BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX i paid off my account with Citibank and they refused to release my credit limit. I understood a few days would be reasonable but they wanted me to wait almost 2 weeks. I voiced my complaints about how rude they staff was and sent a message in the secure messaging center. In response they completely closed my account in retaliation.

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 2020-08-31
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Greetings, I'm in dire need of assistance. Since Thursday, XX/XX/2020, I've attempted to set up my debit card account online with EPPICard, to access my unemployment benefits which were deposited to the EPPICard on Tuesday, XX/XX/2020. After entering and submitting all of the information required to establish the account, a notice states " Can not find any client that matches the given biographical information. '' Repeatedly, I've called the number listed on the back of the card which resulted in my being placed on hold for hours at a time. After finally reaching a live person, twice, I was informed that my entered birth date doesn't match what the Unemployment Insurance Division, New Mexico Department of Workforce Solutions submitted. 

As such, I've notified the Unemployment Insurance Division, New Mexico Department of Workforce Solutions of the discrepancy by email, fax and by telephone. The circumstance remains the same, I don't have access to my unemployment insurance benefits that were deposited to my EPPICard account, last Tuesday, XX/XX/2020. I fear that I may lose those much needed funds. I greatly appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Fay Servicing, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This all began when I received written notice from unrelated creditors that the terms of credit were being modified due to payment status with other " creditors '' Turns out Fay Servicing, a mortgage servicer, decided to conduct an audit of my account and falsely claimed that I missed a payment in XX/XX/XXXX, some 9 months prior to today 's date. Without any notice, written or otherwise, Fay reported me late to the credit companies. Zero notification, and zero communication in order to try to clear up the matter. Not only did I receive a 30 day late from Fay, but XXXX XXXX terminated one account and dramatically changed the terms of another account. 

What actually happened is that I made 2 payments, to Fay. in XX/XX/XXXX, one of the payments in error. The extra payment was returned to me by my bank. This is a seasoned mortgage account with over a 10-year pay history. 

I have had multiple conversations with Fay. I have asked them to remove the mortgage delinquency. They refuse. I have again sent Fay all the appropriate bank statements, and proof of payment via a canceled check receipt. Not only has my credit and credit score been damaged, other creditors have terminated their relationship with me or changed terms. 

I have no issue in cooperating with Fay. Mistakes happen. However, their radical and cavalier behavior in erroneously reporting me late, without first contacting me and then placing the entire burden of proof on me to produce bank statements and canceled checks are not reasonable. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
I recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pulled my credit to try to qualify for a mortgage and I noticed there was an account that does not pertain to me. The account is from XXXX XXXX and it was opened in 2014 with an address that does not belong to me. I did not open this account and I am not responsible for it in any way. I do not have any contract with that company and I did not benefit anything from this account such as money, goods, services, or any other benefit. I never made any payment towards this account. I don't know who is responsible for this account but I have already filed a police report. I have filed this report to the best of my knowledge.

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 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had some cash and I went to Bank of America XXXX XXXX, CA ATM machine. I thought using my unemployment card I could deposit some cash into the card. I put the card into the ATM and it wasnt successful and froze my unemployment card. The card is an Unemployment card associated with the state of Arizona. I called the number on the back of the card and they only did a form. Ive called my unemployment office and they say they cant do anything about it, its on Bank of Americas term. I have called and talked with Bank of America Fraud department and they couldnt do anything about it. Which is why I am complaining. I believe they can do something about it to unfreeze the card. Its the card I depend on and it has {$820.00}. I need that money cause I have bills to pay and food to feed my family with. On XX/XX/XXXX, I called the number on the back of my card and talked with an agent and he wasnt helping with me so I asked for a supervisor. He transferred me and I waited for about 20 minutes. Soon it starting ringing and said, Thank you for contacting Child Protective Services. The guy hung up on me! Like I said I depend on this money. Bank of America is taking my money away from 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 non-monetary relief
Consumer complaint received 2020-05-29
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX {$270.00}, XX/XX/XXXX {$990.00} XX/XX/XXXX {$1000.00}, These accounts are result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I got a call today on XXXX XXXX and the collector from Robert sugar law offices in XXXX Ohio called me in regards to a debt I/O for a student loan she wasnt very rude in tone but she did threaten legal action against me because I was unable to tell her a amount and date on which I was able to pay due to begin quarantined from my job from the COVID-19. yes I was getting paid at the time but had to spend most of my resources and some of my 401k  trying to get everything clean in my home and trying to make sure me nor my elderly grandfather in the home caught the virus. I am in a very stressful position since working at home due to the extra bills didnt have before. I am Im very behind and I am unable to pay that bill at this time and with the legal action getting thrown against me during this hard time it definitely set me off and I really dont wan na work with a company again due to my ignorance of the law. I dont want anything to be brought up against me in court in regards to this matter because I didnt go to law school so I dont really know the legal terms in the legal fall through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 applied for a credit card with an XXXX Guest Reward Mastercard from Bank Of America and my application was denied. At the time of my application, my credit score was XXXX. This credit is considered to be very good given that I have excellent payment history and low debt to income ratio. 

As a result of applying for this credit card, my score was mysteriously lowered to XXXX. 
Bank Of America sent me a disapproval letter stating that my score was XXXX and not the score that was current at the time of my application. Which means that my credit score was not referenced at the time of my application. 

The reason given for the denial was that : -You do not have a sufficient number of established credit references -There are too many inquiries on your credit files ( Note : I have at most 2 inquiries ) -Limited deposit and/or investment balances with us and/or our affiliates.

I have concluded that Bank Of America is operating with a nefarious intention or XXXX discrimination in denying my application or they did not want to honor the offer of XXXX XXXX points in with opening an account a rewards Mastercard. 

Bank OF America also stated in an email that I had requested a balance transfer with the application, which I didn't Bank Of America has already being found guilty of consumer fraud in New York and ordered to pay XXXX XXXX Dollars. 

So I will be following up with other legal means to stop this XXXX fraudulent institution.

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 2020-08-31
Company: AR Resources, Inc. (FL)
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called AR Resources XXXX XXXX after as credit dispute had been processed, I spoke to the rep that answered the call, he tried to verify the account using social security number, phone number, name and address but no account could be located. So he directed me to the supervisor which told me to call XXXX and get the account numbers. So on XX/XX/2020 I contacted the supervisor XXXX XXXX at XXXX XXXX XXXX with the 7 digit account number which is XXXX {$390.00} and XXXX {$910.00} she stated no account could be found. I asked to get that in a letter and she stated since there was no account she couldn't send a letter. She told me to just dispute it. I have disputed these accounts several times now even with a paid credit repair company. The last report was XX/XX/2020 And the information was reported to be mines. This has been a on going issue and has stopped my efforts in getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA
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 had a lease with an auto company and i had all my payments set up on automatic payment so i know i never missed a payment. The only thing i can think of is that somehow there was a problem with the automatic payment setup. but when i called the company they said that there was never a late payment but on my report it shows a 30 day late. I have tried correcting this with the company as well as the credit bureaus but had no success. Please help me to get this removed as i was never late and it shouldn't be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report and I noticed west lake financial said I owed a debt. I never filled out any applications with them to apply for a loan. I contacted them to remove the debt from my report, but I never heard back from anyone. I believe this is all a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISCOVER BANK IS REPORTING LATE PAYMENTS ON MY XXXX  AND XXXX  XXXX REPORTS AND I DONT HAVE AN ACCOUNT WITH THEM.THIS SHOULD NOT BE REPORTING ON MY REPORTS. IT IS NEGATIVELY EFFECTING MY CREDIT SCORES AND IT NEEDS TO BE REMOVED IMMEDIATELY. THE ACCOUNT NUMBER IS # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX  XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody

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 2020-04-19
Company: Experian Information Solutions Inc.
State: IL
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:
On ( XX/XX/2020 ) I discovered ( negative credit item and account number ) had been re-inserted into my credit file, which was deleted by Experian 5 months ago. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

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 2020-12-11
Company: CITIBANK, N.A.
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:
As of today, XXXX XX/XX/2020, there have been multiple issues with this card. 
1 ) I opened a new Macys XXXX XXXX card in early 2020. I was promised Macys bonus points ( aka XXXX XXXX ) worth {$20.00} in Macys purchases if I used the card for at least {$150.00} in purchases outside of Macys by XXXX XX/XX/2020. I fulfilled the requirement timely, and despite multiple calls and messages to Macys XXXX  credit card dept. I haven't been awarded that promotiional perk ; 2 ) I also never received my " birthday gift, '' another promotional promise ; 3 ) Latest issue is the failure to process my payment check timely. The most recent check was mailed XXXX XXXX from my local post office. It has not been processed some 10 business days later. The last time I spoke to one of the agents, I was told that because Macys has moved much of this function off-shore, things are not the same.

No kidding. If the payment check is not processed/cleared by Monday, XXXX, it will be late and will likely incur a late fee. By comparison - a payment check I mailed to another company on XXXX XXXX from the same post office cleared today, 5 business days later. 

It seems to me that Macys XXXX  is pressuring me to pay my bill in another manner to make it more convenient/less expensive for them. 

BTW, my email inquiries have been answered by an automated message response program generated by XXXX This onion has a lot of layers and that is NOT in service to we consumers. It makes it nearly impossible to get assistance or a comprehensible reply, let alone timely resolution.

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 2020-05-14
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicers LLC The company bought a loan from XXXX  XXXX XXXX and immediately started harassing me and trying to change the terms on the loan documents and agreements made with XXXX  XXXX XXXX. I have written letters and spoken to " agents '' who are rude trying to explain to them that I have a HELOC and do not have an escrow account. I have not had an escrow account in 20 years. I paid my taxes, late sometimes but I always paid them. XXXX  XXXX XXXX paid two years of taxes for me and told me they would add the amount on the back end to my balloon payment, trying to help me out. I was fine with that. As soon as Specialized Loan Servicers LLC took over they started pressuring me for the amount and sent a statement with monthly payment @ {$16000.00}. Then they took it off and I guess put it on the back end after I confronted them. Next they started saying I didn't have insurance and they did forced place insurance without giving me enough time to find insurance. They force placed insurance for @ {$8500.00} a year and set up an escrow. I found insurance 45 days later for {$2300.00} and I am paying payments. They sent a letter saying they would remove escrow but they didn't and upped my payments to include escrow for the 45 days and escrow for the {$2300.00} which I am paying directly. I continued to pay my monthly payments but they put them in a suspense account and refused to credit them as monthly payment and again put the {$16000.00} on the monthly payment which was now {$19000.00} for a deficiency in escrow. I have repeatedly told them I do not have an escrow account - never have and I am paying the insurance and will pay the taxes, even if late. They are now trying to foreclose in the middle of caronavirus pandemic. They have been trying everything to foreclose on my property since they got the loan. They think it's worth a million dollars which it is not because it needs lots of renovation bathrooms are from 70s and everything is old and run down. I see that you recently won a class action lawsuit against them. In forty years I have a XXXX  and deal with many banks and loan companies and this company is the worst I have ever experienced. They operate like criminals.

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 2020-12-11
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: Account status incorrect

Complaint:
To Whom It May Concern I was a customer of yours for 7 years never once 30 days late. During the onset of the pandemic I had an active dispute on file for which your team advised they were not attempting to even collect the minute balance of {$230.00} while under dispute.

Despite such I then started to received excessive calls with regards to simple {$27.00} payment. I advised of the circumstance and that I was more concerned with the pending uncertainty as it pertained to covid 19 and that this account was already under dispute. 

I was advised that the months of XXXX and XXXX were reset to zero with no payment due and my next monthly billing would resume accordingly if dispute not resolved in XXXX. I ended up paying the account in full at the end of XX/XX/2020. 

This account continue to report adversely and inaccurately representing XXXX initially. I contacted your office was advised that never happened until I sent proof then it got fixed. Problem is I lost thousands in credit because of this with not so much as an apology let alone a resolution. Additionally I know what I was advised and my 7 years of never having been 30 days late clearly illustrates this is not an accurate depiction of my payment behavior as a consumer. 

I was not late and was advised these were covered I also paid in full. 

Please adjust the reporting of these or remove the account completely from my credit profile. It is my sincere hope despite all this has already cost me that we can move forward with a swift and amicable resolution.

Company response to consumer: Closed with explanation