BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America ( henceforth BOA ) is mishandling my payments and escrow accounts. I have made repeated attempts through email and by phone to correct the problem and thus far is is unresolved. 

Prior to the expiration of my current homeowner 's policy I switched insurance companies. BOA was provided ample notice in the middle of XXXX XXXX weeks in advance of the change ( providing the new company, billing information, policy #, etc ) .. On XX/XX/XXXX BOA sent an unauthorized payment to my old insurance company. I contacted them immediately and had them issue a corrected payment to the new insurance provider. Instead of putting a CHECK STOP on their unauthorized payment they issued me an escrow advance because their was not enough funds in escrow due to their mistake. 

The old insurance company did end up cashing and refunding to me directly the unauthorized check from BOA. I submitted the entirety of the refund ( to the penny ) back to BOA ; prior to which I notified BOA to apply the entirety of those funds back to 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 2022-10-13
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: U.S. BANCORP
State: TX
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:
My bill says that my payment is due on the XXXX of each month. I logged on to pay it and as it turns out that the payment is credited the next day because it was after a certain hour ( and I don't mean after XXXX ). I called and was told they had waived a late fee in XXXX for the same reason. Why do they put a payment due date that I can't make the payment on after a certain hour? The payment date should be the date hours within reason of the due date or be given a 24 hour grace because of the way US Bank bills the late fee.

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 monetary relief
Consumer complaint received 2017-12-29
Company: FBC MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was in a federally declared disaster area as a result of hurricane Irma. This natural disaster caused my family to incur additional, unplanned expenses. I was made aware of forbearance opportunity for people like myself who are in a federally declared disaster area and requested this from my lender, FBC Mortgage. FBC was  corporative in providing this forbearance and gave me 3 months with no mortgage payment. I did not need the entire 3 months that was provided and only took 2 months ( XXXX and XXXX ), paying XXXX plus some additional monies to catch up, in a timely manor. Now I expected, as my interpretation of the federal law that the 2 months that I missed would be added to the back end of the loan. FBC is not allowing that. I would then expect to be able to increase my normal mortgage payment for a few months to catch up on the payments that I missed. FBC mortgage has denied me a repayment plan. In fact, the extra amount included with XXXX mortgage payment was " unapplied ''. FBC has declared me delinquent and is insisting on a Modification. I believe you will find FBC Mortgage is in violation of federal law. FBC Mortgage is not looking out for their customers and not allowing reasonable accommodations to settle up after a natural disaster.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I accessed my credit report and noticed several errors. On XX/XX/XXXX I wrote a detailed letter to the credit reporting agency Experian and each of the companies listed on the report reflecting accounts which were not mine. I provided sufficient information to both Experian and the various companies to identify the inaccuracies and make necessary corrections. Examples of information provided included copies of my birth certificate, bills, bank statements, pay stubs and letters to the companies listing the incorrect tradeline. I received one form letter asking for information which had been previously provided. On XX/XX/XXXX o replied and out of professional courtesy I again provided all of the information previously provided in my first letter along with outlining each of the items requested in Experians letters for avoidance of doubt. To date XX/XX/XXXX I have received no information from Experian regarding this matter, to the best of my knowledge the tradeline and personal information errors have not been corrected and I have received no written rationale for verifying any of the information either. For avoidance of doubt, Experian as of today XX/XX/XXXX is 18-days ( from receipt of my first letter XX/XX/XXXX ) and 26-days ( from the date of my first notice ) over ( pass due ) the 30-days granted by law to investigate and correct or provide written rationale for verification.

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 2021-02-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was limited permanently so my money got limited for 180 days. The reason they say is because of unapproved file sharing services, even though I just sell a XXXX and they pay me to PayPal. I really need my money for my daily expenses and tuition fee. I believe that this was their mistake, even If I report this to them, they will not do something about this issue. Can you help me with this, here is my PayPal account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the following account was once held by another collector. after sending in letter to previous collector to inform them the account is not mine. Previous collector responded with a letter to delete account collection. They complied and the account was removed from the collection agencies. Now this same debt is reporting on my account under a different Collection Agency and that the CBs deleted. New collection agency has not contacted me not letter no phone calls nothing! I was checking my credit report due to XXXX hack and came across this on my report. I have had to deal with XXXX and no help, they wo n't even look into the matter that, they continue to accuse me and I 'm letting them know they either misidentified someone or enter wrong information, however this is not me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A New York state Tax Warrant was issued to my husband and I on an amount owed that was still in dispute. I paid the full amount even though it could ultimately end up less money in our favor. I paid the full amount because it appeared on our credit report in our " public record '' section - lowering our credit score and making it almost impossible to get a loan. Our daughter is going to college in the fall and we need to secure a loan for her before then - this is a nightmare - please help.

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have contacted the credit bureaus and XXXX XXXX  to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

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 2017-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A address was reported on my credit report on XXXX/XXXX/XXXX and it was n't me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX of XXXX, I XXXX  my hand at work. I went to the XXXX  at my local hospital. I was treated in the XXXX  and had follow up visits set up with the XXXX XXXX department at the hospital. I had and went to four follow-up visits in the XXXX XXXX department. 
I did receive a bill from the hospital for the initial XXXX visit. When I called the hospital about it, they told me they had not yet received the XXXX 's " XXXX XXXX XXXXnformation from my employer. I took the bill to work and received the XXXX 's XXXX XXXX information which I then gave to the hospital. I later received a second bill from the hospital, I called them again and explained that it was a XXXX 's XXXX XXXX. The Hospital apologized and said they would take care of it. The hospital has not contacted me again about that bill. 
States Collection Service is trying to fraudulently collect {$200.00} towards that XXXX visit. I have received numerous phone calls where they have left voicemails, they have sent text messages to my phone, they have written me. They are threatening to steal my tax refund. 
I did reply to them last year ( XX/XX/XXXX ) when they first contacted me. I explained that this was a XXXX 's XXXX claim. And that I had already given the XXXX 's XXXX claim information to the hospital and the the hospital bill was paid in full. I included with my response, their original request, the after visit paperwork from the hospital showing it was a XXXX 's XXXX  Claim, a copy of the accident report turned in to my employer, a copy of the XXXX 's XXXX Claim information I supplied to the hospital, and a printout from the hospital website showing that insurance had covered 100 % of the bill and my balance was ZERO. I told them to never contact me again, including by phone, text message, email, or in writing. 
State Collection Services has again written me trying to fraudulently collect {$200.00} towards a fully paid XXXX visit. They are threating to steal my tax refund if I do not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: MO
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: Billing dispute for services

Complaint:
I received an alert that my SSN was used at a location that was not my address to file for a credit card. I was unable to dispute the charge on Experians website. Before I could call it logged me out.

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 2019-02-12
Company: CITIBANK, N.A.
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:
I opened a new Citibank checking account on XX/XX/2018. Part of the terms of the new account was a {$400.00} new customer promotion for depositing $ XXXX in funds to the account and maintaining the balance for 90 days. I did this immediately, the funds hit the account on XX/XX/2018 and were maintained for >90 days. At that point, I was told by a customer service rep at the end of XXXX that I had successfully fulfilled all of the terms of the promotion and should hear shortly about the bonus. On XX/XX/2018, I received an email from Citi noting that I had indeed fulfilled the terms of the promotion and would receive the {$400.00} in the next 30 days. I waited until XX/XX/2018 and did not see the funds deposited to the account. I then reached back out to customer service to inquire and was told that an dispute was filed and that I would hear back shortly. I still have not heard anything back from Citi and have not received the promotional offer. After searching around the internet a bit, this seems like common practice from Citi.

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 monetary relief
Consumer complaint received 2017-07-10
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I made a payment to central credit service in the amount of {$1200.00}. This was a settlement payment for all medical bills that was in collection with this company. However my credit report states that I still owe money for another account. When I called Central Credit Services they stayed that this amount will take care of all debts owed. However now they state that it did not take care of all accounts. I never noticed that the receipt did not have all accounts listed. I was deceived into thinking everything was at XXXX balance. The agreement I made over the phone is to cover all debts with Central Credit partners under XXXX XXXX XX/XX/XXXX. Central Credit Services staqted i only paid the {$1300.00} portion of the debt. insted of the settlement beeing calculated for all debts owed to the company which is around {$3000.00}

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 2022-03-01
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I financed a washer from XXXX XXXX in XXXX, XXXX  in XXXX XXXX. I have been paying monthly on time and called to request a pay off balance since I have paid appr. {$460.00} of the {$760.00} I financed, and they stated the pay off balance would be {$690.00}. The interest rate is XXXX XXXX, which is beyond the XXXX installment loan interest cap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have attempted to contact Experian several times regarding the removal of old personal information, only for my request to be ignored. The information is still on my credit file. I have contacted the company by certified mail 1st, and when they didn't fulfill my request, I attempted to have my request fulfilled over the phone. My requests have NOT been fulfilled.

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 2018-01-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: NCB Management Services Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
2nd notice : Complaint number :  XXXX  On  XXXX   XXXX , I submitted a complaint to your website. I received a response fro m NCB Management Services. I a ppreciate your answer. You stated you have removed my number from your database. I received a call on  XXXX / XXXX /   2017  at  XXXX    XXXX   from  NCB Management Services, again . The lady stated that her name is  XXXX . I could not understand her last name. She stated that she was calling in reference to a  XXXX   XXXX   XXXX , and for me to please call her, so she could help me take care of this. The number given was  XXXX , extension  XXXX . I do not have a loan with this company, and I have never heard of this company.  NCB Management Services is  not to call me, according to their answer from my  XXXX / XXXX /   2017  complaint.   XXXX  Please, please, have this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Trying to link XXXX to my Capital One card account for monitoring charges.  Capital One doesn't allow external applications to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Idaho Housing And Finance Association
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had my mortgage with Idaho Housing and Finance for 14 years. Six years ago I went thru XXXX XXXX and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With IHaF I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However IHaF has continued to report my loan as closed and refuses to change that status. On XXXX  and XXXX they would report it as closed XXXX  balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on XXXX that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely XXXX and angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: KINGS CREDIT SERVICES
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently receive and letter from XXXX stating this debt was paid in full. Trident Asset Management, LLC is trying to collect on a paid debt. I want them to remove this from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation