BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a conventional 30 year loan/mortgage with Bank of America. I took advantage of the Federally mandated Covid relief regulations and went into forbearance for my XX/XX/XXXX through XX/XX/XXXX payments ( 11 consecutively skipped payments XXXX. My XX/XX/XXXX mortgage statement shows a balance of {$140000.00}, and did not account for my XX/XX/XXXX payment ( so the balance would be a little lower ). After regaining a more stable financial status, I resumed making mortgage payments for XX/XX/XXXX to present, and Bank of America sent me new terms for a Loan Modification. The terms are egregious and mainly serve Bank of America 's interest while simultaneously weakening my rights and ownership of my home. As a result, I sought to refinance my mortgage/loan with a different lender and with much more reasonable terms XXXX to include a much lower interest rate XXXX. The new lender, XXXX XXXX needed a loan payoff amount, so I first called Bank of America and spoke to a mortgage representative who twice quoted me a loan payoff amount of ~ {$140000.00} XXXX I have a voice/video recording ). I clearly asked the representative to include any and all amounts related to forbearance and skipped payments. However, when XXXX XXXX requested a payoff amount, Bank of American provide them with an amount of {$140000.00}. How is this not outright fraud/illegal? How does my mortgage increase by over {$7000.00} by going into forbearance for 11 months and the making the last 3 months payments? I NEVER signed any loan modification agreement as I was waiting to see the terms, and they are ridiculous. This seems to be another instance of a big and powerful financial organization further exploiting the financial hardships of a tax-paying, veteran homeowner for their own financial gain, regardless of the costs and negative effects. I have documentation/communications and recordings to backup/support all of this. Bank of America said they were recording the call ( s ) and I also said I was recording the call ( s ). The files are too large to upload XXXX more than you XXXX limit ), but can be provided upon request. I've also provided XXXX XXXX with statements from Bank of America.

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 2021-02-02
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I have called multiple times to Synchrony, emailed, etc. During a hard time where our country has been hit with a pandemic, I was advised by a customer service rep at this agent that under the customer assistance plan I was placed on, my credit would not be affected. However, this was not the case and even after writing to the CEO and speaking to customer relations, they are refusing to fix the incorrect reporting.

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 2019-04-25
Company: Experian Information Solutions Inc.
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 have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX   XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.

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 2018-03-20
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed Bankruptcy in XX/XX/XXXX, at the time my student loan with THECB was in forebearance. Upon the filing of my bankruptcy my loan was continued into another bankruptcy. I had not had any correspondence with THECB since XXXX   of XXXX. Towards the end of XX/XX/XXXX a representative from THECB contacted me in regards to my account being past due. I advised her that I had no knowledge of this information and would like to request for my loans to be put into forbearance or Income Based Repayment plan because I was not employed and on government assistance. The agent then stated she was willing to submit my request. After about two weeks, now XX/XX/XXXX I received another call from a gentleman with THECB requesting me to pay my balance. I did advise him that my loans should have been in forbearance due to the previous conversation I had with the last representative. He informed me that the last representative did not actually put me in forbearance and that I was misinformed, I would have to fill out a general postponement form for that. The following week I faxed XXXX the general postponement form. I did not hear from anyone else after this so I contacted them again XX/XX/XXXX requesting more information on my forbearance the representative stated they had not processed my request and to check back with them in the next week or so. I contacted XXXX on XX/XX/XXXX after I received a letter stating my forbearance request was denied. I asked them why they denied it and they said my loan was in default. After continuous attempts of communicating with XXXX over a three month period not one single representative told me my loans were in default nor approaching default. I wrote a letter to XXXX dated XX/XX/XXXX to their executive management team requesting them to remove my account out of default because I had been communicating and trying to resolve the past due loan with a payment plan or forbearance that could work for me since I was unemployed. The letter I received back from XXXX was to contact the credit burearus for any disputes. I was not disputing anything but simply trying to get my loans in a proper repayment plan. I contacted XXXX again XX/XX/XXXX and still received no assistance from this company only a request to pay them over {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
in XXXX 2011 Wells fargo took {$320.00} from my checking account for an over draft from another checking account that was over drawn, SinceI only had 1 account with wells fargo I protested and was denied any satisfaction. several months later the same thing happened with {$190.00} in my checking account and so forth, every time I deposited oney, I verified with bank there was no over drawn account, it was clear, several days or weeks later it would happen again. Finally we found out there was a 2nd invisible account tied to my checking account that was accruing overdrafts to the tune of {$1400.00}, the account was never closed and kept accruing charges, I paid nearly {$900.00} towards these charges before the bank manager closed the account. then several months later i was being served for debt in the amount of {$720.00}, whereas I was found liable and scheduled to pay this amount, I was able to pay approximately {$380.00} of this afterwards due to a XXXX I was no longer able to work. All told Wells fargo took around {$980.00} from my checking account and an additional {$380.00} from the judgement. I still do n't know if the account is actually closed or not, I can not get a straight answer from Wells Fargo.

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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus. 

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone has stolen my identity & XXXX will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
equifax, XXXX and XXXX  has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give equifax, XXXX  or XXXX  my permission to report said account.nor was i notified that this account would be posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Client Services Inc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 XXXX XXXX XXXX reinserted a collection account onto my credit report for the third time. This is my THIRD complaint against this company, complaint # XXXX & XXXX both times I've stated that I did not have an account with this company and both times I've stated that this company do is NOT license to collect in Texas, in my last complaint the company stated they were licensed per the Texas Secretary of State this company is not listed as licensed. Each time this company have removed the account from my credit report and then reinserted. This is illegal and I will be pursuing legal actions for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
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: Information belongs to someone else

Complaint:
XXXX, transunion and XXXX has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give XXXX, trainsunion or XXXX my permission to report said account.nor was i notified that this account would be posted to 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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2019-04-25
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A Collection agency can't engage in any unfair method to collect a debt by making it difficult to answer two simple questions. On XX/XX/2019 at approximately at XXXX XXXX, a phone call was placed to XXXX XXXX XXXX , XXXX at XXXX that was recorded and l spoke with representative XXXX XXXX. I asked her what information pertaining to their records do they have about the account in question and she acknowledged receipt of my letter for request for validation however, she would not confirm the account was in dispute by refusing to answer the question, Is this account in dispute? 

After she continue to refuse four different times, I was involuntarily switched over to another representative who identified himself as XXXX employee ID # XXXX and he finally admitted that the account was in dispute however he refused 5 different times to answer the question, When was the dispute letter received? before admitting that he wasn't even sure when they received the letter but stated that it was updated on the XXXX. 

According to the Fair debt Collection Practices Act by law a debt collector has to acknowledge that an account is in dispute and show when the letter was received Also please note that on XX/XX/2019, I sent a dispute letter, requesting validation of debt for {$680.00}, dated, XX/XX/2019, for account number # XXXXXXXXXX on XX/XX/2019, that is attached with this 30 day non response letter, along with the bill, certified receipt and proof of receipt.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, also I did receive confirmation via certified mail that they did receive my letter on XX/XX/2019 at XXXX. Also they should also be aware that if they report such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm surey their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I look forward to hearing from them. 

This is an attempt to correct any and all records, and any information obtained will be used for that purpose. Communications to and from me the consumer may be monitored and/or recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Santander Consumer USA Holdings 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 started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was promised XXXX XXXX XXXX bonus miles for opening a savings acct and keeping {$10000.00} in there for 60 days. They promised they would pay the XXXX XXXX bonus miles within 90 days after the requirements were met of having {$10000.00} balance for 60 days. We are beyond that date threshold and the miles bonus is still not paid. 

This is deceptive and abusive approach for Citi to entice consumers to open accts with the promise of bonuses but not pay them as advertised using their disclosure. 

opened account with required minimum {$10000.00} on XX/XX/XXXX and kept balance for 60 days. 
The bonus should have been paid by 90 days or by today XX/XX/2021 and it has not. Citi bank does not seem to care that they have not met their disclosed timeframe to me and are saying for me to just wait. 
this is bad for consumers. They have been doing this to a lot of people and they should be penalized with UDAAP civil money penalties for consistently violating fair and accurate advertising to garner deposits with the lure of bonus $ or miles only to ave the consumer have to fight to get the bonus paid. 

Please have them deposit the promised XXXX bonus miles into my XXXX XXXX Acct thanks 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 non-monetary relief
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or  4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Care Credit XXXX XXXX. I have tried multiple times to have this item removed from my credit files but it has not been. Care Credit has also removed this item three times, but added the account back to my credit files every time. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. XXXX/Care Credit ... balance : {$12000.00} ... date opened : XX/XX/2014. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.

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 2019-04-25
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivables Solutions is continusally calling my phone and leaving robot messaging on a debt I do not owe. In the past I requested for them to send me documentation confirming the debt. However they send me a letter back stating they could not find me in there system. I want the calls to stop, and I want the debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I asked the company ( Bank of America ) not to close my account. I do not want the account to be closed, and I have 100 's of bill payments from my account ending in XXXX at Bank of America. I ask that my account is reinstated and put back in active status by Bank of America. I asked for the company ( BOA ) to reopen/reactive my account ending in XXXX. I am a member in good standing, always, and I pay my bills at the time each time. Please confirm in writing by both EMAIL and US Mail. I would like to hear from executive office of Bank of America. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX PA 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