BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: AmeriHome Mortgage Company, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage for a home that I sold on XX/XX/2020 - through American Home Mortgage company. My payments were all in good standing and I have never missed or had a late payment. The house  was paid off on XX/XX/XXXX with a wire transfer during the closing. I had attempted to contact the mortgage company to cancel my auto pay for a week prior to that but they were not answering phones due to " COVID '' and stated their hold times were >24 hours. I also attempted to message online, they ended up taking my mortgage  payment out on XX/XX/XXXX, in addition to the settlement, which was an overpayment. 
I informed them of this via multiple messages. On XX/XX/XXXX I saw an e-document on my online account showing that this amount would be refunded by a check, which I never received. I had updated my address and the correct address was on the check. I informed them of this multiple times, the responded that I had to wait 30 days to cancel the check. I waited 30 days and still did not receive it. I contacted them again and they told me they would reissue the check, but they would have to wait until XX/XX/XXXX. I waited until XX/XX/XXXX and it is not showing up in my e-documents and I still have not received my escrow refund/overpayment of mortgage from the house I paid off XX/XX/XXXX as of today XX/XX/XXXX. This is simply unacceptable. I also requested that they send it to me by electronic transfer or certified mail to avoid further issues and they ignored this written request. At this point I feel that they are not going to return the money they owe and have admitted they owe and should have received back by now. If the situation was reversed they would be charging extreme late fees, interest etc. What can I do to proceed with getting my money returned in a timely manner. Please advise. I am a XXXX veteran and now have a new home and mortgage to pay, and this is not how I expected to be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Synovus Bank
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 signed up for the XXXX XXXX Secured credit card on 2 occasions. The reason why I signed up for the card was because I was told it would help me to improve my credit score. Well unfortunately it further damaged my credit score and XXXX XXXX also incorrectly reported this information on my credit report. 

I initially applied for this card between XX/XX/XXXX/XX/XX/XXXX. The card did not come in the mail. What I was unaware of was that a statement was sent in the mail for the annual fee ( which is billed the first month after the card is sent ). I had not received the card, and was billed for the annual fee, which prompted me to contact the company. As a result, the account was closed, since the card was not received nor used and the deposit of {$200.00} was refunded. I was told that the negative reporting of the late payment would be removed from my credit report in lieu of the issue. This is still reporting on my credit report as of XXXX ( almost 1 year later ). 

I decided to give XXXX XXXX a try again, applied for the card in XX/XX/XXXX. The card did not show up, however I was charged the annual fee for the card, which went unpaid. This also showed up on my credit report, which prompted me to call XXXX XXXX again. I spoke to a representative named XXXX on XX/XX/XXXX @ XXXX. 

XXXX told me that I would receive an account closure letter, a refund for my {$200.00} deposit that was made and that the negative reporting for the months of XXXX and XX/XX/XXXX would be removed from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-12
Company: AmeriCollect
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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi Wells Fargo is closing my account by the XX/XX/XXXX or the XX/XX/XXXX due to some fraudulent activity on my account. They want to close my account because it is in the negative and they are blaming me and closed the case. Wells Fargo fraudulent activity on XX/XX/XXXX in Florida when Im in California

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 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am writing to dispute U S DEPT OF EDXXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the 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 2021-08-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a {$1000.00}. CD account in 2002 at Bank of America XXXX California. I called customer service to check on my account and they cant find it. They said that maybe they sent a letter due to inactivity and considered the account abandon and transferred the money to the state. The guy XXXX gave me a website called ucpi.sco.ca.gov to check for my unclaimed property. I did check and my Bank of America CD account money didn't show up. I would like to file a complaint against Bank of America for losing my account. I trusted them and thought that this account would help me build interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CITIBANK, N.A.
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:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without consent to apply for a credit card with XXXX XXXX. That application resulted in an inquiry into her XXXX credit report XX/XX/XXXX. XXXX 's was notified of this in an official dispute XX/XX/XXXX however as of this date XXXX 's has not replied to our client with the status of the results of that dispute as is their obligation under 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 2021-08-23
Company: ALLY FINANCIAL INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I had a vehicle loan through Ally financial and the car was totaled in a flood. Ally was paid by my insurance and gave me another loan for another vehicle. Rather than rolling my old balance into the new loan, it is on XXXX as a negative to me? How can I be negative on a vehicle I no longer have an Ally was paid? Also if I was such a bad customer and owed them money why did they finance my current car? This is an unfair marking on my credit report! Ally then was paid with Gap insurance and I went over and beyond getting all corrected for them so they would be paid yet AGAIN! This is robbery and credit reports seem to work with these companies that prey on the less fortunate. This amount has been removed from my other credit reports, yet XXXX continues to have a WORKING CLASS XXXX woman struggle due to not taking the time to investigate EVERYTHING. I am asking that this debt be REMOVED from my credit report after a COMPLETE and full investigation of total dollars paid to Ally on a FLOOD totaled car.

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 2019-08-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, Chase closed a checking account that I opened through their website a week or 2 earlier. I deposited {$410.00} in the account, and then I received a letter in the mail on XX/XX/XXXX, that Chase had decided to close my account. I have tried ever since that time to receive the {$410.00} that was in my account upon closing. Chase refuses to rush a check to me but instead states that I must open up an account to transfer the money into. But I was just denied the ability to hold an account with this bank. Otherwise, I will need to wait til XXXX XXXX, XXXX to hopefully receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MI
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/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I'm writing seeking your help about my dispute letters sent to all three bureaus on XX/XX/2020 regarding the inaccurate things on my credit report. As of today I have not heard anything about their investigation. I have been working on the front line battling Covid-19 for over a year now and you can't imagine how much stress I have been under with dealing with death after death of patients under my care. Being helpless and doing as much as I can and not being able to save them is the worst feeling. As soon as I was able to breath again I decided to pull my credit report and to my dismay I find all these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted all 3 bureaus ( Transunion, XXXX, XXXX  ) several times to dispute a 3rd party collection agency ( XXXX XXXX XXXX # XXXX ) all the bureau 's respond back with this account being verified. I requested from all 3 to send me info from the file they have on me from XXXX so that I may match it with the info I have in my hand. All bureaus are not corresponding with my request, there for if this account is unverifiable it must be DELETED!!!

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 2019-02-02
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted by IC System ( XXXX XXXX, MN ) XX/XX/XXXX to resolve a 2 year old medical debt. The representative was unable to provide any documentation other than a service date and provider. I requested a written response to dispute. It was never provided. After weekly calls for 2 months I asked IC Systems to not contact me further until it was provided. XX/XX/XXXX calls resumed with the representative informing me that they were filing a negative credit report. I paid over the phone to avoid the hassle that would ensue. The amount was not large but it still felt like extortion without recourse.

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 2021-10-04
Company: Credit Center, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX  performed at XXXX XXXX on XX/XX/XXXX with a short office visit prior to receive prep instructions.. To date I have received the following bills from XXXX XXXX for it : 1 ) {$67.00} dated XX/XX/XXXX : This is now 74 days past due and the hospital was notified in writing that I was delaying payment while the amount was under appeal with Medicare. 

2. {$120.00} dated XX/XX/XXXX which contained 2 charges : the {$67.00} mentioned above and a new charge of {$54.00}- which I PAID by a check that cleared XX/XX/XXXX, but to date this is not reflected in the online bill pay portal. I have repeatedly messaged the Hospital to correct the amount in the bill pay portal but they have not done so, making it impossible for me to pay the amount actually due via the portal without incurring double payment. 

3. {$180.00} on XX/XX/XXXX- which consists of : the {$120.00} above, of which {$54.00} was already paid, i.e. this amount is incorrect. 
{$66.00} in newly billed charges which are not yet overdue I am unable to make payment of the amount I actually owe ( $ XXXX {$54.00} = {$130.00} ) because the online bill portal will accept only {$180.00}. I am out of the US at this time so the online portal is the only means through which I can remit payment. I have repeatedly communicated this to Nuvance to no avail and with no response. 

Meanwhile, despite the fact that no charge is 90 days overdue, the hospital turned this over to a collection agency, Credit Center. Further, they turned over not just the {$67.00} which is overdue, but the amount already paid and the amount just billed on XX/XX/XXXX. From the amount in the collection agency letter it appears there are other charges as well for which I have not yet even been billed. 

According to the Hospital 's Financial Policy Credit And Collection : " it is the Networks policy that accounts not paid within ninety ( 90 ) days will be reviewed for appropriate collection action. This amount, and the amounts below, were not overdue 90 days. '' My complaint is three fold ( your menu made me select just one ) : - Unjustified initiation of a collection action in clear violation of the company 's own policy, with attendant negative consequences to my credit rating. This is my main concern -Double billing for an amount already paid - Failure to adjust the amount in the online bill pay portal to reflect payment already made, making it impossible for me to use that channel for the amounts actually due, despite repeated requests and being informed that I am overseas so can't mail a check, have to use the portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX, Experian, and XXXX ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like 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 2021-03-29
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: Investigation took more than 30 days

Complaint:
on XX/XX/2021 I mailed dispute letters to Equifax, XXXX and XXXX to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please. The accounts that i was disputing and would like removed from my report are. 
XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX   has removed this line item from my credit report but Equifax and XXXX   have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief