BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Bank of America that was started XXXX of 2012. Please keep in mind this was the end of the real estate bubble bursting. 

My mortgage amount was for {$76000.00}. 

The type of loan is CONVENTIONAL RES WITHOUT PMI / 30yrs / FIXED. 

I want to close my escrow account. The bank is telling I can not do this until my princepal amount is 80 % of the appraised amount at the time of the mortgage. They have stated to me on the phone that this is due to state regulations. I contacted the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they told me there is no such regulation. 

Here comes the next very confusing detail. The appraisal on the house is for {$33000.00}. What bank does a mortgage at over 200 % LTV and without PMI. The current value of the house is Approximately {$130000.00} to {$140000.00} and I owe {$58000.00}. 

All I want is to do is close the escrow account and I feel like I am being giving bad info so I have to keep the escrow 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 2019-01-14
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/2018 there was an application for a credit card with XXXX   XXXX  reflecting on my file. I immediately contacted XXXX XXXX and they confirmed the application as fraud and cancelled it. They assured me that they would send me a letter stating such and have it updated with all three credit bureaus. XXXX XXXX did indeed send me a letter as well as updating the bureaus as two of them have complied. Unfortunately. the inquiry remains on my Equifax report. I have sent several letters and have spoken to several representatives and managers at Equifax and they state that they can not remove it based on the information I have provided as they need an electronic transmission from XXXX XXXX. I participated on a 3-way phone call with a manager from Equifax and XXXX XXXX discussing how to get this removed. XXXX XXXX agreed to send he electronic transmission again. However, they would have to send it to all three bureaus as they can not send it only to Equifax. I agreed as the other two had already removed the inquiry as it was added in error. Equifax has yet to remove this inquiry and this is making it difficult for me to obtain good credit. Net month will make it an entire year that Equifax has not complied with XXXX XXXX. Please help me with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX  / XXXX Received a gift card with {$150.00} balance ; card states it must be " registered '' to use online or for mail order. Card states registration can be completed online but website provided ( see above ) is not functioning. Called number on card ( see above ) and verified the balance using the automated system. Registering the card requires calling and speaking to customer service representative. 

Customer service representative required me to repeat the 16-digit number five ( 5 ) times before acknowledging the balance / validity of the card. Customer service representative then stated I would need to send in hardcopy forms including photocopies of a government issued ID in order to register the card and use it online. When I said this requirement seemed unduly burdensome ( having to provide my personal information to use the product ) they refused any other option, refused for me to speak to a supervisor, and refused to give me their name. The customer service representative kept repeating the demand then hung up on me. 

Tried accessing the website and called the number on XX/XX/ 2023 between XXXXXXXX XXXX and XXXX XXXX EST. Internet searches suggest this is not an isolated incident. Effectively, the company appears to be artificially creating barriers to using the card.

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 2021-08-12
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During XXXX, OCWEN transitioned servicing of all its mortgages ( including mine ) to PHH Mortgage. 
They shut down access to the OCWEN accounts web site where borrowers would go to get their 1098 forms online. 
I have NOT received my 1098 for XXXX or for XXXX. 
My loan was transferred to PHH Mortgage on XX/XX/XXXX and the 1098 form I received from them does not include any of the mortgage interest paid to OCWEN, so it seems that it is being handled as a " loan servicing acquisition ''. 

I sent a certified letter to OCWEN 's address on my XXXX XXXX to ask for these statements but they have IGNORED the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: ID Analytics, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : XXXXXXXX XXXX XXXX AND SAGESTREAM LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND ITS XXXX XXXX XXXX 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: CA
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: Problem with product or service terms changing

Complaint:
I have submitted multiple complaints with FTC and bureaus and talked to company directly to inform them that it looks like a fraud was used to obtain the accounts under my name ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 filed a disputed charge with CapitalOne which while we have not disputed many charges, we have been with CapOne for a very long time and they have a long history of mismanaging disputes which I think their continued failures falls very well into the scope, well, outside the scope of the Fair Credit Billing Act. 

They declined the dispute stating did not provide sufficient information but I believe their policy is first just deny all claims which I am certain most people accept that finding and it's a very effective 'strategy ' and I would hope the CFPB looks at their statistics for this! I provided very sufficient evidence as what we received was not what we were supposed to receive and what we paid for and what I provided proved that conclusively. I sent the proof of the brochure that clearly showed where the folds would be. I sent a brochure as received which clearly was different from the proof and because of it, the brochure looked 'sloppy '. I also provided another brochure showing how if the company had reviewed the brochures they would have easily caught the issue as it just required a simple re-alignment and could clearly see how much better the brochure looked when folded properly. Of course it's unrealistic to refold 5000 brochures and the company was given the option to have the brochures returned which they declined. 

Now anyone could see the issue unless their policy is just deny all claims, that is about the only explanation for this. Yes, their form requested various information that was not relevant or did not pertain to the core issue which strategy # 2 is probably to ask for so much information the customers just give up. Strategy # 3 is not have an online form and do all of this on a paper form which is another inconvenience ... 

What CapitalOne fails to realize is that some consumers like myself primarily use credit cards for the protection they are supposed to provide. I do not need credit, we do not carry balances ... so once that protection disappears, we most certainly can pay by other means. 

Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi my name is XXXX XXXX and I have sent this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX two validation letters asking them for the original contract showing that I have conducted business with them, which I XXXX XXXX has never done business with XXXX XXXX XXXX XXXX, account number ending in XXXXand XXXX XXXX XXXX XXXX never sent me the original contract, so I XXXX XXXX would like this to be removed off my credit reports and also from collections. Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: VA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX  XXXX : {$340.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX I opened a XXXX XXXX XXXX card that offered two free nights with a spending limit. I have not received the two free night and have been following up since XXXX and keep being told that I need to wait but that the certificates are coming. I would please like the nights to be issued immediately as I have met the terms outline when I applied. 

I 'll attach a screenshot from your XXXX team. They confirmed the spend and terms of the bonus and asked me to reach out mid XXXX if I had n't received the free nights. 

When I ddi n't receive the certificates in XXXX, I called on XXXX and spoke with XXXX who confirmed the spend and said I would have the certificates shortly. The reference number she gave me is XXXX. 

It 's now late XXXX and I do not have the certificates. Please issue them since I have been promised them several times by 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 2020-09-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My consumer rights have been denied by Experian. Experian continuously report inaccurate information regarding a Bankruptcy in 2015. The negative and false information has been deleted as it should be with XXXX  and XXXX  but Experian has not deleted this information. I have contacted Experian several times but they have not verified the information as they stated. They mentioned that they would reach out to the courts but they have not. The public record information that they claim to have verified through a 3rd party is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We received a notice from Hayt, Hayt & Landau, PL threatening to sue me for falsified debt with inflated and falsified interests, penalties and late fees on a debt they titled as XXXX XXXX without identifying the exact creditor XXXX whom the falsified and inflated erroneous debt is relating to. I also assigned this to my legal attorney whom they refused to contact after their office made several attempts to reach someone in the Hayt, Hayt and Landau, PL firm. No one returned our lawyers call and this firm is attempting to damage our credit and collect on falsified information. Also, XXXX XXXX  has retailiated against me because I raised a dispute with XXXX and XXXX Credit Bureaus and shortly after I disputed the debt ; they immediately filed a law suit against me in XXXX County Magistrate Court which is also a form of discrimination because I am a XXXX XXXX XXXX   female who is also a U.S. Veteran. This firm also made false accusations stating that I am not a U.S. Veteran by reaching out to SCRA in an attempt to collect excessive monies not owed. Also, I previously notified XXXX XXXX of our status in 2017 regarding our daughter who was hospitalized for 34 Days including XXXX for a XXXX XXXX condition which was a XXXX experience for my daughter which left my husband and I very emotionally distraught. I have made several attempts to be relived from this falsified claim and have a lawyer assigned to this case and am requesting that all communications that Hayt, Hayt, & Landau PL claim they have and any attempt to serve be communicated with my law firm whom they have ignored. The law firm they need to reach out to regarding this matter is 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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-01-14
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently closed on a new house. The builder recommended 'Supreme lending ' as the lender of choice. During the process, I was only provided options to get the mortgage that involved buying points, e.g. 4.75 % 7 yr. ARM with {$1100.00} towards discount points. I was told that there are no mortgage options without points. While signing the closing documents I saw a document ( Discount point fee disclosure ) that listed the mortgage rate at 4.85 % without points. I was never given this option even when I had asked the loan officer. I would like you to please review my mortgage application with Supreme Lending to check of disclosures were sent at proper times and why they neglected to provide me with an option without discount points.

Also, the interest rate offered was pretty high. I was able to negotiate much better rates from other lenders. But going with other lenders meant that I would have to bring XXXX more at closing ( within a month ) as I would not be getting builder credit. I believe this is used as leverage as arranging XXXX extra is not something that every individual is able to do. I am not sure if offering higher interest is breaking the law or is just unethical practice in this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-04-17
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a payoff balance from the store directly. I then proceeded to pay it off using the online service. With o communication from them after the fact I have noticed that there is still a balance reporting to my credit report and they now call me asking for money on an account I paid off and say the balance they told me was not correct and it's different if paid on line and they don't know why it's not showing paid off and the last specialist I spoke to seemed confused about what was even showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a line of credit with net credit and the creditor have used adverse action against the consumer ; revocation of financial extension of credit in substantial terms requested. Creditor did provide risk based pricing notice and said the determining factors listed were reason for denial. 
-XXXX  XXXX  Risk View Score Request -XXXX  vantage score -XXXX  Auto Origination Score. 
It is with unfairness exercised, for a creditor to base these factors from I, the consumer with respect to my credit profile which contains status of accounts that are under investigation and should have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
JP Morgan Chase keep putting a charge off from XXXX on my credit report as if the Charge-off is current. The original card was a Chase XXXX XXXX XXXX. I recently was denied a personal loan because I had {$1000.00} Charge off debt from JP Morgan dated XXXX. I receiving JP Morgan number XXXX from the bank that denied me. I was informed that JP Morgan credit service knew the debt was charged off and they kept reporting it a current on purpose. They informed me to get it removed I need to contact the credit bureau. The Credit bureau stated JP Morgan is reporting it as current which is not true. JP Morgan is using unfair credit practices. I believe they JP Morgan Chase is doing this to other customers and needs to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
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:
This information does not belong 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 2017-09-23
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, I signed up for an M & T Bank Checking account on XXXX/XXXX/XXXX with the promotion code XXXX. The mailer stated that I would receive a promotional {$200.00} bonus upon a direct deposit of {$100.00} to my checking account by XXXX XXXX, XXXX. 

I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised. 

I reached out to M & T bank on XXXX/XXXX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer. 

This is unacceptable. Nowhere in the terms of the signup offer does it say that I would not be included. M & T is not holding up their end of the agreement.

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