BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Me my wife applied for Mortgage loan at Bank Of America. They told me that they will give me the loan amount I asked if I buy a house in a certain zip code. I told them I want to buy a house in XXXX county MD and specifically in Zip Code XXXX, XXXX and XXXX. They told me they will not give me a loan to buy in those zip codes. They said that they will give me a loan if I buy in certain zip codes only. We have excellent credit score, have assets more than the loan amount. The reason they don't want us to buy in those zip codes is that they said my wife have only one line of credit even she have more than 700 credit score which is excellent. For me I look it like this. Most poor people don't have more than one credit card ( line of of credit ) and they want those people to buy only in certain zip codes may be they don't want them to live in good neighborhood. The loan office is : XXXX XXXX. e-mail : XXXX Phone : XXXX His manager is XXXX XXXX e-mail : XXXX Phone XXXX. I talked to the manger and and he told me the same reason. Also the manger told me that even we have good income, good credit score and enough asset for down payment and so on, we are still risk borrower. We are XXXX XXXX and we emigrated to this country and we suspect that is the reason they don't want to loan to us. May be there are other reason like our age and others we don't know why they discriminate us. I have e-mail that I received from the loan officer for refusal to get loan in those zip codes. 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 2022-01-12
Company: EQUIFAX, INC.
State: NC
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:
Found some discrepancies on my report I did no authorize. One account that is showing different amounts for each bureau and at least 4 inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 at around XXXX XXXX Central, I went to BoA ATM at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX to deposit cash { {$7500.00} }. ATM after taking my card and cash { 75 {$100.00} bills }, returned 9 {$100.00} bills after 2 3 minutes and thereafter machine went un-responsive. Then machine re-started and in process I lost my {$6600.00} and Debit Card. I saw one BoA employee coming out of bank and asked for her help. She expressed her un-ability and asked me to call at number on ATM machine and come to branch next day. I called BoA support and after delay of 4 5 min, BoA agent started helping. He asked me location of the BoA ATM. I told him that I have ATM ID but he was keen on getting the physical location of Bank. I dont understood why BoA doesnt have address on ATM machines when agents are expecting address rather than having ATM ID. Somehow, we got the location of the ATM by sharing the street address and near by landmarks. Then, I narrated the whole incident to agent and was assured that required complaints for missing cash and new card are logged. After that when I reached home, I saw a request for new Debit card but saw nothing in BoA application with respect to lost cash. I thought system might take sometime and by next day morning, I will see something. 

Now, on XXXX I didnt saw any claim # for missing cash and as advised by BoA employee, I went to bank for help { Till now there is no claim # in BoA application }. The BoA employee on floor who was attending to customers told me that nothing could be done from branch and everything will be done via call. Again, I dont understand that why BoA employee on XXXX asked me to visit branch when everything will be done with phone calls only. Since then my apathy continues. There is no communication from BoA on what is happening on the money taken by machine and I am being told to wait for 10 Business day.

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 2020-09-17
Company: Arbor Professional Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The City of XXXX XXXX provided an ambulance ride and billed it to my health care provider incorrectly and they denied payment, this is a municipal agency that used tax dollars to pay their employees and should not initiate collections as they are compensated by taxes for service. They turned it over to Arbor Professional Solutions XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for the supposed balance due of {$580.00} and they in turn filed a collections notice on my clean credit report and did it without trying to collect from my health insurance ( which deductible has been met and should pay ) and also without waiting the required 180 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: ALLY FINANCIAL INC.
State: MA
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 spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.

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 2022-08-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have 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 2020-12-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-09-17
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Im not sure of the exact date but on or around XX/XX/20 my card was locked. Due to excessive hold times it took me a few days to find out why the card was locked i was told due to identity verification which makes no sense having be the government has already verified me and i had the card for months. I have sent my id documents several times both by fax and by the XXXX  upload documents at XXXX. To no avail. 
I am writing this because I am very displeased with US Bank XXXX and unsatisfied with not only the fees and inability to find free atms in my area but also due to their terrible customer service, hold times, hang ups and inconsistency amongst staff. 

I have never had to dispute any transactions, deal with fraudulent purchases, replacing of debit card or rude ignorance and changing information among customer service reps with any other bank or prepaid debit cards. All of the issues Ive stated plus more that i dont find tasteful to even bring up. 

Im not one to complain but after three times having to have a new card sent, waiting to be able to use my own emergency funds twice for over twelve days, not to mention being on hold for hours repeatedly before the issues were resolved. This last time that I ordered a new card I was finally made aware that it could be shipped overnight for a {$15.00} fee. Something that was never mentioned or offered the previous two times. One time my card was cancelled and shut off due to the application opening in my purse and miscellaneous buttons being pushed at random. Another time due to a service I never used charging my account for a food delivery to an address I cant even find out to learn who and how my card information was leaked and used. 

I am not comfortable nor do i feel my private information is safe with this company I dont want to continue to rely on XXXX to keep my money at hands reach my information safe and not constantly worry that ill go to swipe my card and it not work AGAIN that ill wait on hold for hours AGAIN and have to have another card shipped AGAIN for reasons no fault of my own. 

Thank you very much for your time and for listening to my concerns and complaints in regards to XXXX  and us bank. I would rather wait a few more days to receive a check that only i can cash and know my money and information is safe then ever rely on XXXX  ever again. No one should be forced to use such a unreliable inconsistent company. 

Thank you 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 monetary relief
Consumer complaint received 2021-05-20
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Re : Attached SunTrust Mortgage Inc. 
Loan Modification Agreement # XXXX XXXX # XXXX Property Address : XXXX XXXX XXXX XXXX, FL XXXX PLEASE ADVISE THE STATUS OF THE ATTACHED LOAN MODIFICATION AGREEMENT. 


Thank you, 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 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-12-18
Company: EQUIFAX, INC.
State: NC
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:
This is my second time reaching out to you about this matter, but I am a Victim of Identity Theft from Equifaxs Data Breach. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. My claim number is XXXX for my Data Breach Settlement.

The accounts and addresses are not mine and were opened fraudulently. Please delete them from my credit report Permanently!! 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: NJ
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 recently returned to the US and learned of an a XXXX account that doesn't belong to me. I filed the necessary reports and would like the accounts removed from my personal consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We had a banking account with Simple, but it was shut down and our accounts were merged with BBVA Compass on XX/XX/2021. We tried to activate our new account with BBVA Compass so we could have access to our account and money, but we have been completely locked out. I have tried to call their customer support line, the one they said would be open on XX/XX/2021 ( Reference : XXXX  : XXXX ), and every time I call the person on the other end pretends they can not hear me and hangs up. It has been over 24 hours since we have had any access to our money, and BBVA has not contacted me or offered any solution that would actually fix the problem - despite the fact that I have tried repeatedly to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE INFORM AND PUT ON NOTICE THAT THESE ARE NOT MY ACCOUNTS THEY HAVE YET TO REMOVE THEM FROM MY CREDIT PROFILE.

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 2020-09-17
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX. I cant say this more emphatically, I have never had a XXXX  account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed all my accounts ( including XXXX checking, and XXXX   credit cards ) on XX/XX/2019. I asked the representative in bank but he said he couldn't tell me the reason otherwise others would know how to get rid of it. I was told that I would not be able to apply for any product from Chase ever. I have 25 days to move the money from my checking account. I don't see any inappropriate behavior on my accounts so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I just found out my XXXX XXXX is charging interest in a very crooked and unusual way using average balance calculations. I try to pay as much of the statement balance off as I can each month to avoid excessive interest. But, it does n't matter how much I pay, they charge interest based on some spurious average daily balance. I just noticed this on my XXXX statement, but has been happening all along. For example my XXXX statement has a prior balance of {$6200.00}. I made an ontime {$5000.00} payment. All other credit cards would have charged interest on the remaining balance of {$1200.00}. This card charged interest on a balance of {$7600.00}. This just feels very crooked to me. When I called them they said in order to avoid interest, the total balance must be paid off each and every month in full. If the balance is not paid in full they will charge based on the highest balance in the prior month, not the statement balance and not the statement balance minus any payments or credits. I do n't know if this is a legal practice, because it feels very crooked. I have attached XXXX 's statement for your review. This has been going on for a long time, I only just now notice.

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 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
between XX/XX/XXXX and XX/XX/XXXX I paid XXXX a total of {$3200.00} for the services of " XXXX XXXX XXXX '' a moving company that solicits business on XXXX They submitted fraudulent billing ie : billed too many hours and billed for workers who were not working and then they stole {$15000.00} worth of my household goods. I tried to resolve the issue with XXXX XXXX XXXX and I tried to resolve the issue with XXXX but XXXX refuses to take responsibility even though they allowed a criminal enterprise to solicit on their website, gave them fake reviews and did not screen them properly. XXXX claims they have no responsibility for for issues with movers who solicit on their website but they do not make this statement available for you to view before paying for their services. A sort of bait and switch routine as I see it. I tried to dispute the charges on my Capitalone Visa card but eventually they held me responsible for paying all charges. I believe they are in the wrong by doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have a very old student loan about 14-16 years old with XXXX. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with XXXX. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account.

I have one account with them. XXXX # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.

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