BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In early XX/XX/XXXX, I added a bankamerica deal to my account that was spend {$15.00} or more two times on you card and receive {$75.00} cash back at XXXX XXXX XXXX. On XX/XX/XXXX, I spent {$21.00} on order XXXX and also {$21.00} on order XXXX. I waited the 90 days it stated it could take to receive the cash back. After 90 days I called BoA and they said I should receive the funds very soon. It has now been almost 180 days and I have not received the cash back.

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 2017-09-29
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX. XXXX my Mother and her husband bought a home at XXXX XXXX XXXX XXXX XXXX, XXXX The mortgage company was XXXX mortgage. They signed the loan documents as husband and wife.. In XXXX the husband decided to go to California and deeded the home to my mother. He returned about a year later and lived there until he developed XXXX in XXXX. At that time I took over the mortgage payments and kept the loan current and provided insurance coverage. In XXXX XXXX the husband died. XXXX XXXX XXXX soled the mortgage to CMLTI mortgage company..I kept the loan payments to XXXX current. XXXX XXXX Fay Services bought the mortgage. This is where the problems began.Faye services changed to ownership of the home and responsibility for the mortgage form my mother to her deceased husband. Fay refused to discuss correct this and refused to discuss with us on numerous attempts we made to talk with XXXX XXXX and XXXX XXXX loan officers. Because they would not tell us the current amount of the loan balance or amount of payments. We paid the same payment as was required by XXXX All XXXX taxes were deferred by the county because my mother is XXXX. Fay set up escrow for taxes despite the fact that the taxes were XXXX Notice was sent to the husband 's family showing he owned the property. His family immediately filed a probate lien on my mother 's home. We hired a lawyer. Fay would not cooperate with him.. Faye cashed our checks and this loan should b up to date. We received a notice from Fay advising that if we do not pay and additional {$20000.00} by XXXX XXXX they would foreclose on my XXXX XXXX XXXX mother 's home.. There are XXXX complaints against FAY services with the BBB and more with Texas Dept of Savings and Mortgage Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXE XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX {$420.00} ; XXXX XX/XX/2021.

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 2020-02-28
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a mortgage application with Wells Fargo in the beginning of XXXX. All documents were given to them, as I had just ended another failed mortgage process. I was given the first closing date, which did not happen. The company cited the underwriter who had been handling the file, had not done their due diligence on the file. The closing did not happen. I was then due to a grueling process, which included several request for documents, which became never ending until my purchase agreement expired. The seller increased the cost of the house. Due to the company stating I needed 2 additional documents, and a tax statement I continued the process. After they received the documents, they begin to add for additional documents, which completely soured my deal. The seller backed out of the deal and raised his home to {$10000.00} more then the original asking price. During this process I was given approval letters of commitment, only for them to rescinded as the company negotiated in bad faith. This process took a tool on my life, my health, but must of all it left me with the home of my dreams being pulled from under me. It should also be noted, I counseled with a mortgage broker, prior to me finding a home, to insure homeownership was in my reach.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/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 2023-04-12
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Delta American Express called me saying that a card I had never activated had a questionable charge. They asked me if I wanted a replacement card. I said " Yes ''. They sent me another card which I did not activate. A month later I received a bill for a {$90.00} membership charge.

I called the number on the statement and complained that I had not activated the card. The person I spoke to put me on hold and I waited for another person who I explained my request to remove the charge and cancel my account. They then put me on hold and I waited for a third person who I explained my wish to have the {$90.00} fee removed and to cancel my account.

The third person said I had 30 days to cancel and that the deadline to cancel had passed and that if I did not pay the fee that a punishment interest rate would be applied to my account. I asked to speak to a supervisor and was told that all the supervisors were in a meeting until after XXXX. I was given a complaint number and was told someone would contact me, but noone has contacted me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-12
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I received a {$100.00} visa gift card  as a gift around late XX/XX/XXXX. A week after receiving it, I tried using the gift card for the first time for an online purchase, and it was declined due to insufficient funds. I checked the balance and notice an unauthorized transaction that was done at XXXXXXXX XXXX central time. As soon as I discovered this fraudulent charge, I filed a claim with vanilla gift card company, also known as Incomm, to dispute on XX/XX/XXXX. I was told verbally and in written form that would take 45-90 days to resolve the dispute. It is now XX/XX/XXXX, and I waited my 90 days, but have not heard from the card company. I called the card company for an update, and the representative at the time told me he would escalate my claim and that I should hear back within 24-48 hours. I did not receive a response within that 24-48 hours, so I called customer support again. During this second callback, I was told there was an issue with my dispute, and I would have to open a new claim and start the 90 days process again. The customer service representative did not give me a clear reason as to why my dispute is invalid. I asked to speak to a supervisor to which the representative put me on hold and never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I ordered a card XX/XX/2020 never received it ordered another card XX/XX/2020 they claim it was never sent out. Ordered another card XX/XX/2020 expedited forced to pay XXXX $ fee card and was supposed to receive tracking number never did. Customer service is rude and they lie to me all the time and even hang up in my face. I cannnot access any of my funds and have been told several times all I Do is wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a recast of my mortgage to AmeriHome Mortgage ( NMLS ID XXXX ). I received written approval dated XX/XX/2020 to move forward with my request. I wired {$80000.00} on XX/XX/2020 to XXXX Recasts as per the attached instructions. The funds were received and processed on XX/XX/2020. 
As in the attached documentation, I was to receive a loan modification agreement 7-10 business days after this. However, I have heard nothing from anyone at AmeriHome. I have called too many times to remember, but each time I do, I hear a different excuse or am put on hold to eventually be disconnected. My wife and I feel like we have been scammed and would appreciate any help. 
I would like to add that I have also had my PMI removed from this mortgage with this same company. That transaction was quick and easy. Something is amiss with the recast. 
You can attempt to reach them at XXXX or any of the numbers listed on their webpage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-07
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX and 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus refuse to remove addresses that aren't 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Navy Federal Credit Union has gotten progressively dangerous to their members. Average hold time is over 45 minutes to make routine banking transactions. 

On XX/XX/22 NFCU charges me for a NSF fee when I had the proper amount of money in my account to cover an ACH. They laughed at me and then put me on hold for 30 more minutes. They are deceitful and their business model makes it nearly impossible to resolve any issues. 

Please help. Thanks for your time and for grounding these entitled institutions that prey on military. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to the Fair Credit Report Act, the following accounts has violated my rights. 
XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Inquiry ) 15 U.S.C. 1681 section 602 states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2021-10-30
Company: EQUIFAX, INC.
State: NY
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:
Ive recently gotten a copy of my credit report and disputed the accuracy of of the accounts that are in question. The credit bureaus responded saying that the items were verified, Ive taken another look and I find it hard to believe that these accounts were verified. EVERY single account is INACCURATE and violates the FCRA. Ive documented ALL of the INACCURACIES and I want all of these accounts removed IMMEDIATELY. The credit bureaus are in VIOLATION. I refuse to be taken advantage of. If the accounts are verified I want proof of it. I refuse to keep getting computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; EQUIFAX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called Hunter Warfield. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
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:
While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX  on ( XXXX ) XXXX. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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