BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-05
Company: STATE FARM BANK, FSB
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An unauthorized charge was made by XXXX XXXX XXXX the insurance company XXXX from my escrow account associated with a mortgage account on XX/XX/XXXX in the amount of {$530.00} dollars. 

I contacted the agent right away XXXX and XXXX more time a couple of months later inquiring the progress ), and the agent acknowledged the error and agreed to fix it. However, the refund still has not been issued back to me XXXX or credited back to my account XXXX as of today, XXXX XXXX, XXXX, causing my escrow account to be in shortage for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: ALLY FINANCIAL INC.
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a ROTH IRA savings ( interest-bearing ) account with Ally Bank. On XX/XX/XXXX ( tax filing day in XXXX due to covid-19 ), I logged in to Ally 's website and initiated a transfer from an external bank account to my IRA. I input the amount of money I wanted to deposit, I ticked the box to ensure it was a prior year contribution ( XXXX ), not the box for current year ( XXXX ), and it generated a PDF ( which should be logged in their systems ) with the date that I then signed. I then took a photo of the signed form, put it and a check for the amount from my external account in the prepaid envelope and then took a photo of me dropping it in the mailbox on the evening of XX/XX/XXXX. Ally requires all IRA contributions to be written and signed on paper, so I could not do this fully electronically. 

The amount was withdrawn from my external account and then showed up in my Ally IRA, but I received a call saying that because the postmark on the envelope was XX/XX/XXXX, they could not credit it for the prior year ( XXXX ) and had to credit it to the current year ( XXXX ). I disputed this but after speaking to a supervisor they said the auditors could not bend these compliance rules. 

After learning I could not credit this to XXXX, I asked if I could have the transaction voided ab initio and undone, as if I had never sent the check in the first place, as this would affect the limit for other contributions I could make in tax year XXXX. I noted that my signed request did not authorize a deposit for the current tax year, but only the prior tax year, and them crediting it to a year that I did not authorize could have significant tax implications for me, and presumably other clients. However, after checking with auditors, they said they could only remove the money by sending me a check and treating it as a distribution ( " excess contribution '' ) from the IRA, which would not only use up the contribution room I didn't want used up but also subject me to tax implications for this withdrawal. Apparently the auditors were sticklers for compliance with the postmark but not with my authorization of which tax year I specifically requested a deposit in. 

I have talked to two people now and this has been escalated further, and I have asked that all future correspondence be copied in writing and that past calls be saved.

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 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute is in regards to a collection on my report from XXXX that should have been deleted from my credit reports. The had a collection placed on my report for a XXXX bill at a location I never lived at nor had service. I put in a complaint with CFPB on XX/XX/XXXX for which a response was given on XX/XX/XXXX that stated " The file shows paid in full and has also been recalled to the client and deletion has been ordered after the file was recalled. '' XXXX also stated, " we did recall the file and deleted the credit reporting as requested by the client. '' My case number with the CFPB is XXXX. Please have this collection removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: NC
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 recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is 1 name, 2 addresses, and 2 previous employers that are inaccurate. On XX/XX/20, I mailed a letter to Experian asking to please make these changes. They did not respond and also did not make any changes.

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 2020-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX initiated a suit in DC Superior Court in 2019 for default on a line of credit for their client Bank of America. 
There has never been any documents provided before by Bank of America or XXXX on this account. It is a fraudulent charge with debt collections initiated without any notice on the amount defaulted by either the bank of XXXX. Prior to the suit in DC, there has been no statements, emails or calls on this amount. 
Furthermore Bank of America closed a personal account without any information and provided a wire transfer of {$800.00} within the same time frame. 

Both actions severely impacted credit and ability to get employment. The bank has never acknowledged any emails or calls on these two actions nor has there been any further communication out of Court with either XXXX or the executive office of the Bank who has been provided this information through the DC Attorney Generals office.

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 2020-01-05
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2015-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on Transunion I noticed a negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my Transunion credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax servel times regarding the Inquiries that I did n't authorize all I keep doing is telling me to contact the companies and when I contact the companies they can I find inquiry at the 1 year

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
The CFPB and XXXX States, including mine ( Utah ), brought an action against OCWEN and got OCWEN to agree ( XXXX XXXX ) to their {$2.00} XXXX penalty settlement, and their written promise to not perpetuate any court action against any home in which they had filed falsified ( robo-signed ) titles with the county recorders and the courts. OCWEN identified me and my home as one of the victims of their illegal action and paid me {$1100.00} in XXXX XXXX. In spite of that payment and their promises contained in their settlement, OCWEN hired their XXXX attorney in XX/XX/XXXX who perpetuated their fraud before both the local state district court and the federal court in Utah, and finally got me evicted from my home this past XXXX. This after me on my own legally battling them since XXXX XXXX against their illegal acts. They are now getting ready to perpetuate some more their crime against me and my home ( that sits deteriorating and vacant with their lock on it ) in the Utah XXXX XXXX XXXX - that is if they can find a lawyer stupid or crooked enough to take them on as a client ( they have gone thru XXXX lawyers so far ). What can the CFPB do to help me to enforce the settlement agreement that OCWEN is actively violating against me? The past XXXX Attorney Generals in Utah ( XXXX of which are currently awaiting trials for felony criminal charges themselves ) have denied in writing all my multiple requests to even investigate OCWEN, let alone prosecute them for their past, current and active felonies - felonies that stand as un-refutted in the record of my state court action. It appears OCWEN only got this far in their action against my house because of judges who do n't do their duty and ignore the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CARD Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a few disputes with card.com Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX and 3 atm withdrawals which I never received my services or money from the atm or received my food and card.com refuses to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I took out a mortgage loan with XXXX XXXX Mortgage XXXX for the amount of {$330000.00}. On XXXX/XXXX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX Mortgage XXXX to XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX. On XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX started a foreclosure action against me for the amount of {$340000.00}, which is {$4900.00} more from my original mortgage. How does that make sense, when I had paid about {$100000.00}. Also, even though XXXX Bank XXXX, XXXX XXXX XXXX XXXX for XXXX XXXX Mortgage Investor XXXX, XXXX XXXX named as the plaintiff in my case why am I not receiving my mortgage statements from them but rather from Citi Mortgage. I have tried fixing the problem, and the response I get from the bank is that the investor does n't participate in loan modifications. How am I going to save my home if they are not even giving me a chance. It seems like they do n't care if I pay them back or not, they just want me out of my home. I am victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.

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 2015-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates sued me for a debt that was not mine. They said it was from a credit card I had in XX/XX/XXXX and they were garnishing my wages inn XX/XX/XXXX thru a court order I knew nothing about because they sent the summons to an address I had n't lived at since XX/XX/XXXX. I tried to call them to let them know and they were extremely rude. I found an old credit report filed away that said I had that card and it was opened the same day as the one I was sued for but the account numbers did not match up. I called PFR and they said it was my debt and did not want to hear what I had to say and when I asked if they could give me proof they said the original debt collector ( XXXX ) had the info. When I called XXXX they asked me for the account number and my SS # and told me it did not match the account and I would have to call the 3rd party debt buyer. When I called PFR back with the findings they told me that they owned the debt and XXXX should not have told me any thing when I called XXXX back the next day they refused to talk to me any more that the account was locked and told me they could not help me which I thought was weird because the day prior they were able to at least tell me the account was not mine. I live in XXXX and was sued in XXXX courts because that is where I lived when the debt had originally occurred so I had to miss multiple days of work and try to figure it out and get help. I was able to get it vacated because I had prof that I did not live at the address the summons was sent to. They were ordered to pay me back all garnished wages. They did pay me back everything but {$5.00} which I was tired of fighting with them and do not have the time to fight for it. I do have all documents needed to prove my case. During all of this I did keep calling them to see if they would listen and some were OK to me and others were down right rude. I actually had a guy that said I do n't pay my bills and he pulled up my credit profile and was naming off medical bills that were past due, told me I was cunning, and he did n't have time to talk to me because he had to talk to people that were actually willing to pay their bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
PRA sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called Portfolio Recover Associates, LLC. They had no knowledge of any of my dollar amounts and told me to call, XXXX XXXX XXXX XXXX XXXX, XXXX Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: CITIBANK, N.A.
State: FL
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 rewards from credit card

Complaint:
Citi Costco Visa credit card closed my credit card in XX/XX/XXXX without notification. In XX/XX/XXXX I received a letter explaining that they closed my credit card because my membership with Costco has not been renewed. Also, the accumulated cash back that they need to pay me by XXXX, a litter more than {$940.00} have been forfeited. I called Citi and Costco and they verified that my membership with Costco is active until XX/XX/XXXX. Following Citi instructions, I applied to reopen the credit card to save my {$940.00} in accumulated cash back. I have been calling Citi and Costco to get an update about my credit card but Citi cant provide any information of my case by phone. I have been waiting for a promised call from Costco but no body call me. I have more than 700 in credit score, I paid my credit card in full every months. In 36 months with Citi Costco VISA, I only pay late in XX/XX/XXXX, the remaining 35 months I paid the credit card on time. My membership with Costco is active and I do not need to renew it until XXXX. It is unfair that they closed my credit card 2 months before they need to pay me {$940.00} in cash back reward. See attached copy of the letter from Citi Costco Visa and my active membership with Costco.

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 2017-06-13
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last month, we filed a complaint with your office because Capio Partners reported three medical bills on my XXXX credit report. Prior to reporting the accounts, they did not supply me with a notice of my right to dispute. Based upon that, they apologized and agreed to remove the accounts from my XXXX credit report. To their credit, they lived up to their word, and the accounts have been deleted from my XXXX  credit report. As of today, Capio Partners are now reporting these same accounts to my XXXX XXXX credit report. Once again, I have not received a notice of my right to dispute, and I am demanding that these accounts be deleted from my XXXX XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My Issue is with Equifax Information Services, since XX/XX/XXXX. I have not had access to an Equifax score of any kind. Every lender that has tried to pull my credit has not been able to access an Equifax score of any kind. I called Equifax on XX/XX/XXXX when i was denied for a loan, when a prospective lender said i had no credit history, so i reached out to Equifax and i was told to answer some questions to prove my identity and mail in my Drivers License and Social Security Card. I was told to that in two weeks everything would be fine. Well in early XXXX, i ordered my Equifax Credit Report, when it arrived it showed my 12 accounts ( open and closed accounts ), I was doing this to prepare for refinancing my home. 

In Mid XXXX, i applied to a lender, my XXXX and XXXX   Credit Scores showed, but no Equifax Score, so i reached out again to the XXXX XXXX and i went to the same process, answer some questions send in my Drivers License and Social Security Card and  give us 2 weeks. No Equifax Score. 

In Mid XXXX, i applied same experience, visible XXXX and XXXX Credit Scores, but no Equifax Score, so i reached out again to the XXXX XXXX and i was transferred to the Global Consumer Dept, I went to the same process, answer the identity questions, this time the said FAX in my Drivers License and Social Security Card and call back in 72 hours, No Equifax Score. 

On XX/XX/XXXX, i applied to a Mortgage lender and i had the same experience, my XXXX and XXXX Credit Scores showed, but no Equifax Score, I am attaching the Letter from the Lender.

I need Equifax to stop this process from happening. I have called enough, i have sent in enough documentation. XXXX and XXXX are not giving me this headache.

Company response to consumer: Closed with explanation