BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Heloc from XXXX countrywide home loan, that Bank of America took over CW complete portfolio during the Great Recession. BOA claims that they transferred the Heloc to Real Time Resolution in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Helvey & Associates Inc is reporting negative information illegally, unjustifiably, and refuses to acknowledge or respond to my request for retraction of their negative credit reporting. I have notified them initially by telephone, that a utility bill for property address XXXX XXXX XXXX XXXX, Florida must be removed from my credit report for there failure to properly notify me of this debt as required by both state and federal fair debt collection practices acts. It has been established by both myself and there customer service representatives that they sent the original dunning notice to the same service address that they provided the service too, at this property that I never lived in since it was a short term ownership for investment purposes. Since I did not receive the proper notification of this account being delinquent, this account ended up on my credit report without meeting the requirements under law for credit reporting. I followed up with them notifying them of this situation in writing on XX/XX/2019 ( Exhibit 1 attached ) - a correspondence to which I have yet to receive an acknowledgement or response from Helvey and Associates. This situation is extremely frustrating as I am being penalized on my credit report for an unfair, unjustified collection that I was never given the proper notification as mandated in FDCPA laws. This error, and Helvey Associates refusal to correct there mistake is causing me significant financial, emotional, and psychological damages due to my credit score dropping significantly- and not allowing me to refinance my investment properties or acquire new ones at the best terms I would be getting. These damages are in the tens of thousands of dollars and I will be pursuing a legal claim for them if this situation is not rectified immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a credit card with American Express in XX/XX/2017. It had a promotional offer that a bonus would be paid if {$1000.00} was spent on the card within the first 3 billing cycles. The terms stated that a cardholder was only eligible for the bonus one time on that card. Several years ago I had a separate American Express card, what I believe to be a different product with different terms. I spent over {$1000.00} on my current card, but was told that I had signed up previously for this card and they would not honor the terms of the promotion. I did not know when I signed up for the card that they did not find me eligible for the promotion. I received a letter in the mail saying I was eligible for the offer. If I was not eligible why were they sending me mail. I thought that by receiving the offer that I was eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: SYNCHRONY FINANCIAL
State: NY
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 following account is appearing on my credit report without any authorization, it does not belong to me, it is hurting me dentity Theft SYNCB/XXXX  Account Number : XXXX This is not mine.

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 2020-09-08
Company: Caliber Home Loans, 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 status incorrect

Complaint:
Hello, We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right just before COVID19 Lockdown. During the refinancing, my profile was not changed but somehow they dropped the monthly debiting from my Bank and due to COVID lockdown, we are unable to open the postal mail on time due to quarantine and did not realized payment was late as I was under the impression that they have my Bank information already. I never received any email nor any text message on this late payment and we were so focused on protecting our self from COVID virus. The moment we got to know, we paid all pending payment but they reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Convergent Resources, Inc.
State: FL
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:
This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. They continuously send me copies of a bill even after multiple rejections of this " evidence ''. I have requested validation and not verification multiple times to no avail which leads me to believe they have no binding contract and are reporting this information illegally.

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 2022-01-06
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied to refinance my loan. There were several barriers that I was faced with before going to closing they said there was a lien on my home. The lien did not belong to me, they said they needed to find out how money is dispersed from my 401k. After a month of sending them documentation they said I had to remove a dispute from my XXXX credit report. I had the dispute removed and told them my credit report had been update. They said having an updated credit report was not good enough and that I had to fill out a form so they can have the dispute removed. I was told my credit was not going to be pulled. My credit was pulled after I submitted the form and the loan was denied because my score went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: WA
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:
On the last XX/XX/2021 I was charged for {$500.00} from XXXX for a rental car. I called the bank because I didn't rent any car, I live in XXXX wa and the purchase was made in Fl. So the open a claim and they made the refund of my money and they provided a new card, but the next month they debited the same amount and they said it seems like I made the purchase, I called to XXXX and they told me they received a request for a rental car but it was canceled and nobody rented any car under my name and it wasn't charged anything from them. I called the bank again and I open a new claim for the same reason and they still responding that I did that purchase.

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 2018-02-13
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I live in Maryland and was on vacation in Florida for the month of XX/XX/XXXX. 
On XX/XX/XXXX I went shopping at XXXX outlet and purchased {$40.00}. The shop clerk convinced me to open an account so that I could get a discount, which I did. The credit card bill was sent to my home in Maryland. I got home to Maryland on XX/XX/XXXX found the bill from XXXX and put a check in the mail the next day, XX/XX/XXXX for the full balance on the account. 

Today, XX/XX/XXXX I received a bill from XXXX for {$69.00}!! I called their " customer service '' number and was told that my payment was received on the XX/XX/XXXX, which was two days late and I have to pay the {$29.00} late fee. I suggested to the " customer service '' person that this was outrageous and was told " your payment was late and now you have to pay and how is that outrageous ''. Seems like I've been set up and robbed. 

This is a XXXX XXXX credit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: IL
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:
I used XXXX XXXX to book accommodations in XXXX XXXX XX/XX/XXXX thru XX/XX/2020. Due to Covid shutdowns in my home state Illinois which began prior to arrival XX/XX/2020 and Louisiana which began XX/XX/2020 I was unable to travel, also this was in accordance with CDC Federal guidelines. Also my cancellation which was made on XX/XX/2020 and I asked for a refund and received an email indicating I would be refunded in full. I used 2 credit cards and did receive full refund on the amount charged on one card, but did not receive a full refund on the second. According to XXXX XXXX policy I am due a full refund. The policy states if booked before XX/XX/XXXX, I booked on XX/XX/XXXX, and travel thru XX/XX/2020, I would receive a refund in full, and the email I received also states the same. I received partial refund of {$59.00} when it should have been {$300.00}. I disputed this with Citibank Visa, who issued a temporary credit, but now have been told by them the refund would only be {$59.00} take it or leave it. I need your help to receive a full refund from them.

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 2020-05-24
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: Their investigation did not fix an error on your report

Complaint:
I made several requests for investigation and validation of information on my report from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: WELLS FARGO & COMPANY
State: UT
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 was charged 5 overdraft fees of {$35.00} on XXXX and XXXX. I was told we where going to be given 48 hours to correct any negative balance which I did. These transactions were accidental ach payments for less than XXXX  each

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 2020-07-07
Company: CITIBANK, N.A.
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 am contacting you regarding 30- and 60-day derogatory marks that appear on my three credit bureaus reported by Macys DSNB XXXX and XX/XX/2020. 
I dispute these and demand a full removal of each 30- and 60-day late mark based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and XXXX XXXX so that this matter be resolved amicably and without any court intervention. 
Prior to the missed payments, I attempted to contact Macys regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. 
Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period

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 2020-09-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a home equity line of credit with wells fargo. the limit is XXXX XXXX 
I owed XXXX and on XX/XX/XXXX i paid XXXX XXXX  down. 
For the month of XXXX, XXXX and XXXX Wells Fargo is reporting that i owe XXXX XXXX and this puts my at 40 % credit usage and my credit score is  going down significantly. 

I disputed with XXXX and on XX/XX/XXXX i received confirmation that my dispute was completed and nothing was changed. 

I complained to the bank several times and every time i'm being told that they are investigating but meanwhile my credit score has gone down over 15 points that will most likely take me a year to get back. 

this is a simple fix, just report the correct information but i cant get anyone from XXXX or wells fargo to listen.

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 2018-02-13
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Got an offer from the Citizens Bank for opening a checking and savings account, and got account opened and funded online at XX/XX/XXXX. Received a letter from the bank dated XX/XX/XXXX, and said the accounts were closed without giving a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Klarna AB
State: IN
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:
Consumer Financial Protection BureauXXXX & KlarnaLetter of ComplaintNever Received Numerous Refunds ( # 1 ) XX/XX/XXXX Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services. 

I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds. 

Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time. 

My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them. 

I look forward to hearing from you very soon. I appreciate your time & attention to this matter. 

Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) XXXX XXXX ( CEO ) XXXX XXXX ( CEO Chairwoman ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ... 

XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX XXXX, and TransUnion in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.

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 2018-09-28
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: Old information reappears or never goes away

Complaint:
Bankruptcy is on my credit report and I was told that it should fall off my credit report within 7 years, it has been more than that and I would like to know why this information is still 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