BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My complaint pertains to CITI Bank XXXX XXXX XXXX XXXX which I've had since XXXX. I have that card on file with a meal delivery vendor which I have been using during COVID to get diet-appropriate meals safely delivered to my home each week. 

I was notified on XX/XX/XXXX by a meal delivery vendor ( XXXX ) that I would not get next week 's special diet meals because they could not process my {$50.00} fee on the credit card they had on file ( and had used previously ). I was confident it was their error because my account I've had since XXXX is always in good standing. I immediately called the customer service number at the CITI card and was shocked to hear that they indeed had suspended my ability to use the credit card even though I had not missed any payments on the account. 

They said they suspended it because they were currently reviewing my XXXX payment and hadn't " finished yet. '' The payment arrived a few days late, they said, despite being payment in full. I told them that : 1. I always pay as soon as I receive the bill ; I can not pay before I receive a bill ; 2. I do not control how long the post office takes to send them my payment ; 3. I do not control how long they take to process my payment ; 4. I have always paid 100 % in full ; I have never carried a debt on any credit card ; 5. The CC agreement, as I read on line, indicates that the card can not be cancelled until THREE payments have been missed. 
6. How can they rightfully decline a payment for a vital home-delivered meal service no less, during a panedemic, for a client who is in excellent standing with a credit score of XXXX? 
7. I spoke to a manager who agreed that the policy is insensitive to the needs of cardholders and makes no sense but she insisted it was being applied to all cardholders. I find no written evidence of this policy in my paperwork.

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 2020-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A few years ago I had used a organization called XXXX to obtain a affordable mortgage. I was able to have success using this process as I was able to close on our property in XX/XX/2018. The service provider that provided the mortgage through XXXX was Bank of America. The issue I have is that I used the HAND  process through XXXX to perform renovations on our property. During this process the XXXX Hand Department was very difficult to deal with. This issue I have is that I did not use all of the funds that was allocated yet I am still paying a mortgage on the full amount of the renovation loan. The total amount of this loan that I suspect is still in escrow somewhere is around is between $ XXXX {$15000.00}. I am unsure of the exact amount. If possible I would like to have the balance of these funds returned back to me.

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 2018-07-16
Company: Receivables Performance Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my XXXX account because they refused to remove incorrect charges from my account. Ie phones I paid for in full with cash. At the time I closed it. 3 years ago there should have not been a balance. This is a lame attempt to collect something never owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX  XXXX is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

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 2020-07-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX Comenity Bank contacted my children and my husband on their private cell phone lines, about my debt to Comenity Bank. Due to the pandemic, i have been unable to keep up. I find this a violation of my privacy, my children and spouse do not need to know my financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: Bonneville Billing and Collections
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:
Bonneville Collections is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my XXXX  day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite XXXX All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I try to fill out applications but they deny me because someone used my information this capital one dobt care about identity theft or fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has failed to remove a negative reporting from my credit report after repeated phone calls, mailed documents and online disputes. The item that is currently in violation of the FCRA section 605 ( a ) ( 5 ) is a XXXX XXXX XXXX account # XXXX showing a redeemed or reinstated repossession. By law, this account which did not result in a loss to the lender or the sale of the vehicle to offset the loss, does not fall under FCRA section 605 ( a ) ( 4 ) or section 605 ( c ) but under section 605 ( a ) ( 5 ) which only allows the adverse item to be reported no more than 7 years from the date the adverse item occurred. I have attached a detailed payment summary from XXXX XXXX XXXX showing the date of repossession and subsequent reinstatement as well as the fact the account is paid in full with XXXX balance with no loss to the lender. The repossession and subsequent redemptions latest occurrence happened on XX/XX/XXXX which would mean the reporting of the repossession and subsequent redemption should have been removed after XX/XX/XXXX. There were also no further 30/60/90 day delinquencies reported on this account after this date as well. This item still remains as a negative reporting as of this date despite repeated attempts to have it updated to no longer reflect the repossession, reinstatement or delinquencies. XXXX and XXXX have XXXX  updated their files to correctly reflect the paid in full status with no repossession, redemption or delinquencies since the redemption date ofXX/XX/XXXX. At this time, Equifax is in violation of section 605 ( a ) ( 5 ) and subject to civil sanctions if this reporting is not corrected to reflect the proper status of " paid in full with no delinquencies '' to be consistent with the law and what XXXX and XXXX are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian Credit Reporting has included me on their mailing list. There is no 'unsubscribe ' opt-out included in Experian emails. There is also nothing contained within the Experian emails about how to unsubscribe. 

Looking online I found this : " To opt out of all email marketing messages from Experian, you must send an email to XXXX from the email address you wish to unsubscribe. Please clearly state in your email, " Unsubscribe me from all Experian email marketing. '' I followed those directions but still continue to receive Experian emails. 

Next I called Experian customer support telephone number : ( XXXX ) XXXX who told me I would have to send a regular USPS letter requesting removal from Experian email lists. As directed, I mailed a letter to Experian ; XXXX. XXXX XXXX, XXXX, Texas XXXX. I did mailed this letter to Experian months ago, but I am still getting unsolicited and unwanted Experian emails. 

Isn't this illegal? And falls under ANTI-SPAM legislation? 
Not allowing people 'opt-out ' of Emails?

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 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 WAS RECEIVING BILLS FROM A COLLECTION COMPANY. I WONDERED FOR DAYS WHY I RECEIVED THIS COLLECTION BILL TWICE, IF I KNEW I DIDNT OWE ANYTHING. I GOT ONTO MY XXXX XXXX   AND SAW I WAS SENT TO COLLECTIONS AS WELL. I TOOK ACTION AND PULLED MY CREDIT REPORT ON XXXX XXXX. I AM EXTREMELY SHOCKED WITH THESE ACCOUNTS ON MY REPORTTHAT I HAVE NEVER OPENED. THESE ACCOUNTS DO NOT BELONG TO ME PLEASE REMOVE THESE ITEMS FROM MY 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 2019-08-14
Company: EQUIFAX, INC.
State: LA
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:
Regarding XXXX  XXXX Payment History The payment history that is reporting from XXXX XXXX Mortgage is incorrect. 

XXXX XXXX transferred the mortgage to XXXX in XXXX of XXXX. 

Prior to the transfer a forbearance/modification with XXXX XXXX was in place to correct the payment history and clear the matter. The agreement with XXXX XXXX was in effect beginning XX/XX/XXXX. 

The modification was initiated due to a National Disaster ( Louisiana XXXX Flood XXXX ). 

We contacted XXXX XXXX in XX/XX/XXXX to request relief due to the flood. XXXX XXXX created a forbearance plan ( attached ), then they suggested we apply for a modification agreement to reduce payments and defer the payments missed during forebearance. We agreed and XXXX XXXX initiated the first Modification and said the history status would be cleared to show no late payments. We submitted the borrower assistance packet in XX/XX/XXXX, and months later XXXX XXXX denied the application. They kept calling telling us to refile the application, new rules were in place. So, we filed again and it took over a year to come to a conclusion of the agreement. The agreement was effective XX/XX/XXXX. The modification terms were finally set in place and the agreement was to make XXXX modified payments for XXXX, XXXX and XXXX. They told us that even though the previous payments were reporting late, once the modification was completed, all of that would be cleared. 

The first two payments ( XXXX and XX/XX/XXXX ) were made by us as agreed, then the loan transferred to XXXX. We called XXXX XXXX and XXXX to find out what we should do and were told that in order to complete the agreement, to send the last payment to XXXX and they would comply with the agreement. So, we completed the agreement by paying the last payment ( XX/XX/XXXX ) to XXXX/XXXX. 

However, XXXX XXXX did not hold up their end of the agreement. We contacted XXXX XXXX several times to clear the matter up, but we were told that all files were transferred and they did not have any record/evidence of the modification. 

This matter should be cleared up immediately and our history and payments corrected as promised by XXXX XXXX. 

Also, the status says 90 days late, but no payments were ever 90 days late. I have all of my bank statements with payment history. 

Please let me know if I can supply any further documentation. 

Our credit file history has been incorrectly tainted for well over a year, and as a result we have had to pay higher interest rates for loans obtained. 

Please provide a status update to me within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided. 

Good thing I keep snapshots of everything. I check my reports regualary also. 

attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initiated a refinance with Loan Depot and provided all the documentation and signed notarized loan documents on XX/XX/2020 as my loan processor assured me that my loan would close and funds would be disbursed on XX/XX/2020 to pay down my previous lender and begin my new loan with Loan Depot. 

In preparation for close on XX/XX/2020 ( a Monday ) I wired approximately {$9500.00} to the title company in closing funds which included loan fees and property taxes. On XX/XX/2020 I don't receive any confirmation from my loan processor or title company to confirm that the loan has been funded so I reached out to my loan processor for confirmation and she responded on XX/XX/2020 with " We have received everything from the title company and funding happened yesterday. The title co should have the documents recorded soon. '' On XX/XX/2020 I checked with my previous lender as well as my property tax account and noticed that the previous lender account is still active and does not show as paid and my property taxes have not been paid. I called my loan processor at Loan Depot again to ask for confirmation and she asked me to reach out to the title company to check. After calling the title company I was told that Loan Depot never released the funds. I reached out to Loan Depot again and have not been able to reach my loan processor or her supervisor on the phone to understand next steps on how to resolve this as the title company has both my closing funds and my property tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
XX/XX/XXXX I went into my credit union to get a loan to purchase the vehicle since the lease termination date was coming near. Within that payment was also my last month 's payment. I had called them a few times during the week to see if they had received it yet, but they didn't, so I made another payment, not wanting it to be late. 

I called afterwards when I saw that they received the both the buyout and my payment asking when I'd get my refund. I was told 30-60 days.So I called again on XX/XX/XXXX at XXXX and was told to wait another 30 days. So I did. And no refund came yet. I called again on XX/XX/XXXX since it was another 30 days. I was told that they'd get it mailed out and it should be there in a week. A week later and I'm still without my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020, I was notified by XXXX XXXX regarding a substantial decrease in my credit score due to the appearance of a new account. Upon reviewing my credit reports through all three credit bureaus I noticed the appearance of a collection filed by SEQUIUM ASSET SOLUTIONS , LLC, regarding {$120.00} debt owed to XXXX XXXX. I have never been notified of such debt by XXXX XXXX, nor by Sequium Assat Solutions, and my account with XXXX XXXX has routinely been timely paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.

Company response to consumer: Closed with explanation