BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've been having problems with BBVA compass bank. I 've been having some rough finacial problems and I let the company 's know this. I 've asked if they could close my account and they said no because it was in the negative zone. I then asked if they could some how put my account on hold or freeze it and again they said no. Some months back i called BBVA compass bank if they could help me out. they said yes and that i would have some peace of mind. They told me they would help me out that for 6 months the credit card companys would not touch my account. they said i would have to go to the bank that day and they were going to fax me some documents saying they were going to stop any other and or farther transaction and that I would have to sign them and I would send them back. After I signed those papers I was told to call back to notify them that I signed and faxed them back. When i told them about it they were going to send me another set of papers and as soon as i would recieve them to sign them and then send them back as soon as possible which i did. Thinking they were going to help me I called on XXXX XXXX, 2015 to check if I owed the amount I was told 3 months back, I heard the recording and was shocked. It has accumlated over time after i was told would no longer be touched. I went today to discuss about this and the banker that was helping me didnt really help me he made a call and i had to discuss the matter with the women on the phone. I was told that they never recived the papers that i had to SIGN AND FAXED TO THEM WHICH I DID! She also said my account would continue to accumulate and could n't do anything about it. She then said i was responsible for the papers which again i did send and was putting the fault on me. I told her if she was blaming me for there mistake and she said no. In the end I was left with no one to help me. And then found this by a friend. I 'm hoping you can help me because there is no one else to turn to. I 'm willing to pay what I owe there as long as they can stop it and take no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I got an Email from AD ASTRA RECOVERY SERVICES saying that I owe them {$2400.00}. They said that they tried to get a hold of me on XX/XX/XXXX about this, but I never recieved a letter or a phone call. They wrote in the letter that to make this go away I need to either pay {$530.00} in full today or I need to do {$800.00} installment payments. They said I need to respond today or they will take legal action against me.that they will have a judge call my employer to doc my pay, ( I am a XXXX ) they will have the police show up at my home within 7-10 business days and serve me a summons if I don't pay today, they will sue me, and they will destroy my name and social. There was no number to call, I don't ever give a debt collector permission to use my email as a form of contacting me. They either call or send a letter. I don't know where the original debt came from. I did write a letter requesting all forms of proof of the debt through a letter. All my medical bills are paid, and all loans are caught up on. I have no idea what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Muskegon Car Credit, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I, m paying XXXX a month for 41 months on a 2007 XXXX sport vehicle think this is excessive The company I make payments is Orbit Leasing INC. XXXX, mi XXXX. VIN # XXXX Please look into this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company is reporting that the account is 60 days past due when it is not.

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 2015-09-25
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i had fraud on my acct. contacted BBVA over 30 times and never can get a answer. Just get transfer. No one has answer! I had money taken out of my acct and kicked out of bank for weapon. I have police report i contacted XXXX can never return calls. Its been since XX/XX/XXXX over 90 days. I return calls. Perosn called me and said they work for bbca and i told them the issue and they put me on hold called someone else and chatted for hour and they told me they call me back 4weeks ago for XX/XX/XXXX. I called on XX/XX/XXXX spoke with XXXXpeople XXXX cold transfer and now i been on the phone for 1 hr and still nothing. Money was stolen from the acct and charges made also. BBVA COmpass bank. Visa debit card.. XXXX in Fraud dept stated theres not really any notes to go off of. She get in contact with another dept tomorrow. It also takes hours to get a hold of someone. They stated they send me all this stuff still nothing. I call each time i get transfer around the call center. I called so many people and no phone calls return. I call during business hours. They state they have called and left vociemail nothing. i have phone calls recorded and video of inside the bank and also call logs. Its be posted on social media and etc by XXXX XXXX if this is not taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: First National Collection Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: MD
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below need to be deleted from my Credit Report : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello - Hope you are staying well in these trying times and thank you for receiving this complaint. 

I am writing in response to not receiving usable credit card bonus miles from Citi for the Citi/ AAdvantage Platinum Select World EliteMastercard, despite meeting the terms of the offer from Citi XXXX 

I have opened the Citi AA MasterCard mentioned above and initially received the bonus points from Citi, per the terms of the welcome offer ( see link below for an example ). On XX/XX/2020, Citi 's partner XXXX XXXX informed me that they were shutting down my XXXX XXXX ( XXXX XXXX frequent flyer account for " abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions. On this date, they unilaterally confiscated my points, to the tune of XXXX miles ( ~ {$29000.00} cash value ). 

I would like Citi to confirm and explain how : a. ) I abused the Citibank AAdvantage card bonus eligibility restrictions b. ) How Citi can re-issue the miles in accordance with the credit card application that we both entered into per the terms of each agreed upon application I have attached the letter from XXXX ( to which they did not reply ), and I look forward to resolving this amicably. I can be reached at : Cell : XXXX Email : XXXX Link : https : //creditcards.aa.com/

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 2021-08-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to sell my property. There was a lis pendens placed on the title in the name of XXXX XXXX XXXX. When i called XXXX they provided me with a copy of their lien release and stated that when rushmore bought the mortgage from them that they never notifiied XXXX  that the loan was paid since it was bought by rushmore.,. This is part of the email i got from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: FL
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I deposited money order ( s ) in 2019, sent to me by an employer, the employer turned out to be a Fraud, Bank of America cashed the money orders through ATM deposits as well as in person XXXX XXXX Bank of America on XXXX XXXX & XXXX in XXXX, California -BofA employed Teller then put a XXXX $ insufficient funds mark in my Account & closed it. I called them, wrote Emails to resolve & BofA ignored every call, every email, every time! I was a victim of fraud $ spent $ of my own, turned it into an FBI Fraud line & nothing has been addressed answered or acknowledged

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 2017-03-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian continues to report wrong information in the address section. They show that I have resided at XXXX XXXX, GA XXXX. I have disputed this multiple times to no avail. I just got the new case file number XXXX which still has this address on the file. This needs to be deleted at once. I also requested all contact information of who supplied this information which Experian has failed to comply with. This violates 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 non-monetary relief
Consumer complaint received 2021-06-03
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX my ex-H and I got a HELOC. We made interest-only payments some in the {$1000.00} amounts per month. My ex-H lost his job and I worked overtime to make payments until the overtime stopped. We went through a divorce and I tried to work with RBC ( now PNC XXXX to do a loan modification but they could not help me. The account eventually went to collections. We were unable to come to a resolution. When the Collections representative contacted me last he said the Statute of Limitations has run and could no longer collect. PNC Bank charged off the loan in XXXX so based on the Collections Rep 's statement about the XXXX and the Bank writing off the loan I thought the matter was finished. Now I'm closing on my house tomorrow and have been trying to work with someone at PNC to release the lien that was recorded against my property but to no avail. The Note and Mortgage are no longer in effect based on the Statute of Limitations but they won't release the lien until the account is paid in full. I believe the Bank lost it's right to collect as they never filed suit, etc. and the XXXX has run. If this issue had be dealt with before my ex-H would have been responsible for XXXX this loan but now I am being forced to pay the {$150000.00} from the sale of my house in order to close on XX/XX/XXXX. How can a Note and Mortgage not be valid and the bank still collect? I need assistance getting the {$150000.00} back from the bank that was unfairly collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: JNR Adjustment Company, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter from JNR in reference to my XXXX home security system. 

The amount of XXXX is completely unbelievably WRONG! 

I have already received my Bill statement for XX/XX/2020. The total amount due is about XXXX. 

please check into this fraudulent collection bill. 

I am still a client with XXXX and I have an open account. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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:
Greetings, I am requesting that all the credit bureaus be updated with the correct balance. I received a notification from XXXX XXXX  that the account went up to {$880.00} on XX/XX/XXXX. My online balance reflects {$5600.00}. I called XXXX 's and the auto-recording stated the same amount. I spoke with a live agent on XX/XX/XXXX and they gave the same balance. I've disputed this thru the credit bureaus ( last month ) and they updated it before with the correct amount. I've included pages from my XXXX  and XXXX  dated XX/XX/XXXX, reflecting the correct amount. The following are screenshots from the notification and increase balance. I want the correct amount to reflect on all three bureaus at your earliest convenience. Please confirm that you have received this email. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX ( in the email I sent I provided updated screenshots ) The company responded : We received a request concerning your account ending in XXXX. We report to the credit bureaus every month on the last day of the month. Your account assesses interest on the account as well. We last updated your account on XX/XX/XXXX with the credit bureaus. Per review of the attached information, this report was pulled on XX/XX/XXXX which would not include our most recent update. XXXX 's XXXX  XXXX  XXXX. 
I wrote back : Interest does not accrue that high within days, {$880.00} is not a correct number. Please look further into my case and reply with accurate numbers. I want this corrected immediately because today is XX/XX/XXXX and that is only days from XX/XX/XXXX. 
They are showing a higher balance than when is reporting under my account when I log into 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 2017-11-18
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:
I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about XXXX years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: SYNCHRONY FINANCIAL
State: AK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for loan for an engagement ring. The store uses Synchrony Bank. They indicated my score was XXXX. However, there is no mentioning of which Credit Bureau this info was gathered from. I monitor my credit closely and though not XXXX I am all but sure my bank, XXXX XXXX, and XXXX  can't be XXXX points off. While operating as XXXX XXXX XXXX, the company had engaged in deceptive and discriminatory credit card practices. I want the inquiry removed and any of my personal information removed from there data base.

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 2021-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I noticed that Equifax had published a Bankruptcy on my consumer file from courts in XXXX, TX and XXXX, TX. I did not give written consent to Equifax to publish this on my consumer report that's a violation of my consumer rights. When I challenged it, via certified on XX/XX/2021 they removed the bankruptcy and replaced with a federal bankruptcy and reported the date XX/XX/2021 that's a violation of my consumer rights. So they reaged my bankruptcy that's a violation of my consumer rights. They did not furnish any mailing address either, that's another violation of my consumer rights. Equifax has refused to respond in a timely matter, thats a violation of my consumer rights. I sent them an certified affidavit on XX/XX/2021 showing them my consumer right laws that they have broken. On XX/XX/2021, I sent another certified letter asking them to permanently delete this from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 for XXXX from Security Crdit Services from original creditor XXXX XXXX I called let them know it wasn't my debt and it's still reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a credit card on my report that I NEVER opened. I have disputed it several times, and Best Buy continues to update as it belonging to me. I will not pay for a cc that I did n't know existed, that I did not open and that I did not benefit from. what else can be done to take this off? I believe it is a result of identity theft or someone opening up this account without my knowledge. I do n't even have this card in my possession, to know that account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation