BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Bank of America SUBPRIME Mortgage/Bank Fraud! Need Help! 
Today I was contacted by a Bank of America representative named XXXX XXXX. 
He told me he was calling to collect {$39000.00} PLUS 11 YEARS INTEREST on a Bank of America and Countrywide Subprime mortgage loan, which I am unfamiliar with, on a house I sold years ago. He told me that his company had bought a loan in XXXX from Countrywide Subprime mortgage and started accruing interest on it and now in XXXX, 11 years later, he says Bank of America is demanding I pay them {$39000.00} PLUS INTEREST back to XXXX through XXXX. ON A HOUSE I SOLD YEARS AGO. 
I have never taken a loan out with Bank of America or Countrywide subprime Mortgage. 
An attorney had recommended that I call Bank of America years ago when I sold my home to confirm that I did not have a loan with their bank. 
Bank of America representatives repeatedly told me that there was no loan under my name or social security in their Bank of America system. 
XXXX XXXX of BofA told me today to call the main BofA phone number for an exact payoff, of an amount XXXX XXXX & BofA say I owe them. 
However, once I called the number given the BofA representative could not give me an amount that I supposedly owe. 
This is a clear cut case of Mortgage/Bank fraud on Bank of America 's part. 
A TRILLION dollar bank saved during the recession is taking advantage of the " little guy '' consumer, me. Bank of America has been convicted and settled out of court for mortgage fraud. This is simply another case off the same. 
I am a XXXX Veteran and do not have the income or money to defend myself against this corruption, nor do I have money to pay Bank of America what they say I owe them. Please help me. 

Thank you, 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 2018-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX was sold tranfer to portafolio never did any contract with them They have to XXXX tranfer to them that was already taking out of my credit report Was a fraud open XXXX un see my name and the company tranfer and sold to them portafolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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 opened a XXXX XXXX XXXX XXXX in XX/XX/2017 and bought a dress for my daughter for {$140.00}. I did not receive a bill from them OR the credit card by XX/XX/XXXX. In XX/XX/XXXX I began receiving DAILY calls from XXXX XXXX ( sometimes 3 a day ) about the money I owed them. I kept telling them I had yet to receive a bill, and I could not use the online payment feature they kept pushing because I DID NOT have a card. It was very frustrating.While on vacation in Florida that XX/XX/XXXX we were able to pay a portion of what we owed over the phone, but it was complicated by the fact I had not received the credit card. This is reflected in my credit report as past due, but if you look in XXXX the amount has been reduced by what we PAID in XXXX. In XXXX I paid off the bill COMPLETELY and received this email confirmation : " Your phone payment in the amount of {$77.00} was processed on XX/XX/2017. Your confirmation number is XXXX ''. The reason it had to be a phone confirmation is because I STILL had not received a card. I requested to close my account at that time. In XXXX I got a bill for {$2.00} from XXXX XXXX. I AGAIN called in and spent over 2 HOURS on the phone going back and forth with people over this bill. I explained that if I paid everything off in XXXX, how could I have a {$2.00} bill with a {$27.00} fee attached to it. This went on and on until I cited the email from XXXX with it's confirmation number and the amount I paid. I was then told my account was clear of all past debt. At that point I asked for my account to be closed. 
When I got my credit report I was ASTOUNDED to see anything negative from XXXX XXXX. I specifically asked about my credit report and reminded them that the miscommunication was on THEIR end since I never received a card or initial bill. I was told everything was cleared up. And now this. I am very very upset and would like this addressed ASAP.

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 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Numerous requests for reinvestigation have been sent out to Transunion, XXXX and XXXX regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.

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 2018-06-12
Company: Diversified Consultants, Inc.
State: UT
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:
On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked Diversified Consultants if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with XXXX. It is still there. I contacted Diversified Consultants on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that Diversified Consultants is  holding my reputation hostage without cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: SHM Holdings, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Was quoted {$650.00} for appraisal fee on XXXX. When I signed XXXX XXXX XXXX XXXX it changed to {$750.00}. I followed up and lender said after they " verified '' appraisal fee it should have been {$750.00} not the original quoted {$650.00}. I paid {$750.00} for appraisal on XX/XX/XXXX. On XX/XX/XXXX they said the appraisal had changed to {$1400.00}. I emailed same day saying this was a residential property and that {$1400.00} was way out of the ballpark for those services. On XX/XX/XXXX they said they found an appraiser for {$900.00} which I also pushed back. It was my understanding that upon signing the application those items would remain unchanged unless appraisal came back too high or too low. I feel like this company is trying to extort clients by charging excessive fees after the fact.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX did not send a Tattletale notice per Wisconsin law.

To wit : Tattletale Notice If the applicant for the open-end credit plan is married and the spouse is not a party to the application for credit, Section 766.56 ( 3 ) ( b ), Wis. Stats. requires that the creditor mail written notice of the extension of credit to the non-applicant spouse. The notice must be sent to the non-applicant spouse before payment is due, and may be addressed to the non-applicant spouse, or to both spouses if the applicant states that they reside at the same address. The tattletale notice requirement may be satisfied by sending one of the following : a copy of the document evidencing the obligation ; a copy of the credit disclosure given to the applicant spouse ; a brief statement of the nature of the credit extended.

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 2021-03-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amazon charged me {$31.00} on XX/XX/2021 for tee shirts I didn't receive. They have bombarded my bank account with relentless threats and me. I got confirmation via chat that they would refund my money.

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 2020-09-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I purchased an insurance policy from XXXX on XX/XX/2020, in the amount of {$160.00}, through my Citibank debit card ending with XXXX. In XX/XX/2020, I closed my Citibank accounts. On XX/XX/XXXX, I cancelled my insurance and a refund was issued back to the Citibank account. However, because the account was closed, therefore I never received this refund. 

In XX/XX/2020, I filed a complaint with CFPB in regards to the concern of Citibank. Citibank responded that they investigated the incident and confirmed that they did not receive a refund since the account has been closed. 

On XX/XX/2020, I originated a recorded three way phone call with Citibank and XXXX, XXXX   confirmed that they issued a refund back to the Citibank account and the transaction was never bounced. 

In my original complaint, I stated that I would like to dispute the transaction made on XX/XX/2020, in the amount of {$110.00} because the service was cancelled. Citibank has not processed the dispute as far as I understand the situation.

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 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One agreed to remove the negative remark from my credit report if I paid the balance in full ... but it is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: ALLIANT CREDIT UNION
State: MN
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:
I was charged an annual fee in XXXX for the year ahead. Then they stopped charging the fee for this type of account and changed the terms of the cash back adding a requirement to open a checking account to get the rate. This is theft and a change to contract terms without the right to opt out. I am requesting that the fee of {$99.00} to be refunded due to my inability to benefit from the cash back program as agreed in the contract without taking on additional expense and effort on my part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Portfolio Recovery keeps making threatening, repetitive calls with abusive, profane language. Swearing to sue me, destroy my credit and have me thrown in jail, because of the credit card amount I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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: Problem during payment process

Complaint:
I, XXXX XXXX XXXX has been a USAA insurance and credit card customer for well over 20 years. For the first time ever when making a {$10000.00} payment on XX/XX/2020, USAA collected the payment from XXXX XXXX XXXX XXXX, but is refusing to apply the payment until XX/XX/2020. There is no reason given for this practice either. The only suggestion by USAA possibly offered is it's a new policy for large deposits to be triggered for possible money laundering. They even went so far as to suggest the institution in which the money came from was not recognized. It's been our bank for over 14 years and it's affiliated with XXXX XXXX where I'm a car designer. 

My concerns are they are collecting our and other peoples money for credit card payments and not applying it while at the same time charging us interest on that money we've paid back already, plus they are earning interest on the money going into their bank account. In addition, they are saying we are over drawn yet our limit advertised by them online is {$22000.00} and our balance is under {$15000.00} even without the {$10000.00} applied. In one area it's states {$22000.00} is our credit limit ; yet in another it says we are {$4600.00} and something overdrawn. 

We have called them twice about this. They seem just as confused as we are. Today at XXXX pacific time on a recorded call for 47 minutes I gave them permission to work this out with my wife, XXXX XXXX, joint account holder. They eventually hung-up. She was not rude or anything like that either. 

Please investigate. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-06-11
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called XXXX to activate my new card ( I haven't used the account in over 1 year ) and found out that someone did a live chat on their website to put their self as an authorized user. They referred me to Experian credit bureau to put my social security number on a fraud alert. I did this on or about XX/XX/XXXX/XX/XX/XXXX. It was all voice prompts and I had to enter my social security number over the phone. Another incident happened to me so I called Experian back and did another fraud alert, again through automated voice prompts, and was told again that they would report this to the other credit bureaus. Where I couldn't speak to a live person at Experian, I called XXXX and they told me that they had NOT received any information on my claim. I find this to be EXTREMELY upsetting for several reasons, with all the identity theft rampant these days, I entered my social security information over the phone TWICE with this credit bureau, they are a credit bureau and supposed to help you and they didn't report it to the other two bureaus. They should be investigated to make sure their telephone number is correct, what happens to the personal information that I entered into their system, why aren't they doing their job?!!!

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 2020-02-05
Company: Experian Information Solutions 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:
I HAVE NOTIFIED ALL THREE CREDIT BUREAUS ABOUT XXXX   XXXX  XXXX XXXX BEING ON MY CREDIT REPORT. I XXXX XXXX XXXX DOES NOT NOR HAVE I EVER HAD A XXXX XXXX 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 2019-11-17
Company: Experian Information Solutions Inc.
State: SC
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:
Around XXXX XXXX XXXX received completed compliant from Experian. XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XX/XX/XXXX.All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on 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 2019-11-17
Company: EQUIFAX, INC.
State: SC
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:
Around XXXX XXXX 2019 received completed compliant from XXXX   XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XXXX .All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX2019 when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
credit card has been paid in full. but it was just updated to my credit report and im not agreed to that because i didnt want that. what i would like is to be totally removed from my credit report thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is in all 3 bureaus collections sections and it is not a valid debt. It is from Hunter Warfiled on behalf of XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, CA XXXX. 
I have also requested validation of debt on 10/29/17, through certified letter and did not receive anything back from this company. I then was called 3 times by XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX and was told they did not get the letter, even though it was signed for. I also was told I would be sues and called an XXXX. I then said not to call again and they called my Sister instead. I received one last call from them to my place of employment where they told my boss I was being sued. I am shocked by this behavior and very distressed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To whomever it may concern, I noticed that my credit report, pulled through XXXX, XXXX and XXXX, shows a collections account that does not belong to me. I believe you have listed this account erroneously and I would like to have it removed immediately. Below is the account you have listed. 

Name : XXXX XXXX XXXX Social : XXXX Account : 1. XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX. {$4500.00} Please remove this account immediately. I understand that, by law, you have 30 days to complete your investigation of these errors. I trust that you will provide me with the procedure that you used to verify the accuracy of the information listed above. 

Thank you for your time. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation