BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
At XX/XX/XXXX, I had a buyer for our RV and because Bank of America failed to keep track of the title, I lost the sale despite the willingness of the potential buyers to wait over three week. Bank of America continues to have me as a loan customer, the buyers are on their way to XXXX and I have no recourse for a set of errors that are still unresolved. Because I lost the sale, I continue to pay approximately {$500.00} per month for the loan payment, insurance, rental space at a sales lot and printing brochures. The later into the summer, the less likely to find a buyer especially at the price that was agreed to in XXXX. 

Bank of America said that they would make every effort to obtain a replacement title for the RV but when I checked with NC DMV they indicated to me on XXXX XXXX that there was no additional requests for a replacement title. The only request was in XXXX 2015 which was the first time Bank of America indicated to me that they could not locate the title. That first replacement title was mailed to Bank of America in XXXX, XXXX where it was later sent to their repository in XXXX. XXXX DMV said that this second request for a replacements, even if processed, takes four to six weeks to complete. 

Key errors were first the lack of awareness two years ago on the part of Bank of America that they had never received the XXXX title for the RV. NC DMV said that it was returned to DMV. Second, when this was discovered and Bank of America had the replacement title in XXXX, the sending of that title to XXXX resulted in the loss of the title. 

Because a title was still not in hand, I asked XXXX XXXX XXXX on XXXX XXXX, through a XXXX XXXX XXXX a Customer Advocate from Bank America, to please contact the buyers and see if they would still like to complete the deal. They had already waited over three weeks and I had nothing I could say to encourage them to stay and complete this deal. XXXX XXXX called them and was told that evening that they could not wait any longer and that they had purchased a different RV. This was the evening of XXXX XXXX. XXXX XXXX called me and notified me that the sellers had purchased a different RV. That was over three weeks from the day the buyers agreed to buy my RV. My sale was lost. 

As of XXXX XXXX, 2015, there is no word of Bank of America obtaining a replacement title for my RV. I have no subsequent offers to buy my RV. I am continuing to make monthly payments to Bank of America by direct payment, also continuing to pay insurance and monthly rent of a space for displaying the RV at a local used vehicle sales lot.

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: Grant Mercantile Agency
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit reports today on XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report nor did I revive documentation to verify the validity of the debt with signatures. This is a medical debt Im assuming hence Ambulance and this is a violation of HIPAA. I am willing to pay a settlement of {$100.00}, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted to call the debt collector to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had an overdrawn account with XXXX XXXX who left the account open and still overcharging me for hundreds of dollars for it. They called PNC Bank and told them not to give me a debit card which is catastrophic to me as I am going back to New York with {$5000.00} cash to live outside as I always did for 25 years facing XXXX at night as I was XXXX and XXXX at night in both XXXX XXXX as well as XXXX XXXX, my hometown as I was sleeping outside. I tried to sleep with my old father at the ATM in XXXX, just to survive when the wind chill was below zero and the police illegally XXXX me and my father in 1999 for XXXX XXXX. I still have a XXXX XXXX in XXXX County, but have to return there for survival. Now, since I have a criminal record I am being discriminated in both of the two banks PNC and XXXX XXXX who did this once before by keeping the account open make it impossible to get a debit card. It is dangerous for me to go to NY with {$5000.00} cash but I have no alternative to this and no bank will offer an immediate card for my traveling except XXXX XXXX in XXXX XXXX, NY but I am in XXXX hoping to go to XXXX so how will I do that as far as holding the money without a debit card where I pay for all my purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am attempting to close my checking account with M & T Bank. On XX/XX/2020 I spoke with a representative from the bank on the phone who told me they could not close my account. I needed to write a hand-written letter to a specific branch, but they could not tell me what branch that needed to be. 

The account charges me {$14.00} each month which I no longer wish to pay and I simply want it closed and the charges to stop. They claim that due to the outstanding balance of {$6.00} it can not be closed.

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 2017-09-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax experienced a security breach in XXXX XXXX but did not notify me until XXXX XXXX, XXXX. I do not know who has my information but by the Equifax website I can verify that my information was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
You are hereby put on NOTICE. 

Your credit reporting agency is reporting incorrect / inaccurate information my status of the charge off XXXX account has been filed with my 1099C and its now considered income. 

The status has changed of this XXXX account. It was charged off and I filed the 1099C and it's now earned income and income isn't reported on my consumer report. 

REMOVE IMMEDIATELY. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal purposes. Your credit reporting agency is inaccurately reporting has damaged my livelihood and my financial reputation. 

As defined, by the IRS. Even if you didnt receive a Form 1099-C, you must report cancelled debt as GROSS income on your tax return. 

The IRS clearly defines a charge off as GROSS or Ordinary Income, INCOME DOES NOT GET REPORT ON MY CONSUMER REPORT! Which in fact, makes your reporting of this account inaccurate. By definition, the IRS clearly says a Cancelled or Charge Off is income. The reporting of this account as a debt is inaccurate. I DEMAND you to Cease and Desist the reporting of inaccurate / incorrect information immediately. 

I've included and attached my 1099C on my income taxes which is now considered income. Income does NOT get placed on my consumer report. 

Charge Offs The IRS says if the amount of over {$600.00} 1099C cancellation of debt. 
I filed taxes as realized as Earned income with my 1099C. 
Income doesnt get reported on my consumer report. 
So if I got my 1099C how is it being reported as a debt. 
So if I file it as income the status of the account has changed. 
It's not debt anymore it's income I filed my taxes. If it's income it's an inaccurate account. 

According to as it pertains to FCRA is inaccurate you must take it off my consumer report. 
15 U.S. Code 1681e ( b ) - Compliance procedures | Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note : The status has changed what you reported is inaccurate. So how is your consumer reporting agencies maintaining maximum possible accuracy when in an incorrect item. 

DELETE this XXXX account immediately. 

I demand XXXX and Equifax to follow the law. XXXX recently removed it or I will have to enforce in monetary with state attorney. 


I've also included a factual dispute chart with discrepancies : High Credit : XXXX {$16000.00} vs. Equifax {$30000.00} Date Last Active : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX vs. Equifax XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Attempted to remove inaccurate collection account from Credit Reporting Agencies. Failed to remove after supposedly verify with collection company. This is in regards to a collection agency that is trying to collect on an account from XXXX XXXX that was closed and paid in full. 
Attachment 1- Final negative account balance Attachment 2 - Account noted closed in comments section.

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 2017-09-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. It 's very disappointing how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call. The only way I discovered this was through social media. Furthermore, I had to do their work for them and go to their poorly constructed response website to find out for myself. 

It has now has cost me several hours as well as money to freeze my credit, and more importantly, will continuously demand my time and money in order to pay for unfreezing reports as necessary in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Account opened on XX/XX/XXXX. I did NOT open this account. I am a former XXXX  and this was part of my pension plan. Account balance is {$3400.00} USD. I have tried repeatedly to close account and get XXXX I even sent {$12.00} money order for 2 day check. Citti bank says issue is id verification document. I sent XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX permit which I'd Photi I'd issued by state with photo, name, Birth date and Exp date. XXXX Ss 101.043 from 2016 states that this document is valid for ID purposes. Citi will not accept this and refuses to give me my XXXX I am a partially XXXX XXXX XXXX veteran. I should not have to drive 4.5 hours to a public branch for Citi to resolve this. I do not have a driver 's license. Which seems to be the whole problem. They also will not provide me with a complete acct number. The notice on the account only gives the last 4 of the account # XXXX. I have been trying to resolve this since XX/XX/XXXX and have talked to them weekly since then. They refuse to send my XXXX I am trying to get a DMV photo ID but am waiting on birth certificate to arrive from XXXX Please help.

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 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America has repeatedly refused to accept my on time payments without explanation. After explaining this matter to countless representatives, I was repeatedly assured that the mistake was exclusively that of Bank of America 's and that I was, in fact, do a refund. To date, that refund has not been posted. All of the returned payments included the full and correct account number. There is no excuse for BoA 's unlawful conduct.

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 2022-01-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Chase Freedom XXXX XXXX card and have been a member since XXXX. On XX/XX/XXXX I made a payment online paying the entire balance of my credit card. Online it states that I made the payment on XX/XX/XXXX. On XXXX XXXX I went to use the card for a very small purchase and it was declined. I called Chase to ask why, when I had just paid off the balance of my card. They stated that because I made a large payment to my card that they had to do a background check on me before they released the funds to the account. Online it already showed that the balance on the card was XXXX. I had already received notice from the credit bureau that the XXXX dollar balance had already been reported and that my credit score increased as a result. XXXX XXXX XXXX had already drafted the funds from my bank account and sent the money to Chase. Additionally, I have made a payment to XXXX XXXX in a higher amount than the payment I made to Chase, and XXXX XXXX applied the payment the next day and gave access to the credit line so it is unacceptable and predatory business practice for Chase to delay. Several agents told me that I just had to wait until Chase completed their background check and that the credit line on the card would be available on XX/XX/XXXX. On XX/XX/XXXX the available credit still shows as XXXX so I called again. At this point, I was told that Chase was still processing the payment and that I should " check back from time to time sometime in the afternoon ''. This is unacceptable and predatory business practice and undue delay in access to my XXXX credit line with no proper explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Fidelity National Financial, Inc
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XXXX : XXXX RE : Chicago Title Insurance Company In Regards To The Federal Trade Commission ( FTC ) Identity Theft, Fraud, and Money Laundering Complaint With Regards to ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And The Property Located At XXXX, Illinois XXXX Along With Its Connection to the XXXX case number XXXX and the Appeal XXXX Dear U.S. Consumer Financial Protection Bureau : Please review the attached XXXX PDF Document Link about the above said matter. 
XXXX My former spouse, XXXX XXXX XXXX " XXXX '' committed Identity Theft, Fraud, aggravated Identity Theft, Impersonation, Theft, Money Laundering, and various other criminal action upon me and my titled property located at XXXX XXXX XXXX ; XXXX XXXX, Illinois XXXX. 
I have interest in my property from investment payments I paid onto the said mortgage, till my former spouse filed for divorce ; whereby, my former spouse stole funds from my XXXX XXXX XXXX for my parent company XXXX XXXX XXXX. 
As you can see from the provided documentation, my former spouse XXXX XXXX XXXX " XXXX '' has committed Home Owners ' Insurance Fraud when he filed a claim on XXXX XXXX, 2013. 
The Chicago Title Insurance Company has been aware of the cases and the controversy surrounding the said property for their agency is located within XXXX XXXX County, Illinois at the following address : XXXX, Illinois XXXX Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Cooperation is defined by who we are. 
-- Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Chief Executive Operations Director XXXX, Illinois XXXX Tel : ( XXXX ) XXXX ______________________________________________________________ NOTICE : This E-mail ( including attachments ) is covered by the Electronic Communications Privacy Act, XXXX, is confidential and may be legally privileged. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. Please reply to the sender that you have received the message in error, then delete it. 
______________________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
good dayMy name is XXXX XXXX and attend XXXX XXXX where I have a business account to request a machine to collect cards, the contract you sign does not correspond to the contract requested and sent me the bank since that is not my signature. Plus I had understood that the seller was only one year contract and that is signed with my name but not my signature says 48 months. Also the first machine they sent me was not right so ask the right but never refunded me the first collection of the first incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   corrected my payment history on all accounts with them they took all delinquent payments off. Transunion took the delinquent payments off but keep putting them back on there I contacted them due to the issue and they wo n't fix it I will provide picture proof with this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/XXXX, my wife was alerted to a potential fraudulent charge at a grocery store on the other side of town for the amount of {$520.00}. My wife responded to the message that is was indeed a fraudulent charge and I immediately went online and 'froze ' our credit card while we figured out what was going on. While additional attempts were made after I froze the card, it turns out that before the potential fraud alert was triggered, two other charges, {$29.00} and {$310.00}, were processed at the same store. 
I called the credit card company first thing in the morning on XX/XX/XXXX and let them know that those charges were not made by us. 
On XX/XX/XXXX, the credit card company contacted me to let me know that i would be liable for charges because " the charges were made with an EMV chip and that can't be faked. '' I appealed the decision saying that it must have been on a stolen card that we were not aware of. 
On XX/XX/XXXX, the credit card company let me know that my appeal was denied. 
I filed a police report on XX/XX/XXXX in order to get photographic evidence from the store that the charges were not made by my household but don't have a lot of hope since it was past what most video retention services are ( 14 days or 30 days ). I am still waiting to hear back from the police deputy. 
Though there was already an investigation pending into the matter I officially notified the credit card company in writing per the Cardmember Agreement and stipulations of the Fair Credit Billing Act ( FCBA ). This letter was delivered via Certified Mail on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief