with the other two agencies. I was sent another email from them saying it was ready to be viewed but I wasnt able to view them again. Equifax also sent out information on my new balances without mentioning the increases intentionally trying to lower my other scores. I would like to know the agency that I can file a discrimination complaint and a retaliatory complaint for them intentionally trying to limit my credit and ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am XXXX years old and do not use email, but to apply for my card I used an email. I asked that my bills be mailed to me, bc it is the only way I am sure my bills are paid. I have been in and out of hospital & friends know to check my mail for important things. My statement was never mailed to me. I asked my daughter to contacr capital one to tell them I did not receive a bill. she paid the past due payments, & asked to have the bills mailed & checked the address. I have not received a single bill to date and I have been in & out of care the last few months, so I had someone getting my mail & paying my bills. Now that I am back to recovering, I see that my account is blocked, still no statements or bills. I am sure my credit has been terribley affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I receive a free XXXX score from XXXX tied to my XXXX XXXX card. I am told that XXXX uses XXXX and they are reporting my credit score as XXXX. 
I also have an XXXX XXXX card and they all make my XXXX score available to me and they use Experian and they report my credit score as XXXX 
As a consumer I do not understand why when the term " XXXX score '' is used there is such a large difference in the numbers.

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 2018-06-22
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After Hurricane XXXX, ( XX/XX/XXXX ), I received a call from a Dovenmuehle customer service rep who said as I was a valued customer, I did not have to pay XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX mortgage - it would be tacked on to the end of my loan. I explained to the rep that the hurricane did minimal damage and I was ok to pay but she asked " Who wouldn't want XXXX months of free mortgage money '' " You could go crazy with your XXXX shopping '', " Everyone is doing it ''. I asked at least 4 times if she was absolutely SURE that come XX/XX/XXXX, I wouldn't be hit with 3 months back mortgage and she said " no, we are doing this to help out our customers..it 's being added to the end of the loan ''. In XX/XX/XXXX when I didn't pay, I received a letter saying i owed XX/XX/XXXX so I called and was told " Those are auto generated, you can throw them away ''. This happened for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. Sure enough..come XX/XX/XXXX, I was told foreclosure proceeding were going to be starting if I didn't pay {$2400.00}. I tried and tried to fight it but was told, " We would never say that it would be tacked on to the end of your loan '' ... but that is exactly what I was told. I ended up paying the past due to save my house. My credit is ruined, I had to pay late fees and they need to be held accountable. I'm sure I'm not the only one they said this to. It's ethically wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the past 8 months I have attempted to get Equifax to remove incorrect information listed on my credit report for an account. I have provided them with proof to show that the debt was satisfied months ago. The creditor refuses to admit fault and correct their mistake. This negative reporting has impacted me negatively. Paid debt to XXXX XXXX XXXX in XXXX on XX/XX/2017 to settle account. Spoke to rep over the phone who advised me they could not take my payment over the phone. I was ill that day. I got up and went to the bank on XXXX XXXX to make the payment. The line was long. I waited. I checked in on XXXX so there is a time stamp of my visit. I was attempting to pay and was told by the rep that I could not pay by check to close the account. The bank was closing so they allowed me to do the transaction as electronically using my debit card. The rep thanked me for coming in and reassured me there would be no impact to my credit report. A week letter my credit was hit negative reporting of delinquent account and now charge off. I called the bank several times.I spoke with the bank manager. I spoke with the call center. I spoke with the call center manager. Each agreeing to remove the negative remarks, but no one has. I need help protecting my FCRA rights to accurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have consistently called Citizens One to find out when my next monthly payment is due ( I have paid a number of payments ahead of schedule ) to sequence when I want to pay off my car loan. 

Wait times are over one hour on the call, when I do have somebody to talk to twice I have been disconnected. It seems like they have put no resources into servicing loans, and it is frustrating. It should not be this hard to talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 customer service

Complaint:
Attached, please find a formatted complaint in PDF. 

I filed a complaint on XX/XX/2018 against the company and in a letter dated XX/XX/2018 they replied with many and many lies and disinformation, following are some of them : 1. They failed to address the fact and issue that of the hours and hours of wasting my time going over the same old directions be the prior reps while this were already high ranking reps from their executive office, they didnt even have notes about some of the prior phone call, indeed I was promised in one of my phone calls by XXXX who undersigned the reply letter that she will check it out and will get back to me with answers as to why this was like that, but instead she as well as the other just decided to just hide the facts and just try to get away with lies in their reply and not to address the core issues. 
2. How will a mock enrollment help, if it wasnt done on my specially on my account, this is so stupid, as there maybe certain factors that are on my account while not on their mock account and if they tried it on my account, so how come they just didnt enroll my additional account while themselves while doing that mock enrollment. 
3. If there is no way that I can enroll that account, why would it be so difficult that there back office should just do it, this is just an issue of adding an account to existing functional online access? 
4. They claim that a digital technician tried contacting me XX/XX/2018, this a blatant lie, as I have a record of all of such a phone call, besides the fact they even failed to specify what type of security standards failed. 
5. I was already in United States since then and even tried to enroll while there and no luck, so they are simply declining from taking responsibility for their failed acts. 
6. All their troubleshooting steps where completed and the undersigned of that reply letter knows that, so whats her point of writing it? While that failed? 
7. The claim to trying to reach the customer while there is a suspicious charge, this was not the case here nor did they even allege trying to reach me, so the question is even bigger, if thats their policy, how come they didnt bear by their own policy of trying to call me in order to verify that charge. 
8. The reply letter also simply ignored and didnt address the XX/XX/2018 complaint filed. 
9. Lastly, upon receipt of their reply letter I made sever attempts to call the undersigned of their letter and had no luck reaching her and I wasnt lucky enough to even receive a return call after leaving her a voice mail to return my call ASAP and letting her know that if I will not receive any return call, I will be filing this complaint again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage

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 2016-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a XXXX collection listed on my personal credit report, I have disputed with Experian and they stated they investigated which is false I took it upon myself and called XXXX and I do not have this account or owe ANYTHING. Please help I do not know what to do now. Experian is n't doing anything about this and this remark needs to be removed 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 non-monetary relief
Consumer complaint received 2018-06-28
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up a one time online payment to pay off one of my loans with Discover Student Loans on XX/XX/XXXX. On XX/XX/XXXX, the pay-off amount ( {$5300.00} ) was withdrawn from my bank account twice. The extra payment does not show on Discover 's website, but I have sent them a bank statement that shows a double payment, which they have acknowledged. I have contacted them several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and all they will tell me is that they have not located the " missing payment '' and to wait 2 more weeks. It has now been almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed information on my Credit Report with Experian and XXXX. Both refuse to delete old accounts that are past the exertion dates or take of accounts like my old IRS bill that has been paid even after submitting proof. They will not allow me to dispute inaccurate information because they said I have already disputed it before even though things have changed since them, ie IRS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: EQUIFAX, INC.
State: NJ
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 is reporting 5 collection accounts that do not belong to me & must be deleted immediately, under FCRA EQUIFAX failed to timely investigate the dispute & provide proper procedure to handle the dispute. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$500.00} XXXX   # XXXX {$100.00} XXXX # XXXX {$270.00} XXXX # XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just realized that I had this debt on my credit file, never receive any kind of letter trying to collect or dispute the debt called the company and there were unable to offer me enough information in order to verify the debt, still got into an agreement to pay it, they told me it would be removed withing 15 days of my credit report, and my credit report still showing the collection charge.

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 2018-06-22
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received my mortgage statement for XX/XX/XXXX with a payment amount of {$9800.00} and when I add up what the document says I owe it doesn't add up. 
1. principal- XXXX 2. interest- XXXX 3. escrow- XXXX 4. other- XXXX regular monthly payment- XXXX total feels & charges since last statement- XXXX past unpaid amount- XXXX This adds up to {$8000.00} According to the statement I owe {$9800.00} I called to question the discrepancy and was informed by employee ID XXXX XXXX XXXX that she couldn't give me any information. 
Today I paid {$8700.00}. Where is the difference coming from? I also don't see an explanation for the fees totaling XXXX. This company doesn't answer my question but refers me to the bankruptcy attorney and they don't give an explanation. I really believe they aren't trying to assist me with keeping my home on any level. I need answer and cooperation with keeping my home through modification and forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
i look at my credit report and it shows a report on exprian that still on there system but all other credit bureaus is not there and removed it because it was paid and and updated from please please please have them remove this incorrect report wish i have documents that i payed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. 

On XX/XX/XXXX, XXXX XXXX reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. 

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on 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 explanation
Consumer complaint received 2018-09-11
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: Account information incorrect

Complaint:
XXXX XXXX is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.

Company response to consumer: Closed with explanation