BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-20
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX contact Actions revenue recovery On the date of XX/XX/XXXX I seen this post on my credit years later I called credit company and they state they dont know where is came from but that its. XXXX reading I request to send me a copy of the bill and they stated they couldnt help me because they didnt know exactly where this bill was coming from if it was a XXXX XXXX or XXXX or XXXX wasnt very help full all they cared about was my money because they couldnt give me a explanation of why this was posting many years later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
i received numerous calls per day from this attorney. one day one of the assistant called me and told me she was on her way to my house because i owe barclays bank money. she told me i will be sue if i dont pay her that same day. i asked for summons and she said she will be at my house soon. she also told me she has contact the IRS to take my paycheck. i never received any letters from any collection company. today XXXX i received a letter in the mail from an attorney with a case number. after i searched this case number it seems they have been going to court since XXXX and not once did i receive a letter or summons of any lawsuit. this attorney has violated my fdcpa rights. they are trying to collect but are no records on my credit or mail of them attempting to collect this debt. to validate debt. show me proof of money owe. show me proof as per FDCPA Section 809 ( b ) validation has been requested and denied by creditor and attorney. still pursue to follow with lawsuit. FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre. violated FDCPA Section 807.FDCPA Section 811 ( a ) ( 2 ) Gearing v. Check Brokerage Corp Cacace v. Lucas , 775 F. Supp. 502, 505 ( D. Conn. 1990 )

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... Transunion, XXXX, & XXXX to this date XXXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over 18 hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.

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 2019-05-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Since BMO Harris rolled out its new online banking system recently, the bank is deducting funds from my account for checks sent through / by BillPay days before the biller receives and deposits/cashes the checks. The three most recent examples are below. The biller in this case is XXXX XXXX XXXX. 

In addition, BMO Harris no longer includes a hyperlink next to the debit entry ( online banking ) so that I may be able to review a scanned copy of the cleared check received by the biller. 

Finally, the FAQ webpage of BMO Harris, in the BillPay section states that funds will not be deducted from my account until the check is cashed. However, this is fraudulent. 

Most recent examples : XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019. 

XX/XX/2019 {$300.00} ; not received/cashed/posted until XX/XX/2019. 

XX/XX/2019 {$2300.00} ; not yet received/cashed/posted as of XX/XX/2019.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make first premier bank specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like this

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 2017-12-01
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
In XX/XX/XXXX, I saw an advertisement for BBVA Clearspend prepaid debit card. The ad promised a {$25.00} bonus credit if I opened the account between XX/XX/XXXX and XX/XX/XXXX and loaded {$100.00} on the card prior to XX/XX/XXXX. I opened the account XX/XX/XXXX and loaded {$100.00} on it on XX/XX/XXXX via a bank transfer from XXXX XXXX. The details indicated I would have the {$25.00} credit loaded on the card with 8 weeks. Starting in early XX/XX/XXXX, I called the support number listed on the website which is only number they provide - XXXX ( XXXX ) XXXX. I called three times and each time the representative agreed I was entitled to the bonus and they said they would send the request on to the appropriate unit within their organization. I do n't have the exact dates however they were approximately once every 30 days after the first call in XX/XX/XXXX. After the calls did not result in the {$25.00} credit, I mailed 2 letters, one on XX/XX/XXXX and one on XX/XX/XXXX, to the only address I could find for them which was the return address on a piece of mail sent from them regarding privacy. The address was XXXX XXXX XXXX XXXX, AL XXXX. They do not provide any mailing address on their website contact page ( https : //clearspend.bbvacompass.com/XXXX ). In the letters, I again requested that they credit me with the {$25.00} and I provided all the card information they would need. I received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Grant & Weber is trying to collect money that was not me I called and explained to them that the accounts wasn't me, and they still have them in my credit report. 

they alleged that was a medical related. However, I never admitted or hospitalized with any other hospital, excepts XXXX for delivery my baby in XX/XX/2016.

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 2019-05-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to postpone my sale date with PennyMac. First I was told my file was complete, then I was told it wasn't. Every time I tried to fax them something, it would take hours for the fax to go through, and I finally had to get their foreclosing attorney 's help in getting the package to them. I have complied with everything, but they continue to move the goal post, and I can not afford to reinstate. My hardship was that my fiance` and I parted ways, causing a disruption in my finances, a loss of income. I made the necessary adjustments in my life before I applied for the loan modification, as I am not confident I can support the mortgage on my own. One representative will tell me one thing, another representative will tell me another. I am in a panic. I have sent them a complete file. I obtained a Quitclaim Deed, then they wanted proof of hardship. I said the fact that he's not longer in the home and the Deed should be evidence of my loss of income. I was then told to send a bill that was in his name, that had to be switched to my name thereafter. I did so, and was told that wasn't enough. Please help! I am desperate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: Experian Information Solutions 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 recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX  XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make XXXX XXXX XXXX specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like this

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 2017-11-18
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have not paid on my mortage ( for a property I do not reside in ) since XXXX 2012. I have filled out the same packets of paper 2 or 3 times and have called several times, requesting to complete the foreclosure the process. Their military department changes the representative everytime I speak with them and no one can ever seem to locate any of the previous paperwork I have filled out, attempting to expedite the process. The property has been vacant for at least 3 or 4 years. They continually send correspondence for inspection costs, insurance costs, property maintenance, but will not send any correspondence saying qe can finally get to the end of this process. I feel they are just trying to drag it out as long as they can in order to get more money. I have filled out everything they have sent to me stating they can take custody of the property and even received something stating that they have done so and any further payments will be considered voluntary. Meanwhile we get monthly statements saying we are $ XXXX behind. I just want to get rid of this property and move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
State: AR
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:
Since I last reported Experian to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.

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 2019-01-08
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
The First National Bank of Omaha card agreement requires me and the bank to resolve all disputes through only the XXXX XXXX XXXX ( " XXXX '' ). 

A dispute arose between me and the bank. I filed a case with XXXX. 

XXXX sent me the attached letter, declining to administer the case because First National Bank of Omaha has a history of failing to pay XXXX. 

As of today, First National Bank of Omaha continues to list arbitration through XXXX in their card agreement. Clearly, they have no intention of arbitrating when a dispute arises.

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 2020-09-18
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I sent National Credit Adjust a letter in XXXX of 2020, asking them to verify the debt that they had listed on my credit, and I never received anything back from them. I called them a number of times and each time I called they would say they are waiting for the documents from the original creditor. Here it is XXXX and I still have not received anything from them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that USAA SAVINGS BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SUNTRUST BANKS, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never XXXX days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. 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 2018-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX a fixed term CD was opened with bank of America in which my child support was being held. I was XXXX XXXX XXXX at the time and the maturity date was set for XX/XX/XXXX which would have made me over XXXX XXXX XXXX. I was never notified by my guardians of this account that was solely in my name and someone closed the account other than me. I am holding bank of America responsible for unlawful release of my funds. And would like to file a lawsuit on whomever walked in that day and closed it. On XX/XX/XXXX it had {$12000.00} at a 2.6 % interest compounding monthly.

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 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 is missing that should be on the report

Complaint:
I filed a complaint with the Consumer Finance Protection Bureau a few days ago against Bank of America and XXXX XXXX XXXX. 24 hours after filing the complaint, which had nothing to do with the information reported by Bank of America on my credit report my closed and paid in full Mortgage loan was removed from my Credit Report. 
I received a phone call yesterday and voicemail message from Bank of America Regulatory Compliance Services XXXX ext XXXX. 

This call was a response to a complaint I opened regarding the banks non compliance with XXXX XXXX XXXX   settlement and {$10000.00} they owe me via a lien they refused to remove, even though they sent me a letter promising to do so. Once I tried to sale my home the Bank stated ignoring my phone calls and refused to talk to me. So during the escrow process I had to pay them the {$10000.00} or loose the right to sale my home. 

The removal of my previous payment history is retaliation and another example of the Bank of Americas unethical business practices. I called Regulatory Compliance   at Bank of America 10 times yesterday and they never returned my call. The EOscar system is being abused by Bank of America and it's a violaion of of my rights

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