BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have the 'automatic monthly payment ' on my mortgage through my Bank of America account for the XXXX of every month. For the month of XXXX, I made a one-time payment date change to XXXX XXXX so I can make two additional deposits to cover the check. I made this change on XXXX XXXX online through my account 's website on BofA and it was confirmed on the site. ( The first deposit of {$1500.00} was made on the XXXX of XXXX and the final deposit on the XXXX of XXXX for {$800.00}. I already had {$340.00} in addition. ) However, the bank ignored my request and went to withdraw the funds on XXXX XXXX instead, when they were NOT supposed to do so. 

Guess what?! I 'incurred ' an overdraft fee and to make matters worse, they did not make the mortgage payment until the XXXX which incurred an extra {$35.00} fee and a returned check fee of another {$35.00}! Both check deposits were from my personal account at another bank. 

I feel Bank of America did this deliberately to add the unnecessary fees to my account. I know this because they immediately tried to get me to buy overdraft protection! 

I want all of these unnecessary fees returned to me immediately! I am very angry about being charged and solicited for business after they unnecessarily charged 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 monetary relief
Consumer complaint received 2018-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Confusing or misleading advertising about the credit card

Complaint:
My credit score I am in the process of fixing and I wanted to get a secure credit card to help rebuild my credit I went to the capital one website and applied for they credit card because they advertised in there ad that the will approve you if you are trying to rebuild your credit but that is not true all they did was run my credit knowing that they was not going to approve me and put another hard inquiry on my report and lowered my score even more I think that they should be sued so many people apply for they credit card due to they false advertising and all they care about is getting the business not caring that they have just put that customer in a worse situation even more because now that hard inquiry have cause they score to get even lower please help me stop these company from doing this to people and getting away with it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX and XXXX fraudulently report Experian, XXXX, XXXX and NYS XXXX XXXX. Experian, XXXX and XXXX continue the fraud. Please refer to attachment.

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 2018-11-28
Company: U.S. BANCORP
State: NJ
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:
I was solicited by XXXX XXXX to open a VISA credit card by enticing me with a {$100.00} credit if I charged a certain amount within 90 days of opening the card. They solicited me directly through the mail as well as through my relationship with Fidelity. I applied for the card in XX/XX/XXXX or XX/XX/2018. I was approved. My first charge on the card was XX/XX/2018.  I have used the card extensively to meet the spending goal to receive the {$100.00} credit. 

I called them in early XX/XX/2018 to find out when I'd get my {$100.00} credit. They said I was not enrolled in promotion. They said I would have to send evidence that I was solicited. I sent a copy of solicitation in mail with a letter dated XX/XX/2018 to XXXX XXXX. I received a reply dated XX/XX/2018 saying they would review the account over the first 120 days to determine if offer could be applied. This confused me. 

I called them back on XX/XX/2018 and spoke to several people ( over one hour of my time ) and they all said they would not honor the promotion. This is fraudulent advertising. They said I didn't enter a code for the promotion when I applied online, therefore they would not honor the code. They even claimed their hands were tied because of Federal regulations and CFPB. I explained that the CFPB was not established to protect them, but to protect consumers like me from exactly this sort of behavior by unscrupulous consumer financial companies. 

Since XX/XX/2018 I have been solicited again through my Fidelity online account for the exact same {$100.00} credit offer. I went through XXXX XXXX 's online link for the offer just to repeat the process and see where the mysterious code should have been entered. The online application for this Credit Card had no place to enter such a code. I didn't complete this second, test application because I was simply trying to see where I might have gone wrong the first time. I am convinced that their online link to the promotional offer is set up to cause the consumer applicant to somehow apply for the card without getting the offer. 

The exact same thing happened to my son who applied for this credit card over the summer. 

I would like to get the {$100.00} credit, because that is why I applied for the card. My son should also be given the {$100.00} credit because he was directly solicited just like me and they refused to acknowledge his participation in the promotion.

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 2020-11-27
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My wife and I recently discovered that Citibank has been charging us monthly for a program called XXXX XXXX, a program we never signed up for or agreed to have. Apparently, Citibank put me in this XXXX XXXX program in XX/XX/XXXX. Only recently, I have started to closely monitor my finances using XXXX. I called XXXX XXXX ( who is an agent of Citibank ), and discovered, to my dismay, that I have amassed over {$6300.00} in debt for this program! This does NOT even include the interest that I have been paying! 

Naturally, I asked Citibank to immediately cancel this program ( which they did ) and refund me all of the charges ( they did not ). Consequently. I turned to the Minnesota Attorney Generals office, who sent a letter to Citibank on XX/XX/XXXX. 

Citibank made this statement in their formal response : Due to the length of time your account was enrolled in the program and the prior communications that were sent to you, which included messages every month on your billing statements as a reminder of enrollment, we must decline your request for a refund. 

Basically, they are saying that because they were able to trick us for so long, they should be able to get away with it. The XXXX XXXX charges were different month to month, and were buried among all the other obscure taxes and charges. 

Naturally, Citibank has NO proof that I signed up for this program. No signature. No recording of me agreeing to this program. Nothing. Moreover, in XX/XX/XXXX, when this card was opened, I was about to enter the hospital for an extended period of time. That marked the beginning of a very dark period for me in terms of my physical and financial health. 

It bears noting that at present, my ENTIRE balance at Citibank is solely comprised of XXXX XXXX charges, and nothing else. This month, I paid {$72.00} in interest on this bogus program.

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 2021-07-13
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2021, I sent letters and proof to the company to let them know that the bankruptcy on my credit report needed to be removed following the evidence and also after being told by the clerks office that they do not report bankruptcy 's to the credit bureaus. I have submitted 2 letters exactly as the federal trade commission has advised me and yet I am still not able to get the accounts as per law. I demand that the bankruptcy be removed as I have provided all evidence required by law to remove said item. Respectfully Submitted - 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 2021-02-05
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

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 2020-11-27
Company: Phoenix Financial Services LLC
State: FL
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 noticed a collections account on my credit reports from : PHOENIX FINANCIAL SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX XXXX. I have never used a service from anyone associated with the alleged creditors. The amount listed is {$2000.00}. I do not owe anyone {$2000.00}. I have not received any correspondence relating to such a debt and would request any documentation with my signature from XXXX XXXX XXXX XXXX XXXX relating to the alleged {$2000.00} debt, otherwise, I wish for this debt to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: SIMM Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/2019 a representative from Simm Associates called my cell phone number which my mom answered. Representative with the name of XXXX asked for me then my mother asked him to never call the number again, informed that we have requested him to never call the number before and he continues to call. Representative then started saying " pay this bill, pay this bill and I wont call you '' my mother then asked what bill and she mentioned to him that she didn't owe a bill because she wasn't me. Representative never properly identify he was speaking with right party, he released personal and confidential information to my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX at XXXX and XXXX XXXX  XXXX were my XXXX and XXXX attempts to open an online savings account. I received an error message of XXXX. When I called XXXX XXXX  to ask for help, XXXX answered. She told me this meant my application was hard rejected and no human there could override itXXXX XXXX XXXX will not open an account with me and really won't tell me a good reason why. It feels like they are either advertising a product they really don't sell ( marketplace deception ) or XXXX of some sort. Seems like a regulator needs to look into these business practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; ( Original Creditor : ) XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Wells Fargo admitted they tried to steal my home. Wells Fargo admitted they illegally processed data for my Mortgage loan on Page 2 of the letter they wrote XX/XX/XXXX in response to CFPB complaint ( XXXX ). I would like the Consumer Financial  Protection Bureau to investigate the crimes admitted to by Wells Fargo. Wells Fargo has failed to provide evidence that the current Balance is correct they have continued charging on my Mortgage loan ( after their Fake Foreclosure Attempt ). Please investigate improper handling of my Mortgage loan status and gross errors in financial accounting by Wells Fargo. I am an elderly man that has been the victim of Elder Abuse by Wells Fargo bank representatives. 

2. In response to CFPB complaint ( XXXX ) on XX/XX/XXXX, Wells Fargo lied and completely fabricated the information they provided to the Consumer Financial Protection Bureau. I, XXXX XXXX, never spoke with them on XX/XX/XXXX regarding my Escrow balance. I, XXXX XXXX, NEVER Signed the Hold Harmless Agreement Wells Fargo Bank falsely presented to the CFPB nor did anyone acting on my behalf. A Wells Fargo Bank employee forged my signature like they have done so many times before in well documented cases with other consumers. 

3. I have included a copy of their fake Hold Harmless Agreement Signature next to my own. Anyone can clearly see the Wells Fargo Hold Harmless Agreement DOES NOT CONTAIN MY TRUE SIGNATURE AND WAS FORGED BY WELLS FARGO. 

4. Please let the record show that I will sue Wells Fargo and hold them completely responsible for elder abuse, fraudulent accounting, RESPA violations, theft, and forgery. 

Copies of the Letters and Evidence that My Signature was forged is attached. 

Sincerely, 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 2023-07-11
Company: EQUIFAX, INC.
State: MI
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: Credit Corp Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have debt on a XXXX XXXX  credit account. It has gone to collections, and I have been paying the debt to XXXX XXXX XXXX, XXXX since XXXX, 2020. Another collection agency, Credit Corp Solutions has contacted me sporadically over the past year to try to collect the same debt. I have tried to contact them but they never answer or return messages or emails. Now, Credit Corp Solutions has hired an attorney ( XXXX XXXX XXXX , XXXX ) to sue me over this debt. The law firm has not returned my call either. I have record of trying to contact them both. Credit Corp Solutions also didnt start to send me letters until after I started the pay plan with XXXX XXXX XXXX, XXXX. Attached files show the collector I am paying, and the LAST contact from Credit Corp Solutions and the date of that, as well as their attorneys letter and the date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Account status incorrect

Complaint:
Experian is violating my FCRA rights by reporting and sharing incomplete, inaccurate and invalidated information on my consumer file.

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 2021-07-14
Company: EQUIFAX, INC.
State: IN
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 a fraudulent collections item on my account due to identity theft. This exact same debt was filed on my credit earlier this year, just with a different debt collector. XXXX  dispute XXXX was completed ( submitted XX/XX/2021 - completed XX/XX/2021 ), agreed this was not my debt and removed from my credit report. Now the exact same amount is being reported again, just from a different debt collector, and now I'm being told this is a valid debt ( which is impossible ). Dispute XXXX ( submitted XX/XX/2021 - completed XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My XXXX XXXX  - XXXX  XXXX  XXXX was closed due to me paying with a new added savings accounts and radius couldn`t verified the name for ownership and crazy enough closed my account for just adding a new bank account to pay off the card completely without giving me a call or chance send in any kind of proof of ownership verification of the new 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 2022-11-18
Company: EQUIFAX, INC.
State: IA
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:
Name of Furnisher : XXXX XXXX amount {$700.00} XXXX XXXX reporting incorrect Info : XXXX XXXX Date I made XXXX : XX/XX/XXXX cashier 's check from bank was mailed to Furnisher XXXX XXXX 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with Equifax. They did not update report. 
XX/XX/XXXX Filed dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I called BOA back on last XXXX regarding some fraudulent charges that I started noticing in my checking account statement several charges from XXXX XXXX which I had not authorized. I called the bank to investigate such charges and they asked me to send them the form called " Unauthorized ACH Return form '' which I have sent in at least 3 occasions but we have not had any resolution is been a long time trying to resolve this problem and up to now I have not received any 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 2021-02-04
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a XXXX XXXX  XXXX  from Honda financial services back in XXXX and had one late payment in XX/XX/XXXX. In the 7 years I've been with them I've only had one late payment, I've sent out goodwill letters in XXXX and XXXX to forgive my late payment and I never received any information from them. I recently called and the representative said they came up with their decision back when they received my letters but I was never notified of any decision until now!

Company response to consumer: Closed with explanation