BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
For several months we have been writing to Planet Home Lending to request that our Private Mortgage Insurance ( PMI ) for our FHA loan be removed because the mortgage has been paid for a minimum of 5 years and the loan to value is 78 % of the initial sales price or appraisal, whichever was lower. 

On XX/XX/2020, we received a letter from Planet Home Lending stating that our FHA loan has met all of the requirements pursuant to FHA guidelines to remove PMI. The letter further stated that the last PMI payment was due in XX/XX/2020. 

On XX/XX/2020, we saw PMI was still included in our monthly mortgage payment, which was automatically withdrawn from our checking bank account. We called Planet Home Lending and we were informed that the PMI review process has not even been started. When we indicated that we had a letter dated XX/XX/2020 stating the opposite, she said it did not matter because there was a one payment in arrears. We were never informed at any time that there was an arrears or that FHA criteria included such as a requirement. 

Our mortgage company is not honoring their agreement as stated in their XX/XX/2020 letter that we met all of FHA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: SYNCHRONY FINANCIAL
State: VA
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:
I recently sold one of my houses and am looking to buy a new one. I check my credit to see that my score has tanked. A main driver is utilization, and I see that XXXX XXXX XXXX XXXX apparently decreased my limit from {$10000.00} to {$2500.00} sometime between the XXXX and XXXX bills. I received no notice at all. I know that Reb B, FCRA and ECOA require that written notice be sent to a customer within 30 days of adverse action being taken. I received nothing. I called to find out what was going on. I was told immediately that there was a returned mail flag on my account and prompted to update my address. When I changed addresses, I filled out a form with the USPS to forward my address. If they failed to update my address when notified by USPS, and furthermore had multiple ways to reach me to let me know they had returned mail ( phone, email or online message center as I have always paid my bills via their online center ) then this is incredibly unfair. I want to dispute this and I want my original credit limit of {$10000.00} restored immediately! The agent on the phone today ( XXXX - who would not give me a last name, badge number or ID # of any kind ) said the only way to get it back was to apply for an increase. She assured me this would be a soft pull so I agreed. If this is a hard pull it will further decrease my FICO score. I asked her again if it was soft, she assured me it was and that the call was being recorded to capture that she verified that for me. This is not OK to destroy someone's credit by taking something away that they have never abused AND not letting them know, only to be caught blindsided by it at a crucial time when their FICO score is important. Please help to restore my credit limit back to where it was. I do not need the credit, I need my credit score back and will be closing my relationship with XXXX ( which I have had since XX/XX/1992 ) if this is not resolved.

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 2023-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear Sir, Someone has opened " On line Advantage Safe Balance Banking Account '' in Bank of America in USA using my personal details on XXXX. I never applied for this account. I do not recognize this account opening activity. 

I am an XXXX citizen and was living in USA from XXXX XXXX to XX/XX/XXXX for employment purpose. Since then I moved Out of USA and permanently living in XXXX. Therefore, I do not need to have any bank account in USA. 

I got to know about this fraud account opening activity when I received e-mail in my personal e-mail ID from Bank of America Official e-mail account XXXX ' on XXXX Since I am living in XXXX and not able to contact Bank of America over phone , I have sent multiple e-mails and reminder to Bank of America e-mails XXXX XXXX ; XXXX XXXX I have not received any response from Bank of America on my above complaint to close this fraud account closing. 

Please investigate this fraud and advise Bank Of America to close this fraud account immediately. I can provide any additional information that you need to act. 

Thank you in advance

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 2021-08-09
Company: TRUIST FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with XXXX XXXX was sold to SunTrust in XXXX. We received a letter from XXXX  in early XXXX that we should get a letter from Suntrust at least two weeks prior to our next payment on XX/XX/XXXX. We called suntrust the last week in XXXX to get our account information so we could make the XXXX payment. We were told we would get the account transfer letter by XX/XX/XXXX. We have not received the letter but today ( XX/XX/XXXX ) we got an email from Suntrust stating our payment is overdue and we will be charged a late fee if not paid by XX/XX/XXXX. I am currently on hold with SunTrust ( approximately an hour and a half ) with no response and no way to resolve the payment issue until we get an account number for the new mortgage..

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 2020-09-01
Company: Thaxton Investment Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Monday, XX/XX/XXXX, I was contacted via phone by a representative from this financial institution. The representative on the phone asked for XXXX XXXX. She proceeded to say that she was calling in reference to a check that I cashed from my account. I asked again where she was calling from and she stated the place of her business. I said I am unaware of what account you are talking about. She proceeds to say we are calling about a check that was sent you at XXXX and gives me my previous address. She never asked me for my address. I responded by informing her that I have not lived at that address for about 17 months. She said did you cash a check into your account for {$600.00}. I again explained that I have no idea what she is talking about, I do not have an account with their financial agency. She asks again am I, XXXX XXXX? I said yes I am. She then discloses my prior address again. I sternly explain, I did not cash a check and I no longer live at that address. She says is your DOB and discloses my DOB information, followed by is your Social Security Number and discloses my entire SSN. I said ma'am where are you getting all of my sensitive personal information. She proceeds to say that they will need to make a police report if I did not sign this check. At this time, she places me on hold and the manager comes to the line and says that I can come into the business and verify the check. The signature does not match and the manager says that I should not file a police report! I asked the manager how someone could cash a check with my name and no identification was needed. She said she did not know. I know that when dealing with sensitive information, especially through a financial institution, sensitive information is never to be disclosed. I feel as though this company broke a breech of privacy and personal information. I did contact the local police and make a police report, I also reported this to the post office as this was a check that was mailed. I have an investigation started with the mobile banking app for the account that the check was deposited into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: OH
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:
Experian Report Number XXXX Investigation # 01 Dispute Complaints and Results XX/XX/2020 : Filed Dispute with Experian Credit Bureau for XXXX/Department of Education and XXXX XXXX XXXX/In writing through the dispute center. 

XX/XX/2020 : Results- Account Remains the Same XX/XX/2020 : Filed Dispute with Experian Credit Bureau for XXXXt/Department of Education and XXXX XXXX BY PHONE through the dispute center. 

XX/XX/2020 : Results- Account Remains the Same XX/XX/2020 : Uploaded supporting documents from XXXX  /The Department of Education and XXXX XXXX websites to support my claims with most recent balances reflected on the first page. 

XX/XX/2020 : Results sent by email from Experian : XXXX XXXX XXXX XXXX .... 
Remains " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

Spoke with XXXX, a Supervisor at XXXX XXXX on XX/XX/2020 who suggested they responded to Experian with updated information to reflect the current balance. It was suggested she will mail a dispute form to me which will take up to 30 days to resolve. 

XXXX/Department of Education suggested they will do their own dispute if the report is not fixed after sending supporting documents. However, it has been updated correctly for XXXX/Department of Education.

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 2020-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a complaint with the CFPB on XX/XX/2020 explaining how I sent a letter on XX/XX/2020 to this company regarding inaccurate and unknown things on my credit report. I also sent a follow up letter to the company on XX/XX/2020 right before filing the complaint with the CFPB. The company has been given over 60 days to comply and they STILL have been ignoring me. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

On top of all that, the company replied to the CFPB complaint within 3 days stating that " your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' and then marked the complaint as closed. This happened even though I sent all of my complaints by mail with copies of my drivers license and passport and a proof of address ( utility bill ). 

How can an arbitrary response like that close the dispute with nothing being resolved?? This is a stall tactic from this company and I will not be taken advantage of anymore. 

It has been over 60 days so the items in question should be deleted promptly from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person, yet this company doesn't seem to care about my rights as explained in the FCRA.

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 2020-10-19
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hospital XXXX  bill from XXXX XXXX in the amount of XXXX. Got a letter from Radius Global Solutions # XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. They claimed I owed the amount above but said if I paid {$750.00} by the end of the month, it wouldnt go against my credit score. So I told them I would call them back and did some investigating. I called the hospital and they said my insurance covered it. They are trying to collect on a bill that has been paid. 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 2018-09-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a " Notice of Violation '' in XX/XX/2018 for allegedly running a red light in XXXX XXXX, Texas on XX/XX/2018. This notice indicated that I owed the " XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX  '' a balance of {$75.00}. On XX/XX/2018, I sent a cease and desist letter to this corporation located in XXXX, Ohio. I formally notified them that non-compliance would result in my filing complaints with both the Federal Trade Commission and the Texas Attorney General 's Office. I sent this letter via Certified Mail, and I received a receipt from the corporation that they received my letter. I have copies of all correspondence and receipts. 

On XX/XX/2018, I received a debt collection notice from TransWorld Systems , Inc. from XXXX, Ohio. This notice informed me that the account had been placed with them for collection, and the balance had increased to {$100.00}. I contacted the Consumer Financial Protection Bureau on XX/XX/18 and spoke to XXXX ( ID # XXXX ) to begin the formal complaint process, and I was referred to this website to continue my complaint. I plan to send an additional cease and desist letter via certified mail to TransWorld Systems , Inc. today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
HSBC BANK has mishandled our credit and issued credit cards we did NOT request .... we moved to the US in 2017 and transferred our accounts to HSBC US. We have written to HSBC to the address reported on the credit and letters came back UNDELIVERABLE ... SEE EVIDENCE OF F.C.R.A. VIOLATION ... THIS IS F.C.R.A. VIOLATION NOT TO MENTION F.D.C.P.A. VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank account was closed accepted payment in full.

Call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, 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 2020-10-15
Company: DISCOVER BANK
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:
The Fair Credit Reporting Act states : Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

- I opened a Discover Card account in XX/XX/XXXX - The account went to charge off status in XXXX - I paid the charge off amount, I'm uncertain of the date - The negative account 's age is beyond 7 years and thus should be removed, especially considering that there's no money owed - I disputed the account, and it was deleted in XXXX of XXXX - 3 months later, the account reporting re-appeared - I disputed the account again, Discover or XXXX  is refusing to remove it - The account is removed from XXXX  and XXXX, it only reports negatively to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: NJ
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 XXXXXXXX XXXX XXXXXXXX is reporting two duplicate accounts to Equifax, XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: OH
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 ALREADY CONTACTED THE CREDIT AGENCIES INFORMING THEM THAT THE INFO BEING REPORTED IS INCORRECT AND NEEDED TO BE UPDATED BUT THEIGNORED MY REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: NC
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:
A new law took effect in XXXX  stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my Equifax credit report for {$61.00} from a collection agency named : XXXX Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my Equifax credit report. I have request for this to be done, but Equifax refuses to delete this medical collection. I would like to have the CFPB to force Equifax to delete this medical collection as per the new law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Monday, XX/XX/XXXX I discovered that Bank of America had chosen to end " our business relationship on XX/XX/XXXX and that I agreed to do so based on " page 2 of an agreement I signed when I opened the account '' in XXXX. This is an " unequal relationship '' between myself and a fictitious person that is now holding me financially XXXX. 
I have been told I will be sent a cashiers check, which I do not want, because I prefer to transfer funds electronically just like banks conduct their business at the " discount window '' of the Federal Reserve. I feel this is an egregious act on the part of Bank of America, beyond the basic lack of courtesy at a time when extreme time based income inequality threatens individuals into permanent financial crisis. 

When banks threaten themselves through greed and mendacity and politicians that are beholden to them agree to bail them out -- their is no relationship other than one of domination and control and reinvestment in digital products that do not deliver and are fraught with fraud and security precautions that are wholly in the hands of Bank of America itself.

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 2021-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Banking while XXXX went to the counter to do a transaction bank tell was making false Statements that would regard as being XXXX Asking XXXX questions this happenedXX/XX/XXXX very XXXX experience I felt like a criminal and Im no a criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: CITIBANK, N.A.
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:
Re ; case # XXXX with Citibank Visa. 
We planned a family trip with XXXX XXXX, booking # XXXX, # XXXX, # XXXX, scheduled to leave XXXX XXXX on XX/XX/2020. The total charges on Citibank Visa were {$10000.00}. The credits provided by Visa were {$1600.00} for taxes and fees. The cruise was cancelled mid-XXXX  due to the Coronavirus and we were offered a future cruise credit by XXXX. We had cancelled the cruise a few days before for the safety of our family, since ships were already being quarantined at sea and refused entry into some ports. In the meantime, XXXX  was stalling their cancellations and were still sending ships out to sea. My husband and I are XXXX years old, not in the best of health ( doctors letters have been provided advising against taking a cruise ), on a fixed income, and need the money. We need a refund and have no intention of taking a risky cruise in the future. We've since contacted numerous XXXX representatives through emails and letters and have been refused a refund. Since we were getting nowhere with XXXX we contacted Citibank Visa. They also turned their backs on us since " the loss claimed is covered by another provider ''. We have been loyal customers of Citibank for over 40 years and have excellent credit. We are not eligible for a refund since XXXX has provided us with a future credit. Besides being dangerous to our health, cruise ships will not be providing what was previously paid for by their travelers. There will be fewer amenities, dining experiences will be diminished and some excursions will be eliminated. There will also be many protocols that must be followed for the safety of the passengers. We will not be getting what we originally planned and paid for months ago.

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